Jump to content


  • Tweets

  • Posts

    • 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   
    • Ms Vennells gave testimony over three days, watched by those affected by the Post Office scandal.View the full article
    • Punters are likely not getting the full amount of alcohol they are paying for, a new study suggests.View the full article
  • Recommended Topics

  • Our picks

    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 161 replies
    • 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.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      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
        • Like
  • Recommended Topics

barlaycard loan


Jameson78
style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 4924 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

  • Replies 109
  • Created
  • Last Reply

Top Posters In This Topic

Top Posters In This Topic

  • 3 weeks later...

I have recieved a "... we have no alternative but to pass your account to a local debt collector who MAY call at your home..." bla bla bla letter

 

Honestly, with all the letters I have sent by recorded delivery, do they really think I will let someone in my home requesting payment of an unenforcable credit agreement??

 

What goes through their tiny heads? They must have opened close to 10 letters from me during the past 6/9 months, highlighting this breach and that breach and quoting this law and that law and showing all their failings and yet their latest reply is you better pay or we may send someone to your house? Yeah right!

 

I just don't understand these muppets! It seems that they just ignore everything and just send out stupid template threat letters.

 

Is it even worth sending the tea and biscuits letter: http://www.consumerforums.com/resources/templates-library/86-debt-collectors/590-letter-used-when-a-dca-threatens-a-doorstep-visit-

 

??

Link to post
Share on other sites

you begin to wonder dont you? i have had more theats of doorstep collections than i can count on 2 hands, yet no one has turned up and collected my doorstep, it is still cemented in position where it has been for years. I even had mrs d, polish it for them once, but they never showed

Link to post
Share on other sites

 

No not really, just print one off and keep it by your front door, spend the postage on sending complaints to the OFT, Trading Standards, FOS, and ignore their lame threats..

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

Link to post
Share on other sites

I have recieved a "... we have no alternative but to pass your account to a local debt collector who MAY call at your home..." bla bla bla letter

 

Hi,

 

Had all the same, several times, and i'm still waiting for the big butch debt collector to call, in fact now i want him to call if he is brave enough, lets see what happens if he does;-)

 

Regards

 

PB68.

Link to post
Share on other sites

Just remember any doorstep idiot that did turn up would be a self employed, commission only ......... person (cannot think of the right word).

 

It's unlikely one would show up anyway, just be safe in the knowledge it HIS petrol he's wasted.

 

and there's always 'kindly put anything you have to say in writing...Goodbye'

Link to post
Share on other sites

Got a lady today who came and asked for me today from Mercers/Barclays. The lady asked if there was someone by my name living at the property. I told her no and she went on to say that she will ask from neighbours. I told her she was free to go ahead. But should they be doing this and what are my rights. I called them on Sunday but the phone got hanged on at 2pm- exactly the time that they close and 2 days later they are sending someone. I also explained to them that I was experiencing finacial difficulties but they said they didn't care and would still sent someone. And today they did....

Link to post
Share on other sites

Sharklays are well known for their underhand abusive tactics to intimidate people.

 

What she has threatened you with their is 'Public embarrasment' and that will look nice in your complaint to the OFT, Trading Standards, Financial Ombudsman, and sharklays.

 

Ignore the frump, sorry I was trying to think of another word but CAGBOT won't allow it:D

 

You did well, by telling her that the person she was after didn't live their, but that might not work for too long, so keep that letter template by the front door, and if the frump turns up again, report her to the Police (not 999) for harassment, one call from your local Police will put an immediate stop to their antics.

 

Now get writing those letters of complaint, exactly where are you now with this account? Is it SB or did they fail to provide proof/CCA etc??

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

Link to post
Share on other sites

  • 1 month later...

Update: Very interesting letter from B'Card offereing a 30% discount:

 

http://i896.photobucket.com/albums/ac162/jameson78/CCA_Barclaycard_AM_lettercopy.jpg

 

So i replied:

 

Thank you for your letters dated 31st December 2009

As your good self and your in-house collections department Mercers are aware, I have formally requested all correspondence to be made in writing only. I would refer you to my previous correspondence of _________ which I can confirm was received by your office on ____________

Furthermore, as you are again no doubt aware, the above accounts are currently in dispute due to an unenforceable credit agreement – Section 78, Consumer Credit Act 1974. I would refer you to my previous correspondence all sent by Royal Mail recorded delivery of ______July 2009, ______ September 2009, _________2009, and ____________ 2009.

In addition to all of the above, I would respectfully refer you to my previous correspondence of 31st August 2009 concerning my Subject Access Request, pursuant to Section 7 of the Data Protection Act 1998, which subsequently did not reveal any agreements and only monthly statements.

I would like to remind you that whilst this account is in default, you may not lawfully pursue any enforcement activities. Furthermore, all mobile SMS messages which contain threats of door step visits, home repossession and charging order threats, which puts you in breach of a number of the OFT Collection Guidelines, have been recorded for possible future use. I regard these as distressing and harassment as defined by the Protection from Harassment Act 1997.

