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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.
    • Hi friends,  I’m a bit worried I may have got confused with timings here. I thought I had 33 days from my acknowledgment to submit a defence but the date added above says 3/6/24.   have I missed the date?   if so how can I apply for an exception due to my disability and problems with deadlines and dates etc (ADHD)?   what should I submit as a defence?   I’ve had no reply from BW so far    just been back on MCOL and it says 28 days from service if I completed an acknowledgment of service so does that mean 28 days from that of acknowledgement (I.e. 16/5) which would make deadline for defence 14/6?   Thanks! Panicking here.
    • Normally we don't advise playing your cards early in a snotty letter, but as you have appealed we might as well use what you wrote in the appeal against them. There is no rush, you have until 6 July to get it to them.  See what the other regulars think too. How about something like this? -   Dear Rachael & Sean, cheers for your Letter of Claim.  I rolled around on the floor in laughter at the idea you'd actually thought I'd take such tripe seriously and would cough up! As usual you'll have been too bone idle to do any due diligence.  Had you done so you would have seen that I appealed to your client.  Indeed the driver on the day is a textbook example of having done exactly what you should do when you do not wish to be bound by the T&Cs in a private car park. Of course none of that mattered to the spivs you represent but do you really want to put such a useless case in front of a judge? To be fair, your clients are very useful members of the human race - as comedians.  How I loved the page turner of their antics at The Citrus Building in Bournemouth.  It was chuckle after chuckle reading about them, letter after letter, month after month, insisting they were legally in the right, even through someone who had done just the first day of a GCSE law course could have told them they weren't.  Until the denouement - BOOM - an absolute hammering in court.  In fact - SLAM, BANG - managing to lose twice against the same motorist for the same car park in front of two different judges. Your client can either drop their foolishness now or get yet another tolchocking* in court where I will go for an unreasonable costs order under CPR 27.14(2)(g) and spend the dosh on a nice summer holiday, while every day laughing at your clients' expense. I look forward to your deafening silence. COPIED TO COUNTRYWIDE PARKING MANAGEMENT LTD   *  This word is used under licence from Brassnecked
    • Well yes, ... and the tax dodgers ... Trump May Owe $100 Million From Double-Dip Tax Breaks, Audit Shows A previously unknown focus of an I.R.S. audit is a dubious accounting maneuver that effectively meant taking the same write-offs twice on a Chicago skyscraper. nytimes.com WWW.NYTIMES.COM  
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Dowie Vs Halifax


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Well the Halifax recived my preliminary letter on the 27th March, I am claiming back £476.

 

I haven't heard anything yet, but fingers crossed I will do in the next few days.

 

I've started a new thread because my old one disapeared... so this is where I'll keep everything updated with my case.

 

Good luck, everyone!

 

Kc.

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Good luck, don't forget to keep us updated.

 

Your old thread may have gone missing when the site changed name and started using this new layout.. maybe??

..

.

 

Opinions given herein are made informally by myself as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

 

 

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Good luck, don't forget to keep us updated.

 

Your old thread may have gone missing when the site changed name and started using this new layout.. maybe??

 

I think thats exactly whats happen. Thanks for your good luck wishes. :)

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Update:

 

Well I still havent heard from the Halifax... no standard letter, no nothing. I sent my letter by special delivery, so I know they have received it. Monday is their deadline day, (It's now Friday) so I dont think I'll be hearing anything.

 

I'm going to send my second letter first thing Monday morning. and see what happens then.

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Received a standard letter this morning (Saturday), which is good as I now know they have received my preliminary letter.

 

Dear Miss XXXXX

 

Thank you for your recent letter. I was sorry to learn that you are unhappy with the charges applied to your account.

 

We are keen to deal with your concerns and are currently investigating your complaint. You will receive our full response shortly.

 

I enclose our complaints leaflet, which explains how we will deal with your complaint. If you need to speak to us about your complaint in the meantime, please call us on 0141 204 6451.

 

This is from Tracy Hopkinson, customer services... and a Leeds address. Am I right in thinking I should send my 'Letter before action' to this new address?

 

Thanks for your help, people.

 

Also, is it possible for the name of this thread to be changed to CunnyFunt Vs Halifax? Cheers.

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I'm not sure what address you should use, or have been using...!

 

I'd be inclined (if it was me) to send it to Trinity Road, and to my local branch. HOWEVER, as she says that it is being dealt with, it'd be an idea to AT LEAST cc the letter to her address.

 

Be sure to stick to YOUR deadlines. You call the shots, not Halifax!

