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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   
    • Ms Vennells gave testimony over three days, watched by those affected by the Post Office scandal.View the full article
    • Punters are likely not getting the full amount of alcohol they are paying for, a new study suggests.View the full article
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      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

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    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
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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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The worst way spoken to by a DCA....


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Sorry, was finishing off the nice wine I opened earlier. What was the question again? I guess you lot are on the 'unbranded' lager and blue nun?

 

Wrong again knob splat, I prefer an earl grey myself.

If I have helped or made you laugh in any way in your hour of need, then please click my scales <<<<<<<<<< ;)

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Someone send the R.S.P.C.A. round there! NOW! I fear for Moggie. :mad: :mad: :mad:

 

Yeah, he might stick it on the end of his joystick for some pleasure

If I have helped or made you laugh in any way in your hour of need, then please click my scales <<<<<<<<<< ;)

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IT TAKES A LIAR TO HAVE A GOOD MEMORY

 

 

DO NOT FEED THE TROLL

 

Sorry ODC. But you do have to admit he is one of the most feeble trolls we have had on here in a while? I thought Rameses was weak. He even tops Rameses for weakness and lack of knowledhge does he not? Why can't they send someone with brains? I mean if we are Holmes he's hardly a damn Moriarty is he? :D :D :D More like an Oliver Twist. He is asking us 'for more'. Ha ha ha. Yes call me Sir you weak man. He's absolutely useless! ROFL.

What sort of world do you want your kids to grow up in?

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Going to go now have my DEAR hubby waiting upstairs with a bottle of Cristal and a box of godiva chocolates!!!

Enjoy your jacobs creek with your mum Mr Sensible!

Night night all and dont let the mass-debater wind you up!;)

 

Actually he's a great source of amusement ! Bring it on!

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Ha, ha! May I compliment you all on the depth any originality of your humour. Watch out Oscar Wilde!!

 

See, I have imagination and humour. I have already beaten you.

If I have helped or made you laugh in any way in your hour of need, then please click my scales <<<<<<<<<< ;)

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DontFeedTheTroll.jpg

Just ignore the troll. Don't acknowledge its presence.

It wll get bored and go away eventually.

If this has been useful to you, please click on the scales at bottom left of post. Thanks.

 

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See, I have imagination and humour. I have already beaten you.

 

Well he must have humour, to think people will take him seriously! Now that is a good laugh! Don't think there's any imagination though - anyway it's too big a word for a troll to understand!

 

Mrsensible answer post 26, as you have now been asked many times to!

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Jacobs Creek? Hardly. A generic New World aimed at the masses. Drinkable, not much more. "It would indeed be simple if the debt was advertised as 'secured' in the first place&amp". The LAW allows a creditor to secure an unsecured debt. You cant have it both ways can you? If you use the law to avoid paying, (lack of contract), you cant moan if creditors use the law to benefit them! "Why don't you try to do a good job of playing devil's advocate? People might show some respect for you"Respect is only shown if you agree to tow the party line. ALL debtors are doing their best! None lie! There are NO debt avoiders! ALL DCA's are ****! Agree with CAGGERS! etc etc...zzzzzzzz

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Anyway,

 

I don`t mean to sound as thick as the Troll in question, but before I go and knock my bait up could someone tell me why you call him a Troll?

 

 

N.P

If I have helped or made you laugh in any way in your hour of need, then please click my scales <<<<<<<<<< ;)

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Any further posts which are off topic will be removed.

Opinions given herein are made informally by myself as a lay-person in good faith based on personal experience. For legal advice you must always consult a registered and insured lawyer.

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I was in dispute with a company that had taken over the original company I was renting my washing machine from. It needed repairing and the new company refused saying I had to buy it now as they were not doing rentals. Well I was not going to buy a broken machine so refused to pay.

 

That afternoon a van pulled up and two 'employees' from the company walked into my back garden with bolt cutters saying they were in there rights to enter my house and take what was theirs. :eek:

 

Needless to say they left with nothing!

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Nice one wino.

 

Did they have the court documents to say they could enter your house with bolt cutters and remove the washing machine.

 

No did not think so.

 

When are these companys going to learn?

Never mess we CAG we no to much. I would advise a strongly worded letter remember to use nice words. ;)

 

Chrissi

OFT debt collection guidance

 

Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

Essex girl in pc world looking 4 curtains 4 her pc,the assistant says u dont need curtains 4 a computer!!Essex girl says,''HELLOOO!! i,ve got WINDOWS!!'.

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Nothing too bad really, other than the usual 'pay me or else' garbage and the odd huff and puff.

 

Mind you, now I'm learning my rights bit by bit thanks to CAG, any future phone conversation, should they catch me off guard, should prove interesting :)

Mr & Mrs Ananya's story so far -

Welcome Finance - account closed - no CCA - 02/07 - £1500

NatWest - settled in full 09/06 - £600

NatWest - settled in full 06/07 - £72

Verso - Settled in full 07/08 - £2002

C.K. Edrupt/Provident - account closed - no CCA - 04/07 - £640

Littlewoods/Shop Direct - 2 accounts closed - Statute Barred - 04/10 - £800

D.C.A.s who've given up so far -10

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Oh l love it when they call me. I have annoyed a few ppl and l have had my family laughing at them from behind me.

