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    • Ok. Thanks.  I will put my head to this now.
    • Get a 2nd opinion ASAP. Dealerships are notorious for saying that cars need brakes/tyres when they don't. Take it to someone completely independent and get their opinion.
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    • Thank you for the response; I'm very grateful for the help and i'm open to all feedback. I'm afraid I don't understand what is meant by properly declared and valued? On the Evri app, when completing the process of sending a parcel, I did declare that I was sending a 'watch' and gave the full value of the watch (£429.99). I'm not an online seller if that helps. The parcel contained my own personal watch; a Garmin which cost £474.99 (inclusive of 'protect plus insurance' from John Lewis of £45). The £45 Protect Plus insurance from John Lewis covers the Garmin watch, and as they have lost it, it is no longer valid. So i'm adding that to the total claim.  It was a birthday gift bought for me this Jan/Feb by my partner.    Re: understanding of Parcel delivery insurance; "Part 1 Chapter 4 of the Consumer Rights Act 2015 means I have a legal right to expect that any service I’ve paid for should be carried out with reasonable care and skill". So I understood from this that I have rights under the Consumer Rights Act 2015 that protect me, regardless of not choosing to purchase their insurance protection.        
    • HI all, I work for a company who offers a review service for large companies, whereby customers can review products and/or services and the reviews appear on the companies own site My job, along with roughly 10 others, is to moderate those reviews. We're all on a zero hours contract, we do work as and when it's available. The way the system works is for every 120 reviews we moderate, we get paid the equivalent of the basic minimum wage, so £11.44 per 120 reviews. If this were a steady supply of reviews, it could be a decent income, but it's not, so you end up spending a lot of time doing nothing and not being paid for it, such is life For the last 3 months or so they've had an issue whereby a lot of reviews were duplicated up to 15 times and we were told to moderate those as we would normal reviews, You can imagine how many reviews we've been having to moderate, my moderated review count was probably around 4x the number I normally do, almost throughout the entirety of June this was going on for. being quite excited about the prospect of a boost in income, to me and other mods surprise and shock, we're not being paid for all those extra hours and work done, for the past 3 months when the issue started.. We're only being paid for the non duplicate reviews, plus 5% on top. In my case, instead of receiving around £1500ish for the month of June, I'm only receiving around £500 I mean, I get it, marking each of these duplicates was very quick/easy, as it was a repeat decision from the previous 14, but to let us do all that work and not pay us for it?
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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.

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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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What now after no more letters from Lowell?


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I sent a CCA letter to Lowell Financial on the 24th November 2006. They replyed within 10 days aknowledging the letter and said they would send proof of the debt as soon as they recieve the relevant information from their client. This was a Barclaycard debt from about 5 years ago.

 

This is now 18th January and I have never heard a thing. Considering at one point I was recieving a letter every day from them and their "legal department" Hamptons Legal. Now I hear absolutely nothing. I did pay them around 150 pounds. I am considering claiming this back as they have not presented any proof that this debt exists.

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The time to have sent the letter was before you started paying. This makes

the debt unenforceable without a Court Order.

But it does not mean that you can reclaim the money you have paid. Why?

Because for them to get the Court to agree that they have a valid claim, they

may have to produce the original agreement.

For you to get your money back, YOU have to prove that there was no debt,

not that THEY cannot prove that there is a debt.

 

Count your blessings that the harassment has stopped. I guess the postie

up there will be pleased he doesn't have to cross the Mossie bridge to you

as often now either.

 

If the debt is not that big, they may have decided to forget about it once

they were in breach of the Act. Just keep their letters in case they come back at you in the future.

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Skintand broke, It is normal to send the original creditor the S.A.R - (Subject Access Request) because you are looking to receive details of all your banking or credit card history with the company including what charges were applied to your account. This may be with a view to reclaiming the charges that were unlawful, or to ascertain if the debt has

been assigend, how much your debt was on transfer, to see if the DCA has added their own charges on top.

 

And you would send a CCA request to the DCA to confirm they had a copy of

your original agreement, confirming their right to collect the debt.

 

As you have sent an S.A.R - (Subject Access Request), they have 40 days to comply or they commit an

offence. Not sure what info you wanted from them, but if they now own the debt, they may not be too keen on admitting to an offence, so may quietly

drop your case-though they may not have decided to take such a course.

If your debt came to more than the charges you could reclaim, it might be

as well to say nothing and forget about it-but keep copies of your S.A.R - (Subject Access Request) request in case it springs back to life later.

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