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    • Is the letter headed Letter of Claim/before Claim or similar? If not, it sounds like more of the threatogram chain. If you're not sure, post up an anonymised copy of the letter and we'll check. HB
    • So guess what, we have received a final demand letter for £100. It states if payment is not made by 11/06 they will have no option but to forward the case to their litigation dept with a view to commence County Court Proceedings. So just wondering if anyone has any advice. Do we ignore this? or do we need to take action? Thanks 
    • hi dx, thanks for helping just re-reading everything this morning and I must have missed this one from uncle in his thread "What you should not do, is not contact the Banks and simply default on payments. "  are you in disagreement with this based on your last sentence?
    • Thanks for the reply and clarification, that might just explain why in my case contact has pretty much ceased. Though with such companies it doesn't mean they won't ever threaten to return to court as a tool to force one's hand if they feel they are not self informed on their chances etc.  But concerning how last year they tried to use the CCJ to get a charging order and the court granted an intirum order on our mortgage using the CCJ that would have been a good 2-3 months beyond the 6 years, should the court not have checked the age of the CCJ in the first case or would they always grant an interim order simply off the back of a CCJ being produced without even checking the age of it?.  Had I not defended that action at the time they may well have got a default using a CCJ older than 6 years which could be a concern going forwards. At the time when I contacted the court to question the paperwork for a final order application the clerk suggested people don't get informed when companies apply for interim charging orders, they are automatic if a claimant has a CCJ and people only get contacted once a date for a final order application goes through. kind of begs the question if such companies can continue a seemingly backdoor method to attempt default action if un-defended if the initial application doesn't need to check the age of a CCJ?.
    • Hello!  Wondering if someone can help with this.  I suspect not but worth a go.  I appreciate the "contract is with the seller" line, which is what Evri has fed me but wanted to see if someone with experience in these things could suggest anything else I could do here.  I appreciate there are many topics about lost parcels - My parcels weren't lost, until the driver walked up to my door with them and then decided to make them lost/stolen... I'll summarise what has happened.  Wednesday of last week - Evri delivery driver stole / walked off with 3 of my parcels.  -  Arrived outside my properly, took photos (3 separate photos as its 3 separate deliveries) of the tops of the parcels (pointlessly zoomed in on just the labels, couldn't see anything else, other than a small piece of the pavement and a little weed, which doubly confirms it was outside my door as I can see the same plant), marked the order as delivered and walked off with them.  He's marked on the Evri GPS marked that he was outside.   -  3 different deliveries, from the same company (same boxes etc.), but 3 separate tracking numbers. -  Went through the Evri bot which opened a case on each tracking number.  I then phoned them and left a voicemail explaining what had happened. -  24 hours later had a canned response asking me if the packages had turned up and to check around etc..  I responded explaining again what happened and that they've definitely been taken. -  4 days later,  this morning, I get a response telling me to ask the merchant to refund me. I've responded to this message with a long email, repeating what I said, that I believe the driver has stolen these packages and that he took those suspicious top down shots of the packages, marked them as delivered without ringing or knocking etc.  I've said that I expect them to investigate further, but I gather they won't. In my several messages to them initially and later, I told them I don't care about a refund and wanted the parcels.  They contain some sentimental stuff, nothing of high monetary value, hence me going to this trouble.  I only paid £25 for the contents. I did contact the merchant when this first happened and they asked me to wait a few days.  They ended up refunding me despite me asking them not to and that I wanted them to escalate it with Evri because this appears to be a case of theft.  They didn't seem bothered - Refunded me and told me to go back to Evri and escalate it with them? So - Is there any way to compel Evri to conduct a proper investigation with this driver?  Search for my parcels? I have quite a lot of deliveries handled by Evri (not out of choice) - They used to have a fantastic chap and I rarely had any issues.  He has been replaced by a new guy and I believe the route is handled by this same guy who I believe has taken my packages.  Naturally, I fear this is going to happen again in the future if no investigation occurs. Appreciate any assistance - Thanks for reading. Al.  
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Purplefairy V Abbey/Heatons


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:( I wrote to Abbey on the 29th December asking for 6 years worth of statements. I started receiving statement last Friday 1 per envlope going back to April 06, is this normal? At this rate it is going to take 6 years to get all my statements and cost Abbey a fortune in envlopes and postage....
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I wrote asking for statements on 28th Dec and on 22nd January received 12 months all in seperate envelopes then on 24th a letter saying the previous 5 years were on microfiche and they would follow. I phoned and asked how long they would be and was told at least 12 weeks! On Saturday 27th I got all of outstanding statements(although in a different form) in one envelope!!! They received my letter on 2nd Jan so they managed to get them to me in 25 days. Although they are obviously unaware that this is possible! So you never know maybe tomorrow.....

