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    • I'm trying to unravel this – but I get the impression that there was no contract between you and EVRi and that you didn't even choose them but instead you decided use some third party parcel broker in the USA which organised the delivery. Is this correct? EVRi came into the picture because they would then eventually selected for part of the journey although you had no knowledge that it might be them and I suppose it didn't really matter as long as the item got to you. Secondly, I really don't understand the journey which this item made. You bought the item from somebody in the USA. They then were meant to dispatch it to you to another address in the USA but for some reason or other it came to the UK and then into the hands of EVRi at which point it was lost or stolen. More confusion here because you now tell us that EVRi marked it as being out for delivery but it was never delivered. This suggests that it was going to be delivered to a UK address but earlier on you said that it was going to be delivered to USA address. I think you need to look at the story. Maybe show it to a friend of yours who is not particularly where the details and ask them if they can make head or tail of it and then come back to us with clarification so that we fully understand. Also, I think we'd like to know what the item is, how was it declared, what was the value which was declared. You said it was a valuable item because it was rare and collectable. I gather from this that it is non-fungible. We need to understand more about this. Was an insurance policy purchased to cover it during the delivery process. I understand that this rare and collectable item be valued at £200. Have evidence this value. This could become very important. Also you have given is no idea when this happened. We need to understand the full timescale. There are a number of possibilities here including the possibility of the contract action against EVRi on the basis of your third party rights or an action for negligence but we need to know far more and we need to get a story that makes sense.   Finally, I understand that you have sent the letter of claim. What did it say? How much time did you give them? What did you expect to happen as a result of the letter of claim? Whatever the answers to those questions might be, clearly you had no idea how to proceed after having sent such a letter. A letter of claim is meant to be a serious threat of some legal action if some condition which you have stipulated is not complied with. You set a deadline for compliance and at the end of that deadline you issue the court action. Clearly you are not in a position to do that so your letter of claim is a bluff and undermines your credibility and it will find its way into the EVRi wastepaper basket – if it's not there already.  
    • Good morning. I just wanted to check something please. The other side have moved slightly and negotiated a full and final offer price to end this matter. I am happy with this. However, I want to make sure this is the end of the matter and am emailing the following over to them prior to payment. Is this enough to ensure they can come back for nothing else? Thanks -------------------------------------------------- Dear Sir.   With regards your last email below.   I am pleased to agree to the full and final settlement figure given below.   Can you confirm this payment will be in full and final payment with no further claim to be brought against me in this matter?   Best regards
    • 100% sure I didn't receive it, that why my first post is with the £100 letter.
    • Engine, the technology business Starling Bank was built on, has been busy launching banks around the world, from Romania to Australia.View the full article
    • use this your WS and inc this as an exhibit off to bed now 3 nights been up till 4am aurora watching wont be on too early as it's lambing season out herding with the dog. your WS main thrust is the debt would now be SB'd , the DN was filed xxxyrs+months after it should have been thus unlawfully extending  SB date to infinity. highlight their admittance regarding errors at that time period in your 'redetermination'  paragraph. agreements unreadable. would have already been written off due to SLC age write off criteria has they not issued the claim to stop the SB clock when they had no paperwork to prove their case in the 1st place. never earned over threshold. dx       Erudio - stopped sending email deferments won at FOS DRN-4141462.pdf
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Full and Final Settlements, please help


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I have significantly reduced my debt over the last 12 months.

 

This time last year i owed just over £10K

 

now due to writing to my creditors about interest being added and PPI reclaims etc I now owe just over £4000.

 

I have claimed PPI on all where possible and again used this money to reduce the debt.

 

I have checked all debt is enforceable etc..

 

I am currently in a position to pay off the outstanding debt,

 

I have received some inheritence which I really want to use to finally be debt free.

 

I'm moving home and this would be an ideal time to pay everything off and start again.

 

After reading quite a few posts over the last 3 hours I don't feel any further forward because as you know F&F's are pretty much individual.

 

Breakdown of creditors and debt outstanding:

Lloyds overdraft - 188.10 currently with APEX

Black horse loan - 2879 currently with Marlin/ME IV

Lloyds Credit Card - 1200 currently with moorcroft

Orange - 51.06 currently with moorcroft

Orange - 39 currently with moorcroft

 

I have just under £3000.

