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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.   
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    • 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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Nelson Guest/Wescot/LTSB.........help please!


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Hi everyone

 

OH has a loan with LTSB which he paid regularly for over 3 years before ill health caused him to change employment which resulted in a drop in income. Despite soldiering on for a while and despite our best efforts, he was then unable to keep up any type of repayments and the balance today stands at almost the same as he borrowed!

 

At that point I discovered Cag and CCA'd LTSB. The agreement which came back was, according to those on the site who took a look - enforceable. As he had been mis-sold PPI we reclaimed that and only recently this complaint has been concluded to our satisfaction.

 

In the meantime the account (with a fairly large - well over £5k - balance) has been passed around various DCAs - Robbers Way, Apex, AIC and most recently Wescot. Until recently I have successfully kept them at bay by means of the unresolved PPI dispute.

 

Today a letter arrived from Nelson Guest Sols saying that Wescot acting on behalf of LTSB are prepared to offer a 70% reduction to clear the account and avoid further action.

 

This is the first time any reduction has been offered on this account.

 

As it happens we are getting close to making a F&F offer although we had recently SAR'd the loan account in an attempt to clarify if it had been sold - a general SAR to Lloyds had proved inconclusive.

 

Trouble is their letter dates from a week ago - yet only arrived today - and the 'offer' expires on Sunday :x

 

I realise they probably just want OH to call them - which he would not do - and obviously we would need to get everything in writing re: credit file marked 'fully satisfied' adverse data removed from CRAs, balance not to be sold on etc etc, but I would really like to get shot of this one and it seems too good an opportunity to miss.........

 

I would greatly appreciate any views on how to proceed with this please!

 

Many thanks,

 

Landy x

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Them offering a discounted settlement amount is always a good sign.

 

It if were me, I would write an acknowledgement of their letter/offer, telling them of the delay in postal service.

 

I would request an extension in your time to 'consider' their offer, and confirm that you will respond by, say, next Friday.

 

That will give you a chance to put together your F & F acceptance letter with all the terms you require in writing.

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Them offering a discounted settlement amount is always a good sign.

 

It if were me, I would write an acknowledgement of their letter/offer, telling them of the delay in postal service.

 

I would request an extension in your time to 'consider' their offer, and confirm that you will respond by, say, next Friday.

 

That will give you a chance to put together your F & F acceptance letter with all the terms you require in writing.

 

Hi harassed senior,

 

Thanks so much for your helpful response!

 

I will do as you suggest and send my acknowledgement requesting a further period (say to next Friday as you suggest) to consider their offer. I will send this via special delivery so they get it on Monday morning.

 

Will report back letting you know how I get on :-)

 

Thanks again,

 

Landy x

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Hi landy_alert ,I think it it just another standard letter from Wescot ( Nelson Guest) to get you to contact them, I may be wrong so will be keeping a eye on your thread hoping that they will give you a F & F ,

good luck Sleepingdog

 

Hi Sleepingdog,

 

Thank you for replying! Yes, that thought did occur to me - that it is just a way to lure you to call them with big discount offers..........but anyway I've given them the benefit of the doubt (for now anyway!) and done as harassed senior suggested. Will just have to wait and see how they respond - hopefully a good low F&F will be the outcome of this - will keep you all updated!

 

Landy x

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  • 3 weeks later...
Hi landy_alert ,I think it it just another standard letter from Wescot ( Nelson Guest) to get you to contact them, I may be wrong so will be keeping a eye on your thread hoping that they will give you a F & F ,

good luck Sleepingdog

 

Well, it now being over two weeks since Nelson Guest received my second letter regarding their 'offer' and with no response/acknowledgment received, I am beginning to think Sleepingdog was correct in their suggestion that this was merely another lure to prompt me (OH) to call them.

 

That said, I did read on another thread that in a similar situation it was some 3-4 weeks before the DCA bothered to respond and that in that particular case a favourable F&F was the eventual outcome, so I won't give up just yet!

 

Landy x

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Hi everyone,

 

The latest letter has arrived in this saga - from Wescot referring to my 'complaint' which they say they're looking into. So, no reference to F&Fs, no response from 'Nelson Guest' and god knows what 'complaint' they're referring to............looks like Sleepingdog was definitely right and they never had any intention of accepting the F&F that they offered :mad2:

 

I'm now going to go down the route of token payments..........at which rate it will take decades to clear, but tough titty!

