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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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Claiming back PPI on Halifax loan from 2002 **WON FULL AMOUNT REFUNDED**


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I'm just about to put this claim in (finally) with Halifax.

 

My reasons are:

 

1) I was not shown a total figure for the loan including the Single Premium policy figure at the time of purchase, just a monthly figure.

 

2) I was not told I was also being loaned the money for the PPI policy.

 

3) I was not told about any cooling off period.

 

4) I was not told I could buy PPI elsewhere from an independent broker.

 

5) I was told I had to take out a new loan if I wanted to cancel my PPI (Which form memory worked out more than what i was paying monthly WITH my PPI!)

 

I know this has taken me ages to do, but I am not a very confident person and keep putting it off each time I get close to starting a claim.

 

Are the reasons above valid for a claim?

 

PS - My policy has been active within the last 6 years: taken out in August 2002 and settled early in July 2007.

 

Thanks, Danny.

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Hi

 

Wondered where you'd got to :lol:

 

They sound good to me. Regarding point one you could put some emphasis on that by saying that you were never advised of the "true and full" cost of the PPI being a single premium policy.

 

On point 5 you could put some emphasis on that by saying that consumers have been able to cancel policies at any time without the need to take out a new loan and being told that a new loan would be required is a no no :nono:

 

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Ok, I'll make sure I get the wording spot on. I've heard of a few people just speaking to Halifax on the phone in order to claim their PPI back. Is there any mileage in this or should I write to them with a filled out FOS questionairre and a breakdown of what i'm claiming back?

 

Danny

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we typically find its better to hit them with F)S CQ + SOC + covering letter

 

shows you know what you are on about and dont get fleeced.

 

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 Danny

 

If it is any help, I recently successfully claimed on a single premium PPI on a Halifax loan dating back to 1997 using the standard loan spreadsheet template on this site to calculate simple 8% interest. I found that the accuracy of the spreadsheet does not matter too much because Halifax will do their own calculations to derive a settlement figure. In my case, this worked out at almost double the amount I claimed.

I also received a similar uplift on the claimed amount (again using the standard spreadsheet template) on a Halifax credit card from 2002.

 

Brett

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  • 5 months later...

Just sorting out my FOS CQ & SOC. I have downloaded a new spreadsheet from the PPI thread, but it's giving different figures to the sheet I originally used.

 

Would someone mind taking a look and seeing which one is right?

 

Many thanks,

 

Danny

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Thanks for the quick reply. Do you know why the figures are different on the other one?

 

Do i need to take into account the loan APR or anything like that? If you look at post 16 I made way back in 2011 (longest PPI reclaim in history!) does my spreadsheet make sense?

 

Many thanks

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No template for the submission letter.

 

All explanation for mis-sale will be (or should be) in the fos questionnaire.

 

All you need to put is something to the effect that you now realise that you were mis-sold PPI and you enclose your completed fos questionnaire and a spreadsheet of your workings.

 

Now, give me my money back.

 

Keep it simple IMHO :-)

 

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no i've done 1994!

 

Dear Sir or Madam,

Re:

 

I am writing in relation to the above payment protection (PPI) policy which i believe was mis-sold to me in relation to my

I believe you have not treated me fairly for the following reasons;

· The PPI was added without my knowledge..

· You have been punished by the Financial Services Authority for failing to treat customers fairly and I do not believe that the PPI I bought was sold in my best interest.

Unless you can prove that the policy was fair and reasonable and that I was treated fairly when I was sold the insurance, I demand a full refund of all premiums, and subsequent interest on these payments, that I have paid in relation to this policy. I also expect 8% interest to be added to each payment I have made as this is the statutory amount a court would pay.

I look forward to your full and prompt response to this letter. If this matter is not settled within eight weeks of this letter I shall be contacting the Financial Ombudsman to investigate my complaint.

This letter is in respect of the above account that was issued by

Yours faithfully

 

 

or

 

The Complaints Department

[Lender’s address]

[Date]

Dear Sir/Madam,

Ref – policy number

I believe I have been mis-sold a payment protection insurance policy and would like to request a full refund of my premiums, plus interest paid.

