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    • Thank you everyone!  thought to share some points from my experience in court today that may help others who are taking Evri to court: The judge sets out how the hearing will go and how each party should behave; while i was certainly feeling anxious/nervous ahead of the hearing (and I'm sure @jk2054 may have also observed this), the judge really does try to put any non-legal persons at ease; refrain from talking to the other party and instead speak to the judge if you have any questions/responses; the judge and the advocate spoke about tort of negligence - i wasn't sure how this applied to my case but the judge was questionning the advocate about this so i chose to stay out of this; the judge made reference to a historical case of Donaghue v Stevenson which established a duty of care; the judge observed that some of the points in Evri's witness statement by george wood needed cross examination but george was not present today for questionning; While i was claiming 8% interest, the judge pointed out that is the upper limit and that today, savings accounts give 4-5%. I therefore opted for 5% interest which was agreed to by the judge and the advocate; above all else, ensure you know your court bundle and have any notes to help you refer to specific sections - it helped me to structure my answers to the judge/defendant's queries, and point to specific evidence where i was asked to prove e.g., the value of the item. @honeybee13 - yes, will confirm when payment is received. I have emailed the Evri.claims email with my bank details and also provided them after the hearing to the advocate. @BankFodder message received and i am replying to it
    • Looks promising then.  Well done   Dx
    • So a little update.  I sent a complaint to ico and have heard nothing. I just got the general reply email and that's it.  Sat twiddling my thumbs and thought about what I should do next. I searched for the CEO of Studio but then found that he'd left so as keep getting letters from studio about the arrears etc. I thought I'd email the David Twigg. Sent him all the bumpft and a copy of my original complaint and sars request.  Got no response. So didn't know what else to do. Then I thought I'd try through the financial difficulties option on the online form. One last try before I just give up and let them default me.  Then on the 5th June. I got an email from their customer services. That the items that had gone AWOL have all been cancelled. Nothing else on that email, so I had a look in an email account that I don't use anymore and there was an email from the customer service.  That they were sorry for the problems I've had for the last 9 months. That the sars info was emailed to me on 14/04, it wasn't I've kept all spam and deleted emails on that account, they have raised a complaint with their studio pay team regarding the issues, balance dispute, fee's and my credit file. They are hoping to resolve in 3 days but they have upto 56. They also said in regards to my other issues I have to raise a complaint with studio retail but haven't told me how I do that.  The sars info only goes upto the end of December 2023. It has my previous complaints on there but nothing after so I don't know how I get hold of that information. Luckily I've kept copies of every time I've contacted them. Every web chat or social media contact.  Apologies for the extremely long post but I wanted to add everything I could just incase.  I have checked my account balance and it's still minus 900 odd pounds but I'll keep checking to see if it's all cleared and on my credit file.  I'm hoping this is the end of the whole debacle and they close my account because I never want to do this again. Although it's been a learning experience.  Thanks to dx100uk for pointing me in the right direction. Much appreciated.   
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    • If you want to cause DCBL trouble, then complain to the SRA.  It would be even more fun if mystic_bertie would complain at the same time, to show the SRA there is a pattern.
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Black Horse Reject Claim For Charges


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Hi,

 

I am currently helping out a friend who has an on going feud with Black Horse. Basically she bought a car and got the finance with Black Horse. Over the course of the finance she missed a few payments but always continued paying and eventually paid off the full value of what was originally owed. Black Horse had put charges on the account for missed payments and missed payment interest and the account is still not clear as the charges have added to the amount owed. I told her to get a copy of the CCA (which can't be supplied today but I can get it posted up tomorrow if need be) and a statement of account (so we knew what charges where on there). The CCA is just and so readable but I will fall back on that if I have to. I basically knocked up a claim back spreadsheet for all the charges they had added to the account (with the 8% compounded interest). Black Horse were asking for £450 and when I done the spreadsheet I got it to £626. With that we sent the letter asking for the difference to be paid back.

Over the weekend my friend has got a letter back from Black Horse basically saying that as she signed the agreement she was bound by the terms and conditions and the charges were still valid.

 

So basically we are just asking for some advice as what to do next? do we give up trying to claim the charges back and hope there is a flaw in the CCA? Do we have a response back to Black Horse telling them that they are wrong? Do we accept it and sort out a payment plan to pay back the £450?

 

Any help would be greatly appreciated.

