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    • Unsure what would be classed as appeal I first contacted the applicant then IAS. I am not aware I could appeal again as Bank state I was informed that is news to me. I would have to look through the paper work, I apologise I forget so much due to my caring duties wish I had quality time to get so much done. Will try and look tomorrow, appreciate everyone's time and input.
    • Regular savings accounts are accounts designed for savers who put money aside every month and reward them with a generous interest rate.View the full article
    • 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.
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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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    • 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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Orange mobile .... charging for phone not taken out by me


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I have had an orange mobile for 15 years, this was given to mum to use and paid from my personal account, bout 5 years ago i paid attention to the standing order charge and asked my my mum why she was spending 70 per approx but still ahd lots of free minutes. After a long conversation with Orange it transpites 50% of the charges are for a second number on my account. After a bit of digging it seems as i also vaguely recalled that some one took a contract out in my name in approx 2005, when some paperwork arrived at my address i immediately phoned Orange advised them an a bar was p;laced on the account m I wrote to them as discussed and put in writing that this was not me heard no more on the matter, It is this phone that has been charged ever since for £30 per month to my account, My phone call to there offices 5 years ago reiterated this matter, they refused to refund my moneypaid and i didnt persue it as i had a lot going on my life at time, In jan this year when my mum phone was finally cancelled i noticed again a dd from orange and yes u guessed it they were still charging,

1, i wrote recorded delivery and phoned to request refund

2. i only got a letter confirming cancellation

3, i wrote again requesting copies of all charges and copy of original contract which will prove it was not mine, no reply

4, wrote again to Oranfe again re point 3 and again requested refund

5. received a reply finally , no documentation but reiterating no refund and i was resposible for these charges

 

Cn i anyone help as to what i should do next, i have writtent o them again asking for copies to pesue thsi matter thru the small claims court but no reply to date, i checked offcom complaints site but it doesnt appear that Orange is a member who is part of ther scheem

 

HELP

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Hi I have just completed a successful challenge for

a third party on a very similar situation.

I made Subject Access Request under the Data

Protection Act 1998 this compels the creditor to

supply you with all the data they hold on you and

the account.

There is a statutory charge of £10 for this and they

have 80 days to comply.

 

There is a template letter in the CAG Library (green tab top left of this

page.

You can amend this suit your case, be specific in the description of what

you want from them.

This should be addressed to the Data Controller at the companies HO.

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Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

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An e mail to Olaff got me a response from an exceutive assitant,,,,,,,,,,,,,, offered me 3 months payments as good will against charges incurred as it was my job to monitor payments from my account , I politely declined,As i pointe dout it didnt incur any charges as the line has been barred since 2006 and no calls or line costs ever incurred , Now resorting to sending SAR to get copy of the fraudulently agreement before hitting the small claims court, Any advice anyone?

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The weakness in your court case would be the length of time it has taken for you to realize this issue. Playing devils advocate, and if this did get in front of a judge, how would you answer "Why has it taken this long for you to realize £35 per month extra was being taken out of your bank account?"

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