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    • Hi all, an update on the case as the deadline for filing the WS is tomorrow i.e., 14 days before the hearing date: 7th June. Evri have emailed their WS today to the court and to myself. Attached pdf of their WS - I have redacted personal information and left any redactions/highlights by Evri. In the main: The WS is signed by George Wood. Evri have stated the claim value that I am seeking to recover is £931.79 including £70 court fees, and am putting me to strict proof as to the value of the claim. Evri's have accepted that the parcel is lost but there is no contract between Evri and myself, and that the contract is with myself and Packlink They have provided a copy of the eBay Powered By Packlink Terms and Conditions (T&Cs) to support their argument the contractual relationship is between myself and Packlink, highlighting clause 3a, e, g of these T&Cs. They further highlight clause 14 of the T&Cs which states that Packlink's liability is limited to £25 unless enhanced compensation has been chosen. They have contacted Packlink who informed them that I had been in contact with Packlink and raised a claim with Packlink and the claim had been paid accordingly i.e., £25 in line with the T&Cs and the compensated postage costs of £4.82. They believe this is clear evidence that my contract is with Packlink and should therefore cease the claim against Evri. Evri also cite Clause 23 of the pre-exiting commercial agreement between the Defendant and Packlink, which states:  ‘Contracts (Rights of Third Parties) Act 1999 A person who is not a party to this Agreement shall have no rights under the Contracts (Right of Third Parties) Act 1999 to rely upon or enforce any term of this Agreement provided that this does not affect any right or remedy of the third party which exists or is available apart from that Act.’ This means that the Claimant cannot enforce third party rights under the Contract (Rights of Third Parties) Act 1999 and instead should cease this claim and raise a dispute with the correct party.   Having read Evri's WS and considered the main points above, I have made these 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. 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. 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. 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. 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.  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. Clearly Evri have not read by WS as the above is all clearly explained in there.   I am going to respond to Evri's email by stating that I have already sent my WS to them by post/email and attach the email that sent on the weekend to them containing my WS. However, before i do that, If there is anything additional I should further add to the email, please do let me know. Thanks. Evri Witness Statement Redacted v1 compressed.pdf
    • Thank you. I will get on to the SAR request. I am not sure now who the DCA are - I have a feeling it might be the ACI group but will try to pull back the letter they wrote from her to see and update with that once I have it. She queried it initially with 118 118 when she received the default notice I think. Thanks again - your help and support is much appreciated and I will talk to her about stopping her payments at the weekend.
    • you should email contact OCMC immediately and say you want an in person hearing.   stupid to not
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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.

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      This is good ethical practice.

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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Credit card, current account and loan charges?


antarctica
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Hi

 

Please don't jump down my throat as I have read the FAQ's and can't see it anywhere but

 

Is there anyway you can claim back all the £1.50 ATM handling charges for taking your own cash out?

 

Thanks and sorry for all the queries.

 

A

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No. ATM charges are not penalties.

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Yes they are - but so are strawberries at Wimbledon and you can't get those back either.

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Yes they are - but so are strawberries at Wimbledon and you can't get those back either.

 

LMAO :lol:

 

£1.50 is good i remember when it was silly charges like £5 for some banks and they had to stop that!

Natasha

 

Abbey-received DPA letter on 13/03, received some breakdown till 2004 waiting for the more recent ones(where most charges occurred)

sent reminder email on 17/4/06

called abbey on 19/04/06 to remind them:rolleyes:

sent another email on 26/04/06:mad:

Approx charges £2500

received £500 refund in dec 06

sent LBA

Capital one- sent DPA letter 17/03

Sent prim letter for charges of £260 14/04

Received a refund £109 awaiting further refund of £151

Settled IN FULL

Barclay card- Sent DPA letter 17/03 sent reminder 14/04

received info claiming £120

settled in FULL

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Yes they are - but so are strawberries at Wimbledon and you can't get those back either.

 

LMAO :lol:

 

£1.50 is good i remember when it was silly charges like £5 for some banks and they had to stop that!

 

at least you're getting something for your cash when you buy the strawberries. :wink:

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Hello again

 

I have been looking at the Letter before action in the library. Just one bit I am not sure about "I calculate that you have taken £XXXXX plus £XXX which you have charged me in overdraft interest for the sum which you have taken. Total £XXXXX "

 

I know how much they have taken but I have no idea what they have charged me in interest on top of it. I thought I was only claiming for the amount taken plus 8%apr?

