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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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      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.

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Does CCA request apply to insurance company?


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Hi there can any one offer advice on this please.

 

My friend cancelled an insurance policy which he had been paying monthly.

The broker then sent an alleged bill for almost £100 including a cancellation fee of over £40 and an alleged outstanding balance despite taking regular direct debits.

 

They ignored a request for a breakdown/explanation of the charges.

 

They then passed it to a DCA who added £25 admin fee.

 

The original broker then wrote to advise the DD had been cancelled and my friend had 7 days to get in touch or the insurance would be cancelled

(THIS IS AFTER THEY HAVE CONFIRMED CANCELLATION OF THE POLICY!!!)

 

My friend sent the broker a CCA request giving them 12+2 days to produce the Credit Agreement.

 

They have just written back confirming receipt of the letter and sent a complaint procedure booklet.

 

They have said they will 'review the issues raised' and contact my friend 'within 20 business days'.

 

They have not mentioned the CCA or the £1 postal order.

 

As they are a creditor and the alleged agreement was covered by the CCA do the same rules apply?

 

What do we do next? Just wait for them to default or remind them of the rules?

 

Thanks.

Redletter

 

 

'I believe the struggle for financial freedom is unfair - I believe the only ones who disagree are millionaires!'

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IIRC, Insurance Policies that are paid monthly are Credit Agreements (my OH's with Tesco's is) and yes, they are covered by the CCA.

 

They are a Debtor-Creditor-Supplier Fixed-Sum Restricted-Use agreement.

 

To try and get you a bit more help, can you answer some questions?

 

  • In the CCA Request, did you ask for a statement of account?
  • Was the policy cancellation confirmed in writing?
  • Have the insurer terminated the credit agreement?
  • did they issue a Default Notice?
  • was the "debt" sold to the DCA or are they just collecting on the broker's behalf?
  • are they demanding complete payment of the agreement? or some arrears?

 

Sorry for all the questions, but the more you can answer, the more help you can get!

 

thanks,

H

 

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Hi thanks.

Yes I asked for a breakdown showing all debits & credits.

 

Yes they confirmed cancellation in writing. However, the most recent letter contradicts this saying the DD should be re-instated to prevent cancellation.

 

Yes they cancelled it with the insurer as they referred to a 'return premium from insurer'.

 

They sent the 1st letter confirming cancellation stating their were outstanding costs including breakdown cover for remainder of year and a £45 cancellation charge.

The next letter claimed to have passed the case to a DCA called icon collections international limited with a further £25 admin charge.

The next letter was from DCA confirming this.

However most recent letter made no reference to any of above just simply stated that DD was cancelled and needed resetting within 7 days or the policy would be cancelled.

Dont know if DCA is independant or collecting on behalf of..

 

They claim there are outstanding costs £45 cancel fee, some for recovery and difference between return premium and balance. They reckon the interest reduction is £33, about half of the yearly despite only being in force for a couple of months!

However, the monthly collections made by DD should cover the period of insurance.

 

The car is off the road by SORN and the MOT ran out in Jan so the insurance would have been invalid anyway so why would anyone pay insurance they dont need!

 

We sent a copy of the SORN which is effective from 01-01-09.

The insurance only started on 25/11/08 and 3 monthly payments were taken so if anything we should get a refund!!!

 

Thanks for your time.

Redletter

 

 

'I believe the struggle for financial freedom is unfair - I believe the only ones who disagree are millionaires!'

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  • 2 weeks later...

My friend has just had a card through the door from Royal Mail for an undelivered 'packet' which required a signature.

 

Hmmm! We are now thinking..... CCA response - or summons??? (Gulp!)

 

Wont find out yet cant obtain packet for 48 hours!

Redletter

 

 

'I believe the struggle for financial freedom is unfair - I believe the only ones who disagree are millionaires!'

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It won't be anything from the courts as they use ordinary post.

I really do appreciate all those 'thank you' emails - I'm glad I've been able to help. Apologies if I haven't acknowledged all of them.

You can also ding my gong if you prefer. :)

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  • 2 weeks later...

