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    • Hi, I've been reading the invaluable advice on this forum and reading about the problems with Evri and lost delivery of items.  From what I gather the initial steps after having exhausted every's own lost item claim process is to draft a Letter of Claim, I think it is called and to register with the government Money Claims.  I have got a login for Money Claims and have made an initial stab at the letter but I'm not certain I have got it right. Am I right to assume that having exhausted Evri customer service's claims process and having received the denial of any compensation because the laptop I was sending is on the non-compensatory list that my next step would be to send the Letter of Claim to them? Let me provide some basic details which I hopefully have addressed in the letter. I purchased a laptop through Amazon.co.uk which a business in Belfast sold refurbished laptops through.  They had a 30 day money back guarantee for a full refund if you have any issues with the laptop.  I have the invoice from Amazon showing the purchase.  On 27 April, 2024 before the end of the 30 day period I used their ParcelShop (inside a Tesco) to send the laptop back and have the tracking reference mentioned in the letter.  As mentioned in the letter there was they advised they could not give me or sell me any insurance because laptops are on the non-compensatory list so I just paid the normal delivery cost.  It was scanned as leaving the ParcelShop on 29 April and the tracking has been like that ever since.  After a 28 working day Evri claim process they gave the expected response that they could not provide any compensation and simply could not proceed with my claim. I was hoping to get some advice on whether I go ahead now and email this to Customer Services straightaway and should I send a hard-copy to the Evri address as well?  Or are there any steps I have missed out on first?  I believe 14 days is the reasonable period of time for them to respond so if I were to send it tomorrow, for example 12 June then I should expect a reply by 26 June, is that correct and fair?  And assuming they don't reply with a full refund then I would then go down the government Money Claims site to proceed with that? Sorry for all the questions, I want to make sure I go about it properly.  I'll continue to read through other cases on here so I can get an even better handle on the process. I attached a LOC, happy for any edits or updates that will make it even better. Thanks so much for anyone's help! Regards, Matt Evri letter of claim.docx
    • The date was 3 June. Get on MCOL now. The legal principle is that, even if you defence is late, if the other party hasn't requested judgement, then your defence takes priority and is accepted. You might be in time. When I say now I mean now.  Recently we had someone who was nine days' late and this was pointed out to them at 5:30pm.  They faffed around till 11pm.  When they went on MCOl they saw that judgement had been entered at 7pm. Every minute is vital. File the below standard defence if you still can - 1.  The Defendant is the recorded keeper of [motor vehicle]. 2.  It is denied that the Defendant entered into a contract with the Claimant. 3.  As held by the Upper Tax Tribunal in Vehicle Control Services Limited v HMRC [2012] UKUT 129 (TCC), any contract requires offer and acceptance.  The Claimant was simply contracted by the landowner to provide car-park management services and is not capable of entering into a contract with the Defendant on its own account, as the car park is owned by and the terms of entry set by the landowner.  Accordingly, it is denied that the Claimant has authority to bring this claim.    4.  In any case it is denied that the Defendant broke the terms of a contract with the Claimant. 5.  The Claimant is attempting double recovery by adding an additional sum not included in the original offer.  6.  The Particulars of Claim is denied in its entirety.  It is denied that the Claimant is entitled to the relief claimed or any relief at all.
    • Hi friends,  I’m a bit worried I may have got confused with timings here. I thought I had 33 days from my acknowledgment to submit a defence but the date added above says 3/6/24.   have I missed the date?   if so how can I apply for an exception due to my disability and problems with deadlines and dates etc (ADHD)?   what should I submit as a defence?   I’ve had no reply from BW so far    just been back on MCOL and it says 28 days from service if I completed an acknowledgment of service so does that mean 28 days from that of acknowledgement (I.e. 16/5) which would make deadline for defence 14/6?   Thanks! Panicking here.
    • Normally we don't advise playing your cards early in a snotty letter, but as you have appealed we might as well use what you wrote in the appeal against them. There is no rush, you have until 6 July to get it to them.  See what the other regulars think too. How about something like this? -   Dear Rachael & Sean, cheers for your Letter of Claim.  I rolled around on the floor in laughter at the idea you'd actually thought I'd take such tripe seriously and would cough up! As usual you'll have been too bone idle to do any due diligence.  Had you done so you would have seen that I appealed to your client.  Indeed the driver on the day is a textbook example of having done exactly what you should do when you do not wish to be bound by the T&Cs in a private car park. Of course none of that mattered to the spivs you represent but do you really want to put such a useless case in front of a judge? To be fair, your clients are very useful members of the human race - as comedians.  How I loved the page turner of their antics at The Citrus Building in Bournemouth.  It was chuckle after chuckle reading about them, letter after letter, month after month, insisting they were legally in the right, even through someone who had done just the first day of a GCSE law course could have told them they weren't.  Until the denouement - BOOM - an absolute hammering in court.  In fact - SLAM, BANG - managing to lose twice against the same motorist for the same car park in front of two different judges. Your client can either drop their foolishness now or get yet another tolchocking* in court where I will go for an unreasonable costs order under CPR 27.14(2)(g) and spend the dosh on a nice summer holiday, while every day laughing at your clients' expense. I look forward to your deafening silence. COPIED TO COUNTRYWIDE PARKING MANAGEMENT LTD   *  This word is used under licence from Brassnecked
    • Well yes, ... and the tax dodgers ... Trump May Owe $100 Million From Double-Dip Tax Breaks, Audit Shows A previously unknown focus of an I.R.S. audit is a dubious accounting maneuver that effectively meant taking the same write-offs twice on a Chicago skyscraper. nytimes.com WWW.NYTIMES.COM  
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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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GE Money PPI on Mortgage & a Secured Loan


