Jump to content


  • Tweets

  • Posts

    • Thank you everyone!  thought to share some points from my experience in court today that may help others who are taking Evri to court: The judge sets out how the hearing will go and how each party should behave; while i was certainly feeling anxious/nervous ahead of the hearing (and I'm sure @jk2054 may have also observed this), the judge really does try to put any non-legal persons at ease; refrain from talking to the other party and instead speak to the judge if you have any questions/responses; the judge and the advocate spoke about tort of negligence - i wasn't sure how this applied to my case but the judge was questionning the advocate about this so i chose to stay out of this; the judge made reference to a historical case of Donaghue v Stevenson which established a duty of care; the judge observed that some of the points in Evri's witness statement by george wood needed cross examination but george was not present today for questionning; While i was claiming 8% interest, the judge pointed out that is the upper limit and that today, savings accounts give 4-5%. I therefore opted for 5% interest which was agreed to by the judge and the advocate; above all else, ensure you know your court bundle and have any notes to help you refer to specific sections - it helped me to structure my answers to the judge/defendant's queries, and point to specific evidence where i was asked to prove e.g., the value of the item. @honeybee13 - yes, will confirm when payment is received. I have emailed the Evri.claims email with my bank details and also provided them after the hearing to the advocate. @BankFodder message received and i am replying to it
    • Looks promising then.  Well done   Dx
    • So a little update.  I sent a complaint to ico and have heard nothing. I just got the general reply email and that's it.  Sat twiddling my thumbs and thought about what I should do next. I searched for the CEO of Studio but then found that he'd left so as keep getting letters from studio about the arrears etc. I thought I'd email the David Twigg. Sent him all the bumpft and a copy of my original complaint and sars request.  Got no response. So didn't know what else to do. Then I thought I'd try through the financial difficulties option on the online form. One last try before I just give up and let them default me.  Then on the 5th June. I got an email from their customer services. That the items that had gone AWOL have all been cancelled. Nothing else on that email, so I had a look in an email account that I don't use anymore and there was an email from the customer service.  That they were sorry for the problems I've had for the last 9 months. That the sars info was emailed to me on 14/04, it wasn't I've kept all spam and deleted emails on that account, they have raised a complaint with their studio pay team regarding the issues, balance dispute, fee's and my credit file. They are hoping to resolve in 3 days but they have upto 56. They also said in regards to my other issues I have to raise a complaint with studio retail but haven't told me how I do that.  The sars info only goes upto the end of December 2023. It has my previous complaints on there but nothing after so I don't know how I get hold of that information. Luckily I've kept copies of every time I've contacted them. Every web chat or social media contact.  Apologies for the extremely long post but I wanted to add everything I could just incase.  I have checked my account balance and it's still minus 900 odd pounds but I'll keep checking to see if it's all cleared and on my credit file.  I'm hoping this is the end of the whole debacle and they close my account because I never want to do this again. Although it's been a learning experience.  Thanks to dx100uk for pointing me in the right direction. Much appreciated.   
    • Fraudsters copy the details of firms we authorise to try and convince people that their firm is genuine. Find out why you shouldn’t deal with this clone firm.View the full article
    • If you want to cause DCBL trouble, then complain to the SRA.  It would be even more fun if mystic_bertie would complain at the same time, to show the SRA there is a pattern.
  • Recommended Topics

  • Our picks

    • If you are buying a used car – you need to read this survival guide.
        • Like
      • 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
        • Like
      • 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

Backdoor CCJ Erudio/Drydens - old SLC Loans - successful set a side- *** Claim Struck Out failing to comply with court directions*** Now New Claim 2023***2nd Claim Discontinued***


iabb
style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 387 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

From the parts uploaded looks okay but cant see the statement in its entirety...did you include a statement that the claimant has failed to comply with the courts directions ?

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

If you want advice on your Topic please PM me a link to your thread

Link to post
Share on other sites

Second attachment ?   Your point 5 refers to submitting  a further defence ?

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

If you want advice on your Topic please PM me a link to your thread

Link to post
Share on other sites

  • 1 month later...
  • AndyOrch changed the title to Erudio/Drydens successful set a side- now defence *** Claim Struck Out ***

Thread title updated.....yes please expand.

