Jump to content


  • Tweets

  • Posts

    • 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.  
    • its not a good thing or a bad thing its ongoing. mines gone the same route. these new notifications are equally meaningless.
    • Shein has been linked to unethical business practices, including forced labour allegations.View the full article
    • Hi I have to agree with @unclebulgaria67 post#3 For the funding side of moving to a new area and it being private supported accommodation I would also suggest speaking to private supported accommodation provider about funding but also contact the Local Council for that area and have a chat with them about funding because if you are in receipt of Housing Benefit certain Supported Accommodation that meets a certain criteria is treated as ‘exempt accommodation’ for Housing Benefit purposes but you need to confirm this with that relevant Council in your new area especially since it is Private Supported Accommodation as each Council can have slightly different rules on this. If you have a certain medical condition look up the charities and also have a wee chat with them as they may be able to point you to different Grants to assist with moving costs and your question about funding for private supported accommodation as well.
  • 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

West v Lloyds ***WON***


weststreet
style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 6446 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

Well said sweet i,ll second that(love your quote by the way)

yes bit daunting weststreet,but b***y great once armed with info.not been this fired up for years,also the virtual handholding thats forthcoming from this site is inspiring

 

WATCH THIS SPACE EH ! good luck to all keep posting

 

lizzie x:):)

Dont get mad :-x get even :)

Link to post
Share on other sites

  • Replies 91
  • Created
  • Last Reply

Top Posters In This Topic

Top Posters In This Topic

Hiya how you all progressing,any news ?

Bet you had same bog off of letter as o/h.we may take your debit card cheque card blah blah blah an if you dont like it bugger off type o thing..From Jean Campbell of the services recovery dept.Birmingham ???my o/h worried till i showed him loads of others on this site and that he was not being singled out

If you have not got it yet it wont be long :p

9 Days an counting for o/h !! then off to court

 

Lizzie:)

Dont get mad :-x get even :)

Link to post
Share on other sites

I'm filling in the moneyclaim particulars. Using the library guide notes. After I do the narrative in the particulars, it says lay out your calculation. When I tried saying total is 1.7k ( xxx 03/06/05 xxx 04/07/05 etc ) i.e I gave each charge and date to total the 1.7k I am claiming - I ran out of space. I was also timed out lol. I can't attach a spreadsheet to this claim ? if I can how ? But if I can't how do I spell out the detail of the charges totalling 1.7k without running out of space ??

 

Many Thanks

Link to post
Share on other sites

You can't, is the simple answer.

 

You need to use the template from the library, and keep it simple, i.e. the charges from 'A' to 'B' which amount to X.

 

If you then want you can print off a detailed copy of you charges and post it to them, as long as they have it within the 14 days, it shouldn't be a problem.

Link to post
Share on other sites

Sorry Lueeza.

 

You can tell I'm getting a bit stressed by this !

 

I was on holiday last week but got the second 'get lost' letter during last week. So it's on to filing the moneyclaim claim. Between catching up on work and filling in the moneyclaim particulars, I'm wibbling like crazy :)

Link to post
Share on other sites

Lizzie

 

Just saw what you wrote. Well Lloyds can't threaten O/H with anything because he closed his account with them last year ( think they were glad to see the back of him ). And if I don't do this for him - it doesn't get done ! I think his 'financial' gene got missed off at birth, anything to do with money and he just glazes over. Prime fodder for a bank lol.

Link to post
Share on other sites

Guest Lueeze

thats okay, you'll be fine, try not to fret too much!

 

We are here to help!

 

Lou xxx

Link to post
Share on other sites

Well finially got the Moneyclaim submitted. I was stuck for ages within the number of words but too many lines - not realizing what was wrong and why the thing wouldn't submit. Anyway - done now.

 

Quick question. Because I was only able to say total charges £xx between date and date, and total interest £xx, do I need to get O/H to write to Lloyds enclosing the spreadsheet itemising the charges and interest calculation ?

 

Thanks

Link to post
Share on other sites

Hiya West

Just back from taking my sons an my own"give it back or ill sue"letter i did not put break down wiyh them nor did i include this in my o/h one realy dont think you need worry...unless we both now up swanny of course :lol:

Have seen answer to this somewhere Cant find it now:(But if i remember you dont need to break it down for the bank just for the court.(not even sure you have to for them realy either court will tell you for sure)Do remember solicitors aking for break down when pretending to defend a claim.Hope some one more possitive than me comes along soon..

And yes west my o/h and both sons gene bypass in the finance dept..and the ironing,cooking,cleaning,shopping,etc.etc.:p

 

 

Hope this helps

 

Lizzie :)

  • Confused 1

Dont get mad :-x get even :)

Link to post
Share on other sites

Help !!

 

Just looked at our claim online ( which has been accepted ) now.

 

It's showing ' Northampton County Court ' ?????

 

I deliberately used the '48 Chiswell Street. London' address for Lloyds as defendents cos we, the plaintiffs live in London, and I knew if we went to Court it would have to be in London for us.

 

Why have they allocated Northampton ? and can we get it changed ?

 

Thanks

Link to post
Share on other sites

Guest Lueeze

Dont worry if you have to go to court it will be moved to the one nearest you!

 

Thats the standard one everyone gets allocated to 1st.

 

Lou xxxx

Link to post
Share on other sites

Mine also said Northampton, so I called money claim, and they said if it goes to court it will allocated to court near you, so don't worry!

  • Confused 1

Lloyds TSB - £972

S.A.R, prelim and LBA sent

Claim acknowledged

Defence received

AQ 20/06/06

***FULL SETTLEMENT RECEIVED 20/07/06***

 

Woolwich - £2288

S.A.R, prelim and LBA sent.

