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    • Hi BankFodder, Thanks for the reply.  I will take your advice and read through more thoroughly. To answer your question, the value of the laptop is £255.  When filling in the online form to prepare the shipment it asked what the contents of the parcel was and the value and I specified "laptop" and "£255". Thanks.
    • 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.
    • Regular savings accounts are accounts designed for savers who put money aside every month and reward them with a generous interest rate.View the full article
    • 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
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Marlin got Nram debt, now want medical and benefits info?


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Hello,

 

For the past few years I have been repaying a small unsecured loan to Northern Rock,

with a token gesture payment of varying amounts owing to being in receipt of Employment Support Allowance

as I am suffering from multiple health problems.

 

As you're probably aware N Rock have passed several of their debts over to a company called Marlin Financial Services,

mine included.

 

While Marlin have agreed that I may continue to pay the same rate per month that I was paying N Rock,

they have requested that I produce medical evidence to support my claim that I'm actually unwell.

 

I do have written proof but I don't see why I should send it to them,

they aren't after all in the medical or legal profession.

 

My question therefore is would I be within my rights to deny their request for medical evidence?

 

Many thanks for reading.

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Yes!!! They cannot request anything like that... If all you can pay is that, then thats all you can pay at the moment

Tell them where to go.

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Yes!!! They cannot request anything like that... If all you can pay is that, then thats all you can pay at the moment

Tell them where to go.

 

Thank you, That's what I thought, but I wasn't certain.

 

Actually I've just re-read the letter from Marlin.

 

They've said that in order to assess my affordability to pay a minimal amount

they require proof of my benefit AND medical proof.

 

Northern Rock already have/had this, s

o I'll stick to my guns and refuse to offer further evidence.

 

I just hope they don't issue me with a statutory demand if they think I'm being obstructive.

Thank you for your reply fkofilee.

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Youve been making payments right? (Rhetorical question :))

Well even if they were to try any legal action the judge would beable to see what you are paying.

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send them a flippin CCA request the cheecky buggers.

 

whats the debt all about

 

how old

 

what is it etc etc.

 

does it show on your credit files?

 

see below.

 

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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Youve been making payments right? (Rhetorical question :))

Well even if they were to try any legal action the judge would beable to see what you are paying.

 

Yes I have been paying, albeit less than they would like.

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send them a flippin CCA request the cheecky buggers.

 

whats the debt all about

 

how old

 

what is it etc etc.

 

does it show on your credit files?

 

see below.

 

dx

 

Thanks for the suggestion dx,

but I don't think that would work,

I've already acknowledged the debt when N Rock were in possession of it.

 

Well ...

.. I've just written to Marlin and apart from other things I've told them that my ill health is between me

and my health professionals, and not for the prying eyes of debt company employees.

 

So I won't be issuing them with any medical evidence ....

. not now

..... not ever.

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What is the debt made up of , is there any unlawful charges or any ppi. That's why DX is asking what sort of debt is it.

 

Sorry, my mistake.

I took an unsecured loan of £3,000 out with Northern Rock in Feb 2004, for home improvements. I now owe just under £1,400.

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£3k from 2004!!

 

and you've only payed half off...cash cowed!!

 

stop paying and get an sar off to NRAM.

 

and a CCA request to marlins

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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£3k from 2004!!

 

and you've only payed half off...cash cowed!!

For a large part of this period I've either been in receipt of JSA or ESA, so consequently most of the monthly payments have only been token gestures of between £1 & £4, hardly making them wealthy.

 

stop paying and get an sar off to NRAM.

 

To what end? I don't understand how this would be of benefit to me?

 

and a CCA request to marlins

 

Can I do that when I've already acknowledged the debt?

 

 

Thanks for your reply.

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CCA request can be useful.

 

SAR… given the limited value and the possibility of a few charges to the account to reclaim it could be a tenner well spent.

 

Do you have statements for the entirety of the term to date?

Yes, I think so ....

 

 

I could try a CCA request and see what happens. I did request one a few years back when N Rock temporarily passed my debt on to Eversheds ( what a fiasco that turned out to be), and they did produce it.

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I'd be inclined to CCA it again and reconcile the prescribed terms with your payments (and current debit balance)

 

SAR to original creditor if you have any statements missing, even a handful of charges from 5 years ago could knock 10% off the balance now.

 

I appreciate £11.00 for the two is a lot of money if you're on a tight budget but it will hopefully prove fruitful.

 

If you are able to identify any/all charges it would seem sensible to start the process of demanding their return + interest.

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