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    • Yeeeeees! Well done on your victory!  👏
    • Hearing held today in court. I attended in person and Evri had an advocate attend on their behalf to defend their position that my contract is with Packlink and not with them. I also provided a copy of Evri's terms and conditions which explains that a contract is entered into when a parcel is sent with Evri. The judge pointed this out to the Advocate and agreed there is a contract between me and Evri under the Ts and Cs. The judge explained that while Packlink are responsible for organising the delivery of the item, it is Evri who are responsible for handling the goods and delivering them, and therefor Evri has a responsibility to handle the goods with reasonable care and skill. So am pleased to say the judge found in my favour. Hearing lasted about 75mins. Evri has been ordered to make payment within 21 days. Also nice to meet @jk2054 in person.
    • Good morning,    I just wanted to update you on the situation.    I have visits piling up with my current employment and they need doing before I finish at the end of this month.  I am moving to Wiltshire in 3 weeks for a new job helping care homes with their Dementia patients. I tried to work it out and at a guess I will be doing about 20-25,000 miles a year. So need a vehicle that can cope with that mileage, my old car would have done it easy but 🤷‍♂️ I have taken out a loan and got a friend to find me a reliable car that can cope with the miles and hasn't been written off in the past.   I phoned Adrian flux to see if I could use the last months insurance on a new car I have bought, the girl I spoke to phoned Markerstudy and asked them but they said no, my new car doesn't have any modifications.    I had an email from someone who saw one of my appeals for information, they live near the site of the accident and know a nearby farmer who has a security camera at his entrance that catches the traffic and specifically registration plates as he has been robbed before. They said they would reach out for me and see if he still has the data. Unfortunately it wont catch the scene of the crash.   The Police phoned me and said they were closing the report I made, even if they found footage of the vehicle at the time I said the actual incident would be my word vs theirs.  My first response was I am sure google maps would show that they turned around at that location which would verify my version of events, but upon reflection I do understand, I have seen people doing make up with both hands while driving, eating from a bowl steering with their knees and veering all over the place. I am sure some of these people go off the road and claim that someone forced them off.    Markerstudy phoned me yesterday to say that my car is now at Copart, the £80 tank of Vpower diesel was emptied on entry to the site for safety reasons, which I get but it sucks.  It is awaiting being assessed and shouldn't be too long, which is a relief.  I am really glad things do not seem to be going the way of the other stories and they seem to moving quickly.   However I was informed that my car was a structural write off before I bought it - this destroyed me, I was almost sick.  and this is going to affect any offer of money - after hearing the first statement this didn't affect me.   They need to wait for the assessor to check it over but it is highly likely to be written off and the maximum they can offer is £2300.  I was desperate for a car as I was working for an agency at the time, no work no pay, and did not do a vehicle check because I didn't know about them.  The seller did not tell me that it had been structurally written off, he told me that it had the front wing damaged while parked and was repaired at an approved repairer.  Markerstudy records state that it was sold at auction, no record of repair at an approved repairer.  I bought it bank transfer with hand written receipt.    It gets worse.    It turns out my airbags should of gone off. For some reason they are not working. I think we can figure out why.  If I had hit that car head on and had no airbags.    Some good news.    I can arrange a time with Copart to go and take my stereo equipment and any personal items that are left in the car only. I cant live without music and need quality sound, my speakers and amps are Hertz and JLaudio, (no I am not a boy racer with booming subs, I am an audiophile on a budget) I was really worried I wouldn't get them back so this is a huge relief for me. It is stuff I have built up over years of saving and collecting. Everything to do with the vehicle and mods I have declared need to stay to be assessed.   The accident has gone as a fault on my record, I have to remove 2 years NCB which means I still have some to declare which is good.  So it appears at this point that it may be resolved quickly, not in the way I was hoping, but not as bad as I presumed it was going to be based upon that tow truck drivers attitude and behaviour and the horror stories I read.   I am not going to buy the car back and try to make money with all the parts on it, I don't have the time or energy.   I may need an xray on my back and neck.  The whole situation has left me feeling physically sick, drained and I need it done.   The lesson learnt from this  -  My conscience is 100% clear, my attitude to safety and strong sense of personal responsibility - A rated tyres even if on credit card, brake fluid flush every year, regular checks of pads and discs, bushes etc, made avoiding what I believed to be a certain broadside collision possible.   Get a dashcam (searching now for the best I can afford at the moment)  -  Research your insurance company before you buy  -  Pay for total car check before you go and see a car and take someone with you if you are not confident in your ability to assess a vehicle.      Thank you to everyone here who volunteers their time, energy and information, it is greatly appreciated.  You helped my sister with some advice a while ago but we weren't able to follow through, she is struggling with long term health conditions and I ended up in hospital for a while with myocarditis, when I got out and remembered it was too late.  I am going to make a donation now, it is not a lot, I wish I could give more, I will try to come back when things are on a more even keel.    Take care
