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    • I've just taken another look through the stuff they sent me in response to the CPR request, the notice of assignment isn't the original , it's on a plain sheet of non letterhead paper, in fact it could have easily been typed up by Overdales, or anybody really.  On the other side of the paper are standard Lowell terms and conditions that are only half on the page. Should this be part of my defence?
    • I agree with my site team colleague above. We need to know all the facts including which company you are dealing with and an explanation of the problem. It really is too difficult to start giving speculative advice on some speculative problem that you have laid out as a generalised scenario
    • Moorcroft are sending a rep round to my house this week. What is the best way to handle this? Ignore and not answer the door or engage with them? I haven't acknowledged anything since I started on this journey and defaulted on my cards in December 2022
    • Very sorry but with the best will in the world, I don't think we can at all understand what the situation is here. Please can you try rewriting this on a word processor and maybe send a copy of what you have written to a friend and working out together so that the story is complete but as brief as possible. Maybe a list of dates as well. If you can do that and then repost your story we can have a look
    • Hi, I am a local authority tenant and was in a 3 bed house. At the end of last year, my last child moved out and so did my spouse as we are now going through a divorce which meant that I was in the house alone and decided that I needed to downsize not only for myself but to offer the property to a family that needed it. I registered on the local authority housing bidding site as i was asked to do and I was accepted and given a priority banding as I was downsizing and they were desperate for my house. I have been extremely lucky and after about 6 weeks was accepted for a new build from a housing association via the housing gateway. I viewed the property 2 weeks ago and had to sign the tenancy last week when they were doing bulk signups for the houses and that is the day I moved. In between viewing and sign up, I contacted my current local authority landlord and asked how I give notice as I had been accepted for a property I had bid on and was moving.  The lady told me how to do it online and then said that I needed to give a full weeks notice which wasnt a problem as I had enough time.  (I was also told a weeks notice was what i would need to give by another staff member about a month ago when I phoned up for another housing related question.  I dont have any of this in writing.) I have now moved, handed back the keys and I am now being told that I need to give 4 weeks notice which I cannot afford. I hav e spoken to the council again explaining that I was told a week and that to be honest, if I knew they were going to charge me 4 weeks I would not have been able to move and would have stayed in the other house.  I thought I was doing the right thing. They said that calls are recorded and they asked me when I called in and was told a week and they would listen to the telephone conversation and if it was correct what I was told, they would see what they could do to reduce the notice period. They have now emailed me back and said that they have listened to the conversation and the lady said 4 weeks notice and I am liable for 4 weeks rent.  Now I may well of misheard her when I thought she said a full weeks notice she may have said 4 weeks notice but I am sure she said a full weeks notice and i was told a week by another member of staff a few weeks ago. I have emailed her back and said that I may of misheard but I would like to listen to the phone recording myself.  As yet they havent responded. I think its unreasonable for them to make me give 4 weeks when I had to sign the new tenancy with little notice or loose the property.  And it was all done through their gateway, and they will have a tenant in there pretty much straight away getting rent from them. I am on a very low income, I am on my own, I have serious medical issues and I am really getting myself stressed out over this. Any advice would be so appreciated.  Can I insist they let me listed to the recording? RH  
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    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Hi all.Has anyone had any experience of a Debt collector named 'Eversheds'?

I am going through(in the next couple of months) a Bankruptcy file and these plonkers have tried a nasty phone call which didnt work.I basically told them to contact my Financial advisor whom are dealing with my case.

 

regards to all

 

Tom

Banks-B*stards all of em'!!!:mad:

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Eversheds usually deal with Abbey National accounts, they are a 'licenced legal practice' so some phone monkey phoned me, but are really a 'limited liability partnership' between a solicitor and somebody in Abbey...

 

If you are going through a bankruptcy proceeding they will do everything they can to ensure they have a bite of what is left, and a big one at that. If the debt they are dealing with is unsecured make sure it stays that way... they are not very pleasant people.

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Cheers guys.My Financial people say they are a bunch of 'nasty,pushy b*stards'.They be right.The call was funny though.He/Call centre Bunny was really agressive about the £25,000 I owed the banks,but when he got a bit carried away I simply said to him " am I being agressive to you?".He said "No".I replied with "well dont be like that with me"....but what about this Debt ,we want the money.There you go again I said.Look deal with my financial advisors because I dont expect to be spoken to in that tone and certainly not in the middle of Coronation Street!.....he put the phone down on me....how rude!!!!!

Banks-B*stards all of em'!!!:mad:

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Hi Sillygirl1.Yeah,the debts are Credit card debts.I used to be a county court certificated Bailiff (BOO,HISSSSS) but got sacked after a short period for trying to help people ,as opposed to what they wanted me to do.W*nkers!.So I think this firm are barking up the wrong tree.

Banks-B*stards all of em'!!!:mad:

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Suggest you click 'search forum' put in Eversheds and it should bring up a lot of info.

 

I know of least one other thread about them on here.

 

Years ago, when I working at a faceless utility company we used to get our share of grief from these people, and they were a pretty nasty bunch even then.

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Just looked them up on another thread.May ask my F/Advisor if its worth sending a CCA for each of the Debts.worth a try do you think?

Banks-B*stards all of em'!!!:mad:

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Standard practice.

 

Send them this letter, (recorded or special delivery), along with a £1 postal order. Print your name , don't sign the letters.

 

 

 

1 High Street,

Newtown,

Kent

R21 4RH

 

 

June 28, 2006

 

 

The Loan Company

Company House,

Church Street,

Newtown,

Kent,

R1 7HG

 

Dear Sir/Madam

 

Re:− Account/Reference Number 4563210025897412

 

This letter is a formal request pursuant to s.77/78 of the Consumer Credit Act 1974. I require you to provide me with a true copy of the credit agreement relating to the above account, together with any other documentation the Act requires you to provide.

 

I expect you to comply fully and properly with this request, within the statutory time limit. You are reminded that should you fail to comply with my request, the provisions of s.77 will apply.

 

If it is your view that you are not the creditor, s.175 of the CCA 1974 applies in the case of a simple assignment, and places a duty upon you to pass this request to the creditor. In the case of an absolute assignment, you are a creditor as defined by s.189. If you contend that you purchased the rights but not the duties of any agreement, you are reminded that s.189 of the Act is clear that an assignment is of both rights and duties.

 

Your attention is drawn to ss.5(2), 3(b),6 and 7 of the Consumer Protection from Unfair Trading Regulations 2008 (CPUTR).

 

I enclose a postal order in the sum of £1.00, which is the statutory fee. Note that these funds are not to be used for any other purpose.

 

If you are unable to comply fully and properly with this request, you should confirm this in writing at the earliest opportunity, and certainly within the statutory time limit for compliance, and return the fee.

 

We look forward to hearing from you.

 

Yours faithfully

Mr A N Other

 

 

Send the letters to the DCA, if there is one or straight to the Creditor if not.

 

See what they come up with.

 

David

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  • 3 weeks later...

thanks all.recieved letters from all creditors accepting £1 per month until Bankruptcy.Put a big F*****G smile on my face I can tell you.Cant recommend Integrity Financial Services(shrewsbury) enough.Though this forum is the danglies!!!Just to top it off....the local RBOS had its cash machine lifted out of the front of the building last night with a JCB.Ha,Haaaaaaaa!

Banks-B*stards all of em'!!!:mad:

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Your wicked :D;)

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