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    • I'm trying to unravel this – but I get the impression that there was no contract between you and EVRi and that you didn't even choose them but instead you decided use some third party parcel broker in the USA which organised the delivery. Is this correct? EVRi came into the picture because they would then eventually selected for part of the journey although you had no knowledge that it might be them and I suppose it didn't really matter as long as the item got to you. Secondly, I really don't understand the journey which this item made. You bought the item from somebody in the USA. They then were meant to dispatch it to you to another address in the USA but for some reason or other it came to the UK and then into the hands of EVRi at which point it was lost or stolen. More confusion here because you now tell us that EVRi marked it as being out for delivery but it was never delivered. This suggests that it was going to be delivered to a UK address but earlier on you said that it was going to be delivered to USA address. I think you need to look at the story. Maybe show it to a friend of yours who is not particularly where the details and ask them if they can make head or tail of it and then come back to us with clarification so that we fully understand. Also, I think we'd like to know what the item is, how was it declared, what was the value which was declared. You said it was a valuable item because it was rare and collectable. I gather from this that it is non-fungible. We need to understand more about this. Was an insurance policy purchased to cover it during the delivery process. I understand that this rare and collectable item be valued at £200. Have evidence this value. This could become very important. Also you have given is no idea when this happened. We need to understand the full timescale. There are a number of possibilities here including the possibility of the contract action against EVRi on the basis of your third party rights or an action for negligence but we need to know far more and we need to get a story that makes sense.   Finally, I understand that you have sent the letter of claim. What did it say? How much time did you give them? What did you expect to happen as a result of the letter of claim? Whatever the answers to those questions might be, clearly you had no idea how to proceed after having sent such a letter. A letter of claim is meant to be a serious threat of some legal action if some condition which you have stipulated is not complied with. You set a deadline for compliance and at the end of that deadline you issue the court action. Clearly you are not in a position to do that so your letter of claim is a bluff and undermines your credibility and it will find its way into the EVRi wastepaper basket – if it's not there already.  
    • Good morning. I just wanted to check something please. The other side have moved slightly and negotiated a full and final offer price to end this matter. I am happy with this. However, I want to make sure this is the end of the matter and am emailing the following over to them prior to payment. Is this enough to ensure they can come back for nothing else? Thanks -------------------------------------------------- Dear Sir.   With regards your last email below.   I am pleased to agree to the full and final settlement figure given below.   Can you confirm this payment will be in full and final payment with no further claim to be brought against me in this matter?   Best regards
    • 100% sure I didn't receive it, that why my first post is with the £100 letter.
    • Engine, the technology business Starling Bank was built on, has been busy launching banks around the world, from Romania to Australia.View the full article
    • use this your WS and inc this as an exhibit off to bed now 3 nights been up till 4am aurora watching wont be on too early as it's lambing season out herding with the dog. your WS main thrust is the debt would now be SB'd , the DN was filed xxxyrs+months after it should have been thus unlawfully extending  SB date to infinity. highlight their admittance regarding errors at that time period in your 'redetermination'  paragraph. agreements unreadable. would have already been written off due to SLC age write off criteria has they not issued the claim to stop the SB clock when they had no paperwork to prove their case in the 1st place. never earned over threshold. dx       Erudio - stopped sending email deferments won at FOS DRN-4141462.pdf
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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.

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HSBC Credit Card


rudy691
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That's the usual template letter rudy ,.... full of threats , "we may" , "you could" etc etc ....... if you look on some of the other threads on hgere you'll find that these are coming out like confetti these days ....... and the stock answer is the same .......... if it's in dispute and they haven't got a valid , signed agreement , they can't pursue it ..... be guided by vint's advice on #146.

 

and you know of course ,that DG are only HSBC's In House (Ill)egal Team .........

Nemo me impune lacessit

 

 

Advice & opinions given by johnnymitch are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

 

If you think I've helped you please feel free to tickle my star :-D

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Hi Rudy,

 

Johnny is right, that is a stock letter that we all have.

 

You need to respond ( have the last letter in the file).

