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    • 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
    • Well yes, ... and the tax dodgers ... Trump May Owe $100 Million From Double-Dip Tax Breaks, Audit Shows A previously unknown focus of an I.R.S. audit is a dubious accounting maneuver that effectively meant taking the same write-offs twice on a Chicago skyscraper. nytimes.com WWW.NYTIMES.COM  
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Spiritgirl -v- Various DCAs


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...and so the fun goes on....LOL Elizabeth you had me in fits :lol:

 

This morning have received a credit card statement from Lloyds TSB - despite the fact that they have sent an APPLICATION FORM in response to my CCA and will therefore be receiving sweet f.a. from me in the way of money from now on!...

 

Next thing will no doubt be their letter asking where their money is!

 

Oh what joy I will have responding to that!

 

Spiritgirl ;)

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.

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LTSB?

 

Consider yourself (un?) lucky!

 

I havent had a thing to a S78 received by them in Feb yet still they continue to send statements! (and call, and write)

 

They are my best buddys

 

:rolleyes:

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

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LOL ncf they are priceless!

 

Kenny, what you said about asking for a transcript of the Cap1 conversation, I've tried this in the past with Lloyds and they managed to wriggle out of it by their Data Control Department sending my cheque back saying "despite an extensive search they could not find a record of the conversation" (yeah right :p ) and I had their "profuse apologies" etc etc....some of the other lovely members on here said I would have almost no chance of getting a transcript because they would find a way round it - never mind I have a note of her name and the date I spoke to her at Cap1 so its her word against mine, PLUS their default on my CCA of course which is the main thing....with the imminent arrival of the application form she is so certain is a CCA!

 

While I'm on, can anyone direct me to a thread with a letter of response for when the DCAs start hounding me because I have stopped my repayments due to their default on the CCA letter. I know I saw one somewhere but can't remember where???

 

Many thanks in advance guys & girls x

 

Spiritgirl ;)

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.

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if they say they cant find a copy of the transcript then they are breaking the law under the Data Protection Act

 

any correspondance you have with them, they have the legal obbligation to record it farily and accurately.

 

id chase that one up!

Me Vs AA/Blair Oliver - Defaulted on CCA, Committed Criminal Offence, started chasing payment

 

Me Vs Great Universal - Wrote off the 2k balance, couldnt supply docs

http://www.consumeractiongroup.co.uk/forum/debt-collectors-debt-collection/74209-me-littlewoods-catalogue.html

 

My Friend Vs Lowell Portfolio - Balance written off, all action stopped!

http://www.consumeractiongroup.co.uk/forum/debt-collectors-debt-collection/75075-my-friend-lowell-victory.html

 

My Friend Vs Empire Catalogue - Balance Cleared

http://www.consumeractiongroup.co.uk/forum/debt-collectors-debt-collection/75713-my-friend-empire-droyds.html

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Thanks for the info guys - You have been so informative - Spend 5 hrs on the site last night reading up - I have sent of the CCA Letter recorded delivery yesterday and they signed for it today - Clock is ticking. I am going to take these guys down with everything I have. I cannot belive i was so stupid in the first instance not to request a copy of my credit agreement. One of the debts is an overdraft which the bank kept putting up without my authority - Granted I used it but I will be getting charges removed and (what would my stance be as an overdraft is not signed for?) I will be reclaiming all my direct debits of £3210 from my bank once they default - Thanks again guys

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...and so the fun goes on....LOL Elizabeth you had me in fits :lol:

 

This morning have received a credit card statement from Lloyds TSB - despite the fact that they have sent an APPLICATION FORM in response to my CCA and will therefore be receiving sweet f.a. from me in the way of money from now on!...

 

Next thing will no doubt be their letter asking where their money is!

 

Oh what joy I will have responding to that!

