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    • Yeeeeees! Well done on your victory!  👏
    • Hearing held today in court. I attended in person and Evri had an advocate attend on their behalf to defend their position that my contract is with Packlink and not with them. I also provided a copy of Evri's terms and conditions which explains that a contract is entered into when a parcel is sent with Evri. The judge pointed this out to the Advocate and agreed there is a contract between me and Evri under the Ts and Cs. The judge explained that while Packlink are responsible for organising the delivery of the item, it is Evri who are responsible for handling the goods and delivering them, and therefor Evri has a responsibility to handle the goods with reasonable care and skill. So am pleased to say the judge found in my favour. Hearing lasted about 75mins. Evri has been ordered to make payment within 21 days. Also nice to meet @jk2054 in person.
    • Good morning,    I just wanted to update you on the situation.    I have visits piling up with my current employment and they need doing before I finish at the end of this month.  I am moving to Wiltshire in 3 weeks for a new job helping care homes with their Dementia patients. I tried to work it out and at a guess I will be doing about 20-25,000 miles a year. So need a vehicle that can cope with that mileage, my old car would have done it easy but 🤷‍♂️ I have taken out a loan and got a friend to find me a reliable car that can cope with the miles and hasn't been written off in the past.   I phoned Adrian flux to see if I could use the last months insurance on a new car I have bought, the girl I spoke to phoned Markerstudy and asked them but they said no, my new car doesn't have any modifications.    I had an email from someone who saw one of my appeals for information, they live near the site of the accident and know a nearby farmer who has a security camera at his entrance that catches the traffic and specifically registration plates as he has been robbed before. They said they would reach out for me and see if he still has the data. Unfortunately it wont catch the scene of the crash.   The Police phoned me and said they were closing the report I made, even if they found footage of the vehicle at the time I said the actual incident would be my word vs theirs.  My first response was I am sure google maps would show that they turned around at that location which would verify my version of events, but upon reflection I do understand, I have seen people doing make up with both hands while driving, eating from a bowl steering with their knees and veering all over the place. I am sure some of these people go off the road and claim that someone forced them off.    Markerstudy phoned me yesterday to say that my car is now at Copart, the £80 tank of Vpower diesel was emptied on entry to the site for safety reasons, which I get but it sucks.  It is awaiting being assessed and shouldn't be too long, which is a relief.  I am really glad things do not seem to be going the way of the other stories and they seem to moving quickly.   However I was informed that my car was a structural write off before I bought it - this destroyed me, I was almost sick.  and this is going to affect any offer of money - after hearing the first statement this didn't affect me.   They need to wait for the assessor to check it over but it is highly likely to be written off and the maximum they can offer is £2300.  I was desperate for a car as I was working for an agency at the time, no work no pay, and did not do a vehicle check because I didn't know about them.  The seller did not tell me that it had been structurally written off, he told me that it had the front wing damaged while parked and was repaired at an approved repairer.  Markerstudy records state that it was sold at auction, no record of repair at an approved repairer.  I bought it bank transfer with hand written receipt.    It gets worse.    It turns out my airbags should of gone off. For some reason they are not working. I think we can figure out why.  If I had hit that car head on and had no airbags.    Some good news.    I can arrange a time with Copart to go and take my stereo equipment and any personal items that are left in the car only. I cant live without music and need quality sound, my speakers and amps are Hertz and JLaudio, (no I am not a boy racer with booming subs, I am an audiophile on a budget) I was really worried I wouldn't get them back so this is a huge relief for me. It is stuff I have built up over years of saving and collecting. Everything to do with the vehicle and mods I have declared need to stay to be assessed.   The accident has gone as a fault on my record, I have to remove 2 years NCB which means I still have some to declare which is good.  So it appears at this point that it may be resolved quickly, not in the way I was hoping, but not as bad as I presumed it was going to be based upon that tow truck drivers attitude and behaviour and the horror stories I read.   I am not going to buy the car back and try to make money with all the parts on it, I don't have the time or energy.   I may need an xray on my back and neck.  The whole situation has left me feeling physically sick, drained and I need it done.   The lesson learnt from this  -  My conscience is 100% clear, my attitude to safety and strong sense of personal responsibility - A rated tyres even if on credit card, brake fluid flush every year, regular checks of pads and discs, bushes etc, made avoiding what I believed to be a certain broadside collision possible.   Get a dashcam (searching now for the best I can afford at the moment)  -  Research your insurance company before you buy  -  Pay for total car check before you go and see a car and take someone with you if you are not confident in your ability to assess a vehicle.      Thank you to everyone here who volunteers their time, energy and information, it is greatly appreciated.  You helped my sister with some advice a while ago but we weren't able to follow through, she is struggling with long term health conditions and I ended up in hospital for a while with myocarditis, when I got out and remembered it was too late.  I am going to make a donation now, it is not a lot, I wish I could give more, I will try to come back when things are on a more even keel.    Take care
