Jump to content


  • Tweets

  • Posts

    • 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  
  • Recommended Topics

  • Our picks

    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • Hello,

      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.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      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.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 161 replies
    • 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.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
        • Like
  • Recommended Topics

CCJ from Bryan Carter Solicitors via Lowell


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 3322 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

Hi All,

 

I have just received a Claim form from Lowell Portfolio I Ltd. via Northampton CC,

 

it was issued on 01 Aug 14 but

 

I only received it at the end of last week.

 

After having a discussion with a friend who is quite clued up on these things

 

he mentioned requesting the Deed of Assignment as apparently the debt is not allowed to be sold without me being informed

and if they don't have this information then nothing can be done regarding the debt,

 

he also went into explaining about the OPPT and it being dissolved therefore we are all debt free anyway!!

 

What I am enquiring about on here is the best way to word the deed of assignment information request on the Court website when I dispute it??

Any help would be greatly appreciated.

Lisa x

Link to post
Share on other sites

forget that - its all freeman of the land twaddle

 

please fill this out and post back here.

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?419198-You-have-received-a-Claim-What-you-need-to-do.-**UPDATED-April-2014**

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... 

Link to post
Share on other sites

There you go.......

 

Name of the Claimant ? Lowell Portfolio I Ltd

Date of issue – 01 Aug 2014

What is the claim for –

 

 

Particulars: Claim

 

 

is for £795.18 the amount due under an agreement between the original creditor

and the defendant to provide finance and / or services and / or goods.

This debt was assigned to / purchased by Lowell Portfolio I Ltd on 23/02/2012

and notice served pursuant to the law of property act 1925.

 

What is the value of the claim? £795.18

the claimant also claims interest pursuant to S69 County Court Act 1984 from 23/02/2012 to date at 8% per annum amounting to £154.95. (Total £950.13)

 

Is the claim for a current or credit/loan account or mobile phone account? Vanquis Credit Card

When did you enter into the original agreement before or after 2007? Around 2007/2008.

Has the claim been issued by the original creditor

or was the account assigned and it is the Debt purchaser who has issued the claim. Debt was purchased by Lowell Portfolio I Ltd

Were you aware the account had been assigned – did you receive a Notice of Assignment? Not that I am aware of.

Did you receive a Default Notice from the original creditor? Yes

Have you been receiving statutory notices headed “Notice of Default sums” – at least once a year ? No

Why did you cease payments:- 2008/2009 unsure of exact date

 

Was there a dispute with the original creditor that remains unresolved? PPI on account

Did you communicate any financial problems to the original creditor

and make any attempt to enter into a debt management plan? No

Cheers

Lisa

Link to post
Share on other sites

Yoru timeline is as follows..

 

Date of issue - 01.08.2014 + 5 days for service = 05.08.2014 + 14 days to acknowledge = 19.08.2014 + 14 days to submit defence if you are going to defend = 02.09.2014

 

Your first important task is to acknowledge the claim - you can do this online using the claim reference and the password that you will find if you read down the claim form.

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

Link to post
Share on other sites

You cannot request a deed of assignment - only the Notice of Assignment. This is a letter from either the debt purchaser or the original creditor.. most usually the debt purchser.

 

You can request this via CPR 31.14, although it is unlikely you will receive a copy and will most likely have to wait until the claim is allocated to ask the court to order the claimant to prove that one was sent and they have a right to bring this claim.

 

Did you make any attempt to reclaim the PPI if it was added without your knowledge or permission or if it was unsuitable ?

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

Link to post
Share on other sites

I'm not acknowledging the claim as then I am admitting that I owe that amount!!

 

The original credit card limit was £500, the rest added is purely charges!

 

I don't want to part admit it either,

 

I am wanting to dispute it but am unsure what to write in the box??

 

I disputed one recently and stated it was statute barred..

 

..I've not heard a thing from the court since regarding that one and it was in June.

 

No I didn't attempt to reclaim the PPI as I had no details other than knowing the credit card was from Vanquis

as I haven't had any statements or information from them for years!

Link to post
Share on other sites

I think perhaps you should have sent a Subject Access Request to Vanquis when you first disovered the PPI - that would have given you access to the data. You can still do this, although you wont have it in time for your defence because they will take every one of hte 40 days they are entitled to.

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?387306-Full-Subject-Access-Request - this has to go to Vanquis along with the statutory fee of £10.00 - you should receive copies of yoru statements that will enable you to reclaim the PPI

 

You will need to send a CPR31.14 request - http://www.consumeractiongroup.co.uk/forum/showthread.php?387484-LEGAL-CPR-31.14-Request-Request-for-information-when-a-Claim-has-been-issued. - this goes to the solicitor named on the claim form - there is no fee - you should amend it to include only those items mentioned on the claim form which are..

