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    • This must be part of the new tactic from Evri.  They know they are going to lose. They take it to the wire and then don't bother to turn up in order to save themselves costs and of course they don't give a damn about the cost to the British taxpayer and the extra court delays they cause. This is a nasty dishonest company – but rather in line with all of the parcel delivery industry which knows that their insurance requirements are unlawful. They know that their prohibited items are for the most part unfair terms. They know for the most part that a "safe place" is exactly what it means – are not left on somebody's doorstep in full view. They know that obtaining a signature means that they have to show the signature not simply claim that they received a signature. They are making huge profits especially from their unlawful and unenforceable insurance requirement. Although this is less valuable than the PPI scandal, in terms of the number of people who are affected nationwide, PPI pales into insignificance. I hope the paralegals working for Evri are proud of themselves and they tell their families what they have done during the day when they go home.
    • Your PCN does not comply with the Protection of freedoms Act 2012 Schedule 4 Section 9[2][a] (a)specify the vehicle, the relevant land on which it was parked and the period of parking to which the notice relates; The only time on the PCN is 17.14. That is only  a time for there to be a period there would have to be a start and and end time mentioned. of course they do show the ANPR arrival and departures  times but that is not the parking period and their times are on the photographs not on the PCN. They also failed to comply with S.9[2][f] as they omitted to say that they could only pursue the keeper if they complied with the Act. That means that they can only pursue the driver as the keeper cannot be held liable for the charge. As they do not know who was driving and Courts do not accept that the driver and the keeper are the same person they will struggle to win. Especially as so many people are able to legally drive your car and you haven't appealed giving them no indication therefore of who was driving. Small nitpicking point-the date of Infringement was 22/04/2024. They appear to be saying that they can charge an extra amount [up to £70 ] if they have to use a debt collector. You do not have a contract with a debt collector so they cannot add that cost. You paid for four hours so it can only be the 15 minutes they are complaining about. You are entitled to a ten minute minimum grace period at the end of the parking period which would be easier to explain if the car park had been bigger. However if you allow for two minutes to park and two minutes to leave that gives you one minute to account for. Things like being held on the way out by cars in front waiting to get on to Northgate or even your own car being held up trying to get on to Northgate at a busy time. then other considerations like having to stop to allow pedestrians to walk in front of you or being held up by another car doing a u turn in front of your car. you would have to check with the driver and see if they could account for an extra one minute things like a disabled passenger or having to strap in a child . I am not advocating lying since that could lead to serious problems [like jail time] but there can be an awful lot of minor things that can cause a hold up of a minute even the engine not starting straight away or another car being badly parked as examples. Sadly you cannot include the 5 minute Consideration period as both IPC and BPA fail to comply with the convention that you can include that time with the Grace period.  
    • Defence struck out not case struck out...you have judgment  Well done topic title updated Regard's Please consider making a donation if not already to support us to help others.   Andy.   .
    • Hi all, I wanted to update you and thank you all for your help. I am delighted announce that after the case was struck out due to no response from Evri, judgement was issued after I submitted the forms and I was just about to take it to warrant.  today I received an email from the claims department requesting my bank details to make payment for my full award. The process has been long since the initial proceedings  in January i must say your help and guidance has been greatly appreciated.  
    • Quote of the century "Farage pops up when the country’s at a low ebb; like a kind of political herpes" - Frankie Boyle Updates
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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.
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      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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How can I get a mortgage when I have had really bad debt and awful credit rating


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Hi all

I am new to posting and have only used this site to help me claim my unfair bank charges. I am not sure if I am posting this in the correct place. Sorry if I am not. I got myself into very bad debt a few years ago and took out lots of credit cards, loans and more loans, store cards, catalogues. Anyway with the help of my boyfriend I have started to pay off a few of the horrible debts back in september last year and have recently got a DMP and am paying them £200 a month to pay off my £9000 debt. I think this will take 4 or 5 years. I owe my father £4000 and I pay him £80 a month and I have a car which I pay £130 a month for. So it is managable. Obviously in the past I have defaulted and have large arrears, so my credit rating is shot to peices. Myself and my boyfreind want to move in together he has a fairly good credit rating and mine is dire. We don't earn that much money, I get £15,000 a year and he gets £14,000 a year. He wants to buy somewhere but the house prices are so high, he can't do it on his own and if I go in on the mortgage with him even if I found somewhere which would except me, my credit rating would make the interest rates really high. I don't know what to do. I am improving my credit rating doing everything I can. I am even willing to sell my nice car and buy a run around so that I can afford payments for a house. I am 28 and still living at home. Has anyone got any advice they could offer me? I did try a local authority their help to own scheme but was refused as they said I needed all my wages to pay the mortgage and bills and would not be able to pay my debt as well (I applied for this on my own before my boyfriend came along and they have now stopped this scheme). I don't know what to do I don't want to be at home for the next 4-5 years. Help

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I think you'll find it difficult, sorry not to be able to give good news, mortgages are going to be more difficult to get, and those with a poor credit history will find it even tougher, the only ones that will offer you a secured deal is the ones that deal with customers who have a poor credit history and charge a huge amount of interest....also the days of the 100% mortgage are almost over, so you will need a deposit too....

 

Have you considered renting as a start ? I know it is money not well spent, but it will give you and your boyfriend some independance.

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  • 2 weeks later...

Hi

 

Try Chelsea Building Society they offer adverse credit mortgages at not bad rates considering. They allow any number of CCJ's and a satisfied or current satisfactory IVA.

 

Show them your in a posistion to pay try stump up a deposit and your away.

 

Good luck!

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IVA Entry Removed

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