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


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For some reason I dont always get notified of new postings, missed loads of new posts..

does anyone else have this problem?

I think you only get 1 email, for a new post and if you don't check the forum after that email you get no more emails until you have next checked the forum. Stops the forum spamming you with potentially 4511 emails about a new post ;-)

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Hi Fuzz,

 

Can you clarify this with Ingrid as there is number of us which are sponsors, but under the impression that we are included in the class action?

 

Regards,

Juicey

 

I've just emailed Ingrid to clarify, Juicybuns. You're not the only one worried about this I gather.

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I'm a sponsor case and I'm a bit frightened of what Ingrid could say about it! Just, it wouldn't be fair, after all this time of waiting and hoping for something from the legal team / class action. Months ago, I remember being directed to Fuzzbutt to take part in the class action. I didn't need to pay for a lawyer, I've already paid (or going to pay) enough. In Sept my brother is due to start paying with interest,on my behalf, and he keeps asking me about this all situation. I have no serious job (I haven't been helped yet by Advent to get a job and so start paying) and I haven't got all that money. BPF should check that there's no Database Administrator or Web designer degree with my name on it. I don't have a £5400 or so a year so it can claim £12000 for the training they paid for. It's them who paid, it's them who withdrew the funds, it's them who considers us puppets to decide on our behalf, it's them who ignore the law. I'm angry because the people still don't know/don't care about this/about us!

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Hi All

Just had two unsealed letters from Mercers telling me I am in default and I am in breach of clause 2 of my credit agreement.

 

and if I dont pay before the date shown then they will terminate my agreement and demand payment of full amount.. there is no date shown on the letter except the date they wrote the damn thing 4 days before?? :confused:

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I got the same two totally unsealed letters from Mercers 10pack. Likewise no date yet they say to pay off the outstanding balance before the date shown. Unbelievable.

Phoned BPF a wee while ago and mentioned everything that was going on, the guy wasn't a d**k but was obviously new.

I'm also just about to post another letter, this time with as much of the CCA as I can find that applies. i.e. sections 11b, 12b and the all important 75 that due to Hogan Lovells letter they now say applies. Lets see how the wriggle past this one.

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hi all im getting phone calls and voice mails from mercers no letters yet though ,i plan on sendin in a letter also along with a copy of the letter from hogan lovells as proof that section 75 applies and ask for my money back and cancellation of the agreement!I'd like to see how they wriggle out of this!

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yes I also will not pay..

a while back due to a misunderstand with my local gym i was threatened by their debt collection agency.. they actually wrote they would apply for county court to get their money.. it was all a misunderstanding.

 

so from this I look at what barclays are doing and see.. no court threat.. so by this I feel they know they are on very dodgey ground and are just trying to scare us with all the legal crap.. its been months now.. if they was really serious then they would have taken us to court by now.

Edited by 10pack
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also those of you getting these letters from mercers.. I have been advised by consumer direct that we should write a letter to mercers recorded delivery.. explaining that the acount is in dispute even if barclays dont think so.. if they ignore this then I was told to get back in touch with consumer direct.. they will get trading standards onto them.

I asked him if he was aware of what was happening here.. he said yes they had contact with others.. and have read/seen on news about advent.. they are taking keen interest in this.

 

So dont let the bastards get to you

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just got 2 letters from mercers through the post also gonna have to write them a letter 2!

 

did you notice that they were left deliberately open with "debt collecting agency" for all to see..

who writes letters and does not seal the envelopes??

 

I think they are not allowed to do this its harrassment

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quite agree, my dad is the sponser, can't see what difference it makes as hes paid for me to recieve the goods and the company went bust so no goods. how can it be that the person who has paid the money have no say when things go wrong?

 

I agree. After all, if you bought a service or goods and then gave it to someone else as a birthday present, say, and it was faulty or the service was bad then there would be comeback surely under consumer legislation?

And (though I'm no lawyer!) I'd also go with what people are saying that a sponsor/guarantor should be able to get a refund due to mis-selling if nothing else...I'l post more as soon as I know more on this.

 

:confused:

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also those of you getting these letters from mercers.. I have been advised by consumer direct that we should write a letter to mercers recorded delivery.. explaining that the acount is in dispute even if barclays dont think so.. if they ignore this then I was told to get back in touch with consumer direct.. they will get trading standards onto them.

I asked him if he was aware of what was happening here.. he said yes they had contact with others.. and have read/seen on news about advent.. they are taking keen interest in this.

 

So dont let the b*****ds get to you

 

Good for you, 10pack. Be interesting to see Mercers reaction to that! Trading Standards were very good in my complaint about Barclays but they received the bull crap fob off letter too from Paul Noble, the MD they wrote to personally. That amazed me..not just try and con your customers but lie your way around official bodies like TS and FOS...boy, Barclays are something else!

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There is an argument to be had regarding the interest charged.

I have read somewhere in this thread (dont ask me where lol) that people have had loans with 0 % interest.

When people have argued this, bpf have changed their loans to 0 % interest.

Not saying this is solves any issues regarding bpf being a bunch of robbing s**ts, just eases peoples money burdens.

