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    • Before you start this claim you need to have a lot more confidence in what you're doing which means that you need to understand the way forward in the principles involved more thoroughly. We will help you and you will probably get your money back but this is a self empowerment forum and so you have to do your bit as well. Please will you spend at least the next couple of days reading through the stories on this sub- forum. Try to understand them thoroughly. We have lots of stories very similar to yours but even those which are not similar, have principles in them which apply. In particular you need to read and understand the information in the pinned topics at the top of the sub- forum. I know that you have been reading around here for the past couple of hours but it needs a lot more. You aren't in a huge hurry. Wait a few days before sending a letter of claim and also that needs some amendment as well. Come back here when you've done your reading and then we will have a look at your letter of claim and help you to refine it Also, please tell us the value of the laptop. Was it properly declared as a laptop – and was the value properly declared
    • 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.
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    • 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.
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Arrow Global EGG debt paid through PayPlan DMP for years - court letter arrived - help


Paul1973
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Hi

 

The assortment of letters are still coming, most of which are worthless, however one concerns me, any advice please?

 

Its from Drydensfairfax lot again on behalf of Arrow Global which was originally an Egg loan

 

The letter starts of with - we have tried to contact you etc.

It then goes on to say unless payment is made by 9 Sept we hold instructions to issue legal proceedings against you to recover the full balance. If payment is not made, our intention is to obtain a CCJ and if necessary we will apply for the court to enforce the judgement by either warrant of execution or attachment of earnings.

 

Do you reckon this is hot air or they're getting serious?

 

Thanks in advance

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NOT one to ignore now.

 

Are you sure DF own this account or are they acting on behalf of a DCA.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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They are acting on behalf of Arrow Global, who bought the debt from Egg. I think it will be SB around Feb next year.

 

Do you think a CCA to Arrow would be the way forward?

 

They can't really send baliffs, its the parents house but the attachment of earnings is the worry. BTW its a loan rather than a CC if that makes a difference

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Hi

 

The assortment of letters are still coming, most of which are worthless, however one concerns me, any advice please?

 

Its from Drydensfairfax lot again on behalf of Arrow Global which was originally an Egg loan

 

The letter starts of with - we have tried to contact you etc.

It then goes on to say unless payment is made by 9 Sept we hold instructions to issue legal proceedings against you to recover the full balance. If payment is not made, our intention is to obtain a CCJ and if necessary we will apply for the court to enforce the judgement by either warrant of execution or attachment of earnings.

 

Do you reckon this is hot air or they're getting serious?

 

Thanks in advance

 

scan that letter up please

 

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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Having a few scanner issues, therefore I have retyped the body of the letter word for word.:

 

 

Date 2 September 2013

 

Our client: Arrow Global

Outstanding abount £14000

 

We have written to you previously indicating our intention to take legal action should the above debt not be paid. We

have reviewed your account and payment in full has not been received.

 

Unless payment is made by 9 September we hold instrucions to issue legal proceedings against you to recover the full balance outstanding.

 

If repayment is still not made, out intention is obtain a County Court Judgement and, if necessary, we may make an application to the court to enforce the judgment using one or moe of the following:

 

Warrant of Execution: a baliff would visit your home in order to remove goods to the value of the debt

 

Attachment of Earnings order: Your employer would be ordered by the court to deduct monies oustanding direct from your salary

 

Furthermore, if legal proceedings are issued there will be additional costs incurred for which you may ben held liable.

 

If you wish to discuss payment or the other options on this account, please contact our legal debt helpline on 0113 823 3956

 

Yours faithfully

drydensfairfax

 

(no actual signature)

 

 

 

I have never spoken to these, I 'think' it will be SB in Feb next year. To be honest I have be doing a Lord Lucan and its the parents house. Obviously I don't want to actually acknowledge where I live unless necessary, at the moment they only 'think' I live there.

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no always cca!

 

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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  • 4 weeks later...

Hi

 

I have not been on here for a few weeks, its been pretty quiet with the DCAs.

 

However I received a Claim Form from Northampton court.

 

Its for a 14k debt originally with Egg,

passed to Arrow Global and now being dealt with by Drydens Fairfax.

 

This loan was taken out around 2005,

I kept up payments until 2008 when they became unmanageable,

along with others and began to pay a reduced amount to them/other creditors via PayPlan.

 

I was made redundant a year later so could not keep up payments.

 

However when I did find work, I realised that I actually owed more than before I started the DMP despite paying over 4k over the first year.

 

Consequently since Nov 2009ish I have thought sod them and ignored them to be honest.

 

Any advice please?

 

Should I send letters, offer reduced payment?

 

I am very worried now

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moved to legal forum

posts moved from larger mass thread for history

 

lease type up the exact PoC removing any pers details paul

 

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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1. The claim is for the sum of £14,099.55 in respect of monies owing by the defendant on a credit agreement held by the defendant wih Egg account number xxxxxxxx upon which the defendant failed to maintain payments.

