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    • I'm trying to unravel this – but I get the impression that there was no contract between you and EVRi and that you didn't even choose them but instead you decided use some third party parcel broker in the USA which organised the delivery. Is this correct? EVRi came into the picture because they would then eventually selected for part of the journey although you had no knowledge that it might be them and I suppose it didn't really matter as long as the item got to you. Secondly, I really don't understand the journey which this item made. You bought the item from somebody in the USA. They then were meant to dispatch it to you to another address in the USA but for some reason or other it came to the UK and then into the hands of EVRi at which point it was lost or stolen. More confusion here because you now tell us that EVRi marked it as being out for delivery but it was never delivered. This suggests that it was going to be delivered to a UK address but earlier on you said that it was going to be delivered to USA address. I think you need to look at the story. Maybe show it to a friend of yours who is not particularly where the details and ask them if they can make head or tail of it and then come back to us with clarification so that we fully understand. Also, I think we'd like to know what the item is, how was it declared, what was the value which was declared. You said it was a valuable item because it was rare and collectable. I gather from this that it is non-fungible. We need to understand more about this. Was an insurance policy purchased to cover it during the delivery process. I understand that this rare and collectable item be valued at £200. Have evidence this value. This could become very important. Also you have given is no idea when this happened. We need to understand the full timescale. There are a number of possibilities here including the possibility of the contract action against EVRi on the basis of your third party rights or an action for negligence but we need to know far more and we need to get a story that makes sense.   Finally, I understand that you have sent the letter of claim. What did it say? How much time did you give them? What did you expect to happen as a result of the letter of claim? Whatever the answers to those questions might be, clearly you had no idea how to proceed after having sent such a letter. A letter of claim is meant to be a serious threat of some legal action if some condition which you have stipulated is not complied with. You set a deadline for compliance and at the end of that deadline you issue the court action. Clearly you are not in a position to do that so your letter of claim is a bluff and undermines your credibility and it will find its way into the EVRi wastepaper basket – if it's not there already.  
    • Good morning. I just wanted to check something please. The other side have moved slightly and negotiated a full and final offer price to end this matter. I am happy with this. However, I want to make sure this is the end of the matter and am emailing the following over to them prior to payment. Is this enough to ensure they can come back for nothing else? Thanks -------------------------------------------------- Dear Sir.   With regards your last email below.   I am pleased to agree to the full and final settlement figure given below.   Can you confirm this payment will be in full and final payment with no further claim to be brought against me in this matter?   Best regards
    • 100% sure I didn't receive it, that why my first post is with the £100 letter.
    • Engine, the technology business Starling Bank was built on, has been busy launching banks around the world, from Romania to Australia.View the full article
    • use this your WS and inc this as an exhibit off to bed now 3 nights been up till 4am aurora watching wont be on too early as it's lambing season out herding with the dog. your WS main thrust is the debt would now be SB'd , the DN was filed xxxyrs+months after it should have been thus unlawfully extending  SB date to infinity. highlight their admittance regarding errors at that time period in your 'redetermination'  paragraph. agreements unreadable. would have already been written off due to SLC age write off criteria has they not issued the claim to stop the SB clock when they had no paperwork to prove their case in the 1st place. never earned over threshold. dx       Erudio - stopped sending email deferments won at FOS DRN-4141462.pdf
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    • 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.

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      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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Mass complaint ;Add your name here if a dca has acted incorrectly with your account.


MARTIN3030
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A company called Fresh Start who I have never had any dealings with constantly calling me at work, despite me asking (and then telling) them several times to remove my details from their register. When I say I will complain they hang up.

LCS (Leeds) constantly sending me POSTCARDS stating that their representative will call at my home, despite an agreement being in place and I havent deviated from it.

Halifax bank who are charging my son an extortionate £5 a day interest for going over his overdraft, which incidently went over his overdraft due to their own charges ! Despite requesting the account and charges be frozen they have ignored his letters and still keep piling on the charges.

 

If anyone can shed any light on where to go or advice on what to do about any of the above (aside the mass complaint) Id be most grateful : )

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LOWELL AND MACKENZIE HALL MADE OVER 2O SEARCHES ON EQUFAX WITH OUT

AUTHORITY.

kEEP THIS GOING LETS HOPE SOME ONE WILL ACTUALLY TAKE NOTICE.:madgrin:

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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Good evening,

 

I can help you out with LCS they are not a firm of Solicitors, the Solicitor who 'uses' this name is a Mr R. Marr, and he is stated to be 'an employee of 1st Credit (Finance) Ltd.

 

A report to the SRA would stop Mr Marr in his tracks and a report to the OFT will do wonders - 1st Credit already on restrictions with OFT!

 

What a load of of hapless clowns.....

 

Best wishes to all as always

 

Dougal

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Name & Registered Office:

FRESH START FINANCIAL MANAGEMENT LTD

SALE POINT 126-150

WASHWAY ROAD

SALE

M33 6AG

Company No. 05437838

 

 

spacer.gifspacer.gifspacer.gifspacer.gif Status: Active

Date of Incorporation: 27/04/2005

 

Country of Origin: United Kingdom

Company Type: Private Limited Company

Nature of Business (SIC(03)):

6523 - Other financial intermediation

Accounting Reference Date: 30/06

Last Accounts Made Up To: 30/06/2010 (FULL)

Next Accounts Due: 31/03/2012

Last Return Made Up To: 27/04/2010

Next Return Due: 25/05/2011

Last Members List: 27/04/2010

Previous Names: Date of change Previous Name 10/12/2008 ADVANCED DEBT SOLUTIONS LIMITED

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I would like to add Arrow Global Ltd to this hall of shame for registering 2 alleged debts....Failed to comply with a CCA request...serious dispute letter sent...and still there 2 X defaults on my credit file without any paperwork what so ever....also the sister company Fairfax Solicitors same as last sentence...wheres my 2 X £1 PO's??? Grr

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Also we can now add Matthew, Arnold and Baldwin LLP solicitors used by a wellknown credit card company. Refusing to obey any laws or guidlelines at all, just issuing threats. About to be the subject of a complaint to the Solicitors Regulation Authority. grrrrrrrrrrrrrrrrrrr!!