 

Spiritgirl ;)

 

CAP1 - are the funniest people - the entertainment I have had from these people :grin: Just give them "rope" and you'll not fail to beat these people - they are funnier than a cart load of monkey's ? They "mega mucked up" as my son would say!! :lol:

 

It's like instant "karma" ? When I think of the hardship these people put us through when even though I thought we'd relevant insurance covers and PPI - and they wormed out of settling card repayments and slapped us for charges etc.. - I so struggled like many people on here and found it near impossible to cope financially - AND NOW THIS STUFF ?? Like they say "what goes around - comes around" ?:lol:

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with ref to recorded phone calls. is there a home phone we can buy that will record conversations, and is it possible to do this with your mobile?

 

and yes it is somtimes a real giggle this site. i enjoy reading peoples first thread (inc but not limited to my own) where they are full of panic and dispair. two pages on and they are "bring it on".

as elizabeth says above its good stuff karma:)

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Guys and gals get this....

 

I have today received a letter from H Cohen following my CCA request, and they are enclosing a copy APPLICATION FORM for a store card (which they refer to as "the original agreement") BUT even better, where my signature appears on the application form, someone has written in a date in x/x/96, and in the signature box below (signed by the company the date appears as x/x/95...)

 

And so...since I took this agreement out on x/x/95 the date under my signature has been added!. So someone has definitely "fiddled" with this application form - also at the top there is a scribble of a name in EXACTLY the same handwriting as whoever has written the wrong date under my signature!! The photocopy is also pretty naff and I can't read the terms and conditions either. They have also defaulted as they signed for my CCA letter on 3rd April 2007 - some 25 days ago!

 

Probably them fiddling with it is why it has taken them so long to get it to me! :idea:

 

The letter states they look forward to receiving my further payments as they "trust this is in order"

 

Well bow larks to that! My gut feeling immediately is that this is certainly NOT in order for all the reasons above, but will one of you lovely peeps please confirm this for me ready for when they kick off as they are one of the awkward ones.

 

By way of some background, these are the low lifes who sent me "fake" court forms when they originally took over the debt :-x ...not that it got them anywhere cos I played them at their own game, filled in the alleged "court forms", sent an income and expenditure form prepared by the CAB with it and a full explanation of my financial situation. At the time I didn't realise these were fake, it was only after reading about it on help sites.

 

Shortly after Cohens wrote to me again and said "pay up or else the court will enforce judgement" I wrote back to them that they should not be contacting me but should contact the court direct for a decision since they had "instructed the court" and I told them I had already sent back the paperwork by recorded delivery to the court!! :p

 

Amazingly, just a couple of days later they wrote to agree my offer of £1 token amount "under the exceptional circumstances"!

 

This lot are so unscrupulous I need to know where I stand before I kick bottoms!

 

Many thanks

Spiritgirl ;)

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.

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Hiya guys

 

Am starting a new thread on this task so as not to get confused.

 

Sent off all CCA requests (11 in total) at the beginning of the month, recorded delivery.

 

Interestingly all hassling phone calls have suddenly stopped this week from one DCA in particular (a bunch of rude and ignorant low lifes who are constantly abusive ... you'll no doubt guess who I mean!) ) so I'm wondering if they have now seen my CCA letter and realise they haven't got a leg to stand on :D

 

So far only one response out of the 11 with a copy of my actual signed agreement (which is kosher) so the clock is now ticking.

 

Will update as and when I get anything back.

 

Best of luck everyone, I am following many of your threads with interest.

 

Spiritgirl ;)

 

Spiritgirl - they are definitely "meddling" with DOCS in there and I have seen another version other than the "application form" which they are also trying to convince the account holder "this is the original executed agreement" - theirs is totally different to mine and looks like the signature was pasted back to front - if held backwards to the light it reads the correct way - but on a page face upwards is illegible.

 

But as we know early days with this company - they are shooting more toes off their feet everyday!! :D

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Thanks Elizabeth :)

 

I intend to fight the lot of them all the way - I just feel it will not be easy and do anticipate some of them kicking off, but as I've said before the ONLY properly executed document I have is that from the A&L which to my mind is definitely a "precedent" as to how these documents should appear. I wish I knew a County Court Judge personally, because I would love to get his/her opinion on this!

