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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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Ccj and i/e request help needed


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:) Hi everyone, after spending hours on this fab site, I have just returned from the post ofice and finally sent out all the CCA requests to my pesky DCA'S/Creditors!!!

 

I must say that I feel rather pleased with myself and am quite content at this present time. Ask me again in a couple of weeks:???:

 

 

I thought I would start this thread so I can keep everyone updated on how my particular DCA/Creditors are behaving and of course so any of you lovely people can point me in the right direction.

 

 

I will post as soon as anything arrives or developes.

 

 

Thanks for now

 

Shelbelle

 

 

DIRECT LEGAL COLLECTIONS: PERSONAL UNSECURED LOAN

BLAIR, OLIVER & SCOTT: HALIFAX CREDIT CARD

LLOYDS TSB: CREDIT CARD

LLOYDS TSB: PERSONAL UNSECURED LOAN

SAINSBURYS BANK: CREDIT CARD

WATCH THIS SPACE, I AM IN FIGHTING MOOD!!!

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Good luck with them all, SHELBELLE.

 

 

Regards.

 

Scott.

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

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OH noooooooo!!!!!!

 

I have just remembered something very vital in my case with my creditors s**t!!!! Need Help

 

When my financial circumstances changed for the worst I wrote to all my creditors informing them of my situation, I then enlisted the help of the CCCS and have been paying the creditors(some 0/C & some DCA'S) through CCCS for over a year.

 

I may be very thick but I have this awful feeling that I have admitted the debt in writing, will my case still stand if they do not produce a valid CCA?

 

Or will I only (maybe) be ok with the DCA'S as the original debt was not with them?

 

I would also like to mention that I know for a fact that most of my accounts were applied for online and nothing was ever signed.

 

 

 

PLEASE HELP, AM I FIGHTING A LOST CAUSE??????

 

 

All help and advice appreciated.

 

 

Shelbelle

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If, and this is a big if it ever got to a court hearing, they would have to produce a valid executed consumer credit agreement, if you demanded it be produced.

I hope that answers your question.

Regards CCM

Please note i have no legal training any advice i give comes from my own experience and from what i have learned on this site

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CCM

 

Does

 

CCM

 

Does that mean it does not matter if I wrote to them previously if they do not produce the valid CCA then I should be ok?

 

Sorry just getting worried I am going to be open to a loop hole in favour of the Creditors.

 

Thanks again

 

SB

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You can request a CCA at anytime, remember most of these firms are only collecting the debt, they did not offer you the money. by requesting a CCA you are establishing the fact that they are entitled to collect said debt.

 

If they do not have a CCA then what are they doing demanding money from you.

 

It also puts you in control not them.

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You can request a CCA at anytime, remember most of these firms are only collecting the debt, they did not offer you the money. by requesting a CCA you are establishing the fact that they are entitled to collect said debt.

 

If they do not have a CCA then what are they doing demanding money from you.

 

It also puts you in control not them.

 

pgh

Sorry i have to disagree with you there. When requesting a CCA or writing to them for any other reason, you must put at the top of the letter,

I DO NOT ACKNOWLEDGE ANY DEBT TO YOUR COMPANY OR ANY COMPANY YOU CLAIM TO REPRESENT

Therefore you are NOT acknowleging anything, but merely asking for proof of debt

Please note i have no legal training any advice i give comes from my own experience and from what i have learned on this site

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CCM

 

So because I did not include taht statement in my letters explaining my financial postion, if I am still dealing with the O/C is this going to be a problem?

 

Shall I use that phrase from now on or will I be contradicting myself?

 

In short would you recommend I pursue if debt is still with O/C?

 

I m very confused(NOT HARD)!!!:confused:

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It's ok Just make sure you put that at the top of all your letters and in bold from now on You'll be fine.

Oh and dont talk to them on the phone

Please note i have no legal training any advice i give comes from my own experience and from what i have learned on this site

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CCM

 

Ok will do.

 

No I wont talk to the buggers, I have printed a great telephone conversation from another post and have memorised it word for word, great comedy!!!!!!!!!!!!!!!!!!!!!!!

 

Thanks again, much appreciated.

 

SBX

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Isn't this site just the best!!!

 

Hope in a few months/years I will become an expert like you lot, I have even told my sister/colleagues about this little gem.

 

SB

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pgh

Sorry i have to disagree with you there. When requesting a CCA or writing to them for any other reason, you must put at the top of the letter,

I DO NOT ACKNOWLEDGE ANY DEBT TO YOUR COMPANY OR ANY COMPANY YOU CLAIM TO REPRESENT

Therefore you are NOT acknowleging anything, but merely asking for proof of debt

 

obviously people have different "rules" to how this should be done, I make CCA requests on nearly a daily basis in my job and we do not specify at the top of the letter that there is no acknowledgement of the debt.

 

The important letters that information needs to be included on is when you are disputing a debt under the limitations act.

 

like PGH said you can make a CCA request at any time even if you have always been paying the money and "know" that you owe it, if there is no agreement or the agreement is not properly executed its unforceable!

Specialist Debt Adviser

 

Community Legal Aid 0845 345 4345 Free advice on Debt, Employment, Housing and Welfare Benefits

 

I work for Community Legal Aid and Citizens Advice

 

I am a member of the Institute for Money Advisers

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pgh

Sorry i have to disagree with you there. When requesting a CCA or writing to them for any other reason, you must put at the top of the letter,

I DO NOT ACKNOWLEDGE ANY DEBT TO YOUR COMPANY OR ANY COMPANY YOU CLAIM TO REPRESENT

Therefore you are NOT acknowleging anything, but merely asking for proof of debt

 

 

Actually CCM by requesting a CCA you are in fact establishing if the debt is enforcable as per LayDee's post so if you state !I do not Acknowledge etc" or not is neither here nor there, I do actuall use that phrase but only cause I hope it gets up the DCA Drones noses, all to their own :)

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  • 2 weeks later...

M eagain

 

Can someone help me on my earlier Lloyds question?

 

I CCA'd them got a letter this morn saying thankyou for your payment, no mention of CCA request at all, shall I write back or wait for the 12 + 2 days??

 

Thanks in advance

 

 

S.B.

 

Hi

 

Any ideas re: Lloyds anyone?

 

Thanks

 

S.B.

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Babydoll

 

 

Ok I will sit tight and hopefully let them pass the 12 + 2 days and then I believe they will be in default.

 

I will find a letter in templates to send after the timescale has passed.

 

 

Many thanks

 

S.B.

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Actually CCM by requesting a CCA you are in fact establishing if the debt is enforcable as per LayDee's post so if you state !I do not Acknowledge etc" or not is neither here nor there, I do actuall use that phrase but only cause I hope it gets up the DCA Drones noses, all to their own :)

 

pgh

Yes i think it does no harm to use it, if it gets up their noses so much the better

Please note i have no legal training any advice i give comes from my own experience and from what i have learned on this site

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if that were me id wait until after the 30 day deadline if you really want to write to them ...i have a halifax cred card ..went to blair oliver and scott..had 2 threatning letters off them ..i CCA them in march..have heard nothing since ..they have defaulted and commited a criminal offence ..ive stopped paying them the token payment,,im not writing to them..they know my request still stands..i have been told from the great site to report them to trading standards etc to get them to investigate,,im hoping there is no CCA card was taken out in 2001

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Babydoll & CCM

 

Thanks I will do that, but not sure how to use original threads i.e. do I start again or can I use what I have already posted?? Wouldn't know how to split them if you know what I mean.

 

Thanks

 

S.B.

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