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Parcel delivery insurance is prohibited under section 57 – Consumer Rights Act – Read about It Here and in The Times. ×


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    • Madmart58
      Lost items sent through Parcel2Go and EVRi

      By Madmart58 · Posted

      Thank you very much for your letter in regard to the above mentioned shipment.  Due to the high volume of parcels coursing through the courier network each day, undergoing continuous processing and handling, certain packages may experience delays or even can get lost in the course of this journey. Please note that due to the time that has passed, this shipment has been declared as lost.  I have today processed the claim and made offers to the value of £75 as a goodwill gesture without prejudice. I do acknowledge that you have mentioned in your letter that the value was higher, however, you did not take out any protection to that amount. The protection for this shipment was £20 and we will not be increasing our goodwill offer any further.    Please log into your account online in order to accept our offer. Once accepted, our accounts department will process the claim accordingly. The claim payment will be processed and received within 7 working days.                                  In addition, a refund of the carriage fee will be processed as a separate payment and will be received within 3 working days.  If I can further assist, please feel free to contact me.   I have also just noticed that yesterday afternoon they sent me an email stating that "after my request" they have refunded the cost of shipping. I did not request the refund so will mention that in my letter as well.
    • Angryman1404
      IDRWW letter and email received this week

      By Angryman1404 · Posted

      Hi I had to leave Dubai back in 2011, during the financial crisis. And only now have I received a letter from IDRWW. Is this anything to worry about about as I have 2 years left until it’s been 15 years(statute barred in Dubai). Worried as just got a mortgage 2 years ago. Could they force me in to bankruptcy? Red lots of different threads on here. And unsure what true and what isn’t. 
    • honeybee13
      Should we trust Sunak or the next PM to fix the Country's problems? (title revised 24/10/22)

      By honeybee13 · Posted

      Not that TOR will see this now he's thrown in the hand grenade. Rayner has plenty of female supporters on X, for a start. As for the council and HMRC, fair enough and I thought Rayner was already in touch with them. That's where it should be dealt with, not the police force. @tobyjugg2 Daniel Finkelstein thinks the same as you about tax. The Fiver theory. How the Fiver Theory explains this election campaign ARCHIVE.PH archived 28 May 2024 17:36:51 UTC  
    • London1971
      Lowell/Overdales Claimform - old Cap1 Debt

      By London1971 · Posted

      Often with the Likes of Lowells/ Overdales that 'proof' doesn't stand up to scrutiny.   Think about it like a game of poker, they want to intimidate you into folding and giving up as soon as possible, and just get you to pay up and roll over, that is their business model, make you think your cards are rubbish. What they don't expect, and their business isn't set up for it, is for a defendant to find this place and to learn that they have an amazing set of cards to play. Overdales don't have an infinite number of lawyers, paralegals etc, and the time / money to spend on expensive court cases, that they are highly likely to lose, hence how hard they will try to get you to roll over.  Even to the extent of faking documents, which they need to do because the debts that they purchased were so cheap, in the first place. Nevertheless it works in most cases, most people chicken out, when they are so close to winning, and a holding defence is like slowly showing Overdales your first card, and a marker of intention that this could get tricky for them. In fact it may be,  although by no means guaranteed that it won't even go any further than that.  Even if it does, what they send you back will almost certainly have more holes than Swiss Cheese, and if with the help you receive here, you can identify those weaknesses and get the whole thing tossed in the bin.
    • theoldrouge
      Should we trust Sunak or the next PM to fix the Country's problems? (title revised 24/10/22)

      By theoldrouge · Posted

      So Rayner who is don’t forget still being investigated by the local council and HMRC  is now begging to save her seat Not a WOMAN in sight in this video other than Rayner  Farage is utterly correct this country’s values are non existent in her seat   Rayner Pleads With Muslim Voters as Pressure From Galloway Grows – Guido Fawkes ORDER-ORDER.COM Guido has obtained a leaked tape from inside a meeting between Angela Rayner and Muslim voters in Ashton-under-Lyne...  

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      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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Parcel delivery insurance is prohibited under section 57 – Consumer Rights Act – Read about It Here and in The Times.

ccj payment is unrealistic!!

wonderwomen83
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wonderwomen83

wonderwomen83

Posted
Posted

Hello,

 

I was sent forms from Northampton county court for a debt owed to Natwest, i admitted the debt and sent the forms back.

 

Today a letter came from them....wanting me to make monthly payments of £857 a month! I dont earn this much a month! im a single mother, i earn £803 a month, are they expecting me to not eat, pay bills, survive?!

 

Im totally gobsmacked and i dont know what to do now, i cant pay this! I had offered £87 a month, which Natwest have declined.

