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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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      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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problems with mobile phone co orange,


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Hi guys,

 

After reading neumerous threads on here about other people having similar problems to mine i could do with a bit of help and advice.

 

In april 2011 Orange defaulted me for £25.10 which i did not know i owed due to them holding incorrect details.

 

they have after 11 months of me trying to sort this out accepted that this default shouldnt have been registered against me

admitted the errors that they have made and have emailed me this morning to say that the entire account will be removed tomorrow.

now this isnt the first time they have said this so im not holding my breath!

 

So heres where i am, if they dont remove it where do i go as after 11 months this is starting to wear thin! if they do remove it i expect to be compensated for the losses i have occured.

 

I know i havent included much detail here but will update if anyone picks up on this.

 

I would be greatful if anyone who has experience with cases like this could help,

 

i recently read up on philhargs thread and the support he recieved was amazing.

 

many thanks in advance

dave

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If you can prove your losses (higher interest rate on mortgage / credit card etc.) it's simple to take them to court for this amount and the removal of the unlawful default. (Google Kpohraror v Woolwich Building Society and Durkin v DSG & HFC Bank)

 

you could take them to court without proving actual losses (King v British Linen)

 

Have a read of the cases I quoted and see what you think.

If in doubt, contact a qualified insured legal professional (or my wife... she knows EVERYTHING)

 

Or send a cheque or postal order payable to Reclaim the Right Ltd.

to

923 Finchley Road London NW11 7PE

 

 

Click here if you fancy an email address that shows you mean business! (only £6 and that will really help CAG)

 

If you can't donate, please use the Internet Search boxes on the CAG pages - these will generate a small but regular income for the site

 

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thanks for the reply, ill have a read, the only thing i could see possibly being a problem with proving my losses is that the default has meant that everything i have appliead for creditwise has been rejected so any credit we have is all in the wifes name. we havent been able to remortgage because of it but like i say everything is in the wifes name including the mortgage so would this affect me being able to claim for that. we should have been able to remortgage last yr with me on the mortgage to a lower rate take some equity out of the house and pay other things off, instead we couldnt and we've had to pay interest on other stuff for the time that defaults been there.

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hi locutus,

 

ive done a few searches and a bit of a read up on those. would it be a good idea for me to write to orange once (if) the default is removed with my expectations for compensation. it seems that the benchmark set by the durkin case is £8k for tarnishing a persons credit worthiness and would it help my case to include reference to these cases. To be honest its probably cost me in real terms about £5k over the last yr so if i could achieve that ammount id be happy. Or am i being unrealistic here??

 

thanks in advance

dave

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Keep in mind that anything up to £5000 will most likely be small claims track in your county court (so costs will be limited)

 

You need to follow pre-action protocol

 

More light reading for you http://www.consumeractiongroup.co.uk/forum/announcement.php?f=115&a=263

If in doubt, contact a qualified insured legal professional (or my wife... she knows EVERYTHING)

 

Or send a cheque or postal order payable to Reclaim the Right Ltd.

to

923 Finchley Road London NW11 7PE

 

 

Click here if you fancy an email address that shows you mean business! (only £6 and that will really help CAG)

 

If you can't donate, please use the Internet Search boxes on the CAG pages - these will generate a small but regular income for the site

 

Please also consider using the

C.A.G. Toolbar

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thanks for the reply, ill have a read of that tomorrow. ive been looking into this all day and the information has stopped going in now!!! i was hoping to get them to settle fairly quickly at that ammount. after a quick work out today the figure im out of pocket is more than i thought, around the £7k mark. i just want an end to this now!! do you think im being unrealistic in my expectations??

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another update, woke up this morning and im suprised to see the they have actually stayed true to their word and removed the default from my credit file. i nearly fell over. now im guessing this changes things considerably as that has to be an admission of liability?? am i right in thinking this??

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Hi Dave,

 

You're right. You can claim £5K for general damages to creditworthiness in the small claims court. It's a form of defamation and requires no proof except that the default was wrongfully placed.

 

Noddy on here is trying. He's been at it for 6 months and should finally get a result next month. He'll be the first to do so this century.

 

Although it's quite a simple claim, the guilty party can make it very tedious. In Noddy's case, judicial incompetence hasn't helped either.

