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    • Unsure what would be classed as appeal I first contacted the applicant then IAS. I am not aware I could appeal again as Bank state I was informed that is news to me. I would have to look through the paper work, I apologise I forget so much due to my caring duties wish I had quality time to get so much done. Will try and look tomorrow, appreciate everyone's time and input.
    • Hi, I've been reading the invaluable advice on this forum and reading about the problems with Evri and lost delivery of items.  From what I gather the initial steps after having exhausted every's own lost item claim process is to draft a Letter of Claim, I think it is called and to register with the government Money Claims.  I have got a login for Money Claims and have made an initial stab at the letter but I'm not certain I have got it right. Am I right to assume that having exhausted Evri customer service's claims process and having received the denial of any compensation because the laptop I was sending is on the non-compensatory list that my next step would be to send the Letter of Claim to them? Let me provide some basic details which I hopefully have addressed in the letter. I purchased a laptop through Amazon.co.uk which a business in Belfast sold refurbished laptops through.  They had a 30 day money back guarantee for a full refund if you have any issues with the laptop.  I have the invoice from Amazon showing the purchase.  On 27 April, 2024 before the end of the 30 day period I used their ParcelShop (inside a Tesco) to send the laptop back and have the tracking reference mentioned in the letter.  As mentioned in the letter there was they advised they could not give me or sell me any insurance because laptops are on the non-compensatory list so I just paid the normal delivery cost.  It was scanned as leaving the ParcelShop on 29 April and the tracking has been like that ever since.  After a 28 working day Evri claim process they gave the expected response that they could not provide any compensation and simply could not proceed with my claim. I was hoping to get some advice on whether I go ahead now and email this to Customer Services straightaway and should I send a hard-copy to the Evri address as well?  Or are there any steps I have missed out on first?  I believe 14 days is the reasonable period of time for them to respond so if I were to send it tomorrow, for example 12 June then I should expect a reply by 26 June, is that correct and fair?  And assuming they don't reply with a full refund then I would then go down the government Money Claims site to proceed with that? Sorry for all the questions, I want to make sure I go about it properly.  I'll continue to read through other cases on here so I can get an even better handle on the process. I attached a LOC, happy for any edits or updates that will make it even better. Thanks so much for anyone's help! Regards, Matt Evri letter of claim.docx
    • The date was 3 June. Get on MCOL now. The legal principle is that, even if you defence is late, if the other party hasn't requested judgement, then your defence takes priority and is accepted. You might be in time. When I say now I mean now.  Recently we had someone who was nine days' late and this was pointed out to them at 5:30pm.  They faffed around till 11pm.  When they went on MCOl they saw that judgement had been entered at 7pm. Every minute is vital. File the below standard defence if you still can - 1.  The Defendant is the recorded keeper of [motor vehicle]. 2.  It is denied that the Defendant entered into a contract with the Claimant. 3.  As held by the Upper Tax Tribunal in Vehicle Control Services Limited v HMRC [2012] UKUT 129 (TCC), any contract requires offer and acceptance.  The Claimant was simply contracted by the landowner to provide car-park management services and is not capable of entering into a contract with the Defendant on its own account, as the car park is owned by and the terms of entry set by the landowner.  Accordingly, it is denied that the Claimant has authority to bring this claim.    4.  In any case it is denied that the Defendant broke the terms of a contract with the Claimant. 5.  The Claimant is attempting double recovery by adding an additional sum not included in the original offer.  6.  The Particulars of Claim is denied in its entirety.  It is denied that the Claimant is entitled to the relief claimed or any relief at all.
    • Hi friends,  I’m a bit worried I may have got confused with timings here. I thought I had 33 days from my acknowledgment to submit a defence but the date added above says 3/6/24.   have I missed the date?   if so how can I apply for an exception due to my disability and problems with deadlines and dates etc (ADHD)?   what should I submit as a defence?   I’ve had no reply from BW so far    just been back on MCOL and it says 28 days from service if I completed an acknowledgment of service so does that mean 28 days from that of acknowledgement (I.e. 16/5) which would make deadline for defence 14/6?   Thanks! Panicking here.
    • Normally we don't advise playing your cards early in a snotty letter, but as you have appealed we might as well use what you wrote in the appeal against them. There is no rush, you have until 6 July to get it to them.  See what the other regulars think too. How about something like this? -   Dear Rachael & Sean, cheers for your Letter of Claim.  I rolled around on the floor in laughter at the idea you'd actually thought I'd take such tripe seriously and would cough up! As usual you'll have been too bone idle to do any due diligence.  Had you done so you would have seen that I appealed to your client.  Indeed the driver on the day is a textbook example of having done exactly what you should do when you do not wish to be bound by the T&Cs in a private car park. Of course none of that mattered to the spivs you represent but do you really want to put such a useless case in front of a judge? To be fair, your clients are very useful members of the human race - as comedians.  How I loved the page turner of their antics at The Citrus Building in Bournemouth.  It was chuckle after chuckle reading about them, letter after letter, month after month, insisting they were legally in the right, even through someone who had done just the first day of a GCSE law course could have told them they weren't.  Until the denouement - BOOM - an absolute hammering in court.  In fact - SLAM, BANG - managing to lose twice against the same motorist for the same car park in front of two different judges. Your client can either drop their foolishness now or get yet another tolchocking* in court where I will go for an unreasonable costs order under CPR 27.14(2)(g) and spend the dosh on a nice summer holiday, while every day laughing at your clients' expense. I look forward to your deafening silence. COPIED TO COUNTRYWIDE PARKING MANAGEMENT LTD   *  This word is used under licence from Brassnecked
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      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.

