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    • Embracing your unique selfView the full article
    • Hearing held today in court. I attended in person and Evri had an advocate attend on their behalf to defend their position that my contract is with Packlink and not with them. I also provided a copy of Evri's terms and conditions which explains that a contract is entered into when a parcel is sent with Evri. The judge pointed this out to the Advocate and agreed there is a contract between me and Evri under the Ts and Cs. The judge explained that while Packlink are responsible for organising the delivery of the item, it is Evri who are responsible for handling the goods and delivering them, and therefor Evri has a responsibility to handle the goods with reasonable care and skill. So am pleased to say the judge found in my favour. Hearing lasted about 75mins. Evri has been ordered to make payment within 21 days. Also nice to meet @jk2054 in person.
    • Good morning,    I just wanted to update you on the situation.    I have visits piling up with my current employment and they need doing before I finish at the end of this month.  I am moving to Wiltshire in 3 weeks for a new job helping care homes with their Dementia patients. I tried to work it out and at a guess I will be doing about 20-25,000 miles a year. So need a vehicle that can cope with that mileage, my old car would have done it easy but 🤷‍♂️ I have taken out a loan and got a friend to find me a reliable car that can cope with the miles and hasn't been written off in the past.   I phoned Adrian flux to see if I could use the last months insurance on a new car I have bought, the girl I spoke to phoned Markerstudy and asked them but they said no, my new car doesn't have any modifications.    I had an email from someone who saw one of my appeals for information, they live near the site of the accident and know a nearby farmer who has a security camera at his entrance that catches the traffic and specifically registration plates as he has been robbed before. They said they would reach out for me and see if he still has the data. Unfortunately it wont catch the scene of the crash.   The Police phoned me and said they were closing the report I made, even if they found footage of the vehicle at the time I said the actual incident would be my word vs theirs.  My first response was I am sure google maps would show that they turned around at that location which would verify my version of events, but upon reflection I do understand, I have seen people doing make up with both hands while driving, eating from a bowl steering with their knees and veering all over the place. I am sure some of these people go off the road and claim that someone forced them off.    Markerstudy phoned me yesterday to say that my car is now at Copart, the £80 tank of Vpower diesel was emptied on entry to the site for safety reasons, which I get but it sucks.  It is awaiting being assessed and shouldn't be too long, which is a relief.  I am really glad things do not seem to be going the way of the other stories and they seem to moving quickly.   However I was informed that my car was a structural write off before I bought it - this destroyed me, I was almost sick.  and this is going to affect any offer of money - after hearing the first statement this didn't affect me.   They need to wait for the assessor to check it over but it is highly likely to be written off and the maximum they can offer is £2300.  I was desperate for a car as I was working for an agency at the time, no work no pay, and did not do a vehicle check because I didn't know about them.  The seller did not tell me that it had been structurally written off, he told me that it had the front wing damaged while parked and was repaired at an approved repairer.  Markerstudy records state that it was sold at auction, no record of repair at an approved repairer.  I bought it bank transfer with hand written receipt.    It gets worse.    It turns out my airbags should of gone off. For some reason they are not working. I think we can figure out why.  If I had hit that car head on and had no airbags.    Some good news.    I can arrange a time with Copart to go and take my stereo equipment and any personal items that are left in the car only. I cant live without music and need quality sound, my speakers and amps are Hertz and JLaudio, (no I am not a boy racer with booming subs, I am an audiophile on a budget) I was really worried I wouldn't get them back so this is a huge relief for me. It is stuff I have built up over years of saving and collecting. Everything to do with the vehicle and mods I have declared need to stay to be assessed.   The accident has gone as a fault on my record, I have to remove 2 years NCB which means I still have some to declare which is good.  So it appears at this point that it may be resolved quickly, not in the way I was hoping, but not as bad as I presumed it was going to be based upon that tow truck drivers attitude and behaviour and the horror stories I read.   I am not going to buy the car back and try to make money with all the parts on it, I don't have the time or energy.   I may need an xray on my back and neck.  The whole situation has left me feeling physically sick, drained and I need it done.   The lesson learnt from this  -  My conscience is 100% clear, my attitude to safety and strong sense of personal responsibility - A rated tyres even if on credit card, brake fluid flush every year, regular checks of pads and discs, bushes etc, made avoiding what I believed to be a certain broadside collision possible.   Get a dashcam (searching now for the best I can afford at the moment)  -  Research your insurance company before you buy  -  Pay for total car check before you go and see a car and take someone with you if you are not confident in your ability to assess a vehicle.      Thank you to everyone here who volunteers their time, energy and information, it is greatly appreciated.  You helped my sister with some advice a while ago but we weren't able to follow through, she is struggling with long term health conditions and I ended up in hospital for a while with myocarditis, when I got out and remembered it was too late.  I am going to make a donation now, it is not a lot, I wish I could give more, I will try to come back when things are on a more even keel.    Take care
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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.

