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    • 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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Help!! Debt is ruining our life


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Hello everyone.

 

I am writing to ask for advice as my husband has two bank of scotland credit cards and one personel loan. I had to stop work last year due to depression and Stress after the death of my grandfather, who i was very close to. His death had a huge impact on my life.

My husband was the only one bringing in a full wage at the time and now he is currently off on long term sickness and only receiving SSP.

We are currently waiting on a form from my doctor to send to our mortgage provider to help us with the mortgage. We are just getting by on paying bills and surviving.

 

The big issue is that the credit cards and loan are too high currently sitting at £16,000 in total. The total payment to service all the debt is currently around £410 per month and the two cards are currently sitting one month in arrears (it will be two months as of next week).

The bank is now phoning non-stop everyday on the mobile and home phone. We do not answer them but have been advised from my father to tell them we can not afford to pay.

 

Does anyone have any advise that could help us as we are a young couple, I'm 24 and my husbands 26. We've not even been married for two years and are struggling with depression due to the events of last year.

 

Could someone help?

 

Thanks.

 

Christine

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Get along to one of the charity organisation who provide debt advice as it is possible to negotiaite TOKEN payments until your circumstances improve. At a later date when you return to work it may be possible to enter into a Debt Arrangement Scheme to take care of the usecured debt. DO NOT CONSIDER DEBT MANAGEMENT OR TRUST DEED AT THAT STAGE AS YOU OWN YOUR HOME, particularly if there is equity in the property.

Edited by Crocdoc
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Hi AY,

 

Have a read of this:

 

http://www.consumeractiongroup.co.uk/forum/entry.php?517-Debt-Diaries-Become-Debt-Free-in-Ten-Steps-Step-One-Don-t-Panic!

 

and the rest of the steps.

 

Sit down and work out your income and expenditure (also the above links help you see if you are claiming all your entitled too) and then see if you have any surplus monies you can offer and let us know

 

Ida x

Please contact a member of the site team if you are offered help off the forum for a a paid or no win no fee service.

 

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Many thanks to crocdoc and IdainFife for the fantastic advice you gave to us. It is nice to know we are not alone in this situation. We have already made a budget and are cutting back on a lot of things. I will be seeing about reducing Sky tv, which at the moment is a big outgoing.

 

We also have an appointment with North Ayrshire Debt Advisors to talk about making token payments to the creditors which will give us time. Or perhaps use the PPI on the cards and loan instead of claiming it back.

 

Thank you once again.

 

I will let you know what the outcome is.

 

Christine

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Or perhaps use the PPI on the cards and loan instead of claiming it back.

 

 

Your situation is actually what PPI is useful for - however, you will have had to have kept your PPI payments up to date ie you have not already stopped paying or claimed back

ACCOUNT DORMANT

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Hi IdainFife. I contacted the Consumer credit counselling service and they have taken a note of all our income, outgoings etc.

they will contact me on May 8th to check what can be done to help, this may include a token payment to each of the creditors.

I am following the advice you sent to me on April 27th, it is very useful advice and I would like to thank you for your help, it means so much to me.

 

Thanks again

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IdainFife - I will contact Turn2us tomorrow. Given the little income coming in at the moment, we should be entitlted to something. Whats worse is I worked since I was 16 and now im claiming job seekers and have been told I do not qualify for JS. Even though I explained to HMRC that Mark, my husband is off his work long term with illness, this still diden't make a difference.

 

Thanks again Ida,

 

thank you for taking the time to reply to my post with all the wonderful information.

 

AY

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IdainFife - I went onto the turn2us website to use the benefit calculator -its telling me that the £62 that marks getting from WTC is all that we are entitled to? I am wondering if there is any more advice on how to claim Job Seekers income based given the very low income?

 

Thanks

 

AY

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am not benefits savvy am afraid i will Erika a tug for you, can you roughly say what you are getting and approx amounts for her?

Please contact a member of the site team if you are offered help off the forum for a a paid or no win no fee service.

 

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Hi alienatedyouth,

 

The free self-help pack on this site has been very useful to me in budgeting and paying off debts in the past

 

http://www.gain4u.org.uk/document.aspx?cid=2

 

The charity grants finder on this site may throw something up that could help

 

http://www.family-action.org.uk/section.aspx?id=77

 

I would be inclined to check my benefits here as it's the government website and is up to date on rules etc.

 

http://www.direct.gov.uk/en/diol1/doitonline/doitonlinebycategory/dg_172666

 

For emotional help and support with your depression these folk might be able to help

 

http://www.depressionalliance.org/

 

I don't know if you're a member of a trade union or not. If so, contact them and see if they can assist as many unions have funds that members can access. If not you might wish to consider joining the Unite in the Community scheme-it is specifically for people not in work. It costs 50p per week and comes with a range of benefits, including access to the union benevolent fund.