The CCA request expired on the 16 April (if you allow 2 days for Easter) and they have not been back in touch yet.

I am just drafting up letter 2 for default of CCA request.

 

It appears that this is normal practice for Swinton to add on made up charges upon cancellation of a policy.

Maybe they should change their name to 'Swindle'!!!

Redletter

 

 

'I believe the struggle for financial freedom is unfair - I believe the only ones who disagree are millionaires!'

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Can someone please comment on this please...

 

It has just been suggested that the CCA1974 Sec 16(1)a states that the CCA1974 does not regulate insurance companies.

However my previous insurance documents clearly state, where I have paid monthly, that the agreement is regulated by the Consume Credit Act 1974.

Is this because the creditor is the broker and not the insurance company?

 

http://www.consumeractiongroup.co.uk/forum/insurance-assurance-companies/159649-problem-swinton.html

 

Please advise!

Redletter

 

 

'I believe the struggle for financial freedom is unfair - I believe the only ones who disagree are millionaires!'

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To clarify, the CCA 1974 does NOT cover an insurer issuing an insurance policy where the premiums are paid by installments.

 

When you pay your car insurance by monthly installments, you will find you are signing up to a loan (which is regulated by the CCA. The amount loaned (usually by a subsiduary or bank connected with the insurer) pays the insurance premium in one go and the driver then makes the loan repayments. Quite often you find there is a lot of paperwork when you renew. Most of this relates to the loan.

Arrow Global/MBNA - Discontinued and paid costs

HFO/Morgan Stanley (Barclays) - Discontinued and paid costs

HSBC - Discontinued and paid costs

Nationwide - Ran for cover of stay pending OFT case 3 yrs ago

RBS/Mint - Nothing for 4 yrs after S78 request

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To clarify, the CCA 1974 does NOT cover an insurer issuing an insurance policy where the premiums are paid by installments.

 

When you pay your car insurance by monthly installments, you will find you are signing up to a loan (which is regulated by the CCA. The amount loaned (usually by a subsiduary or bank connected with the insurer) pays the insurance premium in one go and the driver then makes the loan repayments. Quite often you find there is a lot of paperwork when you renew. Most of this relates to the loan.

Thanks...

So if the brokers are the ones threatening legal action to recover an alleged outstanding balance, then surely they cant do this as they are not the creditor in this case???

Redletter

 

 

'I believe the struggle for financial freedom is unfair - I believe the only ones who disagree are millionaires!'

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*WON*!!!

Have just received a letter from Swindle.

 

"BLAHBLAHBLAH...

However, as we are now aware that you took the vehicle off the road on 1 January 2009 and as a gesture of goodwill I have agreed that Swindle will not continue to pursue the outstanding balance. I have spoken to Icon collections and they have now closed their records. I can assure that this will in no way affect your future credit rating.....

 

If we do not hear from you within 8 weeks we will consider the matter closed"

 

RESULT!!!

 

 

So all you people out there being "Swindled"

 

GO GET EM!!!!:grin:

_______________

Redletter

 

 

'I believe the struggle for financial freedom is unfair - I believe the only ones who disagree are millionaires!'

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*WON*!!!

Have just received a letter from Swindle.

 

"BLAHBLAHBLAH...

However, as we are now aware that you took the vehicle off the road on 1 January 2009 and as a gesture of goodwill I have agreed that Swindle will not continue to pursue the outstanding balance. I have spoken to Icon collections and they have now closed their records. I can assure that this will in no way affect your future credit rating.....

 

If we do not hear from you within 8 weeks we will consider the matter closed"

 

RESULT!!!

 

 

So all you people out there being "Swindled"

 

GO GET EM!!!!:grin:

__________________

Redletter

 

"On a mission" :wink:

Redletter

 

 

'I believe the struggle for financial freedom is unfair - I believe the only ones who disagree are millionaires!'

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Well it's all thanks to all the help and information I have received on here so thanks to all and a donation is to follow shortly. :)

Redletter

 

 

'I believe the struggle for financial freedom is unfair - I believe the only ones who disagree are millionaires!'

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