 

I am also bearing in mind that RBS wrote off my debt due to them admitting in writing they were unable to find the proper executed agreement - they did not send an application form instead! - so all these little events and the written proof I have are surely in my favour!

 

Will keep you posted and thanks for your help.

 

Spiritgirl ;)

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.

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Essential reading

You may think that but . . ......

____________________________________

Total repaid to date £1947.58

 

Lloyds Currrent a/c £745.27

Moneyclaim filed 17th June

Defence and AQ 25th July. Case struck out 11 Aug

reinstated and hearing 15th Jan 2007

 

Lloyds loan a/c D A request expired 19th June

Proceedings under S7 Data Protection Act issued 29th June defence and counterclaim 27 July

Hearing Jan 3 2007

Listed final hearing April 2007-

Judge declared an interest and disqualified himself

new date to be set

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Hello Spiritgirl and vampyra, been following this topic, and just to let you know, that, both my DCA`s have now gone over the total time allowed,and as mentioned elsewhere into crim offence territory :)

 

This hasnt stopped letters coming though, but non this morning to add to my growing case files :)

 

So good luck with your individual campaigns,looks like midweek will be a special one to look forward to,you can almost smell the freedom and your bank balance will be putting on a little weight (thats the good bit )

 

Regards S

 

PS also its my 100th post yay! :)

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Thank you guys and girls :D

 

Yes I am looking forward to the middle of next week with great relish!!

 

Thinking of you Vampy, it seems both of us will have something to celebrate eh?

 

Well done on your 100th post Stormo, and well done on the result with the DCAs too!

 

Supportive cyber hugs

Spiritgirl ;)

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.

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Thank you guys and girls :D

 

Yes I am looking forward to the middle of next week with great relish!!

 

Thinking of you Vampy, it seems both of us will have something to celebrate eh?

 

Well done on your 100th post Stormo, and well done on the result with the DCAs too!

 

Supportive cyber hugs

Spiritgirl ;)

 

You are all on the right track:grin:. I Have vapourised about £32k of debt with CCA's in the last nine months. I just got a letter from nice Mr Beavan at Lowells telling me that I "should recieve no further correspondence" with regards to my £4,285.40 Capital One balance. I was looking forward to the Lowell / Hampton Postman Pat Statutory Demand however...:evil:

"Why CCJ when you can CCA!"

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Hello Folks,thanks for your kind words of support,i`m also rooting for the lawyer chappie Tom Brennan who is trying to get Gnat westy into court for the overdraft penalties,anyone else following this case?

 

Hope you dont mind me asking this in your thread Spiritgirl ;)

 

 

Wonder indeed what they will send next my darlin DCA`s :) i dont know many orgs that can send letters which state random things like its been made up as its gone along very strange :)

 

Regards S

 

Ps payingonlyencouragesthem are you the debt buster record holder for zapping tiny little bills (alleged :) ? :cool:

 

S

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Ps payingonlyencouragesthem are you the debt buster record holder for zapping tiny little bills (alleged :) ? :cool:

 

S

 

No sadly not by a very long shot:grin: an esteemed fellow CAG'er crossed the £90k barrier in a certified attempt quite a while ago;) but I WILL beat him thru the six figure barrier...

"Why CCJ when you can CCA!"

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No sadly not by a very long shot:grin: an esteemed fellow CAG'er crossed the £90k barrier in a certified attempt quite a while ago;) but I WILL beat him thru the six figure barrier...

 

POET, can you post a link to that CAG'ers thread on this?

 

 

Cheersh!

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

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POET, can you post a link to that CAG'ers thread on this?

 

 

Cheersh!

 

He doesn't have any threads as far as I'm aware. All I know is that he's not a homeowner and has a credit file that says don't bother suing me written all over it.

