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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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Stopping Payments to Stepchange and going it "alone"


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Hi, the 3 Halifax defaults will drop off in about 18 months - yaay!

 

But surely the fact that we're on a plan, in arrears (as is the case with MBNA) etc etc will still show won't it and affect us??

 

Won't the debts show for 6 years after they're paid off?

 

It just shows black, black, black 'payment plan' boxes going back month after month.

 

I wonder why the debts were sold then.

 

What makes you think that something is up with them?

 

I just assumed that the CCC couldn't be bothered and sold them.

- BlondieGirl

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the ico control your data and how it is used they say:

 

All references to a defaulted debt must be removed from your credit files after 6 years has passed from date of default,

whether paid off or not.

This is so that someone who continues paying something even after 6 years from default should not be at a disadvantage

to someone who pays nothing after default and ends up with a clean file after 6 years.

 

 

now

 

this AR or PP thats unfair.

 

are there default dates on the debts showing AP/PP

 

and i'd getanother CRA file too

 

noddle is free

 

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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Wow! Really??

 

So the 3 debts from the Halifax should disappear as it were, even though I'll still be paying it back??

 

The 3 Halifax defaulted dates are on there.

 

None of the other CC debts are showing as defaulted, but sold on to DCAs and I think they're all showing as on payment plans.

 

I tried noodle but it said it couldn't verify me

- no idea why that would be!

 

I tried one that shows Callcredit and Experian together.

 

All the other CC debts seemed right, and are showing as sold on ie, not in the name of the original CCC.

 

I bet you're sick of my questions now!!

- BlondieGirl

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you really think after almost 38'000 pesonally written non templated posts i get fed up..........

 

no i just HATE IT when creditors and DCA's and even some agencies that are SUPPOSED to help debtors

 

all shakehands in getting money they should not p'haps be getting in such a volume and fleece debtors

in one way or another.

 

think of it this way ... if you weren't paying £200, but say

 

now these AP markers, WHO put them on

the OC before it was sold on or the DCA since?

 

you need to COMPLAIN that they are not fair

as AP/PP NEVER goes away

 

the debt SHOULD have been defaulted from day ONE not marked with AP/PP.

 

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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So, I'll start with the CCA/SAR & post separately under each & see if I can claim back any fees.

 

Then, how do I go about getting these AP/PP removed? Are there template letters for these? I didn't ever get default notices, which I guess is why they're not showing as defaulted!!

 

I am pretty sure that when I checked my CRA file a while ago, these arrangement plans were showing then. But how can I find that out? Through an SAR???

- BlondieGirl

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yes by SAR to the OC's

 

i would suspect THEY put the AP markers on.

 

theey are your complaint target .

 

there has been good success with getting them removed

 

the brig is great at writing letters to sort it.

 

 

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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Great! Thanks. So there's a little hope :0)

 

OK, having checked my file this morning on checkmyfile.com, I can see:

 

* HALIFAX NO. 1- years of default, date of DF June 2008 - so will this whole account disappear from the CRA after 6 years even though I'll continue to pay?

 

* HALIFAX NO. 2 DF report until June 2014

 

* Idem No. 1 (was MBNA) as months of DM (DM from Oct 2011 when I guess the debt was sold) or prior to that AR - says to report until 6 years after a/c closed - well that's gonna be when I retire!!!

 

* Idem No. 2 (was MBNA) says months of DM (DM from Oct 2011 when I guess the debt was sold) or prior to that AR - says to report until 6 years after a/c closed

 

* Barclaycard - AR - again says report for 6 years until after a/c closed!! They agreed to reduce my payments and put me on a plan because of difficulty to pay

 

* Cabot Finance - I think they must have bought from Halifax - this one says DF until May 2014

 

So the 3 default ones should drop off and not show, and I need to tackle the other 3 who report AR/DM - and write to complain!

 

I think this is what I should do??

- BlondieGirl

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yep

 

i'll get brig to pop in

 

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

The ICO has agreed that AP markers to put a debtor at a disadvantage compared to a debtor who has a defaulted account and has made no effort to pay at any time.

 

So yes these can be challenged.

 

 

If you want a letter drafted please let me know.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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Thanks so much!!

 

Will do this evening, the Lady Brig has instructed me we are going shopping:-(

:-(

 

Thank you :0) I have 3 entries on the CRA file which are continuous AR/DM so any attempt to change this would be fab otherwise they'll be showing for years! Not sure what to do with the amount we owe - separate issue - but anything that can improve our credit record would be amazing!! :-D

- BlondieGirl

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Ok this can be used for all AP marked accounts or DMP accounts, send by recorded delivery addressed to the Data Controller, you will need to send screen prints of the individual entries.

