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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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    • 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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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Vampyra -v- Various DCA's


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Danny boy perhaps you should write a basic letter that outlines/explains what you are suggesting here.

 

A draft letter would I have no doubt be a big help to members.

 

Just a thought.....

Dont' stand for it - Hit Back!!

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A CCA I have states “We may assign or transfer our rights and/or obligations under this agreement.”

 

Richard could you kindly explain what the statement really means they can do (it is obviously a lot differently worded to CCA 74). Also does the fact that this statement appear automatically allow for a novated agreement with a DCA or even a different finance company?

I agree it is logical to transfer the lot, but as much as the DCA's are lying etc over the phone I would be surprised if their standard letters were indeed factually incorrect (some state outright rights but not duties, while others refer to their client).

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What Richard and Aktiv have posted now makes far more sense. Do excuse the crude and basic outline of this - I have flu and can't be bothered to go all "curley wurley" as I call it - do excuse my term! ;)

 

The Duties appear to be being handed over to DCA's, i.e. a duty to collect the debt, a duty to find a lost debtor, etc, but when it comes to exercising the rights of a Credit Agreement, that can only be done by the OC. Hence the "client" aspect of most letters which these DCA's write claiming ownership of the debts.

 

Does this mean they bought the 'Duties' whether via DOA or just being hired by the OC?

 

I still question if someone, anyone states in writing they own something, they must own it in entirity, especially if the wording relates to "we purchased this debt from...". Maybe they mean "we purchased the right to collect the debt on behalf of..."? If so, this brings around again the arguement of if it was purchased, was it part of a "charge off" system?

 

Thinksmart made some reference to the tax man and a pound of flesh. I also maintain not one of these banks, building societies or credit card companies will lose a penny over any debt. If it is "charged off" and then a fee/sum/token payment/toffee wrapper is made by a potential Assignee in return for the Contractual Duties of the renumeration of the debt, surely any payment made by any debtor is subject to tax. That tax would then be taken from the Assignee. One question I would like to ask is, is it morally correct for tax to be paid twice on a sum of money which may already have been subject to "charge off" and only by the sum being "virtually" changing hands and in fact remaining in the hands of the OC at all times.

 

Thus the OC gets tax relief and no loss of debt and the Assignee has to pay tax on the amount paid.

 

Someone else mentioned something about the banks making errors in favour of the unlawful bank charges, could it be there lies here some immoral and unlawful tax evasion practices by the banks?

 

If I'm wrong, ignore me, I have flu and maybe imagining things! ;)

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Thanks Richard. I took "duties" and "obligations" as being the same,just wanted to be 100% sure.

 

I deleted some of the other thread information because it offended a few people.

 

I have copied below the explanation about "novation" for if anyone is interested.

 

According to Wikipedia (link below) definition for assignment, rights pass to assignee but obligations usually remain with OC. There is a link to a definition for “novation”. The difference between the 2 appears to be that for “assignment” OC retains obligations as debtor is not party to the agreement (it is forced), whereas for novation, debtor would give consent (not in a month of Sundays everyone says!).

 

Assignment (law) - Wikipedia, the free encyclopedia

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Dear Richard

Is this for debts covered under CCA 1974?

 

Does this then mean unless a DCA catagorically proves they own the Legal Assignment as per LPA s125 (?), a DCA cannot enforce the debt? If so, does this mean all action taken against an alleged debtor must always be done in the name of and not on behalf of the OC?

 

Sorry I'm tired and ill I'm not clear headed today.

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Hi Everyone,

 

While there are obviously some very well-informed people on this forum, it all getting a bit high-brow, verging on legalise and just a tad difficult to understand.

 

If I get the gist of this string surely its about finding out the relationship between the OC and the DCA - In effect WHO OWNS THE DEBT?

 

Wouldnt it be better for someone just to scribe a letter that would get to the heart of the matter - and help people on this site to take the initiative and hopefully settle at a price thats suits all?

 

Asking the DCA if they in fact own the debt or are just acting on behalf of the OC/Client?

 

If the OC has been paid, and taxes are paid, etc, etc - and the DCA has in fact bought a debt for pennies in the pound there is room for the debtor (if of course they can raise any capital to satify the debt) rather than small payments for years, court appearances, or an IVA???

 

Just thought but I would be interested in your replies (in plain English;)

Dont' stand for it - Hit Back!!

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Guest Mincemeat

Having read this entire thread through three times now I would like to say a big thankyou to Richard for his efforts and expertise on this subject. I think it would be prudent for us to discuss the ramifications of his posts and where applicable, scribe the relevant letters ourselves. I think a resource as precious as Richard should not be asked to create such a letter (but if we were to present one to him for his perusal, I would hope he would be gracious enough to cast his eye over it).

