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    • Unsure what would be classed as appeal I first contacted the applicant then IAS. I am not aware I could appeal again as Bank state I was informed that is news to me. I would have to look through the paper work, I apologise I forget so much due to my caring duties wish I had quality time to get so much done. Will try and look tomorrow, appreciate everyone's time and input.
    • 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
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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.

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I work at trigate business centre on the hagley road. you know it?

 

I wish I could have a chat with someone face to face of these issues.

 

I will call them then - there are so many debt charities I dont know which is best to call!

 

:)

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The two biggest from a telephone perspective are Stepchange and NDL.

The CAB and Birmingham Settlement are both excellent, too.

 

I've heard the name - probably seen the place. I work at Five Ways :)

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Good grief.

sequenci and joshmark

Working in the same city.

One a debt counselor the other has a few debt problems.

What a coincidence.

You could not write this stuff.

Could be minutes apart.

sequenci,i bet you get a lot of job satisfaction from your job.

People come in ,stressed out, anxious(that took some spelling.) and you help them out.

I bet you can see the stress and anxiety fading from their faces.

I feel a tune coming on.

 

 

Help you get rid of any stress.Chill. And pass the time away waiting for updates

And a happy ending.

Edited by tawnyowl
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Sequenci I know I am asking a lot but is there any way i can come and have a chat with you at your office?

 

or you could come to mine?

 

I feel like i know roughly what I need to do now but I want to write up a plan of action im 100% sure of

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btw tawny i think you should start a career in journalism or perhaps your own blog, definitley pull a few readers!

 

Had my bit of fame joshmark

A full page in the Telegraph

A journalist came up from London via Euston-no names mentioned.But a well known journalist.

And covered the story.

Went bust,bankrupt and lost my business.Then got repossessed. In the subprime days.

A blog,really i do not understand those.Or where to start.But i do like rambling on about things.

sequencis reply i am looking forward to.

Hoping.

He understands debt.He has been through it all.Heard it all i should think.

Edited by tawnyowl
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Just read your private message sequenci thank you i will reply very soon

 

things are going from bad to worse here

 

have fell out with my parents, they have kicked me out before, the streets may soon be my home... feel so lost

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Falling out is one thing.

You are not homeless yet

Make it up somehow.

I have been homeless twice it is not very nice.

Come on.21 with a job,a car.A holiday to look forward to.Things are not that bad.

Debt problems on their way to being solved.

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Through help from councils.

Meeting people and sleeping on their floors.

Outside at times.A joiners yard for a while.

Bed and breakfast,hostels,even moved to the North East to find work.

One of the hostels had bars on the windows,a old police station.

Had help from the CCCS, now http://www.stepchange.org/ i believe.

And help from here with debt from members of the CAG

My mother died,my father moved south and i left home with 4.50 and a old casette,Bridge over troubled water it was called.

Here is my favourite tune from back then.

 

 

I was 17.A long time ago.Decision was,North or South.

Appropriate,but that is another story.

I hope things work out for you with your parents.

And you receive the help you need.For debt and the fading addiction.

Take note,which i think you have of all the advice given today.

And of course i will be around,looking out for you.As others will.

Edited by tawnyowl
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I feel like killing myself, really badly, it seems like the greatest gift I could have...

 

but I wont

 

partly because I want to come through this, and i have a lot of talent and ability, if i ever make £10m i promise you tawnyowl i promise you i will set up the biggest most beautiful homeless shelter EVER! and we will become a team that takes over the world!!

 

you have my word

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Fair enough.

Keep calm let us sort the debts out first.

Then we will move on.

And build our empire.

A full lifetime ahead of you.

Enjoy-Life and your family and friends,your health the most precious gifts of all

I do not know what else i can say.

Edited by tawnyowl
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Hi Daniella

 

I do usually pay for my car insurance via monthly DD.

 

I cant afford to use my car at the moment but I am still paying my car insurance - i guess there is no way round this.

 

Why do you ask this question Daniella?

 

BTW FOLKS MY PLAN FOR TODAY:

 

Call Santander and cancel all CPA'S on the account - this may cancel my car insurance? Due to go out on the 8th? But i can call my car insurance ppl with new bank details before the 8th? This will also be an interesting call as I will be asking them to remove their own CPA on my account.

Write the 28 day letter to all of my debtors to freeze charges.

Contact national debt helpline and discuss help setting up a DMP.