I am going to argue this as it would mean that I only owe £1015 (although they owe me £4000 in reality) and anyone on these 0% interest with any info to help others get there loans switched would be greatly appreciated.

 

Hausfeld's first letter states...

 

"We note that in a number of loan agreements, the APR charged by BPF was 29.8%. In other similar loan agreements, the APR was 5.91%. We have seen no evidence that these charges for credit were individually negotiated (or if they were, on what basis). We are also not aware, to date, of any obvious reason for the disparity in treatment. Furthermore, in the circumstances, we believe that a court would find an APR of 29.8% to be unfair within the meaning of section 140A of the CCA 1974."

 

But I've also seen people state here and on FB that they were given a 0% interest loan (though I can't imagine that Barclays or any lender come to think of it would do that). I'm guessing here that the posters got confused and were actually given an interest free loan for a limited period, as I was, for a year only. THEN the 26% interest would have kicked in but I'd paid mine off from savings before the year was up.

There's usually a catch to an interest free loan in that you get snagged by BIG % interest once that honeymoon period is over. I calculated I'd be able to pay it back before that deadline. I think Barclays/Advent were counting on many not being able to repay in that time limit but were happy still to lend to people desperate to borrow in order to try and get a qualification and better themselves. The fact that BPF agreed all these unsuitable loans pushed through by the Advent salespeople without proper credit checks etc (they lent, afterall, to part-time workers who'd have been scraping pennies to pay back each month) shows how mis-sold it all was and greedy grabbing.

 

That makes what they are doing all the more despicable somehow. :mad:

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Any one else had a letter regarding account in dispute from BPF saying that...

"Our investigations will continue over the forthcoming weeks and we will be liasing with relevant authorities as appropriate to resolve this matter"

 

Change in attitude?

 

Also a section about the Gospel letter, and it is getting personal attention.

"In the meantime, i would like to clarify Barclays Partner Finance wholly rejects the content and sentiment expressed within the letter you received" :)

Edited by lowdown
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i too had two unsealed letters from mercers..they both dated 18th,july..since this day i haven't got any calls from bpf..i guess its now mercers turn to harass me.

 

10pack, i would like to follow your suggestion..but not sure how to format the letter. If anyone can help me in this matter, will be really appreciated..thanx.

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*snip* I'm guessing here that the posters got confused and were actually given an interest free loan for a limited period, as I was, for a year only. *snip*

 

No confusion at all fuzz. It states on the letter that the interest was calculated and included in the total amount. The loan I have is for almost £6k.

 

I'll send you an email with it attached (blanked out my details of course). I think I sent a copy to Hausfield already.

Edited by JuiceyBuns
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No confusion at all fuzz. It states on the letter that the interest was calculated and included in the total amount. The loan I have is for almost £6k.

 

I'll send you an email with it attached (blanked out my details of course). I think I sent a copy to Hausfield already.

 

Yea mines also 0%. 60 monthly payments of £82.50 total payable £4,950.00. Hausfield has a copy of this already.

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Hausfeld's first letter states...

 

"We note that in a number of loan agreements, the APR charged by BPF was 29.8%. In other similar loan agreements, the APR was 5.91%. We have seen no evidence that these charges for credit were individually negotiated (or if they were, on what basis). We are also not aware, to date, of any obvious reason for the disparity in treatment. Furthermore, in the circumstances, we believe that a court would find an APR of 29.8% to be unfair within the meaning of section 140A of the CCA 1974."

 

But I've also seen people state here and on FB that they were given a 0% interest loan (though I can't imagine that Barclays or any lender come to think of it would do that). I'm guessing here that the posters got confused and were actually given an interest free loan for a limited period, as I was, for a year only. THEN the 26% interest would have kicked in but I'd paid mine off from savings before the year was up.

There's usually a catch to an interest free loan in that you get snagged by BIG % interest once that honeymoon period is over. I calculated I'd be able to pay it back before that deadline. I think Barclays/Advent were counting on many not being able to repay in that time limit but were happy still to lend to people desperate to borrow in order to try and get a qualification and better themselves. The fact that BPF agreed all these unsuitable loans pushed through by the Advent salespeople without proper credit checks etc (they lent, afterall, to part-time workers who'd have been scraping pennies to pay back each month) shows how mis-sold it all was and greedy grabbing.

 

That makes what they are doing all the more despicable somehow. :mad:

 

no my loan was for 3 year interest free.. I signed up mid December.. got no training because I was out of the country until 18th January first payment came out of my account on the 15th of january.. I made 2 payments before I asked them to stop taking money from my account.. so I had paid two payments of £151.48

Mine was for three years interest free

Edited by 10pack
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Any one else had a letter regarding account in dispute from BPF saying that...

"Our investigations will continue over the forthcoming weeks and we will be liasing with relevant authorities as appropriate to resolve this matter"

 

Change in attitude?

 

Also a section about the Gospel letter, and it is getting personal attention.

"In the meantime, i would like to clarify Barclays Partner Finance wholly rejects the content and sentiment expressed within the letter you received" :)

 

Lowdown - can you please send a copy of this letter to Ingrid Gubbay (our lawyer)?

Could be a crucial confession! :roll:

Thanks.

 

PM me if you'd prefer. :)

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