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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.
    • 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
    • Well yes, ... and the tax dodgers ... Trump May Owe $100 Million From Double-Dip Tax Breaks, Audit Shows A previously unknown focus of an I.R.S. audit is a dubious accounting maneuver that effectively meant taking the same write-offs twice on a Chicago skyscraper. nytimes.com WWW.NYTIMES.COM  
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      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

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      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

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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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      This is good ethical practice.

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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Stopping Payments to Stepchange and going it "alone"


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I was advised on here that no judge would consider a debt unenforceable that I've been paying off for over 6 years.

 

 

I've look through all your thread

 

 

cant see this anywhere

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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Cash cowed means you give whoever asks, money without any questions. Just like a cow gives milk.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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this has been going on since dec 2012

 

 

in various threads

 

 

all now merged to one thread - this one.

 

 

urm...

 

 

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 if I owe £20k to various dca, I could somehow challenge it??

I'm paying monthly through the CCCS anyway.

Nobody is chasing me.

 

Yes it's been going on a while and somehow ended up on one thread.

 

 

Unfortunately, I've not been able to deal with it :-( a

 

 

nd now I pick it back up again,

because I want to make a change!

- BlondieGirl

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Nobody is chasing you because you have been blindly paying then whatever they ask without question.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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Yes, I have been paying :0) Because that's what the CCCS advised to do

and I didn't really know what else to do.

 

 

I have reduced payments though, but by doing this,

I have made it worse because the ARs will appear on my credit file for longer

which I apparently can no longer challenge.

 

The bit about no judge making it unenforceable was from someone on here

.......I have definitely re-read it today....

- BlondieGirl

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It was 18th December 2012. SOrry, don't know how to add the post here. But it was from DX100UK;-)

 

"the debt being un-en wont really help you.

 

you cant really expect a judge to agree you never had any account with MBNAicon after all this time and payment.

 

i honestly cant see WHY you are paying such large figures to these people

 

it is NOT a priority debt

 

MBNA sold it on for a reason

 

i bet there are heeps of PENALTY charges & PPIicon to reclaim

 

thats why they sold it.

 

get an SARicon off to MBNA

 

dx"

 

So if no judge will believe a debt is unenforceable after all this time, how can it help if I get a CCA from a dca (or can't get one more to the point) :-)

 

Do I need to list the debts every time I reply? I tried as a signature but it was too many lines.

 

So I need to cca the dcas and what am I trying to get with the SAR from the OC?

 

Also, as this has all been going on for 6 years now, is there any point in trying to claim all the charges back? I know I must have had hundreds added which took me over my balance regularly, resulting in more charges.....

 

THANKS :-)

 

MBNA sold to Idem Servicing September 2012 £2,601

MBNA sold to Moorgate September 2012 £1,617

Barclaycard assigned debt to Aktiv Kapital April 2011 £2,789

Barclaycard/Cabot Financial £1,749

Barclaycard/Cabot Financial £4,663

- BlondieGirl

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depends on when the credit was taken out

and I don't think that was a repy to one of your posts either

 

 

however move on

 

 

simply list your debts here in a post.

 

 

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 ARs will appear on my credit file for longer which I apparently can no longer challenge.

 

 

did you check with the ICO for their view on it?

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did you check with the ICO for their view on it?

Now considered to be The accurate record of the conduct of an account.

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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I will call them tomorrow.

 

What do you mean the accurate record :-)

 

 

 

UOTE=BRIGADIER2JCS;4609621]Now considered to be The accurate record of the conduct of an account.

 

 

Much has change in regard to the "style" of displaying accounts on CRA files, previously the application of AP markers instead of actually defaulting accounts was considered "unfair" and it was possible to challenge the us of such markers as unfair as they could remain on files for more than 6 years.

 

 

This option is no longer viable so if an AP is entered into that is what must be reported to the CRAs because that is what is accurate.

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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Lets start fresh.

 

List all your debts. One at a time, and provide all the info you have with each one. Dates, amounts, charges etc etc. Then we can go from there. You are very likely being fleeced, and IF you are, we want to help you get it stopped before they milk you even more.

  • Confused 1

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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Thank you :-) I will list as much as I can tomorrow.

 

I can't believe that ARs and DMs can be reported on for as long as they're there.

It's a true reflection of the account, but at the same time,

it's grossly unfair because I will have them there for many years

which puts life on hold until my 50's! I should have gone for an IVA!!!

 

Also, is it worth trying to re-claim the hundreds of pounds of charges applied to the accounts before the DMP? The charges were probably done just over 6 years ago :-)

- BlondieGirl

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it does seem at odds. one reason why suggested checking with the ico, to get their current view.

i presume though that arrangements/dmp etc are not looked on as unfavourable as unpaid defaults re credit worthiness?

but, know what you mean. sometimes maybe someone wld be better off just defaulting, or waiting for the SD re bankruptcy and save on the fee. or sitting on it (if poss barred), cca requests, or a DRO, etc if applicable. depends on the individual circs. :)

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Thank you :-) I will list as much as I can tomorrow.

 

I can't believe that ARs and DMs can be reported on for as long as they're there. It's a true reflection of the account, but at the same time, it's grossly unfair because I will have them there for many years which puts life on hold until my 50's! I should have gone for an IVA!!!

I agree, APs have always been problematical and if still processed after 6 years from the default date/or when the default was perceived to have occurred, one could challenge an seek that the account was retrospectively defaulted, this it seems is no longer an option.

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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I doubt a mortgage lender would look at them in any favourable way :0( can't even move and rent, and rent our house out because we couldn't get a buy-to-let for our own house! At least the DFs aren't showing now. But I can't pay the rest off, or wait 6 years.

 

I will call the ICO tomorrow when there are no children around.....

 

What's an SD or DRO please?

 

It doesn't seem right that a bunch of OC defaulted me, and some decided not to :-(

- BlondieGirl

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I doubt a mortgage lender would look at them in any favourable way :0( can't even move and rent, and rent our house out because we couldn't get a buy-to-let for our own house! At least the DFs aren't showing now. But I can't pay the rest off, or wait 6 years.

 

I will call the ICO tomorrow when there are no children around.....

 

What's an SD or DRO please?

 

 

SD Statutory Demand For Payment: First Step on the Bankruptcy process if issued one must apply to a court for the SD to be set aside, but one must have a reasonable defence to any CC Claim..

 

 

DRO is a Debt Relief Order. Google it and all will be explained.

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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Also, is it worth trying to re-claim the hundreds of pounds of charges applied to the accounts before the DMP? The charges were probably done just over 6 years ago :-)

 

If these are penalty/default charges on loans/credit accounts, then yes it would be worth making an attempt to reclaim them - they will likely be taken from the balances rather than money in your pocket but every little helps so they say.

 

You would need to obtain statements in order to work out the value of the charges - you can send Subject Access Request to each of the creditors it will cost you £10.00 per creditor (so if you have more than one account with one creditor it will only cost you the one £10.00.

 

There is a draft letter in the link below. They have 40 calendar days in which to comply with the request.

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?387306-Full-Subject-Access-Request

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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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SAR goes to the original creditors - the DCAs will have very limited data.

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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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