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    • 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.  
    • its not a good thing or a bad thing its ongoing. mines gone the same route. these new notifications are equally meaningless.
    • Shein has been linked to unethical business practices, including forced labour allegations.View the full article
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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.  

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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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Adam v Nat West ***WON***


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Hi

I trecieved my responce from Cobbetts, they have filed an Acknowledgment of service and have ticked the box "I intend to defend all of this claim". Is this good, bad or normal? has anyone else had this? if so what happened next?

 

I have not sent a list of my charges with the 8% interest to natwest since my Moneyclaim, should I still send it now they have responded and if so who to (natwest or cobbetts)?

 

thanks

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  • 2 weeks later...

HI

 

Ok today was the last day (day 28) before I could apply for judgment and guess what Cobbetts at the very last minute put in a defence. My question now is what happens now and what are my chances of still winning as although I am prepered to go to court on the step by step guide it says that I should have had a refund by now and that this is highly unlikely, is this still the case or have things changed

 

Is any one at this stage or have been through this already and help and advice would be greatly appreciated

 

Thanks

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Hello

 

Had Cobbetts defence through today, this si what it said:

 

1. This defence is filed and served without prejudice to the defendants case that the particulars of claim do not disclose reasonable grounds for bringing a claim against the claimant to recover the bank charges (and interest theron) referred to in the particulars of claim or any other sum(s). In the event that the claimant does not properly particularise his claim then the defendant will apply to strike out the claim and/or for summary judement in respect of the same.

 

2. On alllocation the defendant invites the court to direct taht there be a case managment conference in order for the court to cansider the making of appropriate orders to give the claimant oppertunity to properly particulise his claim.

 

3 No admissions are made as to what charges have been debited to the claimants bank account

 

4. In relation to the allegation that the contractual provisions pursuant to which the charges have been applied are unenforceable by virtue of the unfair contract terms act 1977 ("UCTA 1977") and/or the Unfair contract term in consumer Regulations 1999 ("the regulations") and/or the common law, the claimant is required to identify:

 

4.1 (a) the section(s) of unfair contract terms act ("UCTA 1977"); (b) the regulations of the unfair contract terms in consumer regulations 1999 ("the regulations"); and © the principles of common law relied upon by the claimant in alleging that the contractual provision(s) reffered to are unenforceable; and

 

4.2 the contractual provision(s) that the claimant allege are invalid by referance to UCTA 1977 and/or teh regulations.

 

Until such time as these sections/regulations/provisions are identified the defendant cannot (save as appears below) plead to allegation reffered to in paragraph 4 above. the defendant therefor reserves its right to plead further to the allegation once (and if) the claimant identifies the relevant contractual information

 

5. Save as hereinbefore appears the defendant joins issues with the claimant on his claim(s) and denies that it is liable to the claimant as alleged or at all

 

 

Can anyone please tell me what I should do next ie. how should I reply? With regards tp para 3 I sent the details of my calim on october 30th recorded delivery and what a suprise they havnt recieved or signed for it, so that is easily sorted, I however dont know whare to start with para 4.

 

I also dont know what para 5 means

 

Can anyone tell me anything about this letter and if it is normal or bad and what I should do next. Has anyone else had a letter simlar??

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Hello

 

Today I recieved a letter from Cobbetts with the usual our client considers that my challengers would fail in cort etc however as a good will gesture they offed me £900 (I am claiming £1800)

 

I am just wondering what the best way to reply is to say thanks but no thanks.

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Something short and to the point along the lines of:

 

Dear [named sender or Sirs]

 

Thank you for your letter dated xx/xx/xx.

 

I respectfully decline your offer of settlement and request, once again, that you return to me all charges imposed on this account, interest and court fees now totalling £xxxx

 

I will accept the sum offered only as part settlement and on the clear understanding that I will pursue recovery of the remainder.

 

I will be willing to withdraw my claim upon receipt of unconditional full settlement of my claim.

 

I trust this clarifies my position.

 

Yours faithfully

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Hi

 

Yes I have just been reading all of the other posts and I am just writing the letter. After reading everyones posts I am feeling quite confident now as alot of other people seem to have had the same responces as me and won

SO FINGERS CROSSED!!

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Hi

Thanks for you advise, Glad to hear that you won, I have read everything twice and still worry im doing it right lol there is nothing better than when you realise other people have had the same responce and won however there is nothing worse than when you read something that is different to the way you have done it lol.

 

I will keep you posted on what happens but hopefully not long now

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Read it "THRICE", it took me a long time to realise that there are moderators of excellent quality on this site, please use them.

You Will Win, of that I have no doubt, I'll keep on looking at your thread.

cheerio CHRIS

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  • 1 month later...

I recieved my court date yesterday for the 23rd January

 

It says that I must send a copy of all documents that I intend to rely on during the hearing to al partys by the 9th January, can anyone help with what I may need.

 

Thanks

 

P.S does anyone know where I can get a copy of the interview it mentions with Peter McNamara in the FAQs

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:D I'VE WON!!!:D

JUST PICKED UP MY MAIL AND THERE WAS A CHEQUE FOR MY FULL AMOUNT!!

THANKS FOR EVERYONE WHO HELPED

Good luck to every one else, time to start on my other 3 accounts now!!

MERRY CHRISTMAS!!!!!

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  • 2 weeks later...

CONGRATULATIONS LEAD

 

I bet that was a bit of a surprise being as your court date was not until late Jan. One thing I wanted to ask... you know you said earlier that you put down the 8% on the prelim letter and schedule by mistake??? Well, I too have done that... and then later realised that this 8% was not supposed to be claimed until the court part... Well did anything happen about that??? Did the bank say you had done it wrong, or was nothing said?? I assume your settlement was with the 8% also??

 

Are you claiming against other banks now???

 

Enjoy your hard earned dollar!!

 

Maxine

Moodle

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