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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.
    • 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.
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Capquest/? claimform - LLoyds Credit card 'debt'


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i,

 

I am new to all this, think ive posted in the right place.

 

I have received a court claim from capquest yesterday and its dated 28/2/2014.

 

its a Lloyds credit agreement for the sum of £6188

I am really not sure about this debt.

 

..Ill start at the beginning: I split with my husband and left the marital home that was in april 2009.

we did bank with Lloyds and we had an over draft and a loan

but I thought that had been paid I really have no recollection of it.

 

I walked away from everything I had and started again.

 

I am on speaking terms with my husband (we are not divorced yet) and

yesterday when I dropped the children off he handed me the letter

it had gone to the marital home address.

 

I just went sick as I don't recall any agreement.

I asked if any other correspondence had been sent there for me and he said no.

I have not been at that address for 5 years now so I am totally clueless as what to do.

 

the particulars box on form has an agreement number and states its Lloyds and a date it was passed.

 

the acting solicitors are HL and the signature is typed.

 

really hoping for some help as it seems I have till next Friday if im right which is to register the claim

 

i cant think straight i don't want a ccj against me as i want to go on a mortgage with my new partner.

 

many thanks

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You have 5 days (to allow for service) and a further 14 days to acknowledge the court claim from the 28/2/14. So you have to do the acknowledgement by 18/3/14. It is best if you say that you will defend the claim in full, because you don't have the information you need to defend the claim at the moment.

 

You need to send a CPR 31.14 letter to HL Solicitors asking for copies of all documents referred to in the particulars of claim on the claim form. e.g Agreement, default notice. http://www.consumerwiki.co.uk/index.php/DCA:_Using_CPR_31.14_to_Your_Advantage

 

You also need to send a CCA letter to Capquest, with a £1 postal order being the statutory fee due. Letter link here.

 

Send both of these letters by recorded delivery, as you will need proof of sending and them receiving them.

 

You should also send a Data Protection Subject Access Request (SAR) to Lloyds for all of the information held on the account. In particular you should ask for copies of all statements of account, as well as copies of all other documents available and any data available. If you click on Subject Access Request, you will see the letter you need and don't forget to send Lloyds the £10 fee that would be due to them for dealing with the request.

 

There is time for HL/Capquest to supply the info requested, but you may not get the SAR info from Lloyds, as they can take up to 40 days to deal with these. If you did the acknowledgement on 18/3/14, you would have a further 14 days to submit your defence.

We could do with some help from you.

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Try not to worry too much at the moment, as you have some time to get the information you need. There will be questions about this debt, which you may not be able to answer at the moment.

 

It would help if you could type up the particulars of claim showing on the claim form, without revealing any personal info. You should not really quote any exact debt amounts, as debt companies do read posts on CAG.

 

Was this an overdraft & loan ? Or did you have an overdraft, which Lloyds converted into a loan ? When did you take any loan with Lloyds ? When did you last make any payment to Lloyds or any owner of this debt ? Have you ever written to anyone about this debt ? You say that you have never received anything in the last 5 years, but would Lloyds have known your up to date address ? Was the overdrawn account and loan in your sole name or were they joint with your ex ?

We could do with some help from you.

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Hi and welcome to CAG.

 

I am going to move this thread to the legal issues forum where you will get more help.

 

This is purely administrative and you need do nothing

If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

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That is done.

 

I am assuming this is from MCOL so you can acknowledge the claim online.

 

You have 33 days in total to file a defence.

5 days for delivery to you

14 days to acknowledge

14 days to file a defence.

 

Can you post up the Particulars of Claim but without names, account numbers but include the amount.

 

Please bear in mind that the weekends are quiet so you may not get a reply just yet.

If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

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I have also done a tidy up as you had 3 threads going. Please carry on posting here.

If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

Please help CAG. Order this ebook. Now available on Amazon. Please click HERE

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Your timeline is

 

Issue date - 28.02.2014 + 5 days for service = 05.03.2014 + 14 days to acknowledge = 19.03.2014 + 14 days to submit defence = 02.04.2014.

 

Have a read of the link below and provide any information you havent already :)

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?419198-You-have-received-a-Claim-What-you-need-to-do.(1-Viewing)-nbsp

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hi

 

 

thanks for the reply,

 

in the poc, it says:

monies due under regulated credit agreement number xxxxxx,

between Lloyds banking group and the defendant the benefit of which was assigned to the claimant on 28/2.

 

the agreement terminated upon the defendants failure to comply with the terms of the agreement.....

...then gives me a number I can call to make payments or queries which is to the claimant.

 

there was an overdraft but according to my ex-husband that is in his name.

