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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.
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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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old [8yrs] MBNA CC debt - claim form received - help please novice here


Gavalar
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post 8 post 21

 

you need to find out why they sold a debt of £10k

 

and how it got to £10k

 

dx

 

Hi DX,

 

How would I find out why they sold the debt and also with regard to how it got to 10k it shows lots of 'finance charges' and late payment fees.

 

Sorry to sound SOS lost but I'm unsure what to do or how to tackle this??

 

Any help I would really appreciate.

 

Many thanks as usual Gav

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finance charge is prob the interest allowed

 

tot up late fees or any 'fixed sum' re-occurring fees

 

you have the sar you need to go through it with a fine toothed comb.

 

when does it say your last payment/use was?

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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  • 2 weeks later...

Hi DX - Thank you for responding - Im sorry It has taken me so long to come back on the site.

 

The day after I posted last I started having severe chest and back pains and got rushed into hospital

- I had Double Pneumonia and have been in hospital for almost 10 days as Im also an asthma sufferer which it affected as well.

 

ive been even more stressed about not being able to get back on here to have some advice where to go next

its really taking its toll on me and obviously my health at the moment

- I never thought stress would hit me as it is at the moment if these debt collection people could see what it does to people!

 

Anyways rant over...

 

I have gone through the report which MBNA sent me and looked at the statement in finer detail and this is a summary:

 

Account opened with a balance transfer on 15.05.06

Late fees x 27 at £12 = £324

 

Then from the 15.05.08 there are 'Finance charges' each month thereafter

there are 3 entries on the same date saying finance charges for amounts like £11.74, £45.89, £119.12 ....

Having totaled all 'Finance Charges' these come to £4642.14

 

The last payment shows on 17.06.2010

30.06.2010 It then states Charge off adjustment - £10,082.18

19.07.2010 Zero Curbl on sold acct -£10,082.18

 

I really dont know what I do next with this and what I do with DLC / Hillsden they sent me another 'Statement' whilst in hospital

- just what i wanted to open when i had my mail brought into me!

 

Can someone please please help me as I am so worried about this.

 

Thank you in advance for taking the time to read this and hopefully advise or help me.

 

Best wishes to you all Gavalar

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i'l pop in later

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

put those PENALTY charges in the FOSCISHEET spreadsheet using

MBNA's APR in cell D15

 

finance charges are INTEREST - purchase/cash/bal transfer [prob] cant reclaim

however

they can send you as many letters as they like

 

can we confirm please

this debt DOES NOT show on your cra file?

the last payment was 1st mar 2008

[so Sb'd march next year?]

pers i'd do nothing bar the spready

 

This fourth spreadsheet is useful in calculating a regulatory based compound interest award for PPI on a Revolving Credit Account. Or for a PENALTY charges Reclaim. Not all statements are required for this sheet because it will work out the compound interest on the PPI payments you do know about. It will not work out the additional 8% interest, to do that you will need spreadsheet three above AND all of your statements.

 

FosCISheet v101.xls

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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put those PENALTY charges in the FOSCISHEET spreadsheet using

MBNA's APR in cell D15

 

finance charges are INTEREST - purchase/cash/bal transfer [prob] cant reclaim

however

they can send you as many letters as they like

 

can we confirm please

this debt DOES NOT show on your cra file?

the last payment was 1st mar 2008

[so Sb'd march next year?]

pers i'd do nothing bar the spready

 

This fourth spreadsheet is useful in calculating a regulatory based compound interest award for PPI on a Revolving Credit Account. Or for a PENALTY charges Reclaim. Not all statements are required for this sheet because it will work out the compound interest on the PPI payments you do know about. It will not work out the additional 8% interest, to do that you will need spreadsheet three above AND all of your statements.

 

FosCISheet v101.xls

 

dx

Hi DX thank you so much for your reply, I'm typing this on my mobile phone unfortunately from Hospital after being rushed back in yesterday early hours.

Currently on a drip and on the road to recovery!

I will read all the info when I can see it on the PC when I'm home which I hope will be Wed / Thurs so I'm told.

Thank you for your ongoing help and advice.

 

Thank you Gav

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you get better!

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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  • 2 months later...

Hi all,

 

Ive been a while replying here sorry, Ive sat on this a bit which has again come back to haunt me!

 

Today I have received another letter from Aplins acting on behalf of Hillsden Securities stating that they have been instructed to issue legal proceedings against me unless Full payment is made immediatley.

