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    • 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.

      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.

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      This is good ethical practice.

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

       

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Debt Help What to do for best (advice please)


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Hello All,

 

Can you help me please, I currently owe around £12-14K not sure of exact figure.

 

I pay Wescott £40 a month for a Nationwide Overdraft of £2000

I also pay them £60 a month for a Sainsburys CC of £2900

 

Get phone calls of Wescott wanting me to increase my payments and trying to do settlement figures all time.

 

I also owe Barclaycard £3300 which 1st credit have put am paying nothing to them at moment.

 

I pay MBNA £40 a month where I owe £4000 (they cause me no problems

 

I wondered if it would be worth me doing CCA's on them or just continue as I am paying them? Am thinking about doing it with 1st Credit as get about 3 calls a week of them

 

I also have a loan with blackhorse which I pay £158 a month on but have not defaulted on at all.

 

I am finding it a real struggle to pay this all out due to job change and wondered what peoples advice would be, best way to go about this want to be debt free as soon as possible (dont we all)

 

Many thanks

 

:)

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or carry on as you are doing and sed the cca's off and see what they come back with

 

ida x

Please contact a member of the site team if you are offered help off the forum for a a paid or no win no fee service.

 

Please consider making a small donation to help keep this site running

Click here to donate through PayPal (opens in a new window)

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Hi Lilmiss75,

 

Just read your post and wanted to try and help. I'm a debt advisor based in the north east. I dont work for a callcentre or anything like that and sure i can give you some direction.

 

Ok so here are your options:

 

1. Debt relief order - you need to have total debt of less than 15K and assets worth less than £300 without the black horse balance you are up to £12,200 so if its less than £3,000 and you dont own a car or house or anything then it might be an option for you. A debt relief order is like a mini bankruptcy but you dont have to go to court. Really easy to do the CAB are probably the best people to do this for you and it only costs about £30 i think to do it. or send all credit card creditors a cca, costs you £1 and they have 12+2 days to respond

2. Debt Management Plan - This is almost what you have done for yourself. As you will know there is no guarantee that your creditors leave you alone, most of them will keep hassling you for payments. In my experience the more you pay the more chance there is of them leaving you alone, however if you dont have you cant give it to them. Beware of some debt management companies who will take your first two or three months payments and keep them for them and then take most of yoru monthly contribution. - dont pay anybody either CCCA or payplan - or CCA everyone as above

 

3. IVA - you are paying £298 a month to your creditos without paying anything to barclays. You could probably pay less than this towards an IVA and you would be debt free in five years. In an IVA your creditors are not allowed to contact you so all the hassle will stop. They cant phone you or write to you, they cant send bailiffs or anything. You must make sure you make every payment though or they can make you bankrupt. It shouldnt cost you anything to set up an IVA although some companies out there will charge you a set up fee, if they do walk away immediatley. IVA's are best for people who cant look at bankruptcy because of their job or they have a house with equity, so if your a tenant then i would ususally recommend bankruptcy over IVA. You need a qualified Insolvency Practitioner to set up an IVA. dont

 

4. Bankruptcy - Scary word i know, but for some people its the best thing. You could potentially be liable for payments for up to 3 years but the Official Reciever will only take a portion of your surplus as opposed all of it. Your creditors are no longer allowed to contact you, so all of that hassle stops and strictly speaking in answer to your question of whats the quickest way to get rid of your debt this would be it! - and you loose any assets

 

I hope this makes it a bit clearer, final bit of advice , stay away from dodgy internet call centre companies. Try and speak to someone face to face, you will probably have to wait a while to see the citizens advice. try www.serenity-solutions.co.uk. - have you registered with the forum site admin to be able to advertise your website

 

Take care and let me know how you get on.

 

debbie

 

of Do it yourself, now that is Serenity

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Hello All,

 

Can you help me please, I currently owe around £12-14K not sure of exact figure.

 

I pay Wescott £40 a month for a Nationwide Overdraft of £2000 - does this have any charges you can claim back?

I also pay them £60 a month for a Sainsburys CC of £2900 - have you requested the agreement by way of a cca request

 

Get phone calls of Wescott wanting me to increase my payments and trying to do settlement figures all time. ignore them get everything in writing from now on

 

I also owe Barclaycard £3300 which 1st credit have put am paying nothing to them at moment. cca them

 

I pay MBNA £40 a month where I owe £4000 (they cause me no problems - if you are happy with this then leave other wise cca them

I wondered if it would be worth me doing CCA's on them or just continue as I am paying them? Am thinking about doing it with 1st Credit as get about 3 calls a week of them - send the phone harrassment letter to these cretins, and in the meantime just say in writing and put the phone down

 

I also have a loan with blackhorse which I pay £158 a month on but have not defaulted on at all. - cca, any PPI on the loan

 

I am finding it a real struggle to pay this all out due to job change and wondered what peoples advice would be, best way to go about this want to be debt free as soon as possible (dont we all)

 

Many thanks

 

:)

 

there ya go who needs a fancy website:D with a fancy name

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Harassment by telephone

 

Account Number: XXXXXXX

I am writing in relation to the quantity and frequency of telephone calls that I have received from your company, which I deem to be personally harassing.

