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    • Thank you everyone!  thought to share some points from my experience in court today that may help others who are taking Evri to court: The judge sets out how the hearing will go and how each party should behave; while i was certainly feeling anxious/nervous ahead of the hearing (and I'm sure @jk2054 may have also observed this), the judge really does try to put any non-legal persons at ease; refrain from talking to the other party and instead speak to the judge if you have any questions/responses; the judge and the advocate spoke about tort of negligence - i wasn't sure how this applied to my case but the judge was questionning the advocate about this so i chose to stay out of this; the judge made reference to a historical case of Donaghue v Stevenson which established a duty of care; the judge observed that some of the points in Evri's witness statement by george wood needed cross examination but george was not present today for questionning; While i was claiming 8% interest, the judge pointed out that is the upper limit and that today, savings accounts give 4-5%. I therefore opted for 5% interest which was agreed to by the judge and the advocate; above all else, ensure you know your court bundle and have any notes to help you refer to specific sections - it helped me to structure my answers to the judge/defendant's queries, and point to specific evidence where i was asked to prove e.g., the value of the item. @honeybee13 - yes, will confirm when payment is received. I have emailed the Evri.claims email with my bank details and also provided them after the hearing to the advocate. @BankFodder message received and i am replying to it
    • Looks promising then.  Well done   Dx
    • So a little update.  I sent a complaint to ico and have heard nothing. I just got the general reply email and that's it.  Sat twiddling my thumbs and thought about what I should do next. I searched for the CEO of Studio but then found that he'd left so as keep getting letters from studio about the arrears etc. I thought I'd email the David Twigg. Sent him all the bumpft and a copy of my original complaint and sars request.  Got no response. So didn't know what else to do. Then I thought I'd try through the financial difficulties option on the online form. One last try before I just give up and let them default me.  Then on the 5th June. I got an email from their customer services. That the items that had gone AWOL have all been cancelled. Nothing else on that email, so I had a look in an email account that I don't use anymore and there was an email from the customer service.  That they were sorry for the problems I've had for the last 9 months. That the sars info was emailed to me on 14/04, it wasn't I've kept all spam and deleted emails on that account, they have raised a complaint with their studio pay team regarding the issues, balance dispute, fee's and my credit file. They are hoping to resolve in 3 days but they have upto 56. They also said in regards to my other issues I have to raise a complaint with studio retail but haven't told me how I do that.  The sars info only goes upto the end of December 2023. It has my previous complaints on there but nothing after so I don't know how I get hold of that information. Luckily I've kept copies of every time I've contacted them. Every web chat or social media contact.  Apologies for the extremely long post but I wanted to add everything I could just incase.  I have checked my account balance and it's still minus 900 odd pounds but I'll keep checking to see if it's all cleared and on my credit file.  I'm hoping this is the end of the whole debacle and they close my account because I never want to do this again. Although it's been a learning experience.  Thanks to dx100uk for pointing me in the right direction. Much appreciated.   
    • Fraudsters copy the details of firms we authorise to try and convince people that their firm is genuine. Find out why you shouldn’t deal with this clone firm.View the full article
    • If you want to cause DCBL trouble, then complain to the SRA.  It would be even more fun if mystic_bertie would complain at the same time, to show the SRA there is a pattern.
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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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Just been to court/CL finance**WON IN COURT**


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Hi bluetack,

 

 

Congratulations!!! Well Done!!!

 

 

I'm not actually surprised that you had more knowledge than those solicitors. Bet they thought it was going to be a walk in the park.

 

 

Best wishes, Jeff.

 

 

WELL DONE - BRILLIANT NEWS!!! NICE TO SEE YOU WON!!

 

Jeff, this is the big mistake these companies are making in their thinking we don't know anything!!

 

Time these comapnies woke up and realsied that Consumers have rights too - gone are the days where we let them take us for a ride :D

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Hear hear! I think it stinks that TWO solicitors attended to fight a case that was listed for a 10 minute hearing.....

And then lost ::)

Absolutely well done, and well done Rory as well. The advice on this thread will be invaluable to others and will be an inspiration.

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oh and I also took along a copy of my last statement which I had doctored to read that CL Finance's solicitor (two of them turned up to fight the case) actually owned the debt they were chasing me for!!! The judge agreed that this proved statements alone were not proof of debt.

 

When you say you doctored the statements - what exactly do you mean?

