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    • The lawsuits allege the companies preyed upon "vulnerable" young men like the 18-year-old Uvalde gunman.View the full article
    • Hi, despite saying you would post it up we have not seen the WS or EVRis WS. Please can you post them up.
    • Hi, Sorry its taken me so long to get round to this, i've been pretty busy today. Anyway, just a couple of things based on your observations.   Evri have not seen/read my WS (sent by post and by email) as they would have recognised the claim value is over £1000 as it includes court fees, trial fees, postage costs and interests, and there is a complete breakdown of the different costs and evidence. I'd say theres a 1% chance they read it , but in any case it won't change what they write. They refer to the claim amount that you claimed in your claim form originally, which will likely be in the same as the defence. They use a simple standard copy and paste format for WX and I've never seen it include any amount other than on the claim form but this is immaterial because it makes no difference to whether evri be liable and if so to what value which is the matter in dispute. However, I have a thinking that EVRi staff are under lots of pressure, they seem to be working up to and beyond 7pm even on fridays, and this is quite unusual so they likely save time by just copying and pasting certain lines of their defence to form their WX.   Evri accepts the parcel is lost after it entered their delivery network - again, this is in my WS and is not an issue in dispute. This is just one of their copy paste lines that they always use.   Evri mentions the £25 and £4.82 paid by Packlink - Again, had they read the WS, they would have realised this is not an issue in dispute. They probably haven't read your WS but did you account for this in your claim form?   Furthermore to the eBay Powered By Packlink T&Cs that Evri is referring to, Clauses 3b and c of the T&Cs states:  (b)   Packlink is a package dispatch search engine that acts as an intermediary between its Users and Transport Agencies. Through the Website, Users can check the prices that different Transport Agencies offer for shipments and contract with the Transport Agency that best suits their needs on-line. (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 This supports the view that once a user (i.e, myself) selects a transport agency (i.e Evri) that best suits the user's needs, the user (i.e, myself) enters into a contract with the chosen transport agency (i.e, myself). Therefore, under the T&Cs, there is a contract between myself and Evri.   This is correct but you have gone into this claim as trying to claim as a third party. I would say that you need to pick which fight you wan't to make. Either you pick the fight that you contracted directly with EVRi therefore you can apply the CRA OR you pick the fight that you are claiming as a third party contract to a contract between packlink and EVRi. Personally, I would go with the argument that you contracted directly with evri because the terms and conditions are pretty clear that the contract is formed with EVRi and so if the judge accepts this you are just applying your CR under CRA 2015, of which there has only been 2 judges I have seen who have failed to accept the argument of the CRA.   Evri cites their pre-existing agreement with Packlink and that I cannot enforce 3rd party rights under the 1999 Act. Evri has not provided a copy of this contract, and furthermore, my point above explains that the T&Cs clearly explains I have entered into a contract when i chose Evri to deliver my parcel.    This is fine, but again I would say that you should focus on claiming under the contract you have with EVRi as you entered into a direct contract with them according to packlink, as this gives less opportunites for the judge to get things wrong, also I think this is a much better legal position because you can apply your CR to it, if you dealt with a third party claim you would likely need to rely on business contract rights.   As explained in my WS, i am the non-gratuitous beneficiary as my payment for Evri's delivery service through Packlink is the sole reason for the principal contract coming into existence. I wouldn't focus this as your argument. I did think about this earlier and I think the sole focus of your claim should be that you contracted with evri and any term within their T&Cs that limits their liability is a breach of CRA. If you try to argue that the payment to packlink is the sole reason for the contract coming in between EVRI and packlink then you are essentially going against yourself since on one hand you are (And should be) arguing that you contracted directly with EVRi, but on the other hand by arguing about funding the contract between packlink and evri you are then saying that the contract is between packlink and evri not you and evri.  I think you should focus your argument that the contract is between you and evri as the packlink T&C's say.   Clearly Evri have not read by WS as the above is all clearly explained in there.   I doubt they have too, but I think their witness statement more than anything is an attempt to sort of confuse things. They reference various parts of the T&Cs within their WS and I've left some more general points on their WS below although I do think  point 3b as you have mentioned is very important because it says "Users can check the prices that different Transport Agencies offer for shipments and contract with the Transport Agency that best suits their needs on-line." which I would argue means that you contract directly with the agency. For points 9 and 10 focus on term 3c of the contract  points 15-18 are the same as points 18-21 of the defence if you look at it (as i said above its just a copy paste exercise) point 21 term 3c again point 23 is interesting - it says they are responsible for organising it but doesnt say anything about a contract  More generally for 24-29 it seems they are essentially saying you agreed to packlinks terms which means you can't have a contract with EVRI. This isnt true, you have simply agreed to the terms that expressly say your contract is formed with the ttransport agency (EVRi). They also reference that packlinks obligations are £25 but again this doesn't limit evris obligations, there is nothing that says that the transport agency isnt liable for more, it just says that packlinks limitation is set. for what its worth point 31 has no applicability because the contract hasn't been produced.   but overall I think its most important to focus on terms 3b and 3c of the contract and apply your rights as a consumer and not as a third party and use the third party as a backup   
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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.

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      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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Help!Tesco cedit card


maggie
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Hi All,

I am at the end of my tether ,and worrying constantly.

I have a credit card with Tesco ,and the amount outstanding is over £5,000.

