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    • Is the letter headed Letter of Claim/before Claim or similar? If not, it sounds like more of the threatogram chain. If you're not sure, post up an anonymised copy of the letter and we'll check. HB
    • So guess what, we have received a final demand letter for £100. It states if payment is not made by 11/06 they will have no option but to forward the case to their litigation dept with a view to commence County Court Proceedings. So just wondering if anyone has any advice. Do we ignore this? or do we need to take action? Thanks 
    • hi dx, thanks for helping just re-reading everything this morning and I must have missed this one from uncle in his thread "What you should not do, is not contact the Banks and simply default on payments. "  are you in disagreement with this based on your last sentence?
    • Thanks for the reply and clarification, that might just explain why in my case contact has pretty much ceased. Though with such companies it doesn't mean they won't ever threaten to return to court as a tool to force one's hand if they feel they are not self informed on their chances etc.  But concerning how last year they tried to use the CCJ to get a charging order and the court granted an intirum order on our mortgage using the CCJ that would have been a good 2-3 months beyond the 6 years, should the court not have checked the age of the CCJ in the first case or would they always grant an interim order simply off the back of a CCJ being produced without even checking the age of it?.  Had I not defended that action at the time they may well have got a default using a CCJ older than 6 years which could be a concern going forwards. At the time when I contacted the court to question the paperwork for a final order application the clerk suggested people don't get informed when companies apply for interim charging orders, they are automatic if a claimant has a CCJ and people only get contacted once a date for a final order application goes through. kind of begs the question if such companies can continue a seemingly backdoor method to attempt default action if un-defended if the initial application doesn't need to check the age of a CCJ?.
    • Hello!  Wondering if someone can help with this.  I suspect not but worth a go.  I appreciate the "contract is with the seller" line, which is what Evri has fed me but wanted to see if someone with experience in these things could suggest anything else I could do here.  I appreciate there are many topics about lost parcels - My parcels weren't lost, until the driver walked up to my door with them and then decided to make them lost/stolen... I'll summarise what has happened.  Wednesday of last week - Evri delivery driver stole / walked off with 3 of my parcels.  -  Arrived outside my properly, took photos (3 separate photos as its 3 separate deliveries) of the tops of the parcels (pointlessly zoomed in on just the labels, couldn't see anything else, other than a small piece of the pavement and a little weed, which doubly confirms it was outside my door as I can see the same plant), marked the order as delivered and walked off with them.  He's marked on the Evri GPS marked that he was outside.   -  3 different deliveries, from the same company (same boxes etc.), but 3 separate tracking numbers. -  Went through the Evri bot which opened a case on each tracking number.  I then phoned them and left a voicemail explaining what had happened. -  24 hours later had a canned response asking me if the packages had turned up and to check around etc..  I responded explaining again what happened and that they've definitely been taken. -  4 days later,  this morning, I get a response telling me to ask the merchant to refund me. I've responded to this message with a long email, repeating what I said, that I believe the driver has stolen these packages and that he took those suspicious top down shots of the packages, marked them as delivered without ringing or knocking etc.  I've said that I expect them to investigate further, but I gather they won't. In my several messages to them initially and later, I told them I don't care about a refund and wanted the parcels.  They contain some sentimental stuff, nothing of high monetary value, hence me going to this trouble.  I only paid £25 for the contents. I did contact the merchant when this first happened and they asked me to wait a few days.  They ended up refunding me despite me asking them not to and that I wanted them to escalate it with Evri because this appears to be a case of theft.  They didn't seem bothered - Refunded me and told me to go back to Evri and escalate it with them? So - Is there any way to compel Evri to conduct a proper investigation with this driver?  Search for my parcels? I have quite a lot of deliveries handled by Evri (not out of choice) - They used to have a fantastic chap and I rarely had any issues.  He has been replaced by a new guy and I believe the route is handled by this same guy who I believe has taken my packages.  Naturally, I fear this is going to happen again in the future if no investigation occurs. Appreciate any assistance - Thanks for reading. Al.  
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I need some advice now - about to send LBA


elizabeth1
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MY Cap 1 card account was defaulted at £770 (I had a limit of £400)

 

I have added up that they charged me £395 in Charges (with interest as per spread sheet at around £135 totals £528 odd)

 

I have sent my Prelim to Cap 1 and had a reply off Mr Udy today saying that they'll settle for giving me £125 - the difference between £20 & £12 charged etc..

 

Mr Udy says he has reviewed my account and that a sum of £110 had been applied to my account - but he doesn't say what or when that £110 was applied to my account (need to examine bank statements with a toothcomb to see if it's an old matter - or something new.

