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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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DCAs who send out Statutory Demands purely as a punitive measure / scare tactic


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I would be really keen to have all your thoughts on this, i've noticed that more and more agencies are adopting this strategy. I'm about to embark on some work in the day job centered around this and would love to hear opinions and thoughts, especially if it has happened to you.

 

Thanks

 

Seq :)

 

ps - i don't work for a debt collection agency before you ask!

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Hi Sequenci, pleased to see that you have been "upgraded" to a site helper. You know your stuff! ;)

Can't say that I am able in this instance to help with your research, as I do not believe that I have been a lucky (!) recipient!, but does a Statutory demand come as a letter from the DCA/solicitor, and what sort of wording?

Red

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Hi sequenci,

 

 

It would seem from reading many threads on this site, that this is a particular tactic of Ruthbridge. Unfortunately (or rather fortunately) I have not had any personal dealings with this particular company.

 

I have, however had dealings with DG solicitors. These usually send a letter threatening legal action in the first instance. If this letter is ignored, or a payment is not forthcoming, then a second letter threatening legal action and application for an attachment of earnings is then sent. Now should you ignore this second letter, they then send the next letter threatening legal action and an application for a charging order. This is the stage I am currently at, so I do not yet know what the fourth threatening letter may contain!:confused:

 

 

Regards, Jeff.

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I have had 2 from Connaught.

 

Also had 1 from Lowell sent a week after they issued a CCJ claim but before judgement.

 

What sort of info do you need.

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

Oooh Look....Flying Pigs

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Now should you ignore this second letter, they then send the next letter threatening legal action and an application for a charging order.

 

 

If, at the time that you take out a loan, this the intention of a loan company should you default, then shouldn't the interest rate be that of a secured loan rather than an unsecured loan, since they intend to get the outstanding balance + charges secured against your house if you default.

 

I don't see the difference between a secured loan & what they are doing.

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. Now should you ignore this second letter, they then send the next letter threatening legal action and an application for a charging order.

 

how do they know if you own a property?

post office WON 12/11/06

 

abbey.LBA sent 30/10/06.MCOL claim submitted 8/11/06.allocation questionnaire sent 16/12/06.schedule of charges sent 16/12/06.WON

 

2nd abbey claim SAR sent 3/1/07.WON.complaint letter sent 18/1/08

 

alliance and Leicester.WON

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Meritforce make me laugh, they threaten to seize my assets (haven't got any) arrestment of wages (I don't earn any) and bankruptcy (what, for 200 odd quid??) yeh right!:razz:

 

 

 

 

They can only start bankruptcy proceedings for £750 or more!

 

 

Jeff.

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I have never received a SD so can't comment from that point of view, but I think it's essential to get that SAR and CCA request in as early as possible and start disputing the debt.

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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I have ignored all my SDs up to now as I feel any contact could be taken as acknowledgement of service.

 

I am still here and kicking.

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

Oooh Look....Flying Pigs

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I have ignored all my SDs up to now as I feel any contact could be taken as acknowledgement of service.

 

I am still here and kicking.

 

 

Hello Belaflat,

 

 

Could you elaborate?

 

How many SD's have you had? How long ago? From which companies?

 

 

Sorry for all the questions!

 

 

Best wishes, Jeff.

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I have had 3 in total, 1 from Lowells and 2 from Connaught.

Connaught sent the first in the form of a simple letter which stated it was a statutory demand etc etc, this was over a year ago.

The second from Connaught was the type which everyone seems to be getting from them, A4, stapled together with little blue triangle and delivered by 2nd class mail and followed up 2 weeks later with a 'Time is running out, contact us now to resolve this' letter.

 

I would add that I have had no contact whatsoever with Connaught so these were total shots in the dark as they have also tried to contact me at 2 other addresses.

 

I will PM details of Lowells as I am in dispute with them at the minute and dont want to give too many details.

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

Oooh Look....Flying Pigs

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  • 7 months later...
I have had 3 in total, 1 from Lowells and 2 from Connaught.

Connaught sent the first in the form of a simple letter which stated it was a statutory demand etc etc, this was over a year ago.

The second from Connaught was the type which everyone seems to be getting from them, A4, stapled together with little blue triangle and delivered by 2nd class mail and followed up 2 weeks later with a 'Time is running out, contact us now to resolve this' letter.

 

I would add that I have had no contact whatsoever with Connaught so these were total shots in the dark as they have also tried to contact me at 2 other addresses.

 

I will PM details of Lowells as I am in dispute with them at the minute and dont want to give too many details.

 

Hi

 

I have just had a stat demand from Connaught today....exactly the same with the blue triangle....2nd class post,.....

 

 

Im sending them a letter tomorrow for the deed of assignment....

 

Have they chased you anymore with the stat demand????

 

Also my stat demand has come in my maiden name....you think they would get my name right

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Are they real stat demands, or just threats of them?

 

Those things cost about £150 to issue, to seems an expensive tactic if they're using the scattergun approach. Also, if you issue one and don't follow it through with a BR petition, you lose a lot of credibility with the debtor.

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I think you'll find most "stautory demands" are just sent by post. Then again, even a stat demand served by a process server isn't all that expensive. First link you find on internet search is £45 fixed fee.

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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Are they real stat demands, or just threats of them?

 

Those things cost about £150 to issue, to seems an expensive tactic if they're using the scattergun approach. Also, if you issue one and don't follow it through with a BR petition, you lose a lot of credibility with the debtor.

 

I think they are real.....I found a copy of them on the internet....They look scary when you get one...

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LLoydspain, in order for a statutory demand to be real, it needs to be personally served on the debtor UNLESS a court has allowed substituted service.

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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LLoydspain, in order for a statutory demand to be real, it needs to be personally served on the debtor UNLESS a court has allowed substituted service.

 

So the one i got through the post today 2nd class is not real?????

 

Connaught ...would not have gone via the court to get it to me...First I hear they were going to do this to me was last week...a threat...now they have sent me rule 6.1 stat deman 268

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Stat demands must be served by personal service unless a court has ordered substituted service.

 

personally, though, i would always issue a set aside application, since they are free and removes any risk at all.

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 had one of these from connaughts, Served them a CCA request, Got the standard reply ''Its being passed back to the orginal creditor'' 1st credit then have a bash at making me pay, Sent a CCA to them, They also confirmed they didnt have it, They were passing it back to HBOS (Who they claim they were acting for), Then Robinson Way come out of the woodwork, Same threats as the other 2 (They also told me on the phone that if i did send a CCA request they would refuse to issue it as they were 100% sure that 1st credit had sent one and thats all the proof they needed), I just laughed and hung up as i already knew that 1st Credit didnt have one. So i sent a CCA request to Robinson Way and heard nothing since. Been about 5-6 months now.

 

All the above were reported for non-compliance to CCA requests. I wonder if they dare try again...

 

i wouldnt have managed all of the above without the help of CAG and its members..

The views expressed on this website are mine alone and don't reflect the views of my employer!

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