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    • Apologies dx100uk  I did not put the answers in red  Thank you all for your patience. H
    • Which Court have you received the claim from ? Northampton  Name of the Claimant ? Overdales solicitors  How many defendant's  joint or self ?  Self Date of issue – top right hand corner of the claim form – this in order to establish the time line you need to adhere to.  13 may 2024 What is the claim for – the reason they have issued the claim? the claim is for the sum of £6163.61due by the defendant under an agreement regulated by the consumer credit act 1974 for hsbc uk bank plc. Account 4546384809766042. The defendant faild to maintain contractual payments required by the agreement and a default notice was served under s 87(1)  of the consumer credit act 1974 which as not been compiled with. The dbt was legally assigned to the Claimant on 23/08/23, notice on which as been given to the defendant.  The claim includes statutory interest under S.69 of the county courts act 1984 at a rate of 8% per annum from the date of assignment to the date of issue of these proceedings in the sum of £117.53 the Claimant claims the sum of £6281.14. Have you received prior notice of a claim being issued pursuant to paragraph 3 of the PAPDC (Pre Action Protocol) ?   Not to my knowledge. Have you changed your address since the time at which the debt referred to in the claim was allegedly incurred?  No Do you recall how you entered into the agreement...On line /In branch/By post ?  Online but it was for a smaller amount they kept on increasing this with me asking 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.  It was assigned to a debt collection agency  Were you aware the account had been assigned – did you receive a Notice of Assignment? yes  Did you receive a Default Notice from the original creditor?  Yes I also made offers to pay original creditor a smaller amount but was not replied to Have you been receiving statutory notices headed “Notice of Sums in Arrears”  or " Notice of Arrears "– at least once a year ?  No Why did you cease payments? I was made redundant and got a less paid job I also spent some time on furlough during covid and spent some 3 months on ssp off work. What was the date of your last payment?  May 2021 Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan? Yes at the time I communicated with all my creditor's that I was running out of funds to pay the original agreements once my redundancy money ran out that was when my accounts defaulted. I then wrote to all my creditor's with pro rata offers of payments but debt collectors took over the accounts.
    • Just an update for all. I received about a letter every other week, increasing in threat levels. Then I hadn't had one for a about two weeks, then Saturday received a carbon copy of the very first letter they sent me in February. Made me laugh, rinse and repeat. 
    • So, your response was not received by the SCP as you did not send it with a valid stamp. Therefore, from my two option in post #14, the first option is the only one available to you, but you do not have the option of asking to be sentenced at the fixed penalty level as the reason the SCP did not receive your response was down to you. Here's a reminder of what to do: Respond to the SJPN by pleading “Not Guilty” to both charges. In the “Reasons for pleading Not Guilty” box state that you are willing to plead guilty to the speeding charge providing, and only providing, the “Fail to Provide Driver's Details" (FtP) charge is dropped. This is a tried and tested method to deal with your problem and is almost always successful. Before the pandemic it was necessary to attend court to do this "deal" because it needs the agreement of the police prosecutor.. During the pandemic courts made every effort to have as few  people as possible attend and they began doing this deal under the "Single Justice" procedure without the defendant's attendance. Some courts have carried this procedure on whilst others have reverted to a personal attendance being necessary. If you are required to attend, your case will be taken out of the SJ procedure and you will be given a date for a hearing in the normal Magistrates' Court. If that is the way they do it in the area involved you will have to attend, see the prosecutor and offer your "deal" in person. 
    • what device are you using? copy all the questions then come here to this thread and paste them. then answer each question click on red give answers here. when done  hit submit reply bottom right.  
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Evri Court Claim - Lost Parcel worth £123 **SETTLED BEFORE COURT FULL AMOUNT+FEES**

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Hi Everyone,

I'm currently going through the process of the court claim for Evri (and i'm very grateful for this forum!). Quick background but it's pretty standard to all the others on here -

- Evri lost a parcel containing a ring sold on ebay for £123
- Evri arguing that they don't owe the value because I didn't purchase additional insurance
- This one was directly through Evri (no 3rd party)

I've read up a lot and understand all the arguments. My confusion however is the difference between the witness statement and the skeleton argument - and when to share what.

I'm at the stage now where the court want the following -

Send all of the documents that are relevant to your case to the court at the above address, also send them to the other side. Both parties must do this.These documents should be placed in date order and should be numbered in the bottom right hand corner. You should include the following documents if available:  A copy of the contract/agreement  Relevant correspondence, including text messages and emails

Send to the court and send to the other party your own witness statement and also witness statements from anyone who can give Before 4pm 26 June 2023 Page 1 of 2 relevant evidence about your case. Both parties must do this. A witness statement must  have the court case number at the top  start with the witness’ name and address  it must contain numbered paragraphs and should be typed and double spaced. If not typed, it must be written clearly in block capitals or printed.  finish with the words “I believe the facts set out above to be 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”, the date of the statement and the person’s signature. The original statement must be sent to the court and copies must be sent to the other side.

I've already created my skeleton argument and court bundle but this is not the stage for that I think? So I've just created this witness statement based on a previous one on here, but it doesn't feel enough (especially compared with the skeleton which breaks down everything and there insurance argument). Could someone have a quick look and let me know (I've removed any personal identification for this copy).

Also for a side note that I didn't realise when I submitted the claim. The ring sold for £123 (and I have the proof of this from ebay), this is the amount I opened the claim for plus postage cost and court costs. However, what I didn't realise is that when I did post it I put the value as £120. I know its only £3 difference as at the time I probably just rounded it - any advise on what to do here? Hopefully they won't look at this different because of that value difference?

Thanks all for your help! Really appreciate is.

Witness Statement - Forum.docx

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Hello, welcome to CAG.


I'm copying and pasting this from another thread that was started earlier, from BankFodder.

Please will you post up your claim form in PDF format and also their defence.

Cover up your name and address to keep this anonymous for you.

Best, HB


  • Thanks 1

Illegitimi non carborundum




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just exchange WS's by the allotted time

hold your skeleton for 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... 

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  • 4 weeks later...

Update for anyone interested - Evri have offered to pay the full amount.

Today (before the court dates even been set) Evri emailed saying as a gesture of good will they’ll pay £127.39 - the value of the package plus postage.

I immediately turned them down stating I was looking for court fees as well. Within a hour they came back with the full amount 🎉.

I wasn’t expecting not to hear anything from them until we had a court date set and close to that day, so this was a good surprise today.

Happy to help others in similar positions with Evri if you need it!

Edited by Jam1313
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well done!

please remember to donate if you can.

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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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  • dx100uk changed the title to Evri Court Claim - Lost Parcel worth £123 **SETTLED BEFORE COURT FULL AMOUNT+FEES**
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