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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Hi there

 

Logbook loans = :???:

 

Wondered if anyone could give me any advice on the issues Im having with these at the minute.. I borrowed £1500 from them in Sept 2006 I have finished paying back the loan at the end of Sept 2007 however they dropped a bombshell on me that I still owed another £330 for letter and call charges.. So I set up a payment plan to re-pay back these charges at 55pw for 8 weeks.. equals approx £440!!! Dunno how they worked that out anyway I accepted and have paid back 4 and a half weeks so far of the payment plan. Ive actually managed to pay 2 weeks in one go so Im actually ahead of my plan.. £245 paid out of the £440 so theres me thinking OOoooo I only have £200 left to pay thats 3 and a half weeks left!!

 

Anyway I phone them today to make an additional £30 payment and I ask them how much I have left to pay and they tell me £300!!!!!! I question it and they say the orginal payment plan to clear the charges was set up incorrectly.. SO MY CHARGES HAVE GONE FROM £330 to £500 in a matter of 4 weeks!!!! I had a bit of a rant and rave with em on the phone and got myself into another payment plan of £52 over 5 weeks. So I said to the girl on the phone will that be it after the 5th week and she said NO!!! Ill still have another payment of about £20 to make for interest.. {but I cant take that seriously so I asked for it in writing) even though she said the reason my chrages had gone up to about £500 was the daily interest..

 

GRRRRRRRR... are they talking a load of Bull or what with these charges.. I dont really know where to go from here [srug]

 

Pwwwwwwwwwease help with any advice :-D Cheers muchly

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**Bump**

 

Bloomin 'eck! :eek: typical 343.4% apr!!

 

What have you asked them for in writing? I would request all info on this account, starting with the original credit agreement. It sounds to me like they are ever so slightly taking the p***

Hit the scales, you know you want to :p

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**Bump**

 

Bloomin 'eck! :eek: typical 343.4% apr!!

 

What have you asked them for in writing? I would request all info on this account, starting with the original credit agreement. It sounds to me like they are ever so slightly taking the p***

 

 

I have my agreement somewhere Im going to look for it and thought about going to see a solictor tomorrow.. what should I ask them for a breakdown of the loan from start to finish with a detailed list of the charges.. and what if they dont send, they have to by law right provide me the details??

 

edit: I asked them to put the payment plan in writing so they cant go back on there word again

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You really should challenge these charges in the same way that people have challenged bank / credit card charges, on the grounds of unlawfulness.

 

If you need a hand getting started just let us know and we shall assist!

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Guess what I cant find the agreement I signed

 

:mad: @ myself for losing it!!

 

While Im asking for all these things from them I still have to pay dont I?? Obv.. as it will be paid off by the time they respond no doubt but I still aint letting them get away with it..

 

So no agreement.. do I ask for the whole lot together with the letter stated above or is that 2 seperate letters? :???:

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You really should challenge these charges in the same way that people have challenged bank / credit card charges, on the grounds of unlawfulness.

 

If you need a hand getting started just let us know and we shall assist!

 

 

Yes please any help would be much appreciated.. I cant see a solictor I guess until I a. find my agreement or b. get a copy sent.. I dunno if they would be much help anyway

 

I did ring the ombudson today and they are sending a letter to them for me to ask them for a "final decision" Im not sure what that means?? :???:

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Guess what I cant find the agreement I signed

 

:mad: @ myself for losing it!!

 

While Im asking for all these things from them I still have to pay dont I?? Obv.. as it will be paid off by the time they respond no doubt but I still aint letting them get away with it..

 

So no agreement.. do I ask for the whole lot together with the letter stated above or is that 2 seperate letters? :???:

 

Don't worry about losing the agreement! I would lose my head if it wasn't screwed on :p

 

The S.A.R is all you'll need to request at the mo, as what they should send includes a copy of the original agreement.

 

There is a template here - http://www.consumeractiongroup.co.uk/forum/bank-templates-library/516-1-data-protection-act.html - adapt as necessay

Hit the scales, you know you want to :p

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Forgot to say...yes continue paying for now, it doesn't matter that you will have paid up by the time you get the info...you can still claim back unfair charges, etc.

