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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.

      Frankly I don't think that is any accident.

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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Cant pay at all, debtor's prison next?


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Update no2. Today I took the papers into my local County Court to ask what action I need to take and the guy there took one look at them and said he'd just had a phone call from the originating court, asking for the papers to be sent back to them, after they had only just received them here. Says its the first time he's had such a request. Good sign or bad? Maybe they've realised its a mess with them trying to claim the full sum which includes the up-front loan for the PPI. :confused: Still not heard from their PPI provider dept.

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Update no2. Today I took the papers into my local County Court to ask what action I need to take and the guy there took one look at them and said he'd just had a phone call from the originating court, asking for the papers to be sent back to them, after they had only just received them here. Says its the first time he's had such a request. Good sign or bad? Maybe they've realised its a mess with them trying to claim the full sum which includes the up-front loan for the PPI. :confused: Still not heard from their PPI provider dept.

 

Today I have a letter from their PPI provider (Lloyds Insurance) and they say it will take them up to 4 weeks more to finalise my complaint because it is taking a long time to gather the information. I think they realise this is a mess for them. How can I capitalise on this? Should I make a SAR request to find out what records they have of that sales interview where they stitched me up :confused:

 

Are you talking about the Allocation Questionaire?

 

M

 

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Yes, my papers are AQ,s but dont know what the local office sent back.

 

Can you speak to the court and find out what was requested to be sent back - I'm assuming you mean sent back to Northampton (which is puzzling to say the least).

 

And what return date do you have on your AQs?

 

M

 

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Can you speak to the court and find out what was requested to be sent back - I'm assuming you mean sent back to Northampton (which is puzzling to say the least).

 

And what return date do you have on your AQs?

 

M

 

Whatever our court received this week, got sent straight back to Northampton. The clerk guy said I have at least 4 weeks to respond to the QA's. Sorry, I have to go out now, so now further dialogue till after 6pm.

Edited by steve4kendal
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Hi there

LLoyds might be OK - but if the debt gets pushed over to a DCA then you could be in BIG TROUBLE.

 

Some of the slimier DCA's will go for the juggular here -- I've heard of cases where they have threatened to go for a forced sale of a property on as little as 1200 GBP of UNSECURED DEBT.

 

This whole area of charging orders should be made quite clear on the original CCA -- I think many of us would most certainly NOT have taken out Credit Card agreements if there was the remotest possibility of losing a house on "UNSECURED DEBT" -- makes the whole statement UNSECURED LOAN a TOTAL LIE.

 

(It's a real shame that we can't use the Trade Descriptions Act against this as saying something is UNSECURED when it blatantly isn't is just a total LIE).

 

However a Court will tend not to force a sale as there are other creditors such as the Mortgage company who have a prior call and you will probably only have to pay a small amount each month.

 

You are actually worse off if you own the property outright.

 

It's disgusting really how the Banks etc offer all this stuff to individuals - but as soon as you get into serious problems such as jobs being off shored to India etc so your income falls to near zero -- Bang - on go the BULLIES, THREATOGRAMS and DISGUSTINGLY EXTORTIONATE FEES to people who can LEAST AFFORD TO PAY THEM.

 

Solved fortunately but I had a water company wanting to collect a 90 GBP "Fee" on a 78 GBP debt and for overdue Council tax a Bailiff wanted to add another 300 GBP to a 500 GBP. Both solved thank goodness with help from this forum -- thanks guys.

 

Maybe there should be a website somewhere that people could use to name and shame actions of specific individuals who work for these DCA's and cause so much misery and stress to people who through no fault of their own find themselves in real trouble.

 

Cheers

jimbo

 

maybe there should also be a website advising people not to take on loans that take up all the disposable income of two jobs

 

come on guys it takes 2 to tango

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Steve,

 

Don't panic. You need to concentrate on sending back your AQs. Have a read around the forums and see what's involved. I think you have to forget about whatever has been returned to Northampton. If we can't find out what it was then it's not relevant!

 

There will be a date of return on the AQs - what is it?

 

When I've had time to read your thread (prob not until tomorrow as i'm off out soon) i'll have a bundle of questions.

 

Keep smiling :)

 

M

 

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maybe there should also be a website advising people not to take on loans that take up all the disposable income of two jobs

 

come on guys it takes 2 to tango

 

If you read my original posting

http://www.consumeractiongroup.co.uk/forum/payment-protection-insurance-ppi/239366-mis-sold-lloyds-tsb.html

 

I didnt go in looking for the loan, I went for advice. Spot-on advice it was too :|

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If you've received court papers, have you sent the response back to the court stating you are defending? there are fixed timescales that you HAVE to adhere to else they will win by default.

 

You may want this thread moved to the legal forum for more legally bods to see it.

 

S.

 

This is extremely important, and make sure you do this yourself and don't rely on a solicitor to do it for you. I have been caught badly by relying on a solicitor to lodge a defence who simply didn't do it in time.