 

I appreciate the complexity of these letters and the responses required. It will be of most use to you, if you compile a response stating your position, then post on here for others to check. You are realy moving past the point of template responses and writing these letters will give you a better understanding.

 

Metropolitan come along next. Another HSBC company.

 

Vint

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Metropolitan come along next. Another HSBClink3.gif company.

 

I think we've been there already Vint ............. see #144 ........... Gawd these emoticons are a bit primitive ........... :D

Nemo me impune lacessit

 

 

Advice & opinions given by johnnymitch are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

 

If you think I've helped you please feel free to tickle my star :-D

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Top of the page vint ....... there's a thin black bar ...far right of it gives 'Advanced Search' which is what I think we used to use ......

 

btw don't worry about the memory .....hee hee ....mine does it every day LOL !

Nemo me impune lacessit

 

 

Advice & opinions given by johnnymitch are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

 

If you think I've helped you please feel free to tickle my star :-D

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  • 2 months later...

so I received a letter from central debt recovery about them taking over the debt. I know they're a Metro/HSBC.

send them the standard "im bemused" letter. had no reply.

 

but today they've send me letter confirming that they will call at my doorstep.

how likely is it that anyone will turn up ? im at work all day and my missus will be at home and she won't be able to explain anything.

 

any help is appreciated !

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Hi Rudy,

 

Johnny is right, that is a stock letter that we all have.

 

You need to respond ( have the last letter in the file).

 

I appreciate the complexity of these letters and the responses required. It will be of most use to you, if you compile a response stating your position, then post on here for others to check. You are realy moving past the point of template responses and writing these letters will give you a better understanding.

 

Metropolitan come along next. Another HSBC company.

 

Vint

 

 

 

so I received a letter from central debt recovery about them taking over the debt. I know they're a Metro/HSBC.

send them the standard "im bemused" letter. had no reply.

 

but today they've send me letter confirming that they will call at my doorstep.

how likely is it that anyone will turn up ? im at work all day and my missus will be at home and she won't be able to explain anything.

 

any help is appreciated

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so I received a letter from central debt recovery about them taking over the debt. I know they're a Metro/HSBC.

send them the standard "im bemused" letter. had no reply.

but today they've send me letter confirming that they will call at my doorstep.

how likely is it that anyone will turn up ? im at work all day and my missus will be at home and she won't be able to explain anything.

any help is appreciated

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so I received a letter from central debt recovery about them taking over the debt. I know they're a Metro/HSBC.

send them the standard "im bemused" letter. had no reply.

but today they've send me letter confirming that they will call at my doorstep.

how likely is it that anyone will turn up ? im at work all day and my missus will be at home and she won't be able to explain anything

 

any help is appreciated

 

 

(im sorry for couple of messages at the same time - my browser went crazy :/ )

Edited by rudy691
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  • 2 months later...

Hello all,

 

Firstly I would like to apologise for hijacking this thread slightly but I have been following this thread closely as I am in pretty much exactly the same position as Rudy, I have received a letter off DG solicitors that they are going to apply for a CCJ, or in my case a Decree I believe as I am now resident in Scotland.

 

The account is in dispute for the same reasons as Rudy, I have had the same photocopied T&C's minus the signed credit agreement and the same letters off Metros etc, all have had similar replies to what have been recommended here.

 

I do have a couple of questions though and would appreciate your thoughts;

 

I am currentlty training to be an officer on tankerships, naturally this takes me out of the country, typically for 2+ months at a time. Can I be served whilst out of the country in such a manner, I currently reside with my parents whilst training who may open my letters if I ask them, and if summons is issued instruct them that I am unable to attend. Would this be the best course of action.

 

I have naturally been somewhat slow in replying to some of their letters, would this stand against me a county court

 

Are they likely to take this matter to court in the absense of a signed credit agreement. I am fairly confident of my ability to put forward a good defense.

 

Would their breach of the contract in passing this on to DG and metro whilst in dispute, coupled with their apparent loss of my signed CCA render the agreement void/terminated in the eyes of a judge/sheriff, may such a request be made on the day or would a seperate counter claim have to be made myself?

