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    • Unsure what would be classed as appeal I first contacted the applicant then IAS. I am not aware I could appeal again as Bank state I was informed that is news to me. I would have to look through the paper work, I apologise I forget so much due to my caring duties wish I had quality time to get so much done. Will try and look tomorrow, appreciate everyone's time and input.
    • 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
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cityredgirl v Welcome Finance


cityredgirl
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well atleat its only £50.

 

now we need to review the whole thread.

 

in some of your first images you've left names and the account number.

 

get them blanked out.

 

you have also been charged intererest as listed claim that back

you've been charged ad-hoc fees and other 'fees' claim those back.

 

pers if it were me

i'd do those on a spreadsheet

and the ppi again on a spread sheet.

 

post it off and cancel your DD

stating you have paid more than your initial amount.

 

you really need to get postggj on this.

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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post 53 post!

http://www.consumeractiongroup.co.uk/forum/welcome-finance/250335-cityredgirl-welcome-finance.html

its pants!

 

look at the payment statements too!

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Hiya guys im at work until tomorrow afternoon, i will have to try and get the agreements(Minus my personal details ;/) scanned at weekend at the in laws. Im so grateful for the advice and help and its sounds daft but i have got Dyscalculia(Number dyslexia) and have always struggled with understanding math and figures :( Hence why i keep asking for advice.

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ok then

 

how do you want to play this

 

dx it correct

 

that agreement is total pants and totally unenforceable on all counts

 

So looking at it do you think welcome will see that they have screwed up and thats why its taking so long to reply to my complaint. I knew the numbers didnt add up but i was so bamboozled by it all i just didnt know how to make sense of it.

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ill do a report for you as to why the agreement is total pants over the next few days

 

welcome know these early agreements are crap and playing on your inexperience

 

i can end welcome for you on this

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ill do a report for you as to why the agreement is total pants over the next few days

 

welcome know these early agreements are crap and playing on your inexperience

 

i can end welcome for you on this

 

 

Thank you so much this means a lot to have such great support. x

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sorry had to go out to a shout.

now thats better,

i must admit i should have spotted the pants agreement earlier and called in the troops , you've been on here months i'd never bothered looking.

 

 

you're in good hands now

 

just sit tight and wait a few days, post is alays very busy.

 

i'd cancel the DD and it might be an idea to alert your bank to not pay them if they try and be crafty and draw it direct via your card details if they have then too.

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

sorry had to go out to a shout.

now thats better,

i must admit i should have spotted the pants agreement earlier and called in the troops , you've been on here months i'd never bothered looking.

 

 

you're in good hands now

 

just sit tight and wait a few days, post is alays very busy.

 

i'd cancel the DD and it might be an idea to alert your bank to not pay them if they try and be crafty and draw it direct via your card details if they have then too.

 

dx

 

Hi Dx ,many thanks for the advice, I have cancelled the DD and will inform my bank that they may try and take it from my card, (Can they legally do this?) Also should i inform Welcome in writing that i have cancelled my DD, until they resolve my dispute/complaint many thanks.

CRG

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i'd leave that to GG to decide

i would think the broadside coming their way will explain it to them.

 

the agreement is nothing but a licence to fleece you and always has been.there's nowt they can do to you now

barring you getting everything back i would think.

 

watsh this space

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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HI Dx have you had chance to summarise the agreement? Thank you, I have also sent a letter informing Welcome of my DD Cancellation due to their consistent poor communication and failure to respond to my complaint etc. Whats the chances i will recieve a warning letter on the 16th after my DD bounces back to the smug gits! By cancelling the DD am i getting myself in murky stuff or will welcome just want to get rid of me and pay up what they owe me?.

Also on my agreement copy (Its not the original,) My signature was not witnessed by anybody and in the terms it say's "Customer signature has been witnessed, and signed at welcome offices" etc. Thank you

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ping post ggj

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

ill do a report for you as to why the agreement is total pants over the next few days

 

welcome know these early agreements are crap and playing on your inexperience

 

i can end welcome for you on this

 

;) Thank you x Im looking forward to some interesting reading,

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well, well, well UPDATE!!!

 

Recieved a phone call from the number 08454564877 10:26am

 

I answer "hello is this Miss.... Its Matthew here from Welcome Finance, Why have you not paid your monthly payment?" excuse me Matthew you are not to contact me by phone i request all corospondance in writing".. He continues well you should now that your direct debit has bounced and we have added a charge for this and more charges will be going on your account for as long as you dont make a payment and you will be charged for this phone call, your current balance stands at £1,116. So i hope you have put money aside for this, I said excuse me but i have it in writing that you are not to contact me and i have INFORMED welcome of my cancelled DD and Dispute in writing.He said i should of contacted them by telephone before cancelling He said that my monthly repayment is £146.69 and i have only been paying £50 pmnth, i was getting pretty angry at this point and informed him that this payment has been a longterm agreement. He was getting very sarcastic and told me that i better have a solicitor because once my ppi complaint has been resolved i will be back on the phone in a month crying because i cant pay and that he hope's i havent spent my money already and been putting money aside. He said that my ppi complaint is nothing to do with the payment team . At which point i said send it in writing and slammed the phone down!

 

Where do i go from here? Why after atleast £250 being paid is my balance still higher than when i opened my dispute. What happens now :( Im so annoyed, no actually im livid :/

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no you stayed on the phone and listened to the drivel

 

ignore them

 

all those 'charges' can be reclaimed too

so no sweat.

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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no you stayed on the phone and listened to the drivel

 

ignore them

 

all those 'charges' can be reclaimed too

so no sweat.

 

dx

 

Dx, I know what you mean,(And i was woken up by the phone call!) The bleeding cheek though but oubviously i cant help having a wobble about it, i Just dont want to be in a worse position than i was, but as always im grateful for your assistance. I cant believe how long this has been dragged out and they continue to fail to respond to my complaint. Thank you shall i pop off another complaint at the weekend? x

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They should no longer be charging for phone calls any more this was confirmed by compliance on friday. Not one person in welcome seems to know what they are actually doing they can not anwser any question i seem to be asking and every different department u seem to get past to have a different figure for what i owe them.

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ignore them!

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites

I was discussing this with my fiance this morning and they have a real issue or should i say worry that im punching into thin air and that i could be in a worse position financially, if i don't have a strong enough case,to win my complaint i have assured her that im in good trusting company on here.I know that they have robbed me blind for the last 5 years and any decent judge will tell welcome they have had enough from me and more. On the other hand Can somebody please help me look at my agreement and summarise the why's and errors on my account so i can strenghthen my case or at least give myself some cold hard comfort. ;) Thank you x

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post will be around over this w/end

 

or ping him.

 

you've nowt to worry about, the agreement is pants

so are the charges.

sit tight

 

dx

  • Haha 1

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

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