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


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The letter is fine but it should go to the organisation that owns the account not Triton who are only acting as their agent.

 

As I've recently come to understand DCAs are debt collectors and using the CCA against them is a pointless activity. The CCA only works for whomsoever owns the rights & duties of the account.

 

Have a read of MoonHawks thread for more info on the rights & duties issue.

 

http://www.consumeractiongroup.co.uk/forum/debt-collectors-debt-collection/112901-have-you-sent-cca-new-post.html

I'm not an expert so check everything I tell you, however click me scales if I've been useful.

Light travels faster than sound. This is why some people appear bright until you hear them speak.

 

There is no freemasonry like the freemasonry of Golf

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The letter is fine but it should go to the organisation that owns the account not Triton who are only acting as their agent.

 

Hi Conar

 

I sent the letter to Triton on the vague hope that it would stop any phone calls which I am sure they will try as harassment, and pass it back to Nat West of which I believe they are inhouse debt chasers.

Nat West have been told in no uncertain terms all that is in that letter, and all they write back is that they stand by their previous letters that the debt is due and they will pursue it.

 

Lets see what the answer to that is.

 

maggiebroom :)

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im waiting for a reply to my request to have my ppi paid back..i took a loan in 2003 for 15k..and together with interest and ppi it all amount to 23500k paid over 60 months at 391.67 pounds per month..im now down to 4400 or thereabouts..and ive paid insurance for nothing as i was retired and they ticked the box automatically when i signed the agreement..

my bank charges ..1500k are now with the ombudsman...and im also waiting to hear from them about the ppi on my credit card.

my loan and ppi are with lloyds.

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Still nothing so all is quiet on the western front.

maggiebroom :)

 

Watching and waiting with interest.

 

im waiting for a reply to my request to have my ppi paid back..i took a loan in 2003 for 15k..and together with interest and ppi it all amount to 23500k paid over 60 months at 391.67 pounds per month..im now down to 4400 or thereabouts..and ive paid insurance for nothing as i was retired and they ticked the box automatically when i signed the agreement..

my bank charges ..1500k are now with the ombudsman...and im also waiting to hear from them about the ppi on my credit card.

my loan and ppi are with lloyds.

 

almikenina..

Good luck with your claims. Do you have your own threads that we can follow ?

  • Haha 1

I Wish you everything you wish yourself.

 

NatWest Claimed £1,639. Accepted £1,344.

Natwest Paid me again as GOGW £1,656. Yes they can have it back if they say please.

Barclays 1 Claimed £1,260. Won by default. Paid in full

Barclays 2 Claimed £2,378. Won by default. Paid in full

Birmingham Midshires. Claimed £2,122. Accepted £2,075.

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hello All

 

Another update now the post is back.

 

Nat West have passed my account on to Triton Credit Services, and they are demanding full payment immediately or they will take further action.

 

Now I am not worried about this, but I need to know what I reply. Do I send Triton a CCA request? Or do I let them take further action?

 

I am not sure whether or not to go ahead with starting a court claim straight away.

Triton's letter is late because of the postal strike.

 

Anyone got any advice. I am at a loss now as to what to do? :???:

 

maggiebroom :)

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anyone?? Please

 

Hello Maggie,

 

Hope you are well and enjoying the peace and quiet with no harassment calls.

 

Regarding the Nastywest, they have passed your details to a 3rd party, whilst being in default of the ca request and the account being in clear legal dispute. This is very naughty, but they do it anyway. It will all add to your case.

 

I think when the letter from Triton comes, maybe respond by informing them that you are not prepared to discuss the account with them as the account is in legal dispute and maybe suggest they contact the Nasty regrding this matter. Tell them you will retain any letters, threatening or otherwise for your harassment file.

 

I sent one like this to a dca, that has been set upon me by a very reputable company, but they are still pestering, I do not scare easy. I will delighted if they dare take me to court.:D

 

Dear Muppet

 

Thank you for your template threatening letter proposing your intentions regarding this alleged debt. May I suggest that there is urgent liaison between yourselves and XXXXXX Financial Services regarding this matter. This account is in clear legal dispute. Any verbal or written contact from your company to myself, I will retain for my files and will take the appropriate legal action for harassment.

 

Please take note at this stage, that any legal action you may contemplate will be both vigorously defended and contested.

 

I await your written confirmation that this matter is now closed. Otherwise I will have no option but to make a complaint to the trading standards department and inform the OFT of your actions.

 

I look forward to your reply.

 

Yours faithfully,

 

 

Keep your chin up maggie, they are only muppets really:p

If any of my posts are helpful, please feel free to click my scales. All information is given as my opinion only, based on my own personal experiences. I have no legal training, but have educated myself in aspects of consumer legislation. My motto "NEVER GIVE IN, NEVER SURRENDER", THERE IS A WAR ON YOU KNOW

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I like the Dear Muppet..lol

 

They Cannot pass on Information etc to DCA when the account is clearly in dispute... I would send the letter above from Sandbro.. BUt i would change the Dear Muppet...lol

 

Ian

 

Ian

Lloyds TSB -PPI - Full refund . 05/09/06 :D:p (As Seen on TV) :p

Halifax settled in Full.. :D 22/09/06

TSB First Claim SETTLED IN FULL 19/10/06 :D

Second Claim to Lloyds TSB - Settled in Full

Firstplus - early settlement interest charges - Challenged the use of the rule of 78 - SETTLED IN FULL 12/1/07

PPI - GE Money / Purpleloans / Firstplus - Now Settled after 1 year long hard fight.

