Jump to content


  • Tweets

  • Posts

    • 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.   
  • 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

Rockwell DCA - Final Letter Before Action - HELP PLS!


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 5344 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

Hello,

 

Ive just rec'd the above for an amount of £7382.00.

 

It is a demand for payment and they state 'further to our previous correspondence' but Ive never received anything from them before. It is obvious to me that they're lying by stating they've sent me letters prior to the above because the haven't!

 

It talks about a notice of 'INTENDED LITIGATION' prior to court proceedings.

 

I know it's my debt but what can i do to ensure my rights are protected and I am treated fairly and honestly in this regard.

 

DO I first request the original loan agreement or is that a pointless exercise?

 

Do DCA's allow repayment plans etc or could this go to court?

 

What can i expect going forward and how do I respond to this demand?

 

I appreciate any advice whatsoever

 

Thanks in advance

 

SD

Link to post
Share on other sites

A CCA request is a copy of your original Consumer Credit Agreement (CCA)

So send them the following, and PRINT YOUR NAME never sign any correspondence sent to a DCA, also send everything recorded delivery, this is so you know and have evidence of everything you send them and when they receive it the other end.

 

CCA request letter.

 

Send a £1 Postal order in with the letter also, they have 14 days from receipt of your request in which to reply with the document, if they fail to do so, or fail to provide a legally enforceable CCA then you can place the account in dispute, and withhold all/any future payments until such time as the provide one.

 

Boo;)

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

b-boo and mr.ton

 

many thanks for your responses

 

just another quick question

 

who do i address the postal order to then or does it not have too be to anyone ie blank?

 

what happens if they do have the CCA then?!!

 

anyway thank you very much indeed for your time and advice

 

SD

Link to post
Share on other sites

You can either leave it blank or address it to Rockwell, they will normally send it back to you as they will probably tell you to get the CCA off the OC (original Creditor) this automatically put's the account into dispute if they do this, well once the 14 days have passed.

 

However if they do reply with what they say is your CCA, then you need to scan and post it up on here so others can have a look at it to see if it is indeed a valid enforceable CCA, there are certain criteria it has to meet in order to be legally valid.

 

Whilst I remember what is the debt for (allegedly) and how old is it??

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

They very rarely do resort to going to court as it will cost them money to do so & it wouldnt be worth their while just to get back £1 per month or something like that.

You would have so many basic legal rights/rules/protections etc..it just wouldnt be worthwhile.

Thats why they resort to threats & intimidation to get you to buckle and pay up.

Link to post
Share on other sites

SD do not apologise for being in debt, do you thing gordon brown is apologetic for putting the country billions of pounds into debt!!!:confused:

 

But that is a whole other story,

Just wanted to make sure it wasn't post 2007 as the rules changed slightly for CCA's, and that it was'nt a mobile phone account or mortgage etc.

 

As MrTon says, even if they do have a valid CCA you can only pay them what 'you can comfortably afford'

 

The chances of any court action are a long way away yet.

There are various hoops they must jump through first.

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

F£*K ROCKWELL ....once your a bit more savvy and hardened to people like these you will be fine ...listen and follow the advice given on here and you wont go wrong ... i was in the same boat but after looking on here and other sites, i soon realised it wasnt as bad as i thought ...now armed with the correct tools to deal with these companys everything is ok ...keep your chin up and the best of luck to you :)

Link to post
Share on other sites

hi

 

when you say 'tools' what exactly do u mean pls?

 

i have sent rockwell a CCA request by recorded delivery and the requisite £1 postal order so we shall see what occurs

 

from your experience what exactly can i expect going forward and in what time frame pls?

 

much obliged for your time

 

SD

Link to post
Share on other sites

expect from rockwell, not a lot they either disappear into the mists of time, then some other lowlife springs up from the eternal well of debt collectors to try their hand at conning you out of some money, or they crank up the old threat-o-matic computer and spew forth multitudes of meaningless drivel - at whcih stage you send the account in dispute letter and rockwell disappear in a cloud of sulphor

Link to post
Share on other sites

the CCA request was delivered to Rockwell and ive now got a letter from Fenton Cooper (Tessera Credit ltd) saying they seeking info from their client ie my creditor

 

Who are Fenton Cooper? Sounds like a firm of soicitors (i know they're not cos they're not Law Society registered) so i assume they're an offshoot of rockwell with a name designed to SOUND like a firm of solicitors

Link to post
Share on other sites

ive just had a quick look at what you had said about your debt ...

do all the usual ..

ie ask them to contact you via letter and never by phone....

should you accept the debt offer them a token payment plan that you know you can afford...

ask them to prove where the debt came from and the amount ..

the main thing to remember is that its a room full of idiots trying to bully people into paying what they cant afford..

think of them as wheel clampers on the end of a phone..hehe

anyway worse case scenario .. you go to court... ask the judge for an administration order... he will sit and way up what he thinks you can afford to pay and then you make those monthly payments to the court house....

if after 3 years its only paid some of the bill owed ..the rest is scrapped...

if in doubt speak to citizens advice

photocopy your hand written dated letters to rockwell, so if you offer a £5 a month payment and they refuse it .. then its there problem not yours, you have proof of your offer when your at court...

the main thing is try not to let it get you down .......... i wish you the best of luck and keep us up to date with what happens...your not on your own...x

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...