So there can also be no confusion in the future, I believe, based on the evidence before me, at most, there would appear to be an improperly executed agreement in existence.

Finally, considering my own personal circumstances, I am no position to consider any of your three options as per your letter dated 31st December 2009.

 

 

 

 

OK - so now calls have increased (all blocked of course) and started getting funny text messages on phone to say i have won compensation and to text a number back for more details. Very suspicious...

Link to post
Share on other sites

Hi Jameson,

 

I have no specific authority to confirm this but I think it would depend on whether you had an authorised o/d or not. They should not take from your current a/c and leave you with an unauthorised o/d.

 

But I think they COULD take from your a/c if this leaves you WITHIN your o/d faciltiy.

Edited by slick132
removed part of copied post, not related to this thread

We could do with some help from you

                                                                PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

                                            Have we helped you ...?  Please Donate button to the Consumer Action Group

 

Please give something if you can. We all give our time free of charge but the site has bills to pay.

 

Thanks !:-)

Link to post
Share on other sites

Slick,

 

This is what i found :

 

"...the firm can transfer money from an account that is in credit in order to make payments due on another account. But it does not have to do this."

 

banking: firms' right of 'set off'

 

Does "in credit" mean no overdraft because that would obviously be overdrawn? What is your interpretation of this? Any clearer? Thanks

Link to post
Share on other sites

Hi Jameson,

 

I've moved your posts from TFD's thread into a new one, to avoid further hijacking.

 

Instead of us talking theoretically, can you just confirm exactly what it is that you want to check on.

 

The FOS pages don't clarify the situation in great detail and there are various scenarios which could apply.

We could do with some help from you

                                                                PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

                                            Have we helped you ...?  Please Donate button to the Consumer Action Group

 

Please give something if you can. We all give our time free of charge but the site has bills to pay.

 

Thanks !:-)

Link to post
Share on other sites

Thanks Slick. Often you get so into a thread that questions arise and you forget to start a new thread and inadvertently hijack the thread.

My thinking is that if your current account is in agreed overdraft, then it does not count as being in credit. It's overdrawn, plain and simple. When the account is overdrawn the bank can not off set funds to pay the arrears of a CC debt.

In other words, the overdraft is a type of agreed loan from your bank and I assume it is not good practice for the bank to use a loan to pay off a debt.

When the current is in credit, then I can see how they can off set your in credit funds.

Once again:

"...the firm can transfer money from an account that is in credit in order to make payments due on another account. But it does not have to do this."

Another way of looking is a BC MasterCard which is fully up to date, no problems is used to off set funds on a BC visa which is in arrears. That just wouldn't happen. An overdraft current account surely would be something similar as it is a form of agreed credit.

My own situation is that I have a rather large agreed overdraft which I am in for around 20 days in each month. As long as I stay in overdraft and deposit a little here and there so as to not trigger closer scrutiny then I hope to be ok as the bank would not be able to off set funds to pay the BC arrears.

Thoughts please??

Link to post
Share on other sites

I have sought advice from the Site Team and there is concencus that no Set Off should be made which would create or add to an unauthorised o/d.

 

My personal feeling is that they could make a Set Off using funds which leave you within an authorised o/d, ie you remain within your agreed banking facilities.

 

However, according to the FOS comments on the matter, they DO refer to an a/c being in credit.

 

If your a/c was o/d when BC took the Set Off, I would approach BC and challenge their use of Set Off saying this goes against FOS policy.

 

Better still, speak to the FOS first and ask for their view on the matter.

 

But even if the FOS rule in your favour, I assume BC would just be more careful and take money from your a/c when it is in credit. :mad:

 

Is the BC a/s in dispute for CCA request reasons, etc.

 

Have you reclaimed any penalty chgs which BC have added to the a/c.

Edited by slick132
typo

We could do with some help from you

                                                                PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

                                            Have we helped you ...?  Please Donate button to the Consumer Action Group

 

Please give something if you can. We all give our time free of charge but the site has bills to pay.

 

Thanks !:-)

Link to post
Share on other sites

Please approach the FOS about this and let us know what they say.

 

:)

We could do with some help from you

                                                                PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

                                            Have we helped you ...?  Please Donate button to the Consumer Action Group

 

Please give something if you can. We all give our time free of charge but the site has bills to pay.

 

Thanks !:-)

Link to post
Share on other sites

  • 4 weeks later...

Great thread.

 

I am like, in the same position atm.

 

Good luck.

Give a man a gun and he'll rob a bank. Give a man a bank and he'll rob everyone!

 

 

The Bank:

 

An institution, where you can borrow money if you can present sufficient evidence, to prove that you don't need it !!!

 

 

The Banker:

 

A man, who will lend you an umbrella, but want it back as soon as it will start to rain !!!

