Jump to content


  • Tweets

  • Posts

    • 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.  
  • Recommended Topics

  • Our picks

    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • Hello,

      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.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 161 replies
    • 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
        • Like
  • Recommended Topics

Cap1 & CCA return


tamadus
style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 4972 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

  • Replies 17.3k
  • Created
  • Last Reply

Top Posters In This Topic

Top Posters In This Topic

Posted Images

Now where to start

 

Sorry m reply meant for

Shooter

 

 

Regards

Peter

 

bank balance! (me not you):-D

'rise like lions after slumber, in unvanquishable number, shake your chains to the earth like dew, which in sleep had fall'n on you, ye are many, they are few.' Percy Byshse Shelly 1819

Link to post
Share on other sites

Ah so the documents they sent me to constitute a valid agrrement are missing the statement so it would be unenforceable.

 

shooter,

 

did they send you any t&c's and are they current to the time you applied the card?

 

In all agreements i've seen they always state 'by signing this agrement you agree to be bound by our t&c's.'

 

If the statement re: credit limit is in the t&c's i think it would count.

 

I'm sure peter will verify

 

regards,

shane

____________________________________________

All advice is offered freely & without prejudice

 

 

If my post has been useful to you please click the scales

Link to post
Share on other sites

Yes thats what i meant bank ballance;)

DO NOT PAY UPFRONT FEES TO COLD CALLERS PROMISING TO WRITE OFF YOUR DEBTS

DO NOT PAY UPFRONT FEES FOR COSTLY TELEPHONE CONSULTATIONS WITH SO CALLED "EXPERTS" THEY INVARIABLY ARE NOTHING OF THE SORT

BEWARE OF QUICK FIX DEBT SOLUTIONS, IF IT LOOKS LIKE IT IS TO GOOD TO BE TRUE IT INVARIABLY IS

Link to post
Share on other sites

Now where to start

 

Sorry m reply meant for

Shooter

 

 

Regards

Peter

 

Hi i will post the links to the image so you could download or zoom them.

 

http://i202.photobucket.com/albums/aa43/shooter8777/page1001-1.jpg

http://i202.photobucket.com/albums/aa43/shooter8777/page3001-1.jpg

http://i202.photobucket.com/albums/aa43/shooter8777/page2001.jpg

 

If you have any probs I know you can right click and choose save as then you can open them in a windows application other than explorer.

 

regards,

 

Craig.

Link to post
Share on other sites

shooter,

 

did they send you any t&c's and are they current to the time you applied the card?

 

In all agreements i've seen they always state 'by signing this agrement you agree to be bound by our t&c's.'

 

If the statement re: credit limit is in the t&c's i think it would count.

 

I'm sure peter will verify

 

regards,

shane

Hi

Sorry Shane

 

All Prescribed terms have to be within the agreement not an outside sheet see section 2 of the regulations.there can be no linking to T and cs or anything esle if it isnt in the agreement it does not count as being part of the agreement, having the notice "in signing this i agree to be bound by some other peice of paper that you could have substtuted for the combined workes of Enid Blighton and put Tand c's on top" does not count if you havn't signed it it don't count no sir.

 

Sorry time to rest

 

Best regrds

Peter

  • Haha 1

DO NOT PAY UPFRONT FEES TO COLD CALLERS PROMISING TO WRITE OFF YOUR DEBTS

DO NOT PAY UPFRONT FEES FOR COSTLY TELEPHONE CONSULTATIONS WITH SO CALLED "EXPERTS" THEY INVARIABLY ARE NOTHING OF THE SORT

BEWARE OF QUICK FIX DEBT SOLUTIONS, IF IT LOOKS LIKE IT IS TO GOOD TO BE TRUE IT INVARIABLY IS

Link to post
Share on other sites

shooter,

 

did they send you any t&c's and are they current to the time you applied the card?

 

In all agreements i've seen they always state 'by signing this agrement you agree to be bound by our t&c's.'

 

If the statement re: credit limit is in the t&c's i think it would count.

 

I'm sure peter will verify

 

regards,

shane

 

the images I posted above are all i got sent and some parts are completely unreadable.

 

regards,

 

craig.

Link to post
Share on other sites

Hi

Sorry Shane

 

All Prescribed terms have to be within the agreement not an outside sheet see section 2 of the regulations.there can be no linking to T and cs or anything esle if it isnt in the agreement it does not count as being part of the agreement, having the notice "in signing this i agree to be bound by some other peice of paper that you could have substtuted for the combined workes of Enid Blighton and put Tand c's on top" does not count if you havn't signed it it don't count no sir.