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Hi all

 

New to this forum this weekend, have already had some smashing advice re bank charges...however, I have had some serious problems with GE Money.

They are bullies, and I will try and keep this brief, if anyone can steer me in the right direction I would be most grateful.

 

I have a mortgage with GE money, and last year my husband came out of work, made it hard for us to pay anything back. Despite several communications with them it took them around 6 months to advise me that i could actually go on interest only, but the whole time i was in arrears previously they were charging me lots of fees, which i believe are now added to my mortgage...where do i stand with this.

 

Unfortunately I also have a secured loan with them. This i am still trying to catch up on and I believe that they are charging me £40 per month every month i am behind. obviously this does not help when you are struggling anyway. Can I claim back on secured loans and mortgage?

 

If you can help i would be very thankful, if i need to clarify anything further please ask as TBH i am so stupid when it comes to mortgages/secured loans as to where i stand legally, still trying to read up on everything on this site :)

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Guest Old_andrew2018

Once you have the paperwork you need to work out the total charges levied.

Armed wth this information you start by approaching the lender asking for it back, this is followed by a Letter Before Action.

This is some advice about what you can claim http://www.consumeractiongroup.co.uk/forum/mortgage-companies/139339-what-you-can-cannot.html#post1482245

 

Andy

Edited by old_andrew2007
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Thank you. Will get the letters issued straight away and take it from there. i have been reading other posts and they seem to do the same to all their customers who have had difficulties in paying, even when they have made a mistake they threatened me with litigation!

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I have in my possession a letter from GE with regard to my mortgage. it states:

 

Following a review of your account, your monthly instalment has increased to £xxx.xx with effect from 31st May 2009.

We have made this change to include repayment of your fee balance of £1675.05. Should all payments be received these fees will be repaid over the remaining term of your loan,

Please note: The above revised amount does not include amounts to clear arrears.

Now am i right in thinkin this must be the figure I have incurred in charges and that by them putting this onto my loan i am also now going to pay additional interest on this amount. I know i may seem thick, but i have never claimed anything back in my life so this is all so very new to me.

 

Any opinions most welcome.

Thanks Deli x

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on bbc teletext today....

GMAC-RFC mortgage lender fined by FSA for mistreating customers who fell into arrears. They have also been told to repay £7.7 million plus interest to 46,000 of its borrowers. FSA said the company levied unfair charges on customers who fell behind with their payments and were too eager to reposses them. GMAC apologised and some of its charges had been excessive.

I trust this may assist your cause.

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Quick question. I have received all info from GE money!! only company that has complied so far!

 

I am currently going through all this information, and there are lots of pages! I am highlighting all the unpaid dd fee and admin charges, the unpaid dd fee seemed to jump from 20 to 25 at some point! also the admin fees are 40 every month you are in arrears, i understand you cannot reclaim solicitors fees, but can i reclaim "additional interest" ?

 

Any help would be appreciated.