 

Landy x

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How long since you have made a payment on this, don't forget each payment re-sets the SB clock.

 

Hi Harassed Senior,

 

Last payment made was in early 2009, but the last payment that cleared was in Feb 2008...........so quite a while till it will be SB :sad:

 

Landy x

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  • 1 month later...

Hi everyone,

 

I'm looking for some more advice on this please!

 

Having now sent seven letters to Wescot/Nelson Guest regarding this the only reply I've received has been to say they are looking into the matter I raised. I've written to LTSB Collections but no response from that quarter....................

 

I really wish to get this resolved and as they were the ones to mention F&Fs originally (whether as a ploy or not) I think they could at least have the courtesy to respond.

 

All my letters have been signed for on receipt.

 

Does anyone have any ideas how I can get them to engage in a meaningful (written obviously) discussion over this please?

 

Many thanks,

 

Landy x

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Nelson Guest are 'solicitors for Rent', the rent their name out to chase debts.

 

I would now write back to both parties in the following manner, keep it short and sweet and they won't know what to answer back with legally!

 

"Dear deluded creditor/DCA"

 

To prevent further protracted correspondence I now consider this matter closed. Neither of you have provided any creditable evidence to take me to court to enforce this and due to my worsening financial situation I wish to make a full and final payment of £50 (they will have bought the debt for far less.... you can change this sum to a reasonable one). I enclose a cheque for this amount, by cashing the cheque you will NOT pass any perceived remaining sum to any other in-house team or third party company and will cease processing the information to all relevant authorities, inluding specifically Equifax, Experian and Callcredit, where you will record this as settled."

 

Yours sincerely.

 

Don't sign it with your normal signature.

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Nelson Guest are 'solicitors for Rent', the rent their name out to chase debts.

 

I would now write back to both parties in the following manner, keep it short and sweet and they won't know what to answer back with legally!

 

"Dear deluded creditor/DCA"

 

To prevent further protracted correspondence I now consider this matter closed. Neither of you have provided any creditable evidence to take me to court to enforce this and due to my worsening financial situation I wish to make a full and final payment of £50 (they will have bought the debt for far less.... you can change this sum to a reasonable one). I enclose a cheque for this amount, by cashing the cheque you will NOT pass any perceived remaining sum to any other in-house team or third party company and will cease processing the information to all relevant authorities, inluding specifically Equifax, Experian and Callcredit, where you will record this as settled."

 

Yours sincerely.

 

Don't sign it with your normal signature.

 

Hi SG,

 

Thanks very much for your response :-D I would dearly love to do as you suggest, but would it really be likely that this would be the end of the matter? Despite a SAR I'm still not certain who owns this debt - there was nothing in it to suggest it had been sold to Wescot so I'm really still none the wiser. LTSB are notoriously difficult to deal with and I can't believe they'll just let this drop. I was perfectly prepared to pay them around 75% of the balance with the help of a family member, but they just don't seem interested..........

 

Landy x

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  • 2 weeks later...
Nelson Guest are 'solicitors for Rent', the rent their name out to chase debts.

 

I would now write back to both parties in the following manner, keep it short and sweet and they won't know what to answer back with legally!

 

"Dear deluded creditor/DCA"

 

To prevent further protracted correspondence I now consider this matter closed. Neither of you have provided any creditable evidence to take me to court to enforce this and due to my worsening financial situation I wish to make a full and final payment of £50 (they will have bought the debt for far less.... you can change this sum to a reasonable one). I enclose a cheque for this amount, by cashing the cheque you will NOT pass any perceived remaining sum to any other in-house team or third party company and will cease processing the information to all relevant authorities, inluding specifically Equifax, Experian and Callcredit, where you will record this as settled."

 

Yours sincerely.

 

Don't sign it with your normal signature.

 

I have also recieved a Nelson Guest letter and must say mine was dated 25 Nov and recieved 4 December. Do they always send them out with wrong date on so that you ring them in a panic?! I never rand them. Instead turning to you guys and did my research. These people really are the lowest of the low. Its all on offical looking Nelson Guest letterhead but right at the bottom it reads "Calls to Westcott may be monitord or recorded in orderr to improve their standard service" in tiny writing.

 

I use to be a Clark in a Solictors (few years back now) and our letterhead only had our infomation on, never a Third Party. And my letter from this Nelson Geezer is not signed (also a big no, no from a solicitor) and they always have a contact name and email address on solicitors letters to.

 

Surely this is fraud of some kind?

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