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    • I'm trying to unravel this – but I get the impression that there was no contract between you and EVRi and that you didn't even choose them but instead you decided use some third party parcel broker in the USA which organised the delivery. Is this correct? EVRi came into the picture because they would then eventually selected for part of the journey although you had no knowledge that it might be them and I suppose it didn't really matter as long as the item got to you. Secondly, I really don't understand the journey which this item made. You bought the item from somebody in the USA. They then were meant to dispatch it to you to another address in the USA but for some reason or other it came to the UK and then into the hands of EVRi at which point it was lost or stolen. More confusion here because you now tell us that EVRi marked it as being out for delivery but it was never delivered. This suggests that it was going to be delivered to a UK address but earlier on you said that it was going to be delivered to USA address. I think you need to look at the story. Maybe show it to a friend of yours who is not particularly where the details and ask them if they can make head or tail of it and then come back to us with clarification so that we fully understand. Also, I think we'd like to know what the item is, how was it declared, what was the value which was declared. You said it was a valuable item because it was rare and collectable. I gather from this that it is non-fungible. We need to understand more about this. Was an insurance policy purchased to cover it during the delivery process. I understand that this rare and collectable item be valued at £200. Have evidence this value. This could become very important. Also you have given is no idea when this happened. We need to understand the full timescale. There are a number of possibilities here including the possibility of the contract action against EVRi on the basis of your third party rights or an action for negligence but we need to know far more and we need to get a story that makes sense.   Finally, I understand that you have sent the letter of claim. What did it say? How much time did you give them? What did you expect to happen as a result of the letter of claim? Whatever the answers to those questions might be, clearly you had no idea how to proceed after having sent such a letter. A letter of claim is meant to be a serious threat of some legal action if some condition which you have stipulated is not complied with. You set a deadline for compliance and at the end of that deadline you issue the court action. Clearly you are not in a position to do that so your letter of claim is a bluff and undermines your credibility and it will find its way into the EVRi wastepaper basket – if it's not there already.  
    • Good morning. I just wanted to check something please. The other side have moved slightly and negotiated a full and final offer price to end this matter. I am happy with this. However, I want to make sure this is the end of the matter and am emailing the following over to them prior to payment. Is this enough to ensure they can come back for nothing else? Thanks -------------------------------------------------- Dear Sir.   With regards your last email below.   I am pleased to agree to the full and final settlement figure given below.   Can you confirm this payment will be in full and final payment with no further claim to be brought against me in this matter?   Best regards
    • 100% sure I didn't receive it, that why my first post is with the £100 letter.
    • Engine, the technology business Starling Bank was built on, has been busy launching banks around the world, from Romania to Australia.View the full article
    • use this your WS and inc this as an exhibit off to bed now 3 nights been up till 4am aurora watching wont be on too early as it's lambing season out herding with the dog. your WS main thrust is the debt would now be SB'd , the DN was filed xxxyrs+months after it should have been thus unlawfully extending  SB date to infinity. highlight their admittance regarding errors at that time period in your 'redetermination'  paragraph. agreements unreadable. would have already been written off due to SLC age write off criteria has they not issued the claim to stop the SB clock when they had no paperwork to prove their case in the 1st place. never earned over threshold. dx       Erudio - stopped sending email deferments won at FOS DRN-4141462.pdf
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    • We have finally managed to obtain the transcript of this case.

      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.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

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Ge home money lending - charges reclaiming


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Sorry DX, I don't understand:oops:

 

Thank-you The O R, I will go through it all with a fine tooth comb. Thank-you DX but what do you mean by post 23 refers? Sorry, I know I am slow but it is medical, That's how I ended up with this mess.:oops:

 

Desperate, are you sorted now with understanding what you can and cannot claim back ?

 

Unfortunately some posts were removed (irrelevant and duplicated) in order to keep the thread moving and tidy so the numbering sequence became muddled.

 

Just yell if you have any questions :)

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PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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Thank-you for your kind words Fd&o.

