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    • You have not been allowed the statuary 7 days to prepare or submit your statement as you only only received the notice of hearing on Saturday   Example   Erudio Student Loans Limited V XXXX Claim No: XXXXX Witness Statement in response to the claimants application It is respectfully requested that the court allow this statement as evidence in response as I was only informed of the hearing date on Saturday 11th May 2024 and therefore denied 7 days to respond. I, xxxxxxx being the Defendant in this case will state as follows; I make this Witness Statement to oppose the claimant application dated 25/04/23 to lift the stay and Strike Out Defence/Summary Judgment pursuant to CPR 24.5 (1) a & b in view of my defence submitted to the claim dated 06/07/22. The Claimant confirms that this claim issued through Northampton County Court Business Centre on 15/03/22 and remained stayed since. I will respond to the same numbered paragraphs as the claimant’s statement as follows: 1. The claimants witness statement opening paragraph confirms that it mostly relies on hearsay evidence as confirmed by the draft’s person in the opening paragraph. It is my understanding that they must serve notice to any hearsay evidence pursuant to CPR 33.2(1)(B) (notice of intention to rely on hearsay evidence) and Section 2 (1) (A) of the Civil Evidence Act and also be in attendance at hearing to give evidence in support of the claimant’s witness statement. 2. As an assignee or creditor as defined in section 189 of the CCA this applies to this new requirement on assignment of rights. This means that when an assignee purchases debts (or otherwise acquires rights under a credit agreement) it also acquires certain obligations to the borrower including the duty to comply with CCA requirements (such as the rules on statements and notices and other post-contractual information). The assignee becomes the creditor under the agreement. This ensures that essential consumer protections under the CCA cannot be circumvented by assigning the debt to a third party.  Background Insert your pars here   Defendants Response to claimants claim/ Application Insert your points here  Conclusion Insert your points here but finish with the following. 16.  In view of the information set out above I respectfully submit to the court that the claimant’s application be denied. The claim remains stayed until such time the claimant can comply with section 77 of the CCA1974 or in the absence of that compliance strike out the claimant claim and dismiss the claim in its entirety. The claimant has failed to evidence and justify its application to dispose of this claim without a trial where a claim or issue or a defence to a claim or issue has no real prospect of success and there is no other compelling reason for a trial. (CPR 24.2)     Statement of truth I, XXXXXXX defendant, believe the facts stated in this witness statement are true. I understand that proceedings for contempt of Court may be brought against anyone who makes, or causes to be made, a false statement in a document verified by a statement of truth without an honest belief in its truth.   Signed:  Print Name: Dated:
    • Thank you @BankFodder. Apologies for not being clear. Here are some further details that might help clarify: The item in question is a replica of a movie prop. I build highly accurate movie props as a hobby and these items are machined by enthusiasts in very small runs (50-100) and once they're gone, they're gone. I missed out on one of these runs but a friend from the community had purchased two and decided he only needed one so offered to sell me his other one. I bought the replica prop from him and asked him to send it to my Stackry address in USA. He is based in USA and I am based in the UK. Had he shipped it directly to me in the UK, due to the size and weight, the shipping would have been expensive. Stackry is a service in the USA that has access to cheaper couriers. I have used it many times before without any issues. I simply sign in to my account when they notify me the package is received, fill out the customs form, and select my home address in the UK, select one of the couriers after receiveing a quote based on size and weight and pay the shipping fee. On this occasion I chose GlobalDirect. I had no idea the item would be handed over to Evri on arrival to the UK. The initial tracking was with DHL e-commerce. The second tracking number on arrival to the UK was with Evri. It was Evri who lost the parcel through negligence. Below is a complete timeline of events. The item made its journey from my friend in the USA to Stackry, USA without any problems. I was notified when the package was received. The item also made its journey via DHL/Global Mail Direct from the USA to the UK without any issues. The problem happened in the UK, with Evri.   