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    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
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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.

      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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Halifax resident v Halifax bank


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Totally - they are making such a bit HOOHAAA out of me being in the red - but they have taken nearly £4500 of my money over the last 6 years - do you see me phoning them every hour and INSISTING that the monies be paid straigtaway????

 

Next time I speak to them, I might just ask them to confirm their:-

 

1. Company Registration Number

2. Address

3. Telephone number

4. The second and last digit of their security number (if they ask about this, I will have to take them through the whole security questionaire, and set up their own unique security number for when they call)

5. And of course if they can confirm their three last direct debits they have paid ......

 

In a perfect world, whould that not be sooooooooooooo funny .....?

 

Good luck!

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i just saw on the Moneyclaim site that the Hx have 'acknowledged' the case. no letter yet, but now they know i'm serious.

 

ps. i love the way that the debit for the Moneyclaim service shows up on your online statements - nice touch!

 

 

nice one lol

 

good luck

Halifax preliminary letter sent 17/05/06 charges £2661.00

Bog Standard blah blah blah letter received 22nd May 2006.

received lengthy letter dated 24th May 2006 offering £605 pah!

letter before action sent registered 5th June 2006

letter received in response to lba offering £1801.00 errrrr no ta

court action filed 23rd June 2006

deemed served to bank on25th June 2006

notice of acknowledgement of service has been filed

they intend to defend

7th july received letter PAYING IN FULL!!!

 

10th July cash deposit £112.58

10th July cash deposit £2869.00

:D :D :D :D

 

HALIFAX SETTLED IN FULL

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i just saw on the Moneyclaim site that the Hx have 'acknowledged' the case. no letter yet, but now they know i'm serious.

 

ps. i love the way that the debit for the Moneyclaim service shows up on your online statements - nice touch!

 

We are PMSL here at your ps

 

Best of luck we file at the court tomorrow:grin: Lets bring it on :p

:) Go on ... you know you want to click me :)

:lol:don't be like the banks - give a little back :lol:

:D There was a time before CAG but now CAG is here we are the empowered! :D

In progress:

Mechs and Mother (deceased) V Halifax - N1 form filed at Court 9 Aug 06

Advice & opinions of mechs, The Consumer Action Group and The Bank Action Group are offered informally, without prejudice & without liability. Seek advice of a qualified insured professional if you have any doubts.

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Your welcome ...... and thanks

:) Go on ... you know you want to click me :)

:lol:don't be like the banks - give a little back :lol:

:D There was a time before CAG but now CAG is here we are the empowered! :D

In progress:

Mechs and Mother (deceased) V Halifax - N1 form filed at Court 9 Aug 06

Advice & opinions of mechs, The Consumer Action Group and The Bank Action Group are offered informally, without prejudice & without liability. Seek advice of a qualified insured professional if you have any doubts.