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OK. Have had a read of both threads now so I have a few questions and we need you to clarify a few things as with 2 threads this is getting a bit messy.

 

First things first (and the most important of all!!!) you have received an Allocation Questionnaire. It is of the HIGHEST importance that you deal with this within the time frame given on the form. What is it?

 

With regards to the papers at the court that were recalled I can only assume that this was their Strike Out Application - whatever it was it doesn't matter now.

 

You also say you were miss sold PPI. You also say that they 're-paid' the majority of this with no explanation some months ago. How did they repay? A cheque, reduced balance, how?

 

You have had a copy of the agreement off of the solicitors. Can you cover your personals and account number and post this up?

 

Subject Access Request - you were advised some time back to send one - did you send it? If not then get one off NOW! It may be too late to get the info in good time but you will get an opportunity to squeeze them for info with Directions with your AQ.

 

The wording of the defence you submitted - can you post it up (all of it), likewise with the particulars of claim.

 

DN and any termination notice - post these up too. I see they've been up before but the links no longer work.

 

Keep all your postings from this point in the one thread only.

 

Correspondence from the bank or Sols - again, post it up but block your personals out.

 

I find that the best way is to use Photobucket, edit out your personals and then hit REPLACE ORIGINAL! That way you don't leave any personal info on your Photobucket account.

 

Get going with that lot, get organised and then we'll have a look and see what we've got.

 

M

 

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OK. Have had a read of both threads now so I have a few questions and we need you to clarify a few things as with 2 threads this is getting a bit messy.

 

First things first (and the most important of all!!!) you have received an Allocation Questionnaire. It is of the HIGHEST importance that you deal with this within the time frame given on the form. What is it?

 

With regards to the papers at the court that were recalled I can only assume that this was their Strike Out Application - whatever it was it doesn't matter now.

 

You also say you were miss sold PPI. You also say that they 're-paid' the majority of this with no explanation some months ago. How did they repay? A cheque, reduced balance, how?

 

You have had a copy of the agreement off of the solicitors. Can you cover your personals and account number and post this up?

 

Subject Access Request - you were advised some time back to send one - did you send it? If not then get one off NOW! It may be too late to get the info in good time but you will get an opportunity to squeeze them for info with Directions with your AQ.

 

The wording of the defence you submitted - can you post it up (all of it), likewise with the particulars of claim.

 

DN and any termination notice - post these up too. I see they've been up before but the links no longer work.

 

Keep all your postings from this point in the one thread only.

 

Correspondence from the bank or Sols - again, post it up but block your personals out.

 

I find that the best way is to use Photobucket, edit out your personals and then hit REPLACE ORIGINAL! That way you don't leave any personal info on your Photobucket account.

 

Get going with that lot, get organised and then we'll have a look and see what we've got.

 

M

 

Yes, I have the AQ and the dateline is 18 Feb and I can ask for a 1 month stay.

I think they repayed most of the PPI by means of a reduced balance, bec ause it was put on up front at the start.

I put in a defence that I did not know what the claim was about, because LLoyds never gave me any paperwork (true) This of course resulted in paperwork being sent pronto, but they will I presume, apply for the defence to be struck out.

Will deal with the other matters tommorrow, But what are we hoping to achieve here? I did borrow the money, but I feel they were reckless in loaning me it given my circumstances and uninsurability. What can I hope for here? This is new territory for me. :|

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Will be able to tell you more when we can see a bit more of the facts.

 

At worst - a ccj with minimal payments and a dent on your credit file for six years - but that could be a long way off yet and you've already got that as you were defaulted :)

 

At best, maybe there's a reason or two that you owe nothing, or at least beyond what would stand up in court. But there's a way to go yet.

 

Looking at what's there so far, I wouldn't mind digging a bit deeper on the PPI issue. I'm newly exploring PPI myself, so wouldn't be best suited to advise you of what to look for, but plenty of others on the forum would - we just need to get the right info up for people to consider.

 

And just clarify again if you could about the one month stay. How has that come about or are you reading that from the AQs?

 

Do your best to post up what you can from what i've asked you for.

 

Try not to worry too much - If there's an answer you'll find it here. :D

 

M

 

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This bit>>>>

1. Given that the rules require you to try to settle the claim before the hearing, do you want to attempt to settle at this stage?

2. If Yes, do you want a one month stay?

 

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That's the one

 

 

I think that bits if you want to attempt a settlement, but dont think that what you want at this stage.

 

Surely as its probably too late to enter a N244, wouldnt it be better to do the AQ with the requesting directons so that the court can order the claimant to disclose

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I think that bits if you want to attempt a settlement, but dont think that what you want at this stage.

 

Surely as its probably too late to enter a N244, wouldnt it be better to do the AQ with the requesting directons so that the court can order the claimant to disclose

 

Quite right. And it doesn't change the AQ dates in any way. They must still be in on time. If the other side don't tick that box then the judge will decide anyway.

 

M

 

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