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    • Thank you everyone!  thought to share some points from my experience in court today that may help others who are taking Evri to court: The judge sets out how the hearing will go and how each party should behave; while i was certainly feeling anxious/nervous ahead of the hearing (and I'm sure @jk2054 may have also observed this), the judge really does try to put any non-legal persons at ease; refrain from talking to the other party and instead speak to the judge if you have any questions/responses; the judge and the advocate spoke about tort of negligence - i wasn't sure how this applied to my case but the judge was questionning the advocate about this so i chose to stay out of this; the judge made reference to a historical case of Donaghue v Stevenson which established a duty of care; the judge observed that some of the points in Evri's witness statement by george wood needed cross examination but george was not present today for questionning; While i was claiming 8% interest, the judge pointed out that is the upper limit and that today, savings accounts give 4-5%. I therefore opted for 5% interest which was agreed to by the judge and the advocate; above all else, ensure you know your court bundle and have any notes to help you refer to specific sections - it helped me to structure my answers to the judge/defendant's queries, and point to specific evidence where i was asked to prove e.g., the value of the item. @honeybee13 - yes, will confirm when payment is received. I have emailed the Evri.claims email with my bank details and also provided them after the hearing to the advocate. @BankFodder message received and i am replying to it
    • Looks promising then.  Well done   Dx
    • So a little update.  I sent a complaint to ico and have heard nothing. I just got the general reply email and that's it.  Sat twiddling my thumbs and thought about what I should do next. I searched for the CEO of Studio but then found that he'd left so as keep getting letters from studio about the arrears etc. I thought I'd email the David Twigg. Sent him all the bumpft and a copy of my original complaint and sars request.  Got no response. So didn't know what else to do. Then I thought I'd try through the financial difficulties option on the online form. One last try before I just give up and let them default me.  Then on the 5th June. I got an email from their customer services. That the items that had gone AWOL have all been cancelled. Nothing else on that email, so I had a look in an email account that I don't use anymore and there was an email from the customer service.  That they were sorry for the problems I've had for the last 9 months. That the sars info was emailed to me on 14/04, it wasn't I've kept all spam and deleted emails on that account, they have raised a complaint with their studio pay team regarding the issues, balance dispute, fee's and my credit file. They are hoping to resolve in 3 days but they have upto 56. They also said in regards to my other issues I have to raise a complaint with studio retail but haven't told me how I do that.  The sars info only goes upto the end of December 2023. It has my previous complaints on there but nothing after so I don't know how I get hold of that information. Luckily I've kept copies of every time I've contacted them. Every web chat or social media contact.  Apologies for the extremely long post but I wanted to add everything I could just incase.  I have checked my account balance and it's still minus 900 odd pounds but I'll keep checking to see if it's all cleared and on my credit file.  I'm hoping this is the end of the whole debacle and they close my account because I never want to do this again. Although it's been a learning experience.  Thanks to dx100uk for pointing me in the right direction. Much appreciated.   
    • Fraudsters copy the details of firms we authorise to try and convince people that their firm is genuine. Find out why you shouldn’t deal with this clone firm.View the full article
    • If you want to cause DCBL trouble, then complain to the SRA.  It would be even more fun if mystic_bertie would complain at the same time, to show the SRA there is a pattern.
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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.

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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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sorry Andy,

all I have is a letter of asignment from the new owner and not the previous owner..and I asked for the deed so as to prove ownership of the debt...as the letter does not prove anything.

 

Johnny

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Fair enough Johnny if the DJ allowed the request good for you but a lot of Caggers do get them mixed up

 

Andy

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cheers Andy..I didnt want to come accross as if I were trying to tell you your job..after all i'm asking you for the advice feel free to correct me anytime..

I really appreciate your help!

 

Johnny

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  • 3 weeks later...

Hi Andy, hope you are well..

 

The docs that the Claimant has served are all faulty, the court has asked if I am happy with what the claimant has sent..

I said no..because of the dates on the docs they cant relate to the claim..

should I request the same docs again? or accept them and use them as defence?

i have to put it in writing to the court what I am unhappy with..not under order tho..

can I ask for proof of service of the DN and LOA?

 

 

Cheers.....Johnny

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Hi Andy, hope you are well..

 

The docs that the Claimant has served are all faulty,:D the court has asked if I am happy with what the claimant has sent..

I said no..because of the dates on the docs they cant relate to the claim..

should I request the same docs again? or accept them and use them as defence? If thats what they have no point as only duplicates will be furnished

i have to put it in writing to the court what I am unhappy with..not under order tho..

can I ask for proof of service of the DN and LOA? NoA Absolutely

 

 

Cheers.....Johnny

 

 

Regards

 

Andy

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  • 4 weeks later...

Hi Andy, hope you are well..

 

quick update.. sent in defence and i'm waiting of the outcome..meanwhile the dca has sent a statement of acc stating that the full amount due is arrears..

do you think this is a plot to try to misslead the court into thinking the amount claimed is arrears?

would they have to prove that the amount is correct?

 

 

Johnny

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Hi Johnny

 

Well whatever they claim, the statements, the DN, the Summons and any termination must read the same.What ever they wish to call it arrears or balance or outstanding debt is neither here nor there.

 

Regards

 

Andy

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  • 2 weeks later...

Would depend on the Claimant raising it in their case.

The Carey case has clarified that the court has the power to declare whether there has or hasnt been a breach of section 78 and all cases will be considered on its own facts. It has clarified that a mere breach of section 78 will not of itself create an unfair relationship but that is not to say that such a breach is never going to be capable of creating an unfair relationship.