 

All account have defaulted and I was paying via a DMP but decided to go it alone and disputed the biggest accounts.

 

The credit card was originally over £6k but due to complaining about excessive interest and charges applied this has been significantly reduced to £1200

same with the overdraft which was originally just over £600.

 

Where do I go from here?

 

I work full time and so does my husband but 50% of our wages go towards repaying debt we have never had a holiday and going out for meals is a very rare occasion.

 

What should I be offering these creditors and who should i be offering it to?

 

All debt is owned by the DCA and they are constantly offering discounts if I repaid as these accounts have been defaulted for sometime.

 

Any advice would be greatly appreciated x

Lloyds Credit card - £6K - PPI and interest refunded - £1200 remain F&F sent & accepted £360

Lloyds Overdraft - £620 - charges & interest refunded - £188.10 remain F&F sent & accepted £56

Black Horse loan - £10K - £2879 remain - F&F sent and rejected - CCA sent 3/6/13 deadline

Orange - £128 - £39 remain although CRA file states £11

Orange - £132 - £51.06 remain although CRA file states £45

 

Next stage F&F's to be sent - a step closer to being debt free

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urm..

 

if they are offering a discount on any debt

 

there is something WRONG.

 

you've done ppi you say

 

then what is it?

 

have you got the statements for these?

 

also do ALL your debts SHOW on your CRA file?

 

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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yes had all PPI from these.

Had all statements checked for charges and interest etc all claimed on hence the lowered amounts

and yes they all appear on my CRA file

except for the 2 orange accounts which don't show as moorcroft they remain as Orange

and the amounts differ which i've emailed them about a ton of times but they don't seem to get the gist of what

I'm trying to say and the

 

Lloyds credit card doesn't state moorcroft on the CRA file is states lloyds

same with the overdraft it doesn't state Apex it states Lloyds.

 

Moorcroft has offered quite substantial discounts in the past for the credit card.

 

Should I be making offeres to the companies who appear on my CRA file?

 

What happens if I pay the DCA and not the debt owner?

Lloyds Credit card - £6K - PPI and interest refunded - £1200 remain F&F sent & accepted £360

Lloyds Overdraft - £620 - charges & interest refunded - £188.10 remain F&F sent & accepted £56

Black Horse loan - £10K - £2879 remain - F&F sent and rejected - CCA sent 3/6/13 deadline

Orange - £128 - £39 remain although CRA file states £11

Orange - £132 - £51.06 remain although CRA file states £45

 

Next stage F&F's to be sent - a step closer to being debt free

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yo should be paying whomever is the OWNER of the debt on the CRA file

 

cut out ALL the DCA's

 

never ever PAY a dca

and never ever talk on the phone.

 

 

the discounts, were these made before you reclaimed?

but have not been offered since.

 

IF and a VERY big IF you F&F

 

you MUST MUST MUST ensure these things are a COMPULSORY condition:

 

the owner must mark your cra file SETTLED not PARTIAL SETTLEMENT.

ALL negative data [like late markers, defaults] are REMOVED.

NO third party are ever allowed to chase the balance

 

if they WON'T do those 3 things

you might as well BURN the money for all the good it will do you.

 

never ever F&F to a DCA.

 

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

thanks for the advice!

 

with regards to the Black horse debt

 

this has been sold to ME IV

 

they are recorded as the owner of the debt on my credit file,

 

I received a letter about a year ago from black horse stating ME IV were taking over the account. So should the F&F be sent to ME IV?

 

Yes all discounts were offered after the reclaims.

 

I think they just want rid of me know and I them.

Lloyds Credit card - £6K - PPI and interest refunded - £1200 remain F&F sent & accepted £360

Lloyds Overdraft - £620 - charges & interest refunded - £188.10 remain F&F sent & accepted £56

Black Horse loan - £10K - £2879 remain - F&F sent and rejected - CCA sent 3/6/13 deadline

Orange - £128 - £39 remain although CRA file states £11

Orange - £132 - £51.06 remain although CRA file states £45

 

Next stage F&F's to be sent - a step closer to being debt free

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if you have had discounts AFTER reclaiming

 

there is still something wrong with the debt

 

you need to check the reclaims & the CCA

 

why not start a new thread in the named banks forum

 

post up what you have done

 

then we'll dissect it.

