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    • 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
    • Well yes, ... and the tax dodgers ... Trump May Owe $100 Million From Double-Dip Tax Breaks, Audit Shows A previously unknown focus of an I.R.S. audit is a dubious accounting maneuver that effectively meant taking the same write-offs twice on a Chicago skyscraper. nytimes.com WWW.NYTIMES.COM  
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Total MBNA confusion....


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Hi everyone...

I am totally out of my depth with this one... it is on behalf of a friend. I will post regularly with any updates and hope that loads of my knowledgable friends will subscribe and help us along the way:

 

I have a very good friend whose partner is suffering with a very rare and it appears un-cureable illness. He went from being having his own limited company to being home "on the sick" in a matter of weeks. He had no time to prepare and was not able to sort his finances out in time, consequently he has been fighting with all the various companies he owes money to for the past couple of years... some are a lot easier than others.

MBNA is one of the challenges.. I am trying to help, if I can. Fortunately he had PPI insurance with them, so you would think that they should have been easy !!! If only... after various months of wrangling with their insurance dept, in January of this year he received a letter from them, saying they were paying a lump sum into his account, which would cover the account until September of this year and he knew that the amount they stated would clear the account in full............. excellent they thought, that's one less problem to deal with.

However, out of the blue about 6 weeks ago they received a letter from MBNA stating that he owed over one and half thousand pounds and it was seriously overdue (you know the sort of letter, "let us try to help you, contact us and we can help you sort this out") He was puzzled but not overly concerned, as this must be a mistake. Apparantly not... To cut a very long story short they phone him and write to him regularly and they are adamant that he does owe them this money. Even though the money was paid into the account at the begining of the year, it was to cover until September and he still owed them the monthly interest and PPI payments.

He had not received one statement from them this year..... when he queried that, they said that their was a postal block on his address as they had been informed that he was not living there any more, even though they have his mobile number (which has been the same for some years) and have not tried to speak to him once about this. Funny how the letter demanding repayment arrived at his address though!

We sent a SAR to them at the begining of July, clearly stating that we did not just want a list of charges, we wanted the whole of the account information. Typically they just sent the list of charges. So when we queried this they sent another form to him, for ID (which we had already sent) and asked for the cheque all over again. I wanted to persue the 40 days from the first letter, but my friends decided to start the process again. We are on approx day 30 I think now of waiting for this information to come through.

The card is about 6 years old, and was initially a card opened up in a super market.

I dont think that the charges (even including the interest( will cover the debt. Besides that, I dont think that the debt should even exist, so if we decide to persue charges it will be nice for my friend to be able to have a windfall, rather than just a clear account.

I will keep you posted as things develop. I just wanted to start the story off and hopefully some of you will subscribe to my thread and be ready to give some valuable and much needed advice shortly.

Should we CCA them yet? or leave that for a little while? Also, should you receive terms and conditions for the PPI in the SAR? That would make very relevant and interesting reading I think.

Thank you all in advance

I won against MBNA, Nat West , Barclays, Barclaycard and PPI payments from Barclaycard

Abbey National still to go.... what will I do with my spare time?

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Good grief, what a terrible thing your friend is having to deal with this, when he obviously has far more important things to think about.

 

I just thought all the way through that a complaint needs to be made. I would send for the CCA straight away. As soon as they don't comply, i'd make an offical complaint to them and then to all the relevant authorities. I am sure he would be supported because of the circumstances, it really is inhumane for them to harrass a person with such serious health issues.

 

Had he kept all the correspondence related to the PPI? I would imagine the PPI info would be with the agreement (what agreement i hear you cry). To be honest, in this situation, i would throw morals to the ground - no CCA = definitely no pay.

 

:evil:

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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Do you know what type of PPI it is that was taken out?

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 did not know there was more than one sort? What are the examples and I will find out if I can. I beleive that the company was St. Andrews or something very similar

I won against MBNA, Nat West , Barclays, Barclaycard and PPI payments from Barclaycard

Abbey National still to go.... what will I do with my spare time?

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MBNA phoned yesterday, my friends reminded them that they were waiting for SAR information and were not prepared to do anything with this account until this information arrived. The operator that phoned was not helpful towards them at all, although she did confirm that the SAR request had been received. My friend also told them that they were going to need more information too, and intend to request their CCA for this account. The operator asked why! Then the operator said that as they were not going to make a payment there was nothing she could do and the debt was going to be sold on....

Should we wait until the debt is sold on or should we send a CCA now?

I won against MBNA, Nat West , Barclays, Barclaycard and PPI payments from Barclaycard

Abbey National still to go.... what will I do with my spare time?

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It doesn't really matter, as when the debt is sold when you send the CCA request they just pass your request to the original creditor anyway. MBNA are pretty poor at keeping copies of the agreement anyway.

 

Link to PPI types is here http://www.consumeractiongroup.co.uk/forum/ppi/61081-ppi-some-notes-claimants.html

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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  • 2 weeks later...

The original SAR was sent off for on 4th July, so they are well and truly in default now. A letter arrived from MBNA a day or so ago, stating that unless a payment was made immediatly the debt was to be passed on.

