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    • 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
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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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Help Please Re: CCJ From Northampton CCBC - ***DISCONTINUED***


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Yay! I got offered the job and start next week, there was no mention of any credit checks :)

 

Oh well done you. I am so pleased. That is one worry sorted. Now as andy says, you can concentrate on sorting out the muffins. :D

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Thanks guys :)

 

Yes, the next step will be to sort out the muffins!! As Arnie said - I'll be back!!!

 

 

That's good. :)

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1: How can BCOBS protect you from your Banks unfair treatment

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Hello, Mrs Z here again!! Just an update.

 

It doesn’t come as a surprise really, but, DH had a letter from Incasso LLP reference the CCJ and the Co-op – it says that they have referred the “part 18” request to their client to provide the details/docs ASAP. They go on to say that it is unlikely that the details will be accessible within the time requested. Also, within the guidelines as set by the court he has until 27th July to file his defence and/or counterclaim.

 

From what both DH and I have read on this forum, it seems it’s rare that part 18 requests are fulfilled. I will take a look around to see what has to be done, because we don’t want him playing into the Un co-operative banks hands and let them win due to lack of preparation for the defence.

 

I can’t believe they went straight for the jugular and didn’t give DH the opportunity to deal with a friendly (not) DCA – lol!! Complete barstewards.

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Good Morning Mrs Z.. well they certainly know how to wreck a girl's day dont they.

 

Personally, I am not sure what the procedure is now. It appears they are using delaying tactics which will obviously go in your favour and I would say that you will be advised to offer an "embarrassed defence" with the request that once these guys get their fingers out and provide you with the information you require you can amend.

 

Hopefully, someone with more knowledge will pop in later on today. If not, I will hit the panic button for you.

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1: How can BCOBS protect you from your Banks unfair treatment

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Good morning citizenB,

 

Thank you very much for replying so quickly!

 

Yes, I’ve read a couple of threads concerning the “embarrassed defence” and did wonder if that would be the route DH should take. I’m trying to get as much info as I can to help DH prepare, it seems only fair as I am not working yet! Having said that, I would help him anyway, after all, we are a partnership.

 

You’ve been really kind and I am really grateful for the help, as I know DH is too. It’s a really dreary day here weather wise and doesn’t do much to keep ones spirits up!! Still, as they say – what doesn’t kill you makes you stronger, just have to keep up the good old British “stiff upper lip” attitude and not let the Barstewards grind us down eh??

 

Sorry for going on and thanks again :)

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You are more than welcome. As you say, dont let the b*ggars get you down.

 

Yes, it is a good idea to read as much as you can, so that you can understand all the stuff you will need to collect. :)

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Uploading documents to CAG ** Instructions **

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2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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Bump:D

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2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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Hi dont worry about the letter in post 29, standard stuff, suggest you phone the court to get a date for filing your defence, and bear in mind it will be too big to do online so will have to be posted

Please note i have no legal training any advice i give comes from my own experience and from what i have learned on this site

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Hello creditcardmug (love the user name!!)

 

Thanks for your message, DH is off today so he will phone the court to get a date. The defence will be prepared and sent by special delivery, from what we've read, that's how most people have been advised to do it.

 

Appreciate your help :)

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Hello, Mrs Z here,

 

DH has just phoned Northampton Court, the date his defence has to be in by is the 25th July.

 

I have a few questions if I may.

 

Is it best to go with the “embarrassed defence” as said before in this thread?

 

How long should DH allow for the defence to arrive by special delivery in time for the 25th July? (I understand that special delivery is guaranteed next day delivery, but am sure I have read on the forums that a bit longer than the day before should be allowed).

 

What happens if Incasso/Co-op comes up with the required info after DH has sent of his defence and what should he do?

 

Any help appreciated very much, thank you :)

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Mrs Z again,

 

forgot to ask, DH makes monthly £1 token payments to all his creditors, they are due to be paid today, should he still pay Co-op (Smile) as usual, even though there is this CCJ against him?

 

Sorry if this is a stupid question (we're guessing the answer is yes) but want to be sure.

 

Thanks again :)

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Mrs Z again,

 

forgot to ask, DH makes monthly £1 token payments to all his creditors, they are due to be paid today, should he still pay Co-op (Smile) as usual, even though there is this CCJ against him?

 

Sorry if this is a stupid question (we're guessing the answer is yes) but want to be sure.

 

Thanks again :)

 

Once they issue a claim, i wouldn't pay them anything until the matter is resolved, 23rd should ok to by SD

Please note i have no legal training any advice i give comes from my own experience and from what i have learned on this site

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Hello, Mrs Z here,

 

DH has just phoned Northampton Court, the date his defence has to be in by is the 25th July.