 

Send the Letter Before Action when your deadline expires.

 

Good luck, keep us posted.

If you found this post useful, please click on the "scales" icon in the bottom left of my post and say so!

 

The opinions of this post are those of monkey_uk and do not constitute sound legal advice. I am not a lawyer.

--

 

Halifax Unlawful Bank Charges: S.A.R - (Subject Access Request) Sent 28/02/07 - CC Statement's rcv'd 18/04/07 Bank a/c statements rcv'd 19/04/07

 

 

 

First Direct Unlawful Bank Charges: Settled in Full 12/05/06 | £2235.50

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Hey Monkey,

 

Thanks very much for changing the title!

 

I sent my first letter to the Trinity Road address... so maybe, like you say, sending one to each address is a good idea.

 

Thanks for your help. =o)

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  • 2 weeks later...

No probs, although I notice you've changed your bloody username!

 

I'll rename the thread - again! *sigh* lol, joking, don't worry!

  • Confused 1

If you found this post useful, please click on the "scales" icon in the bottom left of my post and say so!

 

The opinions of this post are those of monkey_uk and do not constitute sound legal advice. I am not a lawyer.

--

 

Halifax Unlawful Bank Charges: S.A.R - (Subject Access Request) Sent 28/02/07 - CC Statement's rcv'd 18/04/07 Bank a/c statements rcv'd 19/04/07

 

 

 

First Direct Unlawful Bank Charges: Settled in Full 12/05/06 | £2235.50

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No probs, although I notice you've changed your bloody username!

 

I'll rename the thread - again! *sigh* lol, joking, don't worry!

 

LOL...Bankfodder asked me to change it, so being a good forum member, I obliged.

 

Ok, so today I received a goodwill gesture of £56... I'm going to write them back and decline their offer... or should I just file my claim on the 15th day? Hhmm.

 

 

EDIT: There is a number on the letter and it says 'If you would like to discuss your concerns, please contact me'. I really want to call them, but I'm not very good in these situations... can anyone please give me some advice on what I should say? Cheers for any input.

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So, I decided to call the Halifax and decline their offer. The woman I spoke to said that she feels the £56 was a fair offer (?!?!) and she said I wont be getting another offer. She's taken my number down anyway, so I wonder now if I'll get another call. I told her that I will be filing a claim on the 26th April anyway.

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There's somethin I'm a little confused about, and was wondering if someone could please advise. I'm not certain if I put the interest charges onto the excel spreadsheet.

 

Could someone please confirm? Cheers.

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Sorry for being lazy, I haven't read the whole thread yet.....

 

If you are ready to claim through court, then that is the time to prepare the interest on each charge (the 8% version).

 

Is that what you are referring to?

 

Or do you want to know how to input them?

..

.

 

Opinions given herein are made informally by myself as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

 

 

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Sorry for being lazy, I haven't read the whole thread yet.....

 

If you are ready to claim through court, then that is the time to prepare the interest on each charge (the 8% version).

 

Is that what you are referring to?

 

Or do you want to know how to input them?

 

 

Thanks just for replying! lol

 

I understand that when I submit my claim with Moneyclaim I can add 8% interest. When I add my charges to the spreadsheet... do I include the intested that Ive incurred on these charges?

 

Again, thanks for your reply!

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It is my understanding that if you put the 8% on everything (excluding costs) then you are effectively asking for interest on interest. Because of this, you put the daily interest from date of claim until settlement ONLY on the charges total.

 

Perhaps a point that could be clarified in the FAQ section.

..

.

 

Opinions given herein are made informally by myself as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

 

 

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OK, I think you are getting more and more confused.

 

At court stage, for example purposes only, your charges amount to £2000

 

When you input the charges into the spreadsheet (or online calculator) the 8% total interest is £600

 

Your claim is for £2600 (plus court costs)

 

The daily rate of interest from the date you issue it, until they pay up, will be 8% on the £2000 only, otherwise you are adding interest to interest.

 

The calculation for this is 0.00022 X the amount of your claim

 

Thus - 0.00022 X 2000 which would equal £0.44p PER DAY

..

.

 

Opinions given herein are made informally by myself as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

 

 

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Flippin' heck, Jonni, you've been doin' a lot of reading haven't you?

 

Dowie - If it were me, I wouldn't even give them the time of day on the phone. I would much sooner write to them - that way I can think about what I want to say.

 

I rejected my 1st offer of £380 in writing and received a higher offer a few days later (ha ha). Also, if you keep everything in writing, and it goes to court - you have written proof.