 

Thanks

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Ok so now i am very confused ! The charges put on my account according to the statements i have received right back to 2006, including additional interest comes to £1263.46 by my calculation. Now as you see in my previous post that they are adding my fees of £1675.05 to my mortgage! Where on earth has that figure come from?!:confused::confused:

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OK, will go for the charges i have added up. I think the rest of the charge they have added to my mortgage were solicitors fees? Are they allowed to capitalise it? Just that means I not only owe them the solicitors fees but going to pay interest on them for the next 20 yrs?!!!

 

Can anyone point me in the direction of the letter i send to request back the charges?

 

I just ask for the charges back and not add the 8% interest, am i right?

 

Thanks x

Edited by delicarik123
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Good morning

In EXACTLY the same position with GE Money. According to the statements, they have not only set out the interest on the loan, but when in arrears there is also another figure which is called 'additional interest', and also has a different 'transfer code' against it.

 

Now my view of all of this is that this is not allowed....i.e.: unlawful, as it would be interest on the arrears which are already increasing due to no payments being made (divorce, work problems, streess....etc)

 

I am already in contact with their solictors and for the charges alone, the sum is over £4500, saucy p*g offered £800!!

 

I have now discovered this additonal interest, [thanks to a colleague], and have now recalculated claim to be in excess of £7000. Have written to them...waiting for response.....

 

I WILL sue for the whole amount if no sensible agreement reached. They cost me so much in streess and unneccessary litigation....

 

 

Watch this space..

 

I am not done with them by a long chalk......they are so similar [identical!] to GMAC.

 

Google their name and see what happened to them!

 

All the best as always

Dougal

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I am sure at one point i had a mortgage with GMAC! I must look that up, maybe worth going for stuff back off them.

 

In the meantime is it this letter i am sending to claim charges back from GE?

 

Request for repayment of charges

 

Dear Sir/Madam,

 

ACCOUNT NUMBER: xxxxxxxx

 

 

My request

 

I am writing to ask you to refund to me charges and related interest which you have levied from my account over the last 3 yrs.

 

The High Court has recently decided that your charges are subject to the Unfair Terms in Consumer Contracts Regulations 1999. I consider that the regime of charges you operate is unfair within the meaning of these Regulations as they are not individually negotiated, they operate in much the same way as charges operated by other High street lenders and therefore there is little alternative to myself but to agree to the charges. Furthermore the charges are contrary to the requirement of good faith and fair dealing as they lack basic standards of commercial moral practice and take an unfair advantage of the weak bargaining power of the consumer. They impose a significant imbalance in the rights and obligations between the contracting parties which is to my detriment. I also consider that the charges may be unlawful at common law.

 

Your responsibilities

 

I would draw your attention to the terms of the contract which you agreed to at the time that I opened my account. It is an implied term of that contract that you would conduct yourselves lawfully and in a manner which complies with UK law.

 

I am frankly shocked that you have operated my account in this way as I had always reposed confidence in your integrity and expertise.

 

I consider that your repeated representations that your charges are fair and reasonable are deceptive and that they have deceived me into agreeing to pay them.

Your concealment of the true nature of your charges has prevented me from asserting my right until now.

 

What I require

 

I calculate that you have taken £XXXXX.

I enclose a schedule of the charges which I am claiming with this letter.

 

My targets to resolve this matter

I hope that you will enter into a sincere dialogue with me about this matter and I am writing this letter to you on the assumption that you will prefer to do this than merely respond with standard letters and leaflets.

 

I am fully aware of the waiver which you are presently relying upon and which was granted to you by the FSA. However, this is an internal industry matter and has nothing to do with me. It is one-sided and I note that you continue to levy charges and to enforce them despite the weight of judicial and popular opinion against you.

 

I will give you 14 days to reply to me accepting, unconditionally, my request in principle and letting me know a date by which I will receive payment.

 

If you dispute that I am entitled to a refund of these charges, then please let me know within the above timescale the basis upon which you dispute together with the reasons why you consider your charges to be fair.

 

If you do not respond, or you do not respond positively, within this time period, I shall send you a letter before action giving you a further 14 days in which to reflect. I believe that these targets are more than sufficient for a large company such as yours with dedicated staff and departments.

 

After that, there will be no further communication from me and I shall issue a claim at the expiry of the second deadline.