I won against MBNA, Nat West , Barclays, Barclaycard and PPI payments from Barclaycard

Abbey National still to go.... what will I do with my spare time?

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As we all know, you have to keep at 'em. It's not what your friends want at the moment though is it? I think the main point is, if your friend opened the card in a supermarket it is unlikely MBNA have a proper agreement. They will know this, but i think they just test the water with customers to see how persistant they are.

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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  • 2 weeks later...

Small update.....

 

CCA request sent last Tuesday (4th September) today is the 12th..... No reply there yet.....

SAR details still not received, posted recorded 21.7.07, so that is in default now since the end of August.

 

Today a letter received, very stiff paper Pink and Red warning signs all over it, explaining they are preparing to take this matter to court so please phone this number and acknowledge, also have your debit card handy! Also letter stating that Debt collectors may get involved that will not be nearly as nice and helpful as MBNA,

 

 

What should our next step be?

I won against MBNA, Nat West , Barclays, Barclaycard and PPI payments from Barclaycard

Abbey National still to go.... what will I do with my spare time?

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A copy of MBNA complaints procedure please.

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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SAR stuff arrived yesterday, CCA looks like an application form to me. I will scan it when I am back to work next Wednesday. but get this! He clearly ticked the box saying NO to PPI !!! So they took the monthly payments, they paid up on the claim, yet it wasn't requested!!!

 

on Tuesday we are going to go through all this paperwork with a fine tooth comb,

I won against MBNA, Nat West , Barclays, Barclaycard and PPI payments from Barclaycard

Abbey National still to go.... what will I do with my spare time?

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S.A.R - (Subject Access Request) stuff arrived yesterday, CCA looks like an application form to me. I will scan it when I am back to work next Wednesday. but get this! He clearly ticked the box saying NO to PPI !!! So they took the monthly payments, they paid up on the claim, yet it wasn't requested!!!

 

on Tuesday we are going to go through all this paperwork with a fine tooth comb,

 

Hi Mrs Standing! Yep, exactly the same scenario for me - amazing what they think they can get away with. My CCA was just a single side of an Application Form and no prescribed terms/conditions/interest etc etc!

with the insurance box clearly with an X in the no box! Go for it!

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What am I mulling over is....... if we calculate via one of the spreadsheets every penny paid to MBNA via PPI, with contractural interest.. this should add up to be a tidy sum....then claim this money back MINUS the payment MBNA have already made?? does that make sense or is it ridiculous?

I won against MBNA, Nat West , Barclays, Barclaycard and PPI payments from Barclaycard

Abbey National still to go.... what will I do with my spare time?

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Because they charge interest on the monthly balance, which includes PPI insurance.... I am happy to be corrected here though

I won against MBNA, Nat West , Barclays, Barclaycard and PPI payments from Barclaycard

Abbey National still to go.... what will I do with my spare time?

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The trouble is that would be classified as mutuality and reciprocity - that was the basis of http://www.consumeractiongroup.co.uk/forum/halifax-bank-bank-scotland/97691-contractual-interest-precedent-lost.html which he lost. If you read on in the thread you will find other grounds, in particular unjust enrichment. Advice is to go for that. GaryH posted some excellent stuff earlier on today - (post #361 on that thread)

 

 

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Thank you Steven. I will spend some time this evening looking over that thread..

Have had a good look through the CCA and it is not, it is definately an application, no credit limit, no interest rate etc.

The SAR stuff is quite tricky, cos they have not sent any statements at all, therefore it is impossible to find out what the balance was when PPI was paid into the account, MBNA phoned yesterday and my friend has asked for the statements as well, to be fair he only needs the last 18 months or so, the rest is quite clear from the spreadsheet of transactions.

I won against MBNA, Nat West , Barclays, Barclaycard and PPI payments from Barclaycard

Abbey National still to go.... what will I do with my spare time?

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MBNA phoned yesterday saying the account is due to be defaulted at the end of the month..... we have asked again for CCA as only received application form, also asked for last 24 statements cos none were received and we need the breakdown of where this debt has come from... Strange thing is my friend informed MBNA they were taping the call, but the background noise was horrific, a pulsing noise rather like when a mobile phone signal is in the background, makes the recording rather hard to listen to in parts, was wondering if this was deliberate?

I won against MBNA, Nat West , Barclays, Barclaycard and PPI payments from Barclaycard

Abbey National still to go.... what will I do with my spare time?

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  • 1 month later...

statements still have not arrived. but today a letter was received from a DCA. my friends phoned them up and explained that this account was in dispute... the DCA chap was very pleasant (!!) and agreed that this was far from straightforward. He has been in contact with MBNA and has again arranged for the statements to be sent through to my friends... He also agreed with my friends comment, that on the face of it, this would be laughed out of court!!!!

 

I thought it might be a good idea if we SAR'd the Insurance company, St. Andrews.... what do you think?

I won against MBNA, Nat West , Barclays, Barclaycard and PPI payments from Barclaycard

Abbey National still to go.... what will I do with my spare time?

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