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    • Yeeeeees! Well done on your victory!  👏
    • 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.
    • Good morning,    I just wanted to update you on the situation.    I have visits piling up with my current employment and they need doing before I finish at the end of this month.  I am moving to Wiltshire in 3 weeks for a new job helping care homes with their Dementia patients. I tried to work it out and at a guess I will be doing about 20-25,000 miles a year. 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
    • It seems the solicitor has got your case listed for this “appeal” but not for the Stat Dec(SD). You need to ensure you can perform your SD on the day. If you are able to make your SD in court, the situation you are in now is more straightforward than if you made your SD via a solicitor. You have been convicted of two offences (and two were dropped) via proceedings of which you were not aware. The way to remedy that is to perform an SD. No appeal is necessary (nor is it available via the magistrates’ court). If you are able to make your SD this is how I see it panning out: You will make your SD to the court. The court must allow you to make it as it will have been made within 21 days of you discovering your convictions. You will then be asked to enter pleas to the four charges again. At this point you should plead not guilty to all four but make the court aware that you will plead guilty to the speeding charges on the condition that the FtP charges are dropped. The prosecutor will be asked whether or not this is agreed. In my opinion the overwhelming likelihood is that it will be. If it is you will be sentenced for the two speeding offences under the normal guidelines. In the unlikely event it is not accepted,  the speeding charges will be withdrawn (they have no evidence you were driving). You have no viable defence to the FtP charges and so should plead guilty. This will mean 12 points and a “totting up” ban (as you have already suffered). You can present an “Exceptional Hardship” argument to try to avoid this (explained below).   Because of this, I don’t see any need to make an argument to ask to have any ban suspended (pending an appeal to the Crown Court) unless and until you are banned again. The only reason I can think the solicitor suggested this is to secure a (Magistrates')  court date. I was surprised when you said you had an appointment so quickly; a date for an SD usually takes longer than that. However, if you can use it to your advantage, all well and good. I can’t comment on the argument that the two speeding offences were committed “on the same occasion” as I don’t have the details. That phrase is not defined anywhere and is a matter for the court to decide. It’s an interesting thought (and only that) that such an argument could equally be made for the two FtP offences. If the requests for driver’s details arrived at your old address at the same time, with the same deadline for reply, it could be argued that you failed to respond to hem both “on the same occasion” (i.e when the 28 days to respond expired) and so should only receive penalty points for one. Hopefully you won’t need to go there. I think you have information about avoiding a “totting up” ban. But here’s the magistrates’ latest guidance on "Exceptional Hardship" (EH) which they refer to: When considering whether there are grounds to reduce or avoid a totting up disqualification the court should have regard to the following: It is for the offender to prove to the civil standard of proof that such grounds exist. Other than very exceptionally, this will require evidence from the offender, and where such evidence is given, it must be sworn. Where it is asserted that hardship would be caused, the court must be satisfied that it is not merely inconvenience, or hardship, but exceptional hardship for which the court must have evidence; Almost every disqualification entails hardship for the person disqualified and their immediate family. This is part of the deterrent objective of the provisions combined with the preventative effect of the order not to drive. If a motorist continues to offend after becoming aware of the risk to their licence of further penalty points, the court can take this circumstance into account. Courts should be cautious before accepting assertions of exceptional hardship without evidence that alternatives (including alternative means of transport) for avoiding exceptional hardship are not viable; Loss of employment will be an inevitable consequence of a driving ban for many people. Evidence that loss of employment would follow from disqualification is not in itself sufficient to demonstrate exceptional hardship; whether or not it does will depend on the circumstances of the offender and the consequences of that loss of employment on the offender and/or others. I must say, I still do not understand what the solicitor means by “As a safeguard we have lodged the appeal and applied to suspend your ban pending appeal due to the time limit for being able to automatically appeal without getting leave of the Judge.” When they speak of “leave of the judge” I assume they mean they have lodged an appeal with the Crown Court. I don’t know what for or why they would do this. It seems to follow on from their explanation of the “totting up” ban. If so, I’m surprised that the Crown Court has accepted an appeal against something that has not yet happened. But as I said, i is no clear to me. Only you can decide whether to employ your solicitor to represent you in court. If it was me I would not because there is nothing he can say that you cannot say yourself. However, I am fairly knowledgeable of the process and confident I can deal with it. That said, I do have a feeling that the solicitor is somewhat “over egging the pudding” by introducing such things as appeals to the Crown Court which, in all honesty, you can deal with if they are required. I can only say that the process you will attempt to employ is by no means unusual and all court users will be familiar with it. I can also say that I have only ever heard of one instance where it was refused. In summary, it is my view that it is very unlikely that your offer to do the deal will be refused. If it is accepted, you may be able to persuade he court that the two speeding offences occurred "on the same occasion" and so should only receive one lot of points. Let me know the details (timings, places, etc) and I'll give you my opinion. Just in case your offer is refused, you should have your EH argument ready. Whether it's worth paying what will amount to many hundreds of pounds to pay someone to see this through is your call.  Let me know if I can help further.    
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      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.

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Lowell /BW Court Claim old vanqius card debt Help Please


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Give the court time to catch up BM..attend the hearing and make the above points your first priority...just because they have paid the hearing fee does not mean they have complied with the directions.

 

Andy

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I would advise you attend or the claimant will attain judgment in your absence.

 

Andy

We could do with some help from you.

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  • 2 weeks later...

Time for an update.

