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    • Yup, well so far they have lied to me about responding to a CCA,  are threatening me with a default notice that they don't have, produced a knocked up version of my NOA, sent me 29 pages of spew for an agreement. No wonder they pay 5 p in the pound for that crap.
    • Paragraph 2. I think there should be further down and also you should make the point that the payment to was made unilaterally and without the imposition of any conditions. Paragraph 3 – this is unnecessary because you are not claiming as an entitled third-party. This worries me because it makes me feel that you haven't fully read around because this is a paragraph which you would include where you were suing EVRi as a beneficial third party because you had actually made your contract with Packlink or some other broker. I think you need to revisit and do some more reading. I'm afraid I have a sense that you have simply copied this from somebody else's witness statement without understanding that it wasn't necessary. Please can you post the amended draft. Other than the suggestions above, it looks okay – but let's see it again for a further appraisal. In terms of the evidence, parties bundle, I think it might be an idea to start off with the correspondence with EVRi and then go onto the other evidence. You will have to amend the index page accordingly. You could shorten this bit. Take 19 is pretty well blank and you may as well miss it out also, there seems to be some repetition of emails and the email chain. I think will be worth going through and getting rid of duplicates if you can. 49 pages is a bit long and it would be a good idea to try and reduce the number. I have a feeling that 50 pages as the County Court limit anyway. The judge will be happier with you if the bundle is smaller. Maybe you could reduce the size of some of the images or messages et cetera. You have got several messages which straddle onto a second page so that things like sign off information and standard confidentiality information become orphans. A bit of manipulation and they could be joined to their parents I think. Page 31 as an example. So is page 19. You may only be up to shorten the whole thing by 56 pages – but I think it would be a good idea. 56 pages is, after all, 10%. If you can do more then so much the better
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    • Hello,

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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.

      Frankly I don't think that is any accident.

      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.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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http://www.rbs.co.uk/content/persona...december07.pdf

 

Can anyone make out if there are any notable changes?

Im terrible with all that legal jargon.

 

I had a quick scan and noticed that the type of account i hold, royalties gold, will no longer be available to open.

It also says something about people who own these accounts (which will no longer be available to open) will have their account switched or CANCELLED by the RBS.

Is this a back lash to the bank charge reclaiming? I have reclaimed £480 on this account and am in the process of reclaiming £1800(its stayed) from my partner and I's joint account.

Will this give them power to pick and choose who's account will be closed??

 

 

On another note:

I shouldnt have this account in the first place as i never signed any agreement for the upgrade and yet i have been charged £6 a month in fees for the last 4 years(ive held my IPCA since i was about 6 and im now 25). I asked them last week to prove that i agreed to the upgrade and im waiting on a response.

What do you think my chances of getting my fees back?

 

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http://www.rbs.co.uk/content/persona...december07.pdf

 

Can anyone make out if there are any notable changes?

Im terrible with all that legal jargon.

yes there are... e.g.

a Paid Referral Fee.

an Unpaid Item Fee.

a monthly charge known as a Maintenance Charge; and etc.

 

I had a quick scan and noticed that the type of account i hold, royalties gold, will no longer be available to open.

It also says something about people who own these accounts (which will no longer be available to open) will have their account switched or CANCELLED by the RBS.

Generally banks have the right to terminate accounts if they wish; this is the case even where accounts are of aa type that is still available to open

Is this a back lash to the bank charge reclaiming?

No, it's pretty common for banks to change their account structure

I have reclaimed £480 on this account and am in the process of reclaiming £1800(its stayed) from my partner and I's joint account.

Will this give them power to pick and choose who's account will be closed??

In effect they already have this power, but to use it because of a claim would be counter to the FSA waiver.

 

On another note:

I shouldnt have this account in the first place as i never signed any agreement for the upgrade and yet i have been charged £6 a month in fees for the last 4 years(ive held my IPCA since i was about 6 and im now 25). I asked them last week to prove that i agreed to the upgrade and im waiting on a response.

What do you think my chances of getting my fees back?

You might have a case, but most judges would think if you had it for six years, you should have noticed at some point.

 

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Thanks very much m8.

I noticed the monthly fee for an unauthorised overdraft on my last statement.

£28 the cheeky sods.

 

It now means that if i go over my overdraft by as little as £0.01 i will be charged instantly £34 and then a further £28 art the end of the month.

 

Great!

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