Jump to content


  • Tweets

  • Posts

    • 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  
  • 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

Fighting A Charging Order MBNA/RESTONS after Redetermination


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 5130 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

  • Replies 315
  • Created
  • Last Reply

Top Posters In This Topic

Top Posters In This Topic

Many thanks again lilly white. Couldn't sleep much last night, my head was buzzing. Wish I knew all of this 2 years ago, steep learning curve for me but it's good I know it now.

 

Right, now onto the covering letter for the Judge.

We will be sending our budget/expenditure/Debt Management Plan information to the Judge in good time for the hearing.

Never done this before so:

 

1. To whom do I address it to? We have a reference number from the court.

 

2. To whom do I address the cover letter to? Your honour? Sir/Madam?

 

3.In the covering letter is it ok to explain how quickly MBNA issued the court papers and how they didnt accept our token payments/DMP?

Is it also ok to tell the judge that approx 5K of the debt is made up of charges and interest in the last 18 months alone.

Basically, is it ok to tell the Judge in our letter that we have tried to negotiate with MBNA so that we can pay the debt off? (we never ignored it and never missed payments until we had to switch to token payments because of the loss of our work) We tried many times to come to some arrangement, just even to get a bit of time until we were back on our feet but they didnt wait and issed those blue and white court papers anyway so quickly.

 

4. Do we mention in the covering letter that Northampton Court ruled in our favour and agreed with our £3 a month payments? Presumably the Judge in our local court would know that? Or not?

 

I dont want it to turn into many pages but I do want the Judge to have all the information to help our case.

 

Many thanks for any advice, have a good Sunday, keep warm!

Link to post
Share on other sites

Morning, morning, morning :-)

 

I would think a simple letter would suffice for now. If everything goes pear shaped for whatever reason then we can go into battle mode.

 

I would address the letter to: "The Court Manager" and just plainly state the facts as you know them in the order they happened. You definitely want to mention the judgement at Northampton and that you feel the Claimant is acting unfairly in the circumstances.

 

Post whatever you write here and we can advise on anything you can add/change etc.

Link to post
Share on other sites

Morning, morning, morning :-)

 

I would think a simple letter would suffice for now. If everything goes pear shaped for whatever reason then we can go into battle mode.

 

I would address the letter to: "The Court Manager" and just plainly state the facts as you know them in the order they happened. You definitely want to mention the judgement at Northampton and that you feel the Claimant is acting unfairly in the circumstances.

 

Post whatever you write here and we can advise on anything you can add/change etc.

 

Wonderful thankyou.

I reckon I have about a week before I should get things sent off so I will post here when ready. I tend to waffle so it will be great to have my covering letter checked over and also in case I miss anything!

Huge thanks, from becoming anxious again last night I feel more in control again today!

Link to post
Share on other sites

Morning All,

 

Hope you are all well. It has been a week since I last posted, I was meant to write the letter to the Court Manager in preparation for the court hearing in 3 weeks.......thank you for your patience, I will get it done and posted today. My uncle died quite unexpectedly on Tuesday morning so I haven't had a chance to sit and think about this letter as my mum has needed a lot of support.

 

But, I am here now and I have made lots of notes and now I need to put them in a good way in this suppporting letter. A bit nervous as I have never written such a letter before so any advice about how to word things or whatever would be much appreciated. I will simply tell it as it is and then we can take it from there.

 

If my little ones allow I will make a start on it now :), hope to be back shortly.

Many thanks.

Link to post
Share on other sites

Here is the letter, any advice greatly appreciated.

(Also I'm not very good at beginning and ending 'normal' letters let alone letters to a court!) :oops:

 

 

Claim No: XXXXX

Claimant: MBNA EUROPE BANK LTD

Defendant: Mr X

 

 

Dear Court Manager,

 

I am writing with reference to the above claim. The Redetermination Hearing will be on xxxxx 2010.

Enclosed please find documentation supporting my defence for your kind attention.

 

About 18 months- 2 years ago I began having financial difficulties when I was unable to find regular work. I am a self employed plasterer. I contacted MBNA a few times to inform them of this and see if they can help relieve the mounting pressure until my work picked up and my wife returned to work (following extended maternity leave). I have been an MBNA customer since 1995.

