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    • Thank you JK2054 and BankFodder for your replies. The information requested is as follows:   My wife and I are sole traders supplying bespoke, handmade wedding trays and other items through our website. We do not sell on ebay. We had an order for two trays (invoice value £370) that were shipped on Monday 25th March. We used P2G as the broker and Evri as the shipper. We declared the value but did not take out insurance. As the trays were a present for a wedding on Saturday 30th March we checked the progress of delivery on the Thursday to see that there had been an attempt to deliver on the 27th but the driver failed to deliver as the customer’s gate was shut (customer informs us that the gates are open between 7am-7pm. We contacted the customer who informed us she had been waiting in all week and there had been no attempt of a delivery. Evri allege they attempted to deliver on the 28th & 29th. On the P2G web site on the 4th April at 14.17 it stated that the customer refused delivery. At 14.28 it updated to say there was a problem with the address and at 14.32 updated to say the customer had refused delivery. At 14.35 updated again to say it was being returned. Last entry was on the 7th April that it was being processed at the depot. We never received it. I have had six web chats with P2G between the 4th-30th April. On the 26th April, I had an offer of £20 plus cost of delivery (£6.72) from P2G which I rejected. During this time, I also contacted Evri that resulted in an email from Evri Customer Services (20th April) stating that they had lost the parcel. I replied requesting details of the attempted delivery but received no reply. After emailing Evri again on the 23rd asking again for the information I received a phone call from someone called Haleemah on the 25th who apologised and promised to send an email with a link to submit a claim form. I subsequently received an email with the link which only took me to a page that stated “Page not found”. After informing Evri customer services of the problem (to which no reply was forthcoming) a couple of days later I retried the link but it only took me to the Evri website. I believe that I have a good case against both companies but would appreciate guidance on which path to go down. I have read most of the information on this site, which has been very helpful and much appreciated, particularly the various court transcripts. I appreciate that this process is a marathon and not a sprint and am fully aware that I need to get everything in the correct order before starting on the legal road. I am sure this covers the current position but if further info is needed please let me know.  
    • Everything at small claims revolves around informality and common sense, there are no "special" ways to have to do things. The site manager's WS will be like yours and the one I linked to - just much shorter.  There need to be the introductory hearings about the case, the parties, etc., and the concluding Statement of Truth. In the middle just a couple of paragraphs where they say who they are, how they know you, and about permission being given by the landowner to use the car park. Superb.  I've added another section about the signage to the suggested WS sections three posts above. Yes, it's perfectly possible.  It'd be a good idea to phone the court on the 18th to see if they have paid.
    • OK thank you very much. I will prepare my WS as you advise.  I will indeed be preparing the WS over the weekend. I will also post UKPC's on Wednesday by 2nd class mail. As they have until the 17th to pay the court fee, is it possible they might discontinue at that stage too? Also I wanted to ask, in what form should the site manager's statement come? And the site owner if i can contact them? I will get photos of the signage to share with you also. Thank you.
    • Theres speculation on whether the magazine was Womens Weekly or Boys own 😀   ... probably a classic first edition of boys own - based on it costing $130k :lol  
    • You have five days yet to respect the WS deadline which is next Wednesday.  As others have said,  you can e-mail the court their copy.  That gives you the whole weekend to get the WS prepared.  Personally I'd post UKPC's theirs by 2nd class post (all they are worth) on Wednesday too, the court won't look badly on a short delay from a Litigant-in-Person. Another point.  In your WS you say their signs are rubbish.  That's a great point if their signs really are rubbish.  It's a dreadful point if their signs are fine.  So have you got photos of their signs?
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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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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Dissecting the Manchester Test Case....


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Resurrecting this thread.... because people keep banging on about Carey and The Rankines.... and seem to be ignoring the law laid down in CCA 1974; sec 127 (3) which is NOT retrospective!

 

Also, why has the thread been moved to this forum.... is there not a more appropriate/relevant place for it?

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Resurrecting this thread.... because people keep banging on about Carey and The Rankines.... and seem to be ignoring the law laid down in CCA 1974; sec 127 (3) which is NOT retrospective!

 

Also, why has the thread been moved to this forum.... is there not a more appropriate/relevant place for it?

 

They're banging on about it because the creditors / DCAs seem to be successful in getting it past judges for proof of execution and now non issue of DNs!!

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Hi Priority,

 

I don't know why the thread is here TBH.

 

Where was it before, so I can move it back.

 

I also think this should be closed and a new one started if necessary. I can close it with a link to the new thread.

 

Would that suit ? 8-)

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They're banging on about it because the creditors / DCAs seem to be successful in getting it past judges for proof of execution and now non issue of DNs!!