 

Please can someone help me, the letter states i have 16 days to contest but doesnt say anthing else, half of the page has been cut off!

 

help me please!

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gezwee

gezwee

Posted
Posted
yes i sent in everything, i use CCCS so i sent my budget and list of creditors on seperate sheets of paper, i wonder if irwin Mitchell removed all of these before sending it to the courts.

 

I'm confused, did you send your response to Irwin Mitchell and not the court?

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Ell-enn

Ell-enn

Posted
Posted

Did Irwin Mitchell tell you to send the court forms back to them????

Help us to keep on helping

Please consider making a donation, however small, if you have benefited from advice on the forums

 

 

This site is run solely on donations

 

My advice is based on my opinion and experience only. It is not to be taken as legal advice - if you are unsure you should seek professional help.

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wonderwomen83

wonderwomen83

Posted
  • Author
Posted

When you have get the court forms about the debt you have to return them to them, not the courts. the forms clearly state this. Had written in big bold writing, ive just checked the forms i got about being taken to court and it states to sent to Irwin mitchell and not the courts. is this not correct?

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gezwee

gezwee

Posted
Posted
When you have get the court forms about the debt you have to return them to them, not the courts. the forms clearly state this. Had written in big bold writing, ive just checked the forms i got about being taken to court and it states to sent to Irwin mitchell and not the courts. is this not correct?

 

 

Nope, that would not be correct....... Ell-en has taken an interest and I am sure you will receive some very sound advice.

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pompeyfaith

pompeyfaith

Posted
Posted

No all court forms go back to the court and they contact irwin mitchell

 

When you have get the court forms about the debt you have to return them to them, not the courts. the forms clearly state this.

 

If they put the above quote on the form they are in big trouble

Finally if you succeed with your claim please consider a donation to consumer action group as those donations keep this site alive.

 R.I.P BOB aka ROOSTER-UK you have always been a Gent on these boards and you will be remembered for that.

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Ell-enn

Ell-enn

Posted
Posted

That's definitely out of order, when you get a claim form and fill in the response it should go back to the court not to the Claimant. Do you have a scanner? if so can you post up the claim form (remove your name and claim number and anything that can identify you).

 

You will need to send an N245 to the court asking for the judement to be varied to an affordable amount. You also need to complain to the court about Irwin Mitchell's behaviour. We can help you with that.

 

What they have done is not forwarded your response to the court and have got judgement by default - despicable ! :mad:

 

Don't panic - you are NOT going to have to pay that amount each month !!

Help us to keep on helping

Please consider making a donation, however small, if you have benefited from advice on the forums

 

 

This site is run solely on donations

 

My advice is based on my opinion and experience only. It is not to be taken as legal advice - if you are unsure you should seek professional help.

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pompeyfaith

pompeyfaith

Posted
Posted

And also lodge a complaint with the SRA as they have broken the SRA code of conduct.

 

PF

Finally if you succeed with your claim please consider a donation to consumer action group as those donations keep this site alive.

 R.I.P BOB aka ROOSTER-UK you have always been a Gent on these boards and you will be remembered for that.

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wonderwomen83

wonderwomen83

Posted
  • Author
Posted

i have a scanner but will need someone to help me with it tomorrow, my sister will post it on here then.

 

The 1st form i got stated ' if you agree with all og the claim and are asking for time to pay complete the admission form (N9a) and send it direct to the claimant. Do not send a copy to the court'.

 

I did this and today i rec'd Judgement for Claiment (after determination). The claiment has objected to the rate of pyment you offered. the court has therefore decided the rate which you should pay. £857.86 per month.

 

do i just write to the courts now and explain that i cant pay this? i spoke to National debtline who advised that this is all i need to do now, explain that i cant pay these monthly payments.

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Ell-enn

Ell-enn

Posted
Posted

You need to fill in a N245 form and send it to the court - we can help you with that but we really need to see the claim form which states you should send the form back to IM.

Help us to keep on helping

Please consider making a donation, however small, if you have benefited from advice on the forums

 

 

This site is run solely on donations

 

My advice is based on my opinion and experience only. It is not to be taken as legal advice - if you are unsure you should seek professional help.

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wonderwomen83

wonderwomen83

Posted
  • Author
Posted

im really worried now. i sent the forms back them by recorded delivery straight away, i sent them my budget and creditors list. i earn a low wage and cant afford this. the forms state to send back to Irwin Mitchell and not the courts. where do i go from here?

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Ell-enn

Ell-enn

Posted
Posted

See my posts above. Did you keep a copy of everything you sent to them?

