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    • Hi all. Apologies for the delay. I was writing the timeline out, taking a while as I was checking everything against emails etc… then suddenly today the parcel started tracking again and appears to be magically found and back enroute.    I’ll post up the tracking info screenshots in a sec which kinda summarises the timeline - during the multiple “Enquiry Raised” events there was a lot of emails (most of which were ignored by Evri) before they finally admitted it was lost. And yet now it is back enroute. Utterly unbelievable 🤦🏻‍♂️ So no letter before claim has been drafted just yet…
    • You can SAR them again, to check.   If: a) they dealt with it as a complaint, b) stated that their response was a final response, c) noted that you could escalate it to FOS (and had 6 months in which to do so), and d) Didn’t say “we will waive our right to have to grant permission after 6 months”  Them : you can still take it to FOS but FOS would have to obtain their permission to review it outside of the 6 months (and that seems unlikely)  https://www.financial-ombudsman.org.uk/businesses/resolving-complaint/before-get-involved#:~:text=These time limits are%3A,they had cause to complain)  
    • I just checked the last email from them that I printed out.  It was directing me to a link to files as part of a data SAR (which I never called my request; they did). The email says the link would expire in 3 months.  Now my computer crashed later in 19.  I lost a lot of info. I need to check storage for old hard-drives to see if I downloaded and saved whatever info was in the link.   I have 1 other printed out email from my friend who was a broker. It was dated apx 6w after my first email to broker.  Friend was telling me what to include in a letter to compliance dept.  I don't have a printed copy of my letter - so can't remember if was entitled formal complaint - or their reply.   Will check storage later.  If I have anything useful I will post
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    • We have finally managed to obtain the transcript of this case.

      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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      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

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      This is good ethical practice.

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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Halifax debt sold to Cabot Apparently


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Hi

 

I defaulted on an overdraft with Halifax about 4 years ago,

the account kept going round in circles with Halifax charging me for going overdrawn which was putting me back to be being overdrawn or no access to funds.

 

I tried to fight them on it, but they were not budging and i got tired.

 

I stopped using that account and got a new current account and have never looked back.

 

However, Halifax have never contacted me about the debt,

I have moved twice since and looking at my credit file it seems they have sold the debt to Cabot and has my current address.

 

Cabot have never contacted me either, no emails or letters.

 

I was thinking of sending a SAR to halifax to see what charges have been added on,

what correspondence they think they have sent and the balance when it was sold to Cabot.

 

Before I do that though, i wanted to ask if anyone else had any better ideas of what my stance should be.

 

Thank you in advance :)

Egg - WAR!

Natwest - WAR!

First Direct - Got my money back - £ 3249.71

:o

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Your stance should be to do nothing unless and until Cabot start threatening, and even then you resist for as long as possible

 

Have Halifax got your new address? That would be the one that Cabot send paperwork to, so if that is up to date it should reduce the risk of them getting a CCJ against your old address and you then having to set aside

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Hi sidewinder

Thanks for reply. I'm concerned about how it's affecting my credit rating.

 

Your stance should be to do nothing unless and until Cabot start threatening, and even then you resist for as long as possible

 

Have Halifax got your new address? That would be the one that Cabot send paperwork to, so if that is up to date it should reduce the risk of them getting a CCJ against your old address and you then having to set aside

Egg - WAR!

Natwest - WAR!

First Direct - Got my money back - £ 3249.71

:o

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Hi sidewinder

Thanks for reply. I'm concerned about how it's affecting my credit rating.

 

Well you only have a further 2 years before it drops off and at which time it will become statute barred...so I would see it out if possible...until Cabot actually catch up with you.;

 

Andy

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