I have verbally requested that these stop, but I am still receiving calls. (Delete if necessary)

I now require all further correspondence from your company to be made in writing only.

I am of the view that your continued harassment of me by telephone puts you in breach of Section 40 of the Administration of Justice Act 1970, and the Protection from Harassment Act 1997.

If you continue to harass me by telephone, you will also be in breach of the Communications Act (2003) s.127 and I will report you to OFCOM, Trading Standards and The Office of Fair Trading, meaning that you will be liable to a substantial fine.

Be advised that any further telephone calls from your company will be recorded. (**Even if you don‘t yet have recording equipment!!**)

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in excatly what area is your expertise? all assets are not necessarily seized in bankruptcy. The insolvency act makes provision for necessay items that the bankrupt needs to undertake his/ her trade or vocation as well as items of furniture and other fixtures and fittings in the home. If the property is in negative equity this does not form an asset for the purposes of the bankruptcy. Under the Insolvency rules 1986 the official reciever or trustee in bankruptcy may 'sell' the negative equity to a friend or partner of the bankrupt. etc. etc. so you may be able to keep your assets in a bankruptcy!

 

Also IVA is a real alternative tio bankruptcy and if they are paying more thean would possibly be required in an IVA then why would your advice be dont?

 

The advice you have given is all very well but it is a drawn out process and during this process can add to peoples stress and worries.

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BUT IT IS FREE unlike your website, and have you contacted the MODs to advertise on here

 

and the advice I give is based on real life experiences ie been there done that got the the T Shirt

 

O and IT's FREE

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in excatly what area is your expertise? all assets are not necessarily seized in bankruptcy. The insolvency act makes provision for necessay items that the bankrupt needs to undertake his/ her trade or vocation as well as items of furniture and other fixtures and fittings in the home. That is correct but what you have failed to mention is that there is a better than average chance of loosing your home If the property is in negative equity this does not form an asset for the purposes of the bankruptcy. Under the Insolvency rules 1986 the official reciever or trustee in bankruptcy may 'sell' the negative equity to a friend or partner of the bankrupt. etc. etc. so you may be able to keep your assets in a bankruptcy! - :eek:

 

Also IVA is a real alternative tio bankruptcy and if they are paying more thean would possibly be required in an IVA then why would your advice be dont? -except after 5 years the debt is still there, forgot this bit did we

 

The advice you have given is all very well but it is a drawn out process and during this process can add to peoples stress and worries.

 

so can being made bankrupt which is what you are advocating

 

at least our way you have a fighting chance of either paying off at a reduced sum or actually finding out that half the "agreements" are invalid all for £1

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As is my advice - being an ex bankrupt myself then i would know. I am not advertising my website, you may read other posts where i have recommended CAB etc etc, I just know this company gives completely free advice, your problem with that would be??

 

 

from that website

 

Following a full financial review we will then advise you which, if any, of our services would best suit your requirements.

At this stage we will always tell you of the pro's and con's of any solutions we may be able to offer you, as well as full disclosure of all costs.

Edited by PGH7447
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Licence Number:0628792

Licence Status:Current

 

Current Applicant / Licensee:

 

Business NameCompany Registration NumberSerenity Solutions

 

Categories:

 

Credit brokerage Debt collecting Provision of debt-adjusting on a commercial basis Provision of debt-counselling on a commercial basis

 

Right To Canvass Off Trade Premises:No

 

 

Issued Date: 25-Jun-2009

Date Maintenance Payment Due: 24-Jun-2014

 

 

Legal Formation:

 

Partnership

 

Current Individuals that run the organisation:

 

NamePositionALAN SHEEKEY

 

Historic Individuals that run the organisation:

 

NamePositionDEBRA MARIE CATTERICK

 

Nature of Business:

 

Other

 

Current Address(es):

 

Address TypeAddressCorrespondence23, THE GREEN, BILLINGHAM, CLEVELAND, TS23 1ESPrincipal Place Of Business23, THE GREEN, BILLINGHAM, CLEVELAND, TS23 1ES

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A normal IVA term lasts for 5 years with the debtor being asked to remortgage in month 54, up to a maximum of 85% LTV and with the increase in mortgage payments not representing an increse of more than 50% of the IVA payment. However if the debtor cannot remortgage then creditors usually ask for another 12 payments taking the total term to 6 years. With the exception of those putting Northern Rock together mortgages into an IVA, where it is normally a minimum of 6 years up to a amaximum of 7 years (again if the debtor cannot remortgage).

 

In either case, the final payment be it 6 years later of the remortgage then this is considered full and final settlement and the creditors are unable to come back to the client any more.

 

Is this what you thought i had neglected to say? I am not sur what your problem is? I am trying to help by giving advice that i know to be true because i am a debt advice worker and have been for four years now. I work closley with an insolvency barrister and generally know my stuff!

I dont do this to make money from misery just been in this situation myself and know how distressing and lonely it can feel when creditors are hassling you and you have nothing to give them and no way out.

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no problem with offering advice but when you first started and put a link to a debt managment agency that CHARGES then I have a problem, most people come on here cause they dont know which way to turn and offering a "free" service that actually has hidden costs is in my opinion as bad as the DCA's we are trying to help people beat.

 

and I may not be a clued up as you claim to be but I know enough to point people in the right direction, to HELP themselves

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