 

Yours faithfully,

 

 

Or does this only relate to bank charges? I took out any reference to banks and put lender in its place? can any tell me is this ok? Is there anything i need to add or delete?

 

Thanks

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Good evening

 

I have added/altered your letter a bit...I thought it might help.

 

Any questions or comments please let me know.

 

Dear Sir/Madam, ACCOUNT NUMBER: xxxxxxxx

 

My request

I am writing to ask you to refund the fess and charges and related interest which you have levied on my account from (date) to (date)

 

The High Court has recently decided that your charges are subject to the Unfair Terms in Consumer Contracts Regulations 1999. I consider that the regime of charges you operate is unfair within the meaning of these Regulations as they are not individually negotiated, they operate in much the same way as charges operated by other High street lenders and therefore there is little alternative to myself but to agree to the charges.

 

Furthermore the charges are contrary to the requirement of good faith and fair dealing as they lack basic standards of commercial moral practice and take an unfair advantage of the weak bargaining power of the consumer. They impose a significant imbalance in the rights and obligations between the contracting parties which is to my detriment. I also consider that the charges may be unlawful at common law

 

Your responsibilities:

 

I would draw your attention to the terms of the contract which you agreed to at the time that I opened my account. It is an implied term of that contract that you would conduct yourselves lawfully and in a manner which complies with **UK** law.

 

I am frankly shocked that you have operated my account in the manner that you have to date, as I had always placed my confidence in your integrity and expertise.

 

I consider that your repeated representations that your charges are fair and reasonable to be deceptive and that those representations have deceived me into agreeing to pay them

 

]Your concealment of the true nature of your charges has prevented me from asserting my right until now

 

What I require

 

I calculate that you have taken £**XXXXX

 

I enclose a schedule of the charges which I am claiming with this letter

 

My targets to resolve this matter

 

I hope that you will enter into a sincere dialogue with me about this matter and I am writing this letter to you on the assumption that you will prefer to do this rather than merely respond with standard letters and leaflets.

 

I am fully aware of the waiver which you are presently relying upon and which was granted to you by the FSA. This is due to expire in January 2010.

 

However, this is an internal industry matter and has nothing to do with me. It is one-sided and I note that you continue to levy charges and to enforce them despite the weight of judicial and popular opinion against you.

 

I will give you 14 days to reply to me accepting, unconditionally, my request in principle and letting me know a date by which I will receive payment

 

If you dispute that I am entitled to a refund of these fees and charges, then please let me know within the above timescale the basis upon which you dispute together with the reasons why you consider your charges to be fair

 

If you do not respond, or you do not respond positively, within this time period, I shall send you a letter before action giving you a further 14 days in which to reflect. I believe that these targets are more than sufficient for a large company such as yours with dedicated staff and departments.

 

After that, there will be no further communication from me and I shall issue a claim at the expiry of the second deadline

Yours faithfully

 

As I said, I hope this helps...

 

Regards

 

Dougal

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Good morning,

 

Thanks for the compliment - I'm no star- just keen to helkp.

 

I would apply the 8% now, and remember you can always apply to the Court for leave to amend the claim, and alter the interest rate to contractural interest (i.e.: 19.5% - the rate the bank are probably charging you), if neccessary!

 

Best wishes

 

Dougal

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Good evening all,

 

My fault -:confused: - it doesn't work exactly like that - somewhere on this site is a bank charges interest calculator. If you can't find it let me know.

 

You enter the date the charge was made, the amount of the charge and the calculator works out how much the interest is, for the period starting when the charge was applied tup o date.

 

It is very easy and you will be surprised at the interest. The calculations are made at the current County Court rate of 8%. You can always amend particulars of claim later if you are going to go for Contractural Interest.

 

Again apologies

 

Best wishes

 

Dougal

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Yeah I have the calculator thanks, I think I may have confused you in my question lol sorry! I confuse myself half of the time.

 

So I have filled this in, and it has calculated the interest, what i am asking is do i then add this figure to the letter? Sorry if i am not being clear having a bad time of it at the mo!

 

Thanks for all your help

 

Deli

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Good evening,

 

The simple answer (which suits my tiny :shock: brain!!) is to print off the form which has been completed with the charges/dates/interest and send a copy of it to anyone who needs it!!

 

Hope this helps!!

 

Best wishes

Dougal

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