 

Sorry time to rest

 

Best regrds

Peter

 

 

no worries peter, always glad to be corrected! especially in this instance as its in favour of debtors rather than creditors!

 

Well, there you have it shooter, unless somewhere on the agreement they have stated the credit limit will be forthcoming in lieu of not specifying it, the the judge will be precluded from making an enforcement order.

____________________________________________

All advice is offered freely & without prejudice

 

 

If my post has been useful to you please click the scales

Link to post
Share on other sites

Hi Shane

Sorry the last post came out a bit snotty.

 

It's my age i suppose

 

Best regards

Peter

DO NOT PAY UPFRONT FEES TO COLD CALLERS PROMISING TO WRITE OFF YOUR DEBTS

DO NOT PAY UPFRONT FEES FOR COSTLY TELEPHONE CONSULTATIONS WITH SO CALLED "EXPERTS" THEY INVARIABLY ARE NOTHING OF THE SORT

BEWARE OF QUICK FIX DEBT SOLUTIONS, IF IT LOOKS LIKE IT IS TO GOOD TO BE TRUE IT INVARIABLY IS

Link to post
Share on other sites

Hi Shane

Sorry the last post came out a bit snotty.

 

It's my age i suppose

 

Best regards

Peter

 

not at all peter, I'll always want to be corrected when I overlook something, hopefully this way i won't loose to often in court! :-D

 

hope you had a good rest!

 

regards,

shane

____________________________________________

All advice is offered freely & without prejudice

 

 

If my post has been useful to you please click the scales

Link to post
Share on other sites

http://www.consumeractiongroup.co.uk/forum/legalities/11659-how-get-your-default.html?highlight=default

 

try this thread, there are quite afew now on defaults and the related issues, I will be there somewhere also! good luck:)

'rise like lions after slumber, in unvanquishable number, shake your chains to the earth like dew, which in sleep had fall'n on you, ye are many, they are few.' Percy Byshse Shelly 1819

Link to post
Share on other sites

Sorry for interupting guys - just a little question - putting aside the CCA stuff.

 

If say I've a default issued in say 2000 - can the same firm renew it in 2006 as a new default with a new 5 year time span? Can they do this?

 

I wouldn't have thought so, how can you default the same agreement twice?

Link to post
Share on other sites

HI

I am firmly of the opinion that if the prescribed terms are not contained within the agreement as required by section 2 of the regs then they are not in the agreement and it is unenforceable.

Saying "when is sign this means i have read " is not enough. The document you sign must contain those particular sections or it is not correctly executed the regulations make this clear on several occasions.

Thinking about it what does it mean that you agree you have read***

could be anythng as long as it says T and cs on the top. No you need to have read and they need to be able to prove you have read the particular information that is rquired and the only way to do thatis to produce a signature on that documen at the time of execution.

 

 

As per cancellaton in the new agreement regs if an agreement is none cancelable it has to say so on the agreement so that simplifies the matter.

 

As far as pre 2005 aggreemets the critera is as stated earlier or again on my agreement enforceability thread. Bear in mind that most credit card companies although not officialy required to give cancellaion rights do so any way and if the box next to your signature says," when you sign you wil have a short time to cancell we will advis etc "then the agreement can be treated as any other cancellable agreement with all the requirements of sending cancellation rights.

 

As for Egg i have not dealt with many of these i think from what i have sen they are mostly on line appications which prior to Oct ober 2004 would have had no compulsarry cancellation rights after that date however the would need to comply with the distance marketing regulation and give a 14 days cancellation period.

 

REgards

Peter

 

 

Thanks for your reply Peter- I think you have clarified it!!;)

Any feeling that I`ve helped you today- then add to my reputation and click those scales!

Link to post
Share on other sites

Hi

Sorry Shane

 

All Prescribed terms have to be within the agreement not an outside sheet see section 2 of the regulations.there can be no linking to T and cs or anything esle if it isnt in the agreement it does not count as being part of the agreement, having the notice "in signing this i agree to be bound by some other peice of paper that you could have substtuted for the combined workes of Enid Blighton and put Tand c's on top" does not count if you havn't signed it it don't count no sir.

 

Sorry time to rest

 

Best regrds

Peter

 

Peter, can you email please a copy of the regs please? I'll PM my email address because you have not replied ot my emails recently, so maybe I have your old one.

 

My TS told me that the agreement can be over 2 pages (ie, prescribed terms on one and sig on another) they also told me that they think it's ok for them to give me an online print of the T and C's that were relevant at the time, rather than the ones that were applied to the agreement. the lender in question say that they don't send T and C's out but the agreement says they are enclosed.

