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    • Is the letter headed Letter of Claim/before Claim or similar? If not, it sounds like more of the threatogram chain. If you're not sure, post up an anonymised copy of the letter and we'll check. HB
    • So guess what, we have received a final demand letter for £100. It states if payment is not made by 11/06 they will have no option but to forward the case to their litigation dept with a view to commence County Court Proceedings. So just wondering if anyone has any advice. Do we ignore this? or do we need to take action? Thanks 
    • hi dx, thanks for helping just re-reading everything this morning and I must have missed this one from uncle in his thread "What you should not do, is not contact the Banks and simply default on payments. "  are you in disagreement with this based on your last sentence?
    • Thanks for the reply and clarification, that might just explain why in my case contact has pretty much ceased. Though with such companies it doesn't mean they won't ever threaten to return to court as a tool to force one's hand if they feel they are not self informed on their chances etc.  But concerning how last year they tried to use the CCJ to get a charging order and the court granted an intirum order on our mortgage using the CCJ that would have been a good 2-3 months beyond the 6 years, should the court not have checked the age of the CCJ in the first case or would they always grant an interim order simply off the back of a CCJ being produced without even checking the age of it?.  Had I not defended that action at the time they may well have got a default using a CCJ older than 6 years which could be a concern going forwards. At the time when I contacted the court to question the paperwork for a final order application the clerk suggested people don't get informed when companies apply for interim charging orders, they are automatic if a claimant has a CCJ and people only get contacted once a date for a final order application goes through. kind of begs the question if such companies can continue a seemingly backdoor method to attempt default action if un-defended if the initial application doesn't need to check the age of a CCJ?.
    • Hello!  Wondering if someone can help with this.  I suspect not but worth a go.  I appreciate the "contract is with the seller" line, which is what Evri has fed me but wanted to see if someone with experience in these things could suggest anything else I could do here.  I appreciate there are many topics about lost parcels - My parcels weren't lost, until the driver walked up to my door with them and then decided to make them lost/stolen... I'll summarise what has happened.  Wednesday of last week - Evri delivery driver stole / walked off with 3 of my parcels.  -  Arrived outside my properly, took photos (3 separate photos as its 3 separate deliveries) of the tops of the parcels (pointlessly zoomed in on just the labels, couldn't see anything else, other than a small piece of the pavement and a little weed, which doubly confirms it was outside my door as I can see the same plant), marked the order as delivered and walked off with them.  He's marked on the Evri GPS marked that he was outside.   -  3 different deliveries, from the same company (same boxes etc.), but 3 separate tracking numbers. -  Went through the Evri bot which opened a case on each tracking number.  I then phoned them and left a voicemail explaining what had happened. -  24 hours later had a canned response asking me if the packages had turned up and to check around etc..  I responded explaining again what happened and that they've definitely been taken. -  4 days later,  this morning, I get a response telling me to ask the merchant to refund me. I've responded to this message with a long email, repeating what I said, that I believe the driver has stolen these packages and that he took those suspicious top down shots of the packages, marked them as delivered without ringing or knocking etc.  I've said that I expect them to investigate further, but I gather they won't. In my several messages to them initially and later, I told them I don't care about a refund and wanted the parcels.  They contain some sentimental stuff, nothing of high monetary value, hence me going to this trouble.  I only paid £25 for the contents. I did contact the merchant when this first happened and they asked me to wait a few days.  They ended up refunding me despite me asking them not to and that I wanted them to escalate it with Evri because this appears to be a case of theft.  They didn't seem bothered - Refunded me and told me to go back to Evri and escalate it with them? So - Is there any way to compel Evri to conduct a proper investigation with this driver?  Search for my parcels? I have quite a lot of deliveries handled by Evri (not out of choice) - They used to have a fantastic chap and I rarely had any issues.  He has been replaced by a new guy and I believe the route is handled by this same guy who I believe has taken my packages.  Naturally, I fear this is going to happen again in the future if no investigation occurs. Appreciate any assistance - Thanks for reading. Al.  
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lloydstsb credit card ppi


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Sorry Cougar, it is for bank charges.

 

You know they won't comply with that request, but worth a try.

 

Hello HHNF. . .

WARNING TO ALL

Please be aware of acting on advice given by PM .Anyone can make mistakes and if advice is given on the main forum people can see it to correct it ,if given privately then no one can see it to correct it. Please also be aware of giving your personal details to strangers

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Sorry Cougar, it is for bank charges.

 

You know they won't comply with that request, but worth a try.

 

Hello HHNF. . .

