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    • Any chance of some advice with filling in the N164 please?    I've sent an EX107 to the Court to request transcript of the Judgment to use in an appeal but the Courts still haven't actioned this and my 21 days expires on Tuesday
    • 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   
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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.

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      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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morgan stanley or barclaycard ***DELIGHTED**


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I also think this needs to be sorted.

 

The first time i was in court, about a year ago, a gut was in claiming back charges on a Monument card. He had claimed against Monument.

 

The Judge informed him that as far as she was aware, Monument was simply a trading name of Barclays Bank PLC, so she could not give judgement unless he went away and changed the name of the defendant on his claim form.

 

She adjourned the case to allow him time to do so, though.

 

I believe "Goldfish" is similarly simply now a trading name of Barclay's, the same as Barclaycard itself.

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ok i can see a possible mistake i have made.

 

The in S.A.R i sent to barclays i have quoted my old account number and not the new account number supplied by barclays.

 

opps!

 

This then is maybe a claim against goldfish given the account number i quoted.

Or should i just now make a S.A.R barclays quoting my new account number and start again.

 

ok. the spread sheet. i can enter my details of charges and add the interest quoted by the calculator in your link. (one at a time) wich is compound interest.

 

If i make a claim against a bank will they recognise compound interest as a normal addition.

 

Is compound interest the % figure i see on my statement.

 

Do most people bother to claim interest

 

should i bother.

 

Thanks noomill

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Hi, I dont think the mix up with account numbers will matter. Dont bother SARing them again.

 

I dont use the spreadsheet, I use Compound interest calculator and work out the interest on each charge individually. It makes you realise exactly how much they have scammed out of you!

 

The bank charges you compound, so they will of course recognise it and more importantly, so will the court.

 

When you know the compoind interest for each charge, add all the interest figures up and add them to the total of the charges.

 

This will be the amount they have scammed out of you and the amount to claim back.

 

The charges are unlawful, so therefore any interest added to these charges is also unlawful.

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hi,

ok im sure this is where i was at before i got lost. i understand my charges, i also understand to calculate the interest on each indivdual charge by the days past since the charge was applied.

 

this interest is called compound interest. ok.

 

Is compound interest the one quoted on my statement, in my case 23.90%

 

thanks noomill

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hi,

I have again looked at the interest quide and i can see the sums for compound interest and i understand the calculations using the simple fiqures in the quide.

 

compound interest is calculated by applying the period rate to the outstanding ballance.

 

Please forgive me as i do not understand what is meant by period rate.

 

Is it the 2% you used in the example as this comes to 26.82% and mine is 26.90%

 

thanks

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so if i understand

 

a 20 late fee in 2002 and a claim date of 2008 with interest @ 26.90% for 6 years = interest of 62.84 = total claim 82.84.

 

this cant be right. if it is im rich lol.

 

thanks again noomill

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I go check, hang on.

 

eerrrrrrrrrr- what date in 2002?

 

**has a quick look at Compound interest calculator **

 

Assuming it was on 17 November 2002, I make it £104.04

 

Calculated by compounding monthly, with a 360 day year, as per the way banks do it.

Edited by noomill060
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hi noomill

 

ok understood, I didnt realise about the 360 day year.

 

so i list all the seperate charges, date, name of the fee/charge, interest amount and the totals.

 

i did fill out a spreadsheet already so i have an idea of what the finished item should look like.

 

I find it almost imposible to believe how it all mounts up.

 

can i really be legaly entitled to claim all the interest.

 

Do the banks have to pay the interest on a claim if i have asked for it.

 

If they dont or wont pay the interest, have the courts been backing the claimants.(lets forget about any court cases in jan 09 for a mo).

 

if you let me know im on the correct path I will do my list and let you have a quick look before i send it off.

 

thanks very much noomill.

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hey guys,

 

i for one am still on the Floor!!!!! off my chair and nearly knocked myself out.....lol

 

:D

 

i knew i had to do some researching on that compound interest, nowwwwwwww i def will

 

gosh thanks to all ive learnt something fab today

 

ciao for now MAZ

 

by the way have subsribed to this thread good luck to all

Im happy to help with support and my own thoughts, but if I offer any thoughts to your problems please take it as from my life experience only and not of any legal standing. Always take further advice from the legal experts in your final action.:)

 

my new motto is,,,",Taking back control of your life and home - such peace is priceless"

 

This is all due to truecall device , have a serious peek at this you will be thankful like I am x laters angel :D

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If they don settle and you start a small claim, you can also claim County Court interest @ 8% or the compund contractual rate ON TOP.

 

My intial claim against morgan stanley was for the return of £595 of charges. I went to court and got default judgement.

 

In the end they were ordered to pay me approx £2000.

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If they don settle and you start a small claim, you can also claim County Court interest @ 8% or the compund contractual rate ON TOP.