Link to post
Share on other sites

Vint,

 

This is the reply I sent them, to which they replied as in my 1 st post above:

 

 

Thank you for your letter of ___________ the contents of which have been noted.

 

I would like to raise a number of inconsistencies in the information provided.

In paragraph 4 you refer to section 7 of the Consumer Credit (Cancellation Notices and Copies of Documents) Regulations 1983. Whilst your comments are mostly accurate in isolation, I would draw your attention to paragraph 1 of section 7 which states:

 

(1) Where an agreement has been varied in accordance with section 82(1) of the Act

The relevant section of the act being:

82. — (1) Where, under a power contained in a regulated agreement, the creditor or owner varies the agreement,

 

The implication of this section of the act being that modification of the agreement can only take place where the prior version of the agreement makes provision for such an amendment within its terms. Ultimately the authority to amend an agreement must refer back to such a provision within the executed agreement. In the absence of such a provision, or the inability to authenticate such a provision, subsequent, modified agreements are invalid.

Furthermore, Section 7 paragraph 1 of the Consumer Credit (Cancellation Notices and Copies of Documents) Regulations 1983, goes on to say:

 

(1) Where an agreement has been varied in accordance with section 82(1) of the Act, every copy of the executed agreement given to a debtor, hirer or surety under any provision of the Act other than section 85(1) shall include either—

 

This paragraph clearly places a duty upon the creditor to provide a modified agreement (copy of) as an inclusion to a mandated provision of a copy of the executed agreement.

In paragraph 7 of your letter you refer to a high court interpretation of an executed agreement. However, I feel that the Consumer Credit (Agreements) Regulations 1983 offer a more than adequate description of such an agreement and doubt that any ruling would vary the provisions of these regulations.

In section 9 you refer to a copy of an application as evidence of signature. I am confused by this as you have not sent me a copy of any part of an application form. In fact you did not send me any document bearing my signature, in copy or otherwise.

 

With regard to the contents of the final paragraph of your letter, and giving due regard to the above, it remains my belief that you have failed to comply with either the spirit or the intention of the relevant legislation.

 

In summary, I cannot accept your explanation relating to the documentation supplied in response to my s78(1) CCA request. It remains my contention that Barclaycard are still in default against the unabridged requirements of the act.

 

Until such time as Barclaycard comply with the true expectations of the relevant legislation I will continue to acknowledge no debt to Barclaycard in respect of the above account.

 

Should Barclaycard continue to enforce the alleged agreement in violation of s78(6) of the act, then I may consider seeking redress under the Data Protection Act 1998. Additionally, I may consider it appropriate to serve an injunction upon Barclaycard to prevent any such data processing and rectify any prior processing whereby a violation of section 10 of the Data Protection Act 1998 is considered to have occurred.

 

Although at this early stage, I wish to avoid the involvement of the Financial Ombudsman, which would maybe incur an investigation fee of £400.00 on your part, regardless of the outcome of such an investigation, I may take further action, at my own discretion and on the advice of my legal advisors.

 

 

I look forward to your reply.

 

 

 

 

 

 

 

As you can see, I have warned them I would contact the FO. Do you feel I should or still send them your copy example giving them a further explanation of why they have not complied including legal cases as you have set out and a final 7 days to comply? Remember, including yours, this would be my CCA request letter and a further 3 replys. Thanks

 

 

Hi James.

 

What did actually BC replied to u when u sent them this letter. I am at the moment like in the same position and i am thinking to send this letter to them as well.

 

Thanks

Give a man a gun and he'll rob a bank. Give a man a bank and he'll rob everyone!

 

 

The Bank:

 

An institution, where you can borrow money if you can present sufficient evidence, to prove that you don't need it !!!

 

 

The Banker:

 

A man, who will lend you an umbrella, but want it back as soon as it will start to rain !!!

Link to post
Share on other sites

  • 2 months later...

Hello

 

I informed Barclays that the loan agreement does not conform to s61(1) and would therefore only be enforceable by order of the court under s65 of the act. However, because there is no no sig, a court would be prevented from enforcing it under s127(3).

 

 

Barclaycard response:

 

"We have noted your comments regarding the copy of the exectued agreement we have already provided. However we would refer you to the definition of "copy" within s189 which states that "copy" shall be construed in accordance with s180. Section 180 states "Regulations may be made as to the form and content of the documents to be issued as copies of any executed agreement...and may in particular...authorise the omission from a copy of certain material." The Consumer Credit (Cancellations and Copies of Documents) regulations 1983, do just that. Regulation 3(2) states "There may be omitted from any such [true] copy.. any signature box, signature or date of signature."

Consequently I am unable to uphold complaint.

 

Is this legalese baloney or are they correct that no signature is now deemed as enforcable??

 

 

What's my next move?? :confused:

Link to post
Share on other sites

you need to either post in the barclays forum or go there and do some reading

 

that typical for BC they believe they are above regulations.

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...