Jump to content


  • Tweets

  • Posts

    • Hi, I've been reading the invaluable advice on this forum and reading about the problems with Evri and lost delivery of items.  From what I gather the initial steps after having exhausted every's own lost item claim process is to draft a Letter of Claim, I think it is called and to register with the government Money Claims.  I have got a login for Money Claims and have made an initial stab at the letter but I'm not certain I have got it right. Am I right to assume that having exhausted Evri customer service's claims process and having received the denial of any compensation because the laptop I was sending is on the non-compensatory list that my next step would be to send the Letter of Claim to them? Let me provide some basic details which I hopefully have addressed in the letter. I purchased a laptop through Amazon.co.uk which a business in Belfast sold refurbished laptops through.  They had a 30 day money back guarantee for a full refund if you have any issues with the laptop.  I have the invoice from Amazon showing the purchase.  On 27 April, 2024 before the end of the 30 day period I used their ParcelShop (inside a Tesco) to send the laptop back and have the tracking reference mentioned in the letter.  As mentioned in the letter there was they advised they could not give me or sell me any insurance because laptops are on the non-compensatory list so I just paid the normal delivery cost.  It was scanned as leaving the ParcelShop on 29 April and the tracking has been like that ever since.  After a 28 working day Evri claim process they gave the expected response that they could not provide any compensation and simply could not proceed with my claim. I was hoping to get some advice on whether I go ahead now and email this to Customer Services straightaway and should I send a hard-copy to the Evri address as well?  Or are there any steps I have missed out on first?  I believe 14 days is the reasonable period of time for them to respond so if I were to send it tomorrow, for example 12 June then I should expect a reply by 26 June, is that correct and fair?  And assuming they don't reply with a full refund then I would then go down the government Money Claims site to proceed with that? Sorry for all the questions, I want to make sure I go about it properly.  I'll continue to read through other cases on here so I can get an even better handle on the process. I attached a LOC, happy for any edits or updates that will make it even better. Thanks so much for anyone's help! Regards, Matt Evri letter of claim.docx
    • The date was 3 June. Get on MCOL now. The legal principle is that, even if you defence is late, if the other party hasn't requested judgement, then your defence takes priority and is accepted. You might be in time. When I say now I mean now.  Recently we had someone who was nine days' late and this was pointed out to them at 5:30pm.  They faffed around till 11pm.  When they went on MCOl they saw that judgement had been entered at 7pm. Every minute is vital. File the below standard defence if you still can - 1.  The Defendant is the recorded keeper of [motor vehicle]. 2.  It is denied that the Defendant entered into a contract with the Claimant. 3.  As held by the Upper Tax Tribunal in Vehicle Control Services Limited v HMRC [2012] UKUT 129 (TCC), any contract requires offer and acceptance.  The Claimant was simply contracted by the landowner to provide car-park management services and is not capable of entering into a contract with the Defendant on its own account, as the car park is owned by and the terms of entry set by the landowner.  Accordingly, it is denied that the Claimant has authority to bring this claim.    4.  In any case it is denied that the Defendant broke the terms of a contract with the Claimant. 5.  The Claimant is attempting double recovery by adding an additional sum not included in the original offer.  6.  The Particulars of Claim is denied in its entirety.  It is denied that the Claimant is entitled to the relief claimed or any relief at all.
    • Hi friends,  I’m a bit worried I may have got confused with timings here. I thought I had 33 days from my acknowledgment to submit a defence but the date added above says 3/6/24.   have I missed the date?   if so how can I apply for an exception due to my disability and problems with deadlines and dates etc (ADHD)?   what should I submit as a defence?   I’ve had no reply from BW so far    just been back on MCOL and it says 28 days from service if I completed an acknowledgment of service so does that mean 28 days from that of acknowledgement (I.e. 16/5) which would make deadline for defence 14/6?   Thanks! Panicking here.
    • Normally we don't advise playing your cards early in a snotty letter, but as you have appealed we might as well use what you wrote in the appeal against them. There is no rush, you have until 6 July to get it to them.  See what the other regulars think too. How about something like this? -   Dear Rachael & Sean, cheers for your Letter of Claim.  I rolled around on the floor in laughter at the idea you'd actually thought I'd take such tripe seriously and would cough up! As usual you'll have been too bone idle to do any due diligence.  Had you done so you would have seen that I appealed to your client.  Indeed the driver on the day is a textbook example of having done exactly what you should do when you do not wish to be bound by the T&Cs in a private car park. Of course none of that mattered to the spivs you represent but do you really want to put such a useless case in front of a judge? To be fair, your clients are very useful members of the human race - as comedians.  How I loved the page turner of their antics at The Citrus Building in Bournemouth.  It was chuckle after chuckle reading about them, letter after letter, month after month, insisting they were legally in the right, even through someone who had done just the first day of a GCSE law course could have told them they weren't.  Until the denouement - BOOM - an absolute hammering in court.  In fact - SLAM, BANG - managing to lose twice against the same motorist for the same car park in front of two different judges. Your client can either drop their foolishness now or get yet another tolchocking* in court where I will go for an unreasonable costs order under CPR 27.14(2)(g) and spend the dosh on a nice summer holiday, while every day laughing at your clients' expense. I look forward to your deafening silence. COPIED TO COUNTRYWIDE PARKING MANAGEMENT LTD   *  This word is used under licence from Brassnecked
    • Well yes, ... and the tax dodgers ... Trump May Owe $100 Million From Double-Dip Tax Breaks, Audit Shows A previously unknown focus of an I.R.S. audit is a dubious accounting maneuver that effectively meant taking the same write-offs twice on a Chicago skyscraper. nytimes.com WWW.NYTIMES.COM  
  • Recommended Topics

