Jump to content


  • Tweets

  • Posts

    • 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
  • Recommended Topics

  • Our picks

    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • Hello,

      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.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 161 replies
    • 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
        • Like
  • Recommended Topics

***If you have a mortgage then this is for you***


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 5801 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

It will be better to have everything on one thread not quiet so confusing for us minions who take time to get togrips with these things

Think Ive got one up on GMAC today will elucidate later dont like the guests that look in

Link to post
Share on other sites

  • Replies 185
  • Created
  • Last Reply

Top Posters In This Topic

Top Posters In This Topic

Hi

 

Our mortgages have been bundled together and sold as portfolios. The profit is secure because of the equity in our properties (if I have got this right) so what happens now with property prices falling?

 

Will this mean that they will calculate what our interest rate should now be (once out of fixed term) to maintain the profit and not in accordance with Libor as they claim?

 

As prices keep falling will they keep putting rates up and try to con us that this is because of the Libor rate changing and hope that non of us have the savvy to understand what they are on about?

 

Also how many times do these portfolios get sold? Are they continually traded?

Link to post
Share on other sites

Precisely midge this is a major part of the problem of securitized loans. These debts/bonds have been sold as being triple A investments the highest rating & supposedly the least risky of all other investments.

 

Therefore they must maintain their value at all costs & if property prices look like dropping below their equity level the they will repossess at the drop of a hat.

 

If they don't maintain their value the buyer of the bond can sue the seller of the bond (including the listing agency) as some are already looking to do in the States

Link to post
Share on other sites

Of course your correct midge61 bur good luck with that.

 

This is after all the same FSA that has allowed the banks to stop refunding charges whilst allowing them to continue imposing charging.

 

It's also the same FSA that tried to suggest that ordinary investors in NR only had themselves to blame as they should have known the NR was securitizing it's sub prime loans into Granite & using that to support it's own borrowing

Link to post
Share on other sites

Guest TaffR
So in theory then if they keep raising their interest rates (so far in my case the initial rise is from 7.9% to 9.99% and LIBOR is 5.84%) without proper justification, would we would have grounds to ask the FSA to investigate this as an unfair practice.

 

YES!

 

Your contract should state quite clearly what the current postion of your payments should be: x amount above todays LIBOR for example.

 

LIBOR though does not change monthly and these 'lenders; Grrr! work on a quartly change.

 

The FSA do not accept complaints as such. The complaints procedures by the way is another anomoly that work agaisnt you/me. Future debate.

 

However, if enough people write to the FSA, MP, FOS etc then this will stimulate them into taking action and at the minimum you ahve a record and a letter in return from them if and when you ahve to go to court (god forbid).

Link to post
Share on other sites

Guest TaffR

The FSA are weak. I don't say anything that I have not told them and whenever at the highest possible level.

 

Dreadful!

Link to post
Share on other sites

well I've just ventured into the loft and got my mortggages docs out.

 

Seems my broker was a tied broker.

 

My fixed rate was infact 6.74% and once out of fixed rate will become a variable rate which is 4.25 above Libor so I should now expect a letter stating that my rate will now go to 10.99 :mad:

 

I have also found a section titled "Transfer of the company's rights" just as you said Taff giving them the right to pass it on and on again!

 

Have also found some references to "packager"

Link to post
Share on other sites

You have nothing to be sorry for Taff.

 

I think that it is good that you have managed to do all this and been able to put the information on a site such as this and explain it such a way that the rest of us can understand.

 

Hopefully now we can all work together to get things changed.

Link to post
Share on other sites

Guest TaffR

My fixed rate was infact 6.74% and once out of fixed rate will become a variable rate which is 4.25 above Libor so I should now expect a letter stating that my rate will now go to 10.99 :evil:

 

 

Not just a letter...you will get a phone call(s) too. This is to guage any sign in your voice or words that there could be a problem. It is not customer service. They are trained to look for signs. They want to and are paid to protect their portfolio investment at all costs.

 

Now me....knowing I can pay etc...(but this is just me)....knowing this....will make them sweat... but this is just me....

