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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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Advice needed re: Settlement


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Hi - have been clearing the majority of my payday loans with the help of my father, and after a lot of persistence I have managed to get Wonga to send me a settlement figure. It seems reasonable to me, as it works out to be less than the original loan + 1 months interest, which is what I have been attempting to get all of them to settle for. Here is the offer, which came via E-mail. Assuming they will accept payment by bank transfer, I am leaning towards accepting it and paying them in full. Would appreciate any feedback from those that have dealt with Wonga as to whether this is a good deal for them, and if they can be relied upon to honour it. Here is the E-mail offer I received - Thanks in advance for your help :) (Original loan was £1084 and I had previously had probably 20+ loans with them all repaid on time)

 

 

Hi

 

We appreciate you getting into contact with us about your loan, we have taken a look into the matter and this is what we have come up with.

 

Our Finance team has generated a once off settlement balance, given your current balance of £1579.33 to date and account in arrears - £1184.00 is what will be accepted as settlement of the loan. This offer is valid until 19 September 2012.

 

Could you please respond with confirmation that you accept the terms above?

 

 

Wonga.com

Hardship Team

PO Box 66147

London

NW1W 8PF

 

Our office is open Monday to Friday, 9am to 6pm so please do not hesitate to get in touch.

 

Kind Regards,

Hardship Team

Wonga.com

[email protected]

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Hmm. How much was the original debf and have you had a full breakdow of the account. Discounts usually, although not always, mean theres a big problem with the debt.

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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Original loan was £1084 and its 92 days overdue, so presumably at the point where its about to be passed to their DCA?

 

The current balance they quoted is basically just the original loan amount plus interest for last 90 days. I had a large number of loans from them in the past which were all paid back on time.

 

It seems a fair deal to me. As far as I can see there is nothing wrong with the loan, unless I am missing the meaning in what you say?

 

I am waiting for them to confirm it in writing once again and send me the bank details etc to transfer to, and then I guess I will decide.

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You don't mention if you have made any other payments towards the outstanding balance prior to this offer being made. If you haven't then that means they are only looking to charge you £100 interest on the original loan amount which sounds like a very fair deal to me - as long as you get confirmation in writing that the debt is settled and will not be passed on to any other parties of course!

 

Cheers,

MB78.

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Sorry I see what you mean now - no I never made a payment on this loan, so agreed I think its very fair. Presumably an E-mail such as the one I pasted above is okay as far as proof of arrangement? I will be paying by transfer so they wont have any debit card details to re-attempt anyway, plus I think Wonga are not as bad as the others as far as that kind of thing goes, at least thats what I heard?

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Sorry I see what you mean now - no I never made a payment on this loan, so agreed I think its very fair. Presumably an E-mail such as the one I pasted above is okay as far as proof of arrangement? I will be paying by transfer so they wont have any debit card details to re-attempt anyway, plus I think Wonga are not as bad as the others as far as that kind of thing goes, at least thats what I heard?

 

Sorry to interupt your threadbut did you ever receive a welcome letter from wonga?

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I don't think so no. Not sure have ever received actual mail from them. Even since being overdue for so long. Why you ask?

 

I took a loan out with them last week and it says you will receive a welcome letter and i have been worried that the wonga logo will be on the envelope - dont want my partner to find out

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I think with Wonga you are safe on that front. It defiintely wont be on the outside of the letter either way. The only ones that sent an unwelcome welcome letter to me were payday express (who continue to send me offers now even though I asked them to close my account when I settled with them) and Payday UK

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Hi - have been clearing the majority of my payday loans with the help of my father, and after a lot of persistence I have managed to get Wonga to send me a settlement figure. It seems reasonable to me, as it works out to be less than the original loan + 1 months interest, which is what I have been attempting to get all of them to settle for. Here is the offer, which came via E-mail. Assuming they will accept payment by bank transfer, I am leaning towards accepting it and paying them in full. Would appreciate any feedback from those that have dealt with Wonga as to whether this is a good deal for them, and if they can be relied upon to honour it. Here is the E-mail offer I received - Thanks in advance for your help :) (Original loan was £1084 and I had previously had probably 20+ loans with them all repaid on time)

 

 

Hi

 

We appreciate you getting into contact with us about your loan, we have taken a look into the matter and this is what we have come up with.