 

I telephoned the court yesterday to find that the case has now been adjourned until 11th of May 2015.

 

We finally received the updated Particulars of Claim which ended up at a house 2 streets away thanks to a postie reading the wrong address.

 

I am still concerned that despite the Judges order on 27th of February stating the claim will automatically be struck out

if the new particulars of claim and notice of assignment are not received by 4pm on 13th of March that this case is being allowed to continue.

 

boyfriend received this lot in the post from the court today.

 

I have scanned it all into my computer,

blanked out anything that will identify boyfriend or claim details

and added it all to a PDF file which I have attached.

Edited by dx100uk
45Mb externally hosted PDF reduced to .5Mb and attached properly - dx
:cool::cool: Blondmusic :cool::cool:
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urm..could be difficult

 

 

so its a vanquis card debt that was signed online.

CCA looks ok to me sadly

what about the T&C's were there any more?

 

 

looks like theres plenty of penalty fees and ROP to reclaim

to use in mediation

 

 

lets see if andy has any ideas.

 

 

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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you've a wee bit of time for andy to advise

 

 

for the minute

it wont hurt to get the PENALTY charges

and the ROP [PPI] spreadsheets done BM

 

 

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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Do you need to amend your defence...? What they have disclosed ....how does this impact on your initial defence?

 

Regards

 

Andy

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

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We used the embarrassed defense until they disclosed the documents they relied on. Now the documents have arrived (see post 79) I don't know whether we need to amend the defense, contact BW Legal and make a payment arrangement or do nothing.

:cool::cool: Blondmusic :cool::cool:
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All depends on what they have disclosed...are you happy with them ....all valid and legal...?

We could do with some help from you.

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Look let Andy see what was sent via a method he will ask no doubt, if they get something right then a surprise in the midst!

 

See post #79 Mike already uploaded....BM are you content with their witness statement.....nothing to challenge?

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

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here

 

 

+£700 in penalty charges alone if we run the int till claimdate

 

 

and +£300 PPI

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

Andyorch - No idea if the documents are valid and legal. I have never done anything like this before. Looking at the paperwork they didn't send the updated particulars of claim and notice of assignment until the 13th of March (that is the date on the letter and sent 2nd class post) when the Judge clearly ordered them to serve these items by 4pm on the 13th of March 2015 or the case would be automatically struck out, we had no chance of receiving them within the timescale as they didn't post them till the 13th of March. Also the Witness statement and evidence was dated 7th of April only 4 working days (this was sent 1st class post) before the hearing leaving us at a disadvantage as we did not receive them until the 13th of April which was the date of the hearing.

 

No idea what to challenge on the witness statement. We are unable to prove that the balance was paid off as my boyfriend changed bank accounts when his ex-wife left in late 2009 and it would now be too late to try and get statements etc.

 

DX - That would wipe out what they are claiming and they would owe my Boyfriend money!! Do I just put in a counter claim with those spreadsheets as a defense?

Edited by Blondmusic
Forgot to read documents
:cool::cool: Blondmusic :cool::cool:
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no its not too late

you should have/get a SAR off pronto.

 

as for the charges/ROP

that 'might' be useful under mediation

 

I'm not sure andy or the legal crew need to answer that one.

 

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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why do you need an sar to VQ?

 

 

surely one to his old bank wold prove this

that's what I replied too

but you've now changed post 92

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

Can anyone tell me what we need to do next?

 

 

The hearing is in 2 weeks (boyfriend going to ask for a day off in order to attend) and I am starting to panic a bit.

 

 

Do we put in a counter claim for the Charges and PPI charged at Vanquis's rate that DX put in post 91?

 

 

Do we change the defence?

 

 

If so what to change it to.

 

 

I have no idea what I am doing and I really need some help.

:cool::cool: Blondmusic :cool::cool:
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Well they appear to have complied and disclosed everything to back up their claim...that there is a debt outstanding...everything that you put them to strict proof within your defence.

Still unsure if the amount claimed is correct or a true reflection of your indebtedness to the claimant ?

 

I cant see any point in submitting an amended defence...unless you know reason if there is still points that can be argued ?

 

Given the above it may be prudent to contact the claimant and try to agree settlement...possibly by Tomlin Order to avoid a CCJ ?

 

Regards

 

Andy

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

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Ok. I will get in touch with them see if they will settle out of court.

 

 

Yes could try with a Tomlin Order.

 

 

I will try to get them to stop adding interest.

 

 

Can we reclaim the PPI and Charges to reduce the debt down?

 

 

I have done an Excel document with the PPI and Charges they added before Vanquis closed the account.

 

 

With the 8% interest added on it comes to £366 which I would like them to take off the debt

:cool::cool: Blondmusic :cool::cool:
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I have drafted an email for BW Legal. Does this look ok?

 

Dear Sir/Madam,

 

 

I am contacting you on behalf of XXXXXX following a County Court Claim made against him by yourselves on behalf of your client Lowell Portfolio.

 

 

XXXXXX has received all the documents for the claim and is now in a position to offer a repayment plan without further involvement from the Court. In effect XXXXXX would like you to remove the claim from the County Courts and accept a payment plan in order to settle the debt.

 

 

 

XXXXXX would like Lowell to stop adding interest to the debt while it is being repaid. He would like Lowell to remove the £366.90 (£249.66 plus 8% interest) that was added to the account in PPI payments and Charges by the original lender prior to the account being closed and sold.

 

 

Yours sincerely,

:cool::cool: Blondmusic :cool::cool:
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