 

Will they check my budget is as i said? It would take a million years to go through my bank account, i used to have 100 transactions a day to do with gambling.

 

Thanks for help!

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Forever, unfortunatley, I myself find it rather a grim place, how about yourself?

 

i will be pming you again soon :)

 

I really love Birmingham. I've been here about a decade. I love the vibrancy, the food, the culture and the music scene. I don't particularly care for the rubbish public transport system, mind you!

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Good luck joshmark

Tell us what Santander say.The CPA cancellation.I will be interested to hear what they say.Should be no problem.

Get the persons name and a a ref no for your call.You know what i am getting at.just for the future.

Sounds like you are getting sorted.

I should think they will accept your budget details.Without prying into your bank account.

 

Hi sequenci

Sorry once again i was posting as you posted.

Birmingham-passed through it about 8 times in 2011,New hall Street i think.I will check

There was a Irish Bar next to me.I will check what it was called.

OOps-seems i was on Digbeth high street.The bar may be called The Dubliner.

Where did i get New Hall Street from.Is it near.

Perhaps that is the area where i once had car troubles.

A cathedral was close by ,bells ringing,a clock tower.

I usually was there for about three hours each time.

I used to stand by the railings and watch the people cars and buses go by.

I seem to do strange things,some may feel.

One time i saw this chap coming down Digbeth High Street.

He had a look.A long white beard.Medals pinned to his jacket.

I asked him.Do you mind if i take a photo of you.

He seemed pleased.We had a chat for about 30 mins.A very interesting fellow.About 70

Been through a lot.

Looked a bit like if you remember it,Only fools and horses.Dels Uncle Albert,the navy fellow,but smarter.

Seemed a vibrant place.Busy people.

.A city,i like the feel of the place.

The short times i was there.

On my way south.

Many coincidences in this thread.

Someone who has some debt problems in Birmingham

A debt counselor who lives in Birmingham

Tawny that spent some time there,even if only for a short time.

Connections to the South,the north.

New Hall Street.

What does this mean.

Do not ask me,i have no idea.

 

Had a Landrover,started head gasget problems right outside the back of the railway station.

Really started flapping.At Christmas.

Another busy bar at my side.Will check that name out to.

Went in for a coke.

Took me 5 hours to struggle back to Blackpool.

Birmingham.The countries second city.

 

Just hoping for a happy ending for josh

A end to the problems he is going through

Edited by tawnyowl
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I used to have an appartment on New Hall Street, I REALLY miss it. Loved it so much - within 30 seconds walk I had about 30 restaurants and a similar number of pubs. The shops were just down the road, too.

 

I moved up from the South - as much as I love it down there I actually think my next move might be further up north. Really love the feel of Leeds.

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Hi joshmark,

 

The reason I asked is that most car insurance companies are quite reasonable about re-setting direct debit dates and I think you said in an earlier post you could pay it on the 30th. I think you should phone them just before the 8th and say you are changing banks, give them the new details, and change the repayment dates to the 30th. As you are missing a payment for about three weeks they will probably spread the cost of that three weeks over the other payments.

 

What the insurance company have is a direct debit mandate and this is different to a CPA, so you won't have any problem cancelling it with the bank. CPAs are chosen by payday loan companies because they, and sometimes the banks, will argue that you can't cancel them.

 

That is one thing on your list that should be relatively easy to sort out. :-)

 

DD

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BTW FOLKS MY PLAN FOR TODAY:

 

Call Santandericon and cancel all CPA'S on the account - this may cancel my car insurance?

 

A CPA is not the same as a DD Mandate.

 

You can cancel all the CPA's by specifically naming the beneficiaries. You do NOT need to cancel all DD's at the same time, if you don't want to.

 

Just be clear with the bank about what you need to cancel - ie specify the type of payment and the beneficiary (the PDL).

 

:-)

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Thank you Daniella that is a great idea!

 

Okay so im gonna call santander and cancel all of my CPA'S - because my car insurance is taken VIA dd - I dont have any CPA'S apart from the one's from payday loans company.

 

I will also inform them that i am emailing over a document for 28 days pause on my loan for me to take financial advice. This will hopefully stop santander taking their loan payment as a direct debit.

 

Then i call my car insurance and tell them im changing bank, i dont have the details yet but if they can change the DD date to 30.08.2013 instead of 08.08.2013 it will give me time to get the money and the account sorted.

 

please let me know if anyone sees an issue with this plan

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