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    • My mind is a blur so i cant recall exactly what the judge said at the end, but he mentioned that he would be making an order for Evri to make payment to me. I wasn't sure if the court order will also be provided to me, either by post or email - if anyone can shed some light please?
    • Agree with everyone here it's bang to rights. Looks like you just slightly jinked left in order to go right. Ultimately, your time saving attempt is going to cost you as I don't think you have any grounds to appeal. I'd just pay the charge and chalk it up to experience.
    • 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.   
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      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.
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UUN vs Moorcroft for Argos


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Hi I sent moorcroft a cca request for an argos account,

I have been paying them each month, at the beginning of the agreement it was the agreed £5 via the ccca, (no longer with the ccca) then it went to £10 then to £20.

Today I received a copy of a CCA with my signature on it.

Well it is an Application form anyway, which it states in the top left corner

Your Application for the Argos Card

Also at the top it states

Credit Agreement Regulated by the Consumer Credit Act 1974

It is the sheet that has a signature on and also my bank details for the direct debit.

Puzzled though this would have been filled out in a store and the top part where my address details are etc, are actually typed up, and the rest is hand written.

I believe this may have been cut and pasted to look like it is all on one sheet, as there are a couple of lines etc that do not follow on, for example

there is a line straight though the whole sheet of paper, and there is a gap where it doesn't actaully join up

 

In the letter from Moorcroft it states

Please find enclosed a copy of the relevant agreement under the Consumer Credit Act in relation to the above account.

I can confirm that I have placed your account on hold until 13th August 2007 adn request that you make immediate contact with our call centre on the above telephone number to discuss a repayment proposal you can afford and maintain

When I get chance I will try to scan it a post it up (when I have learnt how)

Any advise on what to do now

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Bad News, it's a really dodgey scan wink.gif

 

Good news it isn't enforceable as it is simply an application form.

No APR

No Credit Limit

No T&C as mentioned

NOT signed by them

therefore unexcuted, not to mention anything about the obvious C&P's

 

 

Basically complete carp

Be VERY careful whose advice you listen too

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Bad News, it's a really dodgey scan wink.gif

 

 

CB - you're such a trickster :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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Hi,

In the same boat as you I recieved same letter yesterday from Moorcroft with Application Form, well over the time limit. Did you CCA Argos as well? I did, they sent Application Form as well plus seperate terms and conditions, Found out that Argos still own the Debt as they told me that in there letter. So I am not paying Moorcroft anything as they dont own it.

Just another one of thier nice letters they send out.

 

Listen to Curlyben he writes some really nice letters

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Darn, looks like I'll have to change them then.

They're not meant to be "nice" ;)

 

Remember under s175 of the CCA, requests to agents are meant to be passed to the OC for action, so there's no need to CCA Argos as well as one request covers them both.

Be VERY careful whose advice you listen too

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  • 3 weeks later...

Hi CB

Moorcrofts time is up now, they sent me the carpy App form, but nothing else. I have been paying Moorcroft, now for two accounts, this one and one they closed. Is it still too early to ask for a statement of accounts for each one. I didn't want to ask for the closed one, as didn't want to remind them that their time was running out on the Argos one.

Will it be OK for me to phone them, or is there a standard letter to send.

WHat happens then when I get a statement of account, how do I claim my money back.

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What if like the others it gets sent to another dca, should I then send them a sars, what i want is as I have been paying them, i don;t think it has been coming off the balance, so should moorcroft refund me, if I have been paying and it has come off the balance, then thats fine, but if it has been payed into their bank account and nothing else I want it back

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Unfortunately it's gone for good.#You could try and sue them for deception or obtaining money under false pretences, but in all honesty is it really worth the protracted time and effort.

Be VERY careful whose advice you listen too

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