    • It seems the solicitor has got your case listed for this “appeal” but not for the Stat Dec(SD). You need to ensure you can perform your SD on the day. If you are able to make your SD in court, the situation you are in now is more straightforward than if you made your SD via a solicitor. You have been convicted of two offences (and two were dropped) via proceedings of which you were not aware. The way to remedy that is to perform an SD. No appeal is necessary (nor is it available via the magistrates’ court). If you are able to make your SD this is how I see it panning out: You will make your SD to the court. The court must allow you to make it as it will have been made within 21 days of you discovering your convictions. You will then be asked to enter pleas to the four charges again. At this point you should plead not guilty to all four but make the court aware that you will plead guilty to the speeding charges on the condition that the FtP charges are dropped. The prosecutor will be asked whether or not this is agreed. In my opinion the overwhelming likelihood is that it will be. If it is you will be sentenced for the two speeding offences under the normal guidelines. In the unlikely event it is not accepted,  the speeding charges will be withdrawn (they have no evidence you were driving). You have no viable defence to the FtP charges and so should plead guilty. This will mean 12 points and a “totting up” ban (as you have already suffered). You can present an “Exceptional Hardship” argument to try to avoid this (explained below).   Because of this, I don’t see any need to make an argument to ask to have any ban suspended (pending an appeal to the Crown Court) unless and until you are banned again. The only reason I can think the solicitor suggested this is to secure a (Magistrates')  court date. I was surprised when you said you had an appointment so quickly; a date for an SD usually takes longer than that. However, if you can use it to your advantage, all well and good. I can’t comment on the argument that the two speeding offences were committed “on the same occasion” as I don’t have the details. That phrase is not defined anywhere and is a matter for the court to decide. It’s an interesting thought (and only that) that such an argument could equally be made for the two FtP offences. If the requests for driver’s details arrived at your old address at the same time, with the same deadline for reply, it could be argued that you failed to respond to hem both “on the same occasion” (i.e when the 28 days to respond expired) and so should only receive penalty points for one. Hopefully you won’t need to go there. I think you have information about avoiding a “totting up” ban. But here’s the magistrates’ latest guidance on "Exceptional Hardship" (EH) which they refer to: When considering whether there are grounds to reduce or avoid a totting up disqualification the court should have regard to the following: It is for the offender to prove to the civil standard of proof that such grounds exist. Other than very exceptionally, this will require evidence from the offender, and where such evidence is given, it must be sworn. Where it is asserted that hardship would be caused, the court must be satisfied that it is not merely inconvenience, or hardship, but exceptional hardship for which the court must have evidence; Almost every disqualification entails hardship for the person disqualified and their immediate family. This is part of the deterrent objective of the provisions combined with the preventative effect of the order not to drive. If a motorist continues to offend after becoming aware of the risk to their licence of further penalty points, the court can take this circumstance into account. Courts should be cautious before accepting assertions of exceptional hardship without evidence that alternatives (including alternative means of transport) for avoiding exceptional hardship are not viable; Loss of employment will be an inevitable consequence of a driving ban for many people. Evidence that loss of employment would follow from disqualification is not in itself sufficient to demonstrate exceptional hardship; whether or not it does will depend on the circumstances of the offender and the consequences of that loss of employment on the offender and/or others. I must say, I still do not understand what the solicitor means by “As a safeguard we have lodged the appeal and applied to suspend your ban pending appeal due to the time limit for being able to automatically appeal without getting leave of the Judge.” When they speak of “leave of the judge” I assume they mean they have lodged an appeal with the Crown Court. I don’t know what for or why they would do this. It seems to follow on from their explanation of the “totting up” ban. If so, I’m surprised that the Crown Court has accepted an appeal against something that has not yet happened. But as I said, i is no clear to me. Only you can decide whether to employ your solicitor to represent you in court. If it was me I would not because there is nothing he can say that you cannot say yourself. However, I am fairly knowledgeable of the process and confident I can deal with it. That said, I do have a feeling that the solicitor is somewhat “over egging the pudding” by introducing such things as appeals to the Crown Court which, in all honesty, you can deal with if they are required. I can only say that the process you will attempt to employ is by no means unusual and all court users will be familiar with it. I can also say that I have only ever heard of one instance where it was refused. In summary, it is my view that it is very unlikely that your offer to do the deal will be refused. If it is accepted, you may be able to persuade he court that the two speeding offences occurred "on the same occasion" and so should only receive one lot of points. Let me know the details (timings, places, etc) and I'll give you my opinion. Just in case your offer is refused, you should have your EH argument ready. Whether it's worth paying what will amount to many hundreds of pounds to pay someone to see this through is your call.  Let me know if I can help further.    
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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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hello everyone.

