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    • I'm trying to unravel this – but I get the impression that there was no contract between you and EVRi and that you didn't even choose them but instead you decided use some third party parcel broker in the USA which organised the delivery. Is this correct? EVRi came into the picture because they would then eventually selected for part of the journey although you had no knowledge that it might be them and I suppose it didn't really matter as long as the item got to you. Secondly, I really don't understand the journey which this item made. You bought the item from somebody in the USA. They then were meant to dispatch it to you to another address in the USA but for some reason or other it came to the UK and then into the hands of EVRi at which point it was lost or stolen. More confusion here because you now tell us that EVRi marked it as being out for delivery but it was never delivered. This suggests that it was going to be delivered to a UK address but earlier on you said that it was going to be delivered to USA address. I think you need to look at the story. Maybe show it to a friend of yours who is not particularly where the details and ask them if they can make head or tail of it and then come back to us with clarification so that we fully understand. Also, I think we'd like to know what the item is, how was it declared, what was the value which was declared. You said it was a valuable item because it was rare and collectable. I gather from this that it is non-fungible. We need to understand more about this. Was an insurance policy purchased to cover it during the delivery process. I understand that this rare and collectable item be valued at £200. Have evidence this value. This could become very important. Also you have given is no idea when this happened. We need to understand the full timescale. There are a number of possibilities here including the possibility of the contract action against EVRi on the basis of your third party rights or an action for negligence but we need to know far more and we need to get a story that makes sense.   Finally, I understand that you have sent the letter of claim. What did it say? How much time did you give them? What did you expect to happen as a result of the letter of claim? Whatever the answers to those questions might be, clearly you had no idea how to proceed after having sent such a letter. A letter of claim is meant to be a serious threat of some legal action if some condition which you have stipulated is not complied with. You set a deadline for compliance and at the end of that deadline you issue the court action. Clearly you are not in a position to do that so your letter of claim is a bluff and undermines your credibility and it will find its way into the EVRi wastepaper basket – if it's not there already.  
    • Good morning. I just wanted to check something please. The other side have moved slightly and negotiated a full and final offer price to end this matter. I am happy with this. However, I want to make sure this is the end of the matter and am emailing the following over to them prior to payment. Is this enough to ensure they can come back for nothing else? Thanks -------------------------------------------------- Dear Sir.   With regards your last email below.   I am pleased to agree to the full and final settlement figure given below.   Can you confirm this payment will be in full and final payment with no further claim to be brought against me in this matter?   Best regards
    • 100% sure I didn't receive it, that why my first post is with the £100 letter.
    • Engine, the technology business Starling Bank was built on, has been busy launching banks around the world, from Romania to Australia.View the full article
    • use this your WS and inc this as an exhibit off to bed now 3 nights been up till 4am aurora watching wont be on too early as it's lambing season out herding with the dog. your WS main thrust is the debt would now be SB'd , the DN was filed xxxyrs+months after it should have been thus unlawfully extending  SB date to infinity. highlight their admittance regarding errors at that time period in your 'redetermination'  paragraph. agreements unreadable. would have already been written off due to SLC age write off criteria has they not issued the claim to stop the SB clock when they had no paperwork to prove their case in the 1st place. never earned over threshold. dx       Erudio - stopped sending email deferments won at FOS DRN-4141462.pdf
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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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NatWest are scum! (Allegedly)


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12 months ago NatWest removed a default and refunded charges on my girlfriends credit card. They couldn't supply a copy of the original contract for the account, so the default was unforcable.

 

At the time we were turned down for a fixed-rate mortgage with Halifax and ended up with a tracker mortgage with Platform. Of course, we've been paying over the odds with this mortgage with interest rate rises.

 

Having complained to NatWest requesting they reimburse us for overpayments due to interest rate rises, they are not communicating with us. They did respond to our complaint initially, sent to them at the end of 2007, but nothing since.

 

This was sent to cheif exec Fred Goodwin and is being handled by Kay Majid within Group Litigation, so they must acknowledge the seriousness. Their initial response requested a number of things form past statements with Platform, to evidence we had applied to Halifax and been turned down, something our financial advisor has confirmed in writing, of which we sent a copy to them.

 

It has been over 3 months since we sent this and they have not responded. Calling Kay Majid simply results in her saying we'll recieve a response soon - but we've not. Almost 2 weeks ago I sent a letter saying they have broken FSA guidelines and unless they respond within 2 weeks I will refer the case to the financial ombudsman.

 

Is this the right thing to do? They owe us around £1,600.

Edited by forthepeople
Had initially stated this was a curent account. It is a credit card.
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12 months ago NatWest removed a default and refunded charges on my girlfriends current account. They couldn't supply a copy of the original contract for the account, so the default was unforcable.

 

For a current account they don't have to have a copy of the original contract. That is only for credit cards, loans and hire purchase.

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If its of any use to you, Natwest recently put a late payment marker against our mortgage account, which was a mistake on their behalf and blatantly wrong. They also turned us down for an advance on our mortgage due to their own incorrect information. After a few phone calls and a complaint to Borhamwood got the info removed and got £100 compensation from them. I appreciate your complaint is far more serious and costly, but would think that if you persue it you will get somwhere. Not sure the Ombudsman will be any quicker though. there's better informed people than me who would be able to advise you.

 

Are you certain that the Natwest default was the reason you were turned down by the Halifax? Have you checked both your credit files to see if anything else is lurking on there? just a thought..

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Thanks WendyB. The default was absolutely the reason we were turned down as a credit check was done at application and we passed. The default was registered a month later. Halifax later did another credit check and failed us. This was the only entry on our file within this time span. We've both got very healthy credit ratings, this having been the only negative entry.

 

I wonder if I should go straight to court instead of the ombudsman as they've already admitted their error (removing the default) and we're just waiting to be compensated accordingly.

 

Wonder if anyone else has any thoughts on this?

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Ok. Spoke with NatWest complaints team to see what the status of our complaint is. They say they cannot find me on their system and no record of any complaint. We are well and truly being messed around and our recorded letters not being replied to.

 

We spoke to the financial ombudsman and they will get in touch with NatWest on our behalf and send us forms so we can refer it to the ombudsman if they fail to deal.

 

Have NatWest broken any rules here in that we should be entitled to further compensation? Don't they have to keep account details for a number of years even after account closure?

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I think I am right in saying it has to be 7 years. If it were me I would keep all communication to the written word on both sides; that way there is no disagreement as to what are the true facts.

 

 

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I think I am right in saying it has to be 7 years. If it were me I would keep all communication to the written word on both sides; that way there is no disagreement as to what are the true facts.

 

Have they infringed some Act by losing/deleting account information? Compensation for this?

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Can't believe NW haven't got them after only 2.5 years. I understand companies have to keep them for a minimum of 6 years after your contract (account) has finished. Think it's statutory - to do with Companies Act & Statute of Limitations etc. Maybe check on the provisions of the act?

Any knowledge I possess or advice I proffer is based solely on my experiences in the University of Life. Please make your own assessment of legality, risks & costs before taking any action.

 

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