Consumer Health Forums - where you can discuss any health or relationship matters.

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Hi,

Or it could be if she forgot a comma:

oh and I also took along a copy of my last statement which I had, doctored to read that CL Finance's solicitor (two of them turned up to fight the case) actually owned the debt they were chasing me for!!! The judge agreed that this proved statements alone were not proof of debt.

I'm just hoping really that's what she means, would be bad otherwise.

I'm reading the whole paragraph to read that she had a statement in her posession that was doctored by the solicitor to read that they owned it.

Judge has then looked and took the opinion that CL and sols cannot both own it.

I may be gravely wrong, oooer!!

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No she clearly states this which I had doctored to read that CL Finance's solicitor

 

YIKES............:!: :!:

 

Surely not. I think (hope) there may be a misunderstanding here........

HOIST BY THEIR OWN PETARD.

 

Blimey it works....:-)

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Having thought about it, ... the production of statements in court does not necessarily prove the existence, ownership, or liability of a debt, (anyone can print statements of sorts), then it's unlikely to sway a judges decision if you just happen to write on certain statements that XXX company claim ownership from XX date,... because they are.

 

I would imagine it only becomes a problem if documents are produced with the specific intention of misleading the court to your advantage. If this was the case, surely two Solicitors would have picked it up????

 

I'm just theorising, thinking out loud.......

 

No. I'm sure it's OK. 8-)

HOIST BY THEIR OWN PETARD.

 

Blimey it works....:-)

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I've no doubt your thread will be a tremendous inspiration to loads of folks who were dreading being taken to court.

 

Now EVERYONE knows the application as an agreement arguement has been totally blown out of the water.

 

Well Done for having the courage of your convictions.

 

To all the MIB who I know trawl these posts.... TAKE NOTE.

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oh and I also took along a copy of my last statement which I had doctored to read that CL Finance's solicitor (two of them turned up to fight the case) actually owned the debt they were chasing me for!!! The judge agreed that this proved statements alone were not proof of debt.

 

I read that as the Judge having been shown how easy it is to alter a statement, realised that such statements cannot be relied upon as proof of a debt.

Of course I will pay you everything you say I owe with no proof.

Oooh Look....Flying Pigs

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I read that as the Judge having been shown how easily it is to alter a statement, realised that such statements cannot be relied upon as proof of a debt.

Beat me to that lol. I think he altered the docs and pointed this out to the judge - to show that these statements prove NOTHING. Perhaps op will see and explain lol.

Diddy Vrs Clarity - Clarity have produced CCA on behalf of EGG CC

Diddy Vrs Woolwich - I am at stage 2 (recieved shcedule of charges applied to account)

Diddy Vrs Buchanan clark & Wells - sent CCA request, not yet complied.

 

Mission is to end the year 2007 as level - dont want to owe or be owed by then :cool:

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Wow, do I feel famous!

Wasn't expecting this kind of response from everyone and its great, but I think I need to clear a few things up.

First of all, there was a lot of money involved here, over £9,000.

The solicitors were given big case reference books to try and find the points I had raised (I think there were about 11) but the judge was reading them out so quickly they hardly had chance to turn the pages! (they did look silly)

Then one of them said about the statements being proof of the debt.

It was at this point that I gave the judge the statement saying the solicitor actually owned this debt. I admitted then that I had altered the statement myself to prove that anyone with a computer is capable of falsifying documents that are not signed.

No one mentioned anything about this being unlawful, but I knew the statement thing would be raised and thats why I did it.

Remember, two years of the statements were missing. Their argument was that the account was dormant therefore no need for statements, the judge's reply was statements have to be supplied at least every twelve months (one of my defence points).

This was the main structure of my defence:

Non compliance CCA 1974 s127(3)

60(1)(a) 60(1)(b) 60(1)©

61(1)(a) 61(1)(b) 61(1)©

78(1)(a) 78(1)(b) 78(1)© 78(4)(a)

79(1)

 

CCA 2006 not retrospective - Default under regulated agreements/ 11 (a)(b)©

 

House of Lords ruling: WILSON and others v Secretary of State for Trade and Industry.

 

I do hope this info will help anyone else in a similar position.

I will post the court docs/strike out when they arrive.

(not sure if I should show you doctored statement, could lock me up if spies watching...........)

Also, I asked for costs and was awarded £50 even though I hadn't gone prepared with anything written down!

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