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    • Before you start this claim you need to have a lot more confidence in what you're doing which means that you need to understand the way forward in the principles involved more thoroughly. We will help you and you will probably get your money back but this is a self empowerment forum and so you have to do your bit as well. Please will you spend at least the next couple of days reading through the stories on this sub- forum. Try to understand them thoroughly. We have lots of stories very similar to yours but even those which are not similar, have principles in them which apply. In particular you need to read and understand the information in the pinned topics at the top of the sub- forum. I know that you have been reading around here for the past couple of hours but it needs a lot more. You aren't in a huge hurry. Wait a few days before sending a letter of claim and also that needs some amendment as well. Come back here when you've done your reading and then we will have a look at your letter of claim and help you to refine it Also, please tell us the value of the laptop. Was it properly declared as a laptop – and was the value properly declared
    • 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.
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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.
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Creditors wont accept offer of final settlement - NDR, Natwest, Cahoot


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Help - I am new to the forum so hi to you all.

 

I am trying to find out if I am being lied to.

 

Long story - wont bore you with details, But I am in debt to Littlewoods Catalogue for £2647. It is one of a number of debts I am trying to settle. I have managed to raise a pot of money to try to offer final settlements to each creditor but it is not enough to pay debts in full. I used the letter that was shown in one of the threads to offer final settlements to each one.

 

Barclays Bank - no problem - accepted offer

NatWest wont budge they want the full amount

Cahoot wont budge also threatening to pass debt to DCA

 

NDR ignored my offer then when I phoned them they said that because the debt is for a catalogue and there is no interest added (like with credits cards etc) that they cannot lower the amount owed. Is this true or are they just trying to pull a fast one.

 

I have explained that the reason I want to settle all debts now is that I have been diagnosed with MS and I do not know how many years of work I will be able to do before I have to give up or take a lower paid/parttime job and then they will be very unlikely to get the rest of it paid any way. Better to settle for a lump sum now I thought.

 

To add insult to injury I have just been turned down for DLA too even though I have difficulty walking properly and even more trouble with trying to walk any kind of distance. But that is a whole different issue.

 

I just feel there is too much to handle at the moment and I want to simplify my life!!

 

Grateful for any advice or info.

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CCA, is that when you ask them for a copy of a signed agreement? I know that I signed papers when I started the credit card, Cahoot was done on line so no signature, Littlewoods I can't remember ever signing one.

 

If I have been paying small amounts would this not be me showing I accept I owe them the debt?

 

I don't think there were any cahrges. When I first negotiated reduced payments I got Littlewoods to pay back the admin charges.

 

I would need to check with Cahoot account but I think interest may still be added on this one but no additional charges

 

Natwest have frozen interest and no other charges are being added.

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Yes, you should send them a CCA request.....you may have signed an agreement, BUT do they still have a copy ? was the agreement properly executed ? will they send you just a copy of an application form ? will they provide one within the timeframes ? a lot of questions waiting for a lot of answers.....!!!

 

As for the small amounts you have been paying I think you are allowed to challenge a debt at any stage....

 

Just send them a CCA request letter for each - certainly at this stage it puts the accounts into dispute immediately....

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Wow, there is a lot more to this CCA stuff than I had thought. I will get on and do this today.

 

Thanks so much for your help, I feel much more positive than I did before.

 

Ooh one last question, when I send the letters do I stop paying the monthly payments or should I keep them going until it is settled?

 

Cheers

 

:p

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That is entirely your decision, but what most people tend to do as far as I know is they stop paying AFTER the default period that is 12 working days + 2 days grace after you send the CCA request.

 

Also do not hand sign the letter.....and send it via Guaranteed Delivery, with a £1 postal order. And you may also like to add at the top of the letter - I DO NOT ACKNOWLEDGE ANY DEBT TO YOUR COMPANY

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I read a thread the other day, and it was stated that littlwoods have never been able to produce a Credit agreement. However after the 12+2+31 days you stop paying them, they will probably register a default with all three CRA's. This will give you the problem of trying to get it removed from your file. You could let them Default then point out the fact that the debt is unenforcable, and would they reconsider your offer of settlement

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sdorry to hijack your thread bu ti am in a similar situation as you though iCCA them they give a copy which wasn't conform to CCA 1974 for credit card so i sent a cheque as full anf final offer they cashed in asi have a proof but still chasing me for th emoney. alrthoughwhen i complained to the police they told me that some of the document they sent me was a delioberate attemtp of deception and fraud so don't knwo whart to do now ? anyone any idea ?

