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    • 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   
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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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      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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1st Credit! Need advice ASAP


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Hi all,

 

1st Credit are chasing a debt of mine which is for £1,330 on a credit card. I wrote to all my creditors stating I can only afford to pay so much a month and included an in goings and out goings spreadsheet aswell as I cheque to each creditor.

 

1st Credit cashed this cheque but today I get a letter from a solictor saying they are acting on behalf of 1st Credit and I have to make full payment within 14 days or they will issue proceedings against me in the county court.

 

The letter states that they are instructed not to enter into correspondence with me and all communications are to be made to 1st Credit.

 

What should I do?

 

Thanks

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Hi, Shaw26.

 

You need to establish if 1st Credit have any right to collect this alleged debt, send them a CCA request, with a £1.00 Postal Order, don't sign the letter.

 

Letter 'N' in the Templates Library.

 

http://www.consumeractiongroup.co.uk/forum/general-debt-issues/20758-creditors-dcas-letter-templates.html

 

Send it recorded.

 

Remember, never speak to these people on the phone.

 

 

Regards.

 

Scott.

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

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I already did that, they have tried phoning me so I sent them a letter saying I will only speak to them in writing and then I get the letter from the solictor. Im a little worried!

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Write to tell the solicitors that the alleged debt is in dispute as !st Credit have failed to respond to your CCA request and in pursuing you for the debt whilst the account remains in dispute, 1st Credit are in breach of the CCA 1974, the Administration of Justice Act Section 40 and OFT guidelines.

 

They cannot take any legal action unless they are able to produce the original agreement in court. It's a ploy to put pressure on you and is sometimes indicative of the fact that they cannot find an agreement.

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They did send me a copy of the CCA, but im just confused as they cashed the cheque after I sent them the letter saying I can only pay X amount each month. Shall I keep sending the cheques or contact the OC and arrange a monthly payment with them?

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when you send the letter did you include and income and exp sheet?

 

 

if you did, just keep paying what you proposed and stick to it,

 

if you didn't, send one with another letter inlcuding the payment and stick to it.

 

they would look pretty stupid , if you did this and stuck toit, if they took it any further

 

 

ida x

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can you post the cc they sent?

 

it wasn't just an application form was it?

 

ida x

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Yes I did send an in goings and out goings sheet! I do not have a scanner but the letter said the following on the CCA its a photocopy and on the letter is says:

 

please find enclosed an edited copy of the signed agreement fo the above account and would ask for your comments.

 

a) If you confirm that this si your signiture we will of course send you a complete copy of the relevanc document,We would also invite your porposals for settling this outstanding debt.

 

b)If this is not your signituatre we would ask you to provide our office with a copey of your signiture from an official document,(such as a driving licence/passport),to substantiate your claim,Please be assured that the matter will be incestigated mimmediately.

 

c)Where and address is detailed that you do not reside in we would ask you to cmomment on whether you ever resided at the address and if so the period of your occupation.

 

d)If we beleive that a fraud has taken place against you we will advise you.In these circumstances we would recommend tha tthe matter is reported to the local Police and 1st credit Ltd,will of course co-operate fully to ensure the matter is throoughly investigate.

 

Thank you for you assistance in this matter.

 

Yours sincerely

 

***

 

1st credit Ltd.

 

Then there are two pages which are photocopied from Aqua stating my personal details, pages 3 and 4 of 8.

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On the agreement does it have the prescribed terms. etc APr amount of credit , cancellation details etc?

 

If it has them just keep paying your proposed amount.

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On the one page is has my address details ,phone number etc on the second page at the top is says CREDIT CARD AGREEMENT REGULATED BY THE CONSUMER CREDIT ACT 1974.

 

then just small print with the following headings:

 

Parties

Key Information

Missing Payments

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i take there are details under key info etc about apr etc

 

 

idax

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a) If you confirm that this si your signiture we will of course send you a complete copy of the relevanc document,We would also invite your porposals for settling this outstanding debt.

 

b)If this is not your signituatre we would ask you to provide our office with a copey of your signiture from an official document,(such as a driving licence/passport),to substantiate your claim,Please be assured that the matter will be incestigated mimmediately.

 

1st credit Ltd.

 

.

There is a template letter you can send written by pt2537 (one of the Moderators) with regard to 1stCred request for your signature

 

 

He also advises that the Consumer Credit Act doesn't provide that they can demand your signature before they comply with your CCCA request, nor does the Data Protection Act. It does allow them to satisfy themselves as to your identity, but doesn't expressly state they can have your signature, so don't give them it or confirm it!!

 

Hope when you get your CCA scanned and posted , CreditCardmug and Ida confirm it's unenforceable:D.

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Yes I did send an in goings and out goings sheet! I do not have a scanner but the letter said the following on the CCA its a photocopy and on the letter is says:

 

please find enclosed an edited copy of the signed agreement Why is it edited, ask them this fo the above account and would ask for your comments.

 

a) If you confirm that this si your signiture we will of course send you a complete copy of the relevanc document,We would also invite your porposals for settling this outstanding debt. You already send a proposal with your income and outgoing spreadsheet, remind them of that

 

b)If this is not your signituatre we would ask you to provide our office with a copey of your signiture from an official document,(such as a driving licence/passport),to substantiate your claim,Please be assured that the matter will be incestigated mimmediately. Do not ever send them anything like this, they are happy to pursue so they must belive it is you

 

c)Where and address is detailed that you do not reside in we would ask you to cmomment on whether you ever resided at the address and if so the period of your occupation. none of their goddam business

 

d)If we beleive Big of them, they are now police as well as debt collectors that a fraud has taken place against you we will advise you.In these circumstances we would recommend tha tthe matter is reported to the local Police and 1st credit Ltd,will of course co-operate fully to ensure the matter is throoughly investigate.

 

Thank you for you assistance in this matter.

 

Yours sincerely

 

***

 

1st credit Ltd.

 

Then there are two pages which are photocopied from Aqua stating my personal details, pages 3 and 4 of 8.

 

Dont do their job for them, it is up to them to prove to you that the alledged debt is your

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