 

Needless to say by time they have been told they are breaking OFT guidelines and they say they are not l have found the exact guideline and start quoting to them all the guidelines they have failed to obide by and they then wish they had never phoned me.

 

Chrissi

OFT debt collection guidance

 

Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

Essex girl in pc world looking 4 curtains 4 her pc,the assistant says u dont need curtains 4 a computer!!Essex girl says,''HELLOOO!! i,ve got WINDOWS!!'.

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I'm thinking of having the 'phone put back into my own name and not being ex-directory because I don't even look at my caller ID anymore. Whereas at one point, I would have been terrified to answer the 'phone, now I just think, "bring it on." Such is the hardened Cagger!! NB - NEVER SPEAK TO A DCA ON THE 'PHONE - well not until you're totally au fait on your rights that is ;)

 

Unfortunately, the DCAs don't love Bo anymore - they never ring me!! :( Can't think why? :lol:

 

Still got one wish left though (double entendre for all you "oldies" out there!!!).....

 

My mates have the lovely Lowells giving them some grief, I just can't wait for them to ring when I'm at mates house :o

 

I was subjected to the worst harassment by 'phone I have ever had pre-CAG. I was so terrified, I was trying to sell my house at the time to pay them off and they said that they were going to take me to court if I didn't give them the 'phone number of my solicitor and give him permission to speak to them to tell them when the mortgage monies were going to come through and yes, I was so terrified, I did what they said.

 

Unfortunately, when you are in that situation and you don't have the support of CAG behind you, you feel rather alienated and that being in debt is entirely of your own making and this is when the "vultures" go in for the kill.

 

Well, not anymore! I am indebted to this site for the wealth of information, knowledge, support and kindness I have been shown from many people who have been where I was and I will endeavour to do anything to return that favour.

 

Bo

 

PS - I've also made some really good friends too :)

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I've been reading these forums for a few days now and just want to thank you all for allowing me to feel differently (read optimistic!) about the whole thing.

I was wakened by the phone at 7.30 one morning and when I think of how that woman spoke to me, when I think of how I allowed her to speak to me! I explained that I had to get my children up for school - she didn't care - I'm afraid I answered all her questions.

I got my credit file and I'm still none the wiser what she was ringing about - it was so early and I was so shocked. However a letter arrived from Iqor yesterday and I'm still none the wiser. However I have taken on board all what I'm supposed to do. The cca letter is on its way!

 

So I just wanted to acknowledge your help. Thank you all again!

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Hi Sky :)

 

You've come to the right place.

 

Here's a brilliant guide to the forums by our resident Supermod. Have a read and then start your own thread and we'll all be in there to help you out.

 

Well done you!

 

http://www.consumeractiongroup.co.uk/forum/welcome-consumer-forums/107001-how-do-i-dummies.html

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Hi skycrystal and welcome to CAG. You're very welcome to all advice given and I hope you start your own thread so that we can all give you advice and asistance. If you are not sure how to do this have a read here http://www.consumeractiongroup.co.uk/forum/welcome-consumer-forums/107001-how-do-i-dummies.html You should also read the OFT guidelines on Debt Collection here http://www.oft.gov.uk/shared_oft/business_leaflets/consumer_credit/oft664.pdf

HAVE YOU BEEN TREATED UNFAIRLY BY CREDITORS OR DCA's?

 

BEWARE OF CLAIMS MANAGEMENT COMPANIES OFFERING TO WRITE OFF YOUR DEBTS.

 

 

Please note opinions given by rory32 are offered informally as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

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Here's a snippet of a complaint letter I wrote to Debt Manager's Limited following a particularly rude telephone conversation with 'Jenny' :

 

Jenny called to advise me that I have an outstanding balance £7198.54 and requested payment by credit or debit card. I advised Jenny that I was unable to make a payment of £7198.54, she asked why to which I replied, “Because I don’t have £7000.00”. My partner, who was in the room with me at the time, laughed and Jenny obviously assumed it was me laughing and snapped “Do you think this is funny Miss Clarke?”. I assured Jenny that I did not find this funny, indeed someone calling you on an evening demanding seven thousand pounds is not a laughing matter. I once again advised Jenny that I did not have £7000.00 available to pay her, and she asked me “Why is that Miss Clarke?” several times.

 

I obviously failed to come up with a reasonable answer to Jenny’s question as she next asked me to pay in 2 monthly instalments of approximately £3500.00 each. I advised Jenny that this was not possible, after all I don’t even earn anywhere near £3500.00 per month. Jenny then decided that I did not have £7198.54 to pay but could make a one off payment of approximately £5500.00. I advised Jenny that I did not have £5500.00 to which she asked if there wasn’t someone who could pay the debt for me. Had there ever been someone who could pay my debts for me, I would not have found myself in the difficult situation I am in now.

 

They have now agreed to no longer phone me and any contact will be made in writing.

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