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    • Is the letter headed Letter of Claim/before Claim or similar? If not, it sounds like more of the threatogram chain. If you're not sure, post up an anonymised copy of the letter and we'll check. HB
    • So guess what, we have received a final demand letter for £100. It states if payment is not made by 11/06 they will have no option but to forward the case to their litigation dept with a view to commence County Court Proceedings. So just wondering if anyone has any advice. Do we ignore this? or do we need to take action? Thanks 
    • hi dx, thanks for helping just re-reading everything this morning and I must have missed this one from uncle in his thread "What you should not do, is not contact the Banks and simply default on payments. "  are you in disagreement with this based on your last sentence?
    • Thanks for the reply and clarification, that might just explain why in my case contact has pretty much ceased. Though with such companies it doesn't mean they won't ever threaten to return to court as a tool to force one's hand if they feel they are not self informed on their chances etc.  But concerning how last year they tried to use the CCJ to get a charging order and the court granted an intirum order on our mortgage using the CCJ that would have been a good 2-3 months beyond the 6 years, should the court not have checked the age of the CCJ in the first case or would they always grant an interim order simply off the back of a CCJ being produced without even checking the age of it?.  Had I not defended that action at the time they may well have got a default using a CCJ older than 6 years which could be a concern going forwards. At the time when I contacted the court to question the paperwork for a final order application the clerk suggested people don't get informed when companies apply for interim charging orders, they are automatic if a claimant has a CCJ and people only get contacted once a date for a final order application goes through. kind of begs the question if such companies can continue a seemingly backdoor method to attempt default action if un-defended if the initial application doesn't need to check the age of a CCJ?.
    • Hello!  Wondering if someone can help with this.  I suspect not but worth a go.  I appreciate the "contract is with the seller" line, which is what Evri has fed me but wanted to see if someone with experience in these things could suggest anything else I could do here.  I appreciate there are many topics about lost parcels - My parcels weren't lost, until the driver walked up to my door with them and then decided to make them lost/stolen... I'll summarise what has happened.  Wednesday of last week - Evri delivery driver stole / walked off with 3 of my parcels.  -  Arrived outside my properly, took photos (3 separate photos as its 3 separate deliveries) of the tops of the parcels (pointlessly zoomed in on just the labels, couldn't see anything else, other than a small piece of the pavement and a little weed, which doubly confirms it was outside my door as I can see the same plant), marked the order as delivered and walked off with them.  He's marked on the Evri GPS marked that he was outside.   -  3 different deliveries, from the same company (same boxes etc.), but 3 separate tracking numbers. -  Went through the Evri bot which opened a case on each tracking number.  I then phoned them and left a voicemail explaining what had happened. -  24 hours later had a canned response asking me if the packages had turned up and to check around etc..  I responded explaining again what happened and that they've definitely been taken. -  4 days later,  this morning, I get a response telling me to ask the merchant to refund me. I've responded to this message with a long email, repeating what I said, that I believe the driver has stolen these packages and that he took those suspicious top down shots of the packages, marked them as delivered without ringing or knocking etc.  I've said that I expect them to investigate further, but I gather they won't. In my several messages to them initially and later, I told them I don't care about a refund and wanted the parcels.  They contain some sentimental stuff, nothing of high monetary value, hence me going to this trouble.  I only paid £25 for the contents. I did contact the merchant when this first happened and they asked me to wait a few days.  They ended up refunding me despite me asking them not to and that I wanted them to escalate it with Evri because this appears to be a case of theft.  They didn't seem bothered - Refunded me and told me to go back to Evri and escalate it with them? So - Is there any way to compel Evri to conduct a proper investigation with this driver?  Search for my parcels? I have quite a lot of deliveries handled by Evri (not out of choice) - They used to have a fantastic chap and I rarely had any issues.  He has been replaced by a new guy and I believe the route is handled by this same guy who I believe has taken my packages.  Naturally, I fear this is going to happen again in the future if no investigation occurs. Appreciate any assistance - Thanks for reading. Al.  
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      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

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    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
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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.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Threat of Reposession from First Plus Solicitors **SUSPENDED**


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Hi there, it depends whether you can afford a lump sum? it's not up to the lender to decide whether your offer is reasonable - it's the judge who will decide that and he has the power to say how long the arrears repayment term should be. In any case, it's unlikely that you do owe £10k as there will have been charges added in. You won't know how much till you get the statement you have asked for in the letter.

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Thanks for coming through to me.

I am a bit confused because the way the solicitor put it was if my offer was acceptable to FirstPlus then they would apply for a suspended order otherwise they would be pushing for a full possession order.

I suppose i'm thinking that I want them to agree a payment proposal so it should look as attractive as possible to them. I don't have a lump sum but a friend would lend me some money if it helped. I definately want to repay the debt.

Do you think if they refuse any proposal I make that they will then proceed to court looking for a full possession order that I will have to defend?

It has struck me that FP can set the bar as high as they like on this.

 

Thanks Again

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Thanks for coming through to me.