 

hi uka

 

are you talking about the third part or all of it? lol

 

to be honest with you, i dont mind if they dont comply because, i would find that suspicous, as will the judge (fingers crossed)

 

many thanks cougar

 

p.s hi bb

Lloyds TSB Acc Charges - Settled 08/02/2007:D

 

Alliance & leicester - PPI Removed from loan :)

Lloydstsb Credit Card PPI - Getting both barrels now:wink:

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Pretty much all of it Cougar. They won't comply, sending in details of bonus payments of their sales staff is sensitive material.

 

I asked for training documents from Capital One a while back, to make sure their staff had adequate training in PPI etc, no a peep out of them.

 

They have since said that they will be sending a Barrister to my collegues hearing in October, to sort us out. . . :cool:

 

Should be fun. We will post everything up after the case has been heard, as they are monitoring everything here.

WARNING TO ALL

Please be aware of acting on advice given by PM .Anyone can make mistakes and if advice is given on the main forum people can see it to correct it ,if given privately then no one can see it to correct it. Please also be aware of giving your personal details to strangers

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UK what a genius idea, requesting staff training docs using a CRP 18 request. I shall make a note of that one for use with another organisation in a PPI claim who I imagine will not comply as they don't have any either ... :)

 

Sorry to jump in on this so late, but I've used the CPR 18 with Barclaycard to obtain docs that they were tardy in forwarding. They didn't comply with the request, instead folding and paying up before the court date.

 

To clarify, my CPR request was worded thus:

Date

Request for documents

Dear Sir or Madam

 

I have on (date( issued a small claim in the X Court against X for the return of (description).

 

Pursuant to Pre-Action Protocol 4.6© of the Civil Procedure Rules, I would be grateful if you could forward to me as a matter of urgence the following documents:

 

1.) A true copy of

2.) etc

 

I look forward to your compliance in this matter.

 

Yours faithfully

 

Name

 

CC The Court Manager

X Court

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UPDATE,,...

I sent the statement off that i had to,..and also enclosed the cpr part 18 request for information.

And Ive recieved an offer in the post today for about half of the total claim including 8% interest.

So,. ill be sending them a refusal letter asap, informing them that i require total amount including contractual interest. :-D

Lloyds TSB Acc Charges - Settled 08/02/2007:D

 

Alliance & leicester - PPI Removed from loan :)

Lloydstsb Credit Card PPI - Getting both barrels now:wink:

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UPDATE,,...

I sent the statement off that i had to,..and also enclosed the cpr part 18 request for information.

And Ive recieved an offer in the post today for about half of the total claim including 8% interest.

So,. ill be sending them a refusal letter asap, informing them that i require total amount including contractual interest. :-D

 

Hello Cougar,

 

Progress at last:grin:

 

Hey don't send them a refusal letter, send them a letter accepting their offer as part settlement, but you will pursue them for the rest:grin: to resolve your complaint

If any of my posts are helpful, please feel free to click my scales. All information is given as my opinion only, based on my own personal experiences. I have no legal training, but have educated myself in aspects of consumer legislation. My motto "NEVER GIVE IN, NEVER SURRENDER", THERE IS A WAR ON YOU KNOW

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Hello Cougar,

 

Progress at last:grin:

 

Hey don't send them a refusal letter, send them a letter accepting their offer as part settlement, but you will pursue them for the rest:grin: to resolve your complaint

 

Ok thanks hhnf

progress is slow but we are getting there :wink:

Lloyds TSB Acc Charges - Settled 08/02/2007:D

 

Alliance & leicester - PPI Removed from loan :)

Lloydstsb Credit Card PPI - Getting both barrels now:wink:

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  • 4 weeks later...

Hey Cougar,

 

Any update on this please:D

If any of my posts are helpful, please feel free to click my scales. All information is given as my opinion only, based on my own personal experiences. I have no legal training, but have educated myself in aspects of consumer legislation. My motto "NEVER GIVE IN, NEVER SURRENDER", THERE IS A WAR ON YOU KNOW

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Hey Cougar,

 

Any update on this please:D

 

hi hhnf:)

 

in court again tomorrow, sorry for not updating,..

 

they have been so slack getting me all the info.

 

firstly they asked for more time to supply a witness statement, so i made a trip to court to supply information that i sent the letter special delivery and they recieved it much earlier than they said.

the judge gave them more time anyway.

 

now they have provided the statments 2 days ago,..and a letter stating that the reason is becuase the account manager was on annual leave and couldnt sign the statment,....(first reaction ,...REALLY,..so how did he make a witness statment??)

 

I am completely fed up with them and so, i hope, is the judge.