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help!

 

progress report.. saturday, i received a letter from the Halifax stating that they were going to defend the claim, as expected.

 

BUT.. also received a letter from the NATWEST denying/refusing my application for the very basic bank account.

 

so, does anyone have any other ideas/suggestions for a bank that may accept my sorry ass for a customer?

 

also - i'm wondering is my credit rating now officially the worst it can be?! i applied to the Natwest on the advice of you good good people on this site, thinking it would be the best bet. what a loser!

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help!

 

progress report.. saturday, i received a letter from the Halifax stating that they were going to defend the claim, as expected.

 

BUT.. also received a letter from the NatWest denying/refusing my application for the very basic bank account.

 

so, does anyone have any other ideas/suggestions for a bank that may accept my sorry ass for a customer?

 

also - i'm wondering is my credit rating now officially the worst it can be?! i applied to the Natwest on the advice of you good good people on this site, thinking it would be the best bet. what a loser!

 

I dont know the answer I am afraid , my credit score is pretty low ..but we managed to get an account with the natwest.

 

Firstly I dont know about the bank that will take you on ........but I know that HSBC wont we tried them we finaly had to go for the Natwest ......but just under the wifes name.

 

If you have a partner then you could also try that ...........I did read somewhere on here about another bank that would let just about anyone have an account though not 100% sure which one something like the coop bank maybe.

 

You need to get the next one right though because everytime you apply to them they put it on your credit reference ..so it wont look good keep applying to banks and them seeing you have applied to some others.....thats what showed up on my credit reference from experian .

 

Best of luck m8

:) Go on ... you know you want to click me :)

:lol:don't be like the banks - give a little back :lol:

:D There was a time before CAG but now CAG is here we are the empowered! :D

In progress:

Mechs and Mother (deceased) V Halifax - N1 form filed at Court 9 Aug 06

Advice & opinions of mechs, The Consumer Action Group and The Bank Action Group are offered informally, without prejudice & without liability. Seek advice of a qualified insured professional if you have any doubts.

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If I were you I would get hold of my credit report and check exactly what is on it. You can do it online at www.experian.co.uk it costs £2 and as long as you are on the votors roll where you are they will email the report to you. There may be something on the report that would prevent you getting an account, it may be something that you don't know about or has been put there by mistake. Any problems just pm me.

Pam.

 

If anything I've said helps you then please feel free to tip my scales!

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Sorry justlooking .......the wife has just told me we could have opened an account with HSBC .but she decided not to because she wanted to enquire there if she had charges from a previous account .........wouldnt have looked good if she opened an account then screwed them for charges LOL .....we not sure there are any charges

:) Go on ... you know you want to click me :)

:lol:don't be like the banks - give a little back :lol:

:D There was a time before CAG but now CAG is here we are the empowered! :D

In progress:

Mechs and Mother (deceased) V Halifax - N1 form filed at Court 9 Aug 06

Advice & opinions of mechs, The Consumer Action Group and The Bank Action Group are offered informally, without prejudice & without liability. Seek advice of a qualified insured professional if you have any doubts.

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i've still heard nothing from the Halifax. my claim was 'acknowledged' on the 14th June.. it says on the Moneyclaim site that the defendant has 28 days to reply.

 

so does anybody know from their experience - do i need to worry nearer the 28 day mark about a court appearance?

 

cheers!

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If I were you I would get hold of my credit report and check exactly what is on it. You can do it online at www.experian.co.uk it costs £2 and as long as you are on the votors roll where you are they will email the report to you. There may be something on the report that would prevent you getting an account, it may be something that you don't know about or has been put there by mistake. Any problems just pm me.

Or you can go here and get it free (for a short while!).

 

If you decide to buy it (rather than just using the 'aproximate' free one, then the cag gets a 5% commission).

If you feel that we have helped you, or you would like to help keep this web site running so that others can continue to get their money back, please click the donate button at the top of the forum.

Advice & opinions of Dave, The Bank Action Group and The Consumer Action Group are offered informally, without prejudice & without liability.