 

 

 

If my post has helped you, please click the scales! :grin:

 

Anything said is my opinion and how I understand the law, always consult professional legal advice before taking something to court.

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Hi Folks

 

Thanks for your reply, but I understand that Triton Credit Services, although a dormant company, are a subsidiary of Snatch West. What does being dormant mean? Can they still operate or what? I am not sure.

 

Would the same letter apply to them, even if they are a part of the company. I guess so.

 

The letter is very good and I shall send it anyways. They seem to ignore anything I write to them, so we'll see what that brings.

 

Thanks once again it is much appreciated.

 

And yes Hell it is bliss not having the phone calls anymore.Strange though i miss the fun of trying to outwit them :D Not really :D

 

maggiebroom :)

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Triton have saved me a job. A letter arrived today thanking me for my last letter and saying they have noted my concerns and have passed the matter back to Nat West, who will be getting in touch shortly.

 

I wonder what they will have to say.

Obviously Triton don't want to get involved with a legal dispute. At least I think that's what it means.

 

 

maggiebroom :)

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Hello Maggie,

 

See your little light is on.

 

Thought this thread might be of interest to you. You may already have read it, but it is very interesting and might be useful for you.

 

un1boy - N1 issued for breach of CCA request

If any of my posts are helpful, please feel free to click my scales. All information is given as my opinion only, based on my own personal experiences. I have no legal training, but have educated myself in aspects of consumer legislation. My motto "NEVER GIVE IN, NEVER SURRENDER", THERE IS A WAR ON YOU KNOW

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Hi hell

 

I have now read through all of that thread and it is quite relevant to my case.

However I received this letter from Nat West today.

 

What do you think?

 

I am now able to issue a full response.

After fully looking into your previous correspondence and our responses sent to you on 22 June 2007, 16 July 2007, 2 August 2007 and 13 August 2007, I would advise you that after referring this matter to our Legal department we are happy that we have complied with your Consumer Credit request.

As required by the OFT, we are able to provide evidence that the debt exists and that the proper procedures have been followed and therefore do not consider to be in breach of the OFT and reject your claim that this account is in dispute.

Your indebtedness on this account remains due and payable and request you contact us to discuss your proposed repayments.

Should you disagree with this final response, you must now raise court proceedings against us to deal with the alleged non-compliance for the CCA which purportedly prevents us from enforcing the agreement. It would now be solely the Courts decision to rule in favour of your claim against the Bank.

 

Signed by the infamous H. Bennett.

 

What gets me is the fact that even if the piece of paper they sent me was properly executed and legible it was still out of time (12 days + 2)regarding my request and they have to produce a proper agreement for the court.

It is illegible and states at the top that it is an application form.There are no prescribed terms either. Methinks their legal department is up its own 'arris. ;)

 

They surely cannot expect me to back down at this stage. Looks like I shall be filling an NI soon.

 

Anyones opinion?? Do I reply or just get on to Court procedures?.

 

maggiebroom :D

 

 

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As you say Baldy its my call and as soon as I have some money i shall issue my NI. Till then there is nothing I can do.

 

I have to save up first.

 

maggiebroom :)

 

Hello Maggie,

 

How are you, well I hope, you've been a bit quiet of late.

 

There is no rush in all of this, bit like a mexican standoff, who blinks first. :o Your choices are save up for the N1 or let them take you to court, you defend and then put in a counterclaim:D

If any of my posts are helpful, please feel free to click my scales. All information is given as my opinion only, based on my own personal experiences. I have no legal training, but have educated myself in aspects of consumer legislation. My motto "NEVER GIVE IN, NEVER SURRENDER", THERE IS A WAR ON YOU KNOW

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Hello Hell

 

I have been on a course about starting a small business. I am very interested in photography and have even got my first order to record a conference on the 6th December.

A bit nerve racking but if I do my research I should be OK.

I am only trying to supplement my pension and save to go back to America and get more pictures.

 

So thats why I have been incommunicado so to speak. Its nice to know I have been missed.:D

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Hello Hell

 

I have been on a course about starting a small business. I am very interested in photography and have even got my first order to record a conference on the 6th December.

A bit nerve racking but if I do my research I should be OK.

I am only trying to supplement my pension and save to go back to America and get more pictures.

 

So thats why I have been incommunicado so to speak. Its nice to know I have been missed.:D

 

Hello Maggie,

 

Well I never you black horse you, there was I thinking that you were cowering in a corner with phonecall phobia and your out starting a new profession:o Good for you:D

 

Photography is a passion. My husband is a professional photographer and he goes off for days to get that perfect landscape. He has just come back from the lake district as landscapes are his passion. He does do weddings and portraits, but he prefers to be outdoors in all weathers just in case. I might pm you with his website.

 

And yes I did miss you:p

 

Take care

If any of my posts are helpful, please feel free to click my scales. All information is given as my opinion only, based on my own personal experiences. I have no legal training, but have educated myself in aspects of consumer legislation. My motto "NEVER GIVE IN, NEVER SURRENDER", THERE IS A WAR ON YOU KNOW

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Hi hell

 

You should never have told me your hubby is a photographer. I may pick his brains in future. I too am into landscapes and have some fantastic pics of the Grand Canyon and Yosemite in the states. I am very new at it, hence the business course this week.

 

Let me know his website. I haven't got one yet but if he is interested I will try and show him some of my pics. I am not pushy so don't worry that I will pester him.

 

I have a job recording a conference on the 6th December and am a bit worried about it, but I have to start somewhere. Got all the equipment and don't use it enough. I wish I was as near to the Lake District as you are. Its a weekend jaunt for us.

 

"Have tripod will travel" :D:D

 

maggiebroom :)

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