 

do that with the BH loan too!

 

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... 

Link to post
Share on other sites

a little update,

 

I did F&F lloyds for the credit card and overdraft

I only offered 30% and this was accepted

so thats £56 for the overdraft and

£360 for the credit card saving me a total of £972.

 

I just want rid of them so I'm happy to pay that.

 

The lady at the bank rang me and told me a letter is in the post confirming their acceptence of the settlement figure and they agreed to the terms i set out.

 

The 1 company I have had trouble with is Marlin Financial Services/ME IV

- the only offer they are willing to accept is 95%, where do i go from here?

 

Marlin have never offered a discount and they are not budging.

Lloyds Credit card - £6K - PPI and interest refunded - £1200 remain F&F sent & accepted £360

Lloyds Overdraft - £620 - charges & interest refunded - £188.10 remain F&F sent & accepted £56

Black Horse loan - £10K - £2879 remain - F&F sent and rejected - CCA sent 3/6/13 deadline

Orange - £128 - £39 remain although CRA file states £11

Orange - £132 - £51.06 remain although CRA file states £45

 

Next stage F&F's to be sent - a step closer to being debt free

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what is the debt with marlins?

 

have you ever sar'd the OC?

 

sent marlins a cca?

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... 

Link to post
Share on other sites

what is the debt with marlins?

 

have you ever sar'd the OC?

 

sent marlins a cca?

It was a personal loan with black horse and marlin bought the debt about 18 months ago.

 

I haven't cca'd or sar'd them. I know the cca I'm looking for a copy of the original credit agreement which I can easily compare to my original copy but what will I be looking for in the sar?

 

I keep my own spreadsheet detailing

payments made and balance left which

matches the 6 monthly statement they send out so I know there's no extra charges being added.

Lloyds Credit card - £6K - PPI and interest refunded - £1200 remain F&F sent & accepted £360

Lloyds Overdraft - £620 - charges & interest refunded - £188.10 remain F&F sent & accepted £56

Black Horse loan - £10K - £2879 remain - F&F sent and rejected - CCA sent 3/6/13 deadline

Orange - £128 - £39 remain although CRA file states £11

Orange - £132 - £51.06 remain although CRA file states £45

 

Next stage F&F's to be sent - a step closer to being debt free

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see if they have the cca

 

don't ell them you have it though?

 

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... 

Link to post
Share on other sites

If they Don't have it, what then? Make them whistle? If they do have it I.'ll just have to suck it up and keep paying?

Lloyds Credit card - £6K - PPI and interest refunded - £1200 remain F&F sent & accepted £360

Lloyds Overdraft - £620 - charges & interest refunded - £188.10 remain F&F sent & accepted £56

Black Horse loan - £10K - £2879 remain - F&F sent and rejected - CCA sent 3/6/13 deadline

Orange - £128 - £39 remain although CRA file states £11

Orange - £132 - £51.06 remain although CRA file states £45

 

Next stage F&F's to be sent - a step closer to being debt free

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lets see.

 

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... 

Link to post
Share on other sites

OK CCA sent to marlin today recorded delivery with £1 postal order included. by my calculations they have till the 3rd of June. Hope to report back then!

Lloyds Credit card - £6K - PPI and interest refunded - £1200 remain F&F sent & accepted £360

Lloyds Overdraft - £620 - charges & interest refunded - £188.10 remain F&F sent & accepted £56

Black Horse loan - £10K - £2879 remain - F&F sent and rejected - CCA sent 3/6/13 deadline

Orange - £128 - £39 remain although CRA file states £11

Orange - £132 - £51.06 remain although CRA file states £45

 

Next stage F&F's to be sent - a step closer to being debt free

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  • 3 weeks later...

CCA request ignored, postal order cashed!Next stage - Failure to Comply letter just printed and ready to post out today. How long do I give them? Then what's my next move?

