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    • 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   
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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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Mercers/Barclaycard


tony3x
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To avoid hijack of this thread, various posts have now been moved to - http://www.consumeractiongroup.co.uk/forum/barclaycard/238774-bc-general-discussion-re.html

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  • 2 weeks later...

Current status:

Card 1 - reply from FOS asking me to complete complaint form and return.

 

Card 2 - reply from FOS asking me to complete complaint form and return. Also received a letter from Calders offering a 'settlement opportunity' - dated 22/12 giving me 5 days to call them, arrived 30/12!!

 

Card 3 - reply from FOS asking me to complete complaint form if unsatisfactory response received from BC. Final response received, now to return the complaint form.

 

A couple of questions.

1) Does the fact that Calders have offered a settlement mean that they feel that enforceable court action is unlikely and should I reply to them and ask for the details in writing.

2) Does the recent ruling in Manchester relating to reconstituted agreements now have a bearing on anything.

 

thanks

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Hi Tony,

 

1. The offer may be a Red Herring and unconnected with your current actions. They often offer settlements but I think they do this to simply initiate or maintain phone contact. Either ignore their letter or confirm that the case is under investigation by the FOS under Ref. No. xxxxx and any further contact from them will be reported as a breach of the OFT Debt Collection Guidelines.

 

2. I haven't read up enough on this yet to offer valid opinion. If you want to read the case summary - Carey v HSBC Bank Plc [2009] EWHC 3417 (QB) (23 December 2009)

 

Debate on the matter is also here - http://www.consumeractiongroup.co.uk/forum/legal-issues/216538-claim-stayed-due-unenforceable.html

 

Good luck, and please let me know !! ;)

Edited by slick132
typo

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Sorry for the delay in replying but only just got the opportunity to get the complaint forms sent.

 

Current status:

 

Card 1 - Complaint form sent to FOS.

 

Card 2 - Complaint form sent to FOS

 

Card 3 - Final response from BC so complaint form sent to FOS. Also another letter from Calders saying that they have instructed a local debt collector to visit me. Should I write to Calders to inform them that I have an ongoing complaint with the FOS and also the letter refusing permission for anyone to visit my house.

 

thanks

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Hi Tony,

 

Drop Calders a line after reading this - http://www.consumerforums.com/resources/templates-library/86-debt-collectors/591-dca-home-visit-if-you-receive-or-are-threatened-with-a-doorstep-visit- Mention that the FOS are currently investigating , so their continued collection activity is a breach of the OFT Debt Collection Guidelines, so will be reported.

 

Whether they pay any attention is anyone's guess but, if it is Power2Contact that visit, they are v harmless and go away when asked.

 

:)

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Thanks Slick,

I had already looked at the templates and have drafted a letter saying pretty much what you have suggested.

 

Just to update:

 

No reply from FOS yet but phone calls from Calders are now pretty much non existent. On my complaint form where it asked what action can be done to put things right I have asked for a true copy of the executed and enforceable credit agreement or for BC to confirm that one does not exist.

 

Fingers Crossed!

 

Quick update:

 

3 letters (1 for each acct) from FOS confirming back log.

 

2 further letters received stating that BC have had 8 weeks to issue a final response but have not so are being given another 14 days.

 

3rd account has received final response.

 

Still keeping fingers crossed.

 

Received a copy of the CCA for one of the accts. Advice please.

 

Now moved to Tony v Morgan Stanley DW thread.

 

now moved to Tony v Goldfish thread in BC forum.

 

Re the letter to Calders about the home visit, I received the following from BC:

 

letterfromBC290110.jpg

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  • 4 weeks later...

Hi Tony,

 

This thread should only be used to discuss one account - otherwise it'll get confusing.

 

In post #3, I said this thread should be used for the BC a/c. But there are 2 aren't there, so use this thread for one and start a new one headed Tony BC 2 a/c or summat.

 

Is the MSDW agreement above for a 3rd a/c ? If so, please confirm and I'll move it to another new thread.

 

:)

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There are 3 BC accts.

 

1 always BC

1 originally Goldfish

1 originally MSDW

 

Can you start a thread for the MSDW maybe as BC ex MSDW.

I will work out which one is ex Goldfish and maybe you can do the same for that.

 

thanks

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There are 3 BC accts.

 

1 always BC

1 originally Goldfish

1 originally MSDW

 

Can you start a thread for the MSDW maybe as BC ex MSDW.

I will work out which one is ex Goldfish and maybe you can do the same for that.

 

thanks

Edited by slick132
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There are 3 BC accts.

 

1 always BC

1 originally Goldfish

1 originally MSDW

 

Can you start a thread for the MSDW maybe as BC ex MSDW.

I will work out which one is ex Goldfish and maybe you can do the same for that.

 

thanks

Edited by slick132
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MSDW thread ready to go.

 

:D

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Hi Tony,

 

Goldfish thread ready for use.

 

:)

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Hi Tony,

 

I've started 2 new threads as asked.

 

You can do this for any other thread by hitting the NEW THREAD button in the appropriate forum.

 

:)

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Account in dispute letter.

 

Then complaint to the FOS when you have BC's Final Response.

 

:)

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What was this in response to? s78 or sar?

 

As was pointed out to me on my agreement, what happened to numbers 5,6,7 and whats the white square over number 4.

 

If that is the front and back of an agreement then if they can explain away the paragraph above it is enforceable imvho.

 

 

S.

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Hi Tony,

 

Did you receive this after intervention from the FOS ?

 

Have you read through the credit agreement guide at Link No5 in my signature.

 

Could you say if you think the 2 items above are the front and back of one document, or not.

 

:)

Edited by slick132
typo

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I received this only after intervention by the FOS.

 

I have found the copy I made when I applied for the card and can confirm that the area under 4 that has been blanked out was password, other cardholder and balance transfers. I did not blank this out on the copy sent by BC it was done by them.

 

Not sure if it is one document as I only have a copy of the front page of the original application.

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This was sent to me after the FOS contacted them. I may have to write back and ask what card it refers to as they have not put a number as a reference. If it is, as I suspect, the G/fish card they can't possibly be anything to do with it.

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HI Tony but I do not see this as being enforcable imho the reasoning as I see it it would appear to be an application or should i say preapplication as in section 12 they talk about credit scoring and supplying you a standard card if a gold card not appropriate also it does not show full terms and conditions only some and states you would need to look at card terms and condions for full info I am lead to belive the section at the bottom is the orig back of this application from memmory but as shadow mentions 5.6.7 all missing and also where is the date that MSDW approved/signed application hope this helps a bit

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