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    • Oh I see! thats confusing, for some reason the terms and conditions that Evri posted in that threads witness statement are slightly different than the t&cs on packlinks website. Their one says enter into a contract with the transport agency, but the website one says enter into a contract with paclink. via website: (c) Each User will enter into a contract with Packlink for the delivery of its Goods through the chosen Transport Agency. via evri witness statement in that thread: (c) Each User shall then enter into its own contract with the chosen Transport Agency. Packlink does not have any control over, and disclaims all liability that may arise in contracts between a User and a Transport Agency I read your post at #251, so I should use the second one (and changing the screenshot in the court bundle), since I am saying I have a contract with Evri? Is that correct EDIT: Oh I understand the rest of your conversation. you're saying if I was to do this i would have to fully adjust my ws to use the consumer rights act instead of rights of third parties. In that case should I just edit the terms and stick with the third parties plan?. And potentially if needed just bring up the CRA in the hearing, as you guys did in that thread  
    • First, those are the wrong terms,  read posts 240-250 of the thread ive linked to Second donough v stevenson should be more expanded. You should make refernece to the three fold duty of care test as well. Use below as guidance: The Defendant failed its duty of care to the Claimant. As found in Donoghue v Stevenson negligence is distinct and separate to any breach of contract. Furthermore, as held in the same case there need not be a contract between the Claimant and the Defendant for a duty to be established, which in the case of the Claimant on this occasion is the Defendant’s duty of care to the Claimant’s parcel whilst it is in their possession. By losing the Claimant’s parcel the Defendant has acted negligently and breached this duty of care. As such the Claimant avers that even if it is found that the Defendant not be liable in other ways, by means of breach of contract, should the court find there is no contract between Claimant and Defendant, the Claimant would still have rise to a claim on the grounds of the Defendant’s negligence and breach of duty of care to his parcel whilst it was in the Defendant’s possession, as there need not be a contract to give rise to a claim for breach of duty of care.  The court’s attention is further drawn to Caparo Industries plc v Dickman (1990), 2 AC 605 in which a three fold test was used to determine if a duty of care existed. The test required that: (i) Harm must be a reasonably foreseeable result of the defendant’s conduct; (ii) A relationship of proximity must exist and (iii) It must be fair, just and reasonable to impose liability.  
    • Thank you. here's the changes I made 1) removed indexed statement of truth 2) added donough v Stevenson in paragraph 40, just under the Supply of Goods and Services Act 1982 paragraph about reasonable care and skill. i'm assuming this is a good place for it? 3) reworded paragraph 16 (now paragraph 12), and moved the t&cs paragraphs below it then. unless I understood you wrong it seems to fit well. or did you want me to remove the t&cs paragraphs entirely? attached is the updated draft, and thanks again for the help. WS and court bundle-1 fourth draft redacted.pdf
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      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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Layla Vs HALIFAX


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Hi guys, this is my first post on the forum!

 

I was after some advice, I sent off the standard bank charges request letter via recorded delivery a few weeks ago (addressed to MY own branch) and today I received a letter from Halifax in Leeds stating that copies of bank statements can be provided with the requested information on, but there is a £5 charge for the service.

 

They request that I call their customer Care Team in the usual number...but having browsed this forum, I will stick to letters sent via recorded dlivery as it will stand up in court.

 

Soooo, what is my next step? I thought I had to pay £10, not £5, and are they asking for £5 per statement:eek: Also, which address should I respond to? MY branch, or the return address on this letter which is in Leeds?

 

Many Thanks in advance guys :D

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Hi there

 

Just give them a bell. You will be able to tell after a day or two whether they have debited the account or not.

 

The £10 is a maximum. Most banks don't seem to charge the maximum for some odd reason? It isn't £5 per statement.

Just the FAQ’s ma'am. Please read 'em thoroughly before jumping in. Cheers :)

 

Find all the letters under the rainbow here

 

Being a man, I am always right (however I will make no admission of liability if you have misinterpreted my instructions!! :) ) If you are in any doubt, then consult a professional. All opinions offered on this site are just that, and should not be taken as legal advice.

 

Halifax - £1400 reclaimed. Now on a crusade to help others!

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Hi pmhread!

 

Thanks for the speedy reply, I have just rang the Halifax (pressing the five 0's...good tip from this site!!) and spoken to someone who has processed the application for me and told me that the £5 would be debited from my account and to expect the information no later than 10 working days....so here's waiting:grin:

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Hiya

I was told the same 10 working days, I requested my statements on 7th June, & today (29th June) got statements for account 2, still waiting for account 1's statements, so be ready to wait a bit longer.

Little word of advice, read the FAQ's & other peoples post, gives you a better understanding of what is going on & how to deal with things to come.:)

Good Luck with your Claim

Angi x

Good Luck with Your Claim

 

Angi x

 

 

:) If I have been of any help, please click the Scales of 'Justice' in the botton left corner. ;) Thanks

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  • 1 month later...

Hi guys, quick update, just received my statements and have been charged £671 in penalties :O

 

Am just writing (okay copying from here!) my prelim approach letter and was just wondering if the schedule of charges is a letter with all the dates and amounts of charges taken from my account?

 

Thanks, Layla

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Hi Layla,

Yes it is. In date order. I put mine into the spreadsheet-available in the bank templates library. You don't add interest yet though, but it helps you to organise your charges. I wasn't sure what all the charges were for so I put "Charges as Notified" as that is what it says on my statements.