 

Andy

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

If you want advice on your Topic please PM me a link to your thread

Link to post
Share on other sites

Hi all

 

so in the weeks coming up to the hearing I chased the court regularly for updates, as they hadn’t sent any of the documents the court order set out or sent a witness statement. 

 

I half hoped they had decided to let it go unrepreesented but surely enough they had instructed  a solicitor who was there complete with witness statement and all documents! 

 

Winness statement hadnt been prepared until day before the hearing and court didn’t have anything on file either, but judge allowed oral representations for relief to allow the evidence to be included or failing that an adjournment to allow me to consider the evidence

 

i was allowed to make representations against the application, so I drew the Judges attention to the specific paragraphs in the directions that they had failed to comply with, said I had complied with everything the court requested and asked him to strike out.

 

he sent us both out to deliberate and when we came back he summed up by saying they complied with the directions to pay the hearing fee so knew about the rest of it,

 

wouldn’t allow me to be blindsided by evidence on the day, and wouldn’t waste any more of the courts time by adjourning and relisting - so struck their claim out with costs for me for the day off! 

 

Not such a scary process thanks to the help and advice I got on here before hand! 

 

Thanks all xx

Link to post
Share on other sites

thanks.

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

  • dx100uk changed the title to Backdoor CCJ Erudio/Drydens - old SLC Loans - successful set a side- now defence *** Claim Struck Out was SB'd***
  • 1 year later...

Hi Guys

 

This forum was immensely helpful in helping me set aside, then strike out a back door CCJ and subsequent claim proceedings in 2019 brought by Drysdens on behalf of erudio.

 

However this weekend I received a new claim form from Northampton and they are attempting to pursue the same debt through the court route again! 
 

has anyone had any experience of this?

Link to post
Share on other sites

  • dx100uk changed the title to Backdoor CCJ Erudio/Drydens - old SLC Loans - successful set a side- *** Claim Struck Out was SB'd*** Now New Claim 2023!!

threads merged

 

please complete this:

 

have you par chance a copy of the original backdoor CCJ Particulars of claim too?

 

this should be easy to resolve, might be as simple as reminding drydens of the old set aside which you won

so thus nulled that org backdoor CCJ

so the statute barred clock would have resumed so now most def 6yrs has elapsed since last payment or deferment!!

 

it could be they are hoping you'd moved

 

but get the details up and that old POC please

 

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

Thanks DX, I don’t have the original POC. I never got the claim as it was issued to an old address, but will get the new one on and the questionnaire completed in the morning. 
 

I have already lodged a formal complaint with the fleecers today, but it can apparently take 8 weeks to be looked at, and I know I don’t have that long to respond to the court paperwork. Needless to say I will be defending! 

Link to post
Share on other sites

i wish you'd stop jumping the gun and doing things without checking here first

 

this was one of your pitfalls from day one on this claim.

 

ASK CHECK DO. :frusty:

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

Got it! I won’t do anything else I promise, I just tried to remind them and give them the opportunity to do the right thing, they just told me to defend! I cannot believe regulated bodies can do this sort of thing

Link to post
Share on other sites

who's regulated?

these are debt collectors and their wolves.

the biggest financial sector outside of banks themselves...WHY???...

 

the only people that can ever regulate them are joe public by STOPPING ALL PAYMENTS TO EVERY DCA.

 

their industry would collapse over night

 

but sadly  joe public are just plain STUPID and think a DCa is a BAILIFF so blindly pay.

just like they think a private parking company can issue FINES..

 

 

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

you are merely a line in a spreadsheet which is automatically actioned by their threat-o-gram PC hooping to scare mugs into paying and wetting themselves.

std practice across the industry since the mid 70's.

 

get that sticky done stop prevaricating.

 

 

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

Which Court have you received the claim from ? CCBC Northampton

 

MCOL Northampton N1

 

If possible please scan redact and upload a full page copy of page 1 of the claim form. (not the response page or AOS)

 

 

Name of the Claimant ? Erudio student loans LTD

 

Date of issue – top right hand corner of the claim form – this in order to establish the time line you need to adhere to. 4th April 2023

 

 

Particulars of Claim

 

What is the claim for – the reason they have issued the claim? Please type out their particulars of claim in full (verbatim) less any identifiable data and round the amounts up/down. state how many digits the account number has..