 

LOL at my spelling btw! Necessay :o

Hit the scales, you know you want to :p

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lol @ your spelling dont worry about it dude and thanks for the template I shall be sending that off as soon as I can get to the postoffice for a postal order.. as long as Im helped with each stage Ill be fine :)

 

My heads been a right shed this afternoon since I spoke with them.. Im sooooo all over the shop.

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Well it is obviously more than 100% interest. "Extortionate credit" springs to mind. When you've got the details (and that agreement you are looking for - nudge nudge) we'll work out what the interest was. Might be "too high". Did the Bank turn you down? Asking for a reason - not being curious.

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Well it is obviously more than 100% interest. "Extortionate credit" springs to mind. When you've got the details (and that agreement you are looking for - nudge nudge:rolleyes: ) we'll work out what the interest was. Might be "too high". Did the Bank turn you down? Asking for a reason - not being curious.

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Assuming you've paid £3208 'ish so far.

 

That means that you paid simple interest of 113.6%. Giving an APR of

170%.

 

I think that's an extortionate credit agreement. And we haven't even finished yet as they're after extra charges!

 

The posts are mucked up as the dates are wrong. We have to wait until midnight to get right again...

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I think this one will get very interesting. Certain of it.

 

Errr - you say you've looked for the agreement. But, there's a 14 minute gap between you saying you were going to look for it and not being able to find it. I don't think you put a lot of effort in!!:)

 

Have a REALLY good look for that agreement as it could be very important!!

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You borrowed £1500.

1) How much have you actually paid back to date?

2) How much do they say is outstanding?

 

 

 

Right then phone call made and OMFGG!! :eek:

 

Ive paid them £3429.75 to date

I still owe them £260.90

 

:-x The loan Ive ever had in my life and the last one!!!

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This is your first ever loan? Why didn't you use a bank? (answers to both please!!!!) And.... did you find your agreement??? very important....

 

Yes my first ever proper loan apart from my mortgage..

 

Ive had credit agreements.. such as catalouges and such with companys before and my credit rating is too crap to go to a bank, but to be honest I was between temp work and I needed some money fast!! To help with my bills/ car insurance etc; wish Id have known then what I know now but hey ho you live and you learn!!

 

No I havent found my agreement yet :sad:

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I think this one will get very interesting. Certain of it.

 

Errr - you say you've looked for the agreement. But, there's a 14 minute gap between you saying you were going to look for it and not being able to find it. I don't think you put a lot of effort in!!:)

 

Have a REALLY good look for that agreement as it could be very important!!

 

Your right I didnt I was tired and mardy last night..I will have another go tonight :) I looked through a box of paperwork I have at home, I found one letter from them at thats all.. maybe it is somewhere else

 

I have just phoned them and they are sending me a statement of my account out in the post today, or so they say!!

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The S.A.R. should include more than statements, and you'll probably need to still request this as you want to see where charges have been added, etc. I assume you want to claim back any unfair charges? If so, the S.A.R is your best bet

Hit the scales, you know you want to :p

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You need to S.A.R - (Subject Access Request) and CCA them. (Subject access request - which means they have to print out out everything which is on their computers at the date they qet the request. CCA - Consumer Credit Act request which means they have to give you copies of all the paperwork on the loan). £10 and £1 payments respectively.

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You need to S.A.R - (Subject Access Request) and CCA them. (Subject access request - which means they have to print out out everything which is on their computers at the date they qet the request. CCA - Consumer Credit Act request which means they have to give you copies of all the paperwork on the loan). £10 and £1 payments respectively.

 

Ok thanks :wink: do you know where abouts I find the template for the CCA?? I have the SAR printed out ready to send.. I may as well save on postage and post them both together

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I'm not sure how to do this properly but look at this page and use post 15. (I'd change "we" to "I" though!). One postal order for £11 but don't put your signature on the letter (or anywhere). Recorded deivery at least. But best is guaranteed next day but slightly more expensive.

 

http://www.consumeractiongroup.co.uk/forum/general-debt/20758-creditors-dcas-letter-templates.html

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I'm not sure how to do this properly but look at this page and use post 15. (I'd change "we" to "I" though!). One postal order for £11 but don't put your signature on the letter (or anywhere). Recorded deivery at least. But best is guaranteed next day but slightly more expensive.

 

http://www.consumeractiongroup.co.uk/forum/general-debt/20758-creditors-dcas-letter-templates.html

 

 

Ok dude cheers for that.. Im curious as to why no signatures though?? :???:

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