Good Luck

Nona

[CENTER][SIZE=2][I][COLOR=DarkOrange]Any advice offered is only my opinion, based on my experience with my claim [/COLOR][/I][/SIZE] [SIZE=3][COLOR=Blue][SIZE=2] I won my case because[/SIZE] I READ THESE FIRST[/COLOR][/SIZE] [URL="http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/"][COLOR=red]http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/[/COLOR][/URL] [/CENTER] [FONT=Comic Sans MS][SIZE=1][COLOR=magenta][COLOR=Black][SIZE=3]Halifax[/SIZE][COLOR=YellowGreen]-[/COLOR][/COLOR][B][SIZE=4][COLOR=Red][COLOR=YellowGreen]SETTLED IN FULL[/COLOR] :D:D:D[/COLOR][/SIZE][/B][/COLOR][/SIZE][/FONT][FONT=Comic Sans MS][SIZE=1][COLOR=magenta] [COLOR=SeaGreen]Prelim letter sent [COLOR=Black]10/07/06[/COLOR] Moneyclaim issued [COLOR=Black]07//08/06[/COLOR][/COLOR] [COLOR=Red]Settled in full[/COLOR] [COLOR=Black]15/08/06 [SIZE=2] [/SIZE][/COLOR][/COLOR][/SIZE][/FONT][CENTER][FONT=Comic Sans MS][SIZE=1][COLOR=magenta][COLOR=Black][SIZE=2][COLOR=DarkOrchid][SIZE=1]Survey completed. Donation made[/SIZE].[/COLOR][/SIZE][/COLOR][/COLOR][/SIZE][/FONT] [/CENTER] [CENTER][FONT=Comic Sans MS][SIZE=2][COLOR=magenta][COLOR=Black][COLOR=Navy]Thanks to Dave and Bankfodder, and all who have given their time and advice[/COLOR]:)[/COLOR][/COLOR][/SIZE][/FONT] [/CENTER] [FONT=Comic Sans MS][SIZE=1][COLOR=red][COLOR=Black]Co-op Bank Visa[/COLOR] Settled after LBA (only £61 but hey ho, every penny counts) [/COLOR][/SIZE][/FONT][FONT=Comic Sans MS][SIZE=1][COLOR=#00bfff] [/COLOR][/SIZE][/FONT]

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Well, I had the standard "Sorry to hear you're upset....give us 4 weeks" letter today. Wondering if I should send my LBA letter off before the 14 days as they have obviously responded to my prelim? Or should I wait another week??

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  • 2 weeks later...

Reply saying you unconditionaly accept their kind offer of £95 but you will persue the remainder in court if you have to ...then when the 14 days are up file your claim

:) Go on ... you know you want to click me :)

:lol:don't be like the banks - give a little back :lol:

:D There was a time before CAG but now CAG is here we are the empowered! :D

In progress:

Mechs and Mother (deceased) V Halifax - N1 form filed at Court 9 Aug 06

Advice & opinions of mechs, The Consumer Action Group and The Bank Action Group are offered informally, without prejudice & without liability. Seek advice of a qualified insured professional if you have any doubts.

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£95?

 

Must've been quite tempting though.....

 

Good luck Layla

"Banks are people that will lend you an umbrella when it's sunny, but demand it back the minute it starts raining"

 

Brad v Halifax

22/08/06 - Preliminary Letter sent requesting full repayment of charges

06/09/06 - LBA sent to bank

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  • 3 months later...

Well, what with Christmas and uni work getting in the way, I put this on the back burner and it has been 3 months since I last corresponded with the Halifax re my charges. Shall I send them another letter, or just go ahead with the money claim online?

Happy New Year folks :)

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Well, what with Christmas and uni work getting in the way, I put this on the back burner and it has been 3 months since I last corresponded with the Halifax re my charges. Shall I send them another letter, or just go ahead with the money claim online?

Happy New Year folks :)

 

Hi Layla

HAPPY NEW YEAR

As it has been 3 month since the last correspondence I would be inclined to write a 7 day FINAL LETTER BEFORE ACTION before embarking on Legal also your Interest would have esculated. I say this because they would have filed your papers away. You should stick with your timetable and when you tell them you are going to proceed with a claim you should do it then not 3 months latter.

Hope that this is of some help to you. Good luck with your claim

Regards

Ds

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  • 5 weeks later...

Can someone tell me if this is correct so that I can send off my claim;

 

1. The Claimant has an account with the Defendant, opened January 2003

2. Since 31/03/2003 the Defendant debited charges and interest in respect of purported breaches of contract.

3. Defendant is aware of all details as a list of charges has already been supplied. Another copy will be sent.

4. Claimant contends: (a) The charges exceed the Defendant's losses caused by the breaches; (b) The Term permitting the Defendant to levy such charges is unenforceable under the Unfair Terms in Consumer Contracts Regulations 1999, Unfair Contract Terms Act 1977 and at Common Law. 5. Claimant claims: (a) return of the amounts debited of £706; (b) Interest per S.69 County Courts Act 1984 of 8% - £157.95 continuing at 8% until judgment or settlement at a daily rate of £0.16;

6. Alternatively, if the charges are a fee for a service, then they must be reasonable under S.15 of the Supply of Goods and Services Act 1982. 7. Costs allowed by the Court.

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  • 2 weeks later...
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