 

2. A default notice was served upon the defendant was served upon the defendant and has not been complied with.

 

3. By virtue of a sale agreement between Egg and the claimant, the claim vested in the claimant who has genuine commercial interest. The defendant has been notified of the assignment letter.

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Hi again

 

I have been reading through other threads, although its quite confusing for the layman with all the acronyms, would it be prudent to send a CPR letter to Drydens, acknowledge the claim online saying I wish to defend. However I am unsure as to what to say in defence.

 

If they can come up with the documents, can I still ask for time to pay, to be honest I cannot really afford more than £50 per month, £75 absolute tops. Would the court find this amount acceptable as it would take years to pay, but I simply do not have the full amount.

 

Edit:

Further reading suggests they do not have to respond to a CPR 31 request. Would a CCA be too late in this instance?

Edited by Paul1973
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no get it done today to the claimant

 

RDelivery

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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A judge will not order you to pay more than u can afford, you will probably be asked to fill out a I&E form outlining your expenditure and disposable income, if you can only afford £20 the judge shouldn't make u pay £30 if that makes sense. As it would cause you hardship. The creditor will kick and shout but theres sod all they can do.

 

As for your defence others will have to advise. Hope this take some weight off.

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Cheers DX

 

Would the one in this thread suffice? http://www.consumeractiongroup.co.uk/forum/showthread.php?195201-CPR-31.14-Request-Letter-Help-please

 

Can they ignore this request? Do I CCA them too and SAR Egg?

 

Sorry to go on but I don't want to get this wrong.

 

Cheers

 

I have just acknowledged this with the MCOL website, defending all of the claim. Shall I hold fire on completing the defense form?

Edited by Paul1973
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you can cpr yes

and cca and sar

but get them off today

 

esp the sar! recorded delivery

 

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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I have completed a CPR letter, does this look ok? Do I send to Arrow or Drydens? Also do I sign or print name?

 

Cheers

 

CPR 31.14 Request

 

On (3 October 2013) I received the Claim Form in this case issued by you out of the Northampton county court.

I confirm having returned my acknowledgement of service to the court in which I indicate my intention to contest all of your claim.

Please treat this letter as my request made under CPR 31.14 for the disclosure and the production of a verified and legible copy of [each of the following / the] document(s) mentioned in your Particulars of Claim:

1: the agreement. You will appreciate that in an ordinary case and by reason of the provisions of CPR PD 16 para 7.3, where a claim is based upon a written agreement, a copy of the contract or documents constituting the agreement should be attached to or served with the particulars of claim and the original(s) should be available at the hearing. Further, that any general conditions incorporated in the contract should also be attached.

2: the assignment*

3: the default notice*

4: statement of account to show any default charges applied to the account

You should ensure compliance with your CPR 31 duties and ensure that the document(s) I have requested are copied to and received by me within 7 days of receiving this letter. Your CPR 31 duties extend to making a reasonable and proportionate search for the originals of the documents I have requested, the better for you to be able to verify the document's authenticity and to provide me with a legible copy. Further, where I have requested a copy of a document, the original of which is now in the possession of another person, you will have a right to possession of that document if you have mentioned it in your case. You must take immediate steps to recover and preserve it for the purpose of this case.

Where I have mentioned a document and there is in your possession more than one version of that same document owing to a modification, obliteration or other marking or feature, each version will be a separate document and you must provide a copy of each version of it to me. Your obligations extend to making a reasonable and proportionate search for any version(s) to include an obligation to recover and preserve such version(s) which are now in the possession of a third party.

In accordance with CPR 31.15© I undertake to be responsible for your reasonable copying costs incurred in complying with this CPR 31.14 request.

 

If you require more time in which to comply with this request you must tell me in writing. You must tell me before the time for compliance with this request has expired. In telling me you require more time you must tell me what steps you have taken and propose to take in order to comply with this request and also state a date by when you will comply with this request. In addition your statement must be accompanied with a statement that you agree to an extension of the time for me to file my defence. Your extension of time must be not less than 14 days from the date when you say you will have complied with my request and you must state the new date for filing my defence.

 

If you are unable to comply with this request and believe that you will never be able to comply with this request you must tell me in writing.

 

Please note that if you should fail to comply with this request, fail to request more time or fail to agree to an extension of time for the filing of my defence, I will make an application to the court for an order that the proceedings be struck out or stayed for non-compliance and a summary costs order.

 

I do hope this will not be necessary and look forward to hearing from you.

 

Yours faithfully

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If you are referring to the 'Deed of Assignment it will not be provided as it is the contract between the debt seller and debt purchaser. A court could in certain circumstance order it to be produced it is a confidential commercial sensitive document.

 

Notice of assignment will be provided.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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