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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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    • 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.

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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Is the bank taking your Benefits ?


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My Mother telephoned this morning to say my Sister was distraught. When I arrived, and found that the problem was the bank have been taking charges of £33.00 from her account. This was as a result of her going overdrawn by £0.66. She is a single parent, and this represents 40% of her weekly income!!

 

After the Post Offices closed down, she was given no option but to open an account with the bank to get her benefits paid in.

 

I stormed to the bank, livid, and following some commotion, I was shuffled into the Managers office. He informed me that they could not guarantee the account would not go overdrawn, as I requested that it is Debit only. She has no direct debits, and I can only assume that the £0.66 o/d was caused by a £2.00 monthly service charge applied.

 

He informed me that he would investigate and contact her directly, and if she was not a persistent offender, any charges made would be reimbursed.

 

She has recently been sent a letter from them stating a £6 a day charge for unauthorised overdrafts, and I believe this is a clever way of informing her of an alteration to the Terms and Conditions of the original account.

 

It's not often I lose my cool, but I am hopping mad about this.

 

How many people are doing without basic necessities because they have been forced to open a bank account to receive their benefits?

 

Also, why has there been no intervention by the Government to prevent those struggling (my Sister is unable to work due to medical reasons) from becoming the victim of these profit hungry leeches?

 

How can anybody take the food off the table of my nephew after deliberately placing my Sister in an overdraft position?

 

I cannot comprehend the morality behind this.

 

Sorry to rant but I am livid, will decide what to do when I calm down (NEVER ACT IN ANGER).

 

Absolutely livid

 

Tide

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Completely with you on this one.

 

I take it this is Lloyds the barking mad bank. Where Barclays recently slashed their penalty charge to a one-off £8, Lloyds raised their penalty charges. £2 overdrawn, £200 penalties in short order is the norm with them. I would more than support CAG joint action to single out Lloyds without waiting for the Test Case to trundle to an eventual verdict -- in 3 years time?

 

Justice delayed is justice denied.

 

New Law - Breach of the Banking Code can now be prosecuted by the OFT or Trading Standards

 

 

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Tide if she's willing get the media involved now......£33 for going over by 66p & it turns out it's the banks charges that have caused it not feckless spending. Christ the press will love this

 

She MUST also write to her MP asap

Edited by JonCris
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JonChris

 

Couldn't agree more. Especially as the 66p was caused by the bank's own service charges - why didn't they exercise their right to not charge it and not provide the service? Oh, I forgot, they make a lot more money this way :mad:

 

 

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Tide.

 

I am also with LTSB for my banking and they have recently taken money out of my benefits for BCs.

 

Now i applied for a Crisis loan stating the reason why and was turned down due the the fact that LTSB have a agreement with ALL benefits offices not to take charges out of benefit money according to the benefits office.

 

the bank is currently investigating if this is true as the person my OH spoke to does not know anything about it but the supervisor remembers seeing a fax about 6 mths ago regarding this.

 

I am going to PM u a phone number the DSS gave us to contact the bank with regarding this it has so far worked with us as the next lot of chrges have been waived and we may be getting the last few lots back when they move there ass about it.

Edited by The GodMother
spelling.

OFT debt collection guidance

 

Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

Essex girl in pc world looking 4 curtains 4 her pc,the assistant says u dont need curtains 4 a computer!!Essex girl says,''HELLOOO!! i,ve got WINDOWS!!'.

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There have been several reported cases of Banks taking charges from accounts that have benefits paid into them by DWP and Social security.thus leaving them with little or no money.

Here is a template letter to take or send to the bank to address this.

It is important to let the bank have this BEFORE you expect to have funds paid in by DWP or the Inland revenue.

A new letter should be sent for each payment that you expect to be protected,customise as required by adding the benefit/type of payment.

 

 

 

 

RIGHT OF APPROPRIATION

 

Dear Sir/Madam,

ACCOUNT NUMBER: xxxxxxxxx

 

I am writing to inform you that I am due to have a Tax Credit payment of £xxx paid into my account on xx/xx/xx, and I wish to use my first right of appropriation for this money, for the following purposes;

Rent £xx

Utilities bills £xx

Housekeeping money £xx

I will withdraw the money on the day that it is deposited for the above use, and I would be grateful if you would ensure that any other payments out of my account do not interfere with this withdrawal.

 

Yours faithfully,

 

[signature]

 

[print name)

hi does that apply to state pension as well, the halifax want to take £70 of my £110 pension on the 14th for refused direct debits

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Hi VS

 

For information - to send someone a PM, click on their name or avatar and it will take you to their profile. There is a tab labelled "Contact Info" which, if you click it, will offer you the option to send a PM to that person.

 

 

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Tide.

 

I am also with LTSB for my banking and they have recently taken money out of my benefits for BCs.

 

Now i applied for a risis loan stating the reason why and was turned down due the the fact that LTSB have a agreement with ALL benefits offices not to take charges out of benefir money according to the benefits office.

 

the bank is currently investigating if this is true as the person my OH spoke to does not know anything about it but the supervisor remembers seeing a fax about 6 mths ago regarding this.

 

I am going to PM u a phone number the DSS gave us to contact the bank with regarding this it has s far worked with us as the next lot of chrges have been waived and we may be getting the last few lots back when they move there ass about it.

 

 

GF if this is correct please post the details as this will be of immense help to some I'm assisting

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My brother has been hit with charges as TV licencing tried to take a direct debit of £70 for his quarterly payment! Funds obviously not in so charges taken from his JSA. I tried arguing with customer services - useless.

 

A number would be no end of use but even just the appropriate letter to hit the branch with would start things off as I know this has happened before on his account.