Offered half

Moneyclaim filed online 02/08/06

Judgement filed online 23/08/06

WARRANT FILED ONLINE 30/08/06

MONEY RECEIVED BY BALIFF 04/10/06

***FULL SETTLEMENT RECEIVED 09/10/06***

 

Smile - £175

Pelim 23/06/06

***FULL SETTLEMENT RECEIVED 07/07/06***

 

My Ex vs Woolwich - £715

S.A.R sent 30/08/06

Pelim 06/10/06

LBA 20/10/06

 

Advice & opinions provided are personal, and not endorsed by CAG or BAG, 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.

Link to post
Share on other sites

  • 2 months later...

Got a couple of questions, if anyone has got any thoughts ?

 

First : I just had a look at the list of charges starting 02/01/02. DPA request was dated 31/03/06. Because this is for O/H I didn't have a handle on this account. Lloyds never provided statements - just a list of 'view statement entries' ie charges and 'customer notes'. I used these for the Court Action. Now I've just looked at the 'customer notes' and these go back to 1998, so either there were no charges on the account 31/03/00 - 02/01/02 or I haven't been given all the information and the moneyclaim amount is wrong. Do you think I should get O/H to write to Lloyds asking for statements for this 'missing' period or their confirmation there were no charges during this time ?

 

Second : This seems to be taking forever. Moneyclaim filed 15/05/06. Defence advised 16/06/06. Allocation questionnaire filing date 05/07/06. Since then nothing. I got O/H to ring Court about 2 weeks back to get an update and they told him the judge would be allocating court dates that week and he'd hear in a couple of weeks ! This is the Central London County Court if that makes a difference. Is this length of time normal ??

 

Thanks

Link to post
Share on other sites

Got a couple of questions, if anyone has got any thoughts ?

 

First : I just had a look at the list of charges starting 02/01/02. Data Protection Act request was dated 31/03/06. Because this is for O/H I didn't have a handle on this account. Lloyds never provided statements - just a list of 'view statement entries' ie charges and 'customer notes'. I used these for the Court Action. Now I've just looked at the 'customer notes' and these go back to 1998, so either there were no charges on the account 31/03/00 - 02/01/02 or I haven't been given all the information and the moneyclaim amount is wrong. Do you think I should get O/H to write to Lloyds asking for statements for this 'missing' period or their confirmation there were no charges during this time ?

 

Second : This seems to be taking forever. Moneyclaim filed 15/05/06. Defence advised 16/06/06. Allocation questionnaire filing date 05/07/06. Since then nothing. I got O/H to ring Court about 2 weeks back to get an update and they told him the judge would be allocating court dates that week and he'd hear in a couple of weeks ! This is the Central London County Court if that makes a difference. Is this length of time normal ??

 

Thanks

Link to post
Share on other sites

Threads merged again , can you please keep to your original thread when updating or asking questions this is for your own benefit as people will be able to answer your queries if they can immediatly look back at your thread and see what has happened to date .

 

 

As for not providing statements , if you used our template letter then you never asked for them but a list of transactions , that you recieved .If you look on the internet banking then you can see if the missing dates had any charges .If they did then let us know and we will advise you further

 

As for the court , then you know it's in the system so yes it's just a waiting game now .

When you want to fool the world, tell the truth. :D

Advice & opinions of Janet-M are offered informally, without prejudice & without liability. Use your own judgment. Seek advice of a qualified insured professional if you have any

doubts.

Link to post
Share on other sites

thanks mjanet

 

I used the template letter and so, agreed, didn't ask for statements. To be honest I just don't believe there were no charges in that almost two year period. This Lloyds account was closed last year so no internet access. Not really sure what to do about it ?

Link to post
Share on other sites

  • 2 months later...

Well. reallu really nervous now

 

We're in Court this Friday. Have heard absolutely nothing from Lloyds ...... deadly silence.

 

So maybe O/H is the guinea pig. Gawd, I hope not.

 

Surely Lloyds wouldn't leave it this late to settle if they weren't intending to go all the way.

 

Please give me some hope people ....

Link to post
Share on other sites

Hi weststreet. I'll bring your situation to the attention of the Mods, and see if we can get you some detailed help. Have you begun preparing your case and reading up the documents, things like the Court Bundle over in the Bank Templates Library?

 

Edit: What adamski says is probably correct, however don't go haring in unprepared!

reload vs Lloyds - £2703.11 Settlement Reached 14/07/06.

reload vs Lloyds Round 2 - Prelim sent 27/03/07. £435 owed.

reload vs Capital One - £456.57 Settlement Reached 14/07/06.

reload's mum vs Barclays - £745 owed. £375 partial settlement reached 17/10/06.

Lloyds Bank - The Template Response Letters!

 

Advice & opinions of reload are offered informally, without prejudice and without liability. Please use your own judgment. Seek advice of a qualified insured professional if you have any doubts.

Link to post
Share on other sites

thanks adamski & reload

 

I've started the preparation but will have to really do some heavy duty time on it tomorrow. Feel totally unprepared and out of my league. This is O/H's action but I've driven it. Can I speak/represent him in Court ? He's gone along with this because I've done all the work and will be in Court ie prepared to do his bit, but he'd admit he'll be useless at speaking up.

 

Could it be that SCM are too slow responding ? We've been given a very quick date by Court. The Court initially screwed up the date ie they notified us on 17/08 that case was to be heard on 09/08. Then 'lost' the case. So this is a two week window ie court 2 weeks after notification.

 

I'm scared to death ...........

Link to post
Share on other sites

style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 6446 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

Guest
This topic is now closed to further replies.
  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...