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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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Lloyds 10yrs old CCj now sold to cabot **WRITTEN OFF**


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I have an old CCJ against me for £10k original creditor LLoyds

I never heard anything off them after the forthwith CCj was issued in 2009,

 

Late last year I got a letter to my home address from Cabot I knew what it was about, but thought they might not know about the CCJ so I sent statute barred letters and eventually got a reply with all of the CCJ info on it

 

I know it will be difficult for them to take it back to court,

The CCJ was raised  at my old home address and I still rent the property out and so have always received mail from it and it is also linked to my new address both of which have been on the CRA sites and electoral roll as lniked adresses so I have always been available.

 

Should I simply ignore the reply to the statute barred letter (there are no threats about going back to court on it) if not ignore I am unsure of how to reply 

Any assistance very much appreciated

 

Onlymeagain

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I have a feeling that the statute barred rule doesn't apply to CCJs that have already been issued but if the creditor has taken no steps to enforce the CCJ for a long time they need the permission of the court to take enforcement action.

 

So it is more than 10 years since the creditor last made contact with you about the CCJ/debt?

 

Hopefully one of the experts who knows more about it than me will be along soon.

Edited by Ethel Street
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Statute Barred does not apply with a CCJ. You will always owe it. However, after 6 years the debtor has to go back to court in order to chase it. Which almost never happens. Therefore ignore

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CrabPot would have to justify why they hadn't enforced against it and that becomes more difficult after 6 years, after 10 the iourt would have a very jaundiced view of the attempt.

We could do with some help from you.

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The bailiff: A 12th Century solution re-branded as Enforcement Agents for the 21st Century to seize and sell debtors goods as before Oh so Dickensian!

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It came off my credit file nearly 4 years ago so I've no worries there,I will ignore and take it as it comes these things dont stress me out any more. 

Just a thought doesnt the original creditor on the CCJ  have t be the one to try to enforce and Crapbots are not the original creditor

 

Thanks again peeps

onlymeagain

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just cabot trying to see if you are a mug.

 

you've sent then a letter for you new address so they can't do anything without you knowing about it anyway

 

dx

 

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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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I bet it works in a lot of cases. They probably send a 1000 letters per week. £200 on stamps and envelopes! if only 5 people pay up it makes it all worthwhile. Fortunately you found CAG and are now informed.

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:yo:

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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  • 5 months later...

Just a thought, I am now 65 and diagnosed with prostrate cancer -(no need to worry  very early very treatable).

thinking of my mortality and dying I wonder if it might crop up after my death (hopefully in many years to come)

Can they make a claim on my estate (mainly substantial insurenace poilicies), my wife and 10 YO daughter wouldnt be able to sort it out like me

Should I offer them £10 as full and final and to stop writing letters to me or tell them I am not going to pay fullstop.

 

At this time I am ignoring as there is no threat that  they are trying to come after me and with it now being 11years since ccj issued very unlikley they can come at me in any meaningful way

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1 hour ago, ohitsonlyme said:

Can they make a claim on my estate

 

not sure why you are thinking any consumer debt is payable from an estate... CCJ or not upon debt...99% die with 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... 

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2 hours ago, ohitsonlyme said:

 

Can they make a claim on my estate...

 

 

I hope the situation isn't going to arise any time soon!

 

When someone dies, their debts become a liability on their estate. The executor of the estate, or the administrator if no Will has been left, is responsible for paying any outstanding debts from the estate. If you owe a debt when you die your death does not extinguish the debt. It is still a debt of your estate. (The reverse is also true, if someone owes you money when you die they are still required to pay it to your Estate).

 

But Cabot/Lloyds have no more right to enforce the CCJ against your Estate after your death than they did before you died. They would still have to go to court and get permission to enforce it and all the advice given so far on this thread is that they would find that very hard to do. So they could not easily get the money from your Estate.