I am a bit confused because the way the solicitor put it was if my offer was acceptable to FirstPlus then they would apply for a suspended order otherwise they would be pushing for a full possession order.

I suppose i'm thinking that I want them to agree a payment proposal so it should look as attractive as possible to them. I don't have a lump sum but a friend would lend me some money if it helped. I definately want to repay the debt.

Do you think if they refuse any proposal I make that they will then proceed to court looking for a full possession order that I will have to defend?

It has struck me that FP can set the bar as high as they like on this.

 

Thanks Again

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A mistake people often make is in offering a payment proposal that they think the lender wants to hear - rather than one they can afford. They usually end up in the same situation a few months down the line because they struggle to keep to the arrangement.

 

It's best to make a realistic proposal and one you think you could keep to. If you borrowed money from your friend would you be able to pay it back and also keep making the monthly payments?

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A mistake people often make is in offering a payment proposal that they think the lender wants to hear - rather than one they can afford. They usually end up in the same situation a few months down the line because they struggle to keep to the arrangement.

 

It's best to make a realistic proposal and one you think you could keep to. If you borrowed money from your friend would you be able to pay it back and also keep making the monthly payments?

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Please consider making a donation, however small, if you have benefited from advice on the forums

 

 

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It's very unlikely that a judge would order possession at the first time of asking - also, if your main mortgage is up to date that will go in your favour. Get the letter off to them asap and lets see what they say - then we'll know what we have to deal with.

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It's very unlikely that a judge would order possession at the first time of asking - also, if your main mortgage is up to date that will go in your favour. Get the letter off to them asap and lets see what they say - then we'll know what we have to deal with.

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Please consider making a donation, however small, if you have benefited from advice on the forums

 

 

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Thanks again I'm sorry to be a pain and ask the same thing over and over again. I'll try and take one step at a time.

Maybe I should concentrate my mind on my work for a while as I am going to be very dependent on it.

 

Be in touch

W6

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Thanks again I'm sorry to be a pain and ask the same thing over and over again. I'll try and take one step at a time.

Maybe I should concentrate my mind on my work for a while as I am going to be very dependent on it.

 

Be in touch

W6

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It's only natural that your mind will flick from one scenario to another - it's a very stressful situation to be in. Please don't be afraid to ask questions (even if it's the same ones again) - we understand how you must be feeling and you will get plenty of support from the folks on this site.

 

As I said, lets see what response you get to their letter - you need to get it sent asap (special delivery).

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Please consider making a donation, however small, if you have benefited from advice on the forums

 

 

This site is run solely on donations

 

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It's only natural that your mind will flick from one scenario to another - it's a very stressful situation to be in. Please don't be afraid to ask questions (even if it's the same ones again) - we understand how you must be feeling and you will get plenty of support from the folks on this site.

 

As I said, lets see what response you get to their letter - you need to get it sent asap (special delivery).

Help us to keep on helping

Please consider making a donation, however small, if you have benefited from advice on the forums

 

 

This site is run solely on donations

 

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No, you make the offer first in the letter and see what happens.

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Please consider making a donation, however small, if you have benefited from advice on the forums

 

 

This site is run solely on donations

 

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No, you make the offer first in the letter and see what happens.

Help us to keep on helping

Please consider making a donation, however small, if you have benefited from advice on the forums

 

 

This site is run solely on donations

 

My advice is based on my opinion and experience only. It is not to be taken as legal advice - if you are unsure you should seek professional help.

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Hi

 

Just a quick update. I deleivered the I&E Form plus my proposal to pay the arrears to the solicitors office by hand by the deadline Wednesday 4th. I prepared a receipt and have got it signed and stamped.

I also sent the letters to FP - the I&E, the proposal and a request for a breakdown of the arrears figure. These went Special Delivery they and are due for delivery today.

My proposal was - £1000 lump sum followed up with standard monthly repayment plus an extra £100 per month going forwards.

I am thinking now maybe I shuold just send the £1000 to FP anyway as a show of good faith? What do you think?

This waiting is driving me mad.

 

W6

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Hi

 

Just a quick update. I deleivered the I&E Form plus my proposal to pay the arrears to the solicitors office by hand by the deadline Wednesday 4th. I prepared a receipt and have got it signed and stamped.

I also sent the letters to FP - the I&E, the proposal and a request for a breakdown of the arrears figure. These went Special Delivery they and are due for delivery today.

My proposal was - £1000 lump sum followed up with standard monthly repayment plus an extra £100 per month going forwards.

I am thinking now maybe I shuold just send the £1000 to FP anyway as a show of good faith? What do you think?

This waiting is driving me mad.

 

W6

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I wouldn't send the money just yet. Wait for confirmation that they have accepted your proposal.

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Please consider making a donation, however small, if you have benefited from advice on the forums

 

 

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I wouldn't send the money just yet. Wait for confirmation that they have accepted your proposal.

Help us to keep on helping

Please consider making a donation, however small, if you have benefited from advice on the forums

 

 

This site is run solely on donations

 

My advice is based on my opinion and experience only. It is not to be taken as legal advice - if you are unsure you should seek professional help.

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