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Help!!!!! My account with Abbey has been with Heatons for a few months, I am paying off a £2k overdraft and there is £400 or so left to pay. I called them this morning to pay my usual payment and as it was 2 days late (Natwest debit card was lost and i have only just received a replacement), i was told that county court claim forms have been issued. I am now unsure as to what to do as i am still waiting for the snail like Abbey to produce my 6 years statements and i am really aware now that court costs etc will be added to my debt. What action do i now need to take???? HELP!!!

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Help!!!!! My account with Abbey has been with Heatons for a few months, I am paying off a £2k overdraft and there is £400 or so left to pay. I called them this morning to pay my usual payment and as it was 2 days late (NatWest debit card was lost and i have only just received a replacement), i was told that county court claim forms have been issued. I am now unsure as to what to do as i am still waiting for the snail like Abbey to produce my 6 years statements and i am really aware now that court costs etc will be added to my debt. What action do i now need to take???? HELP!!!

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Thanks for replying, I didn't think anyone was responding which is why i added another thread with a different title. Sorry.

 

I have just called Heatons asking them to clarify a couple of points for my information. Abbey still own the debt, the claim was filed today 31st Jan. £90 has been added to the overall debt of £472.00. I pay Heatons direct with my debit card. I am expecting the claim forms tomorrow or Friday. I also called Abbey complaints dept to find out where my statements are and a request was put in to Bradford on the 18th so i was told i should expect them in the next few days. If the debt is in dispute (as i am sure the charges far out weight what i owe to Abbey) can i still get a ccj?

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bit of advice from someone who knows this stuff, they may not have really used a claim. Keep you payments up, and if they have bargain they started the court progress for you. win win if you ask me

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I helped with a claim just like this before, it was a simple one I'll find the thread as I was very detailed in what to do.

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Claim forms arrived this morning, as well as 6 years of statements from Abbey!!!! If i decide to counter claim do i go straight to the court bit or do i need to tell Abbey how much i want to claim for and issue a prelim letter? The total cost they are claiming for is £542.04.

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Particulars of claim:

1. The claimant claims the sum of £472.59 being the balance due at this date (although not since i made a payment of 20.55) in respect of monies due under an agreement in writing and made between the Claimant and Defendant.

 

2. The Claimant also claims interest at the rate of 8% per annum purusant to section 69 of the Count Court Act 1984 amounting to per day

 

3. Costs.

 

This is all it says. Please can some one help with the best way to counterclaim or defend.

 

Thanks.

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you want to make a counterclaim not a defence, your not defending the money is outstanding as it is and as such is indefensible, what you are doing is making a counterclaim to the sum of the penalty bank charges.

 

To save a CCJ this would mean that if they are claiming £500 and you counterclaim for the penalty bank charges at £450 the CCJ would be for £50 although the same works in reverse if the couterclaim is for £550 there would be no CCJ issued and you would get a chq for £50.

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I have sent both Abbey and heatons a schedule and lba. I thought i would give them a chance to respond before i counterclaim against the judgement they want to impose on me. I have sent my acknowledgment of service to the court and now have until 5th March. Apparently i have to submit a defence if i want to counterclaim, any ideas would be good on how to word this. I have been paying back a 2000 overdraft which abbey suddenly took off me and only have 450 outstanding, my bank charges however amount to 890.00. Can anyone help with the wording?

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  • 2 weeks later...

Thanks Karnevil, sorry i didn't respond sooner, hubby has been very sick recently. Anyway, do i counterclaim on the same form that i am defending? and then do i counterclaim the full amount or do i take off the amount that i owe them? The counterclaim fee is £80.00, but on the counterclaim bit there doesn't seem to be anywhere where i can put the particulars of claim. I have sent a lba and schedule to abbey and heatons, i wondering if i should just send a copy to equidebt as they were originally working on abbeys behalf? I have received a lovely letter from Abbey saying how sorry they are to hear that i am unhappy, and if i give them 4 weeks they will sort out my probls, by which time the 28 days (obviously) has run out.

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