I did not take out insurance. The price of the item was £185.01 Shipping from Stackry, USA to my home address in the UK with Global Mail Direct was £17.87. Total £202.88.  The letter of claim is below. The 14 days is not up yet but I have every intention on following through. I have no priror experience with this which is why I came here for advice, but I have found the online claim form on Gov.UK and intend to start there.   TIMELINE:   Item purchased from individual in USA on 26/3/24. Payment made by PayPal. Item shipped to Stackry, USA on the same day. Item advised received by Stackry on 29/3/24. Redirected by myself to my UK home address on the same day. Payment made and selected Global Mail Direct as the courier of choice. Tracking number generated for DHL e-commerce 02/04/24: arrived to the UK and cleared customs 03/04/24: processed at local distribution centre, forwarded to delivery agent (Evri) - new tracking number generated 06/04/24: marked”out for delivery” at 08:52. No delivery attempt made all day. At 21:21 marked “on its way back to sender”.  09/04/24: no further updates since “there’s an issue with your parcel. Contact the sender”. Customer support contact via email almost on a daily basis from 08/04/24 to 23/04/24 to no avail. Letter before claim sent on 03/05/24.   03/05/2024   Letter before small claims court claim   EVRi Parcelnet Limited Capitol House 1 Capitol Close Morley Leeds LS27 0WH   Dear Sirs   Reference: Parcel with the tracking number H01PQD0027409372 / H01PQA0027204793 lost by EVRi   As it has not been possible to resolve this matter amicably, and it is apparent that court action may be necessary, I write in compliance with the Practice Direction on Pre-Action Conduct.   I have been in contact with customer support numerous times since 08/04/2024. Your driver marked the item “Returning to sender” without a valid attempt at delivery. The package is since then stuck in limbo with no further tracking updates, and as of today 03/05/2024 still says “on its way back to sender”. I have spoken to your representatives many times and they did not offer any help trying to track down the missing parcel or offer me any option for compensation. I have explained that I am both the sender and the recipient, and I am therefore within my rights to claim compensation for this missing item. I have full records of the item from the point of purchase, to its journey with DHL in the USA, and with EVRi in the UK, until it was lost in the system. The value of the item including shipping is £202.88.   From you I am claiming £202.88 paid in full to compensate the price of the item (£185.01) plus international shipping (£17.87).    Listed below are the documents on which I intend to rely in my claim against you: Screenshots of transaction made with the original seller of the item, including photographs of the item and Paypal transaction. Screenshots of the item received by Stackry in the USA and shipping cost via Global Mail Direct to my address in the UK. Screenshots of tracking with DHL Screenshots of tracking with EVRi Email correspondence with various customer support members at EVRi     I can confirm that I would be agreeable to mediation and would consider any other system of Alternative Dispute Resolution (ADR) in order to avoid the need for this matter to be resolved by the courts.  I would invite you to put forward any proposals in this regard.  In closing, I would draw your attention to paragraphs 15 and 16 of the Practice Direction which gives the courts the power to impose sanctions on the parties if they fail to comply with the direction including failing to respond to this letter before claim.  I look forward to hearing from you within the next 14 days. Should I not receive a response to my letter within this time frame then I anticipate that court action will be commenced with no further reference to you.    
    • Hi All, Just a quick update...........nothing to report - no contact from ParkingEye or BPA as yet. I am sending a complaint to the ICO today as suggested as the others have had more than enough time to at least acknowledge receipt of my requests / complaints.   Thanks to all. T.
    • Dear (insert Name) Will you please confirm in writing payment of £xxxxxx is accepted as full and final payment of rent arrears for commercial lease (insert dates) for rental on  property (insert address) and please provide a receipt of payment. Yours Sincerely 
    • When you get chance please upload a redacted copy of the agreement and also this termination notice included within the LBC.
  • Our picks