 

Cheers,

 

Richard

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hi Mr Durkin, you are somewhat of a legend around here!!! I have just put a letter together to send to their executive office outlining why i expect to be compensated to the tune of £5k for. They have seriously affected my life for the last 2 years and im glad i didnt let it go! Im glad that you have picked up on my thread and any help and advice would be greatly appreciate!!

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so i just read noddys thread only took two hours. so im guessing his case could make or break mine, im hoping that orange just roll over and pay me but wont hold my breath. i dont really want to have to go through the whole process that noddy has but ive come this far and had the default removed. if it comes to it im happy to go to court and nail their nuts to the wall.

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Strange this.

 

In June 2011 (yes a month after HSBC default discovery) mobile network 3 sent me an outstanding bill of £35. My contract was 18months from Jan 2007 - Aug 2008.

 

So they contact me 3 years later. This was the first time they contacted me for this "unpaid" balance. So I went to the 3 store, and after several attempts (asked for the manager obviously) got a statement on their screens saying "account paid in full to DCA on 06/08/08". Got a printout (funny they couldnt print it off, we had to screenshot it and paste and all that malarky). Gave 3 a call, and said "its obvious I had paid the account in full. Furthermore, the obtained records show someone has fiddled around on my account around Feb 2009 and Feb 2010. I think you should accept this, or I shall pursue this matter further. I will accept a £10 gesture of goodwill".

 

And that was the end of that one. So I dont see why they didnt try to contact you themselves or with DCAs.

 

Also make sure you save or get a copy of the following:

 

1) Copy of credit file with the default on there

2) Copy of the default off the credit file

3) The letter admitting the fault

 

1 and 3 are more important.

I went all the way to court to seek compensation for "damage to creditworthiness" against HSBC. I lost unfortunately.

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they said they did but there's no record of any bills or correspondence from them in that period within their SAR. It was when I pushed them on the SAR that they conceded they had made mistakes and removed the default. they had the wrong address for me even though i gave them the correct one. they even had me listed as "miss" instead of mr! like i say their catalogue of errors is growing by the day! the SAR is laughable, I have more information than they can provide me with!! when was your court date again?? im only down the road from you in bham, i might pop in on the day of your case so i can see what to expect if mine goes that far!!

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mobile phone companies give out defaults like free minutes though from what ive been reading! they aren't subject to the same rules and laws as the banks and cc companies. good job you got that sorted with 3 pretty quick!

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Lol, ooh! Am I going to get a mystery fan club showing up? Shall I invite the media? But I want to stay anonymous in the media.

 

27th Feb.

 

To be honest, I think I could do with extra support as I dont have a pricey barrister!

I went all the way to court to seek compensation for "damage to creditworthiness" against HSBC. I lost unfortunately.

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I shall also advise you that do not contemplate if you are seeking to take action. See my join date of this forum? It is Sep 2011. The default was discovered in May 2011. From Sep 2011 till about last summer I contemplated and wasted plenty of time. It could have been over by now if it goes in my favour. I started proceedings in Aug 2012 a whole year later.

 

So do not waste time. That is the best advice I can give you at this moment in time.

 

Also, do you have a mortgage? Or if you dont, are you looking to buy a house and get a mortgage? Am emphasising on the mortgage because:

 

1) If you already had a mortgage, you cant get a decent rate if you was to renew/find new provider.

2) If you dont have a mortgage, and you are looking to buy a house then you will be in the same position like me. No one will give you one, you will find a company on the net who will give you one but hey guess what? That will be a dodgy company who will rip you off just like it happened to me.

 

So the default needs to be removed ASAP. It is better to go to court for this kill 2 birds with 1 stone.

 

Another top tip???

If you want it solving, speak to the manager. Always speak to the manager, if they are a good manager and are reputation based then what will happen is they will sort it out for you. Both cases, three and HSBC, I spoke to the manager. Previously, when I went in, the HSBC tea boy or the frontline staff were clueless and couldnt find me or the default on their system. But Mr Branch Manager did funny that aint it?!

I went all the way to court to seek compensation for "damage to creditworthiness" against HSBC. I lost unfortunately.