 

Our Finance team has generated a once off settlement balance, given your current balance of £1579.33 to date and account in arrears - £1184.00 is what will be accepted as settlement of the loan. This offer is valid until 19 September 2012.

 

Could you please respond with confirmation that you accept the terms above?

 

 

Wonga.com

Hardship Team

PO Box 66147

London

NW1W 8PF

 

Our office is open Monday to Friday, 9am to 6pm so please do not hesitate to get in touch.

 

Kind Regards,

Hardship Team

Wonga.com

[email protected]

 

That seems pretty good since some of these payday companies charge ridiculous amount of interest ie payday overdraft - took a loan out for £150 and ended up with a balance of £2600

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I think with Wonga you are safe on that front. It defiintely wont be on the outside of the letter either way. The only ones that sent an unwelcome welcome letter to me were payday express (who continue to send me offers now even though I asked them to close my account when I settled with them) and Payday UK

 

I really hope so it was just a silly thing I did - i wish i never applied for it now.

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hi hope you dont mind me butting in on this! but i just cant afford for payment to come out of my account this month, wife is really ill and we are desperately short of money, have either paid in full or had an extension up till now, its due to be paid in 2 weeks time, i really dont want them ringing my work how can i stop them doing this? any info most welcome please, also if i cancel my card will it def stop them taking my money?? many thanks

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hi hope you dont mind me butting in on this! but i just cant afford for payment to come out of my account this month, wife is really ill and we are desperately short of money, have either paid in full or had an extension up till now, its due to be paid in 2 weeks time, i really dont want them ringing my work how can i stop them doing this? any info most welcome please, also if i cancel my card will it def stop them taking my money?? many thanks

 

Have you already defaulted and on the repayment plan or do you mean the total loan amount is due in two weeks? If the former then you can ring up and ask them to ammend the date/ammount on your repayment plan. If the latter then you can default, make sure you have no money in your bank account for them to take and then get in contact with them to set up a repayment plan.

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no as yet i have not got a repayment plan or defaulted, but it will def default in 2 weeks time, is it best to email them, really dont want to ring them, also how do i stop them, if they will, from phoning my workplace? do i email them to ask for repayment plan on day of default? also if i cancel my card will it stop them from taking money from my account as i have read that they still can? many thanks

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I am not sure there is any way you can definitely stop these crooks doing anything. Obviously you can stop them taking the money by cleaning out the account, although I will say this - Even after we cleaned out our bank account and cancelled the debit card on it, the bank still paid some debit card payments, and after much back and forth on the phone and in branch, I got them to put, in writing, that even after a card has been cancelled it is possible for these companies to charge it. It all depends on how they do it - a lot of them have found ways round the system by back dating the requests etc - So make sure you protect yourself completely. I have ended up with an additional problem with my old bank now because of it.

 

As for the calling work thing, they did call mine a couple of times, on the day the loan was first due and not paid. Only Minicredit and Payday UK did this, and they had to really apply themselves to get the number too as I only put down the head office details, not the actual branch where I work. So they had to somehow get this info from them (another story).

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I am not sure there is any way you can definitely stop these crooks doing anything. Obviously you can stop them taking the money by cleaning out the account, although I will say this - Even after we cleaned out our bank account and cancelled the debit card on it, the bank still paid some debit card payments, and after much back and forth on the phone and in branch, I got them to put, in writing, that even after a card has been cancelled it is possible for these companies to charge it. It all depends on how they do it - a lot of them have found ways round the system by back dating the requests etc - So make sure you protect yourself completely. I have ended up with an additional problem with my old bank now because of it.

 

As for the calling work thing, they did call mine a couple of times, on the day the loan was first due and not paid. Only Minicredit and Payday UK did this, and they had to really apply themselves to get the number too as I only put down the head office details, not the actual branch where I work. So they had to somehow get this info from them (another story).

 

You didnt cancel the CPA that was on the account. You MUST do this when dealing with PDL's, as they will exploit it. They have also been known to pass account details around different PDL's and those PDL's debit money even though you never had a loan 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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