 

I have a few questions if I may.

 

Is it best to go with the “embarrassed defence” as said before in this thread?

 

How long should DH allow for the defence to arrive by special delivery in time for the 25th July? (I understand that special delivery is guaranteed next day delivery, but am sure I have read on the forums that a bit longer than the day before should be allowed).

 

What happens if Incasso/Co-op comes up with the required info after DH has sent of his defence and what should he do?

 

Any help appreciated very much, thank you :)

 

 

Yes, go with the embarrassed defence but adding that you would like permission to amend it if and when the claimant provides the information requested.

 

Have you sent off the CPR letter requesting the information you want ?

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

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Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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Thanks for your reply creditcardmug, ok, DH won't pay them then and thanks for the info regarding when to send the defence by SD. Thanks again :)

 

Thanks for your reply citizenB, will add the extra info that you have kindly provided regarding the "embarrassed defence". Yes the CPR letter was sent recorded delivery and Incasso replied with the letter I posted about on friday. Thanks again :)

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Thanks for your reply creditcardmug, ok, DH won't pay them then and thanks for the info regarding when to send the defence by SD. Thanks again :)

 

Thanks for your reply citizenB, will add the extra info that you have kindly provided regarding the "embarrassed defence". Yes the CPR letter was sent recorded delivery and Incasso replied with the letter I posted about on friday. Thanks again :)

 

 

My apologies, yes you did. You could include that letter in your bundle to prove they are attempting to frustrate your defence :D

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Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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Guest forgottenone

Then, in order not to confuse your issue with the OP, you will need to post it in a new and separate thread. :) From which everyone else will help you. They can't if you post it in someone elses thread ... :)

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The particulars are a joke and a firm of solicitors has no business filing/serving the same. No account number, no date of agreement and no indication of the nature of agreement (whether fixed or revolving credit etc). Forget the silly letters. Make an immediate application pursuant to Part 3 CPR to strike out and in the alternative, clarification of the particulars, which are clearly an abuse of the process.

 

Whoever prepared the POC should be ashamed. It is a disgrace!!

 

Make the application, be an aggressive litigator and use the rules to your advantage. They will laugh at a silly letter, requesting documents, some of which have no relevance to the action and form a request for specific disclosure. The letter looks like a DPA 1998 request and has been drafted with little regard to a tactical battle in litigation, in that it attempts to light the fuse of an empty firework - it will fizzle and thats it!!

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The particulars are a joke and a firm of solicitors has no business filing/serving the same. No account number, no date of agreement and no indication of the nature of agreement (whether fixed or revolving credit etc). Forget the silly letters. Make an immediate application pursuant to Part 3 CPR to strike out and in the alternative, clarification of the particulars, which are clearly an abuse of the process.

 

Whoever prepared the POC should be ashamed. It is a disgrace!!

 

Make the application, be an aggressive litigator and use the rules to your advantage. They will laugh at a silly letter, requesting documents, some of which have no relevance to the action and form a request for specific disclosure. The letter looks like a Data Protection Act 1998 request and has been drafted with little regard to a tactical battle in litigation, in that it attempts to light the fuse of an empty firework - it will fizzle and thats it!!

 

Hi,

 

The POCs are quite often the standard we see on here, nothing surprises us im afraid.

 

I would ask that you also bear in mind that our members are not Lawyers, many do not understand the court procedures and find them very frightening, so spare a thought for that when you start criticising the letters and firing off CPR this and that, many people dont understand the procedures that you are referring to, so please if you are going to make a statement like that, make the full statement and tell the people how to do what you suggest

 

from the people i have helped on here, i try to take a view through their eyes, there is no point making complex legal arguments if the person who will be standing up in court simply cant understand it!!!!!!! or argue it in court

 

Regards

 

Paul

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Thank you for your message aloysiush, I must admit that it has confused me somewhat, my DH is merely a lay person and I think it may well confuse him too! Are you a solicitor?

 

Thank you for your message pt2537, I fully agree with your comments! Is the defence (embarrassed defence) my DH was going to do still alright to do? It's a worrying time as it is and now feel left in a quandry.

 

Appreciate your help and advice :)

 

Mrs Z

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Pikey has started a thread . .

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WARNING TO ALL

Please be aware of acting on advice given by PM .Anyone can make mistakes and if advice is given on the main forum people can see it to correct it ,if given privately then no one can see it to correct it. Please also be aware of giving your personal details to strangers

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