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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.
    • Regular savings accounts are accounts designed for savers who put money aside every month and reward them with a generous interest rate.View the full article
    • 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.
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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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      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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Trying to improve my credit file & get debt free ***SUCCESS***


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Hi Everyone

I hope someone can give me some good advise. I want to improve my credit file. I've checked my credit file on creditexpert.co.uk (Experian) and it shows that I owe the following:

· Ambrose Wilson – £229

· Intrum Justitia - £323

· Wescot SPV - £738

These accounts are in default and have been for some time. I’m pretty sure there are more accounts that should show up, I’ve provided my addresses for the last six years and creditexpert have assured me that these are the only accounts that I hold that are showing up. I’m just curious whether any other accounts are likely to show up in the future, as I do owe money to other companies but it was some time ago, but I don’t think all of them were more than six years ago.

Also, does anyone have any advice on the best way to resolve these accounts? I can’t afford to pay off these debts in full straight away but can arrange some kind of monthly payment.

Am I in a position to negotiate on the final amount, since I will be the one approaching them and not the other way around?

I have sent off a form to be put on the electoral roll. Are there any other tips that anyone has that would help me improve my credit rating, which is “poor” at the moment.

 

Thanks

Championless

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My personal take on things: don't bother with a notice of correction, nobody takes any notice of them anyway.

 

I'd be going down the CCA route and requiring these companies to prove that the debt is enforceable. If they can't, request them to remove the defaults and don't pay them any more.

  • Barclays: WON!!! It took four months but was totally worth it!
  • Cabot: I'm still waiting for an enforcable agreement, more than a year after requesting it. Go on, Uncle Ken, take me to court if you dare. You know you want to!
  • Elephant.co.uk: VICTORY - they admitted there was no debt!
  • Ashbourne Management (gym membership): Finally got my default removed and out-of-court settlement; I'm not finished with them yet!

<--- If I've been helpful please remember the scales ;)

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I'd be going down the CCA route and requiring these companies to prove that the debt is enforceable. If they can't, request them to remove the defaults and don't pay them any more.

 

How do i find out if the debts are enforceable and would they remove the entry from my credit report if they are not? Surely i should just pay it so i can clear my credit file. I haven't made any payments on these for some time.

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How do i find out if the debts are enforceable and would they remove the entry from my credit report if they are not? Surely i should just pay it so i can clear my credit file. I haven't made any payments on these for some time.

 

You could send the CCA letter which asks for as copy of the original credit agreement ( as without being able to produce this the debt is unenforceable ). If they cannot 'prove' the debt then they should not be processing your data ie giving the info to cred ref agencies to list on your file.

 

If you want to pay them that's fine but the original defaults will still show on your file for 6 years from the date they were registered. You can't ask for information to be removed unless it is false and it's the creditor, not the credit reference agency who you would need to contact to remove or amend info.

 

Hope this helps :)

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You could send the CCA letter which asks for as copy of the original credit agreement ( as without being able to produce this the debt is unenforceable ). If they cannot 'prove' the debt then they should not be processing your data ie giving the info to cred ref agencies to list on your file.

 

If you want to pay them that's fine but the original defaults will still show on your file for 6 years from the date they were registered. You can't ask for information to be removed unless it is false and it's the creditor, not the credit reference agency who you would need to contact to remove or amend info.

 

Hope this helps :)

 

If i don't pay them and they remove the information from my credit file, will the default still show up? Will it show as satisfied? From what i can gather, they need to provide the original credit agreement, if they can't the debt is unenforcable and they should remove the information from the file. Is that right? On my credit file it lists the following...

 

Company name: AMBROSE WILSON

Account type: Mail Order

Started: 09/10/2001

Default Balance: £229

Current Balance: £229

Monthly Payment: £24

Defaulted On: 15/08/2002

File updated for period to: 25/08/2002

 

Company name: WESCOT SPV LIMITED

Account type: Mail Order

Default Balance: £738

Current Balance: £738

Defaulted On: 05/07/2004

File updated for period to: 23/01/2005

 

Company name: INTRUM JUSTITIA

Account type: Mail Order

Started: 07/11/2002

Default Balance: £323

Current Balance: £323

Defaulted On: 23/09/2003

File updated for period to: 01/04/2007

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If you prove your debts to be unenforcable, can you get them to remove the information held with the CRAs? I checked my file with experian and it says that i owe to Ambrose Wilson, Intrum Justitia and Wescot. How do i send a CCA without an account number? If i can't, how do i get in contact with them to find out the supposed account number without admitting liability.

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send all of them the following letter

 

include a £1 postal order for each and everyone one of them, send them off recorded delivery.

 

do NOT deal with them on the phone, do it all in writting so you can prove whats been said.

 

Fact is if they are all mail order, chances are there is no credit agreement as mail order companies tend not to have them.

 

send this.

 

 

 

 

Dear Sir/Madam

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 a postal order for £1, this is to pay for the information requested and 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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Thanks Kenny & Milktrayman.

 

I've worried about checking my credit file for years and when i finally did, it wasn't that bad, but i want to clear it so i can get a mortgage at some point in the future.

 

I will send out the letters as soon as possible. Although is it possible to send the letter without an account number?

 

I don't know if anyone can help with this... http://www.consumeractiongroup.co.uk/forum/barclays-bank/88636-my-two-barclays-accounts.html

It's worth a try, i'm trying to get all my accounts in order at the same time.

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yes you can send it without an account number hence the part "can find know reference"

 

send them, keep the recorded slips so can you track and trace online,

 

keep a file and bin nothing!

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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yes you can send it without an account number hence the part "can find know reference"

 

send them, keep the recorded slips so can you track and trace online,

 

keep a file and bin nothing!

 

Thanks Kenny. :) Will keep this thread updated. I'm sure that i'll need your help again soon...

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Received a letter today when i got home from Lowell's. This is the first letter from them, obviously Experian have passed on my details. The tone of this letter is fairly polite and unthreatening.

 

The letter is for an old Barclaycard debt for £339.35. The last time i paid this was around six years ago. Can they still chase me for this? I intend to send a CCA letter to Lowell also, just wondering whether if this was around six years ago, they can still chase me for this debt. There was no record of this debt on my credit file with Experian...

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if you are 100% positive that its over 6 years, send them a statue barred letter.

 

if your not positive, then CCA them :-D

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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updates on this champion?

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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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I go on holiday on Friday, so i'm waiting until i get back to start sending the letters, so i can keep track of them better. Had two letters from Lowell's now and one letter for a supposed debt, which used to be with Mackenzie Hall and has now been passed to some company that does doorstep collections. I'll be CCA-ing them all as soon as I get back from Turkey. I deserve a holiday i think, it's been 4 1/2 years.

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to be honest id CCA them now, then you can enjoy your holiday knowing they cant do anything against you because its in dispute.

 

just what i would do though.

 

enjoy your holiday

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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yes they have 12 workng days, so send them off and sit back and relax!

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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  • 4 weeks later...

kpr

 

How's it going?

 

T.

"Weasel (n): any person or group that operates in that vast grey area between good ethical behaviour and the sort of activities that might send you to jail".

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this is champs thread i was only helping :-D

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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