Jump to content


  • Tweets

  • Posts

    • 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.  
  • Recommended Topics

  • Our picks

    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • Hello,

      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.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 161 replies
    • 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
        • Like
  • Recommended Topics

Spiritgirl -v- Various DCAs


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 5810 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

Thanks Spiritgirl and the same back to you! It's nice to hear you talking about enjoying Christmas rather than worrying about these problems... a yuletide turnaround if ever I've seen one ;)

 

Santa has been nice to me already, delivering Judgment by Default on my 4 (yes, read 'em, 4!) claims against O2! Woo hoo! :p

 

http://www.consumeractiongroup.co.uk/forum/data-protection-default-issues/111666-car2403-o2-wescot-dca-2.html#post1292180 (post #39)

 

Link to post
Share on other sites

  • Replies 697
  • Created
  • Last Reply

Top Posters In This Topic

Top Posters In This Topic

Hi SG, hope that you had a peaceful and enjoyable christmas, so pleased that you have managed to deal so effectively with this Lloyds claim before christmas. I sincerely hope that the New Year brings the correct result with this one. i.e. that (and I am sorry cos I don't know the correct terminology!) Lloyds drop the case, as at this stage, going to court will make them look a bit silly (IMO). I will not be around much again until the end of Jan. I hope that when I return, there is some good news waiting for me regarding this one!

Glad that you are getting such great help and advice, and support. Hope that 2008 is a better one!

Love

Red xxx

Link to post
Share on other sites

Hiya red :)

 

Thanks so much for your lovely message x Best wishes to you too for 2008, lets hope its a good year for us all.

 

I am praying Lloyds drop the case too, but it remains to be seen. My holding defence was an absolute little belter thanks to the great help and guidance I had from everyone, and whatever the outcome will be, I feel stronger for fighting back and giving those bullying bar stewards at Lloyds' Solicitors something to chew over!:mad: SG will not roll over without a fight, the gloves are off LOL!

 

I'll be back as soon as I have any news.

 

Happy New Year to all of you.

Love & hugs

SG x

Please note I am not legally qualified, I am offering advice based on my own personal experience in the hope that it may be of help to others in a similar situation.

Link to post
Share on other sites

Watching your Lloyds case with interest. They have admitted to me that they have no agreement but are still going to pursue the debt. This was over 2 months ago and I have heard nothing since my last letter to them which I sent a copy to OFT.

 

With the support you have got with this how can you defence be anything else but the best.

 

Best wishes to you for 2008.

Link to post
Share on other sites

  • 2 weeks later...

Hi again friends

 

Well I got a letter from SC&M, Lloyds Solicitors today stating that:-

 

"Following our clients instructions in this matter, you are advised that we have requested the County Court to enter judgment against you. A Judgment Order detailing payment will therefore be sent to you by the court in due course"

 

er...hang on a minute...what about myholding defence served on them before Christmas....!!!!

 

Surely they cannot just instruct the court to enter judgment?

 

The last letter I got from the court itself acknowledged receipt of my holding defence, advised they had served a copy on the Claimants Solicitors and said THE COURT would be contacting me to tell me what would happen next!!

 

So I phoned SC&M and asked what on earth they were playing at. I was told that as I had entered NO DEFENCE they were asking for judgment to be entered against me!!

 

I told the woman on the phone (whose details I have noted) that not only did I send them a copy of my Holding Defence prior to Christmas, but the COURT served a copy on them on 19th December as well!!!!!!!!

 

She said they had had received nothing and there was nothing noted on their system so she "suggests" I phone the Court on Monday to find out what's gone on!

 

Interestingly enclosed with their letter was a "Standing Order Mandate" which they have sent for my use :p saying that:-

 

"if I prefer this method of payment please complete the form and send it direct to ourselves ensuring that there are sufficient funds in your account to honour the Standing Order arrangement" Alternatively a book of bank giro credit slips will be sent to you by our clients under separate cover in the next 7 to 10 days"

 

and then they go on to say how I can make payments at any branch of Lloyds TSB (nothing about how MUCH to pay mind you...not that they are getting ANYTHING of course!)

 

Finally they state :-

 

"Please ensure that payments are made in accordance with the Judgment Order to prevent enforcement proceedings, which will incur additional court fees and Solicitor costs for which you may be liable"

 

Talk about ruddy cheek! What the hell are they trying to do????

