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    • Thank you everyone!  thought to share some points from my experience in court today that may help others who are taking Evri to court: The judge sets out how the hearing will go and how each party should behave; while i was certainly feeling anxious/nervous ahead of the hearing (and I'm sure @jk2054 may have also observed this), the judge really does try to put any non-legal persons at ease; refrain from talking to the other party and instead speak to the judge if you have any questions/responses; the judge and the advocate spoke about tort of negligence - i wasn't sure how this applied to my case but the judge was questionning the advocate about this so i chose to stay out of this; the judge made reference to a historical case of Donaghue v Stevenson which established a duty of care; the judge observed that some of the points in Evri's witness statement by george wood needed cross examination but george was not present today for questionning; While i was claiming 8% interest, the judge pointed out that is the upper limit and that today, savings accounts give 4-5%. I therefore opted for 5% interest which was agreed to by the judge and the advocate; above all else, ensure you know your court bundle and have any notes to help you refer to specific sections - it helped me to structure my answers to the judge/defendant's queries, and point to specific evidence where i was asked to prove e.g., the value of the item. @honeybee13 - yes, will confirm when payment is received. I have emailed the Evri.claims email with my bank details and also provided them after the hearing to the advocate. @BankFodder message received and i am replying to it
    • Looks promising then.  Well done   Dx
    • So a little update.  I sent a complaint to ico and have heard nothing. I just got the general reply email and that's it.  Sat twiddling my thumbs and thought about what I should do next. I searched for the CEO of Studio but then found that he'd left so as keep getting letters from studio about the arrears etc. I thought I'd email the David Twigg. Sent him all the bumpft and a copy of my original complaint and sars request.  Got no response. So didn't know what else to do. Then I thought I'd try through the financial difficulties option on the online form. One last try before I just give up and let them default me.  Then on the 5th June. I got an email from their customer services. That the items that had gone AWOL have all been cancelled. Nothing else on that email, so I had a look in an email account that I don't use anymore and there was an email from the customer service.  That they were sorry for the problems I've had for the last 9 months. That the sars info was emailed to me on 14/04, it wasn't I've kept all spam and deleted emails on that account, they have raised a complaint with their studio pay team regarding the issues, balance dispute, fee's and my credit file. They are hoping to resolve in 3 days but they have upto 56. They also said in regards to my other issues I have to raise a complaint with studio retail but haven't told me how I do that.  The sars info only goes upto the end of December 2023. It has my previous complaints on there but nothing after so I don't know how I get hold of that information. Luckily I've kept copies of every time I've contacted them. Every web chat or social media contact.  Apologies for the extremely long post but I wanted to add everything I could just incase.  I have checked my account balance and it's still minus 900 odd pounds but I'll keep checking to see if it's all cleared and on my credit file.  I'm hoping this is the end of the whole debacle and they close my account because I never want to do this again. Although it's been a learning experience.  Thanks to dx100uk for pointing me in the right direction. Much appreciated.   
    • Fraudsters copy the details of firms we authorise to try and convince people that their firm is genuine. Find out why you shouldn’t deal with this clone firm.View the full article
    • If you want to cause DCBL trouble, then complain to the SRA.  It would be even more fun if mystic_bertie would complain at the same time, to show the SRA there is a pattern.
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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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Hi Smith5112

 

I too am in the same boat as yourself. I am due to pay back a SpeedCredit loan soon. I have tried payment on SpeedCredit, Toothfairy, NDR and Marshall Hoares websites and each of them says the loan does not exist.

This must be a widespread issue.

 

The cynical side of me says that NDR will add on lots of bogus charges to peoples accounts eventhough people had no Website or Bank Account to Repay to. In fact I would'nt be surprised if this was all done intentionally for NDR to make money out of people.

I myself have no intention of paying NDR anything until they provide me with proof that that they now legally own the debt and also proof that the loan was payed to me in the 1st place.

 

I don't expect that they will be able to provide this to be honest.

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It could well be that there is something wrong with the information on their websites. That having been warned by the OFT they are making changes to comply with the regulations.

 

It is suggested that you put the money aside - JIC they start chasing for it.

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Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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And take a screenshot (or print off) the message on their website saying your loan doesn't exist, then write the date on it.