 

I have so many issues with their conduct, it is hard remembering it all, talk abouyt abusing the court process!!:mad:

 

 

Also the court have said to allow 2 and a half hours for the case to be heard. I find this hard to beleive as they have also said the case is block listed with an hour slot for my case.:confused:

Lloyds TSB Acc Charges - Settled 08/02/2007:D

 

Alliance & leicester - PPI Removed from loan :)

Lloydstsb Credit Card PPI - Getting both barrels now:wink:

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Hello Cougar,

 

You are truely on the right side of this now:D. Have you done a list for yourself to prompt your strong points of arguement:D

 

Do not allow the others side's barrister to undermind your confidence before you go in front of the judge. Tell them the only conversation you will have with them is to settle the matter on your terms:D ie the cough up the money.

 

 

Take a deep breath and think before you speak:-D

 

I will be thinking of you and wishing you good fortune and success:-D

If any of my posts are helpful, please feel free to click my scales. All information is given as my opinion only, based on my own personal experiences. I have no legal training, but have educated myself in aspects of consumer legislation. My motto "NEVER GIVE IN, NEVER SURRENDER", THERE IS A WAR ON YOU KNOW

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Hello Cougar,

 

You are truely on the right side of this now:D. Have you done a list for yourself to prompt your strong points of arguement:D

 

Do not allow the others side's barrister to undermind your confidence before you go in front of the judge. Tell them the only conversation you will have with them is to settle the matter on your terms:D ie the cough up the money.

 

 

Take a deep breath and think before you speak:-D

 

I will be thinking of you and wishing you good fortune and success:-D

 

hi again hhnf

 

just got back. i did get a pay out, but not what i was anticipating.

 

the claim was split into two parts firstly the initial application was signed for and so she saw no reason to assume that those charges were unlawfully taken.

the second part she said was obviously not legal. and therefore awarded those charges plus interest.

This is the part that makes me a bit angry.

she went on to say that the actual amount of interest charged on those payments was actually not 27.9 and therefore said she would only award what i had actually been charged which is in the region of 15%.

 

im thinking that because i did not have those calculations to hand for the duration of the claim and also the rate of 15%, she decided it would be easier to award 8% on the entire claim, and then to rub salt in, the barrister said that would mean i would be over compensated on certain parts more than others, so he sdvised she split the amount of interest in half like they do in personal injury claims.

 

so i actually got 4% on half the amount i claimed????

 

they now have 28 days to pay up. Although im strongly considering appealing on mathmatical grounds!!

Lloyds TSB Acc Charges - Settled 08/02/2007:D

 

Alliance & leicester - PPI Removed from loan :)

Lloydstsb Credit Card PPI - Getting both barrels now:wink:

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so i actually got 4% on half the amount i claimed????

 

they now have 28 days to pay up. Although im strongly considering appealing on mathmatical grounds!!

 

HEY ,..After a bit of a sulk i have calmed down only to realise that actually i now see what they are saying.

 

Ive just done the calculations, and actually 4% on the whole amount is actually the same as 8% calculated daily all bar about £100. so all is not lost.

 

I feel much better for knowing that,..and i know claiming the extra interest would be nice, but its done now and i just have to except it.:)

 

HHNF ONCE AGAIN YOUR A STAR, SORRY I DIDNT THANK YOU EARLIER.

I would never have had the stomach for all this without your constant support and advice. The court process is enough to drive anyone mad.

 

And maybe i didnt get what i wanted but i now have invaluable knowledge into the justice system and what to expect the next time an institution crosses my path!!

 

BRING IT ON !!

 

thanks to all who posted on this thread,..LONG LIVE CAG!!

Lloyds TSB Acc Charges - Settled 08/02/2007:D

 

Alliance & leicester - PPI Removed from loan :)

Lloydstsb Credit Card PPI - Getting both barrels now:wink:

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HEY ,..After a bit of a sulk i have calmed down only to realise that actually i now see what they are saying.

 

Ive just done the calculations, and actually 4% on the whole amount is actually the same as 8% calculated daily all bar about £100. so all is not lost.

 

I feel much better for knowing that,..and i know claiming the extra interest would be nice, but its done now and i just have to except it.:)

 

HHNF ONCE AGAIN YOUR A STAR, SORRY I DIDNT THANK YOU EARLIER.

I would never have had the stomach for all this without your constant support and advice. The court process is enough to drive anyone mad.

 

And maybe i didnt get what i wanted but i now have invaluable knowledge into the justice system and what to expect the next time an institution crosses my path!!

 

BRING IT ON !!

 

thanks to all who posted on this thread,..LONG LIVE CAG!!

 

Hello Cougar,

 

I am glad you are a bit happier with the result:-D and don't forget how brave and clever you where to start this process in the beginning and you took them to the wire and won:grin:

 

Don't forget to post on the success thread

If any of my posts are helpful, please feel free to click my scales. All information is given as my opinion only, based on my own personal experiences. I have no legal training, but have educated myself in aspects of consumer legislation. My motto "NEVER GIVE IN, NEVER SURRENDER", THERE IS A WAR ON YOU KNOW

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