 

Do you think this is another "tactic" of theirs - send me such a letter in the hope that I will assume judgement has been entered and panic...but how can they say they have no Defence when the COURT has served it on them??????????????

 

Any ideas/views would be really appreciated before I telephone the Court Clerk on Monday guys.

 

The OH's mum has been really poorly and hospitalised so we've got a lot on our plate right now worrying about her, and other family problems besides. The last thing I need is this firm of incompetents causing mayhem!!:mad:

 

Many thanks

A totally amazed SG x

Please note I am not legally qualified, I am offering advice based on my own personal experience in the hope that it may be of help to others in a similar situation.

Link to post
Share on other sites

Personally, I wouldn't worry about this until you've had OFFICIAL notification from the Court.

 

This, to me, appears to be a blantant breach of OFT Debt Collection Guidance, in that they seem to be implying they have already had Judgment already - which isn't the case if it ISN'T official!

 

Wait until Monday, (take the weekend to calm down!) then call the Court to find out what stage the claim is at. If they have filed a request for Judgment, make sure that the Court has received your Defence (they've confirmed receipt already!) then send them this;

 

URGENT - TO THE COURT MANAGER;

 

Dear Sir/Madam,

 

Claim Number XXX

DCA -v- SG

 

I refer to correspondace that I have received relating to this claim that implies that the Claimant in this case has submitted a request for Judgment by Default to be entered.

 

After speaking to the Court staff today by telephone, I understand that this is the case and such a formal request has been received by the Court.

 

I would like to refer the Court to the correspondance I received from you dated xx/xx/xx in which you confirmed receipt of service of my Defence.

 

I would like the Court to note that, due to the service of such Defence, the Court is excluded from granting Judgment by Default under CPR Part 12 Practice Direction 1.1(2) and 4.1(2).

 

Where the Court has already wrongly entered Judgment by Default, I would hereby request that such Judgment is set aside under CPR Part 13 Practice Direction 13.2(b) in that a Defence was entered within the timescales allowed within CPR Part 15 Practice Direction 15.4(1).

 

Yours faithfully,

 

SG

 

Good old CPR! Sometimes they get this wrong, but a prod in the right direction usually always works...

 

;)

 

Link to post
Share on other sites

LOL Car I love it ! :-D You've made me feel so much better.

 

I find the whole thing unbelievable...but then should I be shocked at anything done by these DCAs/Solicitors these days!!

 

Thanks for your quick response, and also to Sosumi for bumping my thread.

 

I shall do what you say - am going fishing tomorrow with my OH to chill out for a bit - and then battle will commence on Monday morning !!

 

I'll keep you posted!

 

(((cyberhugs)))

SG x

Please note I am not legally qualified, I am offering advice based on my own personal experience in the hope that it may be of help to others in a similar situation.

Link to post
Share on other sites

Just to make you feel a little bit better, SG - this now seems to be a standard process for these Solicitors to follow while waiting for the Allocation process the Court follows to start, as they've done exactly the same thing on this thread, at this post;

 

http://www.consumeractiongroup.co.uk/forum/general-debt/122545-help-wit-court-clainm-2.html#post1324317

 

Link to post
Share on other sites

Thanks so much Chris x I've subbed to Gaz's thread (where I saw your name is Chris so I can stop calling you a car LOL);)

 

I'll be back to let everyone know what happens when I phone the Court tomorrow.

 

I wonder how many poor people have fell for this trick and think judgement HAS already been entered ... the mind boggles and it makes me so bloomin' mad :mad:

 

Love SG x

Please note I am not legally qualified, I am offering advice based on my own personal experience in the hope that it may be of help to others in a similar situation.

Link to post
Share on other sites

Morning friends :)

 

Just spoke to a Court Clerk who advised me that the Claimant has "jumped the gun" in asking for judgment to be entered against me. She said the court have written back to them and told them judgment is refused and they need to respond to my Defence!

 

They have another week or so in which to do so, after which the case will either be stayed or barred. If they don't respond in the time allocated by the court now, they could bring the case up again in the future, but the court will want to know why they didn't deal with it the first time round.

 

Interesting to see what bow larks they now come up with won't it?, since they have failed to respond under CPR and not responded to my Defence!!