 

we have just registered with this site after reading the struggles suffered by you all and the many similarities to our problems caused mainly by the greedy, unnecessary charges made from our relative banks.

We have been aware about the refunding of charges for a long time but

were under the impression that this practice were a rarity aimed at a few

select unfortunate individuals.

 

the threads posted by you all have giving us the belief to challenge these charges head on ! so many thanks to the site and to all you who offer such good advise. We will be requesting our missing statements tomorrow and will post a more personalized thread a.s.a.p.

 

thanks

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  • 2 weeks later...

cheers for response,

its nice to know you are not alone in our battles!!

i have just posted a new thread but was not sure how to copy you in?(any advise)

we have our statements back with little fuss and £ 5360 of charges to claim. but i am unsure of weather we should claim it all back due to this amount exceeding the small claims court limit. any advise..

how do i cc the thread??

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can you believe it!!!!, a offer on two accounts have just arrived after only 4 days,but it all seems a bit fast compared to other peoples struggles..

heres how it has gone so far.....

 

Tuesday 03.10.06 sent preliminary approach for payment total £4956 over three accounts.

 

Thursday 05.10.06 received confirmation they have received our request and will investigate and will respond within 40 days.....

 

Saturday 07.10.06 received two offers on two accounts,both as a gesture of goodwill for 6 months worth of charges, one for £1375.00 and one for £887.00

so total amount £2257.00 with the following conditions.

"these charges have been offered as a full and final settlement of your complaint"

 

"you have also requested information on how we calculate our costs.we are not obliged under the data protection act to supply this information as it is commercially sensitive,so cannot comply with your request."

 

"If you remain unhappy with your concerns please contact the financial ombudsman service"

 

"to accept our offer please sign and return the enclosed acceptance form"...

 

Help!!!!! what do we do know ...

 

I cannot believe they have made these offers after only a couple of days, and whilst these are pretty generous, they only account for approx 45-50% of the charges made to our acounts....

 

Do we accept the offer, with the possibility of not receiving another improved offer?????

Or do we wait till our mentioned deadline in our fist letter and issue the LBA, acknowledging the offers made but demanding the full amount within a further 14 days.?????

please any advise will be much aprreciated......

 

thanks Adam and nic

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Guest ian cognito

All standard stuff (although not necessarily all as speedy), here's a reply from the template library

 

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/25716-rejection-settlement-offer.html you will have to alter it to suit the stage you are at.

 

Keep to your timetable so if it ever gets to court you have the proof that you gave them every opportunity to settle in full.

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thanks for your response and links

 

we are Still a little unsure as how to procede next...???

 

do we send the settlement rejection letter tommorow,thank them for the offer and say we will take this as part payment but give them untill our original 14 days notcice to pay the full amount.(Before we issue the LBA

 

or do we wait to issue the LBA in around ten days time..

 

or do we issue both,, but give a new response date before LBA is sent

 

the banks seems to have jumped a step and we are a little confused>

 

youre response would be much apprecited..also do you have info on the donation side of things ???

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Tell them you will be accepting offer towards the full amount, but you will be proceeding to reclaim the rest. Stick to the normal timescale, that is 14 days after the prelim put in your LBA, fourteen days later go to court. Dont let them throw you off track (that is what these letters are designed to do!)

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  • 2 weeks later...

hello

 

just sent in our LBA, and included a settlement rejection letter with this

advising that we are giving them a further 14 days to repay the full amount or we will before taking them to court to pursue the remainder

 

I have been Reading as much as possible, but still not sure how to go about issuing the MCOL. can any one advise where to get the next letter template

and how with register the claim......

 

any assistance would be much appreciated.

 

thanks

 

Adam

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HELP!!!

I am getting really worried now as I have just received a letter from Lloyds solicitors, obviously denying my claim, actually stating it is embarrassing. Within the letter is now a form to fill in (N149 - Allocation Questionnaire) which is now going to a local court, it is called Notice of Transfer of Proceedings. I now have to pay another £100 to this court having already paid £120 to Moneyclaim, is this correct? I have until 30th October to submit this claim.

