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    • Thanks jk2054 - email now sent to OCMC requesting an in person hearing.
    • You can easily argue your case with no sign on the nearest parking sign
    • Same issue got a fine yesterday for parking in suspended bay which was ending at 6:30 yesterday, next thing I see a fine 15 minutes before it. The sign was obstructed 
    • Hi all, an update on the case as the deadline for filing the WS is tomorrow i.e., 14 days before the hearing date: 7th June. Evri have emailed their WS today to the court and to myself. Attached pdf of their WS - I have redacted personal information and left any redactions/highlights by Evri. In the main: The WS is signed by George Wood. Evri have stated the claim value that I am seeking to recover is £931.79 including £70 court fees, and am putting me to strict proof as to the value of the claim. Evri's have accepted that the parcel is lost but there is no contract between Evri and myself, and that the contract is with myself and Packlink They have provided a copy of the eBay Powered By Packlink Terms and Conditions (T&Cs) to support their argument the contractual relationship is between myself and Packlink, highlighting clause 3a, e, g of these T&Cs. They further highlight clause 14 of the T&Cs which states that Packlink's liability is limited to £25 unless enhanced compensation has been chosen. They have contacted Packlink who informed them that I had been in contact with Packlink and raised a claim with Packlink and the claim had been paid accordingly i.e., £25 in line with the T&Cs and the compensated postage costs of £4.82. They believe this is clear evidence that my contract is with Packlink and should therefore cease the claim against Evri. Evri also cite Clause 23 of the pre-exiting commercial agreement between the Defendant and Packlink, which states:  ‘Contracts (Rights of Third Parties) Act 1999 A person who is not a party to this Agreement shall have no rights under the Contracts (Right of Third Parties) Act 1999 to rely upon or enforce any term of this Agreement provided that this does not affect any right or remedy of the third party which exists or is available apart from that Act.’ This means that the Claimant cannot enforce third party rights under the Contract (Rights of Third Parties) Act 1999 and instead should cease this claim and raise a dispute with the correct party.   Having read Evri's WS and considered the main points above, I have made these observations: Evri have not seen/read my WS (sent by post and by email) as they would have recognised the claim value is over £1000 as it includes court fees, trial fees, postage costs and interests, and there is a complete breakdown of the different costs and evidence. Evri accepts the parcel is lost after it entered their delivery network - again, this is in my WS and is not an issue in dispute. Evri mentions the £25 and £4.82 paid by Packlink - Again, had they read the WS, they would have realised this is not an issue in dispute. Furthermore to the eBay Powered By Packlink T&Cs that Evri is referring to, Clauses 3b and c of the T&Cs states:  (b)   Packlink is a package dispatch search engine that acts as an intermediary between its Users and Transport Agencies. Through the Website, Users can check the prices that different Transport Agencies offer for shipments and contract with the Transport Agency that best suits their needs on-line. (c)  Each User shall then enter into its own contract with the chosen Transport Agency. Packlink does not have any control over, and disclaims all liability that may arise in contracts between a User and a Transport Agency   This supports the view that once a user (i.e, myself) selects a transport agency (i.e Evri) that best suits the user's needs, the user (i.e, myself) enters into a contract with the chosen transport agency (i.e, myself). Therefore, under the T&Cs, there is a contract between myself and Evri. Evri cites their pre-existing agreement with Packlink and that I cannot enforce 3rd party rights under the 1999 Act. Evri has not provided a copy of this contract, and furthermore, my point above explains that the T&Cs clearly explains I have entered into a contract when i chose Evri to deliver my parcel.  As explained in my WS, i am the non-gratuitous beneficiary as my payment for Evri's delivery service through Packlink is the sole reason for the principal contract coming into existence. Clearly Evri have not read by WS as the above is all clearly explained in there.   I am going to respond to Evri's email by stating that I have already sent my WS to them by post/email and attach the email that sent on the weekend to them containing my WS. However, before i do that, If there is anything additional I should further add to the email, please do let me know. Thanks. Evri Witness Statement Redacted v1 compressed.pdf
    • Thank you. I will get on to the SAR request. I am not sure now who the DCA are - I have a feeling it might be the ACI group but will try to pull back the letter they wrote from her to see and update with that once I have it. She queried it initially with 118 118 when she received the default notice I think. Thanks again - your help and support is much appreciated and I will talk to her about stopping her payments at the weekend.
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Help please! Moneyshop problem