 

What I don't know though is where this would leave the Executors. In principle Executors are required to pay all debts of the estate before distributing what remains to beneficiaries. If they don't a creditor could proceed against the Executors personally. But are they required to pay a debt that they believe is unenforceable? I don't know, I've never seen any legal discussion of that situation.

 

As £10k is quite a large sum of money it might be worth you spending a bit of it to get a legal opinion from a specialist Probate solicitor on what your Executors should do if this situation arose (from the solicitor who drew up your Will?).

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Has the judgment been secured against a property ?

 

Andy

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@dx100uk

It is the 1% that I am thinking about and my wife's ability to sort things out.

I realise it is likely to be difficult to enforce but I don't want to leave any problems behind and so i was thinking of trying to get them to back off even though my current tactic is to ignore as I can handle the issues as they come along whilst I am alive!

 

@Andyorchno It is not secured in any way and all I am getting is please pay us letters  no threats CCJ is now 11 years old

 

 

@Ethel Street

I hope the situation isn't going to arise any time soon!  Me too!!

 

When someone dies, their debts become a liability on their estate. The executor of the estate, or the administrator if no Will has been left, is responsible for paying any outstanding debts from the estate. If you owe a debt when you die your death does not extinguish the debt. It is still a debt of your estate. (The reverse is also true, if someone owes you money when you die they are still required to pay it to your Estate).

 

But Cabot/Lloyds have no more right to enforce the CCJ against your Estate after your death than they did before you died. They would still have to go to court and get permission to enforce it and all the advice given so far on this thread is that they would find that very hard to do. So they could not easily get the money from your Estate.

 

What I don't know though is where this would leave the Executors. In principle Executors are required to pay all debts of the estate before distributing what remains to beneficiaries. If they don't a creditor could proceed against the Executors personally. But are they required to pay a debt that they believe is unenforceable? I don't know, I've never seen any legal discussion of that situation.  This is the bit that is interesting  and possibly problematical for my recently deceased family and something I want to avoid now rather than risc it when I am gone

 

As £10k is quite a large sum of money it might be worth you spending a bit of it to get a legal opinion from a specialist Probate solicitor on what your Executors should do if this situation arose (from the solicitor who drew up your Will?).

  Good Idea but most solicitors will tell me the same that you have highlighted that the execuotrs have a duty to reapy all debts before Beneficiaries This could have potential problems for many on this site Would this same situation apply to old non ccj unenforcable debts that we have ll "Won or believe to be SB" Our legal experts on here will have a better insight to  the situation and what our goals and pitfalls are possibly even experience of a similar situation where a member of this site has died

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Its 11yrs old

 

No one can enforce it

Its not secured.. Its dead in the water.

 

 

 

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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Quote

no It is not secured in any way and all I am getting is please pay us letters  no threats CCJ is now 11 years old

 

And you have checked with the Land Registry ?

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Given that its 11 years old and the judgment claimant has failed to do anything......no I wouldn't. With regards to other debts...not sure what you mean by " in probate " but if there is no estate then there is no pay...

We could do with some help from you.

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Any offer of F & F given the 11 years would be looked on as Christmas and they might try to "persuade" you to offer a bit more.

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 OTHERS

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

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

The bailiff: A 12th Century solution re-branded as Enforcement Agents for the 21st Century to seize and sell debtors goods as before Oh so Dickensian!

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8 hours ago, Andyorch said:

Given that its 11 years old and the judgment claimant has failed to do anything......no I wouldn't. With regards to other debts...not sure what you mean by " in probate " but if there is no estate then there is no pay...

I am likely to have a substantial estate .

Since the last recession and I lost everythiing to the banks I have built myself up again I aslo have several large insurance policies that will come into my estate.

The point I was trying to make is that if an old ccj could be clawed back by a credit cardot DCA then surely old SB debts would fall into the same category and executors would need to satisfy those too as technically they are still owed by many of us that have unenforcable CC Debts

 

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