    • If you are buying a used car – you need to read this survival guide.
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    • 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
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Omg!!! It's In My Account **i Won**


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Hi there! Got the exact same defense from Lloyds. Even though I did provide details same as you, if you follow Diane Harris thread you will see the replies I got, basically ignore it! There is some useful information posted in my replies as to what to put on the allocation questionaire. Good luck. I was in a right panic till I got some replies but feeling more confident again now. I did forget to put the bank account number on the online claim but this shouldnt make any difference as it was on the schedule of charges I sent to the court and to the bank previously. Let me know how you get on.

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The correct information for making a solid claim is on this site, you will need to do a lot of reading and self help.

It will cost you £35 to adjust your claims.

There is enough information on this site to have completed your claims accurately to be accepted by the defendant.

The wording is supplied on here for the POC for MCOL or An N11 form. Both pieces fit in to each section and all you needed to do was adjust your own details.

 

Have a good read of this site before considering starting action against any other claims.

BL:)

Reading through the link below is a good start.

http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/

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If you did'nt use the correct MCOL template which states the statutory and common law basis of the claim, you need an amendment.

 

If you used the template but did'nt send a schedule to MCOL, send a schedule to the court and SC&M ASAP, then use the AQ response below, but take out the bit that says you previously sent your schedule to MCOL.

 

If you used the template and sent a schedule to the MCOL court (Northampton) I would suggest responding in your AQ with this;

 

ALLOCATION QUESTIONNAIRE N149 / N150

 

 

 

 

Section G / J Other information

 

The defendant in its defence contends that this claim is not suitably particularised and the statement of claim is “embarrassing” and shows no reasonable grounds for the claim to be brought. The Claimant disagrees with this contention entirely. The claims particulars clearly state the statutory and common law provisions on which this claim relies, and the claimant will of course elaborate upon the claim particulars at such time as is required upon the direction of the court. Further, contrary to the contention of the defendant, the relevant numbers of the account in question were clearly identified in the claimant’s particulars of claim, and a full schedule of the charges which form the sum claimed from the defendant was sent to Northampton bulk court on the day of issue for inclusion alongside the claims particulars. Additionally, the defendant was served with this information on two occasions previously within a 28 day period allowed by the claimant to attempt to resolve the issue prior to the commencement of this litigation. In the interest of expediency, I have attached another copy of the schedule to this allocation questionnaire.

 

As is known to the defendant, I am a litigant in person in this case. It is respectfully submitted that the contentions of the defendant are highly likely to be an attempt to distress and intimidate, rather than presenting any valid or reasonable objections to the clarity of the Particulars of claim.

 

Follow the above with the guide notes from the templates library, ie, the request for allocation to the small claims track and for an order of standard disclosure.

 

There will not be enough room for all this on the form, so attach a seperate sheet, ensuring that your claim details are marked at the top. Also, make sure you attach a schedule too, and send a copy of the AQ and the attached sheets to SC&M.

Please remember to DONATE! Help CAG keep up the fight!

 

 

Any advice or opinion is offered informally & without liability. Use your own judgment and if in doubt seek advice of a qualified and insured professional.

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hi

ive had the same defence from lloyds and i suspect im feeling just as they wanted me to, panicky and unsure that ive done the right thing. i dont feel my claim needs to be ammended so i will send the aq back and enter the above, thanks gary, i feel much better knowing other people are getting the same response

karen

cap one - prelim letter sent 23/8 £460 owed

partial refund, now sod off letter received 6/9

lba 5/10, claim served 30th jan,

CAP ONE SETTLED IN FULL 15thTH FEB!!!

 

 

lloyds card services - prelim sent 23/8 £332 owed

sod off rerceived 25/9

lba 26/9

claim issued via mcol 13/10

awaiting papers from SC&M

court date set for 26th March

 

 

nat west - Data Protection Act sent 11/7.. non compliance.. considering court action.

non compliance letter sent 29/8 giving them a further 7 days- gave them loads more days!!

5/10 lba sent for pre action disclosure

settled in full 2.1.07

 

 

 

cahoot - Data Protection Act sent 7/8 on hold for a while

 

Tesco - prelim sent 6/10 £200 owed

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Yes, thats a standard defence, they issue that one for every MCOL claim. In some cases where the correct 'Particulars of claim' template is not used, an amendment is necessary. In most cases though, there is no need for an amendment. The MCOL template specifies the common law and statutes relied upon and is perfectly adequate. Lloyds defence is mainly an attempt to put you off, so don't let it!

Please remember to DONATE! Help CAG keep up the fight!

 

 

Any advice or opinion is offered informally & without liability. Use your own judgment and if in doubt seek advice of a qualified and insured professional.

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  • 2 weeks later...