 

1: - A copy of the agreement

2: - A copy of the Notice of Assignment

3: - Statement of account to show how the amount being claimed has accrued .

 

You should at the very least obtain a free proof of posting from the post office and keep it with your copy of the request.

 

You should also send a CCA request to the claimant - http://www.consumeractiongroup.co.uk/forum/showthread.php?387435-CCA-Request-Consumer-Credit-Act-1974 - you need to include the statutory fee of £1.00 . If they dont supply this within the statutory time of 12 working days + 2 for postage, then they are in breach of their obligations and you can mention this on your claim.

 

At this point in time you should only acknowledge the claim - tick the box that you are going to be defending and you will get the extra 14 days. You can put that time to good use by reading round the forums for similar situations and gathering any evidence for your defence - even if you receive no response to any of your requests, you MUST submit a defence by the correct date else they will obtain a default judgment.

 

You can put them to proof in your defence.

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

Link to post
Share on other sites

You MUST acknowledge the receipt of the claim - you are not acknowledging the debt.. just that you have received the claim form.

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

Link to post
Share on other sites

  • 8 months later...

Hi all,

I disputed this via the court as I think it is Statute Barred but the court found in default judgement to Bryan Carter Solicitors.

 

 

..I haven't paid them since CCJ was granted and now in arrears of £350.

 

 

I sent them a statute barred letter as I had this Vanquis credit card debt years ago and card limit was £500,

the rest are charges they have added amounting to CCJ of £1105.13.

There was also PPI on this card but it is from 2008/2009.

 

They replied to me today stating...

 

Our clients position is that the limitation period runs from the date the original creditor became entitled to demand payment this being 30 June 2011.

 

 

It is our clients position that the account is not statute barred and that the amount outstanding remains payable by you.

 

What on earth does this mean please?

 

 

And is there anything I can do next??

Thanks

Lisa

Link to post
Share on other sites

OK looks like you may have missed the boat on this one.

 

1) When was account opened?

2) When was CCJ granted?

3) Did you acknowledge the claim?

4) Did you offer a defence?

 

5) When was last payment on the account made, or any written contact made acknowledging the debt?

6) When was the Court claim issued?

 

The above questions will help others help you

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

The SabreSheep, All information is offered on good faith and based on mine and others experiences. I am not a qualified legal professional and you should always seek legal advice if you are unsure of your position.

Link to post
Share on other sites

old and new threads merged for ref

 

 

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... 

Link to post
Share on other sites

when did you last use the card

or make a payment please

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... 

Link to post
Share on other sites

Hi,

 

I had the card in 2008,

last made a payment in 2009 as far as I'm aware.

 

 

CCJ was granted in Dec 2014.

 

 

I offered the defence after acknowledging the claim form that the debt was statute barred.

 

 

I have never replied to any DCA about this debt until I sent the statute barred letter last week.

 

I don't understand what they mean regarding the limitation period??

 

Thanks

 

Sorry CCJ was granted in Oct 2014 not December.

Link to post
Share on other sites

If you last made a payment in 2009 then (if you don't reside in Scotland) it wouldn't have been stat barred until 2015.

 

 

They issued the claim in Aug 14 so it wouldn't have been SB.

 

From the timeline it appears you didn't submit any defence to the court so claimant got judgment in default.

Link to post
Share on other sites

I'm guessing at 2009 for last payment, I know I got the card Jan Feb 2008 but then lost my job at the end of that year and stopped making payments. They are saying 2011 for date of last contact though which I do not agree with at all. Is there a letter I can send regarding last dates of contact/payment etc??

I had 2 CCJ letters at the same time and dealt with them the same way...1 was dismissed and has been cleared and dropped, this was the other one!

If I can't go down statute barred route then is there anything I can do regarding PPI on this account or the £600+ charges added??

Link to post
Share on other sites

I'm guessing at 2009 for last payment, I know I got the card Jan Feb 2008 but then lost my job at the end of that year and stopped making payments. They are saying 2011 for date of last contact though which I do not agree with at all. Is there a letter I can send regarding last dates of contact/payment etc??

I had 2 CCJ letters at the same time and dealt with them the same way...1 was dismissed and has been cleared and dropped, this was the other one!

If I can't go down statute barred route then is there anything I can do regarding PPI on this account or the £600+ charges added??

 

The claim isn't statute barred and you didn't acknowledge the claim or file a Defence so you are stuck with a CCJ on your record for 6 years IMO.

 

You can try and reclaim the PPI etc separately.

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...