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    • I'm trying to unravel this – but I get the impression that there was no contract between you and EVRi and that you didn't even choose them but instead you decided use some third party parcel broker in the USA which organised the delivery. Is this correct? EVRi came into the picture because they would then eventually selected for part of the journey although you had no knowledge that it might be them and I suppose it didn't really matter as long as the item got to you. Secondly, I really don't understand the journey which this item made. You bought the item from somebody in the USA. They then were meant to dispatch it to you to another address in the USA but for some reason or other it came to the UK and then into the hands of EVRi at which point it was lost or stolen. More confusion here because you now tell us that EVRi marked it as being out for delivery but it was never delivered. This suggests that it was going to be delivered to a UK address but earlier on you said that it was going to be delivered to USA address. I think you need to look at the story. Maybe show it to a friend of yours who is not particularly where the details and ask them if they can make head or tail of it and then come back to us with clarification so that we fully understand. Also, I think we'd like to know what the item is, how was it declared, what was the value which was declared. You said it was a valuable item because it was rare and collectable. I gather from this that it is non-fungible. We need to understand more about this. Was an insurance policy purchased to cover it during the delivery process. I understand that this rare and collectable item be valued at £200. Have evidence this value. This could become very important. Also you have given is no idea when this happened. We need to understand the full timescale. There are a number of possibilities here including the possibility of the contract action against EVRi on the basis of your third party rights or an action for negligence but we need to know far more and we need to get a story that makes sense.   Finally, I understand that you have sent the letter of claim. What did it say? How much time did you give them? What did you expect to happen as a result of the letter of claim? Whatever the answers to those questions might be, clearly you had no idea how to proceed after having sent such a letter. A letter of claim is meant to be a serious threat of some legal action if some condition which you have stipulated is not complied with. You set a deadline for compliance and at the end of that deadline you issue the court action. Clearly you are not in a position to do that so your letter of claim is a bluff and undermines your credibility and it will find its way into the EVRi wastepaper basket – if it's not there already.  
    • Good morning. I just wanted to check something please. The other side have moved slightly and negotiated a full and final offer price to end this matter. I am happy with this. However, I want to make sure this is the end of the matter and am emailing the following over to them prior to payment. Is this enough to ensure they can come back for nothing else? Thanks -------------------------------------------------- Dear Sir.   With regards your last email below.   I am pleased to agree to the full and final settlement figure given below.   Can you confirm this payment will be in full and final payment with no further claim to be brought against me in this matter?   Best regards
    • 100% sure I didn't receive it, that why my first post is with the £100 letter.
    • Engine, the technology business Starling Bank was built on, has been busy launching banks around the world, from Romania to Australia.View the full article
    • use this your WS and inc this as an exhibit off to bed now 3 nights been up till 4am aurora watching wont be on too early as it's lambing season out herding with the dog. your WS main thrust is the debt would now be SB'd , the DN was filed xxxyrs+months after it should have been thus unlawfully extending  SB date to infinity. highlight their admittance regarding errors at that time period in your 'redetermination'  paragraph. agreements unreadable. would have already been written off due to SLC age write off criteria has they not issued the claim to stop the SB clock when they had no paperwork to prove their case in the 1st place. never earned over threshold. dx       Erudio - stopped sending email deferments won at FOS DRN-4141462.pdf
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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.

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      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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PPI, RBOS & Loan Statute barred ** TOTAL WIN **


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From the age of 20 I was a customer of RBOS and took out various lonas with them always with PPI

 

In 2004 due to being off sick in the August I applied for them to take over the payment of the loan as i was going to be off work for some time.

They denied the claim as I was still on full company pay at the time, my entitlement was 6 months full and 6 months half pay.

 

After a further 3 months on sick leave I decided that going back to work would be detrimental for my health and I resigned in late December

I continued to make payments until December

 

I started a new job in January 2005 and spoke to RBOS about sorting out my loan as my new salary was considerably lower than my previous one.

Their solution was to take a further £1000 and extend the period to 7 years which i agreed to.

They then turned round and said I had been refused the loan.

 

At this point I could not afford to pay the old amounts and therfore stopped paying.

 

They eventually took me to court and got an open decree but took no action to enforce this.

 

I made no further payments throughtout 2005 and now consider the loan to be statute barred

but if I send a letter to RBOS as per the SAR template how far back do they have to go

ie do they have to go right back to my initial loan in approximately 2006,

i was with the same company bank then with the same sick leave entitlement.

 

Also would they be entitled to deduct anything to cover the loan that is staute barred

 

Thanks in anticipation

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nope all yours

you are ni for a large windfall.