  • Our picks

    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 161 replies
    • 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
        • Like
  • Recommended Topics

Me and Welcome Finance Loans and PPI REclaiming too


kregrs
style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 4352 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

  • Replies 189
  • Created
  • Last Reply

Top Posters In This Topic

Top Posters In This Topic

I also have another sheet with commision details on, it was scanned up to start with then removed as advised it might not be wise to display it on here!

 

With regards to using it against Welcome in court, would it be worth me taking them to court, or waiting for them to take me? As I've been waiting nearly 2yrs now for them to do so...

Link to post
Share on other sites

I think without knowing what regulations it is breaking you would have a hard defence (saying this from my own point of view because I dont know what regs it is) Id be inclined to let them take me.

 

maybe someone can help with what regs we should be looking into??

 

i guess the hard bit is proving that you knew nothing about them until SAR....

I am a consumer just like you, please get a second opinion or investigate yourself on anything I advise as I am in no way legally trained. Everything I know has come from the Mighty CAG and fellow CAGGERS. :cool:

 

If I have helped in any way please click my reputation star and make a donation to CAG to enable us all to continue to help each other :cool:

Link to post
Share on other sites

I was under the impression that to be able to prove I knew about it, they would require my sig on something detailing the commission payments, at least that was my take on Wilson v Hurstanger.... I'm probably wrong though.

Link to post
Share on other sites

I wouldnt outright let welcome know you have one it needs to be your shield so to speak ive not read wilson v hurst thoroughly as yet so kregrs you may very well be correct and would make sense to me even without reading it

I am a consumer just like you, please get a second opinion or investigate yourself on anything I advise as I am in no way legally trained. Everything I know has come from the Mighty CAG and fellow CAGGERS. :cool:

 

If I have helped in any way please click my reputation star and make a donation to CAG to enable us all to continue to help each other :cool:

Link to post
Share on other sites

On another note, I have just started a new thread under motoring entitled (http://www.consumeractiongroup.co.uk/forum/motoring/251166-vt-against-british-credit.html) VT with British Credit Trust. My girlfriend is 23months into 48 month agreement. Impeccable payment record. Has sent VT. Everything fine. BCT acting well. Couple of thoughts on it though if anyone around here can shed any light - do we apy them £110 to collect or drive 1 hour to leeds? (car has few minor scracthes - which I'm trying to iron out). Secondly when they sell the car at auction we would be liable to any shortfall in £ to their value. Any loopholes I should know/ scams/ how to play this?

 

Help apprecaited

Link to post
Share on other sites

I'm hoping I'll get my chance to use it against them soon, rightly or wrongly, I called into my local branch (which is still open) and asked whats happening with my account. Apparently it was passed on to Lewis on 5th March so waiting to hear from them, see what they're going to do...

Link to post
Share on other sites

Ok Im going for it in court not just on commission but it will be one of the things im pushing for if needed would anyone be willing to provide a copy of theirs with a covering letter as a way of proving its standard practise for welcome and not just a rare thing - theory being the more evidence I have the less the **** can wriggle out of it. I already have a few copies (Thank you, you know who you are) but just an appeal should I need any more :)

I am a consumer just like you, please get a second opinion or investigate yourself on anything I advise as I am in no way legally trained. Everything I know has come from the Mighty CAG and fellow CAGGERS. :cool:

 

If I have helped in any way please click my reputation star and make a donation to CAG to enable us all to continue to help each other :cool:

Link to post
Share on other sites

Thanks granty :)

I am a consumer just like you, please get a second opinion or investigate yourself on anything I advise as I am in no way legally trained. Everything I know has come from the Mighty CAG and fellow CAGGERS. :cool:

 

If I have helped in any way please click my reputation star and make a donation to CAG to enable us all to continue to help each other :cool:

Link to post
Share on other sites

Can anybody have a look at these and see if all is how it should be? Loan was taken out in 2005 and settled 6 months later.