"Why CCJ when you can CCA!"

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Stormo, of course I don't mind you adding to this thread ;)

 

Well friends the day has arrived! They have now ALL except for A&L defaulted in one way or another! :D :D

 

I still can't believe it to be honest...so out of nearly £50k of debt and 11 Creditors I now have only one payment to make to A&L.

 

Interestingly the phone rang late last night and when I checked 1471 it was one of the 10 trying to contact me...so let the games begin!!! :p Calls will be totally ignored, and I shall await contact from them in writing!

 

I'll be back when I hear anything from them which I am sure I will cos they will by now be wondering where their money is!! :)

 

Spiritgirl :D

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.

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wtg spirit girl, watching your thread with interest. I have a couple of credit card debts that have been sold on to DCA's,

With one of them (cap 1 sold to cap quest) since i challenged the balance they cannot agree who now has the debt and how much it should be for. So i stopped paying last november until they can veorfy the balance

About to send CCA request to cap quest , thanks for the inspiration:)

 

ps is there a template for CCA requests..cant seem to find one inthe library

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heres a standard CCA request that i use

 

 

Dear Sir/Madam

I DO NOT ACKNOWLEDGE ANY DEBT TO YOUR COMPANY

I am presently striving to organise my personal information and can find no reference to the alleged debt and/or agreement on you appear to have been assigned to collect.

 

Therefore, please supply me with a true copy of the original agreement.

You will appreciate that this is my right and your legal obligation under the legislation contained within section 77 (1) and section 78 (1) of the Consumer Credit Act 1974.

I also understand that it is your obligation to provide me with a statement of account and I look forward to receiving that as well.

Since you are a Debt Collection Agency, please also supply a signed true copy of the deed of assignment of the above referenced agreement.

Again, this is you will appreciate a statutory obligation, whether you are the original creditor or not, under section 189 of the Consumer Credit Act 1974.

Please find enclosed my £1 statutory fee, this fee is not to be offset against any alleged debt.

 

I look forward to hearing from you within the statutory time limit.

 

Yours faithfully,

Me Vs AA/Blair Oliver - Defaulted on CCA, Committed Criminal Offence, started chasing payment

 

Me Vs Great Universal - Wrote off the 2k balance, couldnt supply docs

http://www.consumeractiongroup.co.uk/forum/debt-collectors-debt-collection/74209-me-littlewoods-catalogue.html

 

My Friend Vs Lowell Portfolio - Balance written off, all action stopped!

http://www.consumeractiongroup.co.uk/forum/debt-collectors-debt-collection/75075-my-friend-lowell-victory.html

 

My Friend Vs Empire Catalogue - Balance Cleared

http://www.consumeractiongroup.co.uk/forum/debt-collectors-debt-collection/75713-my-friend-empire-droyds.html

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heres a standard CCA request that i use

 

 

Dear Sir/Madam

 

I DO NOT ACKNOWLEDGE ANY DEBT TO YOUR COMPANY

 

I am presently striving to organise my personal information and can find no reference to the alleged debt and/or agreement on you appear to have been assigned to collect.

 

Therefore, please supply me with a true copy of the original agreement.

 

You will appreciate that this is my right and your legal obligation under the legislation contained within section 77 (1) and section 78 (1) of the Consumer Credit Act 1974.

 

I also understand that it is your obligation to provide me with a statement of account and I look forward to receiving that as well.

 

Since you are a Debt Collection Agency, please also supply a signed true copy of the deed of assignment of the above referenced agreement.

 

Again, this is you will appreciate a statutory obligation, whether you are the original creditor or not, under section 189 of the Consumer Credit Act 1974.

 

Please find enclosed my £1 statutory fee, this fee is not to be offset against any alleged debt.

 

I look forward to hearing from you within the statutory time limit.

 

Yours faithfully,

 

Hi Kenny,

yea i recall seeing this in your thread...thanks for the info i will use this

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