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Hi all,

 

This is my first full post here and I wanted to ask for some advice from the knowledgable folk that are always around here! Essentially, without going into too much detail, I have an impending problem. I have, in the past, used the Moneyshop to obtain 'cash 'til payday' advances on my wages. Essentially you write them a cheque for a hundred pounds and they give you £87 back. They then cash it the next month unless you pay another £14 on each cheque to extend it by a month. I have currently got £500 of debt with them and have been extending the cheques. The problem is that I am soon to be out of work and have no income until the benefits start. I am then going to be unable to extend the cheques as I can't afford it! My bank won't give me an overdraft to cover this as I have a bad credit history. So I am facing a load of cheques going out and nothing there to cover them.

 

I want to ask if anyone can suggest the best course of action. Do you think writing to Moneyshop and explaining the situation will lead to them allowing a repayment plan? Obviously this would be better than bouncing the cheques and ending up with a large, unauthorised overdraft and all the charges that go with it.

 

I'm getting really stressed out by this and any advice would be gratefully received. Thanks in advance! J :)

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Your idea of speakling to Moneyshop and explaining your situation to them would seem the best course ofmaction at this monent in time.

 

At least by doing this you will be proactive and up front about your situation and as such they will, hopefully, be able to offer advice and help.

 

If they get snotty then maybe a visit to your local Citizens Advice Bureau may be needed.

 

Good luck

PPMAN159

 

If this comment has helped please click on the scales.

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It might be an idea to cancel the cheques if they don't want to listen as there may be an issue of you writing the cheques knowing there's no funds to cover them. Will also save a lot of charges. Get in before they do if need be.

 

Good luck, Dave.

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I used to use them all the time, it apears a good idea when you need money but like you say you end up delaying them and one day they have to be paid. Well i would speak to them and see if they can do anything, if they cant they could bank them as they will be "Gaurenteed cheques" using your cheque guarentee card, this will result in you going over your overdraft and getting charges from the bank which you will then want to reclaim.

If none of this works maybe take out a small £500 loan? my credit record was seriously bad but there are some lenders although the interest rate will not be good!

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Hi there - I too thought they were a good idea until things spun out of control for me.

 

I was in the same situation and spoke to them - all they could offer was a 12 month loan for the value of the outstanding cheques plus interest - I'm not sure if it is an agreement under the CCA - no credit cheques were required - but you have to pay it by direct debit - this may give you some breathing space.

Best thign to do is speak to them as I am sure you don't want to increase your debt!

 

All the best!

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I know it's a slightly different issue givingitago, but you say that you don't have a very good credit history. Are there any charges from your bank account or previously loans you can claim back?

 

I know this doesn't help your immediate problem but it may get you a little more money in the next 2 or 3 months.

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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  • 8 months later...

Hi there,

 

I've just got off the phone to 1st credit who have been passed the account from the money shop. Originally the debt was around £400. Now it's £800. They told me that £428 of interest has been added (defualts etc), which I'm clearly annoyed about. What shall I do? Shall I pay the full debt or shall I argue that £428 worth of charges is totally unfair?

 

If someone can help, then I would be very grateful. 1st Credit are now saying that it will be passed over for court action!

 

Thanks

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This will be the same as when a DCA sends out a letter claiming they now own the debt? You have already acknowleged the debt by telephoning them. :( So I don't think you would get away with denying any knowlege of it.

 

Send a letter and £1 postal order asking for the original agreement and a breakdown in charges. Remember not to talk to DCAs on the phone deal in writing and don't use your normal signature.

 

See what they come back with.

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Thanks - I take it I need to ask the DCA for the breakdown of charges or do I need to contact the moneyshop? Also, is there a template letter for this?

 

Thanks

 

Hi Gary There is a template letter I'll try and find it and post the link here for you. You send it to the DCA. They will then have to prove to you that the debt is enforcable.

