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    • My mind is a blur so i cant recall exactly what the judge said at the end, but he mentioned that he would be making an order for Evri to make payment to me. I wasn't sure if the court order will also be provided to me, either by post or email - if anyone can shed some light please?
    • Agree with everyone here it's bang to rights. Looks like you just slightly jinked left in order to go right. Ultimately, your time saving attempt is going to cost you as I don't think you have any grounds to appeal. I'd just pay the charge and chalk it up to experience.
    • 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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      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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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Capquest/Abbey/MBNA & Bankruptcy Notice Again.....


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Hi All,

 

Some of you have been helping me with a debt from Capquest, as suggested I asked for a copy of my credit aggreement. Well today I received it, well a tiny part of it (I think), this can be found attached. What I am wondering is, have they sent me the correct information, there just does not seem enough.

 

As well as this I received a copy of my most recent terms and conditions, the thing is these have my new address and not the address which I was at when I took out the agreement, these are on MBNA headed papers.

 

To top it all off they also sent me a copy of someone else's agreement!!!!

 

Thanks in advance!

 

Wayne

aggreement.jpg

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Hi All,

 

Some of you have been helping me with a debt from Capquest, as suggested I asked for a copy of my credit aggreement. Well today I received it, well a tiny part of it (I think), this can be found attached. What I am wondering is, have they sent me the correct information, there just does not seem enough.

 

As well as this I received a copy of my most recent terms and conditions, the thing is these have my new address and not the address which I was at when I took out the agreement, these are on MBNA headed papers.

 

To top it all off they also sent me a copy of someone else's agreement!!!!

 

Thanks in advance!

 

Wayne

 

Does the other persons agreement clearly identify them - name & address?

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IMO although a little biased, that does not confirm to your request for a number of reasons.

But most importantly if they have sent you someone else's agreement, then you MUST report them to the ICO for such a massive breach of personal data, http://www.ico.gov.uk/complaints.aspx

 

Also inform the other person that you have received their info and that they should make a formal complaint about them to the ICO also.

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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I'll get a letter off to the other person and put in a complaint.

 

The credit aggrement that I signed does does have and credit limit stated on it, or APR rates. The other document is definitely not from when I signed the agreement, although this does state the credit limit etc.

 

So what do you all think?

 

Thanks

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IMO although a little biased, that does not confirm to your request for a number of reasons.

But most importantly if they have sent you someone else's agreement, then you MUST report them to the ICO for such a massive breach of personal data, http://www.ico.gov.uk/complaints.aspx

 

Also inform the other person that you have received their info and that they should make a formal complaint about them to the ICO also.

 

Stop pinching what I was going to say! :lol: That's why I asked if they were clearly identifiable!

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A CPR request might be in order, but wait until they have begun to threaten you with 'legal' or 'court' action before sending one of those, besides, there is diddly squat going to happen between now and next February, January at the earliest!

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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You mention Bankruptcy notice in your title, have they actually threatened this ?

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