Jump to content


  • Tweets

  • Posts

    • Thank you everyone!  thought to share some points from my experience in court today that may help others who are taking Evri to court: The judge sets out how the hearing will go and how each party should behave; while i was certainly feeling anxious/nervous ahead of the hearing (and I'm sure @jk2054 may have also observed this), the judge really does try to put any non-legal persons at ease; refrain from talking to the other party and instead speak to the judge if you have any questions/responses; the judge and the advocate spoke about tort of negligence - i wasn't sure how this applied to my case but the judge was questionning the advocate about this so i chose to stay out of this; the judge made reference to a historical case of Donaghue v Stevenson which established a duty of care; the judge observed that some of the points in Evri's witness statement by george wood needed cross examination but george was not present today for questionning; While i was claiming 8% interest, the judge pointed out that is the upper limit and that today, savings accounts give 4-5%. I therefore opted for 5% interest which was agreed to by the judge and the advocate; above all else, ensure you know your court bundle and have any notes to help you refer to specific sections - it helped me to structure my answers to the judge/defendant's queries, and point to specific evidence where i was asked to prove e.g., the value of the item. @honeybee13 - yes, will confirm when payment is received. I have emailed the Evri.claims email with my bank details and also provided them after the hearing to the advocate. @BankFodder message received and i am replying to it
    • Looks promising then.  Well done   Dx
    • So a little update.  I sent a complaint to ico and have heard nothing. I just got the general reply email and that's it.  Sat twiddling my thumbs and thought about what I should do next. I searched for the CEO of Studio but then found that he'd left so as keep getting letters from studio about the arrears etc. I thought I'd email the David Twigg. Sent him all the bumpft and a copy of my original complaint and sars request.  Got no response. So didn't know what else to do. Then I thought I'd try through the financial difficulties option on the online form. One last try before I just give up and let them default me.  Then on the 5th June. I got an email from their customer services. That the items that had gone AWOL have all been cancelled. Nothing else on that email, so I had a look in an email account that I don't use anymore and there was an email from the customer service.  That they were sorry for the problems I've had for the last 9 months. That the sars info was emailed to me on 14/04, it wasn't I've kept all spam and deleted emails on that account, they have raised a complaint with their studio pay team regarding the issues, balance dispute, fee's and my credit file. They are hoping to resolve in 3 days but they have upto 56. They also said in regards to my other issues I have to raise a complaint with studio retail but haven't told me how I do that.  The sars info only goes upto the end of December 2023. It has my previous complaints on there but nothing after so I don't know how I get hold of that information. Luckily I've kept copies of every time I've contacted them. Every web chat or social media contact.  Apologies for the extremely long post but I wanted to add everything I could just incase.  I have checked my account balance and it's still minus 900 odd pounds but I'll keep checking to see if it's all cleared and on my credit file.  I'm hoping this is the end of the whole debacle and they close my account because I never want to do this again. Although it's been a learning experience.  Thanks to dx100uk for pointing me in the right direction. Much appreciated.   
    • Fraudsters copy the details of firms we authorise to try and convince people that their firm is genuine. Find out why you shouldn’t deal with this clone firm.View the full article
    • If you want to cause DCBL trouble, then complain to the SRA.  It would be even more fun if mystic_bertie would complain at the same time, to show the SRA there is a pattern.
  • 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

style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 626 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 180
  • Created
  • Last Reply

Top Posters In This Topic

Which DCA is it?

What bank is it?

Roughly how much is it?

How long ago was the OD taken out?

How long since you defaulted on it?

Are there any charges on the OD?

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

Link to post
Share on other sites

Reply to my first reply is that it is a red threatening letter, nothing further at present.

 

To the second reply:

 

Which DCAlink3.gif is it?

Westcot

 

What bank is it?

Lloyds TSB

 

Roughly how much is it?

About £3k

 

How long ago was the OD taken out?

Started about 2005 - account closed about 2009.

 

How long since you defaulted on it?