 

sar them

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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In your SAR you should ask for ALL and ANY information to do with ALL and ANY accounts you have had with them together with ALL and ANY information in relation to your entire dealings with them.

 

That should cover it.

 

ims

 

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  • 2 weeks later...
A seperate SAR will be needed in my opinion. some expert might second me on this.

third lot of crass advise

 

get reading up before you scupper too many users chances of a reclaim or waste them money.

 

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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  • 2 weeks later...
  • 2 weeks later...

Received a reply dated 16th February

"We acknowledge receipt of your letter requesting details of the personal information we hold about you and payment of the required fee. Before we are able to proceed with your request we need the following

 

- Your signed authority to proceed. We have a duty to ensure that we only release personal information to the correct person. Unfortunately you did not sign the request that you sent to us and we therefore need sight of your original signature so that we can verify your identidty. Please therefore sign and return the enclosed pro forma.

Please note that when we have received the enclosed pro-forma we will need to verify your identity before we can release any information to you. If your signature does not match the signature contained in our records we may need to return to you for further proof of your identity.

 

When we receive your response we will proceed with your request. "

 

As we are now nearing the 40 days they have to respond I am assuming this is a stalling tactic but I am also assuming from reading other threads that they must still respond within the 40 days and can not extend it for a further 40 days.

 

2 questions

Is it ok for me to sign the form and return & secondly to pre-empt their further stalling tactics should i enclose further prrof of my identity eg a photo copy of my passport or driving licence

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i would you've nowt to lose

but lots to gain.

 

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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Share on other sites

Sent off the signed form and a photcopy of my passport to establish who i am and to avoid them having an excuse to stall anymore

I also reminded them that the 40 day limit is nearing and that I would not accept any further delays

 

What can I do if they do not respond within the 40 days

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you issue the failure to comply notice

then off to court for failure to comply

 

you'll not need to though.

 

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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lets see

 

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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  • 3 weeks later...

Royal Mail reported that they had failed to deliver my original signature and copy of passport so I sent a 2nd one Special Delivery.

This was delivered on Monday I phoned on Wednesday to enquire when I could reasonably expect to get the information I had requested and was told that they had 40 days from date they had received my signature. I countered that if they has responded and asked for the signature before 36 days then they might have been able to progress my request quicker

I pointed out that this had the appearance of stalling and I would not be reporting them for this delaying tacticm

At this point the .guy said he would go look in my file and see if the letter was there. He came back to report that in actual fact my original letter had been received and therefore from their point of view this was day 14 and he would therefore prioritise my request

He offered to send me out a spreadsheet detailing my loans(i like the fact that this was plural as it could relate to older loans) and the amount of PPI on them

I asked about Mint Credit Card, Direct Line Loan and RBS Credit Card and he said that they were dealt with by different departments but he would forward the requests now I had asked

Hopefully this wont take too long and I should see some information shortly

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Have received a spreadsheet from RBS giving the details of my loans going back to 1997. I have calculated the figures using the spreadsheet in the sticky notes at the top but would be grateful if someone could check my figures and see if I am right

They are as follows

App Date Amount Date Closed PPI My Calc

7/8/97 11700 11/2/98 1518 3297.67

10/2/98 11000 26/2/01 1673 3565.56

4/2/00 6200 5/4/01 771 1520.38

16/3/01 15000 2/4/02 2552 4804.50

22/3/02 25000 16/11/11 5667 10206.38

 

Giving a grand total due of £23394.50 which would be awesome if correct

 

Thanks in anticipation

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I will try and find someone who can help on this.

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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Hi

 

Dropping in as requested by CB

 

Something wrong there methinks.

 

Have a read of No.1 in my signature and use the spreadsheet at the end (StatIntSheetV101) to work out the claim amount.

 

If you are still stuck when you have had a go, shout here and I'll be happy to help you get to the right figures.

 

ims

 

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I used the spreadsheet as suggested and come up with same answers so I must be doing something wrong. I have attached the figures i got from bank plus the spreadsheet calcs I made for each loan

 

ppi0001.pdf

 

PPI Loan 1.xls

 

PPI Loan 2.xls

 

PPI Loan 3.xls

 

PPI Loan 4.xls

 

Personal information removed :)

Edited by citizenB
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Where to start.. agghh you have left loads of personal information on the first attachment at least.. Account numbers, sort codes and your name. I have unnapproved the post and will remove that information for you and then reopen the post.

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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Ok, personal information removed from attachments and visible again :)

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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