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Please consider making a donation, however small, if you have benefited from advice on the forums

 

 

This site is run solely on donations

 

My advice is based on my opinion and experience only. It is not to be taken as legal advice - if you are unsure you should seek professional help.

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The number is from chichester and is a DCA's number. Just ignore it and treat it as telesales.

 

When you say they called while you were at work? do you mean your home number or your work number?

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

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We can only guess smith. Remember, they are a very very poor excuse for a company and will keep harassing. As i mentioned before, they may have been shut down, but the owner simply threw everything to another of his sub companies to try and evade the OFT. Thats why toothfairy was moved.

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

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Nobody knows, but as already advised, just keep the money in your account so you can pay it when the correct company comes along and asks.

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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The correct company will have full details, AND the relevant paperwork to enforce the debt. However, it will probably be just MCO opening up under another name that comes calling.

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 already advised, just keep the money safe in your account so you can repay it when they come calling.

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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Hi Smith5112

 

I too am in the same boat as yourself. I am due to pay back a SpeedCredit loan soon. I have tried payment on SpeedCredit, Toothfairy, NDR and Marshall Hoares websites and each of them says the loan does not exist.

This must be a widespread issue.

 

 

The cynical side of me says that NDR will add on lots of bogus charges to peoples accounts eventhough people had no Website or Bank Account to Repay to. In fact I would'nt be surprised if this was all done intentionally for NDR to make money out of people.

I myself have no intention of paying NDR anything until they provide me with proof that that they now legally own the debt and also proof that the loan was payed to me in the 1st place.

 

I don't expect that they will be able to provide this to be honest.

 

Hello! I just thought you would like to know that tooth fairy now recognise my loan when I click pay now, I didn't contact them or anything just thought I'd give it one last try and it worked! Hope everything works out for you too!

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Hi smith. You said you had a speedcredit loan, but it shows on toothfairys site? Please don't pay it. Instead get a full complaint into the OFT, as they are meant to be separate companies. If what i have said in this post is right, then they are blatantly breaking the terms of their licence 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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I found the following article on the Guardian website

www.guardian.co.uk/money/2013/mar/19/payday-lender-shut-identity-fraud"]http://www.guardian.co.uk/money/2013/mar/19/payday-lender-shut-identity-fraud

 

It states that The removal of MCO's licence means it is no longer allowed to recover outstanding debts itself, but callers to its helpline are told that it has passed on its outstanding loans to a company called Webloans Processing Limited, which is using Northern Debt Recovery to collect payments from borrowers.

 

I would'nt pay the loan off on Toothfairys website cause theres no explicit proof that they own the debt and they could shift it on to their debt collectors NDR later and allow them to hassle people to pay off even more. I personally won't be paying the debt until someone comes forward with proof that they now own the debt.

 

The interesting thing here is that MCO are no longer allowed to collect outstanding debt. Therefore if the debt is showing up on Toothfairys website then MCO will have to prove that they have transferred the debt to Toothfairy or vice versa. If they can't prove this then this proves what we all know already, that Toothfairy and MCO are all the one company.

 

Also when you logon to Toothfairys "Pay now" option on their website, there is two logos on the website. One says Toothfairy and the other says SpeedCredit.

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So we have confirmation. They are both the same company. The oft really needs to know this.

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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So we have confirmation. They are both the same company. The oft really needs to know this.

 

Hello! I didn't read your message until after I paid off the loan with tooth fairy, but after paying it I received an email from NDR saying thankyou for completely paying off the loan so I'm pretty sure it's all sorted!

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Well I have just checked on the Toothfairy websites "pay now" link for the loan I presently have with SpeedCredit and Toothfairy have already added an extra £106 to it :-)

 

This is despite me not being told anything about the debt being transferred to them or SpeedCredit being closed.

 

Just a quick question, whats the best way to report these kind of matters to the OFT, is it a case of just following the website links on their website? Perhaps it might be a good idea to put a sticky on here with

instructions for people. I also have a few more complaints relating to other companies that I might include also.

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TF cannot add anything on to it. As i said, they are the same company operating under a different name, and still seem to be continuing their unlawful practices of adding bogus charges to the balance. I wouldnt expect anything else from Mr Larholt though.

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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