Defaulted probably about 2 - 2.5 years ago.

 

Are there any charges on the OD?

Only up to when the account was closed about 2 - 2.5 years ago.

Link to post
Share on other sites

Reply to my first reply is that it is a red threatening letter, nothing further at present.

 

To the second reply:

 

Which DCAlink3.gif is it?

Westcot Ha ha ha, wetcloths!

 

What bank is it?

Lloyds TSB Start their complaints procedure.

 

Roughly how much is it?

About £3k

 

How long ago was the OD taken out?

Started about 2005 - account closed about 2009.

 

How long since you defaulted on it?

Defaulted probably about 2 - 2.5 years ago.

 

Are there any charges on the OD?

Only up to when the account was closed about 2 - 2.5 years ago.

Start reclaiming the charges back.

 

Don't be concerned by Wetcloths, they cannot do anything, except spout off untruths and empty threats.

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

Link to post
Share on other sites

  • 1 year later...

Hello,

 

I have an debt which I wrote to an old Debt Collector notifying them that the account is in dispute back in 2009. The account is till in dispute.

 

Wescot have now written to me regarding this debt, and I have informed them that the account is in dispute.

 

They have ignored this and are threatening to come and collect possessions from my property.

 

Any suggestions?

 

Thanks,

M

Link to post
Share on other sites

Hello,

 

I have an debt which I wrote to an old Debt Collector notifying them that the account is in dispute back in 2009. The account is till in dispute.

 

Wescot have now written to me regarding this debt, and I have informed them that the account is in dispute.

 

They have ignored this and are threatening to come and collect possessions from my property.

 

Any suggestions?

 

Thanks,

M

 

Hi, The statement regarding collecting goods is nonsense

unless they have made a county court claim and achieved

a judgement against you and you have failed to comply

with the judgement bailiffs cannot act.

 

Can you scan and post up th letter after removing personal

detiails please.

 

Does this debt show on your credit reference files?

When was the last payment or acknowledgent in writting

made? (the CCA?dispute does not count).

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

Link to post
Share on other sites

i doubt it says that

 

is it a thereat-o-gram

 

if,might,could,possibly,instructed

 

not will do anythng.

 

what does your cra file say about this debt?

 

 

scan the required letters/agreements/sheets - as a picture[jpg] file

don't forget you can use a mobile phone or a digital camera too!!

or

convert existing PC files to PDF [office has an installable print to PDF option]

.

'

BUT......

ENSURE: remove all pers info inc barcodes etc using paint program

but leave all figures and dates.

.

goto one of the many free online pdf converter websites

it would be better to upload a multipage pdf if

you have many images too rather than many single pdfs

.

or if you have PDF as an installed printer drive use that

or use word and save as pdf

.

open a new msg box here

hit go advanced below the msg box

hit manage attachments below that box

hit the add files button on the top right

hit select files, navigate to your file on your pc

hit upload files

.

.

dx

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites

Thanks for the advice so far guys :-)

I'll get the letters posted this evenings as edited PDFs.

 

Last payment was made back in early 2008 but there have been dispute letters between collectors only since.

Link to post
Share on other sites

what letters

 

you keep playing letter tennis

 

they'll keep thinking you are a mug waiting to be fleeced.

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites

Standard threatograms,

Send the following to The compliance manager

at Westcott.

 

Ref: xxxxxxxxxxxxxxxx

 

Dear Sir or Madam,

 

I refer to your threatening letters date xxx and xxxx the contents of which have

been noted, please take note I do not acknowledge any debt to Westcott or any

company you may claim to represent.

 

I have previously corresponded with other agencies which have all failed to prove that

I have any liability for the alleged debt which has been formally in dispute since xx xx xxxx

and this matter remains still in dispute.

 

Take note I am fully aware od the OFT Guidance 2003/2011 and I feel that your company

is in breach of these in a number of ways.

 

Until you can produce irrefutable proof that I have any liability for the alleged debt no further

correspondence can be entered into.