We have been in financial difficulty for quite a while,and for the past few months ,I have been unable to make the minimum payment on it.

What I want to know is;-If I send a SAR request to them,as this amount includes late payment charges,and if I send a CCA request ,as well,am I placing myself in the situation of recognising the debt,if I ask for the charges to be re-imbursed?

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Hi Maggie if it right to do so then it might be worth writing to them saying that your circumstances have changed and make a token offer of £1 per month for 3 months after which time you will review the situation.....what usually happens is that when you post off your CCA you would normally write in big letters - I DO NOT ACKNOWLEDGE ANY DEBT TO YOUR COMPANY....you could possibly do this separately to a SAR request....

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Thanks 42man,

I have been trying and trying to sort out my finances,and have only been able to make the minimum payment each month on the card.

I have received a letter from them asking me to contact them about the account.A payment is supposed to be made by the end of January,and I know I won,t be in a very good position to pay it ,as I was unable to pay the minimum amount last month ,only part of it.

 

I think I will send a CCA request first,try and make some sort of payment this week,and should I send them a letter explaining the reasons why I am unable to make the correct payment they request.?

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Good idea Maggie....but write to them and say that i'm sure they understand that people's circumstances change and that yours have (will things get better for you ? will you be able to resume the monthly minimum again ?) explain you are only able to pay (whatever you can afford) for a specific period, or explain that you will review your situation in 3 months....

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  • 2 months later...

I received a letter from Tesco cc this morning ,stating that they had served a default notice on me ,which they did,bout 2 weeks ago,and that they are terminating their credit agreement with you.Told me to ring them to arrange immediate payment and subsequent repayment programme.The letter is dated 5 days after they had signed for my cca/sar request.

What do I do now folks ?

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I would wait and see what the CCA and SAR brings up Maggie....don't forget that once your account is in dispute ....the OFT says this...bear in mind that they cannot enforce a debt whilst they haven't produced your CCA !!! If they pass it on to a debt collection agency let us know, there are ways of dealing with it from there...

 

Deceptive and/or unfair methods

2.7 Dealings with debtors are not to be deceitful and/or unfair.

2.8 Examples of unfair practices are as follows:

a. sending demands for payment to an individual when it is uncertain that

they are the debtor in question, for example, threatening debt recovery

action to 'the occupier' or sending a payment demand to all people sharing

the same name/date of birth as a debtor in the hope that contact with the

correct debtor will be made.

b. disclosing debt details to an individual when it is uncertain that they are

the debtor in question, for example, disclosing details to 'the occupier' of

an address.

c. refusing to deal with appointed or authorised third parties, such

as Citizens Advice Bureaux, independent advice centres or money

advisers

d. contacting debtors directly and bypassing their appointed representatives

e. operating a policy, without reason, of refusing to negotiate with

debt management companies

f. passing on debtor details to debt management companies without the

debtors' informed prior consent

g. failing to refer on to the creditor reasonable offers to pay by instalments

h. not passing on payments received within a reasonable time resulting in

delays that adversely affect a debtor's financial position.

i. failing to investigate and/or provide details as appropriate, when a debt is

queried or disputed, possibly resulting in debtors being wrongly pursued

j. requiring an individual to supply information to prove they are not the

debtor in question, for example, driving licences, passports, full name,

date of birth, signatures

k. not ceasing collection activity whilst investigating a reasonably queried or

disputed debt.

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Well I received a a document from Tesco this morning ,stating that it has answered my request for the cca agreement.I don,t really know if it is a proper agreement or not.Another oddity is,on this document they have sent me,for my husbands employment details ,there is a tick by self-employed and also ppi insurance.Now this is very ,very ,strange as my husband has NEVER been self -employed,and I certainly remember not ticking the ppi box,and they don,t even look like my ticks!!!

 

Help.!!!!!!!!!!!

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Maggie, is it possible you can scan/photo the document they claim is your CCA and post it up here (cross off all the personal details) i'm sure we can find a letter to send back to them....

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  • 2 weeks later...

yes ,the agreement was signed,but my husband has never been self employed and we didn,t need the ppi ,so why are they both ticked.

I hope I have scanned this in correctly.Please take a look.

 

I have posted the agreement at the end of the thread.

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Funny thing is ,the charges they state above of £12.00 is from the oft report.The charges placed on this account were £30.00 .

So ,if I am correct,they have sent me the new terms and conditions,not the ones from when this account was opened.

 

Any help would be very much appreciated here guys.

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Just noticed something else,when this account was opened,the credit limit was NOT £5,800 as it states above,but substantially less.

They have cashed the cheque for the cca,but not the £10.00 cheques for the SAR.They have just statyed in a letter they sent me with the above documents ,that .=

that with regard to your request for a statement of account,I have enclosed the most recent available statement for the account.Should you require duplicate statements of your account prior to this date,please contact me accordingly and I will advise you of the cost for these.

 

 

(the CCA and the SAR requests,and subsequent payment cheques,were both in the same envelpoe,which was signed for on the 26/03/08 ,and I have the printed receipt of this ,from the Post Office site.)

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Hello Maggie

 

with regards to your post im soz i cant help you someone who has the

answers will help you with that , however i think you should remove your

personal details from the docs as this will identify you .

 

Good luck

kind regards

M1

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