 

They refused to help and said that the debt must be paid, including all charges and interest at 27%. When I told them again of our financial difficulties making the monthly payments they refused to lower the interest and stopped the use of the card. We had to borrow more money in order to keep up with the payments.

 

This continued until March 2009 when we sought advice from the Consumer Credit Counselling Service. We were advised to pay token payments and send copies of our budget,expenditure and income to all our creditors which explained our financial situation and continue this until we were able to go on a Debt Management Plan.

 

I was still suffering a severe shortage of work then and although my wife went back to work in October 2008, her contract was not renewed in May 2009 which was another serious blow. By now we had mortgage arrears on our home and arrears with council tax, tax and utilities. Time and again I tried to seek help from MBNA but was flatly told 'Don't forget we are here to make money from you Mr X'.

 

The CCCS advised us to continue with the token payments until such a time that we had enough disposable income with which to begin a Debt Management Plan.

 

My wife had managed to secure a new position due to begin on the 1st September. When I informed MBNA of this and our plan to start a DMP which meant that all our creditors were to get an increased monthly payment they told me that this would take too long, they did not want to wait and they would take legal proceedings.

 

I quickly received the court papers from Northampton County Court on the 18th August 2009. I completed them and sent our budget/expenditure/income/list of creditors. On 28 August the court decided the rate at which I should pay the debt and it was kept at instalments of £3 per month. (judgement enclosed)

 

By then the debt had increased from £9000 to £14000 without me using the card at all, it was all interest and charges.

We began paying this monthly amount and heard nothing until 9 October 2009 when we received a letter saying that the claim had been trasferred to XXXX County Court to deal with the claimant's application for redetermination.

 

We have now started our DMP.(papers enclosed)

MBNA were invited to be on our DMP but they refused. I believe they acted unfairly by immediately initiating legal proceedings and continuing to add interest and charges when they had our budget and expenditure details. Their constant phone calls were threatening and they gave no consideration to our situation. (is this too emotional? Should I leave it out?)

Now the ending which I am never good at.....

Thank you for your kind attention. ??

 

Wherever I wrote 'papers enclosed' that means I will be sending the documents to the court.

Also, I wrote this for my husband, it's his card...but I'm the letter writer in the house ;)

Many thanks for any advice on how to tighten or smart this letter up a bit.

Link to post
Share on other sites

 

 

Claim No: XXXXX

Claimant: MBNA EUROPE BANK LTD

Defendant: Mr X

 

 

Dear Court Manager,

 

I am writing with reference to the above claim. The Redetermination Hearing will be on xxxxx 2010.

 

 

Enclosed please find documentation supporting my defence for your kind attention.

 

can you mark these so the judge can see them,

 

ie 1 ,2, 3 repayment plan etc

 

1 Background

 

About 18 months- 2 years ago I began having financial difficulties when I was unable to find regular work. I am a self employed plasterer. I contacted MBNA a few times to inform them of this and see if they can help relieve the mounting pressure until my work picked up and my wife returned to work (following extended maternity leave). I have been an MBNA customer since 1995.

 

They refused to help and said that the debt must be paid, including all charges and interest at 27%

 

 

. When I told them again of our financial difficulties making the monthly payments they refused to lower the interest and stopped the use of the card

 

 

. We had to borrow more money in order to keep up with the payments.

This continued until March 2009 when we sought advice from the Consumer Credit Counselling Service.

 

 

We were advised to pay token payments and send copies of our budget,expenditure and income to all our creditors which explained our financial situation and continue this until we were able to go on a Debt Management Plan.

 

I was still suffering a severe shortage of work then and although my wife went back to work in October 2008, her contract was not renewed in May 2009 which was another serious blow.

 

 

 

By now we had mortgage arrears on our home and arrears with council tax, tax and utilities.

 

Time and again I tried to seek help from MBNA but was flatly told 'Don't forget we are here to make money from you Mr X'.

 

The CCCS advised us to continue with the token payments until such a time that we had enough disposable income with which to begin a Debt Management Plan.