 

A

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The 8% is only if and when you start court proceedings, not when you first ask for refund from the bank.

 

The first part is a tricky one, as some people feel they should reclaim both the charges and the interest they were charged on those charges, or/and the higher rate of unauthorised borrowing.

Some feel that as long as they get the charges back, it's quite sufficient, and is the end amount really worth trying to work it out? As usual, it's really a judgement call.

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Good stuff.

 

Let us know how you get on.

 

certainly will. :twisted:

 

ready to take the b*ggers to court if they don't cough up after the 14 days.

 

total shame i was stupid enough to pay £5 a month for a stupid overdraft service all those years ago - the bank statements make depressing reading. oh well, you live and learn.

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But if you go to court - remember that this is a serious step and you will need to be prepared to prove your case on the balance of probabilities.

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Standard response

 

"Date: Thu, 9 Mar 2006 16:02:46 -0000

 

Dear XXXXXXXXXX

 

Thank you for your e-mail dated 7 March 2006. I am sorry to hear that you have not been happy with my response to date.

 

Unfortunately there is little I am able to add to my letter dated 9 February 2006 and I am only able to refer you back to the terms and conditions of your account, although I do respect your opinion about our charges.

 

In the circumstances I must advise that this letter is the bank's final response, which means that if you remain dissatisfied you may refer your complaint to the Financial Ombudsman Service. If you decide to pursue your complaint through the Financial Ombudsman Service you must do so within 6 months from the date of this letter. You can contact them at The Financial Ombudsman Service, South Quay Plaza, 183 Marsh Wall, London, E14 9SR. Telephone: 0845 080 1800. Website: http://www.financial-ombudsman.org.uk

 

Yours sincerely

 

 

 

David Just

 

Assistant Manager "

 

Action will follow!

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I think that it is time for a letter before action - 14 days

Then the Good News.

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hang on their email was in response to this letter from the library, did i send the wrong one?

 

"[your address]

 

 

 

[their address]

 

 

 

LETTER BEFORE ACTION

 

Dear Sir/Madam,

 

ACCOUNT NUMBER: xxxxxxxxx

 

I now understand that the regime of 'fees' which you have been applying to my account in relation to direct debit refusals, exceeding overdraft limits and so forth are unlawful at Common Law, Statute and recent Consumer regulations.

 

I would draw your attention to the terms of the contract which you agreed to at the time that I opened my account. It is an implied term of that contract that you would conduct yourselves lawfully and in a manner which complies with UK law.

 

I am frankly shocked that you have operated my account in this way as I had always reposed confidence in your integrity and expertise as my fiduciary.

 

I calculate that you have taken £XXXXX plus £XXX which you have charged me in overdraft interest for the sum which you have taken. Total £XXXXX

Additionally you have entered a default notice against my credit record. This default occurred merely in respect of unlawful charges levied by you or was the result of impecuniosity caused directly by he taking by you of penalty charges which you had applied unlawfully to my account.

 

In addition to full payment of the sum mentioned above I require that you remove the default entry from the register. Please note that mere correction or amendment to the entry will not be acceptable.

 

I require repayment in full of this money and removal of the default notice. If you do not comply fully within 14 days then I shall begin a claim against you for the full amount plus interest plus my costs and without further notice.

 

 

 

 

 

 

 

Yours faithfully,

 

 

 

 

 

[name]"

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OK

you sent the LBA

 

Now send the Good News - if you are satisfied that you are prepared to go to court

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OK

you sent the LBA

 

Now send the Good News - if you are satisfied that you are prepared to go to court

 

Thanks, was worried I had sent the wrong one for a minute!

 

When you say "the good news" do you mean start proceedings on money claim after 14 days.

 

Sorry to ask but the Library section confuses me a bit as there are so many letters in it.

 

A

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Yes, the court claim form

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  • 7 months later...
  • 4 months later...

Last year I didn't follow up on this so i started it all over again this year. They didn't even respond to my letter asking for my charges back and I started moneyclaim proceedings against Lloyds Credit Card and Lloyds Current account on 13th March.

 

They have til 1st April to respond online.

 

Will keep this thread updated.

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Thanks

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