 

If payment hasnt been received within 14 days a claim will be issued against me at Northampton Court with an application for the registration of a CCJ.

 

Ive read on forums that they have actually pushed this through with many people recently.

 

Please help what do I do?

 

I feel as if this is crippling my life, im besides myself with worry and this is really starting to show in my day to day life.

 

 

What do I do from here....Can anyone please help me?

 

Gav

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if its the std aplins letter

 

read it carefully

 

if doesn't actually say will.

 

its an if or maybe letter.

 

scan it up

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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3rd time for that letter then!!

 

court in 14 days

 

2 mts later

 

another that says court in 14 days

 

then more time

then court in 14days.

 

CRAP!!

 

i'm gonna jump

I will jump

 

oh no I wont.

 

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Hi,

 

Ive just been looking at my credit report files and decided to try another and opened a 30 day free Equifax account, everything is pretty much the same as everyother one ive seen however as I scrolled down there is an acoount in RED - CREDIT CARD FROM HILLSDEN SECURITIES - DEFAULTED! First time ive seen it on a credit file!

 

Can someone please help I really couldnt cope with going to Court, Im so out of my depth and drowning here.

 

Please any advice from a desperate and very depressed Gavalar :(

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Hi DX,

 

Here is the letter they sent me, through looking through the net, they have taken a lot of people to court recently and succeded to gain a CCJ against them. Im so worried now!

 

Gav[ATTACH=CONFIG]45433[/ATTACH]

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Hi DonkeyB,

 

I wrote to MBNA with a SAR and they sent all the details back within the corect time frame, DLC / Hillsden sent me the CCA (Albeit photocopys and a tickbox where I allegedly signed) Is there another letter I should have sent?

 

The dates are, Last Payment: 17.06.10 , Sold Account: 19.07.10

On Equifax Hillsden have go default date: 30.06.10

 

Any Advice.... Im climing the walls here... should have been in bed 2 hours ago ready to start my nightshift at 1am :(

 

I really appreciate the help that everyone has offered me so far.

 

Thank you , Gavalar

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as an aside those statements are pants

 

if you look closely

 

there are NO DATES just a full balance owing

 

and to complete the CCA return they also should send a statement of account

 

did you also get a copy of the agreement with your name and address correct at the time of the agreement

and a copy of the t&c's for the date you took it out.

 

write back with the failure to comply letter

 

Here’s where dx correctly told you to place the account in dispute.

 

You should do this asap.

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you got exactly the same letter in march

 

tells you something?

 

dx

  • Haha 1

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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  • 2 weeks later...

Hi DonkeyB / DX

 

I did send the letter placing the account in dispute, I posted the response letter up here on the 8th May where they summaried that the complaint was not being upheld. Have aI missed a letter I should have sent?

 

I need to respond with something before the end of week and im worried as im so busy and tied up with work - its taking over my life with stress with the thought they will push this to court which they have done with many recently.

 

What can I do - please help me, what do I do next

 

Please help, Gav :(

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there is no dead line.

 

ignore them

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

Hi DX,

 

Is there anything else I can do apart from wait for the court letter to arrive?

 

I have googled it and seen on here that Dlc/ Hillsden / Aplins push it through to court and are usually successful with CCJ's

 

Im scared to come home most days with the fear of the letter on the door step,

 

Is there any way I can attack before they issue this to me and I frantically have to put some case together which I know ill be unable to do.

 

Im so sorry about the long babbled post im scared so much and just want to try and tackle this its ruining my life at the moment thinking about it day and night :-x:-x:|

 

Gavalar

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you are going away and getting on with your life

 

no original creditor, let alone MBNA sell a £10k debt

without taking it to court

 

there is a VERY GOOD REASON

why they sold it

 

YOU are the one with all the info from the SAR returm.

 

go through it

and findout WHY it has been sold on.

 

its a toxic lemon debt.

 

if a big multi international company has sold it on

and its £10k+ in size

why did they not take you to court.....

 

try and work it out for yourself.

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Taken on board DX,

 

Just up to my eyes with worry! Sorry, but I do relly appreciate the guidance and it feels like support. This site is brilliant and the people are fantastic to give up your time to help and to respond.

 

Thank you so much.

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that's ok

 

please don't worry

 

your case is diff from most here

 

the debt is not showing cra wise

and there would be a real issue to prove any payment within 6yrs.

 

even if court papers were to arrive

it'll be a very easy case to buff them away i'm very sure.

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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