    • It seems the solicitor has got your case listed for this “appeal” but not for the Stat Dec(SD). You need to ensure you can perform your SD on the day. If you are able to make your SD in court, the situation you are in now is more straightforward than if you made your SD via a solicitor. You have been convicted of two offences (and two were dropped) via proceedings of which you were not aware. The way to remedy that is to perform an SD. No appeal is necessary (nor is it available via the magistrates’ court). If you are able to make your SD this is how I see it panning out: You will make your SD to the court. The court must allow you to make it as it will have been made within 21 days of you discovering your convictions. You will then be asked to enter pleas to the four charges again. At this point you should plead not guilty to all four but make the court aware that you will plead guilty to the speeding charges on the condition that the FtP charges are dropped. The prosecutor will be asked whether or not this is agreed. In my opinion the overwhelming likelihood is that it will be. If it is you will be sentenced for the two speeding offences under the normal guidelines. In the unlikely event it is not accepted,  the speeding charges will be withdrawn (they have no evidence you were driving). You have no viable defence to the FtP charges and so should plead guilty. This will mean 12 points and a “totting up” ban (as you have already suffered). You can present an “Exceptional Hardship” argument to try to avoid this (explained below).   Because of this, I don’t see any need to make an argument to ask to have any ban suspended (pending an appeal to the Crown Court) unless and until you are banned again. The only reason I can think the solicitor suggested this is to secure a (Magistrates')  court date. I was surprised when you said you had an appointment so quickly; a date for an SD usually takes longer than that. However, if you can use it to your advantage, all well and good. I can’t comment on the argument that the two speeding offences were committed “on the same occasion” as I don’t have the details. That phrase is not defined anywhere and is a matter for the court to decide. It’s an interesting thought (and only that) that such an argument could equally be made for the two FtP offences. If the requests for driver’s details arrived at your old address at the same time, with the same deadline for reply, it could be argued that you failed to respond to hem both “on the same occasion” (i.e when the 28 days to respond expired) and so should only receive penalty points for one. Hopefully you won’t need to go there. I think you have information about avoiding a “totting up” ban. But here’s the magistrates’ latest guidance on "Exceptional Hardship" (EH) which they refer to: When considering whether there are grounds to reduce or avoid a totting up disqualification the court should have regard to the following: It is for the offender to prove to the civil standard of proof that such grounds exist. Other than very exceptionally, this will require evidence from the offender, and where such evidence is given, it must be sworn. Where it is asserted that hardship would be caused, the court must be satisfied that it is not merely inconvenience, or hardship, but exceptional hardship for which the court must have evidence; Almost every disqualification entails hardship for the person disqualified and their immediate family. This is part of the deterrent objective of the provisions combined with the preventative effect of the order not to drive. If a motorist continues to offend after becoming aware of the risk to their licence of further penalty points, the court can take this circumstance into account. Courts should be cautious before accepting assertions of exceptional hardship without evidence that alternatives (including alternative means of transport) for avoiding exceptional hardship are not viable; Loss of employment will be an inevitable consequence of a driving ban for many people. Evidence that loss of employment would follow from disqualification is not in itself sufficient to demonstrate exceptional hardship; whether or not it does will depend on the circumstances of the offender and the consequences of that loss of employment on the offender and/or others. I must say, I still do not understand what the solicitor means by “As a safeguard we have lodged the appeal and applied to suspend your ban pending appeal due to the time limit for being able to automatically appeal without getting leave of the Judge.” When they speak of “leave of the judge” I assume they mean they have lodged an appeal with the Crown Court. I don’t know what for or why they would do this. It seems to follow on from their explanation of the “totting up” ban. If so, I’m surprised that the Crown Court has accepted an appeal against something that has not yet happened. But as I said, i is no clear to me. Only you can decide whether to employ your solicitor to represent you in court. If it was me I would not because there is nothing he can say that you cannot say yourself. However, I am fairly knowledgeable of the process and confident I can deal with it. That said, I do have a feeling that the solicitor is somewhat “over egging the pudding” by introducing such things as appeals to the Crown Court which, in all honesty, you can deal with if they are required. I can only say that the process you will attempt to employ is by no means unusual and all court users will be familiar with it. I can also say that I have only ever heard of one instance where it was refused. In summary, it is my view that it is very unlikely that your offer to do the deal will be refused. If it is accepted, you may be able to persuade he court that the two speeding offences occurred "on the same occasion" and so should only receive one lot of points. Let me know the details (timings, places, etc) and I'll give you my opinion. Just in case your offer is refused, you should have your EH argument ready. Whether it's worth paying what will amount to many hundreds of pounds to pay someone to see this through is your call.  Let me know if I can help further.    
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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.

