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    • 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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      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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Hoist/? Claimform 2008 abbey credit card 'debt'


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cannot tell depends if they are serious?

 

 

Serious?

 

 

They have taken it seriously enough to issue a claim... would there be a reason if at this stage it wouldn't be taken seriously? I don know much about Cohen's or how vicious at seeing things through to the end they are?

 

 

Stuff like this affects peoples life, I find this all very nerve racking, it has a profound effect on me.

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Serious?

 

 

They have taken it seriously enough to issue a claim... would there be a reason if at this stage it wouldn't be taken seriously? I don know much about Cohen's or how vicious at seeing things through to the end they are?

 

 

Stuff like this affects peoples life, I find this all very nerve racking, it has a profound effect on me.

 

we have been in the same situation,

they can issue claims, in the hope they get a CCJ against you if you do not defend the claim,

i.e. you check to see if the have an enforceable CCA1974, which most cases not at this point also request CPR 31 for documents quoted on form N1 (Blue copy from court)

then you will know if they have the necessary document to proceed,

 

 

in some cases the case gets stayed during the course of procedure after 28 days if they do not produce the CPR requested information,

but as far as the CCA1974 request to them with a £1.00 fee they then will have 14 days to supply the request,

if not no action can proceed further until complied with,

 

 

in some cases yours as well I hope this will be the case, there will be plenty of help/advice on here, contact Andy for advice?

:mad2::-x:jaw::sad:
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there is no harm in sending the CCA/CPR

 

but SB defence is an absolute one

without the ref to either.

 

as for stressing out etc etc.

 

they don't care

and they don't know.

 

that's the idea of everything a DCa is about

 

threats and intimidation to make people cough up.

 

same with most of the claimforms too

as mike indicated

 

speculative claims hoping for a non contested judgement as people are 'so frightened' by their letters

 

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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we have been in the same situation,

they can issue claims, in the hope they get a CCJ against you if you do not defend the claim,

i.e. you check to see if the have an enforceable CCA1974, which most cases not at this point also request CPR 31 for documents quoted on form N1 (Blue copy from court)

then you will know if they have the necessary document to proceed,

 

in some cases the case gets stayed during the course of procedure after 28 days if they do not produce the CPR requested information,

but as far as the CCA1974 request to them with a £1.00 fee they then will have 14 days to supply the request,

if not no action can proceed further until complied with,

 

in some cases yours as well I hope this will be the case, there will be plenty of help/advice on here, contact Andy for advice?

 

Thank you - I'm off work today as too poorly to go in, so I am off to turn on the printer and go to the library tab then off to Post Office. x

 

there is no harm in sending the CCA/CPR

 

but SB defence is an absolute one

without the ref to either.

 

as for stressing out etc etc.

 

they don't care

and they don't know.

 

that's the idea of everything a DCa is about

 

threats and intimidation to make people cough up.

 

same with most of the claimforms too

as mike indicated

 

speculative claims hoping for a non contested judgement as people are 'so frightened' by their letters.

 

dx

 

And I expect in the majority of cases they will too but scarring people into paying up,

I am going to try and keep upright about this, my hubby not coping well.

 

So with the help of some great people on this forum, I am going to try and be calm and remain hopeful.

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Thank you - I'm off work today as too poorly to go in, so I am off to turn on the printer and go to the library tab then off to Post Office. x

 

Good for you, hope you feel better soon - chin up. upwards & forwards!

 

Thank you - I'm off work today as too poorly to go in, so I am off to turn on the printer and go to the library tab then off to Post Office. x

 

Send Recorded Delivery, and keep copies of everything by date order?

:mad2::-x:jaw::sad:
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lol - an angry face has appeared in my post title!!! - please can someone help me to take it off :-)

 

Send Recorded Delivery, and keep copies of everything by date order?

 

will do, I may not get to the Post office today as I have a very poorly tummy ;-) but hubby has day off tomorrow, I will prepare letters and he will do the necessary :-)

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all has been quiet today on the western front. no calls or texts, but wonder why that is?....

 

Don't knock it!! lol

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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  • 2 weeks later...

hello

 

Just checking in as still not heard since we filed our defence.

 

 

Does it normally take this long? Can someone tell me what the process is once a defence served.

 

 

I have tried to check the MCOL website tonight but it is down!

 

Thank you in advance

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post 252

 

 

I would expect by now the claim is stayed

 

 

next move is the claimants

 

 

if they want to ever do anything or leave it stayed

 

 

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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send what back?

 

you are dealing with the court now

not some fleecing DCA that thinks they can walk all over creditors

 

just to be clear

 

you file this on the MCOL website

 

NOTHING ELSE TO ANYONE IN ANY OTHER WAY OR METHOD.

 

it will be the claimant decision then to go with the claim or run away.

 

 

a) how long does it take before I get an answer to the defence?- they must reply in 28 days else claim is stayed

.

b) can I defend again or it is one attempt only? - there are several stages

 

c) after the decision has been made as to what the outcome is will we get a chance to pay it off and my hubby wont get a ccj?

- if you lose which I very much doubt, there is a windows of 28 days from judgement to filing yes.

 

but you wont lose

I would suspect they will send you silly letters claiming it not SB's etc etc.

 

they will try and wear you down. don't give

 

don't ever do ANYTHING Without checking here FIRST

 

dx

 

Please can I confirm if the 28 days to respond includes w/e and bank hols?thanks in advance

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cal days

 

 

let it run

do not do anything

 

 

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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makes no odds...a day or two.

 

 

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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  • 4 months later...

UPDATE

 

Had a letter from Cohens at the weekend - in short

 

Re: Your defence

- our client is prepared to accept any reasonable offer,

the letter said that it enclosed NOA (whicvh was missing!!),

statement of account,

and recon T&C's as well as an I&E form

 

Said that if no reply within 14 days will seek instructions from client (Hoist)

- funnily enough it has the £10 on there for the SAR request and the balance has gone up £100!!

 

Any guidance on this be gratefully appreciated.

 

I am pretty sure that his is SB now?

Edited by Feelingdownandout
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will waving ignore them

 

unless/until they pay to ustay the claim

and the COURT write with a date

 

you ignore them.

 

the SB clock stalled the day they issued the claimform

 

it does not resume ticking until/unless

the claim is struckout or discontinued.

 

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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