Give answer here

 

1.claimant claims £2100 for monies due from the defendant 

2 debt was pursuant to regulated agreement between defendant and student loans company ltd. Each agreement has individual account no xxxxxx

3. The defendant failed to make payments as per the terms resulting in the agreement being terminated. Notice of such is served by default or termination notice, subject to the terms of the agreements.

4. The debt was assigned to the claimant on 22/11/20 13, with a notice provided to the defendant. A new master reference number XXX who is also applied on assignment.

5. The claimant has complied with the pre-action protocol for debt claims

 

What is the total value of the claim? £2100
 

Have you received prior notice of a claim being issued pursuant to paragraph 3 of the PAPDC (Pre Action Protocol) ? Not sure
 

Have you changed your address since the time at which the debt referred to in the claim was allegedly incurred? Yes
 

Did you inform the claimant of your change of address? Yes, previous judgement in default set aside on this basis

Is the claim for - a Bank Account (Overdraft) or credit card or loan or catalogue or mobile phone account? student loan
 

When did you enter into the original agreement before or after April 2007 ? Before, 1998/1999
 

Do you recall how you entered into the agreement...On line /In branch/By post ? By post
 

Is the debt showing on your credit reference files (Experian/Equifax /Etc...) ? No

 

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. Assigned
 

Were you aware the account had been assigned – did you receive a Notice of Assignment? Yes, from previous Cc action

 

Did you receive a Default Notice from the original creditor? No
 

Have you been receiving statutory notices headed “Notice of Sums in Arrears”  or " Notice of Arrears "– at least once a year ? Since the previous court action 
 

Why did you cease payments? 2012/13
 

What was the date of your last payment? As above, possibly September 2013
 

Was there a dispute with the original creditor that remains unresolved? Claim previously struck out in 2019
 

Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan? No 
 

Link to post
Share on other sites

pop up on the MCOL website detailed on the claimform.
[if mcol is not working return after the w/end or the next day if week time]
.
 register as an individual on the Gov't Gateway Site
Go to HMRC's login page.
Click the GREEN sign in button.
Click “Create sign in details”
Enter your email address where asked.
You will now be emailed a confirmation code. ...
You will now be issued with a User ID for your government gateway account.
 note down your details inc the long gateway number given, you might need it later.
 then log in to the MCOL Website
.
 select respond to a claim and select the start AOS box.
.
 then using the details required from the claimform
.
 defend all
 leave jurisdiction unticked
 you DO NOT file a defence at this time
[BUT you MUST file a defence regardless by day 33 ]
click thru to the end
confirm and exit MCOL.
..
get a CCA Request running to the claimant

.

https://www.consumeractiongroup.co.uk/topic/332502-cca-request-consumer-credit-act-1974-updated-january-2015/

..

Leave the £1 PO unsigned and uncrossed

.

get a CPR  31:14  request running to the solicitors [if one is not listed send to the claimant]
...
.[use our other CPR letter if the claim is for an OD or Telecom Debt]
.

https://www.consumeractiongroup.co.uk/topic/332546-legal-cpr-3114-request-request-for-information-when-a-claim-has-been-issued/

.

on BOTH type your name ONLY
Do Not sign anything
.do not ever use or give an email
.
you DO NOT await the return of ANY paperwork 
you MUST file a defence regardless by day 33 from the date on the claimform [1 in the count]

..............


 

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

probably Res Judicata would apply here and a defence would have to be specifically drafted to challenge the claim

thats for @Andyorch's help later.

 

 

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

All done. Defence needs to be served by 28th April, technically 1st May but I’m going into hospital then. Is there a Res judicata defence you could link me to? Not much I can find on search. Thanks all 

Link to post
Share on other sites

@Andyorch will sort you 

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

+10 days yet.

we are voluntary

we dont get paid.

 

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

I know, just thought it would be courtesy to ask Andy myself. I really appreciate any advice I’m given and am happy to do some leg work to pull stuff together as well 😊

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...