 

 

Welcomesecuredloan1.jpg

 

Welcomesecuredloan2.jpg

 

And the statement...

 

Welcomestatementsecuredloan.jpg

 

Welcomestatementsecuredloan2.jpg

 

 

Its the account that I hope to claim back the PPI and anything else I can,

Link to post
Share on other sites

thanks kregrs will keep you all informed!

I am a consumer just like you, please get a second opinion or investigate yourself on anything I advise as I am in no way legally trained. Everything I know has come from the Mighty CAG and fellow CAGGERS. :cool:

 

If I have helped in any way please click my reputation star and make a donation to CAG to enable us all to continue to help each other :cool:

Link to post
Share on other sites

Beyond,

 

You need to take a well deserved break, sure you've been on here since first thing this morning!?

Ok I know I must have been too to have noticed!

 

Sterling effort!!

 

 

Haha unfortunately my 3 little darlings wont allow me constantly on here and I was out all morning so nope i havent been here all day I have popped on and off though lol for the record last log in was 20.53 :cool::lol: If you have been here all day YOU need to take a break ;)

I am a consumer just like you, please get a second opinion or investigate yourself on anything I advise as I am in no way legally trained. Everything I know has come from the Mighty CAG and fellow CAGGERS. :cool:

 

If I have helped in any way please click my reputation star and make a donation to CAG to enable us all to continue to help each other :cool:

Link to post
Share on other sites

Yeah had a look this morning but jumping in and off it during day to seek inspiration. In the meantime I'm running a wedding, just cleared away the buffet!!

 

Multi tasking to the max!! :cool:

I am a consumer just like you, please get a second opinion or investigate yourself on anything I advise as I am in no way legally trained. Everything I know has come from the Mighty CAG and fellow CAGGERS. :cool:

 

If I have helped in any way please click my reputation star and make a donation to CAG to enable us all to continue to help each other :cool:

Link to post
Share on other sites

kregrs, looking at this, the fee rebate seems wrongly listed as they have charged you more! Try claiming this back along the lines of misleading information - I would guess that the balance on your account was less than the settlement figure so they magiced up some fees to get your balance to equal the cheque when in reality they should have sent the money back. Dodgy practice that happened a fair bit then.

 

Insurance rebate does relate to PPI, you can still reclaim but because of the date check with FOS they might say that it is the FLA who governed Welcome at that time. Obviously your claim will be limited to the amount less the rebate.

 

Finally the £20 fees and the £20 the capitalisations seems incorrect, company policy then was to cancel a direct debit when 2 out of 3 did not pay, they haven't done this so try claiming these charges back too.

 

All in all a few reasons to try and get some cash back

Link to post
Share on other sites

I did notice that where an Ad Hoc fee was charged, and Capitlisation appears above it, that the total doesn't change, only for the Ad Hoc fee...

Also, I was charged a Mortgage Indemnity Fee, when it wasn't a mortgage but a secured loan, whats the chances of getting that back?

 

What I've worked out so far that I may be able to claim back is -

 

Insurance (979.79 - Insurance credited) = 342.29

Ad Hoc fees 60.00

Fee Rebates 384.04

MIF 275.00

 

Total 1061.33

 

Plus 8% interest for 5yrs?

 

Does that look about right?

Edited by kregrs
Link to post
Share on other sites

Ii would say on the fee rebates add the early settlement penalty so get £590.47

 

Also query how in seven days (5/7 and 12/7) they have charged two ots of what look like full months worth of onterest, at least ask for one back, say £87.20.

 

Plus the insuarnces £342.29

 

and Fees £60

 

Unsure of the MIF, add it in but as a bargaining tool (i.e. Start the negotiations high).

 

8% interest needs to be compounded so by my reckoning you have total of £1354.96 with 5 years compound interest added means £1990.88, round up more if you want for goodwill too!

 

If you want to be listened to, try to get some support from either the local media or the CAB

Link to post
Share on other sites

having read on other posts in this forum and other on here, regarding some people who have written to Welcome, or whichever company terminated after a defective default, and accepted the unlawful termination of their accounts, is this something that needs to be done, or is it 'optional'? And if it needs to be done, is there a time limit attached to it? I received a termination of my account in August 08, I didnt actually know about this until last year, July 09, when I received my sar back from them. So the query is, if I need to reply and accept, is it too late?

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...