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    • My mind is a blur so i cant recall exactly what the judge said at the end, but he mentioned that he would be making an order for Evri to make payment to me. I wasn't sure if the court order will also be provided to me, either by post or email - if anyone can shed some light please?
    • Agree with everyone here it's bang to rights. Looks like you just slightly jinked left in order to go right. Ultimately, your time saving attempt is going to cost you as I don't think you have any grounds to appeal. I'd just pay the charge and chalk it up to experience.
    • 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.   
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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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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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MandM vs Egg Loan ***Won with Strike Out***


MandM
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Is this DN worth arguing???  

2 Caggers have voted

  1. 1. Is this DN worth arguing???

    • Yes, argue all the way!!!
      2
    • No, they've got you beat.
      0


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The restons letters above are horrifying to read. They can't possibly serve a default notice on an account that's already been terminated, can they?

 

At first sight I'd call that fraud. Am I missing something?

 

they can try!!

 

those letters are LUVERLY to read not horryfying

 

thank you Restons

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The restons letters above are horrifying to read. They can't possibly serve a default notice on an account that's already been terminated, can they?

 

At first sight I'd call that fraud. Am I missing something?

 

No, they cant. :lol: But you would be surprised how many times they have tried :rolleyes:

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Just a little update here. I was in court today and cited my DN's and lack of Termination Notice as reason to Set Aside my CCJ.

IT WORKED!!!!!! I now have 14 days to notify the claimant of my full defence.

 

Here is my link!:

http://www.consumeractiongroup.co.uk/forum/legal-issues/247688-default-notices-court-dates-2.html#post2830572

 

Something is working that is for sure!!!!!!

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Just a little update here. I was in court today and cited my DN's and lack of Termination Notice as reason to Set Aside my CCJ.

IT WORKED!!!!!! I now have 14 days to notify the claimant of my full defence.

 

Here is my link!:

http://www.consumeractiongroup.co.uk/forum/legal-issues/247688-default-notices-court-dates-2.html#post2830572

 

Something is working that is for sure!!!!!!

 

:D:D:D Well done!!!

 

M

 

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The restons letters above are horrifying to read. They can't possibly serve a default notice on an account that's already been terminated, can they?

 

At first sight I'd call that fraud. Am I missing something?

 

i think what you are missing is:-

 

a/ Both letters contain an admission that a faulty DN is fatal to a claim- which makes restons arguing the opposite very difficult

 

b/ The application to re issue a new DN and amend the POC was refused

 

c/ Restons eventually discontinued

 

what's not to like:D

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Hence DDs statement>>

without even having to produce it to the judge (but making sure that Restons lawyer can see it on the desk)

 

I think its potential, just by reference alone, would cause them great concern. :D:D:D Happy days.

 

M

 

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  • 2 weeks later...
Hey.....CONGRATULATIONS MandM! I wondered where you had vanished to and came across this link by accident while reading another link. FANTASTIC outcome for you......well done!

 

Thanks SB. Haven't vanished just yet ;), just buried in work atm.

 

M

 

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  • 2 weeks later...
I missed this thread completely MandM... been too wrapped up elsewhere.

 

Great work!

 

Thanks vj. Still waiting to see if they dare appeal. All quiet so far :)

 

M

 

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  • 1 month later...

Well, this is getting interesting again!

 

Have received a letter from the solicitors enclosing a NEW default notice :rolleyes:. They've had a few months to think about it now - no calls, no contact - and obviously decided that the appeal route is far too risky.

 

These are the same solicitors that confirmed almost a year ago that the account was now terminated and then proceeded straight to court.

 

Just looking for a nicely worded reply to give them.

 

M

 

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out of interest, what have they put down as arrears? arrears at termination or arrears as though repayments should have been made

 

Here's a letter from DD totally different circumstances, but there are some nice pointers http://www.consumeractiongroup.co.uk/forum/legal-issues/242517-storecard-claim-served-what-9.html#post2830927

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Need to have a good search of teh forums for a more complete letter. I think a killer letter in these circumstances is needed as more and more creditors are doing this.

 

Maybe some of the 'letter experts' can get onto this ........

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that was my hack of DD's post :D

If you find my advice helpful - please click on my scales

<<<<<< - they're over there!

Well, it's a funny black star now ...

The small print - any advice I give is freely given on the understanding that I am a layman and am not legally qualified in anyway.

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Well, this is getting interesting again!

 

Have received a letter from the solicitors enclosing a NEW default notice :rolleyes:. They've had a few months to think about it now - no calls, no contact - and obviously decided that the appeal route is far too risky.

 

These are the same solicitors that confirmed almost a year ago that the account was now terminated and then proceeded straight to court.

 

Just looking for a nicely worded reply to give them.

 

M

 

Once a DN once issued, and terminated, cannot be followed by a second DN, as the "agreement" has been terminated, so it follows you cannot default an account which does not exist!

 

So the only DN that could be valid is the FIRST one so by when proceedings have commenced the Claimant will have terminated the agreement. The language of a default notice is framed on the basis there is a current agreement. That language is prescribed. If the Claimant terminated the agreement, to deliver an effective default notice will involve the fiction the agreement is current and never terminated. It would also involve the Claimant reinstating unilaterally. The debtor would be unlikely to agree to reinstatement if to do so would cure the Claimant's difficulties.

One good thing appears to be that they are admitting the 1st Default Notice is defective. It therefore follows that by starting Court Action, their client Terminated the Agreement unlawfully, because they had failed to secure a valid Default Notice before doing so. Thus, they are admitting they started Court/Terminated when they were in no position to do so lawfully, having lost all the benefits of s87.

 

That is unlawful rescission of Contract/repudiatory breach of Contract...for which you can ask them for compensation :)

 

Fairbyblues thread may help you with this one....I had that info above stored from there so may help you on this

fairbyblue /MBNA-Restons Court 20th.March-they have issued 2 default notices./ **WON**

(you may want to read back a little on here but hope it helps)

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Need to have a good search of teh forums for a more complete letter. I think a killer letter in these circumstances is needed as more and more creditors are doing this.

 

Maybe some of the 'letter experts' can get onto this ........

 

 

that was my hack of DD's post :D

 

Yes, it was a DD post I used in my original defence to argue the point on the day (should I have needed it) as to why they could not just simply correct the situation by issuing a 'new' DN. It makes a nonsense of the whole act if we can just simply 'correct' the situation now by complying with the 'new' DN.

 

Pretty sure it's along the lines of >>>> For a valid DN to be issued then the 'agreement' between us must still endure. However, they claimed the full amount = terminated. They took me to court for the full amount = terminated. They wrote and confirmed termination = terminated.

 

M

 

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M

 

I think they either terminated, ended, finished, concluded or waved "bye bye" or "goodbye" (but definitely NOT "au revoir") to it. Monty Python's "Dead Parrot" sketch can probably give you a few more synonyms for the current state of the agreement if you need to clarify the situation back to them!

 

BD

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