Hi everyone, this is my first post on this forum, wish I'd discovered it sooner as I could've saved my self a bit of hassle, I filled out my claim against Lloyds TSB using Money Claim online. Nothing further has been sent by me. As you are limited to how many lines and words you can use I couldn't make my POC more detailed so would admit with hindsight that they are probably vague. I also didn't put my account number on so thats proably a double boobie on my behalf.

I've got the stock response as detailed on this thread and wonder where I go now. I'm determined not to let the bank of the hook but am finding it hard to find my way around the site. Where for example do I find the MCOL Template? What is SC&M?

 

Any help or pointers would be appreciated.

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I think I've WON! :D

 

My AQ is due back in on Friday so I rang SCM this morning to see if LTSB would be prepared to settle. I was told that he couldn't find my file but that they wouldn't settle and I should just send in the AQ.

 

Ten minutes later a copy of their AQ arrived in the post saying that they were asking for a further month so that they could attempt to settle the claim by informal discussion etc.

 

Cue me ringing back and saying wasn't this rather contradictory as that was precisely what I had just tried to do. He blethered on about how they need time to make sure that the charges are correct and that you haven't tried to claim o/draft interest (which according to him you can't claim). I told him that as an intelligent and well educated woman it was quite obvious that I had researched all my facts before starting the claim and that they had had more than enough time to check the figures.

 

At this point my file miraculously reappeared and lo and behold there was a note on the bottom of it to say they would refuld all charges but that I had to have a review meeting with the branch. I asked "does this mean they are prepared to settle the claim in full?" his answer, "yes!".

 

He said they would send a letter out in the next week but I said that if it hadn't arrived by Thursday then I would be sending the AQ in anyway. He has said they will fax it to me before that so we shall wait and see...

 

Hopefully it will all be sorted soon and a very Merry Christmas shall be had.

 

Thank you all SO MUCH for all the help and advice. If someone can tell me how to go about donating I shall be doing so as soon as I receive my money.

 

 

:D :D :D

 

P.S. here's links to my previous threads

 

http://www.consumeractiongroup.co.uk/forum/lloyds-bank/23390-katel-lloyds-tsb.html

 

http://www.consumeractiongroup.co.uk/forum/lloyds-bank/46765-ltsb-defence-can-anyone.html

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congratulations katel30uk you must be chuffed!!

The Journey So Far. . . .

28/08/06 - Data Protection letter sent

03/10/06 - Satements received

03/10/06 - Preliminary letter sent

21/10/06 - Letter Before Action sent

04/11/06 - Claim registered on MCOL

14/11/06 - Claim acknowledged

29/11/06 - Claim defended

30/11/06 - AQ completed and sent

06/12/06 - Settlement letter promised by SC&M Solicitors

08/12/06 - Full settlement offered with terms - deleted these and returned

24/12/06 - Full settlement received in my account!!

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Thanks Bookworm, makes is much easier to follow. :D

 

I feel almost sorry for SCM as I am now going to plague them until I receive the letter. If I receive the letter before AQ needs sending back (I would have to post it on Thurs) do I still need to send it back as the money probably won't have been received by then, if you see what I mean???

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HOORAY!!!!

 

I've just received the settlement letter from them by fax and they've apparently sent the original in the post. They've settled in full (plus more, further interest I presume). Apparently, once I fax back the signed offer letter they'll action it and the funds should be in my account within 5-7 working days.

 

My only concern is that the AQ is due back in on Friday, should I still go ahead and submit this just in case or are they bound by the terms of their offer letter?

 

A very :D Kate!

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They could, of course, renege on the offer and if you don't put in the AQ on time the case would be struck out and you would have to re-file. But in that case they would have a very hard time expalining away the offer letter next time round. On balance you're probably safe not returning the AQ.

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A question for those who have been succesful with their claims. I received my offer letter from SCM yesterday and have faxed it back to them this morning. They have told me that it will take a couple of days for them to get it back to LTSB and then a further 5-7 working days for funds to be allocated to my account, so in total 7-10 working days or a fortnight today.

 

She did say that this timescale is what they have been advised to say by LTSB but I wondered if anyone had received their money any sooner than this. I can't underatsnd why it takes so long?

 

Thanks K x

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