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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
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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.
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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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Help with Debt Managers Ltd - Arrow- Shop Direct (Carval)


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Have a read of my thread http://www.consumeractiongroup.co.uk/forum/showthread.php?353972-Debt-Managment-Ltd-sending-txt-to-my-phone&p=3869681&viewfull=1#post3869681

 

Sounds like I'm a little further along their conveyor belt of Xmas cracker P.O box "Solicitors"

 

Just sent them a merge of about 4 letters, should keep them busy! :-D

Andrew

 

Escaped the DCA nightmare, now helping others start businesses

www.ukleakdetection.co.uk

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thanks everyone I will read your post now Nishi

 

So if this debt is an alleged catalogue debt then is this covered under CCA and worth sending a request to them? thanks.

 

Can i get this default off since they didnt send me a notice?

If i help feel free to click star on my post. cheers

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Yes it is subject to the CCA, but they won't have one I guarantee it.

 

Do you recognise this debt? Did you have a catalogue?

 

If this isn't yours then the CRA should be informed to remove the incorrect data from your file or face legal action along with the clown who placed it o their.

 

If you do recognise it, then you can tie them up in knots, reclaiming all the fees and charges they have added then paying £1 a month, it will never go near a court.

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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i have had a catalogue once before - but only used it lightly and they are claiming i owe over £400 which is incorrect.

 

 

one of the linked addresses they put on myfile is incorrect IE the house across the road - i have informed the CRA's of this

 

I guess i need to tell these lot the same?

If i help feel free to click star on my post. cheers

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Theyre claiming that amount because the debt is full of penalty fees which you can reclaim.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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ok this is my draft should i send or not?

 

Disputed Debt.

 

 

 

Dear Sir

 

I have received your reply dated xx/xx/xxxx.

 

If you were not told by xxxxx that this debt is in dispute then you really should ask them for more details. I sent xxxxxx a letter on the xx/xx/xxxx requesting they provide evidence as to my liability for this debt. I can inform you even till this day they have not done so and nor have yourselves.

 

Furthermore they have placed a default on my credit file on the xx/xx/xxxx without even sending me a default notice. To register information with a credit reference agency, you must have written consent from the customer to collate and share such information. A complaint to the ICO is in process.

 

I will not be making any further payments to you until you provide me with the documents I have requested. Whilst you remain in default of my request, you are not permitted to take any action against this account. This includes adding further charges and passing any information to the credit reference agencies.

 

Should you not have any documents to prove my liability in relation to this alleged debt, please confirm this in writing to me.

 

 

I look forward to your reply.

 

Yours boringly...

If i help feel free to click star on my post. cheers

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http://www.consumeractiongroup.co.uk/forum/content.php?428-General-debt-letter-if-you-know-nothing-of-the-debt - prove it letter

 

http://www.consumeractiongroup.co.uk/forum/content.php?426-A-letter-when-the-account-has-been-passed-to-another-debt-collection-agency - letter for when it's "yo-yo'ing" around different DCA's

 

http://www.consumeractiongroup.co.uk/forum/content.php?425-Letter-to-solicitors-threatening-legal-action-in-default-of-agreement-request - letter to whoever when they are in default of an agreement request.

 

 

See if any of those apply.

 

As a side note, you dont have to "pussy foot" around or ask that they consider doing things. Tell them exactly what they have done wrong, and what you want achieved. Bullet point it if necessary. DCA's and a lot of creditors just bin standard templates, or ignore it. The longer a letter is, the less attention it will get. DCA's normally have the attention span of a gnat, so keep everything short, sweet and to the point.

 

If you write " NOTICE OF FORMAL DISPUTE" or "NOTICE OF FORMAL COMPLAINT" in big black letters at the top of the letter however, it usually gets their attention fast.

 

Send them the prove it letter first. If they dont provide proof, then the alleged debt goes into dispute and they'll be stuck. Always remember, refer to the debt as the ALLEGED DEBT or the ALLEGED ACCOUNT. Do not use any other wording as it could be taken that you acknowledge it, thereby negating the need for them to prove it.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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yes i sent that one last week to them

 

they sent me nothing to prove... so the letter above i was thinking of replying to them. they just asked me for previous address details....

 

cheers

If i help feel free to click star on my post. cheers

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If they didnt send any proof at all in that time, then the alleged debt is now in dispute and they need to remove your details from their system. You should also make a full complaint to the CEO of the DCA and to the OFT.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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yep. You sent them a legal request, the account is now in dispute. Whatever they send, simply tell them that because they didnt respond to your request, you will now be reporting them to the OFT/FOS and no further correspondence will be entered into with them.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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thanks they contacted me about 7 days ago with last letter - how long should i give them before i write back and tell them to take me off their system? same as a CCA request? 12+2 days?

 

thanks

If i help feel free to click star on my post. cheers

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If you sent the prove it letter, they usually have 7-14 days to confirm the debt is yours or they are removing your details from their systems. If they continue to harass you about the alleged debt without proof, then they are in breach of their credit license and MUST be reported.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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There is in fact no speciied time limit some DCAs may reply

most will ignore and continue to press for payment.

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

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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You could always add a time limit. If proof isnt provided, then they are in breach of OFT guidance and possible harassment.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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Arbitary time limits as used frequently by DCAs are practically useless

as we see very day ''must respond in 7 days or we may'' etc.

Statutory time limits have to be adhered to although penalties for

non compliance even on statutory limits are no longer very effective.

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

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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The fact that they still harass when in default of a legal request could be used against them

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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As said above the penalties are weak as are the regulators at present.

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

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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Recording your calls is a good idea but to be able to use this recording, legally you must make the person you are calling aware of the fact that you are recording the call and if they object you must stop recording - Comes somewhere under the Wireless and Telegraphy Act ... something or other. If you don't do this you cannot use the recording as evidence as it won't be legal. Just so you know ... Good luck!

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Actually you dont have to make the other caller aware. I thought the same as you originally but it seems that you can record a call whenever you like as long as its not covered under such things as the official secrets act or anything like that.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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re: Recording calls ... Please see

 

see what????

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

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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Yes you can record calls, and no you don't need to inform the caller on the other end you are doing so.

 

I record all of my calls, and I don't inform the other party that I am doing so, if there is a dispute of some sort, then by disclosing that I will listen to the recording of the call again, often diffuses the argument.

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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