 

(Have won 2 battles there already for folk - manager hates me. Which upsets me, it really does....hehe)

Dipply75

 

I am in no way a legal advisor and only speak from my own experiences and the helpful advice of those in the same boat! :p

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:D Great big heartfelt thanks to you Godmother, and to you Tide Turner. I know its not hundreds, but its a lot when you're on benefits.

 

How busy will their Monday morning be :lol:

Dipply75

 

I am in no way a legal advisor and only speak from my own experiences and the helpful advice of those in the same boat! :p

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How would I find out if Nationwide also made an agreement with the benefits department so that I could contact them and make them aware of this? As finding out info from the benefits department all depends on who is in fact in reciept of that piece of information.

I'm fighting back and ready to go :D who will be my first victim? LBL, Brighthouse.

 

..."If you have no confidence in self, you are twice defeated in the race of life."

 

I am not here to insult or offend...just to offer advice and seek advice as all this is a learning experience, such is the cycle of life...for those that would wish to insult me for my thoughts or deeds...Stay Blessed for I know my heart is pure with no ill thought towards YOU. :cool:

Nationwide Won:D Benefits returned £577

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Enormous thanks to all concerned. :-) Big smile through tears.

 

I wonder, though, if this is why a charge I was advised would be coming out of my account on the 1st this or last month (in my case, dyslexia forbids accurate remembering as some of the longer standing members may remember), was never taken. I've been keeping the money in my account just in case they "surprise me"

 

I have another matter upon which I would like information and guidance but I can't find the pertinent letter. I'm wondering again.....could the money placed back into my account have come from this ruling to NOT take charges.

 

The sum (£125,) wouldn't have, in any way, covered all the charges they've taken in the apst but perhaps it was what they deemed fit. I was understanding it to be something form a cheque which had been held back from 2004. I'll find letter and give more detailed info on this then ask what you think.

 

I was thinking that, had I been corrrect in my initial understanding that this should have been accompanied by interest on the amount going back to 2004, from which time it had been held by Lloyds.

 

Would Lloyds be likely to be repaying charges deciding that they would go back just as far as 2004?

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2004 makes no sense. 2002 would be 6 years and you could understand that from the Limitations Act. And I don't think Lloyds are paying back charges without being severly hassled to do it.

 

 

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Steven and JonCris.

 

I was actually cagbotted once for giving a phone number on open forums so that is why i did not put it on and chose to send it via PM.

 

This to was a useful number regarding a different company from memory i think it was studio cards non 0870/0871 number.

 

If this rule has changed then i did not know about it but i will post any relevant phone numbers in future.

 

Please could everyone be ware tho this number may just be for my local area and not all over. Tho if it is not you may be able to get the phone number from yur local DSS office or from the telephone operator themselves.

 

Sweet. All i did was apply for a crisis loan from the dss with all the relivant info. like how much they had taken out of the bank and when.

 

I was refused but that is when i found the posted info out.

OFT debt collection guidance

 

Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

Essex girl in pc world looking 4 curtains 4 her pc,the assistant says u dont need curtains 4 a computer!!Essex girl says,''HELLOOO!! i,ve got WINDOWS!!'.

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Hi GM

 

Quite a few of the bank conctact information threads have phone numbers (eg http://www.consumeractiongroup.co.uk/forum/natwest-bank/74934-natwest-contact-information.html#post652087) - I think it depends on which phone number is on the open thread (eg NatWest CEO's home number might be removed, office number not IMHO). Certainly I tink that any office number for a financial or other institution is fine.

 

BTW

This is because my baby, which they think is a girl, is due within the first 10 days of June
today is the 10th, what news? :)

 

 

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Please could everyone be ware tho this number may just be for my local area and not all over. Tho if it is not you may be able to get the phone number from yur local DSS office or from the telephone operator themselves.

 

Sweet. All i did was apply for a crisis loan from the dss with all the relivant info. like how much they had taken out of the bank and when.

 

I was refused but that is when i found the posted info out.

 

Well I gave my local a call and the employee didn't know anything about benefits and banks but she did say she would pass me on to someone who should know, so I am waiting for a call back though I will not hold my breath:D dont wanna be turning blue now do I as it could be fatal:D

I'm fighting back and ready to go :D who will be my first victim? LBL, Brighthouse.

 

..."If you have no confidence in self, you are twice defeated in the race of life."

 

I am not here to insult or offend...just to offer advice and seek advice as all this is a learning experience, such is the cycle of life...for those that would wish to insult me for my thoughts or deeds...Stay Blessed for I know my heart is pure with no ill thought towards YOU. :cool:

Nationwide Won:D Benefits returned £577

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My advise to you sweet is to apply for a crisi loan and state the reason as

 

'Bank taking benefits money for charges against The Social Security Administration Act of 1992 section 187 Certain benefit to be inalienable says:-

187 Certain benefit to be inalienable

(1) Subject to the provisions of this Act, every assignment of or charge on—

(a) benefit as defined in section 122 of the Contributions and Benefits Act;

(b) any income-related benefit; or

© child benefit,

and every agreement to assign or charge such benefit shall be void; and, on the bankruptcy of a beneficiary, such benefit shall not pass to any trustee or other person acting on behalf of his creditors.

 

They May ask u what bank it is but it does not matter.

 

The decision maker will then make a decision and let u know. They may then tell u they have the agreement.

 

Steven.

 

The only news is she seems to be staying put but the other half wants to know if a sink plunger and vax will help???

 

Tide not always are the ppl listed in the website and not always are the numbers correct so i dont rely on that.

 

All tho that has given me the correct telephone numbers on some things.

OFT debt collection guidance

 

Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

Essex girl in pc world looking 4 curtains 4 her pc,the assistant says u dont need curtains 4 a computer!!Essex girl says,''HELLOOO!! i,ve got WINDOWS!!'.

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