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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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csl pain in the butt


wittsend
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hi bazooka boo

 

Ico as well, coz they said a default once issued can be recorded anytime, oops

 

me thinks me may do everything

 

i can get a little bit tetchy at times

 

i have now gone past that stage and i am nearer to possed iff

 

witts

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Ok, so they say they sent you a default Notice in 2002.. but they didnt start recording credit history until 2010 ? Did you remedy the breach on the default notice.. ie pay them any money ?

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

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Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

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1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb 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.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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http://www.consumeractiongroup.co.uk/forum/content.php?50-Have-you-been-defaulted-twice-for-the-same-debt

 

Have a read of the article linked above and also the responses on defaults registered with the CRAs.. it might give you some ideas on how to deal with this issue.

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb 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.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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Ok, so they say they sent you a default Notice in 2002.. but they didnt start recording credit history until 2010 ? Did you remedy the breach on the default notice.. ie pay them any money ?

 

I have been making payments ,all be it reduced ones since 2002, never missed one

 

they would not agree to the reduced payments untill they had issued a default to close the account

 

a copy of my credit file dated 2006 shows this account as defaulted in 2002

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Default date should be at the MAXIMUM of six months AFTER you first defaulted on the account, not when they decide to pull their finger out!

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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  • 4 weeks later...

have complaind to OFT about the number of calls from CSL, and also that Berzerklys said they could do nothing about itthey have sent me out a consent form to signso they must be stacking up some complaints about them

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Don't sign anything.

 

Regards.

 

Fred

Before you criticise another man you should first walk a mile in his shoes. Then, when you criticise him, you'll be a mile away and he won't have any shoes on.

 

Don't get me confused with somebody knowledgeable by all those green blobs. I got most of them by making people laugh.

 

I am not European, I am English.

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  • 3 weeks later...

up date

 

wrote to barcs (recorded signed for 15th april) stating that their letter was missleading and puzzleing, and that I had a copy of me CRA report from2006 showing the acount as defaulted in 2002, but that I shoul not have to send them a copy of this as they should have it on file

asked them to remove all illegal markers on CRA file asap, as of today 10/05/11 not a sausage

 

any suggestions

 

mrs witts

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ICO, and give OFT&TS a ring http://www.direct.gov.uk/en/Dl1/Directories/UsefulContactsByCategory/Governmentcitizensandrightscontacts/DG_195948

 

Give experian a bell and ask them why they have allowed incorrect adverse data to be placed on your file, inform them that you are actively seeking legal advice with a view to taking them and BC to court to sue for defamation, demand they send you their complaints procedure, exhaust it, and complain to your local MP as swell.

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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  • 4 weeks later...

up date

 

ihad been on the phone to my mother for a while and after hanging up my phone rang

I have a truecall machine and the voice said someone had left me a message so i pressed play

 

it was an automated call asking if i was Mrs witts and if i was i had to press 1 if not 2

 

this is a call from CSL4 i take it this is another name for CSL

 

I googled it and a site called Telepest popped upand yes it is CSL but what made me smile is that the site said the number had been reported as a POSSABLE telepest

now since i have a complaint in with the OFT about the harasing calls , at least 1a day since 10th march, but none on a sunday, i think it is more than possable they are a telepest

 

why they are phoning i dont know because i am still in dispute with Barclays over the 2nd default they put on the account

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Isn't truecall the puppies "back wheels"!

 

Take a print out of your Internet Control Panel down to your local Police station and report them for harassment, complain again to the OFT and Ofcom, inform Ofcom that you are still being harassed by this clown outfit who IS abusing "THEIR" network, and if they are not prepared to act then you will escalate this above their heads and out of their hands.

 

Truecall, sleep easy, ignore the irritants, live happy.

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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  • 1 month later...

Hi

Welcome to The Consumer Action Group.

 

 

I am just letting you know that as you haven't had any replies to your post yet, it might be better if you post your message again in an appropriate sub-forum. You will get lots of help there.

 

Also take some time to read around the forum and get used to the layout. It is a big forum and takes a lot of getting used to.

 

 

Once you start to find your way, you will soon realise that it is fairly easy to get round and to get the help you need.

 

It can be bit confusing at first.

Please be advised that my time will be limited for the next few weeks.Thanks for your understanding.

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  • 2 weeks later...

Has someone given them a new box of crayons or

are they playing with the phone again, naughty children:madgrin:

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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How about

 

dear compleatly stupid ltd

 

this is a formal complaint and i request a copy of your complaints procedure when you send your reply acknowlageing this complaint within 7 days

 

i enclose for you a printout of the calls you have made to me since march 2011

you will note that you are calling me every day mon-sat, sometimes twice a day

even though i sent you a letter stating that I WILL ONLY COMMUNICATE WITH YOUR COMANY IN WRITING

a copy of the letter is enclosed

 

a complaint has already been placed with Trading Standards and The Office of fair Trading

if you continue to Harass me i will be taking the matter further with court action

 

now if it is possable that you have someone in the office that can read please note again

 

DO NOT PHONE or TEXT remove my number from your databank,

if you wish to contact me IN WRITING ONLY

 

FURTHER HARASSMENT WILL RESULT IN COURT ACTION

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not only have the phonecalls started again! they are now sending messages by sms to my landline

:mad2::mad2::mad2::mad2:

 

If you are with BT, then you can stop the SMS messages being sent to your LL, it's an 0800 number, and is a simple automated system, press 5 to stop any pathetic voice messages...

http://labby.co.uk/2011/03/disable-bt-text-messages-to-your-landline/

 

Dear Bill&Ben,

 

Thank you for your continued harassment via the telephone. I have reported your foolish actions to the OFT and Trading Standards, as well as Ofcom, and I am currently compiling the evidence for the Police regarding your criminal offence of harassment.

 

You have previously been advised that any and all correspondence with myself must be in writing, this you have ignored and have shown your blatant disregard for the law.

 

Take this letter as my final response on this issue, as you are incompetent in the running of any professional business, and act outside of the law, I will have no further dealings with you, and any future calls to my personal and private land line will result in robust legal action against yourselves.

 

I trust I have made my position perfectly clear, if there is anything you do not understand then you will be well advised to pass this letter to an adult.

 

Valid even if not read by you, you have a moral duty to adhere to this letter.

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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  • 2 weeks later...

have received an apology from CSL,

the person that received my earlier letter did'nt pass it on to the correct department

that person has now left the building,

they will make sure i am not harassed again

 

we wait and see :clock:

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