 

oilyrag

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cheque centre - I owe them £500 and just cannot pay them back. they ring my employer, they ring me i have wrote to them offering a payment arrangement which thye accepted by text then they took 6 payments in one day of my debit card leaving me totally without even bus fare to get to work. i stopped that card couldnt get the money back and the latest is they have taken two payments of £5 off my sisters card, without authorisation i keep writing to them, they ignore my letters claiming they are not getting them etc. i have told them i want them to take this to court they laugh at me and try the next trick. help someone

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Evening all,

 

Speaking as an ex-policeman I could not agree more : it is blatant theft - the police will act if you approach them properly...I will be pleased to help you if you wish and can tell you how to get someone to take an interest at the police station!

 

Trading Standards and the FSA also need to be told. Note this shower are Licensed by Office of Fair Trading to carry out this business under licence number 0447202. (Not for a lot longer possibly?)

 

You will also need 'good' evidence to support your case....BUT you WILL succeed against them!

 

Best wishes to all

 

Dougal

Edited by Dougal16T
Poor spelling....again!!!
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One problem – where to start

Lots of problems with hostile DCAs who knew full well that accounts where disputed due to

 

Multiple mis selling of Payment Protection Insurance Policies

Breaches of Office of Fair Trading Debt Collection Guidelines

Harassment by 3rd Party Agencies instructed by HBOS

Breaches of Data Protection Act 1998

Breaches of Consumer Credit Act 1974

 

They breached OFT guidelines, via their aggressive collection activities and all have been reported to the regulatory authorities.

 

These are currently the DCAs who have given me trouble:

 

Cap Quest.

1st Credit.

Iqor Recovery.

Apex.

Blair Oliver and Scot (HBoS)

Credit Solutions.

Mercers.

Calders. Nelson Guest Solicitors (for hire)

Cabot.

Moorcroft

Robinson Way

Wescot.

CL Finance.

Reliable Collections (J D Williams)

Sta Graydon

 

I must have missed a few but ...

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Evening all,

 

Speaking as an ex-policeman I could not agree more : it is blatant theft - the police will act if you approach them properly...I will be pleased to help you if you wish and can tell you how to get someone to take an interest at the police station!

 

Trading Standards and the FSA also need to be told. Note this shower are Licensed by Office of Fair Trading to carry out this business under licence number 0447202. (Not for a lot longer possibly?)

 

You will also need 'good' evidence to support your case....BUT you WILL succeed against them!

 

Best wishes to all

 

Dougal

 

Thanks Dougal i am going to call in to make the complaint tomorrow

my sister is furious

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  • 2 weeks later...

Morning all,

 

The important thing to remember is this DO NOT GIVE IN TO ANY THREATS OF ACTION IN ANY FORM - ONLY A COURT CAN ORDER RECOVERY TO SETTLE DISPUTES AND EVEN THEN ONLY WHEN THAT CLAIM IS VALID IN LAW.

'THE MORE YOU STAND UP TO BULLIES THE SMALLER THEY BECOME' -[ My late mother's words not mine - but true nonetheless.]

 

In the meantime compliments of the season to all of my fellow Caggers, and here's to a very busy New Year!

 

Sincere best wishes to all,

 

Dougal

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  • 2 months later...

Scotcall...doorstep visit last night, left me a mobile number to call. Asked him who the debt belonged to "not at liberty to say" asked him what his vague threat of "they want to move it to the next stage" meant "not at liberty to say" He kept insisting I make a CREDIT CARD payment over the phone to prevent "further actions" he couldn't explain... I let him tie himself in knots for ten minutes, then emailed his head office stating the account was in dispute. They have bounced it back...

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I was being pestered by somebody a while ago - could have been Westcotts.

When they ring they say they have to go through identity checks.

I said I wouldn't divulge my personal information over the phone to a complete stranger and they had to verify their identity to me.

After a few calls they stopped calling.

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For two and a half years I have been harassed by Activ Kapital for a CC debt I know nothing about. They have failed to provide a CCA, did send an application form after a year, state they have no obligation to provide a CCA or any financial statement. They don't acknowledge that the application form is not a CCA. I have now written a complaint to the OFT. I understand the OFT issued a warning to them in December about trying to claim money in this manner. I hope they will now have their licence revoked.

pinnate

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I've just looked Aktiv Kapital up. How is it even in the slightest bit possible if these people have no CCA or anything signed ???

 

 

Good morning,

 

Can you explain this comment for our benefit? I must be very dense this morning (situation normal) but I do not see the point that you are making!

 

Kind regards to all

 

Dougal

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No problem. I'd never heard of them before so I looked them up to see what they do and was quite flabbergasted at

1) what they do

2) the scale

3 The number of complaints

and by the looks of things taking on accounts when they know there's no CCA.

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