this really is far too vague. If you want us to help you then we need better information. We also need you to address all of the questions which I put above. If you come here for us to help you then you have to help us to help you

You need to tell us something about the values involved. I'm afraid that failing on a scheme of regular payments and certainly not talking to the creditor is a very bad idea – but you probably realise this now. Under the things that you can do to help yourself is to start making some payments quickly. If you can make a lump-sum payment and then an undertaking that you will resume the instalments – then that will help. You need to do this in writing that you need to make the payment – even if they say they won't accept, make it anyway. More information please

Also, when did she start the employment. When did she finish. Was notice served by either side – details please. Why did she leave? You say that your daughter had a long-term illness – please can you tell us briefly what kind of illness this was and how long it endured. Did the company know about it? Is your daughter now clear of this illness?

Please can you tell us more about it. What was her normal wage and what is the extent of the alleged overpayment. How old is your daughter? And frankly you may as well name the company. There is no downside to you in this at all. Also, please will you follow this link – estoppel – and read what we have to say about it. This may well apply to you

I am back at my desk – and don't have to use a telephone. The message from the "Transcription Agency" – I take it, is the result of a contact from you asking them what has happened to the transcript and they have kindly copied you into a message which they have sent to the court. Is that correct? This is the transcript of the decision which was made in your pre-trial hearing?? Your notes documents represents your feelings about how your approach to the revelation of the Packlink document should be handled. This correct? I think it would be helpful if you would post this kind of thing as normal into a post in the thread rather than a separate PDF document. We would normally expect PDF documents to be some kind of official document or something which was sourced outside the thread. The query to DPD document – is the same. This is a document containing your own thoughts which would be much easier to deal with and less confusing if you could simply post them on the thread in the normal way. Once again, posting them as a separate document would normally suggest that they are some official document or something which has been sourced outside the forum. In terms of your feelings about how the information relating to the Packlink terms and condition should be revealed, I agree that they shouldn't be held on to the last moment. I agree that the court should not be misled – but I think that they can be held on to for a lot longer and certainly not revealed yet. We should wait for the Farooq transcript which I hope will be along in September. In fact I was going to suggest to you that you might be kind enough to make your own separate application for that transcript from the judge. We will supply you with all the details and you can explain that the transcript has been specifically requested by a judge in your own case. This should move it along. Of course we will pay the cost of the transcript. If it is an original copy then I expect it won't cost more than between 50 and 75 quid. If it is simply a copy of a case which has already been transcribed then it will only be a tenner or so. It will be helpful if you could post the contents or at least the summaries of those two PDF documents into a post. I would like to remove the PDFs because they are confusing to other people who might visit this thread and also make following the story very much more lumpy

And incidentally, we are volunteers here. We don't get paid. We have our own busy times at work and our own five-year-olds et cetera to look after during the summer break but we still find time to help you get your money back

I have also noticed that although we were advising you and asked to see your draft particulars of claim, you started to go it alone. In particular in your claim I see that you said that you are going to send further detailed particulars of claim. You haven't uploaded that document. Where is it?

Have you done the reading of the stories on this sub- forum? If you have then you will recognise the extraordinary similarities between the documents you have received and everybody else and you will understand the way forward. Have you done the reading? Have you received the directions questionnaire? When did you receive this defence document?

Sorry but I don't all together understand will post above.

My typo. Have a look back. I have corrected it

Write to them – and tell them that despite the MasterCard rules and regulations, they must have regard to the law and in particular the distance selling rules under the consumer contracts regulations. You have given a valid cancellation request to the supplier. They have not responded. You are now instructing your bank to abide by their obligations under section 75 consumer credit act which override any credit card rules and regulations. Note that this won't make a lot of difference but at least you get it down on paper. Also, tell your bank that you are starting an immediate complaint and you want it sent to the ombudsman.

Send the gym an SAR. It may produce nothing – but it doesn't cost anything and it might produce some helpful information. Do it today. We probably should have advised you to do this earlier

Well if you won't redact them then I'd really am not too sure how we can help you

Well – Big Fail! If you had come to us as soon as things started to go wrong we might have been able to sort things out. It's not as if we were going to charge you £300 an hour. We do it for free but this kind of thing just makes us work a lot harder then we need to. Please post up the claim form in PDF format and also your defence in PDF format. How long is the report? I suppose you had better post that up in PDF format as well

Mind you, seven months to pay the hearing fee and they still haven't done it – this could seriously undermine their attempt to have it reinstated Who was it who identified the joint expert?

You've been here since 2009 – did you never think to come and post here and laid out and ask us for help earlier on when this all started?

There was a cut-off deadline of 29th of August 2019 after which date it is pretty well impossible to submit a claim for PPI. When did you first attempt to make a claim? Also, you say that you have received two letters "over a space of time". What does that mean? Let's have the dates.

Safari.pdf

The late payment of the fee is a mere technicality. I would have thought that there will be no problem in having the claim reinstated. However it may be that the claimant will have to do this by means of an application notice for which the fee would be about 250 quid or so. If it does go to court and you lose you should certainly argue that the £250 fee for the application notice was incurred through the claimant's own fault and so you should not be made liable for this. Do we know about this? Why don't you tell us the story

@amarie22 it would really help us if you could answer the questions that we are asking. Also I'd like to know if the car has an MOT? Is it a recent MOT? Who issued it? If it wasn't issued by the dealer, was it issued by an MOT station close to the dealer? Have you written the letter which I proposed earlier?

Please can you tell us about the car. Make, model, year, mileage, price paid, how did you pay. How did you buy it? Did you go to the dealer? Did you buy it simply through some advert? Did you go to collect it? Was it delivered to you? Has it got a MOT? Is it a new MOT? Who issued the MOT? If the issuer wasn't the dealer, was it issued by some MOT station close to the dealer? All that for starters

There are several cases on the sub- forum where people have gone to mediation and have written excellent summaries. You will have to hunt around a bit but it will be well worth your while.

You can certainly try for mediation and hangout for the 2300 and simply put your heels in and refuse to back down. That way you wouldn't incur any trial fees. If the mediation fails or if you go to trial then you will certainly have to pay hearing fees equivalent to a claim for £2300. If you only win £999 then the cost you will be awarded will reflect a claim of that value. In other words you will lose a certain amount of your claim fee because you will have claimed more than you will have been awarded

Okay well the mediation should be straightforward but I can assure you that the sticking point will be the damages for conversion. You are absolutely entitled to damages for conversion but you can be certain that EVRi won't like it and I suspect that although you will be able to beat them up to the full value of the reimbursement, you will have to go to trial for the conversion damages. Of course it's up to you if you want to give way on the conversion damages. As you can imagine we will be very happy if you go on to trial and then win.

I'm afraid it was obvious that you were going to say it was by bank transfer. Big Fail! Why did you think it was by debit card? You say it had to come down by transporter. This means that you didn't even see the car? And also is not close to you. Where are you in the country?