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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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      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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My next move...


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Hi everyone,

 

I have a few old debts and I'm now at the stage where I have them pretty much under control

and I am thinking what my next move should be to try and rid myself of them for good.

 

To bring you up to speed

they are held with DCA's (Lowell is one of them) and

I have been paying nominal amounts each month to them for about a year now,

 

I was thinking about writing to them all offering full and final settlements of 10% of each

(I'm almost in a position where I could afford this) and seeing how they respond.

 

There is one that recently came out of the woodwork for an old Barclaycard

that I haven't been making payments to but I was going to try the same tactic regardless.

 

However,

reading this site for advice on the full and final offer

I saw people recommending to write to DCAs under the CCA 1974 to have sight of the agreement to see if it is enforceable.

 

This isn't something I knew you could do and

since these debts are all with DCAs and

not the original creditor

 

I was wondering how likely it would be that I may be able to get the debts written off on this basis

and if you all could offer me any advice on this process,

or on the full and final process.

 

Thanks in advance.

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are these on your CRA file

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,

 

I'm assuming you mean on my credit report? like from experian? (sorry if I'm not up to date with the terms) To be honest I haven't asked for a copy of my credit report for a number of years, I would assume they are, but considering the saying about assumptions I'm thinking you're going to tell me there is a really important reason I should check?

 

Thanks for replying.

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it helps in getting the whole picture

 

typically, if a debt does not show

esp if you have been [blindly] paying a debt for years to a dca

 

there may well be a good chance of cash cowing.

 

noddle is free see below

 

just make SURE all you old addresses are showing as linked

 

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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Depending on the date the agreement was taken out a cca request can be a good idea. It is unlikely they will write off the debt but it could be rendered unenforceable. This means they can not enforce in court but it does not mean you sit back and do nothing. Just because it is unenforceable doesn't mean the creditors won't try and get a judgement by default. I have found the first year the hardest but now most accounts are sleeping nicely

Any opinion I give is from personal experience .

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Depending on the date the agreement was taken out a cca request can be a good idea. It is unlikely they will write off the debt but it could be rendered unenforceable. This means they can not enforce in court but it does not mean you sit back and do nothing. Just because it is unenforceable doesn't mean the creditors won't try and get a judgement by default. I have found the first year the hardest but now most accounts are sleeping nicely

 

Ah, I see.

It might not be what I was looking to do then.

I'd assume if it was unenforceable though it would give you more power in negotiation for a full and final settlement?

 

They are varying dates,

the Barclaycard one for example I've probably had since about 2005?

One of the lowell ones is a loan that I had in 2009.

 

I don't really want them to remain for long with no update on the credit file,

I'm beginning to get myself back on track debt wise and will be looking to try and get a mortgage in the next two or three years.

 

So while there may be a bad "history" on my file I wanted it to be just that, history,

with nothing in arrears when I try to get my own place.

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it helps in getting the whole picture

 

typically, if a debt does not show

esp if you have been [blindly] paying a debt for years to a dca

 

there may well be a good chance of cash cowing.

 

noddle is free see below

 

just make SURE all you old addresses are showing as linked

 

dx

 

Thank you for the noddle link. It's fantastic. The loan I have been repaying with lowell isn't on it, any advice?

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the key to each debt is the default date from the cra file

 

if a debt does not show

then thus its already been defaulted for more than 6yrs

so has been removed

never to return!!

 

so off you go get that file.

 

once you have that

give us a list

for each debt:

 

when was it taken out

what was the type of credit

who was the original creditor

who it is with now and what you pay

is it on your CRA file

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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Thank you for the noddle link. It's fantastic. The loan I have been repaying with lowell isn't on it, any advice?

 

ok dear beginning to smell a cash cow here

 

get a CCA request off to them

don't sign the letter

use a blank £1 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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Thanks dx. That's been really helpful.

 

Could I ask another noddle related question, one of my accounts is showing as "satisfied" with the balance still outstanding. It's on the open accounts list and was last updated earlier this month, is it more likely that the creditor has written this off or assigned it to another DCA?

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is it still shown under the OC's name

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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It's on the "closed accounts" section under the original creditors name where it says it's satisfied

 

but if you drill down into the detail it shows it as being assigned.

