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    • Yeeeeees! Well done on your victory!  👏
    • Hearing held today in court. I attended in person and Evri had an advocate attend on their behalf to defend their position that my contract is with Packlink and not with them. I also provided a copy of Evri's terms and conditions which explains that a contract is entered into when a parcel is sent with Evri. The judge pointed this out to the Advocate and agreed there is a contract between me and Evri under the Ts and Cs. The judge explained that while Packlink are responsible for organising the delivery of the item, it is Evri who are responsible for handling the goods and delivering them, and therefor Evri has a responsibility to handle the goods with reasonable care and skill. So am pleased to say the judge found in my favour. Hearing lasted about 75mins. Evri has been ordered to make payment within 21 days. Also nice to meet @jk2054 in person.
    • Good morning,    I just wanted to update you on the situation.    I have visits piling up with my current employment and they need doing before I finish at the end of this month.  I am moving to Wiltshire in 3 weeks for a new job helping care homes with their Dementia patients. I tried to work it out and at a guess I will be doing about 20-25,000 miles a year. So need a vehicle that can cope with that mileage, my old car would have done it easy but 🤷‍♂️ I have taken out a loan and got a friend to find me a reliable car that can cope with the miles and hasn't been written off in the past.   I phoned Adrian flux to see if I could use the last months insurance on a new car I have bought, the girl I spoke to phoned Markerstudy and asked them but they said no, my new car doesn't have any modifications.    I had an email from someone who saw one of my appeals for information, they live near the site of the accident and know a nearby farmer who has a security camera at his entrance that catches the traffic and specifically registration plates as he has been robbed before. They said they would reach out for me and see if he still has the data. Unfortunately it wont catch the scene of the crash.   The Police phoned me and said they were closing the report I made, even if they found footage of the vehicle at the time I said the actual incident would be my word vs theirs.  My first response was I am sure google maps would show that they turned around at that location which would verify my version of events, but upon reflection I do understand, I have seen people doing make up with both hands while driving, eating from a bowl steering with their knees and veering all over the place. I am sure some of these people go off the road and claim that someone forced them off.    Markerstudy phoned me yesterday to say that my car is now at Copart, the £80 tank of Vpower diesel was emptied on entry to the site for safety reasons, which I get but it sucks.  It is awaiting being assessed and shouldn't be too long, which is a relief.  I am really glad things do not seem to be going the way of the other stories and they seem to moving quickly.   However I was informed that my car was a structural write off before I bought it - this destroyed me, I was almost sick.  and this is going to affect any offer of money - after hearing the first statement this didn't affect me.   They need to wait for the assessor to check it over but it is highly likely to be written off and the maximum they can offer is £2300.  I was desperate for a car as I was working for an agency at the time, no work no pay, and did not do a vehicle check because I didn't know about them.  The seller did not tell me that it had been structurally written off, he told me that it had the front wing damaged while parked and was repaired at an approved repairer.  Markerstudy records state that it was sold at auction, no record of repair at an approved repairer.  I bought it bank transfer with hand written receipt.    It gets worse.    It turns out my airbags should of gone off. For some reason they are not working. I think we can figure out why.  If I had hit that car head on and had no airbags.    Some good news.    I can arrange a time with Copart to go and take my stereo equipment and any personal items that are left in the car only. I cant live without music and need quality sound, my speakers and amps are Hertz and JLaudio, (no I am not a boy racer with booming subs, I am an audiophile on a budget) I was really worried I wouldn't get them back so this is a huge relief for me. It is stuff I have built up over years of saving and collecting. Everything to do with the vehicle and mods I have declared need to stay to be assessed.   The accident has gone as a fault on my record, I have to remove 2 years NCB which means I still have some to declare which is good.  So it appears at this point that it may be resolved quickly, not in the way I was hoping, but not as bad as I presumed it was going to be based upon that tow truck drivers attitude and behaviour and the horror stories I read.   I am not going to buy the car back and try to make money with all the parts on it, I don't have the time or energy.   I may need an xray on my back and neck.  The whole situation has left me feeling physically sick, drained and I need it done.   The lesson learnt from this  -  My conscience is 100% clear, my attitude to safety and strong sense of personal responsibility - A rated tyres even if on credit card, brake fluid flush every year, regular checks of pads and discs, bushes etc, made avoiding what I believed to be a certain broadside collision possible.   Get a dashcam (searching now for the best I can afford at the moment)  -  Research your insurance company before you buy  -  Pay for total car check before you go and see a car and take someone with you if you are not confident in your ability to assess a vehicle.      Thank you to everyone here who volunteers their time, energy and information, it is greatly appreciated.  You helped my sister with some advice a while ago but we weren't able to follow through, she is struggling with long term health conditions and I ended up in hospital for a while with myocarditis, when I got out and remembered it was too late.  I am going to make a donation now, it is not a lot, I wish I could give more, I will try to come back when things are on a more even keel.    Take care