 

I cancelled my DD on purpose [due to theft] and pay when I want too within the month as technically (LEGALLY) you're not in arrears until the end of the month...this is just me and it is wrong!!! It is their systems that is all, that serves so many of their business mangememt reports.

 

I ask them to call me on other numbers when they call so again frustrate their systems and aims

 

But this is just me and I am well known to them and by the way they will select you out as 'troublesome' and take it personally.

 

This is like no other sector you know. The arrogance is incredible. You are made to feel like cannon fodder and this where it all goes wrong.

 

I have provided them in writing permission to speak about my account to speficic people in line with data protection act etc such as my solicitor etc if I am not available. They do not.

 

I get a solicitor to call them back now if and when they call (again just me) and they have nothing to say.

 

I also let them know directly that this is totally unacceptable and the reasons why so now they leave me alone but in other cases as we see they continue to harrasse and bully and charge where they can, again based on what you know and what they can get away with.

Link to post
Share on other sites

I am down as a trouble maker already so nothing new there lol

 

I stopped paying by DD over a year ago due to a change in my pay date.

the agreement I have is I have to pay by the 10th of the month which i do by cash directly into their account.

 

They then send me a letter dated the 11th or 12th of the month saying I am in arrears and I then write saying please provide a statement to prove this as I can prove I have paid. So far this works and no charges added!

Link to post
Share on other sites

Guest TaffR

They have transferred all my posts to the other link and I am not sure now due to this whether I can post in other threads or not. Now it looks like I have been talking to mysef, ranting even LOL because they never transferred the responses.

 

Sorry, guys, I do not understand forums much but dont wish to look like a fool and now I dont know what the rules are as the reasons for doing this was that I was posting to many threadts (4 at the most).

 

Good luck and my very best wishes to everyone.

 

Kindest regards,

 

TaffR

Link to post
Share on other sites

Just subscribing,

Im wondering if anyone have heard of Prime Business loans, I redeemed my mortgage early with massive fees to the Lancashire Mortgage Corporation ( Blemain Finance ) all my DD were to The Lanc Mort Corp yet my solicitor was insrtucted to pay the redemption fee to Prime Business loans, Ive had no dealings with this company and they dont appear to be reg with companies house, Ive looked and cant link them to either Blemain or Lancashire, Who are they and why would they be paid, my solicitor can shed no light on this company and said my house was defo in mortgage to the Lanc Mort Corp, they were not the broker either??? im at a loss as to who they are..anyone....Gc

 

Bumping, got caught in the middle of a discussion!!!!

Link to post
Share on other sites

Guest TaffR

Hi Groovycaz,

 

Was this a biz loan or just a normal residential remortgage or equity release?

 

Prime Business Loans...is this a Ltd company or as such?

 

Have you called Blemain or Lancahsire MC and asked?

 

I would have expected your solicitor to fully query this before payment.

 

Seems very odd.

Link to post
Share on other sites

H TaffR, no it was a mortgage, I bought an old building in 2000 which had been empty for a couple of years and wrecked, and as I live in a former mining village where at the time half the street was boarded up and empty no-one would fund us as it was semi commercial and uninhabital it was only £15000 so we paid half and got a small mortgage from the lancashire mort corp, through a broker for the other £7500, my solicitor made enquires (after I wrote to Blemain who fobbed me off with lies and said it was a secured loan) and he said it was defo in mortgage to the lanc mort corp, I paid 32 payments of £122.29 then wanted to redeem to a lower rate, i never missed a payment and to redeem i had to pay ££9,650.30 to Prime Business Loans, my solicitor wrote and asked if lancashire and prime were one and the same company but did not get a reply, I paid it as they would not release the deeds otherwise? I think it culd be a ficticious company cause no ones heard of them all the letters were from the lanc mort corp ive not got one letter from prime...Gc

Link to post
Share on other sites

Oh and i got a letter from Howard Laddin saying that despite their undertakings not to use the rule of 78 when calculating my redemption figure, in my case they were within their rights to use the rule of 78 and did so?

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...