The emphasis in the Carey case on section 78 appears to have obscured the real claim that exists under section 61(1)(a) and 127(3) of the Act. These sections dictate that a creditor must be able to produce a signed document (not necessarily the credit agreement) that contains the prescribed terms. The document must include the credit limit, the interest rate and details of how and when a debtor is to make payment. A failure to produce such a document is still capable of rendering the agreement unenforceable.IMHO

Regards

Andy

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thanks for the reply Andy..

 

I'm being attacked by all sides at the min..bit depressing really..

 

if a creditor splits a debt with no mention of arrears.. and gets a ccj for a small part..can they legaly then issue another claim for the rest? and if not.. is it up to me to point that out before they start a new claim.. bit like accepting unlawful rescission..

 

cheers...Johnny

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Cant split a debt and if they have and gained a CCJ then a set a side would be the order of the day because it has obviously gone undefended and gained by default through Northampton.

 

Andy

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Hi Andy,

 

they actually got the ccj by acceptance..I thought it was for arrears..but there is no mention of arrears in the poc.. plus it was far less than the balance.. I asked them why they did this and they said it was because it was cheaper.. who for them or me? lol

can I still get this set aside? as after finding this place i realise that I should have defended in full as I have a termination notice and default notice that were served on the same day..

 

thanks...Johnny

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Hi Andy,

 

they actually got the ccj by acceptance. By you, you accepted it?.I thought it was for arrears..but there is no mention of arrears in the poc.. plus it was far less than the balance.. I asked them why they did this and they said it was because it was cheaper.. who for them or me? lol Them lower the balance lower the Court Costs

can I still get this set aside? Bit Tricky now you have accepted it and how long ago are we talking? as after finding this place i realise that I should have defended in full as I have a termination notice and default notice that were served on the same day.. If only hindsight hey??

thanks...Johnny

 

 

 

Andy

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Shouldnt, but they never fail to suprise me :-obut this time you will be prepared8-)

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I thought it was illegal to split the debt.. I read it on here somewhere..

so can I defend the rest using unlawful rescission now that I have the DN and TN that were sent on the same date...as I should have done with the first part?

 

Johnny

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You read it here my post 86.Have they commenced litigation on the second part? Is this the part of this thread/debt Johnny? If so has i have asked how old is the CCJ?

I was under the impression you was just asking the question.

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this is another debt.. no news on the one on this thread..

yes I read your post but also read it elswhere..l.. found it..

 

35.

Division of causes of action.

It shall not be lawful for any plaintiff to divide any cause of action for the purpose of bringing two or more actions in one or more of the county courts

 

does this apply to that debt?

 

Johnny

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this is another debt.. no news on the one on this thread..

yes I read your post but also read it elswhere..l.. found it..

 

35.

Division of causes of action.

It shall not be lawful for any plaintiff to divide any cause of action for the purpose of bringing two or more actions in one or more of the county courts

 

does this apply to that debt?

 

Johnny

 

 

Thats the one!!

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  • 2 months later...

Hi Andy, Hope you are well..

got a date for a hearing coming up re original cc debt..

I submitted my amended defence.. but have not had a reply from the claimant.. i got a copy of their AQ and thats all..

are they supposed to respond to the defence?

the hearing is set for the middle of dec.. i'm trying to do a witness statement now.. but not exactly sure what to put in it at the moment.. i have since found docs in support of money in dispute with the OC that show I have a reasonable counter claim for unfair charges and ppi.. is it too late to make a counter claim?

for my witness statement.. I have..

No compliant NOA

No compliant DN

illegible CCA without terms

default registered by OC without sending DN and a letter saying they would register a default and sell the debt.. no mention of DN in any of their comms

unsure what to do about costs..

bit stuck on how to word it all at the moment.. any help would be greatly appreciated

 

Johnny

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Hi Andy, Hope you are well..

got a date for a hearing coming up re original cc debt..

I submitted my amended defence.. but have not had a reply from the claimant.. i got a copy of their AQ and thats all..

are they supposed to respond to the defence? They will later in their WS

the hearing is set for the middle of dec.. i'm trying to do a witness statement now.. but not exactly sure what to put in it at the moment.. i have since found docs in support of money in dispute with the OC that show I have a reasonable counter claim for unfair charges and ppi.. is it too late to make a counter claim? No this can be done vis a N244

for my witness statement.. I have..

No compliant NOA

No compliant DN

illegible CCA without terms

default registered by OC without sending DN and a letter saying they would register a default and sell the debt.. no mention of DN in any of their comms

unsure what to do about costs..

bit stuck on how to word it all at the moment.. any help would be greatly appreciated

 

Johnny

 

Search out Dizzie Diva/ MBNA I have prepared one for her which was successful this with give you an idea content layout.

Regards

Andy

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thanks for the reply Andy..

when do I submt the N244? When you have prepared you claim

 

is it with the WS ? and also do I have to specify an amount? well yes

also can I claim compensation for registering a default without sending a default notice? no dont go there they would simply state they did send one

 

thanks..Johnny

 

Andy

 

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thanks Andy..

 

would a letter of intent to register a default and sell the account to a third party qualify as a termination of an agreement?

the letter says.. unless you pay £xxxx amount before xx/xx/xx we will register a default on your credit file and sell your account to a third party..this means that you will no longer be a customer of xx and responsibility for recovery of the outstanding balance will be solely that of the purchaser.

 

Johnny

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