    • It seems the solicitor has got your case listed for this “appeal” but not for the Stat Dec(SD). You need to ensure you can perform your SD on the day. If you are able to make your SD in court, the situation you are in now is more straightforward than if you made your SD via a solicitor. You have been convicted of two offences (and two were dropped) via proceedings of which you were not aware. The way to remedy that is to perform an SD. No appeal is necessary (nor is it available via the magistrates’ court). If you are able to make your SD this is how I see it panning out: You will make your SD to the court. The court must allow you to make it as it will have been made within 21 days of you discovering your convictions. You will then be asked to enter pleas to the four charges again. At this point you should plead not guilty to all four but make the court aware that you will plead guilty to the speeding charges on the condition that the FtP charges are dropped. The prosecutor will be asked whether or not this is agreed. In my opinion the overwhelming likelihood is that it will be. If it is you will be sentenced for the two speeding offences under the normal guidelines. In the unlikely event it is not accepted,  the speeding charges will be withdrawn (they have no evidence you were driving). You have no viable defence to the FtP charges and so should plead guilty. This will mean 12 points and a “totting up” ban (as you have already suffered). You can present an “Exceptional Hardship” argument to try to avoid this (explained below).   Because of this, I don’t see any need to make an argument to ask to have any ban suspended (pending an appeal to the Crown Court) unless and until you are banned again. The only reason I can think the solicitor suggested this is to secure a (Magistrates')  court date. I was surprised when you said you had an appointment so quickly; a date for an SD usually takes longer than that. However, if you can use it to your advantage, all well and good. I can’t comment on the argument that the two speeding offences were committed “on the same occasion” as I don’t have the details. That phrase is not defined anywhere and is a matter for the court to decide. It’s an interesting thought (and only that) that such an argument could equally be made for the two FtP offences. If the requests for driver’s details arrived at your old address at the same time, with the same deadline for reply, it could be argued that you failed to respond to hem both “on the same occasion” (i.e when the 28 days to respond expired) and so should only receive penalty points for one. Hopefully you won’t need to go there. I think you have information about avoiding a “totting up” ban. But here’s the magistrates’ latest guidance on "Exceptional Hardship" (EH) which they refer to: When considering whether there are grounds to reduce or avoid a totting up disqualification the court should have regard to the following: It is for the offender to prove to the civil standard of proof that such grounds exist. Other than very exceptionally, this will require evidence from the offender, and where such evidence is given, it must be sworn. Where it is asserted that hardship would be caused, the court must be satisfied that it is not merely inconvenience, or hardship, but exceptional hardship for which the court must have evidence; Almost every disqualification entails hardship for the person disqualified and their immediate family. This is part of the deterrent objective of the provisions combined with the preventative effect of the order not to drive. If a motorist continues to offend after becoming aware of the risk to their licence of further penalty points, the court can take this circumstance into account. Courts should be cautious before accepting assertions of exceptional hardship without evidence that alternatives (including alternative means of transport) for avoiding exceptional hardship are not viable; Loss of employment will be an inevitable consequence of a driving ban for many people. Evidence that loss of employment would follow from disqualification is not in itself sufficient to demonstrate exceptional hardship; whether or not it does will depend on the circumstances of the offender and the consequences of that loss of employment on the offender and/or others. I must say, I still do not understand what the solicitor means by “As a safeguard we have lodged the appeal and applied to suspend your ban pending appeal due to the time limit for being able to automatically appeal without getting leave of the Judge.” When they speak of “leave of the judge” I assume they mean they have lodged an appeal with the Crown Court. I don’t know what for or why they would do this. It seems to follow on from their explanation of the “totting up” ban. If so, I’m surprised that the Crown Court has accepted an appeal against something that has not yet happened. But as I said, i is no clear to me. Only you can decide whether to employ your solicitor to represent you in court. If it was me I would not because there is nothing he can say that you cannot say yourself. However, I am fairly knowledgeable of the process and confident I can deal with it. That said, I do have a feeling that the solicitor is somewhat “over egging the pudding” by introducing such things as appeals to the Crown Court which, in all honesty, you can deal with if they are required. I can only say that the process you will attempt to employ is by no means unusual and all court users will be familiar with it. I can also say that I have only ever heard of one instance where it was refused. In summary, it is my view that it is very unlikely that your offer to do the deal will be refused. If it is accepted, you may be able to persuade he court that the two speeding offences occurred "on the same occasion" and so should only receive one lot of points. Let me know the details (timings, places, etc) and I'll give you my opinion. Just in case your offer is refused, you should have your EH argument ready. Whether it's worth paying what will amount to many hundreds of pounds to pay someone to see this through is your call.  Let me know if I can help further.    
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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.