 

Sploits

 

 

These are the links to what we have sent (the first 2 are the breakdown of charges and the 3rd one is the letter we sent). The last one is Black horses response

 

www.dj-sploits.co.uk/random/lisa/charges_Page_1.jpg

www.dj-sploits.co.uk/random/lisa/charges_Page_2.jpg

www.dj-sploits.co.uk/random/lisa/letter2bh.jpg

www.dj-sploits.co.uk/random/lisa/noaccept.jpg

 

 

pencil.png

Edited by sploits
Attachments were too small. Direct link added

<----------- If I have helped in any way please click on my scales :p

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Personally, I wouldn't accept that their right and your wrong.

In 2006 the OFT made a decision that 'Unfair Charges' applied to customers accounts could only be levied at £12 maximum. They also said they were still unfair and it was for a court to decide what is deemed as fair.

Research the OFT report of 2006 and you should find your answers in there.

Was there any PPI included on the loan as this can be claimed back also.

Santander PPI X 2 **WON** claims on behalf of son (Oct 2010/ Mar 2011)

Citicard O/H (PPI) - **WON** Compound Interest Dec 2011

Citicard O/H (Charges) Bailiffs sent in August 2012

Barclaycard - **WON** Compound Interest Oct 2011

Monument - account information being sought for OH

Citicard - self - N1 submitted August 2012

Barclaycard - self - **WON** damages for non disclosure/information now rec'd. Aug 2012

Barclaycard - relation - Failed SAR sent 29/09/11

Halifax SAR sent 18/08/2011 for relation

LTSB - SAR sent 09/08/2011 for friend

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Hi shelley,

 

We have fired off a complaint to the FOS so we are going to see what we get back from them. If they can't help then we will send Black Horse the LBA and go down the court route. Do you know if there is anything we need to send to Black Horse in the meantime? They have sent a letter to demanding money within 7 days but obviously this isnt going to happen.

No PPI unfortunately

 

Cheers

<----------- If I have helped in any way please click on my scales :p

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I am unable to open your attachments to see the communications can you repost?

 

How far back do the charges relate to?

 

I'm not familiar with the rules behind sending them a letter saying 'Account in Dispute' but you could research that on here also. Template letters can be found in the top left corner in green.

 

FOS will have backlogs and will take some considerable time to resolve, it won't be an overnight resolution and FOS can only apply 8% interest.

 

If you go the court route you could claim interest in restitution. But make sure you are confident in your case and the courts process. If you lose and have to pay costs, they could be high.

 

Have a read through 'WON' threads on the Barclaycard link. There is plenty of useful advice/information available.

Santander PPI X 2 **WON** claims on behalf of son (Oct 2010/ Mar 2011)

Citicard O/H (PPI) - **WON** Compound Interest Dec 2011

Citicard O/H (Charges) Bailiffs sent in August 2012

Barclaycard - **WON** Compound Interest Oct 2011

Monument - account information being sought for OH

Citicard - self - N1 submitted August 2012

Barclaycard - self - **WON** damages for non disclosure/information now rec'd. Aug 2012

Barclaycard - relation - Failed SAR sent 29/09/11

Halifax SAR sent 18/08/2011 for relation

LTSB - SAR sent 09/08/2011 for friend

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Hmmm the links were working but not sure whats happened to them :)

 

Try these ones:

http://www.dj-sploits.co.uk/random/lisa/charges_Page_1.jpg

http://www.dj-sploits.co.uk/random/lisa/charges_Page_2.jpg

http://www.dj-sploits.co.uk/random/lisa/letter2bh.jpg

http://www.dj-sploits.co.uk/random/lisa/noaccept.jpg

 

Hopefully they will work. If not you can copy and paste the text and they shoudl then take you to the pages :)

<----------- If I have helped in any way please click on my scales :p

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  • 2 months later...

Morning all,

 

Over the weekend we recieved a nice letter from the FOS saying that the charges of £25-£30 are fine and we signed for them so we should pay them. Surely this isn't right? We are currently emailing the adjudicator about this stating what the OFT said in their April 2006 report but we aren't holding out much hope.

 

Anybody have any other ideas?

 

Thanks,

 

Sploits

<----------- If I have helped in any way please click on my scales :p

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No problem, thanks ims21 we will knock up a letter before action (well doctor a template from here haha).

We will issue it and see what they come back with.

 

We were advised to contact the FOS regarding the unlawful charges so thats what we done but I guess its just been weeks wasted (although Black Horse have went quiet in this time).

 

Thank you again :)

<----------- If I have helped in any way please click on my scales :p

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