 

Thanks

Cas

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Hello

 

Just recieved letters floowing our LBA letter and basically reject all our coresepondance.

they reads as follows, but are all the same word for word all form the same woman.

 

"as a gesture of good will we offfered you £887,£385 and £1375(over three accounts) which you do not wish to accept. i confirm that we will not refund all charges you have ocurred on your account sinse it was opened.Imust also stress that future charges will stand and we reserve the right to close your account if you do not manage it correctly.

If you remain unhappy you can refer your concerns to the financial ombudsman service as outlined in our previous letter."

Help now required as we are getting worried.

1)should we accept there original offers ?? if they will give this to us?

2)do we contact the financial ombudsman.

3)do we issue the Mcol Or N1...

really worried that we have messed up now......

youre replies would be much appreciated...

to cas 1612..

sorry im not sure what to say , but good luck with youre battle

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you haven't messed up-this is standard stalling by all the banks-

 

hold out for the lot-it is YOUR money after all

forget the ombudsman-waste of time and space

 

I'm sure someone else will answer the one about MCOL(I'm in NI and its a different procedure over here)

 

DO NOT PANIC!!It will all work out...... ;)

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Cas - please start your own thread - best help is available that way.

 

Adam/Nicola -

 

You have NOT messed up. This is going exactly to plan! The next stage is either:

 

1. Go to the Moneyclaim Online Website, and register, and start your claim there. This has the disadvantage of not allowing you as much room for your "Particulars of Claim" as method 2, and there has to be a re-allocation of your case to your local court at a point later in the proceedings.

 

2. Go to your local court (or to the Courts Service website) and get a Form N1 (of which you fill in one for each claim) and submit that to your local court with your court fee. This gives you more room to put stuff.

 

The court fee is £30 for claims up to £500, £80 for claims £501-£1500 and £120 for claims from £1501 to £5000. The "Claim Amount" which decides fees is the amount of the charges only, without any interest which you may have added.

 

If you get the N1, it's best to get it from the Courts Service Website because you can fill it in on your screen, which is not only neater but you can get a lot more in. If you DO use moneyclaim, remember that YOU ARE THE CLAIMANT!! LOL - it gets confusing, and having read it three times I **STILL** had to go back and correct it, before finalising it and submitting my claim! LOL.

 

I'm going to stop now and wait for more questions...

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Don't worry. these are the standard responses.

 

Your next step is Moneyclaim On Line or N1 and start the ball rolling with your court claim.

 

You will get ALL your money. :-)

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Wow!!!

 

just when you get worried,,, advise all reassuring comes along in waves..

thanks people might sleep a little better now..

 

Would you wait until the days expiry before issue or send it now as they have acknowledged my request but will not move...

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Although they have not responded favourably to your previous letter, you gave them a period of time to respond.

I don't believe in moving the goalposts in the middle of a match.

 

Give them the benefit of the 14 days. After all, a couple of days is not a long time to wait.

:-)

If this has been useful to you, please click on the scales at bottom left of post. Thanks.

 

Advice & opinions of Rooster-UK are offered informally, without prejudice & without liability. Please use your own judgment.

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Evening guys and girls.

 

finally the timescales passed,and we issued the Mcol's today for all our accounts.I really thought this process would be so hard, but with the guidence from this site and all you users its actually reletivly straight forward...

 

Now to the buisness end of things>>>>

i must admit we was originally scared of this next step but all the reading and advise has givein us the push to rightfully re-claim what is ours.... and we are now ready!!! They pushed us into a posotion where we had to make major changes to our lives and after nearly a year, we now know that should these charges never have been levied, we would not have had to go through the upheavel we have been through..

BUT..... we are now stronger and will fight and prove we are right.....

 

so for now we await there response..

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  • 2 weeks later...

My partner has wrote the majority of these threads and whilst he is a little more omtimistic and ready for a fight i must admit im now petrified.

 

I have just opened two letters that acknowledgement of service has been filled and and that Halifax do intend to defend both our claims( worry worry)These were both acknowledged on the 6th of november and states that the halifax intend to Defend all of this claim.. signed MR Obrian defendants soliciter, head of legal services...

 

I take it we will defently now be going to court??

 

i thought we would have had aletter from the halifax stating they wish to defend but nothing yet. will we recieve one or will it all go through money claim ....

 

Does this mean we will be going to court in Northampton in 28 days time or will a new court date get set , but we will still have to go to northampton??

 

when will we hear how they will intend to defend???

 

im really worried now and my partner is away for a few days, so youre help is very welcome..

 

any links on court procedures/small claims procedures etc

 

thanks

nicola

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