      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
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Advent Computer Training (Barclays Partner Finance)Info and discussion thread


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As I have said many times-Barclays are not credited with the art of resolving customer dispute issues to customer satisfaction-they will fight tooth and nail to say you are wrong and have no cause for complaint.

Of couse most can be forgiven for thinking that such a great British institution could never dent its home base-except you should know that Barclays is no longer the friendly bank that we thought.

Its interest and indeed shareholders are global-it is now as much British as Cadburys or Beechams of couse we use them but only because we have grown up to trust them.

So keep everything like they do-with no scruples.

Those victims (and I say victims because it is very descript)

who can clearly show dispute on the basis of contractual issues or duty of care,are within their rights to formally put their accounts into dispute forthwith and cease further payments pending getting resolution from Barclays.

This will mean putting them on notice of that in writing.But the reasons for doing so will need to be just and outlined clearly.

Of course they will be more quicker to respond than we have seen in many instances.

Organisations like Barclays are not where they are because they have agreed with their customers complaints.

Lets remember they are pretty ruthless and will not roll over-any Barclays claimants from the last 4 years from the CAG will tell you this.

But they are not above the law and not exempt from reproach-just remember that too.;)

I dont want to say too much which will give Barclays any upper hand,but will be responding to those who have asked for help by way of the red triangle.

Theres 100 now so please be patient-I guess it will take a couple of days to go through.

Edited by MARTIN3030

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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Hi Martin.

 

I forgot to send my complaint letter & request for a copy of credit agreement to BPF by registered post. Do you think I should send another one immediately or wait the 14 days first? :confused:

 

For the sake of £1 for the fee and £1.something for recorded delivery I personally would send again.

 

Lets be clear-they will not be in any hurry to send it if you cant prove that you sent it.

 

For clarifacation to others-Under the Consumer Credit Act there is a stat fee of £1 for a lender to provide you with copies of documents you are entitled to see under your agreement.

This not only covers a copy of the actual agreement-but can iclude a statement of account history showing payments / interest etc.

Postal orders are ok for this.

Make it clear that this £1 is being sent for the request and should not be used for any other purpose ie;for arrears.

You should also be aware of sending your sig.

We advise printing your name or else using a digital sig.

Always send recorded and keep a copy.

Make sure that it is also sent to the right address.

For a request under CCA it should be their registered offices.

For a SAR it needs to go to their data controller.

The addresses are available on public registers accessible on the internet

For SAR that can be found on ICO website

For CCA can be found via Consumer Credit licence public register.

 

http://www.ico.gov.uk/ESDWebPages/search.asp

 

 

http://www2.crw.gov.uk/pr/Default.aspx

Edited by MARTIN3030

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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"You should also be aware of sending your sig.

We advise printing your name or else using a digital sig."

 

OMG I never thought of that!! :eek:

 

Thanks Martin for the speedy help - I'll re-send tomorrow by registered post.

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No problem-keepus posted.

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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I also need a template letter to write to Barclays with..

 

I am not sure what to write and dont want to put something in writing that could mess up my complaint

Thanks

 

such templates has been posted recently so take your time and check previous pages ;)

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I also need a template letter to write to Barclays with..

 

I am not sure what to write and dont want to put something in writing that could mess up my complaint

 

if you pm me with your email address i will send you a letter.

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got my letter from bpf sat they said my complaint would be resolved by the 14 april. don't hold out much hope on a refund been given probably will be a letter saying they have fullfilled the contract if you do not agree contact fos.

 

Hi Mantaxi

They seem to just be keeping sending letters saying we hope to have this resolved by the next date. I've had 3 letters one dated 1st march ,15th march and 28th that one saying he expects to have the complaint resolved by 12th april and telling me to refer the complaint to the FLA they don't have a solution and I think they're snookered. but will fight to the bitter end.

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hi guys fuzzbutt is having probs replying as he keeps maxing out his email account so he is limited to how many he can reply to but he will when he is allowed to email again, so bare with the the guy he will reply to you asap

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Hi everyone

 

Apologies if you haven't received a personal reply yet but, yes, hotmail only allows so many a day and I've had over 300 replies now, between here and the Facebook crowd.