 

I am sure it was a joint account (current account)

I have not seen or heard anything since I left the property 5 years ago.

the last time I would of used Lloyds bank would be 5 years ago

 

I walked away from the marital home and thought everything I had was upto date

I have never written to anyone as I am unaware,

this was a total shock for me when he handed me the letter on Friday just gone.

he says there has been nothing arrived at the address

 

I assumed my ex took over the account when I left and I just banked elsewhere from then on.

 

its very hard not to worry, I had a very difficult spilt and a lot of stress etc....

. so this has hit hard as its a big sum to me

 

thank you for replying and

 

when I go for a postal order do I have to sign it and does that go for Lloyds too?

 

 

 

thanks

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hi

regulated credit agreement number xxxxxx, between Lloyds banking group and the defendant the benefit of which was assigned to the claimant on 28/2.

the agreement terminated upon the defendants failure to comply with the terms of the agreement........then gives me a number I can call to make payments or queries which is to the claimant.

 

the last time I would of used Lloyds bank would be 5 years ago

 

I assumed my ex took over the account when I left and I just banked elsewhere from then on.

 

when I go for a postal order do I have to sign it and does that go for Lloyds too?

 

 

It mentions credit agreement which appears to relate to a loan. I think some of the banks did offer to convert overdrafts into loans, so this is a possibility. If there was a joint account, both would have had to sign this. Is there a possibility that your ex husband signed up for a loan in joint names, without you knowing about it ? If there is this possibility, perhaps your ex has had correspondence which they have not admitted to. Why CapQuest/HL are taking you to court, I don't quite understand.

 

Although the particulars of claim don't mention a default notice and only a credit agreement, I think in the CPR 31.14 letter to HL Solicitors you could ask for a copy of any default notice or termination notice, as they do say there was a failure to comply with the terms of the agreement.

 

In the CCA letter to Capquest, you can just send them a normal postal order for £1 made payable to them, which you sign.

 

It is up to you whether you send Lloyds a £10 postal order or cheque for the subject access request. Because of the extra cost which I think would be £1.25 on a £10 postal order, you may decide to send a cheque. Many people don't want to send a cheque to a debt chaser like Capquest because they would not want them to know their banking details, whereas Lloyds have sold the debt, so they are not interested and won't pass on such info.

We could do with some help from you.

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if it says regulated credit agreement

then this must be a card or a loan that was with Lloyds

 

poss go get your credit file?

 

see below.

 

make sure all your addresses show 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... 

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Overdrafts can also be referred to as regulated credit agreements...as this is an assigned debt lets face it CQ wont have a clue either....claimants particulars are not always reliable...

some state its a Credit Card when its a Personal Loan other state its an Overdraft when its a Personal loan etc etc

 

The clue is in the account number and then again that may have changed on assignment.

 

Regards

 

Andy

We could do with some help from you.

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hi

 

thanks for the reply

 

right, i have had a good route around and i have found a letter with the same agreement number,

it seems to be a loan,

 

there is no statement or other details of the agreement so i assuming it is a loan.

 

its saying back in 09 i agreed to pay x amount for so many months.

 

i know this sounds odd but i really cant remember this debt or the letter.

 

my ex-husband would not of signed for a loan.

it was a joint current account

there was an overdraft of x amount the ex is sorting that side of things ( its not the overdraft as the amounts are totally different)

 

I still dont know why i never paid any of the amounts or if i settled anything with them.

 

I am not sure what to do now

 

should i still defend the claim in full as i really need to know what the original amount was for and why no correspondance was sent.

 

I have tried to get a credit report but will need to call them as they cannot verify my details .

 

sorry not replied sooner only i have been on nights

 

many thanks for helping me

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you defend all regardless - else you'll get a CCj by default.

 

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

 

fee for CCA is £1 BLANK PO

 

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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case number is the claimform number

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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hi dx

 

 

thanks

sorry for sounding dim

 

but is it made payable to CQ and do you sign a PO,

so your saying to leave those both blank,

 

I not up to date with sending POs?.

 

what about signing the two letters? on the cpr31:14

 

am I just asking for the agreement as that is all that is listed in the Poc

 

or all what is listed in the letter cpr31:14

 

 

many thanks

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on the CCA you leave the letter unsigned and the PO blank.

 

as for the CRP leave unsigned

the poc mention agreement

assignment

and default I bet

pers

i'd leave it as is

as long as you have the current account 31:14 from our library

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 send the CPR and CCA immediately...you acknowledge the claim before 19 days expires.

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

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

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shall I put my new address or the address on the claim form (my ex still lives there) and he is happy to receive the mail. sorry to ask so many questions but I don't want to slip up anywhere

 

once I have available funds I will be donating your advice is unvaluable

 

many thanks

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The address on the claim form.

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

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

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