 

TS did also say thought that it is up to a court to decide. (What is the point of them then?)

 

I could do with talking to you about this. I have not been keeping up this thread as much as I used to due to personal commitments.

Disclaimer: Anything I write in these forums is my personal opinion and offered without prejudice. If in doubt, please seek independent legal advice.

 

*If what I have told you in this post has helped, please press the star at the bottom left and tell me!!*

 

My charges claims:

un1boy vs egg *SETTLED* | Un1boy vs LTSB-SETTLED | un1boy vs Black Horse-SETTLED | Un1boy v Smile *WON* | un1boy v HSBC - SETTLED! | Un1boy's HSBC CC - SETTLED! | Un1boy vs Co-Op *SETTLED* |un1boy vs Co-Op CC *SETTLED*

 

Default removals:

un1boy v Equifax - Default removal

un1boy vs Experian - Default removal

Link to post
Share on other sites

Sorry for interupting guys - just a little question - putting aside the CCA stuff.

 

If say I've a default issued in say 2000 - can the same firm renew it in 2006 as a new default with a new 5 year time span? Can they do this?

 

They can't renew it. The next step if you didn't keep up repayments is court.

 

The default is only lawful if they sent a default notice which complies with section 86 (i think) of the CCA....if they didn't then it's not lawful!

Disclaimer: Anything I write in these forums is my personal opinion and offered without prejudice. If in doubt, please seek independent legal advice.

 

*If what I have told you in this post has helped, please press the star at the bottom left and tell me!!*

 

My charges claims:

un1boy vs egg *SETTLED* | Un1boy vs LTSB-SETTLED | un1boy vs Black Horse-SETTLED | Un1boy v Smile *WON* | un1boy v HSBC - SETTLED! | Un1boy's HSBC CC - SETTLED! | Un1boy vs Co-Op *SETTLED* |un1boy vs Co-Op CC *SETTLED*

 

Default removals:

un1boy v Equifax - Default removal

un1boy vs Experian - Default removal

Link to post
Share on other sites

Peter, can you email please a copy of the regs please? I'll PM my email address because you have not replied ot my emails recently, so maybe I have your old one.

 

My TS told me that the agreement can be over 2 pages (ie, prescribed terms on one and sig on another) they also told me that they think it's ok for them to give me an online print of the T and C's that were relevant at the time, rather than the ones that were applied to the agreement. the lender in question say that they don't send T and C's out but the agreement says they are enclosed.

 

TS did also say thought that it is up to a court to decide. (What is the point of them then?)

 

I could do with talking to you about this. I have not been keeping up this thread as much as I used to due to personal commitments.

 

Hi

Uni

As if i would ignore you

I have trried to send the 1983/1553 on several occasions but they keep coming back.

I will try again if you want to email me on

[email protected]

 

I will try it by return

 

Regards

Peter

DO NOT PAY UPFRONT FEES TO COLD CALLERS PROMISING TO WRITE OFF YOUR DEBTS

DO NOT PAY UPFRONT FEES FOR COSTLY TELEPHONE CONSULTATIONS WITH SO CALLED "EXPERTS" THEY INVARIABLY ARE NOTHING OF THE SORT

BEWARE OF QUICK FIX DEBT SOLUTIONS, IF IT LOOKS LIKE IT IS TO GOOD TO BE TRUE IT INVARIABLY IS

Link to post
Share on other sites

Peter, can you email please a copy of the regs please? I'll PM my email address because you have not replied ot my emails recently, so maybe I have your old one.

 

My TS told me that the agreement can be over 2 pages (ie, prescribed terms on one and sig on another) they also told me that they think it's ok for them to give me an online print of the T and C's that were relevant at the time, rather than the ones that were applied to the agreement. the lender in question say that they don't send T and C's out but the agreement says they are enclosed.

 

TS did also say thought that it is up to a court to decide. (What is the point of them then?)

 

I could do with talking to you about this. I have not been keeping up this thread as much as I used to due to personal commitments.

 

HI

Yes the agreement document can be over as many pages as it takes but the pages must be part of the same document not a differnt document Heade terms and conditins.

 

Look at it another way section 62-63 say that when you sign you should be given a copy of your agreement this is the Tand cs. So at that point you will have two documents. When you request a true copy of the agreement, you are asking for just that not the copy one or two which are in fact just information about your agreement but a copy of the leagally binding document you signed.