 

 

I think they have been charging me £40 each month because I haven't been able to meet the shortfall of the amount they require.

 

 

I feel so embarrassed that I am so stupid,

and that I don't know what's been going on all this time.

 

 

I am even a bimbo with the computer!!:oops:

 

 

I stumbled across this forum by mistake!

 

 

How lucky I was!:-D

 

Sorry that I havent replied to you. You are not stupid, things happen, and its not easy trying to fnd a way out. Many on this forum will tell you that. there is also a wealth of knowledge on this forum that is invaluable. keep your chin up. Things will come good xx

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  • 2 weeks later...

Hi FD&o thank-you for your kind words.

 

 

Hi citizen B, thank-you too.

 

 

Sorry I haven't been on here, lost my internet for a while.

No I am not sure what I can re-claim,

 

 

when I try to click on the link (admin lewis) just brings up the main forum list.

 

 

Very nice of neighbour to donate this computer to me but didn't come with idiot instructions!!

 

 

Just about find my way back to this forum.

 

 

I have downloaded the sheet and entered the missing payments and here it is.

 

 

(hopefully)

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Hi D&F,

 

Clicking on our CAG admin link won't help you as it refers to Admin at CAG !

 

You should be looking to include on your spreadsheet any admin fees that you were charged such as :-

 

Late Payment

Missed Payment

Bounced or Returned Payment

Visit Charges

 

Can you identify these from the data that you have.

 

:-)

We could do with some help from you

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those missing payments need to be put into a formal complaint to your bank?

if you never got the moneyback or off your mortgage?

 

 

where did they go?

 

 

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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Hi everyone!

 

 

I am so sincerely sorry for this late reply, but

 

 

everytime I leave here I have MAJOR problems coming back!

 

 

It's definately my fault I know,

 

 

but it takes me ages to log in and keep changing and re-setting my password!

 

 

Sorry:oops: Thank-you slick 132, that is very helpful.

 

 

I will list it all but not sure what I am entitled to as I haven't always met their full payment requirement,

and I have noticed that on many occasions, they have only notified me of the increase on my mortgage for 2 accounts, NOT 3,

hence when I have paid them, I still haven't met their monthly quota.

 

 

Do I list for the past 12 years as DX100 says?

 

 

That would mean going back to 2002,

they have only supplied me with documents from 2004.

 

 

DX 100, thank-you so much for your patience.

 

 

I have a paying-in book, not a bank account.

 

 

I think they may have possibly changed their account details and therefore not applied these payments to my account

however, everytime I made a payment at the bank I always asked for them to confirm the account was GE

and that my reference number was put on that payment.

The tillers always confirmed these points with me. I have stamped ( by the bank) receipts to confirm these payments with payment dates on.

Edited by Desperate and frightened
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Think I may be actually mastering this!:-D It only took 3 attempts to log in, and 2 to get here!! Lost internet connection earlier but will work on what you've given me, thank-you so much, and will be back in a couple days, hopefully with a final spreadsheet! Sincerely, thanks to everyone. I would be lost without you all.:oops:

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Hi D&F,

 

Even if you failed to make a payment when required, any penalty or admin fee charged as a consequence should be reclaimed as an unlawful penalty charge.

 

List on a spreadsheet all the penalty charges you have data for.

 

:-)

We could do with some help from you

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Thank-you Slick.

 

 

I have received a load of gumph from them today showing what they require for early settlement by end Dec.

 

 

Shall I just ignore it and let the term continue till end of Feb?

 

 

I am going through the figures and I have noticed there is Interest and ADDITIONAL interest in places.

Do I list the additional interest too???

 

Also on the spreadsheet,

it asks for the interest rate but I don't know what the interest rates should be?????

 

-I have noticed there is 'solicitor interim legal fees', does this go on the spreadsheet too?

 

- There is over £2000 under 'Transfer MIS- Misc adjustment.

Does anyone know what this is this??