 

My intial claim against morgan stanley was for the return of £595 of charges. I went to court and got default judgement.

 

In the end they were ordered to pay me approx £2000.

 

 

hiya back to have another look.

 

so in effect if the compound contractual rate is of course higher than the 8% county court interest, best to go for that, so i see how you got such a higher figure

 

again many thanks for the info ciao for now MAZ:-)

 

but as Arnie used to say,,, "i'll be back......-

Im happy to help with support and my own thoughts, but if I offer any thoughts to your problems please take it as from my life experience only and not of any legal standing. Always take further advice from the legal experts in your final action.:)

 

my new motto is,,,",Taking back control of your life and home - such peace is priceless"

 

This is all due to truecall device , have a serious peek at this you will be thankful like I am x laters angel :D

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You are only reclaiming with contractual interest what they have charged you - makes you think doesn't it!

You may receive different advice to your query as people have different experiences and opinions. Please use your own judgement in deciding whose advice to take.

 

If in doubt seek advice from a qualified insured professional. Any advice I have offered you is done so on an informal basis, without prejudice or liability.

 

If you think I have been helpful PLEASE click the scales

 

court bundles for dummies

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Yes, all you are doing is asking tro be reimbursed wht you have already paid them as a resuly of their deceit.

 

Incidently, I claimed CC interest on top of it all, at the contractual rate, not at 8%.

 

The law actually states, that CC interest can be awarded at 8% simple, OR AT THE RATE SPECIFIED IN THE CONTRACT.

 

I claim contractual rate and was awarded not far off £700 -

 

ON TOP of the £595 charges and £700 interest on those charges.

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hi again,

I have entered my charges and used NOOMILLs link to calculate the interest.

 

This is what I have come up with.

 

Could you let me know if this is ok as a S.O.C please anyone.

 

TOTAL AMOUNTS

640.00

 

 

1,525.45

 

 

 

 

 

Charge Reason

Charge Amount

Charge Date

Days

Interest

late fee

20.00

11-Nov-2002

2190

80.97

late fee

20.00

12-Dec-2002

2158

78.68

late fee

20.00

11-Jan-2003

2124

76.52

late fee

20.00

11-Feb-2003

2094

74.33

late fee

20.00

15-Mar-2003

2060

72.13

late fee

20.00

10-Jun-2003

1975

66.39

late fee

20.00

11-Jul-2003

1944

64.50

over limit fee

20.00

15-Jul-2003

1940

64.19

late fee

20.00

9-Aug-2003

1916

62.55

over limit fee

20.00

15-Aug-2003

1910

62.28

late fee

20.00

12-Dec-2003

1793

55.35

late fee

20.00

10-Feb-2004

1730

52.08

late fee

20.00

12-Mar-2004

1698

50.45

late fee

20.00

10-Apr-2004

1670

48.96

late fee

20.00

10-Aug-2004

1550

43.02

late fee

20.00

10-Aug-2004

1550

43.02

over limit fee

20.00

14-Aug-2004

1546

42.83

late fee

20.00

10-Sep-2004

1520

41.59

over limit fee

20.00

15-Sep-2004

1515

41.36

late fee

20.00

11-Oct-2004

1489

40.19

late fee

20.00

10-Nov-2004

1460

38.87

over limit fee

20.00

15-Nov-2004

1455

38.66

late fee

20.00

10-Jan-2005

1395

36.28

late fee

20.00

11-Feb-2005

1364

34.96

late fee

20.00

12-Mar-2005

1333

33.80

late fee

20.00

9-Apr-2005

1306

32.70

late fee

20.00

10-Jun-2005

1245

30.54

late fee

20.00

11-Jul-2005

1214

29.20

late fee

20.00

10-Dec-2005

1065

23.97

over limit fee

20.00

15-Dec-2005

1060

23.81

late fee

20.00

10-Feb-2006

1000

22.00

late fee

20.00

12-May-2006

908

19.27

 

Thats it? hope i have got it correct.

 

getting back to the question, Who should I claim against. Some say Barclay, some say both.

 

Would Barclay t/a goldfish cover it?

 

Thanks.

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Yes, that looks about right.

 

I would be claiming against Barclays Bank PLC t/a Barclaycard.

 

Goldfish no longer has any identity, as it merged with Barclays and the credit card business was absorbed into Barclaycard.

 

If you dont accept that, do some googling and find a Goldfish website- any link you click on brings you to Barclaycard's.

 

Whatever, if Barclays want to argue, threy will have to meet you in Court, and they really dont want to do that.

 

Now send a nice Letter Before Action template and tell them you want all your money back (charges + interest) within 14 days. :D

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After a recent BC case where they had a judgement Set Aside for incorrect service of the claim, please use the Churchill Place addy and name them, as Noomill says, Barclays Bank PLC t/a Barclaycard.

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