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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
    • Punters are likely not getting the full amount of alcohol they are paying for, a new study suggests.View the full article
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    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
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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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Hi , Ive just joined up after finding you guys on a google search .

I am looking for help with a problem we may or may not have with Legal and General Insurance .

Just received a letter this am saying,

"Please contact me urgently to discuss your account and prevent possible action being taken.

If you fail to cntact we reserve the right to surrender or sell the policy assigned to us as security for your loan and use the proceeds towards repayment of all monies you owe us.

If it is surrendered the policy will come to an end and you will no longer enjoy the benefit of life cover .

Yours etc "

This is the first correspondence we have had with Legal and General for years , we have a policy to cover an endowment mortgage ,that is long since gone , but we kept the policy going as cannot get life insurance due to ill health. the policy is up to date payment wise as it has been paid by DD since the day it started .

Our old mortgage was with Nationwide , but the worrying part of this letter is at the bottom, were it says email recoveries @northern rock.

 

We have NEVER had any account with Northern Rock , so I am wondering what my next step should be ?

Has anyone had anything like this before

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Though the general advice is to never do anything over the phone, I think in this case a phone call is merited. Be very careful what you say, don't agree to or with anything just in case it's a very old debt that you'd forgotten about or something like that, but just ask for a full explanation of what the problem is. Once you're clear end the call saying you'll be in touch once you've considered the information. If you need help, post back.

 

Incidentally, if they don't already have your phone number, it might be an idea to withold it before you call.

RMW

"If you want my parking space, please take my disability" Common car park sign in France.

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  • 1 month later...

We have just had another letter from L&G, they wouldnt givemuch away over the phone .

This one says final demand and that if we do not act on the letter within 5 days then they will issue a notice of default.

These two letters have been the only correspondence that we have had from L&G in years .

It seems to definately look as if they have some sort of loan outstanding in our names .I am positive that we have never had a loan from L&G .Surely if ther had been a loan outstanding they would have made some sort of contact well before now asking for payment ?So can anyone advise what we should do next please. Should I do a S.A.R

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I would send a polite request asking for full details of exactly why they are writing to you. Say if this is an alleged debt you will require proof that it is your debt and that the amount outstanding is correct. Send your letter recorded, and don't sign but print your name.

RMW

"If you want my parking space, please take my disability" Common car park sign in France.

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I would send a polite request asking for full details of exactly why they are writing to you. Say if this is an alleged debt you will require proof that it is your debt and that the amount outstanding is correct. Send your letter recorded, and don't sign but print your name.

Thanks for the quick response .

I will write the letter now . Re signing the letter .

They have addressed it to my partner and to me , but have put my surname as my name before my marriage . They were informed of my change of surname over 18years ago , yet have not acknowledged this in this letter .

If we would have had a loan it would have only been in my married name , so which name do I sign as? I am thinking suspiciously here (only after reading so much about the underhand ways of financial houses on here ) or should the letter just be responded to by my partner for now?:confused:

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I think it doesn't matter which of you responds, so just get your partner to print his name. The fact that they are using your previous name implies that this is a very old account.

RMW

"If you want my parking space, please take my disability" Common car park sign in France.

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  • 4 years later...
Sounds like a [problem]?

Are you sure its from L & G? Do they give any details; such as policy number etc.?

They are pretty straight and have nothing to do Northern Rock!

 

Sorry for the delay , it is L&G and they do have something to do with Northern Rock , it is their mortgage arm of the company .

 

The upshot appears to be that a loan was taken out against an endowment policy in 1999 at our old address ,that the policy was to have covered to clear the mortgage , but we had moved the previous year and had tenants in the property .

The loan was also paid into an old unused bank account. It was also taken out in my maiden name , yet both the mortgage company and LG had been told 10years previously of our marriage . Does anyone know where we stand on this please ,

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ops should of done a bit of research first, get quite tangled these firms, sorry.

suggest you contact them, by email preferbly and get all the details, or do a SAR and enclose postal order for ten pounds.

SAR will make them give you all the information they have on this.

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I spoke to L&G oN Friday and she sent me what they said was a copy of the original application , apparently the loan they gave was for £3500 and they are now saying that with the interest accrued on it , it amounts to £10000 + the worry is that the original application was sent to our old address in 1999 , and it looks like they paid the money into an old bank account of mine . The signatures on the application , whilst they are our names , are definateley not by our signatures . The other worry is that IF we had this loan , then why were we never contacted by L&G prior to 2008 asking for a payment , as they were taking the premiums for the endowment from OH bank account up until last week .

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What happened to the money in the old account?

did you make any payments on the loan at all, or are you saying you did take it out?

In the normal sense, it would be statute barred and that would be the end of it, however they have access to your endowment policy as they have said.

Whether this is legal; not sure. but banks do it all the time.

You may need to get legal advise.

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What happened to the money in the old account?

did you make any payments on the loan at all, or are you saying you did take it out?

In the normal sense, it would be statute barred and that would be the end of it, however they have access to your endowment policy as they have said.

Whether this is legal; not sure. but banks do it all the time.

You may need to get legal advise.

 

I thought I haad posted a response to this the other day , but obviously it didnt .

 

Spoken to someone else today at LG , told them the signatures were not ours.

Reiterated about our marriage and the fact that they were told in 1989.

Told them we had moved in 1998

 

She told me to get intouch with NRAM , which I did , spoke to a guy there , who was a dopey as anything ,said he couldnt see why L G had told us to get in touch , as he couldnt see anything relating to us ?????

 

Another worry is that in the course of the conversation with LG , I was told that to speed things up that we didnt need to sign the maturity form that they could do the verification over the phone ???????? No wonder I am having to deal with this mess .

 

 

 

Found this

 

NRAM Mortgages are now managed by a private holding Company called UK Asset Resolution Limited who unlike all other High street Banks and Building Societies are not regulated by the Financial Services Authority.

I am also wondering if the loan falls in to the non compliance area , due to there being only 2 pieces of paperwork , and nowhere on it does it give full details of the loan ?

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what happened to the money!!??

 

Sorry , I dont know , I just assumed that it was a bank account of mine , because the last time I had a bank account in my maiden name would have been in 1989 and I just stopped using it as I got a joint account with my OH . I just know that we didnt get the money

 

I also spoke to the Ombudsman today , he seemed to think that if al else fails the fact that there is such a big gap in time from the start of this until LG or NR did anything that the Statue would apply ,

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I am trying . I remembered also that around the same time , someone used my mothers identity to get various things , her name is the same as mine (maiden) , recall going to the police at the time and they werent interested .

I am going to go back to LG today and try again . There appears to be no credit agreement on file the only paperwork relates to what appears to be an enquiry form . That in its self CANNOT BE LEGAL SURELY?

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Today I have spoken to the OFT , FSA and Ombudsman . Aswell as National Debtline . who turned out to be the most helpful . According to them regardless the loan is Statute Barred , LG have no right to assign any of our monies to NRAM without our permission and if NRAM feel that there is a debt is is up to them to pursue not LG .

 

One other factor that ND mentioned that as we were using this money to clear our mortgage arrears , we are running out of time because of their actions . This is causing us stress and in the event that our mortgage company gains possesion of our property we will pursue them for compensation in the event of any losses incurred by their lack of action in finalising the matter .

 

I just need to find the right way to word that .

Edited by strappedforcash
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