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    • Is the letter headed Letter of Claim/before Claim or similar? If not, it sounds like more of the threatogram chain. If you're not sure, post up an anonymised copy of the letter and we'll check. HB
    • So guess what, we have received a final demand letter for £100. It states if payment is not made by 11/06 they will have no option but to forward the case to their litigation dept with a view to commence County Court Proceedings. So just wondering if anyone has any advice. Do we ignore this? or do we need to take action? Thanks 
    • hi dx, thanks for helping just re-reading everything this morning and I must have missed this one from uncle in his thread "What you should not do, is not contact the Banks and simply default on payments. "  are you in disagreement with this based on your last sentence?
    • Thanks for the reply and clarification, that might just explain why in my case contact has pretty much ceased. Though with such companies it doesn't mean they won't ever threaten to return to court as a tool to force one's hand if they feel they are not self informed on their chances etc.  But concerning how last year they tried to use the CCJ to get a charging order and the court granted an intirum order on our mortgage using the CCJ that would have been a good 2-3 months beyond the 6 years, should the court not have checked the age of the CCJ in the first case or would they always grant an interim order simply off the back of a CCJ being produced without even checking the age of it?.  Had I not defended that action at the time they may well have got a default using a CCJ older than 6 years which could be a concern going forwards. At the time when I contacted the court to question the paperwork for a final order application the clerk suggested people don't get informed when companies apply for interim charging orders, they are automatic if a claimant has a CCJ and people only get contacted once a date for a final order application goes through. kind of begs the question if such companies can continue a seemingly backdoor method to attempt default action if un-defended if the initial application doesn't need to check the age of a CCJ?.
    • Hello!  Wondering if someone can help with this.  I suspect not but worth a go.  I appreciate the "contract is with the seller" line, which is what Evri has fed me but wanted to see if someone with experience in these things could suggest anything else I could do here.  I appreciate there are many topics about lost parcels - My parcels weren't lost, until the driver walked up to my door with them and then decided to make them lost/stolen... I'll summarise what has happened.  Wednesday of last week - Evri delivery driver stole / walked off with 3 of my parcels.  -  Arrived outside my properly, took photos (3 separate photos as its 3 separate deliveries) of the tops of the parcels (pointlessly zoomed in on just the labels, couldn't see anything else, other than a small piece of the pavement and a little weed, which doubly confirms it was outside my door as I can see the same plant), marked the order as delivered and walked off with them.  He's marked on the Evri GPS marked that he was outside.   -  3 different deliveries, from the same company (same boxes etc.), but 3 separate tracking numbers. -  Went through the Evri bot which opened a case on each tracking number.  I then phoned them and left a voicemail explaining what had happened. -  24 hours later had a canned response asking me if the packages had turned up and to check around etc..  I responded explaining again what happened and that they've definitely been taken. -  4 days later,  this morning, I get a response telling me to ask the merchant to refund me. I've responded to this message with a long email, repeating what I said, that I believe the driver has stolen these packages and that he took those suspicious top down shots of the packages, marked them as delivered without ringing or knocking etc.  I've said that I expect them to investigate further, but I gather they won't. In my several messages to them initially and later, I told them I don't care about a refund and wanted the parcels.  They contain some sentimental stuff, nothing of high monetary value, hence me going to this trouble.  I only paid £25 for the contents. I did contact the merchant when this first happened and they asked me to wait a few days.  They ended up refunding me despite me asking them not to and that I wanted them to escalate it with Evri because this appears to be a case of theft.  They didn't seem bothered - Refunded me and told me to go back to Evri and escalate it with them? So - Is there any way to compel Evri to conduct a proper investigation with this driver?  Search for my parcels? I have quite a lot of deliveries handled by Evri (not out of choice) - They used to have a fantastic chap and I rarely had any issues.  He has been replaced by a new guy and I believe the route is handled by this same guy who I believe has taken my packages.  Naturally, I fear this is going to happen again in the future if no investigation occurs. Appreciate any assistance - Thanks for reading. Al.  
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Major Help needed with Cabot and CCJ**WON** Case dismissed


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:D

 

Just a reminder... make sure dad has pen and paper to jot down any directions given by judge... If the set aside goes to plan he will probably give a date to file and serve the defence... normally in about 28 days as that's what he'd have if he'd received the claim form originally... but it's well worth taking notes so you can keep to the deadlines if for any reason the orders given by the judge take a while to come through from the court.

 

Spam.:)

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They say money talks......mine just keeps saying "Goodbye"

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Ok just to let everyone know that the Judgment was set aside :D

The Judge allowed me to speak for my Dad and was great to talk to :)

He has ordered that he has 14 days to file a defence so 30/09/09 4pm.

Cabot sent a solicitor who seemed to be at the court doing a few cases in one day.

Once in the court we sat down and he want through the claim and asked if he owed the money which i said that he didn't owe the money to Cabot which he was happy with. he then asked them about the notice of assignment which she said they had a witness statement to say it was sent but she did not have it or could prove it was sent and received. She then shot her self by saying that the address they sent it to was misspelt at which point he ordered it to be set aside.

