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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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      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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Scare tactics from Link Financial Ltd


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Hello everybody,

Just joined you in this forum. Have been on the bank charges re-claim for many weeks now.

 

My son has got himself into quite a bit of debt. He has no landline and no access to a Word Processor. To this end I've asked him to sent all correspondence from claimants to me, so we can try and negotiate. He really wants to get sorted out. My first call came from Link Financial Ltd.

who had acquired a debt of £2763 from MBNA. I asked them to sent me written details, which they duly did (no CCA though). They phoned yesterday demanding all the money, I said no, my son could not afford.

THey then said it had to be paid in a year at £230.26 per month, again I said he couldn't afford, so they suggested £100.00 per month. I said I would discuss this with my son and would they call me after the weekend and that once we had reached a satisfactory agreement, he would set up a direct debit. No said they, it must be paid with a debit card and then went ask for my debit card. I said no - was not paying it, but helping him to sort everything out. They then told me the debt was mine!!!My son is 26 and hasn't lived home for 8 years! I was shocked, so told them to phone them after weekend. Dived into this site and decided I needed time to research, so sent Letter A, asking them for 28 days etc. I also need time to find his other debts, so we can work out a plan.

Has this happened to anyone else?

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1st never speak to them on telephone

2nd never speak to them on the telephone

3 CCA them, £1 postal order send by recorded

that will shut them up for a while,

in the CCA metion that you are aware of the telecommunications act 2003 section 127 and you will enforce it should they phone you again

If my advice has been helpful please feel free to click on my scales :grin:

 

Creditors and DCAs - Letter Templates & Budget Planner (CCA request letter N)and other templates)

 

Debt Collection Agencies & Statutory Demands, a few strategies

 

Abbey charges, Won

B-card non-disclosure of S.A.R, WON £30 costs awarded

B-Card, court for harrasement, failed to defend WON £175 http://www.consumeractiongroup.co.uk/forum/general-debt-issues/125554-28-days-later-no.html#post1422508

B-Card charges, partial refund, still fighting

Vanquis-Cabot, GIVEN UP :lol:

HFC & my mum, no brainer, no CCA http://www.consumeractiongroup.co.uk/forum/general-debt-issues/133330-hfc-my-mum.html#post1404514

 

PLEASE donate to CAG however small. They are fighting for YOUR rights as a consumer. http://www.consumeractiongroup.co.uk/forum/

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Hi,

 

No CCA, you say. Have Link admitted they don't have one, or are they claiming they don't need to send it? Either way, without one they don't have a right to be asking for anything. What paperwork are they relying on?

 

When and if the time comes to pay them, you're absolutely right not to give them a debit card number. Basically they can then take what they like, when they like. If it does turn out to be a legally enforcable debt, a standing order keeps you in control. They've not right to refuse any reasonable offer of payment, by any generally recognised means.

 

Anyway, that's getting ahead of ourselves. You say you requested paperwork - did you make a specific request for a copy of the credit agreement? If not, make that your next move. Letter N from the templates, and ensure you include "I do not acknowledge any debt". Get your son to sign it, and send it recorded delivery.

 

I'd also include a paragraph to the effect that as your son is not at your address, your phone number should be removed immediately from their database as you have never consented to your data being processed. Insist that any further communication is in writing. I know it's tempting to phone them, but Link are parasites who will deny conversations as and when it suits them.

  • Barclays: WON!!! It took four months but was totally worth it!
  • Cabot: I'm still waiting for an enforcable agreement, more than a year after requesting it. Go on, Uncle Ken, take me to court if you dare. You know you want to!
  • Elephant.co.uk: VICTORY - they admitted there was no debt!
  • Ashbourne Management (gym membership): Finally got my default removed and out-of-court settlement; I'm not finished with them yet!

<--- If I've been helpful please remember the scales ;)

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i would also SAR them £10 bet you find there be few unlawfull charges on account aswell :)

If my advice has been helpful please feel free to click on my scales :grin:

 

Creditors and DCAs - Letter Templates & Budget Planner (CCA request letter N)and other templates)

 

Debt Collection Agencies & Statutory Demands, a few strategies

 

Abbey charges, Won

B-card non-disclosure of S.A.R, WON £30 costs awarded

B-Card, court for harrasement, failed to defend WON £175 http://www.consumeractiongroup.co.uk/forum/general-debt-issues/125554-28-days-later-no.html#post1422508

B-Card charges, partial refund, still fighting

Vanquis-Cabot, GIVEN UP :lol:

HFC & my mum, no brainer, no CCA http://www.consumeractiongroup.co.uk/forum/general-debt-issues/133330-hfc-my-mum.html#post1404514

 

PLEASE donate to CAG however small. They are fighting for YOUR rights as a consumer. http://www.consumeractiongroup.co.uk/forum/

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djdave, dont sign letter, we know what these idiots like for copyin signatures

If my advice has been helpful please feel free to click on my scales :grin:

 

Creditors and DCAs - Letter Templates & Budget Planner (CCA request letter N)and other templates)

