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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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    • 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.

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Argos Card & JB Debt Recovery


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Hi people,

 

Well, time for an update.

 

After recently receiving a letter from Morecrap stating they are unable to supply the requested CCA, only this morning I receive a letter from Fredrickson International, stating they are acting on behalf of Argos Card Services and require Full Payment or they are going to kick my head in. Seem`s that these idiots are trying to spoil my Christmas now.

 

I guess I send the usual `what you playing at? this account is in dispute` letter? Should I also inform Trading Standards of Argos`s dodgy tactics?

 

I look forward to hearing from you soon.

 

Many thanks in advance.

 

Regards

 

 

N.P

 

 

 

P.S. Hi pecky1, I know your watching.

If I have helped or made you laugh in any way in your hour of need, then please click my scales <<<<<<<<<< ;)

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Try this

 

Account In Dispute

Letter Before Action

 

Dear Sir/Madam,

I refer to my recent correspondence with Moorcroft concerning this alleged debt, copies of which are enclosed for your perusal and ease of reference.

As Moorcroft have failed to comply with my Consumer Credit Act request and admitted that the alleged signed executed agreement is unavailable, enforcement action is impossible under section 127 (3) of the Act.

 

The Consumer Credit Act allows 12 working days for this request to be carried out before your company enter into a default situation. If the request is not satisfied after a further 30 calendar days, Your company commit an offence. These time limits expired on XXXXXXXX and XXXXXXXX respectively.

 

As you are no doubt aware subsection (6) states:

 

If the creditor under an agreement fails to comply with subsection (1)—

 

(a) He is not entitled, while the default continues, to enforce the agreement; and

(b) If the default continues for one month he commits an offence.

 

Therefore as at XXXXXXXX this account became unenforceable at law and it is now my intention to refer this matter to the enforcement authorities.

 

If Fred chooses to ignore my dispute and attempt enforcement, I will initiate legal action and file reports with the appropriate authorities, including, but not limited to, Trading Standards, Office of Fair Trading, Information Commissioners Office, Financial Ombudsman Service and possible court action.

 

It is also my belief that your continued pursuance of this matter also constitutes an

offence under Section 40 of the Administration of Justice Act 1970.

 

Failure to respond favourably to this letter within fourteen (14) days of receipt will result in immediate litigation being commenced against your company without further notice.

I also require a copy of your internal complaints procedure as further action may be necessary.

 

I would appreciate your due diligence in this matter.

 

I look forward to hearing from you in writing.

 

Yours Faithfully

Be VERY careful whose advice you listen too

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Hi there,

 

Thanks our Curly friend.

 

I noticed this letter has references in to Morecrap. Do I need to edit anything in your letter or just send as it is?

 

I`ll be sending it in the post Monday morning, so if there`s anything I need to change, then I have time.

 

Thanks again.

 

Regards

 

 

N.P

If I have helped or made you laugh in any way in your hour of need, then please click my scales <<<<<<<<<< ;)

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Hi NP, just popping in to say "hi". It is unlikely you'll have much grief after you've sent CB's letter.

 

Keep us posted ;)

I'm midway through the tunnel, but getting closer to the light.

 

 

 

Please be aware that i am not an expert in anything!

I may offer an opinion, but the final decision is yours.

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Hi pecky1 and Hopeful1,

 

Thanks for the posts, everything is much appreciated.

 

I`ve just noticed on the recent letter from Fredrickson, the balance has gone up by £12. Surely this can`t be the £12 fee applied by Morecrap for sending out the letter as per the terms and conditions of the Credit Agreement they failed to send. Should I possibly add a line or two about this or charge these numpties £12 for me sending CB`s response? I could give them 14 days to pay up then whack in a N1 Court Claim.

 

Does anyone have any comments on this? I`ll be posting CB`s response first thing Monday.

 

Thanks again guys and gals.

 

Regards

 

 

N.P

If I have helped or made you laugh in any way in your hour of need, then please click my scales <<<<<<<<<< ;)

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Hi pecky1,

 

Don`t you just love playing games with these empty head`s? Heh heh. ;)

 

Regards

 

 

N.P

If I have helped or made you laugh in any way in your hour of need, then please click my scales <<<<<<<<<< ;)

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Hi folks,

 

Update!

 

Just received a call from an 0845 number, 8.45pm. We ignored the number and I redialled it with 141 in front and guess who it was? Yep, Those fools at Fredrickson. There was just an answering service saying I was placed in a que, so I just hung up. I have no intention of talking to these moron`s. I was just curious as to who rang.

 

Regards

 

 

N.P

If I have helped or made you laugh in any way in your hour of need, then please click my scales <<<<<<<<<< ;)

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Now come on NP, you shouldn't be so harsh. How else are people meant to entertain themselves on a cold winter's night? Good grief, cut the poor devils some slack...:D

I'm midway through the tunnel, but getting closer to the light.

 

 

 

Please be aware that i am not an expert in anything!

I may offer an opinion, but the final decision is yours.

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Heh heh,

 

Thanks for that Hopeful, well, I could give them a load of abuse but I`ve been up since 4.30 this morning and I`m tired and can`t really be bothered with some snotty little part time college punk on a power trip.