Also 'transfer to s/a E JCD compou??

- There are also default notice charges. Are these re-claimable??

Edited by Desperate and frightened
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Hi D&F,

 

There are, I hope, folk around that are more knowledgeable about GE cases. However, ..............

 

Default notice charges should be reclaimed on your spreadsheet.

 

If you're using a compound interest spready, use the interest rate used by GE on the a/c.

 

I don't know about the "Transfer MIS- Misc adjustment" entries.

 

Hopefully, others will comment ...........

 

:-)

We could do with some help from you

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post 17

lists the stuff

 

 

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...

Sorry I haven't been back, got the flu despite having the jab!

 

 

I have been through the statements and

have a list of their interest rates at various times.

 

 

Do I list everything on seperate spread sheets depending on what the interest rate was for that time

or do I list everthing on one spreadsheet at their highest interest rate??

 

DX, I have looked at post 17,

there is no link I don't understand what you mean that it's listed in post 17???

Sorry not very savvy with computer use or jargon.

 

I have some letters confirming that they are applying a charge to my account for solicitors fees,

but I can't remember the times that I have been to court or those that they started litigation then stopped.

 

 

Can I check this somewhere.???

ps. Happy New Year everyone

Edited by Desperate and frightened
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you could use an avg int rate.

 

 

those fees listed in post 17 are what you can reclaim.

 

 

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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Hi, I have done the spreadsheets from May 2004 because they have only issued me with data since then.

 

 

Do I request a list of charges from them for Jan 2003 to may 2004?

 

I also haven't included any charges they may have applied since supplying the SAR.

 

Finally, there is one spreadsheet just with solicitors charges

which I haven't put on the main spreadsheets because I don't know if any of these are reclaimable.

 

Can someone please advise me, and tell me what I should do next??

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why have you done 11 spreadsheets?

 

 

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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the apr needs to be the avg of all the yearly interest rates not the monthly one.

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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convert your avg monthly int rate to yearly apr

 

 

http://www.stoozing.com/calculator/apr-rate-converter.php

 

 

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 cannot reclaim sols fees IF they have taken you to court around that time

 

 

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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12!! I didn't know how to calculate the interest rate:oops: Sorry:oops:

How do I convert the monthly interest rate into yearly apr??

Sorry I have now seen the link but how do I do this??

Here are a list of Interest charges that they have supplied, 26/3/1990=0.5000%,

19/7/04=0.5492%, 16/8/04=0.5700%, 17/8/06=0.5908%, 16/11/06=0.6117%,

13/1/07=0.6325%, 12/5/07=0.6533%, 6/7/07=0.6742%, 20/9/07=0.7450%,

1/12/07=0.7033%, 1/3/09=0.6617%, and nothing after that date. Please can you give me step by step instructions:oops:

Edited by Desperate and frightened
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Hi D&F,

 

I would use just one spready for all the charges over the years. Do not enter the solicitor charges on it for now.

 

The spreadsheets all show a very low interest rate - perhaps the monthly rate. You need to enter the APR on the spreadsheet to get the right figures. use an average figure as previously suggested by DX.

 

:-)

We could do with some help from you

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Please give something if you can. We all give our time free of charge but the site has bills to pay.

 

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add all those interest rates together

 

 

then divide that figure by the number of interest rates you added together

 

 

that will tell your the AVG monthly in rate

 

 

then goto that site

and convert it to APR.

 

 

put that in the int rate into cell d 15 of ONE BLANK [new] COPY of the CISHEET

 

 

then enter EVERY CHARGE on the shett no matter when from

ignore sols fees

 

 

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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Thank-you Dx.

 

 

Does this look right to you?

 

 

1) 6.8971

 

 

2) divided by 11 = 0.627009

 

 

3) converted to APR =7.79% compounded, 7.53% not compounded.

 

What interest rate do I apply to the spreadsheet compounded or not compounded and what is cell d.15???

Edited by Desperate and frightened
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