I do get the feeling it was one day I phoned them back after their harrassing phone calls and avalanche of letters to me - my mouth motored off down phone and I went a little NUTS at them and told them bog off I ain't paying no more - cause they were really taking P out of me and just slamming my account with charges till it was doubled the limit of my card - does this sound likely they duid that for me?? As it seems a new one on me!!

 

NOW the bit I am stuck with is - will getting these charges back - actually clear this account and leave room for me to get the Default removed - OR do I have to clear the whole £770 that they defaulted me for??

 

My sums make me think that the £528 charges with interest - does clear the £400 credit card limit that I had - with a tiny little bit for my christmas party dress & shoes? (Come on a girl has to have shoes?? :D )

 

Is that how this one will work out when I send Mr Udy a letter saying thank you I will accept that sum as part payment and will go court for the rest unless he coughs up?? Or do they have a right to the whole balance at £770

 

I am just double checking that my mind is straight before I send this letter on Monday - cause I don't want to look like a clown!! I hope someone can just check those figures for me please!!

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  • 2 months later...

Well my claim has moved on a bit since I first began this thread.

 

I filed my claim for 650 pounds and did win my charges back - But Cap1 decided to take this 650 off the defaulted balance of 770 - so now it appears that I still owe 121 to Cap1 - so I am not a happy bunny as I still have a default - probably with a nice fresh date on it so it will run for 6 years from now? (My original card limit was 400 - so whatever was above that limit was made up of unfair charges from Cap1)

 

In my bid to work my way to solve this I have picked up on some areas and I do plan to continue my claim against Cap1.

 

Firstly, they hadn't supplied me with the signed CCA that I had asked the for or a copy of the Default Notice - I am arguing this point with them.

 

I had PPI insurance on this card and they made excuses when I came to claim on this insurance at being made redundant. I should have been able to pay this from the insurance I'd been paying?

 

I have informed Cap1 that I plan to continue this claim on the basis that I haven't been supplied with the relevant paperwork as requested (CCA & Default Notice), also that they have inaccurately recorded information about me for a debt that was largely Unlawful Charges, Also I had been Mis Sold Insurance that ought to have cleared this debt.

 

From what I have read here Cap1 shouldn't have recorded such data about me and if their plan is to start writing about me and creating a new Default etc.. then I plan to try stop this from happening.

 

I shall write more as my case developes further.

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They will not creat a new default against you as long as you continue to make payments to pay off the little balance that is left.

 

There are plenty of threads on this forum where people are taking actions to have their defaults removed on grounds that they were wholly or mostly made up of unlawful charges. I think you should pursue this and push them for a copy of the credit agreement which will add strength to your case if they cant supply it.

 

Good luck and keep us posted.

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They will not creat a new default against you as long as you continue to make payments to pay off the little balance that is left.

 

There are plenty of threads on this forum where people are taking actions to have their defaults removed on grounds that they were wholly or mostly made up of unlawful charges. I think you should pursue this and push them for a copy of the credit agreement which will add strength to your case if they cant supply it.

 

Good luck and keep us posted.

 

Stansfield,

Initially when I was made redundant I asked about the insurance covering this and was given a huge runaround and fob off - hence my 400 card Limit creeping up to 770 with chrges - I kept paying the charges and minimum balance for as long as I could do it (but it's tough when you have children to provide for?). It got to a stage where I just couldn't do it and when I suggested what I could afford they always wanted more and guess what?? They still charged me the PPI every month!!!

 

I never made any arrangement with them cause they were so unhelpful and obnoxious to me!! Everything I offered to do they wanted more and I simply couldn't do it.

 

So on the basis of the charges I do intend to get the default removed somehow - I will keep reading and reading as I have no intention of letting these people register a new default against me with this years date when the other default was from 2002/2003 time - I will kick a fuss up to stop them doing this.

 

I am sure that f they had the paper work relevant to this account - they'd have sent it to me no problem instead of making excuses?

 

I have sent Cap1 a letter outlining why I intend to continue this claim and copied it to court etc.. with the slip saying I want to continue claim and why I intend to continue etc.. (thank you willow!!!):D

 

I reckon if CAP1 are so certain that their charges are right and the refund they gave DCA is a GOGW on their part and they want to explain why they defaulted me for a debt with so many charges and then why they continued to charge me PPI and wouldn't let me claim - and that they'll not give me paperwork as requested etc.. - if they want to do this in court it's fine by me really - as I haven't got to explain those things to a judge - all I did was get in arrears on a card repayment that I truly believed I was covered for by insurance. I am not the one who has to explain myself as at the end of the day I did my best my circumstance simply changed.

 

It sure will be interesting to see what this Bank come up with next as their defence.

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They are often not worth the paper they were written on! If you refused your claim on PPI, what reasons did they give? Redundancy is pretty standard and if this was not covered, then basically, you paid a lot of money out for nothing. PPI is usually charged at £1.20-1.40 per £100 of the outstanding balance.

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