 

Something wrong there then.... especially in relation to CCA 1974!

 

Hi Priority,

 

I don't know why the thread is here TBH.

 

Where was it before, so I can move it back.

 

I also think this should be closed and a new one started if necessary. I can close it with a link to the new thread.

 

Would that suit ? 8-)

 

It was previously in the Debt Collection forum because of the kind of arguments that could/would/might be used by creditors and DCAs in light of the Manchester rulings. I need to log off now but can start a new thread in the DCA forum and give the link tomorrow if you like. I'm not sure if starting a new thread would help people who've been reading this one though, to be honest.....

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Something wrong there then.... especially in relation to CCA 1974!

 

You think????!!!!!

 

That's one reason why this thread should live on and in the same place it started.

 

I sometimes think some of these cases that result in these lunatic judgements are 'plants'. But then I AM paranoid !!!!!!!!!!!!!!!!!!

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This is a real useful thread but the reason its good is the same reasons its bad.

 

Nobody in there right mind is going to want to go through 170 pages, there is probabaly 10 pages of useful info, anybody fancy condensing it and re-posting?

We live in an unmoderated country why should the net be any different?

Bring back free speech we miss it!

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You think????!!!!!

 

That's one reason why this thread should live on and in the same place it started.

 

I sometimes think some of these cases that result in these lunatic judgements are 'plants'. But then I AM paranoid !!!!!!!!!!!!!!!!!!

 

You're not paranoid at all actually.... someone did some digging around not so long ago and found suspicious links between Carey and a firm of solicitors (allegedly). Something like that anyway. I have recently had 2 creditors run for the hills rather than give me written confirmation of a properly executed CCA under CPUTR 2008 (re. CCA 1974)... or in other words, to Moorcroft :lol:.... what does that tell you?

 

:-)

 

 

This is a real useful thread but the reason its good is the same reasons its bad.

 

Nobody in there right mind is going to want to go through 170 pages, there is probabaly 10 pages of useful info, anybody fancy condensing it and re-posting?

 

Erm.... no..... :|

 

:-)

Edited by PriorityOne
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If they cannot locate it then the actions of Creditor/DCA may well fall within s26 Schedule 1 CPUTR 2008 Reg 3 (4)(d)..an unfair practice IN ALL CIRCUMSTANCE..there are 31 considered to be an unfair practice without any tests to be applied as to whether that caused the average consumer to take a 'transactional decision s/he would not otherwise have taken'...as it is an 'action that cannot be legally taken' as per s127(3) CCA 1974..hence empty threats that FALL FOUL OF OFT664 GUIDANCE ON DEBT COLLECTION

 

rgds

 

m2ae

Edited by means2anend
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The above should also be used in a 2 pronged attack with the addition of HHJ Waksman's requirements at para 108....re-Unilateral powers to vary in connection with Running Accounts..

 

'108.-Accordingly, I conclude that Reg. 7 requires a copy of the executed agreement in its original form as well as a statement of the terms as they are at the time of the request.'

 

Therefore s78 reconstructions created from other sources that existed at the time of the agreement are insufficient in theses circumstances

 

Criminal sanctions as well as revoking of licenses can ensue from the enforcement authorities as they possess the powers to do so

 

rgds

 

m2ae

Edited by means2anend
criminal sanctions can ensue
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If they cannot locate it then the actions of Creditor/DCA may well fall within s26 Schedule 1 CPUTR 2008 Reg 3 (4)(d)..an unfair practice IN ALL CIRCUMSTANCE..there are 31 considered to be an unfair practice without any tests to be applied as to whether that caused the average consumer to take a 'transactional decision s/he would not otherwise have taken'...as it is an 'action that cannot be legally taken' as per s127(3) CCA 1974..hence empty threats that FALL FOUL OF OFT664 GUIDANCE ON DEBT COLLECTION

 

rgds

 

m2ae

 

That is an interesting pov m2ae and I am, to some extent being devil's advocate here just to explore this a little further (ie I hope you are right but I have reservations which it would be nice to have satisfied).

S26 in its full glory says "Making persistent and unwanted solicitations by telephone, fax, e-mail or other remote media except in circumstances and to the extent justified to enforce a contractual obligation"

My concern is in its last clause - to enforce the contract. Let us remember, however unpleasant it might be, the McGuffick decision which, simply put (and correctly as well, i hope) said that the fact that the lender couldnt enforce in court didnt mean their rights were extinguished and they could still attempt enforcement by other means. My concern about that last clause is precisely that - ie lender says, "no, i dont have an agreement that satisfies the CCA and cant get a court enforcement order, but I can show that lending took place so I am seeking to enforce the contract - unenforceable in court - by other means". As I recall McGuffick that is pretty much what the court said they could do.