 

Must say I feel better now, I had a sleepless night about it. The Clerk was lovely, she said that this "often happens" (which is extremely worrying of course) but told me not to worry as they now have to abide by the court's request for a response by the given date.

 

Chris, I don't think I need to send that letter now do I?, since judgment has not been entered by default? She said to wait to hear from the court for allocation of the case to my local court if it goes ahead, so shall I sit tight???

 

(((Babybear))) I am so sorry you fell for their tactics my friend - I'm sure there are thousands out there who have done. They are as crafty as a barrel load of monkeys - I am being polite here! :mad:

 

(((Gaz))) good luck mate! you may be put on hold for a while because the court is busy, I had to wait a while to be put through. I'll watch your thread to see what happens with you too.

 

Love SG x

Please note I am not legally qualified, I am offering advice based on my own personal experience in the hope that it may be of help to others in a similar situation.

Link to post
Share on other sites

I'd say no - did you get the name of the person you spoke to for future reference, BTW?

 

I think this will "often happen" a lot more as these Solicitors seems to have adopted this as standard tactics! It might be worth a complaint to the Law Society, if they are regulated, (you'd be surprised how many "Solicitors" aren't!) to point out the impact it has having on litigants in person?

 

Link to post
Share on other sites

Hiya, yes I did take a note of the Court Clerk's name and the time I phoned for future reference. That's a great idea about a complaint to the Law Society IF they are regulated, I will do some investigating and see what I can find out.

 

Love SG x

Please note I am not legally qualified, I am offering advice based on my own personal experience in the hope that it may be of help to others in a similar situation.

Link to post
Share on other sites

:)Hi again friends

 

Spoke to the Court again today, these bozos SC&M have another couple of days in which to respond to my Defence otherwise this case will be stayed.

 

She told me that then if they want to resurrect it, it will cost them a lot of money to open up the case again, and in her experience this is very unlikely.

 

She said that the fact nothing has been received into court by now in her opinion nothing is likely to be, and they have had "no contact whatsoever" from the Claimant" (her words) but I've to phone back next week after the system has updated itself following the deadline.

 

Chris, I've checked and they are not with the Law Society, they are instead with the "Solicitors Regulation Authority" which according to that website is the "independent regulatory body of the Law Society of England and Wales".

 

Following the deadline for court I will be contacting them with the full sorry saga surrounding this incompetent firm.:mad:

 

I'll post back after the deadline.

 

Hope you are all OK.

Love SG x

Please note I am not legally qualified, I am offering advice based on my own personal experience in the hope that it may be of help to others in a similar situation.

Link to post
Share on other sites

Not at all surprised by this SG

 

SCM have failed to reply to a claim I issued about 2 months ago (acknowledgment but no Defence)

 

Have applied for JBD but nothing from the court as yet

omnia praesumuntur legitime facta donec probetur in contrarium

 

 

Please note: I am not a member of the legal profession, all advice given is purely my opinion, if in doubt consult a professional

Link to post
Share on other sites

Hi SG

 

Since I've heard absolutely nothing from SC&M on my case either, you just prompted me to call the court & see what's happening.

 

Apparently both AQs were received on 3rd January, but they haven't been put before the DJ for review as yet. That's going to be done today, so I should get an update from the court in the next week or so.... at least they're not trying the same trick in applying for judgement!

 

Meanwhile, I asked if I could have a copy of SC&M's AQ and that's now winging it's way to me :D

 

Cheers

Michael

Please note that the right to reproduce any part of any post I make on this forum is restricted under copyright law.

 

Please see the following copyright statement

Link to post
Share on other sites

:)Good luck Michael - I'll watch for your next post.

 

ncf I'm a bit naffed off to be honest - all the stress and worry I had, and all the effort put into preparing such an ace Defence with the help of everyone on here, and it looks like it will come to nothing.

 

One thing the Clerk did say which I forgot to tell you all was that she suggests after the deadline I write a letter to SC&M confirming the status of the case, and that they have failed to respond to the court or myself, so I have a copy of it for any future dodgy dealings they try to make. She said to send a copy to the court for their file too ;)

 

Has anyone done this before in the same situation? Some help with appropriate wording would be great if possible? Or can anyone direct me to a thread where this kind of letter has been done?