The Judge said that he couldn't give directions as the solicitor was an agent for Cabot and didnt have contact with them, he was making excuses for her as it was getting a bit embarrassing for her as she had nothing :p

the judge has copies of the defence I used and the CPR letter and has ordered the Charging order application to be removed :)

The Judge did say that looking at what was asked for and supplied that he has a good chance of winning when it goes to trial. :)

The Next step is to get a defence sorted in 14 days, as thats what he gave us :(

IT'S TIME FOR US LITTLE PEOPLE TO FIGHT BACK:)

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mexwav4ys.gifmexwav4ys.gifmexwav4ys.gif

 

Well done... a big pat on the back to you and your dad... :D

 

Don't worry about the defence tonight... just celebrate... we can get that sorted over the next couple of days... it won't be much different to what you submitted today, just a bit more involved and case law to back it up.

 

There's even a chance that Cabot will discontinue now that they've lost the judgement and it will be an uphill struggle for them now to get it back...

 

Well done again, you did good.

 

Spam. :)

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They say money talks......mine just keeps saying "Goodbye"

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Well done Gaz;)

 

 

Regards

 

Andy

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really well done. very pleased for u both.

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Ok got some stuff back From MBNA, again like Argos they seem to be missing a fair bit off the SAR request (current letter on the forum).

scan0001-2.jpg

scan0002.jpg

This is the copy of the original signed agreement from MBNA they are telling me.

IT'S TIME FOR US LITTLE PEOPLE TO FIGHT BACK:)

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They have also sent in the pack a letter but could only send the current terms and conditions.

scan0003.jpg

scan0004.jpg

scan0005.jpg

scan0006.jpg

scan0007.jpg

One thing that is interesting is that they have put his name and a/c number on the current agreement. :(

They also sent it Special delivery- there is a first time :)

IT'S TIME FOR US LITTLE PEOPLE TO FIGHT BACK:)

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Hi Gaz,

 

That 'agreement' doesn't look to be too good... what is that 'signature strip' attached too? It's obviously been cut off so it's not 'within the four courners' of any document that I can see..:cool:

 

I think It's safe to say in the defence that you haven't received a copy of an enforceable agreement and put them to strict proof that it exists..

 

We'll have to crack on with the defence this week... are you ok doing it or do you need help?

 

Spam.:)

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They say money talks......mine just keeps saying "Goodbye"

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Hi Spam,

 

Looking at the agreement, all they sent is the cut off, the signature is outside the strip. there conditions are on the back (second scan) which makes me think it might have just been a letter that has been cut off.

Thinking of the defence I think it is looking like everything we asked for on the CPR 18 letter, they haven't got as both MBNA and Argos cant produce:-

Notice of assignment, Default notices, agreements with T&C at the time of the agreement, notice of termination. no LBA.

I think one thing that sticks in my mind is that Cabot also spelt the street address wrong :rolleyes:, as soon as the judge knew that and they couldn't show a notice of assignment he set it asside. I think with this in mind there is no way they could show they have sent anything.

I think putting them to strict proof on all the missing documents is a good idea.

One question I do have is that if they turn up with the documents in court after they were requested can they use them??

 

Any help Spam would be great as I am not to sure regarding Case Law or how to put a defence together. :(

IT'S TIME FOR US LITTLE PEOPLE TO FIGHT BACK:)

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Hiya... If they were cheeky enough to show up at trial with any documents that you had asked for and they hadn't previously produced then they would be in deep do do with the judge and you would have to request an adjournment... but I think it's highly unlikely..:)

 

I'll give you a hand with the defence... it'll probably be very similar to the one I intended to use..

 

Spam.:)

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Hi Gaz,

 

Here's the defence.. it's been altered from the one FG did for me... make sure you go through it properly and put the correct dates in etc. You also need a counterclaim but I'm not too sure on those so I'll have a look round and see what I can come up with..

 

Spam.:)

 

BTW don't forget to head it up the same as the set aside one i.e case number, claimant defendant etc.

gaz Dad Defence.doc

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They say money talks......mine just keeps saying "Goodbye"

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thanks Spam,

 

That is great Work :D

I have just a few questions about the defence :o

What documents would need to go with this, do i need to supply copies of the case law in the defence.

 

Thanks spam,

IT'S TIME FOR US LITTLE PEOPLE TO FIGHT BACK:)

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You shouldn't need anything else at this stage.. you just need to file the defence at court and serve a copy on Cabot by 30.9.09 as per directions of the judge...

 

After that's done your dad should receive an Allocation Questionnaire from the court ... when you get that let us know and I'll try and enlist further help as I didn't get up to that bit.... (although it looks like I'm going to now 'cause my lot are playing silly beggars. :rolleyes:)

 

As I said, hold fire on sending it anywhere at the mo as we need to sort out the counterclaim.

 

Spam.:)

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They say money talks......mine just keeps saying "Goodbye"

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You have to send the defence to Cabot... when it comes to it, leave it as late as possible and then send it Guaranteed Special Delivery on the 29th so it arrives dead on the 30th and they have to sign for it.. ;)

 

Spam. :)

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They say money talks......mine just keeps saying "Goodbye"

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