Use your own judgment. Seek advice of a qualified insured professional if you have any doubts.

 

------------

 

 

Add me as your friend on FaceBook - I need all the friends I can get :-(

 

http://www.facebook.com/profile.php?id=577405151

 

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the free credit score isnt at all accurate. for starters they dont need your address so how can they give you a proper score if they dont know who you are and where you live.

Halifax WON X 2, Northern Rock WON, Capital One WON, Marbles WON, HSBC WON

On the 25th october I will be filing a claim for £175.00 Citicards. Just watch it!

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They do take the postcode though, don't they? I just did mine and it seemed about right.

If you feel that we have helped you, or you would like to help keep this web site running so that others can continue to get their money back, please click the donate button at the top of the forum.

Advice & opinions of Dave, The Bank Action Group and The Consumer Action Group are offered informally, without prejudice & without liability.

Use your own judgment. Seek advice of a qualified insured professional if you have any doubts.

 

------------

 

 

Add me as your friend on FaceBook - I need all the friends I can get :-(

 

http://www.facebook.com/profile.php?id=577405151

 

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nothing to report like, i'm just sitting and waiting, sitting and waiting

 

i'm at my desk at work - headphones on and this song comes on by The Transplants - its called 'We Trusted You' and the lyric is almost entirely relevant to everyone on the site - let me share a selection of lyrics.

 

 

 

CHORUS:

We trusted you, we put out a helping hand

Only in return, we get a stabbing in the back

 

...Took us for granted, let's start here

Friendship over, so very clear

Then what is fair is gonna be fair

**** you...you're over...

 

...Stood by your side, you put a knife in my back

Never ever thought it'd be you who would do me like that

But we live and we learn, or so it's said

 

.....The mistakes I've made won't happen again

Keep my enemies closer than I keep my friends

 

.....Will we ever be the same? Well my answer is no

 

Don't wake up now, it's gonna be too late

Don't give me that **** about cleaning the slate

You've been at it too long, all your life that I've checked

Now your time's almost up....

 

If you don't stand for nothing I can't really stand behind you

Who knew you withdrew your point of view

I lost mine, you cry and whine all the time

And I cant stand aside or anywhere near you

I'd get in check, you're a wreck, no respect,

 

 

 

i know this is completely irrelevant so please bear with me!

 

but last night i was beginning to think that nice as it would be to get the cash BACK (and god knows i'm skint - but i'm just so used to being skint!), i really hope it GOES TO COURT!

 

i don't feel scared of the process like i initially did. i'm living in Halifax, i know people at the 'Halifax COURIER' (the local rag) and i'd love to stand there armed with the great arguments posted elsewhere on this site and look someone representing the Halifax right in the eye and talk it through! and i know i could get some emotional mileage out of the torment they brought to my life when i really needed a LITTLE EXTRA HELP!!

 

rant over, cheers for listening! (its lunchtime, i'm bored)

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yup, they bit the bullet! i got my money back from the suckers.

 

KEEP GOING AND YOU GET THERE IN THE END HONEST! - i was damn sure i was gonna be the first in court. but i'm not!

 

donation coming..

 

and a massive thank you to EVERYONE on the site. working class heroes..

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aw go on then - thought you'd never ask!

 

my claim was ACKNOWLEDGED on the 14th June, and i heard absolutely nothing from that day til today (the 12th day) - i checked online mid-morning and the money was in my account - £2,643 to be precise!

 

mu only worry now is, i have no parachute account and they'll be getting tetchy soon won't they? i'm in the process of trying the CO-OP.

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Well done you!! Citizens Advice told me that Nationwide will take anyone even if bankrupt, ive just opened a nat west step acoount very easily!

 

Ally

Im new to this so don't rely on or copy what I do use your own judgement or seek legal advice!

 

 

Ally

 

 

http://www.consumeractiongroup.co.uk/forum/debt-bailiffs-advice/33520-1st-credit-littlewoods-woolwich.html#post270608 Ongoing Littewoods/Woolwich/1st Credit

 

http://www.consumeractiongroup.co.uk/forum/halifax-bank/9671-halifax-loan-arrears-help.html on hold pending Halifax

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