 

Would their lack of any explanation as to how my CCA became missing (missplaced/destroyed), when it was last seen, from where it was lost, who was responsible for its loss, how was it stored, lack of investigation.... be seen as an ongoing dispute? Would putting this argument forward in court make them look incompetant, and put sheriff/judge on my side?

 

Now to the most important bit, I also have a current account with HSBC, this had an overdraft agreement of £1500. Two months ago my paychecks put the account into the black, it was my intention to close the account at this point, however I was at sea at the time so did not have the opportunity to do so. In the meantime HSBC have promptly removed £700 form the account using a DR code, and putting "AS ADVISED" on the statement (online). Obviously I will now withdraw the remaing money and close the account. I am aware this is legal in certain circumstances, but recieved no "ADVICE" off them prior to them doing so, and it has been done whilst the CC account is in dispute. IS THIS LEGAL !?!?!?

 

As i mentioned earlier any thoughts and opinions on the matter would be greatly appreciated.

 

Vstar

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  • 3 months later...

Hi guys.

 

looks like im back now...

 

it looks like HSBC have passed this on to another debt collection agency - this time is WESCOT CREDIT SERVICES.

I've not had anything from them before and they actually look like a proper debt collection agency, not one of them in-houses like Metropolitan or Moorcroft.

Im starting to worry about this, as I've not heard from them for a while and now they've dropped a bomb like this !

 

any help is always appreciated !

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Hi Rudy ,

 

I wouldn't worry about the multitude of dodgy DCAs that HSBC use ... they're only out to bully and intimidate you ...

 

Ask them to produce the paperwork which gives them the authority to collect the debt .. and a copy of the agreement that proves you owe it .. odds are they can't do either and you'll hear no more ...

If you keep copies of the correspondence and they don't cough up what you're asking for no court is going to support them .. they know it and they won't go there ...

 

As far as I know , Westcot are no better or worse than any of the rest of them ... I wouldn't let it worry you ....that's what they rely on ... fear ... !

 

Btw , looking at yor previous post .... they're not allowed to turn up on your doorstep without a court order ... which they won't get without you knowing about it in advance ... or by invitation , which you certainly won't be giving them i take it ...

 

There is a letter somewhere in the templates which tells a DCA that they can't do this ... someone may be able to point you in the direction of it ... I've lost my way a bit in the

new -style CAG forum
:roll:

Edited by johnnymitch

Nemo me impune lacessit

 

 

Advice & opinions given by johnnymitch are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

 

If you think I've helped you please feel free to tickle my star :-D

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  • 3 weeks later...

just to make something clear.

 

if a debt collection agency (even the bogus once like moorcroft or metro) buys my debt - they should have ALL the relevant documentation, right ? I should be writing to them not to the client.

 

asking this, as MIDAS approached me to contact MOORCROFT regarding my credit card - i did send them the 'bemused' letter as no copy. now they've comeback to me saying that I should contact METRO regarding this. if I understand this right - MOORCROFT should have all the info and if needed, should pass all correspondence to METRO, right ?

 

from what I see it's like this now - MIDAS > MOORCROFT > METRO > HSBC

 

that's a lot of hassle involved, depsite the fact that it's been 2 years now and no agreement copy yet...

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Rudy , it's up to the DCA who is asking for the money to produce the proof that you owe it ... otherwise why would you pay anyone who just happens along and says " you owe me £xxx " without producing paperwork to back it up .... they're trying to snow you .. don't let 'em ...

 

You could write back and tell them that ..and tell them it's not your job to prove you owe this ... it's theirs ... so it's their job to get the paperwork (if any) from the previous dodgy DCA lol !

 

I'll bet you don't hear any more , unless they pass it on to someone else ... and it begins again .. :roll:

Nemo me impune lacessit

 

 

Advice & opinions given by johnnymitch are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

 

If you think I've helped you please feel free to tickle my star :-D

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  • 1 year later...

been a while now ;) actually more than a year with no post from HSBC.

 

but it's back on now - this time it's "Marlin Europe I Limited"

 

just wondering if anything changed in the past year ? or should I just continue like I did before ('bemused' letter is ready) ?

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