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Bit of help please!!


NeilF
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Hi,

 

I understand that this question has been asked quite a few times but my worry has not really been addressed and I'm hoping for a definate answer.

 

Ive had a littlewoods account since 2005. I'm a student and could not find work during the summer holidays. I tried to ring up littlewoods 3 times but each time got a nasty woman reluctant to hear me out and kept repeating to me that I had to make the minimum payment of £570 by such a date. My balance is only £1300 so i was shocked to find it so high.

 

After reading in these forums I sent off for a cca, got a reply yesterday saying they 'could not find it but heres a copy of our latest terms' and I have today responded with the account in dispute letter.

 

Ok my question is, now that im refusing to pay the debt, what laws are there stopping them from reporting the debt to credit agencies for 6 years(or however long they do it) I am going to be leaving uni next year and was maybe hoping to get a morgage or at least try to in the next few years. I dont want the blemish on my record. What are the chances that this will affect my credit score drastically?

 

I hope this make sense and someone can help.

Thanks

Neil.

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They will keep writing to the CRA's, unfortunately, regardless of what the law says. I have heard of caggers taking these people to court to try and stop this.... hopefully some of these guys will be along soon.

 

UF

I am rarely around these parts any more. I only stop by when something has come to my attention that has sufficiently annoyed me so as to persuade me to awake from my nap and put in my two pence.

 

I am a final year law student; I am NOT an expert in law. All of my posts are just my opinion. I cannot be held responsible for any outcome whatsoever resulting from any person following the opinions or information contained within my posts. Always seek professional legal advice from a qualified lawyer.

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It's a bit of a moot point this really, even though there's no agreement and it follows because of that they do not have your permission to process your data which includes registering defaults, the OFT & the ICO seem to think because the debt morally exists they should be allowed to register the default with the CRAs.

 

There are a couple of things you can do however. The first is to negotiate a full and final settlement of the a/c at a lower amount with the proviso that any defaults are removed from your credit file. The other is a s.10 notice see; Knocked back by a DCA on a Sec 10 notice? - The Consumer Forums

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Thanks for the replies. Thats pretty much what I suspected. I cant really afford a final payment, might just have to live with the default.

 

Any advice from anyone on how badly this will affect my chances of getting credit or a mortgage would be appreciated.

 

Thanks again guys.

Neil.

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You will have a better chance of getting a reduced settlement after the creditor sells the debt on to a DCA who will have paid around 10% of the face value of the debt. There is nothing to stop you negotiating a settlement in a couple of years time prior to applying for a mortgage, besides it'll take that time before mortgages become more freely available again.

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First point - don't ever call anyone, get it in writing. My life has been a lot more peaceful since I told all my creditors that I'll only deal with them in writing "so that there's a written record of all communications".

 

Doing a Subject Access Request might be the first step (just to see whether their paperwork is in order) but the "full and final settlement" is obviously an acknowledgement that you owe the debt. It might get sold on to a debt collection agency who will be more likely to accept a lower sum (bearing in mind that they probably bought the debt for 10%-25% of its real value) so if in doubt play the waiting game...