 

Debt Collection Agencies & Statutory Demands, a few strategies

 

Abbey charges, Won

B-card non-disclosure of S.A.R, WON £30 costs awarded

B-Card, court for harrasement, failed to defend WON £175 http://www.consumeractiongroup.co.uk/forum/general-debt-issues/125554-28-days-later-no.html#post1422508

B-Card charges, partial refund, still fighting

Vanquis-Cabot, GIVEN UP :lol:

HFC & my mum, no brainer, no CCA http://www.consumeractiongroup.co.uk/forum/general-debt-issues/133330-hfc-my-mum.html#post1404514

 

PLEASE donate to CAG however small. They are fighting for YOUR rights as a consumer. http://www.consumeractiongroup.co.uk/forum/

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i would also S.A.R - (Subject Access Request) them £10 bet you find there be few unlawfull charges on account aswell :)

 

I'd be more tempted to S.A.R - (Subject Access Request) the original creditor - they're more likely to have all the statements.

 

Although, that said, Link's response to my Subject Access Request was rather amusing. I'm currently waiting for a court date ;)

 

:)

 

Good advice about the signature - I've got a "special" sig I use on letters like these :D

  • Barclays: WON!!! It took four months but was totally worth it!
  • Cabot: I'm still waiting for an enforcable agreement, more than a year after requesting it. Go on, Uncle Ken, take me to court if you dare. You know you want to!
  • Elephant.co.uk: VICTORY - they admitted there was no debt!
  • Ashbourne Management (gym membership): Finally got my default removed and out-of-court settlement; I'm not finished with them yet!

<--- If I've been helpful please remember the scales ;)

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lol ok gotta spend £21 then, CCA to DCA, SAR to DCA SAR to OC. go whole 9 yards, mind you it would be very interesting to see if any discrepencies between OC and DCA

If my advice has been helpful please feel free to click on my scales :grin:

 

Creditors and DCAs - Letter Templates & Budget Planner (CCA request letter N)and other templates)

 

Debt Collection Agencies & Statutory Demands, a few strategies

 

Abbey charges, Won

B-card non-disclosure of S.A.R, WON £30 costs awarded

B-Card, court for harrasement, failed to defend WON £175 http://www.consumeractiongroup.co.uk/forum/general-debt-issues/125554-28-days-later-no.html#post1422508

B-Card charges, partial refund, still fighting

Vanquis-Cabot, GIVEN UP :lol:

HFC & my mum, no brainer, no CCA http://www.consumeractiongroup.co.uk/forum/general-debt-issues/133330-hfc-my-mum.html#post1404514

 

PLEASE donate to CAG however small. They are fighting for YOUR rights as a consumer. http://www.consumeractiongroup.co.uk/forum/

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everybodysmum, if there are other debts really don't think about them now, some can take a long time to show them selves so hold barr on contacting other creditors, wait for them to contact you, there no point of dragging yourself down.

If my advice has been helpful please feel free to click on my scales :grin:

 

Creditors and DCAs - Letter Templates & Budget Planner (CCA request letter N)and other templates)

 

Debt Collection Agencies & Statutory Demands, a few strategies

 

Abbey charges, Won

B-card non-disclosure of S.A.R, WON £30 costs awarded

B-Card, court for harrasement, failed to defend WON £175 http://www.consumeractiongroup.co.uk/forum/general-debt-issues/125554-28-days-later-no.html#post1422508

B-Card charges, partial refund, still fighting

Vanquis-Cabot, GIVEN UP :lol:

HFC & my mum, no brainer, no CCA http://www.consumeractiongroup.co.uk/forum/general-debt-issues/133330-hfc-my-mum.html#post1404514

 

PLEASE donate to CAG however small. They are fighting for YOUR rights as a consumer. http://www.consumeractiongroup.co.uk/forum/

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Thank you all so much for your instant help. I didn't know about CCA until they scared me yesterday and I started researching this site. Should I ask for the SAR at the same time as the CCA.

They're absolute bullies.

When I have got all his debts together should I go for Payplan. or prepare budgets etc. myself. I'm pretty good at that sort of thing, having been a Bookkeeeper. I was so chuffed when I was before the judge In Cardiff C.C. re bank charges and he told me my paperwork was very well presented. Not that I've got them back yet!

 

When I sent Letter A, I signed per pro for my son, so they're not getting his signature!!

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Thanks Mrmarmite,

I think, some of the other creditors have caught up with him, at his father's address, shall know after this weekend who and what.....

This is why I wanted to work out some kind of plan.

 

yet again don't worry bout others, do same when show up send CCA letter. if you start paying a debt off when another 1 comes along simply lower amount to 1st DCA and offset to 2nd ect, as long as you make payments even if only £5 per month, they can't do anything.