 

Rest assured you'll go on the list as the emails over the past 4 days have all been saved but time-wise it's proving an impossible task to get back to everyone individually so I won't be doing that any more.

 

I've been in contact with our lawyer and we discussed that I set up a blog site for all the ex-Advent students where bulletins, advice and guidance from them, can be posted. I'm in the middle of doing that. There will be a small form to fill in with details they'll need from everyone such as how much your loan was, who it was with etc.

If anyone is reading who had a loan from Anglo Capital or Hitachi please pm me. Thanks. The lawyers will need to see a sample agreement with those companies to see if you can be included along with the BPF people.

 

I can't give legal advice obviously as I'm not qualified (for those who have contacted me with questions), please realise I'm just the co-ordinator.

 

Thanks. :)

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Hi Mantaxi

They seem to just be keeping sending letters saying we hope to have this resolved by the next date. I've had 3 letters one dated 1st march ,15th march and 28th that one saying he expects to have the complaint resolved by 12th april and telling me to refer the complaint to the FLA they don't have a solution and I think they're snookered. but will fight to the bitter end.

 

 

This is a requirement under FSA complaints handling guidelines.

An organisation dealing with a complaint HAS to send a letter every 14 days until its resolved or the 8 weeks are up and then must give a final response.

 

The FLA of course represents THEM-just as the BBA does with the banks and the CSA does debt collectors.

So their interests are shall we say a little vested.

Although subscribers to any codes of practice laid down by the FLA would be in breach of CPUT if they were found to be in non compliance of codes they were expected to be upholding.

Edited by MARTIN3030

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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Martin

A few people have asked for a template letter Cashins originally worded this letter I have modified it if it is suitable to send please comment.

A WARNING to anyone using it if you threaten to take legal action you must follow through

Plus could I also add in I now consider this account in dispute.?

 

Account number

Default Notice

 

Dear/Sir Madam

 

Following the closure of Advent Consulting Ltd, you have failed to honour the terms of their contract for which you are jointly and severally liable under S75, Consumer Credit Act 1974.

 

Specifically, you have failed to find a suitable alternative training provider capable of fully assuming the functions specified in the Advent Consulting Ltd contract.

 

To remedy this breach you must, by ...Insert Date...

The training provider does not fully fulfil the terms of the Advent Consulting contract therefore I request you, cancel the above credit agreement and refund all payments made.

 

In the event of you failing to remedy the breach by ...Insert Date.. legal action may commence under S75, Consumer Credit Act 1974, with no further warning.

 

Yours faithfully

 

Yes this is ok to address the section 75 recourse where it is applicable.

The letter I have been working on includes other things and the complainant would remove sections that dont apply before sending.

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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Hi there I havre been following this forum for quite some time noew as Iam in the same boat as all of the rest of you I have emailed Fuzzbutt and am very aware that he is obviously having to go through alot of emails, but just to let you know I think your doing a stand up job.

Also Martin would it be possible for you to email me a copy of that complaints letter template that I can edit and send off please it would be much appreciated.

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No dealing by phone takes away your powers and you are left with no record.

These things need to be done in writing and sent with proof of postage and delivery.

They know then that they have to look at it.

Especially if you put them on notice that you will take it further.;)

 

Have you got proof that you was trying to cancel since December ?

 

unfortunately no :( i 1st rang them before any of this started, and tried writing to barclays once to cancel, of which i have a copy of the letter

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I'm due to start making payments on the 16th April 2010.

 

Can anyone advise how to approach barclays in means of a letter to keep the payments delayed?

 

Should i just keep the direct debit cancelled and let them put charges on the account?

 

I will not be paying them, I'm looking for the best way to go about it.

 

Thanks

 

hey DjOneel

 

im due to start paying on 1st may, what have you done regarding payments?

Edited by wasabi project
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Hi all, haven't posted for a while, but just had a 45 page email from PKF detailing their involvment and the whole situation. I'm sure others have also recieved this and the part I'm most interested in is in the FAQ's section which some may have seen on the website, but anyway, it says, "What if I don't want to continue my training - how do I get my money back? Answer: Clearly, any student is entitled to cancel their training at any time. However, how you paid for your course fees willl ultimatley determine your right to recover monies previously paid. BPF Students seeking to recover monies previously paid and/or to discuss any outstanding finance balances should contact Barclays Partner Finance".

 

Well I think we all know what we get if we call BPF to discuss this, but the administrators seem to believe the same as us - we're entitled to our money back.

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