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    • Oh I see! thats confusing, for some reason the terms and conditions that Evri posted in that threads witness statement are slightly different than the t&cs on packlinks website. Their one says enter into a contract with the transport agency, but the website one says enter into a contract with paclink. via website: (c) Each User will enter into a contract with Packlink for the delivery of its Goods through the chosen Transport Agency. via evri witness statement in that thread: (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 I read your post at #251, so I should use the second one (and changing the screenshot in the court bundle), since I am saying I have a contract with Evri? Is that correct EDIT: Oh I understand the rest of your conversation. you're saying if I was to do this i would have to fully adjust my ws to use the consumer rights act instead of rights of third parties. In that case should I just edit the terms and stick with the third parties plan?. And potentially if needed just bring up the CRA in the hearing, as you guys did in that thread  
    • First, those are the wrong terms,  read posts 240-250 of the thread ive linked to Second donough v stevenson should be more expanded. You should make refernece to the three fold duty of care test as well. Use below as guidance: The Defendant failed its duty of care to the Claimant. As found in Donoghue v Stevenson negligence is distinct and separate to any breach of contract. Furthermore, as held in the same case there need not be a contract between the Claimant and the Defendant for a duty to be established, which in the case of the Claimant on this occasion is the Defendant’s duty of care to the Claimant’s parcel whilst it is in their possession. By losing the Claimant’s parcel the Defendant has acted negligently and breached this duty of care. As such the Claimant avers that even if it is found that the Defendant not be liable in other ways, by means of breach of contract, should the court find there is no contract between Claimant and Defendant, the Claimant would still have rise to a claim on the grounds of the Defendant’s negligence and breach of duty of care to his parcel whilst it was in the Defendant’s possession, as there need not be a contract to give rise to a claim for breach of duty of care.  The court’s attention is further drawn to Caparo Industries plc v Dickman (1990), 2 AC 605 in which a three fold test was used to determine if a duty of care existed. The test required that: (i) Harm must be a reasonably foreseeable result of the defendant’s conduct; (ii) A relationship of proximity must exist and (iii) It must be fair, just and reasonable to impose liability.  
    • Thank you. here's the changes I made 1) removed indexed statement of truth 2) added donough v Stevenson in paragraph 40, just under the Supply of Goods and Services Act 1982 paragraph about reasonable care and skill. i'm assuming this is a good place for it? 3) reworded paragraph 16 (now paragraph 12), and moved the t&cs paragraphs below it then. unless I understood you wrong it seems to fit well. or did you want me to remove the t&cs paragraphs entirely? attached is the updated draft, and thanks again for the help. WS and court bundle-1 fourth draft redacted.pdf
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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.
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Nationwide unable to provide a copy of loan agreement, what does this mean to me?


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I requested over the telephone to Nationwide to provide me with a copy of my loan agreement. They were very prompt and I received a letter stating " Unfortunately at this moment in time we are unable to retrieve a copy of your loan agreement" However the letter confirms the details of my loan. It states the date funds were released to me, my first payment date, interest etc.

 

What does this mean to me? Where do I go from here? Do I have an agreement?

 

Any advice of how I pursue this and hopefully have the debt written off.

 

Thank you

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Hi,

Plain and simple answer.

 

While no agreement exists, they are unable to enforce the debt. The debt itself doesn't go away, they just can't collect. This puts you in a stronger position to negotiate a Full & Final settlement (CAG doesn't advocate debt avoidance)

 

If you decide not to pay then they will(in all probabilty) sell the debt on to a very nice (:rolleyes:) DCA who will badger you to infinity and beyond into paying but it's highly unlikely they will take you court.

 

If at any time in the future they find the agreement (and it's enforceable) they can start chasing you and take you to court if nescessary.

 

hope that helps.

 

fox

If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

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Thank you ever so much for that.

 

Ok, when you say this puts me in a stonger position to negotiate a full and final settlement, do you mean I can negotiate with them to pay back less than I owe? I have just received my redundancy and want to settle the loan but where do I start and what is required- what is deemed acceptable negotiation?

 

Really appreciate your help

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Cazza id offer them 10% of the outstanding balance along with getting them to confirm they will remove any adverse data from your credit files and mark the file as fully satisified..... I'm in a similar position whereby I am requesting CCA's and this i the route I will be pursuing....

 

But u do need to be aware that if they are able to produce a signed and enforceable agreement in the near future then the debt becomes enforceable so may be in your best interest to get the account settled asap, though im not sure what the position is after u have settled such an account and an agreement is produced...

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Thank you so much for your advice.

 

How is this offer introduced to Nationwide? Are there routes that I have to go down first, as in send a legal letter asking once again for the CCA to be produced. If they still can't produce it then how do I take steps to arrange a full and final settlement? I need to know exactly what I'm talking about. To negotiate a settlement figure do I contact them via telephone or letter?

 

If I go down this route will this affect me in any way, ie ccj's, bad credit score, future problems lending?

 

Once again thank you

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Morning,

 

As I see it, if you want to start negotiating with them, do it in writing, never over the phone unless you can record the conversation.

 

Start off low I.E 10% but have a maximum figure in mind

State that they must agree it's a Full and Final settlement with no further action on the account.

That they destroy all information they hold and with any third party they have supplied info to, including CRA's ( if you don't demand this, they will put "partial settlement" on your credit file)

If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

Please help CAG. Order this ebook. Now available on Amazon. Please click HERE

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Cazza the fact that they don't hold a CCA cannot go against you in anyway, especially seeing as you are willing to put in an offer of settlement, some people go right through to court stage and refuse to pay for the outstanding debt or anything towards it, and where there is no CCA, the creditor usually knows they have no leg to stand on and ususally backs out..... As far as ur credit report goes, they cannot recoprd any adverse info about you, as no agereement exists....if anything the company should offer either to wipe the balance of your account to nil, and then remove any information relating to that account off of ur credit file, or they should accept ur offer of payment as full and final settlement and u need to explicitly request them to mark your credit file as 'Satisfied in Full' i.e not 'Partial Settlement', and request any adverse information to be removed from your credit file, and you also need to ensure that they put in writing that you are no longer liable to the debt and it will not be pursued by Nationwide or any associated company, nor will it be sold on to any company so that they can pursue you for amounts outstanding.

 

Let me see if there is a template letter on here that you can send....

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Thank you so much for your advice. I will do some research on the net for template leters. Firstly I will send in writing another request for the CCA and await their reply. If again still no CCA I will then offer 10% full and final settlement via letter. So, the search is on to find the correct template letters and go from there.

 

Thank you for all the help and advice that you have given, it's very much appreciated.

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Hi don't know if it's me but i cant seem to post a link! Basically what u need to do is go into consumer action group, go to debt forums, scroll down to letter templates, go to budgets and letters and you should find a letter there......x

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I would be interested in a template for a letter to a credit card company, applying for a copy of the CCA (Consumer Credit Agreement?) I am pretty sure they do not have one. Can anyone suggest a source for a reliable template.

Thanks

 

 

Hi WageSlave,

 

Firstly, it would be better if you started your own thread as your query will get lost otherwise. If you don't know how to do it just shout.

 

Here is a template letter to get your CCA

 

http://www.consumerforums.com/resources/templates-library/86-debt-collectors/581-cca-request-letter.html

 

Most important!

Never sign anything. Always print your name

Send all letters by recorded delivery

Send a £1 postal order-no cheques

They have 12+2 WORKING days to respond

 

 

fox

If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

Please help CAG. Order this ebook. Now available on Amazon. Please click HERE

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