 

And of course I can then send a copy of that letter along with my complaint to the Solicitors Regulation Authority and hope that SC&M get their backsides well and truly kicked :mad:

 

Love SG x

 

p.s. on another subject in this thread Creation Finance have confirmed in writing they cannot "enforce" their alleged debt until they provide an agreement (which they clearly don't have since they have sent me several copies of a very illegible freepost application form since this long saga began back last April) but say I am still "obliged" to start repayments. I have told them I will see them in court when they try to enforce it and have told them politely to go and visit a taxidermist for their own benefit :p So I would say "result" so far on this one!!

Please note I am not legally qualified, I am offering advice based on my own personal experience in the hope that it may be of help to others in a similar situation.

Link to post
Share on other sites

hi SG,

just catching up again, and this is such an interesting case.

I know that it is fustrating for you, from the first point of contact from SC&M through to the ?impending? court action, and subsequent burying their heads in the sand, with all of the hard work that you and everyone who has helped you with your correspondence/defence etc. I would say though that good things have occured as a result of this case.

It looks reasonable for you, whatever the out come, in the sense that if SC&M do decide to crawl back out of the woodwork before the deadline, that you have a great defense and if nothing happens, then you have the complaints / reporting of SC&M to look forward to.

Also on another positive note, your recent posts have shown you as being so strong, and determined, and I think that this situ has been really character building, and hopefully giving you confidence too!

Fingers crossed for next week!

Love Red x

Link to post
Share on other sites

ncf I'm a bit naffed off to be honest - all the stress and worry I had, and all the effort put into preparing such an ace Defence with the help of everyone on here, and it looks like it will come to nothing.

 

Er... Don't you think they've seen your Defence and decided it isn't worth continuing? I'd disagree that the Defence has "come to nothing", if it works!

 

I wouldn't worry about doing anything until you know what's happening next - it's fine Court staff telling you what to do and how to do it, but ultimately only a Judge can stay the claim. I don't want to scare you, but that's the truth.

 

On the other hand, not long to wait now before you know what's going on - either the claim is stayed or you'll have a Court date set where you can put an end to this sorry state of affairs. It's win-win either way, but the war isn't over yet, SG... IMHO...

 

Link to post
Share on other sites

Hi SG. I just wanted to add my support. Fingers crossed your defense has scared them off. Stay strong.

I'm midway through the tunnel, but getting closer to the light.

 

 

 

Please be aware that i am not an expert in anything!

I may offer an opinion, but the final decision is yours.

Link to post
Share on other sites

(((thanks guys))) :)

 

Red you are right, its definitely made me feel stronger plus its given me such a lot more knowledge now for if any other DCA crawls from under their stone and tries this kind of thing on :mad:

 

Er... Don't you think they've seen your Defence and decided it isn't worth continuing? I'd disagree that the Defence has "come to nothing", if it works!
Chris I did wonder about that today??? I'm not blowing my own trumpet here, but I used to work as a Legal Secretary and worked for some years in a Barristers' Chambers so I knew how to lay out the document to make a good impression if you know what I mean;) Forgetting its contents, it did "look" good. I've noticed these days that a lot of the legal formatting has gone by the board which is a shame. LOL I can remember typing up Conveyances on a MANUAL typewriter when I first started ...and you daren't make any mistakes cos you couldn't use Tippex!! (pmsl showing me age now :p).

 

Anyhow what I am trying to say here is that I hope that the Solicitors realised I am totally professional and serious and will take this all the way!!...which I still may have to of course!

 

(((Hopeful1))) hugs to you x

 

Thanks again for your lovely replies, I'll post back when I have more news.

 

Love SG x

Please note I am not legally qualified, I am offering advice based on my own personal experience in the hope that it may be of help to others in a similar situation.

Link to post
Share on other sites

SG, hopefully you will not have to go through this stress again, and also that your defense has made SC&M think twice.

If the situ occurs that you possibly do have to go to court, is there anyone on here who could possibly be a court buddy? Think you are in the middle of the country aren't you?

Don't start me off about manual typewriters! Painful memories of the early electric ones that you could also not correct, I am suprised that I passed my typing exam! LOL Infact there could be lots of people who agree with me on this site from the state of some of my posts! At least now I know not to tipex the screen!

Fingers toes and eyes crossed for you SG!

Red x

  • Haha 1
Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...