 

On the "open accounts" section its under the DCAs name showing as default up to April 2014

but it shows as satisfied as it appears on the list on lenders.

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ok so its been sold

look at the default date on the summery line

 

it should be the same on the closed/open entries

 

what is that date?

 

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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Oh, its the same debt,

from the original creditor on the closed accounts section to the DCA on the open accounts section.

 

It's just confusing me because under the DCAs name on the open account section it shows as satisfied.

 

I'm thinking the two possibilities are

1) They have written it off.

2) The DCA has sold it to another DCA, even though it doesn't show as debt assigned.

 

It's actually an amount I dispute I owe in the first place,

 

HP on a car which I voluntarily terminated at the halfway point of the contract and handed the car back.

 

They say I owe the balance, I say I was entitled to hand it back at the midway point in the agreement, as the contract states.

The original creditor defaulted me at the VT date, and a few months later passed it to a DCA,

I've basically ignored the DCA and tried to only deal with the original creditor,

I'm wondering if they've finally agreed I'm right. As they should ;-)

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I suppose I should wait and see what it says next month. I think I know why the loan debt isn't showing on the report, it was a Welcome Loan that has been passed to Lowell. I saw from another thread that you posted in that the Welcome debts have been removed from credit reports pending the outcome of an investigation?

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start a thread in the WF forum

get an sar off to welcome

bet theres loads to reclaim

what is the defaulted date

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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Share on other sites

Oh, its the same debt,

from the original creditor on the closed accounts section to the DCA on the open accounts section.

 

It's just confusing me because under the DCAs name on the open account section it shows as satisfied.

 

I'm thinking the two possibilities are

1) They have written it off.

2) The DCA has sold it to another DCA, even though it doesn't show as debt assigned.

 

It's actually an amount I dispute I owe in the first place,

 

HP on a car which I voluntarily terminated at the halfway point of the contract and handed the car back.

 

They say I owe the balance, I say I was entitled to hand it back at the midway point in the agreement, as the contract states.

The original creditor defaulted me at the VT date, and a few months later passed it to a DCA,

I've basically ignored the DCA and tried to only deal with the original creditor,

I'm wondering if they've finally agreed I'm right. As they should ;-)

tell us more about this one, who was the oc?,do you have a copy of the hp agreement?who is chasing you for this?

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 

 

 

Any help I am able to give is from my own experience only. Should you have any doubt you should contact a qualified professional.

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The HP was with Santander.

 

They passed it to a company called Bluestone Credit Management who started writing to me about a car I never had.

 

I'm not too fussed about that one as I still have the contract and it clearly states I was within my rights to do this.

 

I sent a letter terminating the agreement with the keys and V5 document by recorded delivery

and they sent someone round to pick it up a couple of weeks later.

So I think I'm in a pretty strong position on that one.

 

dx advised me to start a thread about the Welcome Finance loan on the welcome thread,

there's more details about that one there under the title,

 

"Welcome-Finance-Loan-Lowell-CRAs" if you're interested and can offer some advice.

 

Sorry it won't let me post the link.

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The HP was with Santander. They passed it to a company called Bluestone Credit Management who started writing to me about a car I never had. I'm not too fussed about that one as I still have the contract and it clearly states I was within my rights to do this. I sent a letter terminating the agreement with the keys and V5 document by recorded delivery and they sent someone round to pick it up a couple of weeks later. So I think I'm in a pretty strong position on that one.

 

dx advised me to start a thread about the Welcome Finance loan on the welcome thread, there's more details about that one there under the title, "Welcome-Finance-Loan-Lowell-CRAs" if you're interested and can offer some advice.

 

Sorry it won't let me post the link.

 

 

Replied on WF thread.

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CCA Request off to Lowell today,

 

looking at some other outstanding ones I have to do the same possibly.

 

I'm going to hold off on the SAR to Welcome at the moment, dx,

 

I'm pretty sure there is no PPI or anything,

 

if Lowell hold an enforceable CCA I'll probably go down the SAR route then to see what "might" be there.

 

Thanks for the advice.

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pes i'd not do that

 

as soon as welcome sniff a dispute out comes the shredder.

 

get it done.

 

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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