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if im not busy that day ill pop up, would be good to see what to expect if mine goes that far. its taken me 11 months of fighting orange to get mine removed. im not expecting an easy ride regarding compo!! i have both copies of credit file but their letter admitting fault is a little sketchy to say the least! they say "You claim to have never recieved invoices or correspondence with regards to the above account, I cannot absolutely confirm this to be true but do find it plausable in view of the records held with cra's. As such I am willing to concedethat you may not have been fully aware of the state of the account and the related debt" they then go on to say its my responsibility to make payment make myself aware etc etc that i was bound by their t&c's even though there is a lack of any contract or evidence that i agreed to these.

 

 

ill wear a funny wig if i make it to your hearing, you can call me barry star and that'll solve that problem!! lol

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Lol nice one for the banter!

 

It can be miserable as you know the hearing is closer and you aint a legal pro!

 

Mine is different, I got the manager to write me a letter stating the error ws made and the default shouldnt have been there.

 

Now with this, am thinking am 100% victory!! But others think otherwise!!

I went all the way to court to seek compensation for "damage to creditworthiness" against HSBC. I lost unfortunately.

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well our mortgage is in my wifes name only right now but we discovered this when looking into remorgaging last year. we did apply for a joint mortgage last year but low and behold refusal due to failing to meet credit scoring. i have a letter from our IFA saying this is why our applications failed and since the default was removed last week we are in the process of a new application. my credit score with experian went from 616 to 863 overnight when it was removed last week. experian have kindly written to me stating that its because default is gone and would have been 863ish for the past 2 years had the default not been there.

 

as for speaking to a manager at orange, it would be easier to plat pee!!! in 2 years ive spoken to the same person on more than 1 occasion once and that is the woman in the disclosures dept that dealt with the SAR. even shes starte ignoring me as they cant even send me any billing information even though the account was only closed 2 yrs ago!! they are now at day 51 of a 40 day allowe period to deal with my SAR!

 

Im not planning on wasting any time, they've already wasted 2 years of my time, i feel ive got a little momentum now the default has been removed so want to keep that going.

 

Many thanks for the advice

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Daven, by manager I don't mean on the telephone. You have to physically go into the store, get the store manager, tell him, make him ring and they will listen to him (maybe telecoms is crap like you are saying as in authority etc).

 

When with HSBC and 3, when I used to ring them, it used to go to some folk in India whose English wasn't first lanaguage and all he used to was repeat a script saying "you have to pay your debt whether its 3years or 30years". I got sick of that, and decided to deal with matters in person. You can't hide from people like that nor can you tell your colleague "Mr XXXX is away on holiday or he is on lunch" if someone asks, or even put the phone down as 3 used to do so on me!!

I went all the way to court to seek compensation for "damage to creditworthiness" against HSBC. I lost unfortunately.

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well as far as i can make out from what ive read online, mobile phone accounts are not credit agreements and as such they are not allowed to share my information with anyone let alone cra's without my consent. (if anyone knows otherwise let me know) they didnt have my permission to share my info and even told me prior to removal of the default that if i wanted it removed then i would have to email them allowing them to remove it. I did this allowing them to remove it on the ground that they were in the wrong etc and shouldn't have ever been put there. I also included that if they were offering to remove the default as a gesture of goodwill or for any other reason that they were wrong then they should leave it there and id get the court to make them remove it! as far as im concerned its been removed on that basis!

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orange have been a nightmare to deal with all the way along, exactly the same, call centres in india, dont understand what your trying to get accross. on one occasion i did speak to someone in crappy service who said he would get the default remove, sent me a text message tio confirm and it never happened! orange deny this, and strangley that text message has dissappeared from my phone!! now i would not have deleted that! luckily i had taken a screen shot and sent it with my SAR asking specifically for all details regarding that text. low and behold they have no records of it!! the stores couldnt help me as it was a closed account. most times when i called crappy services couldnt find details of the account and then hung up on me when i got shirty!

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Lmao your last sentence so happened to me! My flatmates used to think why is he fuming in the room!!

 

I don't want to advertise on here and if an admin sees am rule breaking then am sorry.

 

You shouldn't go on contract they are a rip off! You pay excess amounts and then similar crap like this happens which haunts you for years.

 

Go on pay as you go with a cheap network like gifgaff, you stil get wonderful minutes for next to nothing! Even 0800 free numbers are free!! Yes you don't get a fancy phone, but who cares?! After 3g I paid 02 4 years worth of £60 per month on average. Now I pay £20!

I went all the way to court to seek compensation for "damage to creditworthiness" against HSBC. I lost unfortunately.

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