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I agree Hitback. There appears to be a continual asking of the same questions on this subject, about which I believe I have made my opinions known in previous postings. Therefore, I do not feel it would be of any benefit for me to contribute any further.

 

Thanks Richard but I do hope you will have a look at anything that is produced, your experience would be hugely advantageous..

 

 

Having read this entire thread through three times now I would like to say a big thankyou to Richard for his efforts and expertise on this subject. I think it would be prudent for us to discuss the ramifications of his posts and where applicable, scribe the relevant letters ourselves. I think a resource as precious as Richard should not be asked to create such a letter (but if we were to present one to him for his perusal, I would hope he would be gracious enough to cast his eye over it).

 

HOORAY! - And while we're at it with the experience that is available on CAB we should have a drop down list for EVERY type of letter required to help those in debt who are members of this forum, not unlike what they ahve on another great site which is the National Debtline National Debtline England & Wales | Debt Advice

 

What do you all think - and more to the point who is going to be first to have a go at this particular letter??

Dont' stand for it - Hit Back!!

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Dear Richard

Please do not feel disheartened. Some people and this is not to cast dispursions, find it a little difficult to look at answers laterally and see what is being said. I also, as have previously told you, ask questions til I really understand what the answer is.

Your help has been invaluable and please do not think any of us are asking the same question over and over to be annoying. Some people cannot fathom more legal jargon and this is not their fault - you know this anyhow, and because of such, repeat questions which have already been answered, myself included. I get late night wafflings and basically write how I see it with a view to someone correcting me if I'm wrong.

 

I wonder maybe if it would be more sensible if a few of us got together to create a bullet point post on this subject, to condense and put in clear English all the points you have generously answered? Maybe you could then cast an eye just to confirm we have got this correct?

 

Many of us are more than happy to take these situations on ourselves without having to bother you continuously, but as I'm sure you can appreciate we want to be completely correct in our use of Law and would hate to mis-inform other and future CAG users by our lack of knowledge.

 

We humbly thank you for all your advice and pointers and hope you do not feel us in any way clawing or ungreatful for you precious time you offer us.

Vampy

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I am no longer welcome on CAG

i will be off site for the next month or so. if you have any problems, feel free to report the post so a moderator can help you.

 

I am not a qualified or practicing lawyer.

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I think you've covered that nicelly tomterm.

HAVE YOU BEEN TREATED UNFAIRLY BY CREDITORS OR DCA's?

 

BEWARE OF CLAIMS MANAGEMENT COMPANIES OFFERING TO WRITE OFF YOUR DEBTS.

 

 

Please note opinions given by rory32 are offered informally as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

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Since I have not had sight of the Document Of assignment I would ask you to clarify your letter, which I take to be a notice of assignment as required under the Law Of Property Act 1925.

 

 

I'm not sure I would say in writing that I take it to be a notice of assignment as it could be deemed you are admitting this and it may come back and bite you. How about:

Since I have not had sight of the Document Of assignment as required under the Law Of Property Act 1925, I would ask you to fully clarify the implications of your letter.

Just my ten cents as I know how snake-like are the actions of these creatures.

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I wonder maybe if it would be more sensible if a few of us got together to create a bullet point post on this subject, to condense and put in clear English all the points you have generously answered? Maybe you could then cast an eye just to confirm we have got this correct?

 

 

Vamp I think this is an excellent idea as I, like you, keep asking the questions over and over (often to myself) until I fully understand. After all if you are mounting your own litigation or conductinga defence you really need to be confident in your understanding.

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Yeha I just PM'd Rory about that - hopeless to go to Court and:

 

Judge: Why did you feel this debt was subject to LPA s125, blah, blah?

 

CAGer: I was told to send that letter!

 

Not helpful really! LOL

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I am no longer welcome on CAG

i will be off site for the next month or so. if you have any problems, feel free to report the post so a moderator can help you.

 

I am not a qualified or practicing lawyer.

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Tomterm, sorry to be a pain but in reading this paragraph:

 

Since I have not had sight of the Document Of assignment I would ask you to clarify your letter, which I take to be a notice of assignment as required under the Law Of Property Act 1925.

 

I'm reading this as the letter they sent you, you are taking as a notice of assignment as required by Law. Call me stupid but in reading this they may say, "well you have agreed it is the notice of assignment and we have complied with the Law."

 

Just looking a bit laterally at how they may stall or confuse matters.

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I am no longer welcome on CAG

i will be off site for the next month or so. if you have any problems, feel free to report the post so a moderator can help you.

 

I am not a qualified or practicing lawyer.

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