 

anyway me personally would send the DCA a CCA and send origional creditor a S.A.R to see how much there are in charges, if there a lot take them to court, half of debts will go away because they made mostly up of charges :)

If my advice has been helpful please feel free to click on my scales :grin:

 

Creditors and DCAs - Letter Templates & Budget Planner (CCA request letter N)and other templates)

 

Debt Collection Agencies & Statutory Demands, a few strategies

 

Abbey charges, Won

B-card non-disclosure of S.A.R, WON £30 costs awarded

B-Card, court for harrasement, failed to defend WON £175 http://www.consumeractiongroup.co.uk/forum/general-debt-issues/125554-28-days-later-no.html#post1422508

B-Card charges, partial refund, still fighting

Vanquis-Cabot, GIVEN UP :lol:

HFC & my mum, no brainer, no CCA http://www.consumeractiongroup.co.uk/forum/general-debt-issues/133330-hfc-my-mum.html#post1404514

 

PLEASE donate to CAG however small. They are fighting for YOUR rights as a consumer. http://www.consumeractiongroup.co.uk/forum/

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They then told me the debt was mine!!!

 

ho ho ho thats got to be the best line i have ever heard from a DCA!!!

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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MBNA Europe Bank Limited, Registered Office: Stansfield House, Chester Business Park, Chester, CH4 9QQ.

 

You need to be smart with Link, they'll issue proceedings at lightening speed. Get the requests sent, and send by special delivery if the cost isn't an issue.

 

You need to be as smart as them and just as fast.

 

Best wishes, Dave.

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Hold off on the S.A.R - (Subject Access Request)'s for the moment and stick to CCA on the DCA's.

If the DCA fails to comply to the CCA request after 12 working days + a month the account is in CRIMINAL default and needs court powers to enforce it.

Obviously if they do supply a completely legit CCA then SAR the original creditor and go for the charges, telling the DCA exactly what you are doing.

 

There is NO point trying to run before you can walk. Take things slowly and easily and you'll get a better result in the long run.

 

As a rule of thumb:

DCA - CCA

OC - SAR (for charges).

Be VERY careful whose advice you listen too

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An update. On 23rd Aug. I sent of letter asking for 28 days to sort things (Letter A I think). On 28th Aug. sent Letter N asking for CCA. Both sent recorded delivery.

They phoned me today, but I was out so didn't get the call. Then they phoned my son

"I don't know what you and your mother think you're up to - but you owe us this money"

What are they like?

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You should be pleased with that response from them . It is an indication of the ineptitude of the company to counter a cca request with a reply like that. They do not have it I bet , and resorting back to insults they think they will get you to forget your legitimate request and pay their illicit demands just on the strength of their 'you owe us' . What fools they employ these days .

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Did you tell them you will only deal with them in writing to remove your telephone number from their database? If you did and they start ringing, answer all calls and say "go away", as politely as you can. Keep a log of all calls and ask for the person's name and position within the company. Then report them to Ofcom for phone harrassment and write to OFT questioning their right to hold a consumer credit licence. make a fuss!

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An update. On 23rd Aug. I sent of letter asking for 28 days to sort things (Letter A I think). On 28th Aug. sent Letter N asking for CCA. Both sent recorded delivery.

They phoned me today, but I was out so didn't get the call. Then they phoned my son

"I don't know what you and your mother think you're up to - but you owe us this money"

What are they like?

Do you have any way of recording calls? If they're resorting to those pathetic tactics, it would be very useful to have them saved to produce either in court or in your complaint to the OFT.

  • Barclays: WON!!! It took four months but was totally worth it!
  • Cabot: I'm still waiting for an enforcable agreement, more than a year after requesting it. Go on, Uncle Ken, take me to court if you dare. You know you want to!
  • Elephant.co.uk: VICTORY - they admitted there was no debt!
  • Ashbourne Management (gym membership): Finally got my default removed and out-of-court settlement; I'm not finished with them yet!

<--- If I've been helpful please remember the scales ;)

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MBNA Europe Bank Limited, Registered Office: Stansfield House, Chester Business Park, Chester, CH4 9QQ.

 

You need to be smart with Link, they'll issue proceedings at lightening speed. Get the requests sent, and send by special delivery if the cost isn't an issue.

 

You need to be as smart as them and just as fast.

 

Best wishes, Dave.

No matter how quick they issue the proceedings they still need a CCA.:D

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Thanks you all for your support.

I'm curious as to the difference between debt collectors

Some collect the money on behalf of their client presumably for a percentage and some say they have bought the debt off the OC. Is this true? If so how can they afford to buy up all these debts? Yhey must be worth millions

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The debt "purchasers" typically only pay a small percentage of the book value of the accounts, normally no more than 10 or 12% and sometimes even less depending on the account.

Now the difference between various DCA's is very clouded as is the vehicle that is used for purchase, but safe to say that when debts are sold they are normally as a block of a few hundred plus. This is one of the main reasons why the paperwork isn't normally complete.

 

Once they have purchased these "debts" they then proceed to try and enforce the FULL amount to the debtor, hence making a huge profit into the bargain.

 

 

WoooHoooo 2,000 Posts

Be VERY careful whose advice you listen too

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