 

Regards

 

 

N.P

If I have helped or made you laugh in any way in your hour of need, then please click my scales <<<<<<<<<< ;)

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Hi again,

 

Nothing exciting to report today. Although we had another call from the fools at Right Said Fredrikson today, no one in to answer though, just as well.

 

Anyway, Curlys letter from Post 52 was posted Special Delivery today, I`m a little behind on this one, but what the hell. Thanks again Curly.

 

Right, time to scoot, catch you all later.

 

Regards

 

 

N.P

If I have helped or made you laugh in any way in your hour of need, then please click my scales <<<<<<<<<< ;)

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Hi again,

 

I like the Litigation Services page -

 

There objective is to sort out the `Can`t Pay` from the `Won`t Pay`. They don`t say anything about the `Can`t Claim Cause We Don`t Have A CCA` or anything like that.

 

Regards

 

 

N.P

If I have helped or made you laugh in any way in your hour of need, then please click my scales <<<<<<<<<< ;)

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Hi all,

 

Finished work this morning at 11, I was on a 6-2 today, but went in late, at 8, LOL. I now have 19 days off for Christmas. Yippee!!

 

I`d just like to take the opportunity to thank everyone helping me with this thread and wish you all a very Merry Christmas and all the best for the New Year.

 

Right, that`s the nonsense out of the way.

 

We have an UPDATE!

 

CB`s letter was delivered this morning before 9, by Special Delivery. The dame thing cost me £4 odd, but at least it gets there and was signed unlike bog standard Recorded Delivery.

 

Anyway, the knob splats have rang AGAIN this afternoon. Can you beleive these arse wipes? I also included the section from the Telephone Harrassement Letter (did I spell that right? Who cares!) and also a line reading `I WILL NEVER SPEAK TO YOU`, yet the bum holes STILL ring. Unbeleivable or what? I think I spelt that wrong too.

 

Anyway, just thought I`d let you know.

 

Right, I`m off to Starbucks for a brew. Catch you all later.

 

Thanks again

 

Regards

 

 

N.P

If I have helped or made you laugh in any way in your hour of need, then please click my scales <<<<<<<<<< ;)

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NP, receiving the letter and reading the letter are 2 VERY different things :D

 

Hope the coffee was good. I've got another 2 days left and am then off for 2 weeks.

 

I love Christmas too :)

I'm midway through the tunnel, but getting closer to the light.

 

 

 

Please be aware that i am not an expert in anything!

I may offer an opinion, but the final decision is yours.

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Hi hopeful1,

 

Thanks for the post. I bet you can`t wait for you holls eh?

 

We haven`t had any more calls today, just the one this morn. One of the halfs whitts must have read it.

 

They`re probably trying to spoil my Christmas, because they haven`t any friends or family to share it with.

 

By the way, the coffee was good, but at £3.30 a mug it want`s to be bloody brilliant. :D

 

Hope you have a good Christmas.

 

Regards

 

 

N.P

If I have helped or made you laugh in any way in your hour of need, then please click my scales <<<<<<<<<< ;)

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Hi pecky1,

 

Good to here from you again. Yeah, if they ring on Christmas day I`ll tell them exactly where to go, no holes barred, so they say.

 

Does anyone know what this bunch of smack heads are like? Are they just like the usual bunch of annoying turd burglars?

 

Are these DCA`s allowed to pass a disputed account around to one another and hassle people without even showing up with an application form, let alone a CCA?

 

I think a letter of complaint to Trading Standards regarding Argos`s behaviour is in order. Anyone have any idea`s on this?

 

Regards

 

 

N.P

If I have helped or made you laugh in any way in your hour of need, then please click my scales <<<<<<<<<< ;)

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There is nothing 'legally binding' which stops a DCA from passing an account around, usually from one floor of a building to another in the case of HFO and Turnbulls Solicitors.... and the same with Westcot and Moorcroft....

 

They think they work outside the OFT guidelines, a phonecall to my house on Xmas will reveal one very drunk Scotsman who will tell them what to stick up their kilts!

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A continuous passing around of accounts is usually a sign of incomplete paperwork ;)

 

One more day left. I might be posh like you NP and treat myself to a £50 cup of coffee :eek::p

I'm midway through the tunnel, but getting closer to the light.

 

 

 

Please be aware that i am not an expert in anything!

I may offer an opinion, but the final decision is yours.

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Hi again,

 

£50 cup of coffee? I like that, heh heh. You have been to Starbucks then?

 

I was there earlier, around 7pm, I had a Eggnog Latte. If I`d have taken the other half and toddler then it would have come to around £50 I think. I bought it using the money I`m not paying Argos, as well as having driving lessons. I might as well put it to some use. I guess Argos have already had more than enough from me in extortionate interest.

 

Anyway, back to business. It`s been all quiet today, no more calls from Freds. Perhaps they HAVE finally read my letter, or maybe they can`t read at all. Who know`s?

 

Right, the Hitcher is back on so back to the TV, catch everyone later.

 

Thanks for the posts.

 

Regards

 

 

N.P

If I have helped or made you laugh in any way in your hour of need, then please click my scales <<<<<<<<<< ;)

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