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I read a thread the other day, and it was stated that littlwoods have never been able to produce a Credit agreement. However after the 12+2+31 days you stop paying them, they will probably register a default with all three CRA's. This will give you the problem of trying to get it removed from your file. You could let them Default then point out the fact that the debt is unenforcable, and would they reconsider your offer of settlement

 

 

Hmmnnn not so sure about the stopping paying after that amount of time, once the 12 working days has expired the debt enters into default and is unenforcable. there fore at that point you can refuse any further payments until their compliance with the CCA.

 

in addition, the rights to issue default notices come under the CCA 1974 s.87-s.89 therefore once the account in itself enters a default under s.77 or 78 the debt is unenforcable and in my humble opiniion the creditor loses the right to issue a default notice as, issuing such notice is an act of enforcement in itself.

 

Littlewoods,Kays et al are notorius for not ensuring that customers sign credit agreements before they issue them credit. however that said they have been known upon occiasion to actually have a copy of the agreement.

 

its always worth sending a CCA request though

 

 

regards

 

paul

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That makes sense.

 

I think it is highly unlikely that Littlewoods have anything like a credit agreement on record as I started this account many many years ago (probably over 15 years ago). I would be very surprised if they have any of the original application paperwork on file still.

 

Many thanks for your comments, will take all this on board

 

:p

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It funny as I have a littlewoods account and its actual in credit and they sent me a new CCA the other day to fill in. I of course sent it straigh to the dustbin:p

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Strange, maybe with all the thousands of letters they areprobably getting demanding proof of CCAs, they are trying to get existing customers who are in credit to sign CCAs in case they ever go into debt!

 

Bolting horse, stable door?

 

:p

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Hmmnnn not so sure about the stopping paying after that amount of time, once the 12 working days has expired the debt enters into default and is unenforcable. there fore at that point you can refuse any further payments until their compliance with the CCA.

 

in addition, the rights to issue default notices come under the CCA 1974 s.87-s.89 therefore once the account in itself enters a default under s.77 or 78 the debt is unenforcable and in my humble opiniion the creditor loses the right to issue a default notice as, issuing such notice is an act of enforcement in itself.

 

Littlewoods,Kays et al are notorius for not ensuring that customers sign credit agreements before they issue them credit. however that said they have been known upon occiasion to actually have a copy of the agreement.

 

its always worth sending a CCA request though

 

 

regards

 

paul

 

 

I've just finished reading your own thread and correct me if i'm wrong but they issued you with a default. I'm not trying to be argumentative but I would have thought it prudent to give people as much information as possible. As well as possible outcomes to their actions regarding CCA's and Littlewoods. Regardless of what the law states Littlewoods will issue a default and continue to chase people for the money.

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Also, don't sign anything when writing to Littlewoods. Even though Littlewoods don't hold agreements they insist that they have the right to carry on processing data. NDR and Littlewoods are a nightmare to deal with. My own case is with TS and I have sent the file to both the CE and Company Secretary. Case of waiting now.

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Hi Chris W

 

No problems, i agree that it is prudent to give people as much help and info as possible.without websites such as this one there would be many many consumers being shafted without knowing thier rights , atleast with the CAG people get a wide range of help on a wide range of subjects which can only be to the benefit of the consumers

 

in my opinion though,with regards to when to stop paying creditors, when the debt enters the default stage at the end of the 12 working days as described in the CCA1974 then you can quite legitimatley stop paying any creditor who hass failed to comply with their obligations under the Act

 

 

Littlewoods have not issued me with a Default notice as yet and i will challenge any such notice should they be foolish to do so.

 

in addition it is my opinion thatthey have lost such right to issue the said notice as they have failed to comply with the CCA 1974

 

regards

paul

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