After all if therei s no information on the agreement itself then what is "The Copy" a copy of?

 

Best regards

Peter

DO NOT PAY UPFRONT FEES TO COLD CALLERS PROMISING TO WRITE OFF YOUR DEBTS

DO NOT PAY UPFRONT FEES FOR COSTLY TELEPHONE CONSULTATIONS WITH SO CALLED "EXPERTS" THEY INVARIABLY ARE NOTHING OF THE SORT

BEWARE OF QUICK FIX DEBT SOLUTIONS, IF IT LOOKS LIKE IT IS TO GOOD TO BE TRUE IT INVARIABLY IS

Link to post
Share on other sites

Hi

Uni

As if i would ignore you

I have trried to send the 1983/1553 on several occasions but they keep coming back.

I will try again if you want to email me on

[email protected]

 

I will try it by return

 

Regards

Peter

 

Cheers, I wasn't implying you were ignoring me!!

 

I'll email you when I get hom, if that's ok? No access to my emails here!

Disclaimer: Anything I write in these forums is my personal opinion and offered without prejudice. If in doubt, please seek independent legal advice.

 

*If what I have told you in this post has helped, please press the star at the bottom left and tell me!!*

 

My charges claims:

un1boy vs egg *SETTLED* | Un1boy vs LTSB-SETTLED | un1boy vs Black Horse-SETTLED | Un1boy v Smile *WON* | un1boy v HSBC - SETTLED! | Un1boy's HSBC CC - SETTLED! | Un1boy vs Co-Op *SETTLED* |un1boy vs Co-Op CC *SETTLED*

 

Default removals:

un1boy v Equifax - Default removal

un1boy vs Experian - Default removal

Link to post
Share on other sites

HI

Yes the agreement document can be over as many pages as it takes but the pages must be part of the same document not a differnt document Heade terms and conditins.

 

Look at it another way section 62-63 say that when you sign you should be given a copy of your agreement this is the Tand cs. So at that point you will have two documents. When you request a true copy of the agreement, you are asking for just that not the copy one or two which are in fact just information about your agreement but a copy of the leagally binding document you signed.

After all if therei s no information on the agreement itself then what is "The Copy" a copy of?

 

Best regards

Peter

 

I don't understand......so, if the agreement they sent has one page with the prescribed terms on, and one with the sig....then that's ok as an agreement?

 

and, the t and c's can be an online print out headed "terms and conditions dated xx" And that's ok too?

 

Sorry if I'm being thick, lol.

Disclaimer: Anything I write in these forums is my personal opinion and offered without prejudice. If in doubt, please seek independent legal advice.

 

*If what I have told you in this post has helped, please press the star at the bottom left and tell me!!*

 

My charges claims:

un1boy vs egg *SETTLED* | Un1boy vs LTSB-SETTLED | un1boy vs Black Horse-SETTLED | Un1boy v Smile *WON* | un1boy v HSBC - SETTLED! | Un1boy's HSBC CC - SETTLED! | Un1boy vs Co-Op *SETTLED* |un1boy vs Co-Op CC *SETTLED*

 

Default removals:

un1boy v Equifax - Default removal

un1boy vs Experian - Default removal

Link to post
Share on other sites

I don't understand......so, if the agreement they sent has one page with the prescribed terms on, and one with the sig....then that's ok as an agreement?

 

and, the t and c's can be an online print out headed "terms and conditions dated xx" And that's ok too?

 

Sorry if I'm being thick, lol.

HI

 

There is no prescribed form for a heading within the regulations that says Terms and conditions so the "Term" should not even be in the agreement.

The agreement document may go over several pages it is a long document when it contains all it should but the document pages should be part and parcel of the agreement Page 1 page 2 page3 etc.

A document headed T and cs is a different document and as such cannot be linked to from within the agreement.

 

As for the online query yes many companies do put their Tand c's on line but access to these is not the same as haveing a true copy of your agreement they are just information sheets.

 

Regards

Peter

DO NOT PAY UPFRONT FEES TO COLD CALLERS PROMISING TO WRITE OFF YOUR DEBTS

DO NOT PAY UPFRONT FEES FOR COSTLY TELEPHONE CONSULTATIONS WITH SO CALLED "EXPERTS" THEY INVARIABLY ARE NOTHING OF THE SORT

BEWARE OF QUICK FIX DEBT SOLUTIONS, IF IT LOOKS LIKE IT IS TO GOOD TO BE TRUE IT INVARIABLY IS

Link to post
Share on other sites

style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 4972 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Guest
This topic is now closed to further replies.
  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...