Lloyds Credit card - £6K - PPI and interest refunded - £1200 remain F&F sent & accepted £360

Lloyds Overdraft - £620 - charges & interest refunded - £188.10 remain F&F sent & accepted £56

Black Horse loan - £10K - £2879 remain - F&F sent and rejected - CCA sent 3/6/13 deadline

Orange - £128 - £39 remain although CRA file states £11

Orange - £132 - £51.06 remain although CRA file states £45

 

Next stage F&F's to be sent - a step closer to being debt free

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ball is in their court to find the cca

 

until they do

 

stop payments.

 

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... 

Link to post
Share on other sites

payments already stopped, its frustrating becuase I have managed to clear all my debt barr this one and they are infuriatingly slow at any and everything.....no doubt on purpose so consumers just give up and pay!I'm moving house in 3 weeks and don't want to give them my new address so wanted this sorted by then, if it's not should i update them?

Lloyds Credit card - £6K - PPI and interest refunded - £1200 remain F&F sent & accepted £360

Lloyds Overdraft - £620 - charges & interest refunded - £188.10 remain F&F sent & accepted £56

Black Horse loan - £10K - £2879 remain - F&F sent and rejected - CCA sent 3/6/13 deadline

Orange - £128 - £39 remain although CRA file states £11

Orange - £132 - £51.06 remain although CRA file states £45

 

Next stage F&F's to be sent - a step closer to being debt free

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are you not getting mail redirected then?

 

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... 

Link to post
Share on other sites

I suppose so, althoughI intend on informing all relevant conpanies of new address just didn't want those idiots knowing my new address

Lloyds Credit card - £6K - PPI and interest refunded - £1200 remain F&F sent & accepted £360

Lloyds Overdraft - £620 - charges & interest refunded - £188.10 remain F&F sent & accepted £56

Black Horse loan - £10K - £2879 remain - F&F sent and rejected - CCA sent 3/6/13 deadline

Orange - £128 - £39 remain although CRA file states £11

Orange - £132 - £51.06 remain although CRA file states £45

 

Next stage F&F's to be sent - a step closer to being debt free

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well sadly your cra file updates and voters will quickly inform them

 

if they bother to chase you that is.

 

 

ideally you don't need to give them an excuse to file a ccj to your old address

and I know they'll try hoping you wont defend

even if they have no cca

 

dx

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... 

Link to post
Share on other sites

I have attached the Credit agreement, I personally can see no wrong with it.Any advise would be greatly appreciated

Lloyds Credit card - £6K - PPI and interest refunded - £1200 remain F&F sent & accepted £360

Lloyds Overdraft - £620 - charges & interest refunded - £188.10 remain F&F sent & accepted £56

Black Horse loan - £10K - £2879 remain - F&F sent and rejected - CCA sent 3/6/13 deadline

Orange - £128 - £39 remain although CRA file states £11

Orange - £132 - £51.06 remain although CRA file states £45

 

Next stage F&F's to be sent - a step closer to being debt free

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too much pers info and barcodes showing

 

follow this:

 

set your default scan page size to A4 less than 300DPI [150 will do]

scan the required letters/agreements/sheets - as a picture[jpg] file

don't forget you can use a mobile phone or a digital camera too!!

'

BUT......

ENSURE: remove all pers info inc. barcodes etc using paint program

but leave all monetary figures and dates.

*********************************************************

{DO NOT USE A BIRO OR PEN OR USE SEE THRU TAPE OR LABELS]

try www.pdfescape.com TO BLANK STUFF,

*************************************************************

or

DO IT IN MSPAINT.EXE or any photo editing program

goto one of the many free online pdf converter websites ...

http://freejpgtopdf.com/

..

if you have multiple scans/pics

put them in a word doc FIRST and convert that to PDF

or use www.pdfmerge.com

 

convert existing PC files to PDF [office has an installable print to PDF option]

..

 

it would be better to upload a multipage pdf if

you have many images too rather than many single pdfs

.

or if you have PDF as an installed printer drive use that

or use word and save as pdf

try and logically name your file so people know what it is.

though dont use full bank names or CAG in the title

i'e Default notice dd-mm-yyyy TSB

.

open a new msg box here

hit go advanced below the msg box

hit manage attachments below that box

hit the add files button on the top right

hit select files, navigate to your file on your pc

hit upload files

.

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... 

Link to post
Share on other sites

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