 

Best of luck mate, and may the best man win! (Except I'm a lady!)

 

x

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OK, I think you are getting more and more confused.

 

At court stage, for example purposes only, your charges amount to £2000

 

When you input the charges into the spreadsheet (or online calculator) the 8% total interest is £600

 

Your claim is for £2600 (plus court costs)

 

The daily rate of interest from the date you issue it, until they pay up, will be 8% on the £2000 only, otherwise you are adding interest to interest.

 

The calculation for this is 0.00022 X the amount of your claim

 

Thus - 0.00022 X 2000 which would equal £0.44p PER DAY

 

No, thats not what I mean, at all.

 

I completely understand the 8% interest thing.

 

What I'm talking about is the interest on my bank statements for charges I've incurred.

 

Thanks for your help.

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Flippin' heck, Jonni, you've been doin' a lot of reading haven't you?

 

Dowie - If it were me, I wouldn't even give them the time of day on the phone. I would much sooner write to them - that way I can think about what I want to say.

 

I rejected my 1st offer of £380 in writing and received a higher offer a few days later (ha ha). Also, if you keep everything in writing, and it goes to court - you have written proof.

 

Best of luck mate, and may the best man win! (Except I'm a lady!)

 

x

 

 

Hey C&S!

 

Glad you found me. You're probably right with the not calling them thing, but hey-ho too late now... I'm just wondering now if I'll hear from them again before Wednesday.

 

And good luck to you too, my friend. :)

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..What I'm talking about is the interest on my bank statements for charges I've incurred....

 

In that case........

 

You can claim for the interest that the bank applied to your account solely due to the charges, i.e. NOT for general interest which occured simply because you had gone overdrawn.

 

This, in my book anyway, is more complicated to work out because you should ideally know what APR they charged you for general overdraft rates and for 'over limit' rates - unless, of course, you are one of the 'lucky' ones whose statements break this figure down for you.

 

It can also be argued that by not claiming this (possibly much smaller) figure, that you are allowing the bank an amount you consider IS proportionate to the costs it incurred dealing with your failed Direct Debit / Cheque etc etc.

If you had to face the enemy in court, you would at least have an arguement to show you have allowed for actual cost. Remember though, you do not have to give them it.....

 

Another train of thought on this subject is as follows - If the interest is not itemised, then claim for ‘Interest Charges,’ and the onus will be on the bank to demonstrate the proportion they are entitled to.

 

The choice is yours........

..

.

 

Opinions given herein are made informally by myself as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

 

 

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In that case........

 

You can claim for the interest that the bank applied to your account solely due to the charges, i.e. NOT for general interest which occured simply because you had gone overdrawn.

 

This, in my book anyway, is more complicated to work out because you should ideally know what APR they charged you for general overdraft rates and for 'over limit' rates - unless, of course, you are one of the 'lucky' ones whose statements break this figure down for you.

 

It can also be argued that by not claiming this (possibly much smaller) figure, that you are allowing the bank an amount you consider IS proportionate to the costs it incurred dealing with your failed Direct Debit / Cheque etc etc.

If you had to face the enemy in court, you would at least have an arguement to show you have allowed for actual cost. Remember though, you do not have to give them it.....

 

Another train of thought on this subject is as follows - If the interest is not itemised, then claim for ‘Interest Charges,’ and the onus will be on the bank to demonstrate the proportion they are entitled to.

 

The choice is yours........

 

 

Hey again!

 

Well I have the interest charged, for unpaid DDs on my statements, so I know how much they owe me. Thanks so much for explaining this.

 

Well I'll be filing with Moneyclaim on Wednesday 26th, so I'm going to read up on that again now.

 

This is where it either gets scary, or exciting... I haven't worked out which one yet though :)

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Deleted post so I don't hijack anyone else's :)

First letter to halifax sent rec del 26/4

Data Protection Act letter to capital one sent rec del 26/4

Halifax 1st offer dated 5/5

Capital One ack Data Protection Act request rec 6/5

Request for repayment to Capital One 2/8

LBA sent 22/8

Court proceedings issued 13/10

Settled in Full 9/11

Donation made 14/11

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Guest Lueeze

Hi there...

 

You need to start your own thread (otherwise youll be hijacking some elses!) and ask those questions once you have read through all the FAQ's

 

Good Luck

 

Lou x

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Dowie, have you filed your claim yet?

 

Yep, just done it now!

 

Have you heard anything yet, C&S?

 

Do you know which mod I should send my claim details to?

 

Thanks!

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