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    • Include that in your witness statement along with that letter as an exhibit.
    • Yup, well so far they have lied to me about responding to a CCA,  are threatening me with a default notice that they don't have, produced a knocked up version of my NOA, sent me 29 pages of spew for an agreement. No wonder they pay 5 p in the pound for that crap.
    • Paragraph 2. I think there should be further down and also you should make the point that the payment to was made unilaterally and without the imposition of any conditions. Paragraph 3 – this is unnecessary because you are not claiming as an entitled third-party. This worries me because it makes me feel that you haven't fully read around because this is a paragraph which you would include where you were suing EVRi as a beneficial third party because you had actually made your contract with Packlink or some other broker. I think you need to revisit and do some more reading. I'm afraid I have a sense that you have simply copied this from somebody else's witness statement without understanding that it wasn't necessary. Please can you post the amended draft. Other than the suggestions above, it looks okay – but let's see it again for a further appraisal. In terms of the evidence, parties bundle, I think it might be an idea to start off with the correspondence with EVRi and then go onto the other evidence. You will have to amend the index page accordingly. You could shorten this bit. Take 19 is pretty well blank and you may as well miss it out also, there seems to be some repetition of emails and the email chain. I think will be worth going through and getting rid of duplicates if you can. 49 pages is a bit long and it would be a good idea to try and reduce the number. I have a feeling that 50 pages as the County Court limit anyway. The judge will be happier with you if the bundle is smaller. Maybe you could reduce the size of some of the images or messages et cetera. You have got several messages which straddle onto a second page so that things like sign off information and standard confidentiality information become orphans. A bit of manipulation and they could be joined to their parents I think. Page 31 as an example. So is page 19. You may only be up to shorten the whole thing by 56 pages – but I think it would be a good idea. 56 pages is, after all, 10%. If you can do more then so much the better
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      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.  

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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.

      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.
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      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
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Please help!! / Next / Doorstep collector


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Next are passing my details onto a dca to collect my debt owed, I did try to come to an agreement with them to pay in lower payments but they said it was out of their hands now, The thing is when i applyed for the account all i filled out for a tiny form at the bottom of a card in the shop, I was never sent a credit agreement or anything to sign, So should i send them a cca and what are the likes of them sending me a fake lol thanks

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Hi.

Im not at the dca stage yet but i have cca's next and the response's i have received etc are on my thread:

http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/182426-next-directory-cca-advice.html

 

This will give you an idea as to what to expect.

 

BTK

Cabot At Court Stage

Barclaycard Settled, Amount Written off :D 12/02/09

Cabot At Court Stage(2nd account)

Skycard Now with Capquest, Threatinging SD

Next No CCA received, in dispute sent. Nothing heard for over a year

HSBC No CCA received, in dispute sent

EGG S.A.R sent 04/02/09

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Thanks just read it, I never had one of those forms so i don;t know what they will supply me when i cca them, All i filled and signed was a little form that just asked my name and address thats it. I never had anything to sign like that!!

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  • 5 months later...

debt managers ltd have admitted next was unable to provide them with a true copy of agreement and have sent another letter offering a settlement opportunity!! And also states a dishonoured payment will make any offer void and the full balance becomes due immediatlely!! What would be the next letter to send them!! I could actually hand deliver it lol as they are based about 10 mins from my house .

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If it was me I would make a call on them and see one of the customer reps about payment. Then tell them I have money to pay a debt, when they ask which debt, just tell them 'Not yours' and then explain to them you are going to put it on the lottery and if by some stroke of luck that you would win a large amount of money tell them you still will not pay their debt!

 

Then light up a cigar and walk out.

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Best to keep things on a sensible professional level....This has worked for me

 

 

Letter before Action

Dear Sir/Madam

 

Re: − Account/Reference

 

I refer to our recent correspondence regarding the above account where I requested a signed copy of the credit agreement (which you have not been able to produce) and do not recognise any liability to you or your legal right to pursue this alleged debt.

 

As you are aware, a credit agreement that is not properly documented and signed by the customer is totally unenforceable under the CCA and therefore is a complete defence to any court claim that is issued. The following examples are from high court and the court appeal case law which backs up any legal defence, or counter claim under Consumer Credit Act 1974 s.142

 

Wilson v First County Trust Ltd [2001] EWCA Civ 633, Sir Andrew Morritt, Vice Chancellor said:

• The creditor must…be taken to have made a voluntary disposition, or gift, of the loan monies to the debtor. The creditor had chosen to part with the monies in circumstances in which it was never entitled to have them repaid

 

In the case of Dimond v Lovell [2000] UKHL 27, Lord Hoffmann said:

• Parliament intended that if a consumer credit agreement was improperly executed, then subject to the enforcement powers of the court, the debtor should not have to pay.

 

Should I wish to pursue court action there are firms now willing to do this on a no win no fee basis based on CCA2006 s.140 Unfair Relationships and this would incur considerable expense to your self both in litigation costs and my legal costs and the refund of all monies paid by myself

 

As a compromise I suggest you write off this alleged debt and remove all reference from my credit files.

 

Should I not receive a satisfactory reply then I will be considering enforcing my legal rights through the courts and would suggest you pass this letter to your legal department for their attention.

 

Yours faithfully

 

Live Life-Debt Free

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Lol.....best to send the letter as they have admitted no CCA so now's the time to be serious rather then flippant and really put the right kind of pressure on

Live Life-Debt Free

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Best to keep things on a sensible professional level....This has worked for me

 

 

Thankyou i'll get that sent asap, And thanks to everyone else i've had a good giggle absoultely brilliant :D :D :D

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Forgot to mention...I've taken you to court for unfair charges on my debt, judge ruled in my favour, I told him you wouldn't pay he has let me employ my own baliffs to come and get the money...

news-graphics-2007-_636982a.jpg

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I am really rather confused now and hope someone can advise of the next step to take!! After the debt managers ltd who have been chasing this debt has admitted they can not provide me with a cca i was a bit taken back to recieve a letter from Next this morning with what they are saying is a true copy of agreement attatched!! Now im no expert on what it should look like but this is just a piece of paper stating the terms and conditions!! There is no signitures nothing all!! I'm afraid i can not scan it or anything as i don't have a scanner but basically all it is is terms and conditions. On the letter they have sent they have said next are not required to provide me with a signed copy of the agreement we are only required to provide a true copy and a true copy is enclosed :confused: a default entry will therefore be made on the credit refrence file and next will continue to seek payment of the balance.

 

What should i do now?? And do i reply to next or debt managers i'm rather confused lol

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