I took out a £xxx loan/credit card at your [branch name] branch on [date] and also bought a payment protection policy which would cost me an extra £xxx over the life of the loan. [The name of the salesperson who sold me the policy is …] The total amount of my premiums plus interest is £ xxxx.

When I took out the loan, I was told that my application would be refused if I did not also buy a PPI policy. The Financial Services Authority’s advice to consumers is that, while it does not breach FSA guidelines, a borrower should not be refused a loan if they choose not to buy an insurance policy.

Possible additional paragraphs – include any which apply to you

[i also told your salesperson that I had adequate insurance cover through a separate income protection policy.]

 

[i said I did not need the PPI as my employer provides a generous illness and redundancy package.]

[You are not allowed to make PPI a condition of taking out the loan unless you include the costs of PPI in the quoted interest rate, which you did not do.]

[in forcing me to buy this policy, you have also breached paragraph 8.6 of the Banking Code, to which you are a signatory.]

I do not believe being forced to buy this policy as part of the loan was a fair and reasonable obligation as I did not need this insurance and said at the time of taking the loan that I did not want it.

I am requesting a full refund of all my insurance payments, plus interest, which total [£ xxx].

If I do not receive a favourable response from you I will pursue this claim through the Financial Ombudsman.

Yours faithfully,

 

 

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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cant see the point of no.5,

 

as you were applying for a new loan & you didn't alerady have one

i cant see how can you be told you need to a new loan to cancel a ppi policy you dont have

 

unless you were already pre-approved the loan

and you just went in to sign paperwork...

 

 

1+2 are in effect the same.

 

you were not advised of the PPI elements' true cost

nor that it attracted interest over the full term of the loan

but only covered you for a limited period,

 

how did you apply for the loan?

 

IMHO i would not 'speculate' upon what was wrong on the sale process

because if you dont know

you will get a 'speculative' reply.

 

i also dont pers adhere to the scattergun approach of multiple reasons

 

if you wre told in a closed room that it was compulsory

that needs to be your only reason for mis-sale stated anywhere.

 

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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Ok then. Is this good enough? I'm worried it's now a little vague as there were multiple failings at the time of the sale.

 

XXXXXXXX

XXXXXXX

XXXXXX

XXXXXX

XXX XXX

February 20, 2013

HalifaxPLC

CustomerRelations

POBox 548

Leeds

LS11WU

Re: Mis-selling of PPI on Personal Loan X/XXXXXX-X

Dear Sir or Madam,

I am writing in relation to the above payment protection insurance policy which I believe was mis-sold to me inrelation to my personal loan, taken out at your Chester St Werburgh Row Branch on the 1stof August 2002.

I believe you have not treated me fairly for the followingreason:


  • I was not shown a total figure for the loan including the Single Premium policy figure at the time of purchase, just a monthly figure. I was not advised of the true and full cost of the policy.

Unless you can prove that the policy was fair and reasonable and that I wastreated fairly when I was sold the insurance, I demand a full refund of allpremiums, and subsequent interest on these payments, that I have paid inrelation to this policy. I also expect 8% interest to be added to each paymentI have made as this is the statutory amount a court would pay.

I look forward to your full and prompt response to this letter. If this matteris not settled within eight weeks of this letter I shall be contacting theFinancial Ombudsman to investigate my complaint.

This letter is in respect of the above account that was issued by Halifax.

Yours faithfully

XXXXXXXXXXX

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you can put what you like as yourmain point

 

but at the end of the day

 

all your 'failings' in the proces sare mentioned in your FOS CQ.?

 

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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All docs are ready, i think. Any chance someone could cast their eye over them for me before I submit them? I dont want them to get bounced back.

 

Regards

 

Danny

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all look ok

 

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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Thanks

 

Could someone please have a look at my FOD CQ before I send it all off?

 

I have limited my reason for the claim in my covering letter to one reason, and expanded on this in my CQ.

 

In the section listed 'why are you now unhappy with the insurance' I have added to fact that I was told that I would have to take out a new loan when I tried to cancel...is this ok?

 

I have removed all personal info from the FOS CQ.

 

Almost ready!!!! :-):-):-)

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your name is visable! on the first page

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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i would not answer you'd getless than 3mts pay

6 or more atleast

 

also i would not say you diddn't want it

you could not avoid taking it

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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