 

My wife had managed to secure a new position due to begin on the 1st September. When I informed MBNA of this and our plan to start a DMP which meant that all our creditors were to get an increased monthly payment they told me that this would take too long, they did not want to wait and they would take legal proceedings.

 

2 Court action

 

I quickly received the court papers from Northampton County Court on the 18th August 2009. I completed them and sent our budget/expenditure/income/list of creditors. On 28 August the court decided the rate at which I should pay the debt and it was kept at instalments of £3 per month. (judgement enclosed)

 

 

 

3 INCREASE OF DEBT

By then the debt had increased from £9000 to £14000 without me using the card at all, it was all interest and charges.

 

which has not been fully explained to me

 

 

4 Continuing to repay court order

We began paying this monthly amount and heard nothing until 9 October 2009 when we received a letter saying that the claim had been trasferred to XXXX County Court to deal with the claimant's application for redetermination.

 

5 Repayment

We have now started our DMP.(papers enclosed)

MBNA were invited to be on our DMP but they refused.

 

 

6 Conclusion

I believe they acted unfairly by immediately initiating legal proceedings and continuing to add interest and charges when they had our budget and expenditure details.

 

As you can see we are trying very hard to clear our outstanding debts and at this moment cant not afford to pay more

We ask the court to formalised the original decision and we seek an order to continue the payment as set down by that judgment

.....

 

i make this statment in letter form for the courts consideration

 

your name and sign

 

 

Link to post
Share on other sites

lilly white, thank you so very much for all your help, advice and tips.

I never would have thought to number each part, it makes it look so much more tidy and easy to read!

 

I will be sending our DMP information to the court with this letter.

I will also be sending our DMP info to MBNA's solicitor Restons.....but can I just check something?

This letter to the court manager is just for the court right?

 

Or should I also send a copy of this letter to MBNA's solicitor? I am of course sending our DMP information to them so they cant plead ignorance about our DMP but I'm not sure about this letter for the court?

 

Many thanks.

Link to post
Share on other sites

A little follow up, the CCCS told me today that I do need to send a copy of this letter to Restons as well as the Court Manager so they can't plead ignorance in court.

The thing I was wondering was that we havent received anything from Restons regarding why they took us to court in the first place, we know they want their money, but what is their case for trying to get more from us in this redetermination? My husband would rather just send them our Debt Management Plan information only and send the above letter to the court only.

 

Are we not entitled to see their grounds for their appeal? We havent received anything apart from the redetermination date at our local court whereas by sending them the above letter they will see our grounds for defending....if you see what I mean! :confused:

 

Many thanks again for any advice, much appreciated.

Link to post
Share on other sites

A little follow up, the CCCS told me today that I do need to send a copy of this letter to Restons as well as the Court Manager so they can't plead ignorance in court.

 

yes

 

 

 

The thing I was wondering was that we havent received anything from Restons regarding why they took us to court in the first place, we know they want their money, but what is their case for trying to get more from us in this redetermination? My husband would rather just send them our Debt Management Plan information only and send the above letter to the court only.

 

Are we not entitled to see their grounds for their appeal? We havent received anything apart from the redetermination date at our local court whereas by sending them the above letter they will see our grounds for defending....if you see what I mean! :confused:

 

Many thanks again for any advice, much appreciated.

 

i will post a witness statment which was used against these people for

summary judgment have a look will give you pointers

 

 

Link to post
Share on other sites

Many thanks lilly white, my goodness, the legal jargon is quite hard to understand!

 

My husband rang the CCCS again today and we have now had conflicting advise. They said today that we dont need to send the letter to the judge to Restons, just our DMP information which includes budget and expenditure.

:confused:

For us newbies to this rocky road it is sometimes so hard to know what to do for the best!

They also said I can send it at least 7 days before so I have a few more days before I need to get it in the post.

Link to post
Share on other sites

  • 3 weeks later...

Hello there,

 

Please can anyone advise as to the sorts of questions we may be asked in a redetermination hearing which will last approx 10 minutes?

Just want to prep my husband so he is ready.

 

Basically he has a CCJ against him by MBNA/Restons.

