Jump to content


  • Tweets

  • Posts

    • Hi all, an update on the case as the deadline for filing the WS is tomorrow i.e., 14 days before the hearing date: 7th June. Evri have emailed their WS today to the court and to myself. Attached pdf of their WS - I have redacted personal information and left any redactions/highlights by Evri. In the main: The WS is signed by George Wood. Evri have stated the claim value that I am seeking to recover is £931.79 including £70 court fees, and am putting me to strict proof as to the value of the claim. Evri's have accepted that the parcel is lost but there is no contract between Evri and myself, and that the contract is with myself and Packlink They have provided a copy of the eBay Powered By Packlink Terms and Conditions (T&Cs) to support their argument the contractual relationship is between myself and Packlink, highlighting clause 3a, e, g of these T&Cs. They further highlight clause 14 of the T&Cs which states that Packlink's liability is limited to £25 unless enhanced compensation has been chosen. They have contacted Packlink who informed them that I had been in contact with Packlink and raised a claim with Packlink and the claim had been paid accordingly i.e., £25 in line with the T&Cs and the compensated postage costs of £4.82. They believe this is clear evidence that my contract is with Packlink and should therefore cease the claim against Evri. Evri also cite Clause 23 of the pre-exiting commercial agreement between the Defendant and Packlink, which states:  ‘Contracts (Rights of Third Parties) Act 1999 A person who is not a party to this Agreement shall have no rights under the Contracts (Right of Third Parties) Act 1999 to rely upon or enforce any term of this Agreement provided that this does not affect any right or remedy of the third party which exists or is available apart from that Act.’ This means that the Claimant cannot enforce third party rights under the Contract (Rights of Third Parties) Act 1999 and instead should cease this claim and raise a dispute with the correct party.   Having read Evri's WS and considered the main points above, I have made these 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. 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. 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. 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. 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.  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. Clearly Evri have not read by WS as the above is all clearly explained in there.   I am going to respond to Evri's email by stating that I have already sent my WS to them by post/email and attach the email that sent on the weekend to them containing my WS. However, before i do that, If there is anything additional I should further add to the email, please do let me know. Thanks. Evri Witness Statement Redacted v1 compressed.pdf
    • Thank you. I will get on to the SAR request. I am not sure now who the DCA are - I have a feeling it might be the ACI group but will try to pull back the letter they wrote from her to see and update with that once I have it. She queried it initially with 118 118 when she received the default notice I think. Thanks again - your help and support is much appreciated and I will talk to her about stopping her payments at the weekend.
    • you should email contact OCMC immediately and say you want an in person hearing.   stupid to not
  • 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

Lowell Portfolio 1 Ltd are after me- please help!


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 5845 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

Hello,

I'm having such a problem with Lowell Portfolio 1 Ltd.

They say i owe £156.13 and are acting on behalf of O2. Though I haven't been with O2 since 2004 and this "debt" may have been from before that.

They sent me numerous letters from Red debt collection services and Hamptons Legal.

In response I sent them the recommended letter where you send £1 and ask for a copy of the credit agreement according to the Consumer Credit Act (CCA) 1974.

However they replied saying that the account agreement I ask for is not regulated under the CCA 1974 and that they are under no obligation to do so.

So now I dont know what to do as they have threatened me with county court proceedings and additional fees for legal proceedings.

If anyone can help, I'd really appreciate it!

Link to post
Share on other sites

CCA's do not normally cover Mobile Phones etc.

 

You need to S.A.R - (Subject Access Request) o2 to get a copy of the contract (if it was a contract phone) and all statements etc, they must provide it within 40 days,

 

also do not talk to Lowells/red or hamptons on the phone (they are all they same firm)

 

Write a letter stating that until they can prove the debt exists then you are not obliged to do anything, there is a template on here that I or someone will post.

Link to post
Share on other sites

This is bog standard Lowell Bovine Excrement. First of all they have to PROVE a debt exists. Then if you refuse to pay it they MAY take you to court and if they do they MAY be successful and a court MAY order you to pay the debt and the court MAY award costs to Lowells. If you re-read their threatomatic letter you will see that just as in my reply there are an awful lot of IFs and MAYs in their letters.

 

Rather than spending £10 on an SAR to O2 send this letter to Lowells

 

 

Dear Sir/Madam

 

You have contacted me/us regarding the account with the above reference number, which you claim is owed by myself/ourselves.

 

I/we would point out that I/we have no knowledge of any such debt being owed to (insert company name).

 

I am/we are familiar with the Office of Fair Trading Debt Collection Guidance which states that it unfair to send demands for payment to an individual when it is uncertain that they are the debtor in question.

 

I/we would also point out that the OFT say under the Guidance that it is unfair to pursue third parties for payment when they are not liable. In not ceasing collection activity whilst investigating a reasonably queried or disputed debt you are using deceptive/and or unfair methods.

 

Furthermore ignoring and/or disregarding claims that debts have been settled or are disputed and continuing to make unjustified demands for payment amounts to physical/psychological harassment.

 

I/we would ask that no further contact be made concerning the above account unless you can provide evidence as to my/our liability for the debt in question.

 

I/we await your written confirmation that this matter is now closed. Otherwise I will have no option but to make a complaint to the trading standards department and consider informing the OFT of your actions.

 

I/we look forward to your reply.

 

Yours faithfully

Link to post
Share on other sites

Hello All,

 

I dont know if Im even posting in the correct place as Ive just joined. I also have troubl with Lowell Portfolio. I received a letter from them about month or so ago saying that I owed them £356 from Barclay Card. I have not actually had a Barclay Card account for years now. I did call up Barclays and they said they did sell my account (which I had thought I hd paid off anf closed) to Barclay Card was in August 2002 so just under 6 full years.

 

Since then I have received other letters from Lowell saing they will send debt collctors to my house etc if I do not pay them. I rang them today and asked them to prove I owe them anythingas as far as I am concrned I settled my debt with Barclays years ago. They replied by saying... 'the letter we sent you is proof'????? I amost laughed and replied...'so if I sent you a letter saying you owed me x amount of money does that mean you have to pay me?' I stressed I needed some sort of evidence I owe them or that they bought this from Barclays. He said he would send me a letter and that was it.

 

I do plan to write to them aswell now. I honestly do not remember having this debt. How come I have not heard from anyone in the last almost 6 years?

 

Please can someone advise me what to do. What letter should I send them?

 

Thank you

 

From

Stressed Me!

Link to post
Share on other sites

I would wait for their next letter and see what these idiots say, the longer it takes the more likely it will reach the 6 year point and be statute barred.

 

If they ring again which they will, just say in writing and hang up, this really gets to them:)

Link to post
Share on other sites

I was planning on sending them a letter basically confirming what I said on the phone asking for some type of proof. Ill wait for them to write again and see what they say. Just a quick question what exactly do I ask for when I write to them? Proof of what? That they got this asccount from Barclays? What is the correct terminology? Even better a letter template... Please bare with me I am new to this forum and have been trying to figure out how to do things!

 

Thanks

 

Stressed Me :confused:

Link to post
Share on other sites

Please excuse my terrible terrible typing above lol. I only just re-read my post and was cringing looking at all my typo errors ahhh! How do I start my own thread? I feel bad highjacking someone elses?

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...