Your observation re Waksman is spot on, though, and they really need to be pushed on that one as otherwise lenders will just reach into their cupboard and pull out the first set of T&Cs that come to hand.

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McGuffick is not statute law.... although I've seen it mentioned all over the place. Why then is McGuffick deemed as important..... or am I missing something. My understanding is that creditors/DCAs can still pursue in the sense that they can "ask"... but not enforce through the courts..... as has been said already.

 

CPUTR 2008 however, seems to be potentially even more effective than I thought..... :eyebrows::-)

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McGuffick is not statute law - but it IS precedent and unless/until its overturned will remain at least influential. I agree with you Priority 1 that they can ask but cant enforce through court. My point was in relation to s26 of Sched 1 of CPUTR which prevents lenders from "Making persistent and unwanted solicitations by telephone, fax, e-mail or other remote media except in circumstances and to the extent justified to enforce a contractual obligation" - my point was that McGuffick could be the basis of an argument to the effect that they are making such calls etc in order to enforce a contractual obligation - remember McGuffick held that not fulfilling s78 (or probably s61) doesnt "kill" the contract - rights are not extinguished - it only rules out a court order, so they can still enforce their contract by "asking" - 25 times a day by telephone.

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McGuffick is not statute law - but it IS precedent and unless/until its overturned will remain at least influential. I agree with you Priority 1 that they can ask but cant enforce through court. My point was in relation to s26 of Sched 1 of CPUTR which prevents lenders from "Making persistent and unwanted solicitations by telephone, fax, e-mail or other remote media except in circumstances and to the extent justified to enforce a contractual obligation" - my point was that McGuffick could be the basis of an argument to the effect that they are making such calls etc in order to enforce a contractual obligation - remember McGuffick held that not fulfilling s78 (or probably s61) doesnt "kill" the contract - rights are not extinguished - it only rules out a court order, so they can still enforce their contract by "asking" - 25 times a day by telephone.

 

Ah..... that explains why I've had a polite "notice" once every six months from one of mine.... :-)

 

There seems to be a fine line between asking and harrassment with some DCAs..... but when all other avenues are closed to them, it should hopefully still bring some comfort to people going through this nonsense to realise that there's not much else they can do....

 

I've started a new thread on CPUTR 2008 by the way..... 'coz it was suggested earlier that this one had got too long for people to get to grips with now....

 

Fighting back with CPUTR 2008....

 

:-)

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McGuffick is not statute law - but it IS precedent and unless/until its overturned will remain at least influential. .............

 

Don't forget that in McGuffick, first, this was an action by debtors against a creditor (a la Carey - do I see a pattern here? - where the case had to be proved by the debtor that the agreement was unenforceable) and more importantly the case was about a temporarily unenforceable agreement. There was no question of missing or misstated 'prescribed terms'. The agreement was always technically enforceable. So of course the creditors rights were well established from the date of signing. They were only interrupted whilst the agreement was temporarily unenforceable (deliberately by the way).Contrast that with an agreement where the prescribed terms were always missing or misstated - surely the creditor never acquired the rights from the outset - the agreement was invalid ab initio.

Edited by basa48
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P1 can you post a link to that thread CPUTR pls

 

It would be good to see successes posted in it just as with PPI thread

 

rgds

 

m2ae

 

It's here.... Fighting back with CPUTR 2008....

 

It should show as a link but if not, click on it anyway 'coz it works :-)

 

Link here - http://www.consumeractiongroup.co.uk/forum/showthread.php?291468-Fighting-back-with-CPUTR-2008....(1-Viewing)-nbsp

Edited by slick132
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  • 2 months later...
McGuffick is not statute law - but it IS precedent and unless/until its overturned will remain at least influential. I agree with you Priority 1 that they can ask but cant enforce through court. My point was in relation to s26 of Sched 1 of CPUTR which prevents lenders from "Making persistent and unwanted solicitations by telephone, fax, e-mail or other remote media except in circumstances and to the extent justified to enforce a contractual obligation" - my point was that McGuffick could be the basis of an argument to the effect that they are making such calls etc in order to enforce a contractual obligation - remember McGuffick held that not fulfilling s78 (or probably s61) doesnt "kill" the contract - rights are not extinguished - it only rules out a court order, so they can still enforce their contract by "asking" - 25 times a day by telephone.

 

 

Not according to this Judge :)

 

 

http://www.consumeractiongroup.co.uk/forum/content.php?707-MBNA-and-Link-Financial-tortured-their-customer!

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