 

Send this recorded delivery and track receipt.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

Link to post
Share on other sites

Hmm.. "Doorstep Collection".. Why would they want your doorstep ?? sorry.. my little joke.

 

These letters are designed to be intimidating in order to obtain a knee jerk reaction in that you .. telephone them.. The telephone is the weapon of choice for Debt Collectors. They say on the phone what they wouldnt dream of putting in a letter.

 

They are also threatening you with Nelson Guest.. who is a solicitor for rent.. he sends out letters and issues claims. However, if the "debtor" defends, then Wescott take over the litigation.

 

Questions..

 

What is the dispute you have with the original creditor and for how much is their claim ?

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb 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.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

Link to post
Share on other sites

They have ignored this and are threatening to come and collect possessions from my property.

 

right so now you've actually read the letter properly

 

you'll see the above is not true.

 

 

is this debt showing on your CRA file?

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites

In the unlikely event that someone does turn up (rare but has been known).

 

Tell them to leave your property immediately or you will call the police and the police will remove them for you, they are not bailiffs, have no legal powers and are just self employed on a commission only basis.

 

They will leave saying CCJ this, Bailiffs that but only because they have wasted fuel for no commission :)

 

Stigman

NEVER telephone a DCA

If a DCA rings you, refuse to go through the security questions & hang up!

 

If I have helped you, click on the star & say thank you

Link to post
Share on other sites

Hi,

 

I'm being chased for a debt of about £8k which I can't pay due to pay off HMRC debts.

 

What are the chances of entering an agreement of pay £1 to £10 a month to keep the dogs from my door whilst I can get myself into a better position to deal with the debt?

 

Regards,

 

M

Edited by Conniff
Link to post
Share on other sites

Ok, I thought that's what it was meant to be, have changed it. :)

 

The bad news is that agreements are all one sided, the good news is that the one side is you.

 

You don't ask them what they will accept, you know what you can afford and you tell them what that figure is and that you will review it should your circumstances change.

 

Don't make payment with a direcet debit card but either by standing order or cheque.

 

Who is the creditor ?

Link to post
Share on other sites

HMRC take priority. DCA's can take a running jump unless they want to end up in front of HMRC.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

Link to post
Share on other sites

Hi,

 

I'm being chased for a debt of about £8k which I can't pay due to pay off HMRC debts.

 

What are the chances of entering an agreement of pay £1 to £10 a month to keep the dogs from my door whilst I can get myself into a better position to deal with the debt?

 

Regards,

 

M

 

Hi monkquito

 

Have a look below - may help - may be able to utilise with the offers etc

 

You can log in without an invite or adviser and away you go - all details are saved online

 

http://mymoney.nedcab.org.uk/moneyadvice/

 

http://mymoney.nedcab.org.uk/moneyadvice/dmptour.asp (example completed DMP)

 

This CAB system is working for a growing number of people but to be sure with any overall debt situation (and given that you have only provided limited information) it is always best to seek full independent advice on all options etc.

Link to post
Share on other sites

Thanks for all the replies.

 

The DCA is Wescot.

 

As one of you put, I'd rather pay them something even if it is a token about until my circumstances change.

 

Basically I want to get myself out of debt and asap, but want to do it my way.

 

Regards,

 

M

Link to post
Share on other sites

  • 3 weeks later...

Hi,

 

This morning I have received a letter from Wescot saying that 'that the client wishes to receive information with regard to my dispute'.

 

In my opinion,

 

1. The client should already know what the dispute is.

 

2. As the dispute has been raised with another DCA, what right do Wescot have to see the dispute? I believe they have none.

 

3. Any previous communications I have sent should be held by the 'client' and if such that the client has lost these correspondence from me would breach the Data Protection Act.

 

Has anyone got advice to offer me in this situation? Would Wescot be breaching OFT guidelines by gaining access to information on a dispute held with another DCA?

 

Many thanks in advance,

M

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...