The court ruled last August of the monthly payment he needs to make, all has been going well, he has been paying monthly but MBNA have now gone for a redetermination hearing presumably because they want more money.

We sent all our paperwork to our local court last week, budget/expenditure/details of our debt management plan we are on with the CCCS plus a covering letter outlining the events of the last 18 months with MBNA.

 

In a 10 minute hearing are there likely to be any questions the Judge could ask my husband? (our paperwork was very concise, clearly stated etc)

 

Many thanks for your time.

Warm Wishes.

Link to post
Share on other sites

Have a look at the links below on Charging Orders and what grounds you may oppose them -

 

Insolvency Helpline

 

National Debtline

 

If Restons have applied for a Charging Order when your husband has been paying the specified amount then Restons are in for a very nasty shock as they should not be doing this.

 

Ther case law for this is Mercantile Credit v Ellis in 1987 - Charging orders in the County Court

Edited by supasnooper
typo

 

Link to post
Share on other sites

Well we just got back from the hearing, it was just the Judge and me and my husband.

MBNA/Restons didnt even turn up.

The Judge kept saying sorry, but he said he has to rule 'judgement forthwith' even though he knows that we dont have the money to pay in 14 days and he knows that we have been paying the previous judgement every month since September 2009.He said he was sympathetic but he has to do this and MBNA will now move to the next stage.

I am devastated really, I feel this was too harsh. I'm thinking of the worst thing and it's making me feel sick.

 

Should I post somewhere else on the forum, meaning start a new thread?

The Judge said we will get the paperwork in the post and then we just need to follow the instructions but to make sure we ask to have it in our local court if it is somewhere else.

 

If anyone could get me out of this 'doom and gloom' feeling I have at the moment, I just cant think clearly. I knew we had a good defence but the Judge didnt seem to take notice of any of it. He even looked at all our debts and kept saying that we I am sure he passed judgement by looking at the whole picture instead of just focussing on this one alone. Can he do that????

Sorry, thinking aloud and slightly stressed!

Thank you so much

Link to post
Share on other sites

I'd be looking for a reason to set aside the Judgment.

 

It will be interesting to read of the Judges reasoning as to his decision for a Forthwith judgment.

 

You may wish to apply for redetermination yourself under CPR 14.13

 

Template letter below, it may need some amending though to suit your case. As far as I know you have 14 days to apply for this

 

 

http://www.consumeractiongroup.co.uk/forum/show-post/post-2146857.html

 

 

 

 

A few things for you to ponder on.

Edited by supasnooper
added info

 

Link to post
Share on other sites

Thank you supasnooper!

 

My brain is working overtime now, I am so tired from waiting for today to come, then shocked by the result and now I have to get the strength back to fight this further.

 

I keep trying to make sense of it all.

 

1. We have been paying the monthly instalments set by NOrthampton Court since September 2009, on time.

I'm just thinking aloud here.....trying to make sense of it!

2. MBNA went for a redetermination hearing which was today. The Judge said that the monthly instalments we are paying are ridiculously low and not acceptable and he has no choice but to decide a forthwith judgement even though he knows we cant pay the whole thing in 14 days.

 

3. He commented that MBNA werent even there.........but that it would make no difference.

 

4. He kept saying sorry, we are good decent people and he can see that we are doing all the right things to sort our debts out but this is what he has to do and that we must get legal advice.

 

That is it in a nutshell.

The total debt is a bit over 14K of which about 5K is interest and charges in the last 18 months alone since they stopped the use of the card.

 

He kept referring to our DMP and the other creditors we have and amounts we owe.......could he have based his decision on that too.....should he have......it makes me mad now to think about it.

 

My husband has had this card since 1995 but then some years later they reissued a new card, new number and I think, a new account, he cant remember what he signed for either.

We asked for details of all interest and charges on the account since it was opened but they only went back a few years, not 1995. We havent done anything about that yet, we only got that back last week.

 

I will have a read of your links and have a think, I really want to be ready for when the letter comes about the interim charging order which I think the judge said could happen next.

 

Many thanks again for writing, you made me feel a bit better and gave me a bit of strength to not give up!

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...