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    • Before you start this claim you need to have a lot more confidence in what you're doing which means that you need to understand the way forward in the principles involved more thoroughly. We will help you and you will probably get your money back but this is a self empowerment forum and so you have to do your bit as well. Please will you spend at least the next couple of days reading through the stories on this sub- forum. Try to understand them thoroughly. We have lots of stories very similar to yours but even those which are not similar, have principles in them which apply. In particular you need to read and understand the information in the pinned topics at the top of the sub- forum. I know that you have been reading around here for the past couple of hours but it needs a lot more. You aren't in a huge hurry. Wait a few days before sending a letter of claim and also that needs some amendment as well. Come back here when you've done your reading and then we will have a look at your letter of claim and help you to refine it Also, please tell us the value of the laptop. Was it properly declared as a laptop – and was the value properly declared
    • Unsure what would be classed as appeal I first contacted the applicant then IAS. I am not aware I could appeal again as Bank state I was informed that is news to me. I would have to look through the paper work, I apologise I forget so much due to my caring duties wish I had quality time to get so much done. Will try and look tomorrow, appreciate everyone's time and input.
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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.
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Tooth Fairy - loan was for £400 - now £1200!! - on benefits - they say they will take it all!!


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Hello I need some advice urgently,

 

I took out a small pay day loan of £400 iin November with this company, To cut a long story short i now owe 1212 pound,

 

I have spoken to them tonight and i feel like ripping my hair out, They are rude, abusive and seem to have no laws at all..

 

basically Ii am not working since last week and they are asking for my p45 and my proof of jsa. They then said they will take a percentage and would not say how much, I literally have no money coming in so you can guess i am worried..

I am normally pretty good with debt and phone calls to companies but these guys are on another planet

 

Please help

 

Has anyone dealt with these guys before ???

 

Thanks

David

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what!

 

who do they think they are !!!!

 

they have NO legal right to see any of your paperwork NOR any pers financial details...only a judge can order thaT!

they also are NOT entitled to anything more the £1PCM if you are on benefits.

 

STOP talking to these muppets on the phone.

 

WRITING only.

 

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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the thing these payday companies do not realize is the loans are only for 1 month

 

if you fail to pay after thirty days then they send you a default notice, if you fail to rectify then the account goes into limbo as such or flogged to a dca

 

they can add as much charges/ interest as they want, does not make it legal

 

all you end up owing after 30 days plus 14 days with the default notice is the original loan plus contractual interest, say £75 .00

 

THE LOAN CONTRACT IS FOR 30 DAYS SO HOW CAN THEY CLAIM LATE CONTRACTUAL INTERST AND PENALTY CHARGES

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I agree with postggj, plus Section 87 of the CCA act comes into play here, so you can't go down the default and termination route as the whole amount is in arrears.

 

Stay off the phone to them, email them daily with an offer and refuse to fill in any of their Income and Expenditure forms, they do NOT need your P45 they have absolutely no legal right to that, the P45 goes to the DSS (or DWP)

 

Keep everything in email.

 

If you can get an alternative bank account set up get that done pronto, as you are on JSA the Post office is a good bet, or Halifax Easycash.

 

If this went to court a judge would severely query the charges and interest rate and the MOST you would have to pay them would be £1 a month.....

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Hi,

 

Just to add I have had about 14 calls to my mobile since Thursday afternoon, The lady i spoke to this evening also added she wanted prove of my work starting and end dates and if the dates showed any wrong info they would take me to court for fraud!

 

This is accusing me of being a criminal??

 

I was dealing with ndr recovery at first and i had no idea it was passed to another company called marshall hoares So i ignored the 14 calls,

She also added at the end because i was arguing with her that she was starting court action tomorrow as she was sick of talking to me...

 

Grr.. wtf?

 

 

I have read all the posts on here and i feel lost as to what i can do.. should i let it go to court or send money on a monthly basis even thou they refuse to accept what i think i can pay..

 

Thanks..

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Hey, I have cancelled the card i supplied on the initial application and the bank is going to send me a new one.. Its more the stress and no knowing what they can or cannot do..

 

or more importantly what i should do for the best.

 

All feedback is welcome

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THIS IS WHAT YOU DO

 

SEND A TELEPHONE HARASSMENT LETTER AND ANOTHER LETTER STATING YOUR PROPOSALS TO REPAY/ AND WHAT YOUR CURRENT CIRCUMSTANCES ARE

 

ADDRESS IT

 

FORMAL COMPLAINT AS TO YOUR COMPLAINTS PROCEEDURE

 

AS YOU ARE ON BENEFITS, £1.00 A MONTH SHOULD DO IT

 

JUST PAY BACK THE CONTRACTUAL BALANCE YOU WOULD HAVE PAID AT THE END OF THE MONTH, THAT'S ALL

 

SEND BY RECORDED DELIVERY

 

 

 

Your Street

Town

City

Postcode

 

DATE HERE

Company Name

Road

Town

City / County

Postcode

 

Re: Harassment by telephone

 

 

ACCOUNT NUMBER: XXXXXXX

 

Dear Sirs

 

I am writing in relation to the quantity and frequency of telephone callslink3.gif that I have received from your company, which I deem to be personally harassing.

 

I have verbally requested that these stop, but I am still receiving calls.

I now require all further correspondence from your company to be made in writing only.

 

I am of the view that your continued harassment of me by telephone puts you in breach of the Consumer Protection from Unfair Trading Regulations 2008

 

If you continue to harass me by telephone, you will also be in breach of the Communications Act (2003) s.127 and I will report you to OFCOM, Trading Standards and The Office of Fair Trading, meaning that you will be liable to a substantial fine.

 

Be advised that any further telephone callslink3.gif from your company will be recorded.

 

Yours faithfully,

 

 

 

[NAME HERE]

.

.

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Hello and Thankyou

 

i can understand to a point they want the money but its the lack of any compassion or need to even try and listen or help.. The girls attitude and whole manner was horrid, She even accused me of fraud to a point..

 

I have never been spoken to like that on the phone before in my life ever..

 

Can i use harrassment if i visit my solicitor?

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ddbw...

 

can you please start paying attention to what is written in this thread..........

 

you pay them £1 by SO ONLY and

 

no they cannot go to court - you have done nothing wrong.

you should STOP conversing on the phone too.

 

dx

siteteam.

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

you must remember

as you did

you found cag and read other threads

 

just want to make it clear on your options for future readers

 

they dont do court- they cant

 

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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Stand firm, you have no job, you have done nothing wrong. A judge will order a £1 a month, if it ever came to court ( which it wont ) Take the advice offered here, you have spoken to them, sometimes unavoidable, now is the time to refuse to speak to them, everything in writing. Pay your £1 a month, never ever give your card details out and get on with your life. It appears that you were shocked by the way you were spoken too, maybe this has had a unsettling influence on you, time to tell them to take a running jump. Be strong.

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Didn't Toothfairy Finance get heavily fined a couple of months ago for pretty much the same thing as is going on here?

 

Stick to your guns, offer them only what you can afford to pay and if they keep threatening you, threaten them in return with complaints to OFT and Trading Standards!

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