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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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      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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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Housemate vs Welcome Finance


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Hi All.

 

Posting this thread on behalf of my housemate.

 

He defaulted on his loan with Welcome Finance around six months ago and has been having difficulties with them ever since.

 

He is not currently making any payments towards the outstanding balance and a CCA request has been sent, and a valid CCA returned. He also has an original copy of the agreement anyway.

 

He sent them a letter previously stating that he requires all communication to be in writing and further stated that their behavior was paramount to harassment.

 

They have visited the property on three occasions now asking to speak with him, they have also levied a variety of charges on this defaulted balance.

 

They have also previously started legal action, to which he was going to defend based on the charges, they then dropped the claim.

 

More recently this was received through the door:-

 

http://files.getdropbox.com/u/337010/Welcome%20Finance%20-%20Slip%20%28Edited%29.jpg

 

What do you advise he do now in regards to the above?

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OMG..... can't believe that note was just dropped through the door. Is that illegal due to your personal details being available for house mates to see??

 

What if you were away and had neighbors popping round to look after your pets or something????

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I'd let them continue with the claim, if he isn't earning much then an attachment of earnings isn't going to be granted for Welcome Finance, and you can use that appalling letter as evidence of their non-co-operation - it looks like a kids has written it rather than a reasonably educated adult.

 

I would take the letter to the local Citizens Advice Bureau and ask for their help - they should have somebody there who is experienced in dealing with these sharks - because Welcome prey on the lower end of the 'credit' market and clock up huge amounts of phony charges.

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Hey, thanks for the replies. The note was in an envelope, with his first name written on it in pen, but that was it.

 

Hmmm, not sure of the best course of action. I think Welcome need to be slammed over this abuse of OFT guidelines.

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Hi All.

 

Sorry to double post, but my other thread is not receiving much attention in the Welcome Finance sub thread, and I could do with some assistance in helping my house mate with an issue.

 

I've copied and pasted from my original thread below:

 

--

Hi All.

 

Posting this thread on behalf of my housemate.

 

He defaulted on his loan with Welcome Finance around six months ago and has been having difficulties with them ever since.

 

He is not currently making any payments towards the outstanding balance and a CCA request has been sent, and a valid CCA returned. He also has an original copy of the agreement anyway.

 

He sent them a letter previously stating that he requires all communication to be in writing and further stated that their behavior was paramount to harassment.

 

They have visited the property on three occasions now asking to speak with him, they have also levied a variety of charges on this defaulted balance.

 

They have also previously started legal action, to which he was going to defend based on the charges, they then dropped the claim.

 

More recently this was received through the door:-

 

http://files.getdropbox.com/u/337010...8Edited%29.jpg

 

What do you advise he do now in regards to the above?

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  • 2 weeks later...

Update: Welcome Finance today called him at work demanding repayment.

 

Is the best course of action to complain to the OFT, then send an harrasment template letter to Welcome? They have also advised him that they are charging him £10 per phone call they make.

 

Is it worth doing a SAR and going down the reclaiming charges route?

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Update: Welcome Finance today called him at work demanding repayment.

 

Is the best course of action to complain to the OFT, then send an harrasment template letter to Welcome? They have also advised him that they are charging him £10 per phone call they make.

 

Is it worth doing a SAR and going down the reclaiming charges route?

 

 

Hi

 

You say you have a valid CCA and the original. It would be worth posting them here, minus any personal or otherwise identifiable info. Welcome agreements often fall well short of required standards.

 

A SAR is probably worth doing as well.

 

It would probably be worth moving back to the Welcome threads - there are some extemely knowledgable people there who will be able to provide a great deal of valuable help.

 

T2

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