Help us to keep on helping

Please consider making a donation, however small, if you have benefited from advice on the forums

 

 

This site is run solely on donations

 

My advice is based on my opinion and experience only. It is not to be taken as legal advice - if you are unsure you should seek professional help.

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wonderwomen83

wonderwomen83

Posted
  • Author
Posted

i stupidly didnt copy the forms, all i have is the delivery proof and copies of budgets. i just paniced and sent everything off that was requested by them. i feel like an idiot now. The form i sent back didnt have much information on because i had attached everything requested on other sheets of paper.

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Ell-enn

Ell-enn

Posted
Posted

OK, see if you can get the claim form uploaded onto here and we'll take it from there.

 

Please don't worry about having to pay the amount they state - you have the right to ask for it to be reduced and your income and expenditure will back that up.

Help us to keep on helping

Please consider making a donation, however small, if you have benefited from advice on the forums

 

 

This site is run solely on donations

 

My advice is based on my opinion and experience only. It is not to be taken as legal advice - if you are unsure you should seek professional help.

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wonderwomen83

wonderwomen83

Posted
  • Author
Posted

thanks for the help, i'll upload tomorrow.

 

Do i write to the court asking for a re-determination and ask for it to be transfered to where i live? national debt said this is the 1st step to take, write a letter to the courts with my budget etc. They never mentioned the form which you say i need.

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Ell-enn

Ell-enn

Posted
Posted

Let's wait till we've seen the claim form - we can advise further then.

Help us to keep on helping

Please consider making a donation, however small, if you have benefited from advice on the forums

 

 

This site is run solely on donations

 

My advice is based on my opinion and experience only. It is not to be taken as legal advice - if you are unsure you should seek professional help.

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wonderwomen83

wonderwomen83

Posted
  • Author
Posted (edited)

i have spoke to someone on money saving expert who has advised that i dont need to pay the fee of £35 for the re-determination as i was given a fair hearing, here is the letter below. is this correct? do i send the letter below and also the N245? i'm getting very confused. i also have the claim forms and the judgment letter to put on here, can someone advise me how?

 

To the Court Manager:

 

REDETERMINATION UNDER RULE 14.13 CPR

 

I apply for this matter to be reconsidered (redetermined under Rule 14.13 of the Civil Procedure Rules). Under rule 14.13 there is no court fee to make this application.

 

I am unable to pay the full Judgment instalment as ordered on (insert date of order) and submit that this has been set an unrealistic amount.

 

I request the Court reconsiders the Judgment. To assist I enclose an up to date financial statement and list of other unsecured debts, which have been provided to me by the Consumer Credit Counselling Service (CCCS)/CAB/National Debtline (delete as applicable).

 

As you can see my budget shows I have £…. surplus/ £…. deficit after essential living costs and also have (insert number of creditors in total).

 

Given my circumstances and considering my finances as a whole I am able to offer £…. .monthly instalment and request the court set the Judgment at this amount.

 

Under rule 14.13 of the CPR it is clear that because the Judgement was granted without a hearing I am entitled to have this redetermined and if necessary transferred to my local county court.

 

My application is also compliant with the time limit as it falls within the 14 days from the original order.

 

I look forward to hearing from you.

 

Yours faithfully,

 

 

Name

Edited by wonderwomen83
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  • 2 months later...
wonderwomen83

wonderwomen83

Posted
  • Author
Posted

Hello,

 

I have my redertermination hearing on Thurday but today i had a letter come in the post from Irwin Mitchell saying they have applied for a charging order against a property which i havent lived at for 3 years, my name is still on the mortgage though.

 

I spoke to the lady on the phone and she was totally disgusting to me, she said she didnt care if that i was going to redetermiantion and they want the £857 a month that the orginal order was for.

 

I just want some advice please, i am really worried about this. the flat they are going for is in negitive equity, i borrowed £97,000 and i had it valued at 85,000 2 months ago.

 

Can they go for a charging order while i am waiting for my retermination? i still have been paying the amount of £78 a month whichi have been paying through cccs for 3 years.

 

Thanks.

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Surfer01

Surfer01

Posted
Posted

You have been given good advice on this forum, but for whatever reason you have chosen to ignored it and have taken advice from MSE. This seems to have crfeated some confusion. I suggest that you either use CAG or MSE to avoid mixing up advice. There are many Caggers who can offer good solid advice. From my own experience I no longer post on MSE due to conflicting and incorrect advice by some people on the forum.

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Surfer01

Surfer01

Posted
Posted
Please can you advise how i have taken advice from MSE? this is the only site i have recently used - the only site where i have copied letters like th eone on this thread and posted to the courts?

 

Thanks.

 

Your post #20 on this thread

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