 

In the event of a settlement, don't forget that you can ask for a note to be added to your credit record if the information is inaccurate or disputed (there are three main organisations so you'll need to request copies of your record from all three and also write to all three to get the note added).

 

Not sure how the default would affect your mortgage - if you apply for a credit card in the future then the chances are that you might just have to pay a higher rate of interest. Best option for a mortgage might be to go through a reputable broker - reason for this is that they might be able to speak with the underwriters directly if there are any queries. Provided your income stacks up and you don't have any significant borrowings it might not be a problem. You can always get a mortgage if you're really, really after one but the conventional way is usually the simplest.

 

Good luck!

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Thank you all, i really appreciate all the help, you've put my mind at ease. For the mean time I think I'm just going to wait to see what littlewoods has to say if anything. If i can get a reduced settlement some time down the line when i have a little more available cash, that will be the best option.

 

Thank you again.

Neil

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Neil - most important thing is to not worry about any of it :) If at any point you do start to worry and/or panic just think:

 

What's the worst they can do to me?

 

Prison - NO. Take all my possessions - NO. Order me to pay a small amount of money over a reasonable period of time - POSSIBLY.

 

Important thing is to take control of the process and make them respond to you, not the other way round. From a legal perspective, I doubt there are any organisations out there that have a proper handle on their internal systems or full awareness of their legal obligations.

 

I know this because I have four (count 'em) different types of debt with a well-known bank and none of their departments talk to each other, nor do they share the same information with each other. As soon as this debt is passed over to a DCA they have to make sure that the whole chain of information is maintained. I've had instances where the wrong credit card number or even a completely different credit agreement has been sent to me by a DCA, so you can rely on either the lender or the DCA cocking something up somewhere down the line.

 

Now go and enjoy your weekend!

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  • 2 weeks later...

Hi guys got another problem, bit of advice please.

 

I have been receiving letters from littlewoods saying they cannot find my cca, the account is now in default and that no further action will be taken.

 

I was happy with this, but today I recieved a letter from them. (I haven't got a scanner so ill type out the gist.)

 

 

"

Default Noice

Served under section 87(1) of the consumer act 1974.

We refer to the above agreement which you have entered into with us. The payment clause of the agreement provides that you must make the required periodic payment in full by its due date. You are in breach of that clause because you have failed to make all of your periodic payments in full when due, and arrears amounting to £15.49 are outstanding.

 

To remedy this breach the payment must be made by the 14th Sept 2009

 

IF THE ACTION REQUIRED BY THE NOTICE IS TAKEN BEFORE THE DATE SHOWN NO FURTHER ENFORCEMENT WILL BE TAKEN IN RESPECT OF THIS BREACH.

 

IF YOU DO NOT TAKE ANY ACTION REQUIRED BY THIS NOTICE BEFORE THE DATE IS SHOWN THEN FURTHER ACTION IS SET OUT BELOW.

 

 

If you have any problems paying this you can apply to the court for surety more time"

 

 

Bassically they a bunch of money on to get it to £122.27

 

I then open another letter from the same day. Same letter just with £540.57 to pay and a penelty of £1130.45 if not paid.

 

I thought once the account was in dispute they cannot do anything to me unless its in the court. I dont want to go to court, I just wanted them off my back for a while untill I can make a final payment in a year or so.

 

What can i do!!!???

Please Help.

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Without a CCA they cannot take any enforcement through the courts. The default notice they have sent is a legal requirement before they can mark your credit file. Then they will terminate your a/c and sell it to a debt collector. Again, without the CCA they can do nothing.

 

They have already admitted that they don't have a CCA so there won't be any suprises in the future. You don't have to pay anyone anything now.

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Keep the letter from Littlewoods where they say they can't provide the CCA & when a DCA gets in touch send them this http://www.consumerforums.com/resources/templates-library/86-debt-collectors/574-letter-when-account-has-been-passed-on-whilst-agreement-request-is-in-dispute including a copy of the Littlewoods letter.

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  • 1 month later...

Hi again guys,

 

Everything has been fine so far with littlewoods, got through 1 month without them hasseling me. Today i got a letter saying i have missed a minimum payment and they have charged me £12 for the pleasure. I was told tht they cannot charge me anything when my account is in dispute!? Is this true?

 

What should I do?

 

Thanks again.

Neil

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