 

 

Ref: as on any of the DCA/Creditor letters.

 

Unfair Credit Reference Agency Reports/ FORMAL COMPLAINT.

Dear sir,

 

I am concerned that the manner in which (company name) is reporting the account (s) shown in the screen prints attached herewith, the Information Commissioners Office has said that to continue to report ''arrangements to pay'' (AP) after the date when a defaulted account would have been removed from credit files is unfair in that is disadvantages a debtor who has made an effort to repay a debt as compared to a debtor with a defaulted account who has not made any attempt to repay their debt.

 

This situation also applies to debtors who have entered into ''debt management plans'' who are similarly disadvantaged, in my case I would seek to have these entries removed from all credit reference files on the grounds that they are manifestly unfair and place me at considerable disadvantage compared to debtors who do not pay their debts.

 

Please give all due consideration to this matter, as I am fully prepared to refer the matter to the ICO and FOS if necessary.

 

Ok, recorded delivery, just amend to suit each case.

  • Confused 1

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

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Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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Have you made a start on reclaiming charges that might have been applied to the account in the early stages of your financial predicament ?

 

If you dont have statements, then you would need to send Subject Access Request to Original creditors - this will cost you £10.00. If you have more than one account with one creditor then the £10 statutory fee covers all those accounts. The companies have 40 calendar days to comply.

 

There is a draft letter in the CAG library that you could use.

 

Once you have the information back, you would then complete a spread sheet - which we can provide - at the very least the charges refund would reduce any outstanding balances.

 

Oops.. see you have already been advised to do this :lol:

 

I see you have 2 Halifax accounts - what type of accounts are they ? If they were the preference accounts you should look at these very closely, because in a lot of instances, whether requested or not.. PPI was added :(

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Hi,

firstly, to BRIGADIER2JCS,

thanks SO much for the letter.

I take it I send a copy to all the credit reference agencies, Equifax, Experian and Callcredit for each of the 3 accounts that are reported in this way?

Or is it a data controller at the credit card companies??

I will get that done as soon as I can. Big thanks!

 

Also, it's not quite 6 years since the default would have been applied so can I still complain when it's showing as DMP or AR?

 

Secondly, citizenBthanks for your post.

 

I do know know, about re-claiming the charges.

I do remember there were many!

Usually that took me over my credit card limit, whe 2 Halifax a/c's were credit cards. There weren't any PPIs on there.

 

Also, please can someone clarify the defaults being removed after 6 years.

Will the Halifax defaulted account that I will still owe on and pay on, completely disappear, or just the DF entry??

 

Thanks both for your help. Really appreciate it :0)

- BlondieGirl

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To the companies who's name is on the entries and the CRAs. all to the data controllers. yes complain just leave til after the hols it wont get any attention otherwise.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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So for once I am mad that the other 3 didn't DF me!!!!! Wish they had. Can they do it after the event??
##

 

There may be a case for challenging the fact that these debt were not defaulted earlier, no a default now again would be unfair.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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  • 1 year later...

Hello :0)

Has anyone had any luck getting monthly reports of 'Debt Management Plan' or 'Arrangement to Pay'

removed from their credit file with Experian/Equifax etc?

 

 

Having paid off a lot of debt over the past 6 years,

I was so pleased to see that defaulted accounts are no longer showing on our credit files - great!

 

 

I thought all the 'bad stuff' would have gone. But alas, no.

 

 

Debt agencies are still reporting.

How do I get these 'arrangements to pay' removed?

 

 

I assumed/hoped they would 'drop off' along with the defaults.

If they're to be reported on for 6 years after the account is closed,

we are going to have this hanging over our heads for many, many years.

I didn't think it was 'lawful' to report on arrangements to pay plans

because it penalises those who are actually paying their debts off.

HELP!! and thanks :0)

- BlondieGirl

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hey blondie

 

this is the ICO view (brief) principles on cra reporting.

http://www.scoronline.co.uk/files/scor/high_level_prinicples_document_final.pdf

seems that if there is still a dmp/payment arrangement in place then they can report as such? but, check the ico site for further info re cra reporting. or cld double check with the ico directly. if do this, post back what they say.

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Thanks for your reply - I will have a read.

 

 

If they can carry on reporting, it seems grossly unfair if others have defaulted which subsequently no longer get reported on :-(

 

 

I am sure that I once read that it was unfair against those paying their debts off,

and those who for example, went bankrupt or had an IVA.

 

 

This could have a serious knock-on effect on those trying to re-build their credit score and lives!!

- BlondieGirl

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