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http://www.consumeractiongroup.co.uk/forum/debt-bailiffs-advice/20758-creditors-dcas-letter-templates.html

 

These are the template letters you will need to send letter N.

 

I got a letter from a DCA asking for money or they will take me to court. I sent this letter and they wrote back saying they are not going to persue it further. Give it a go and see what 1st Credit come up with

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Ok - Thanks. However, I already wrote to 1st credit saying this::shock:

 

I would like to inform you that the balance of these accounts are in dispute with the original creditor due to unlawful charges. Therefore, I consider these accounts to be in dispute and no further action shall be taken until this matter is resolved pursuant to OFT guidelines Section 2.8 k. "not ceasing collection activity whilst investigating a reasonably queried or disputed debt."

 

I also reserve the right to pursue the legal owner for any and all unlawful charges that have been levied on these accounts.

 

I am prepared to take all legal action necessary to recover these unlawful charges.

Shall I now follow it up with Letter N? I'm worried now I've sent the wrong letter!

Many thanks!

 

 

 

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I wouldn't bother with letter N now. Have you disputed the charges in writing to Moneyshop?

 

I'll check in tomorrow got to go now and get Tea on

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  • 5 months later...

No - they arent a bank so therefore no.

THE PRETENDER AGENDA - August 30,2008 - 2ND ROW!!! WOO-HOO!! :-)

THANK YOU SO MUCH FOR A FAB NITE LEE! xx

Sunderland 011008 - THE BEST BIRTHDAY PRESSIE EVER! 'Aww, it's your birthday! Happy birthday darlin!'

 

02 Apr 2008, 23:55

OfficialLeeRyan wrote:

i like that!! its simple and good and gets the fans involved aswell x x x

 

MY SUCCESSES -

 

1st Credit (Lloyds TSB) admitted no CCA, reply from OFT 130608, reply from FOS 040608, adjudication stage rejected but still no contact....

 

My mate (Littlewoods/Moorcroft)

300608 -Long running battle,threatening court, CCA letter NO 2 and harrassment letter sent - passed back to Littlewoods early July.

070808 - Passed to Debt Managers, Acct in dispute/BOG OFF letter sent 080808...

140808 - Letter from Debt Managers passing debt back to Littlewoods - RESULT! :D

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  • 1 month later...

I complained to the moneyshop about the 25.00 charge per cheque - as i informed them that i have no funds available due to my unemployment situation. - Anyway they ignored this. I made another complaint.

 

The Moneyshop 'investigation' - standard response its a 30 day loan and you will have to pay all charges and extra interest.... I asked for a statement of account and breakdown of charges which they have not supplied.

 

They say i have to complain to British Cheque Cashers Association first before i can complain to the Financial Ombudsman servie. It it worth complaining the BCCA?

 

In the credit agreement it states

 

"Complaint we cannot settle via our complaint procedure may be referred to the Financial Ombudsman Service."

 

Theres no mention of the BCCA.

 

I would also like to know if the £25.00 charge per a cheque worth under £50.00 is fair.

 

The moneyshop said thats what the bank charges them? Is this true?. (I did inform them of my financial difficulties)

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  • 1 year later...

my partner had a payday loan with moneyshop and recently we changed bank accounts but didnt inform them and this morning i woke to find they had taken 3 payments from my new account of 25 pounds.

is this legal? as the checks were with an old account at a different bank account.

i was very shocked to find they had drained my account of my household bill money. is there anything we can do??????????

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my partner had a payday loan with moneyshop and recently we changed bank accounts but didnt inform them and this morning i woke to find they had taken 3 payments from my new account of 25 pounds.

is this legal? as the checks were with an old account at a different bank account.

i was very shocked to find they had drained my account of my household bill money. is there anything we can do??????????

 

How on earth did they manage that? How did they get your new details if you have not told them?

I would be straight on to the bank to see what they are playing at.

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I called my partner and he said he had extended the cheques a month ago and used his debit card for the new account.

called my bank and they said theres nothing they can do and that he would have to call moneyshop to see if they will refund the payments (very unlikely) and that even if we cancell the card they could still manage to take the money from our account! this is daylight robbery how can this be justified. im highly annoyed right now and can see my partners dinner being in the dog tonight!

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  • 2 weeks later...
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