 

http://www.unitetheunion.org/member_services/community_member_benefits.aspx

 

You may be entitled to Disability Living Allowance due to depression. I was able to claim low rate care DLA for two years due to depression. DLA is not means tested, it is granted purely to help with your health regardless of your financial situation. I would strongly advise you get help to complete any application for this benefit as the form is quite tricky and the criteria are quite strict. Depending on your partners condition and it's duration he might also be able to claim DLA.

 

You may also be able to claim Employment and Support Allowance, though i don't know enough about your circumstances to say for certain.

 

I'm pretty crap with debt but have a good working knowledge of the benefits system and would be happy to try and help if you have any questions.

Edited by Jen2603
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Hello there. You may be interested in downloading our self-help pack, Dealng with your debts. It has a wealth of really useful information:

http://www.nationaldebtline.co.uk/scotland/pdf/self_help_pack/full_pack.pdf

 

We also have a money advice tool, My Money Steps, which can provide tailored help and support via the web: http://www.mymoneysteps.org

 

We hope you find them useful!

 

National Debtline.

For Free, Confidential and Independent advice: 0808 808 4000

Monday - Friday 9am to 9pm // Saturday 9.30am to 1pm // 24-hour voicemail. Please leave a message to request an information pack. http://www.nationaldebtline.org // http://www.mymoneysteps.org

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Hi Christine.

 

Firstly, I am so sorry for the delayed response. I've not been online the last few days due to illness. As he is on SSP, he can't claim any DWP benefit such as JSA, ESA or IS. I see you stopped working last year. If you were working in the tax years 09/10 and 10/11, there is a possibility that you may be eligible for contribution based JSA. This is only payable for 6 months, but it's a start and is definately worth looking into.

 

The turn to us calculator isn't designed to deal with in-year adjustments as far as I am aware - it's more geared toward a total year award. However I would suggest that you contact Tax Credit 0845 300 3900, and tell them that your husband is on SSP therefore the total estimated income for the year will be lower, and ask them if it is possible to do an in-year adjustment on your award. They will likely need a new estimate for this. Now, I don't claim to be an expert on in-year adjustments. All I know is that it is possible in some circumstances and I've had them done when I've been long term sick years ago, so I don't know if you will definately get one or not but it is worth a shot.

 

Another thing worth checking is housing benefit (if you are a renter) and council tax benefit. You may be eligible for some help with your rent and council tax due to the drop in income. Your local authority will have an application form to apply - don't delay though as benefits are rarely backdated unless official error is the reason for the delay. If eligible, they will of course be backdated to the date of your claim, apart from JSA because that has a three day 'waiting period'.

My advice is based on my opinion, my experience and my education. I do not profess to be an expert in any given field. If requested, I will provide a link where possible to relevant legislation or guidance, so that advice provided can be confirmed and I do encourage others to follow those links for their own peace of mind. Sometimes my advice is not what people necesserily want to hear, but I will advise on facts as I know them - although it may not be what a person wants to hear it helps to know where you stand. Advice on the internet should never be a substitute for advice from your own legal professional with full knowledge of your individual case.

 

 

Please do not seek, offer or produce advice on a consumer issue via private message; it is against

forum rules to advise via private message, therefore pm's requesting private advice will not receive a response.

(exceptions for prior authorisation)

 

 

 

 

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Hi ErikaPNP! Thanks for your response. We have a bit of good news. I had an interview on Friday there for a clerical Assistant, full time, mon - fri 9-5. I got offered the job on the spot. I just started there on Wedensday.

We have put in a claim for Council Tax benefits and are currently waiting on them getting back to us. I need to let them know that I've started work, do you think that'll mess up the claim?

 

Moneys still a bit slow as I don't get paid until a week tomorrow. Its all fun, you go to work, see your pay then its all gone!

 

I contacted tax credits and managed to get an extra £20 added on a week, so thats helping.

 

Once again thank you for your response, it's very much appreciated!

 

Christine

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IdaInFife! thank you for contacting Erika for me, she sent me a lot of great information.

Sorry I haven't been on CAG for a wee while, I started a new job on wednesday there and have also been studying for my maths exam.

 

Thank you for all your help, It's very much appreciated!

 

Christine xx

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Excellent news regarding your new employment :)

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Great news and please make sure you have told the benefits office you are working :-)

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Hi IdaInFife! I informed the job centre about my job as soon as I got offered it. My husband may be able to claim job seekers on my behalf through income based for the time i was off.

I'm hoping things will improve, as this has been one hell of a year so far!

But thanks to yourself and everyone on CAG that replied and gave wonderful advice, I can finally see a way out the mess!

 

Kind regards

 

Christine

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