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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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      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.

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Should I call Ruthbridge?


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Hi

I received a letter today addressed to the occupier from Ruthbridge asking to be called immediately, I went strainght online and found out these are a debt collection agency.

I live in rented accomodation with a friend and we have been inundated with debt collectors/bailiffs etc. from the previous tenenats so it could well be to do with them. However, I too had debt from a Barclays and a LLoyds credit card when I was at university which I never paid for approximately £5k in total so I don't know if this is referring to me or to the previous tenants.

I understand that after 6 years my debt is statute barred as it was unsecured but I don't know for sure when I last made payments, my best guess would be that it was over 51/2 years ago but maybe not quite 6. I have not communicated with my creditors or made payments in this time.

I do not know if any CCJ have been issued and am too petrified to get a credit check done in case it flags me up.

So, my dilemma is should I call Ruthbridge and tackle this or should I just ignore the letter? all help gratefully recieved, I have been sick twice this morning with stress and have nobody to talk to about this.

Thanks

(By the way can bailiffs take my housemates possessions, I really don't want to get her involved with this)

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I received a letter today addressed to the occupier from Ruthbridge asking to be called immediately,
Ignore it, if they want you they should address mail to you by name, they're fishing.

I understand that after 6 years my debt is statute barred as it was unsecured but I don't know for sure when I last made payments, my best guess would be that it was over 51/2 years ago but maybe not quite 6. I have not communicated with my creditors or made payments in this time.
If it does relate to this debt by the time you have sent the numerous letters demanding proof of the debt etc., the statute barred status will more than likely have kicked in anyway. ;)

I do not know if any CCJ have been issued and am too petrified to get a credit check done in case it flags me up.
You can check for yourself online for £8 CCJs, court orders & fines - Search yourself and others - Trust Online and DCAs will not know about you doing so.

(By the way can bailiffs take my housemates possessions, I really don't want to get her involved with this)
Certainly not, nether can they take yours without a court order & to do that there would have needed to have been a court order which you have failed to pay & if there was a court order you can easily get it set aside anyway.
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Nooooooooooooooooooooooooooooooooooooooooo!!!!!!!!!

 

Do not call Ruthbridge or any other debt collector - EVER. That's what they want you to do but you will be subjected to abuse and aggressive tactics to pay money for a debt you may not owe, are probably being overcharged for and or which they are likely not to have the proper documents. In addition you will never have a record of what was said and agreed.

 

If you get any more letters addressed to the previous tenant put them in a large envelope, possibly accompanied by some other promotional material, and pop into into the post without a stamp. The debt collectors will soon get the message that sending letters to your address will lead to excssive postage charges at their end.

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Ok thanks, I won't call them. I guess I will just have to get on with it and ride it out - I have been reading on here and there is loads of help and advice so I will be strong and just tackle it if and when the need arises. It wouldn't be so bad if I lived alone but as I have a house mate I need to tell her about not calling them too which means admitting about my debt and I am so ashamed.

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I have a house mate I need to tell her about not calling them too which means admitting about my debt and I am so ashamed.
Being in debt is not shameful, although creditors would have us believe it is. :rolleyes:

 

It's a rare person who doesn't have debts of some sort & circumstances can change dramatically overnight as this present recession has proven to a lot of people who never thought they would ever get into financial straits. ;)

 

You'll probably find that your flatmate has problems of her own too, overdraft, credit card, student loan etc.

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If these cretins are addressing letters to 'The Occupier', they clearly don't have a lot of information on you, do they?

 

Definitely IGNORE anything which is not addressed to you personally. If anything comes addressed to the previous tenant, just write "not known at this address" on the envelope and put it back in the red box.

 

Ruthbish are right at the bottom of the DCA food chain. They get the rubbish the others won't touch. They are extremely aggressive and rude on the telephone, because they know that such bullying is the only way they can ever get money out of people. Do NOT engage them on the telephone. EVER.

 

Bailiffs would be able to take YOUR possessions if you were taken to court, lost your case, and then failed to maintain the payments ordered by the court. Even in that case, they would NOT be able to take anyone else's possessions.

 

Your reluctance to get a credit check shows that you have a good understanding of how the system operates. You are very wise to think like this.

 

The old skeletons are best left in the cupboard unless they decide to emerge by themselves.

 

Try not to be made sick by Ruthbish. There is not the slightest shred of evidence that they have any information on you which represents a danger.

 

There is no need to reveal to your housemate that there may have been alleged debts in your past. As the letters are addressed to "The Occupier", they could easily be intended for the previous tenants.

 

SH

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Thanks everyone for your help and advice - I hardly slept at all last night but feel better now reading your advice and replies. I have just spent an hour reading through other people's dealings with Ruthbridge and can see that they really are bully boys and I am more than smart enough to deal with them if it is me they are after.

I was wondering though if my debt isn't statute barred do they have to accept a repayment plan? I wouldn't be able to settle straight away but if I need to pay monthly I would do, perhaps it would be best to just wait and see if it ever got to court - my credit rating is knackered anyway and it wouldn't affect my job.

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I was wondering though if my debt isn't statute barred do they have to accept a repayment plan?
This is all hypothetical at the moment, you don't even know whether you are the person they are looking for. Besides, even if you were it is so close to being Statute Barred by the time you and they have gone through the formalities of exchanging letters and them providing proof of an enforceable debt, the Statute Barred status will have kicked in anyway. ;)
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Don't forget that the letter was sent to the Occupier, it's only because you have debt in the past that you are taking the worry on board. Your housemate may well have been lying awake all night thinking it was hers too.

 

Do nothing at this point, ignore it. They haven't written to you, they've written to your address.

It's a steep learning curve....

 

Wendella 1 : RBS 0

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OK thanks - Normally I am such a level headed person but this has got me in a right two and eight.

 

 

Don't worry... just remember... NEVER speak to DCA's! and acknowedge NOTHING to them... most letters are Phishing letters to get a responce. If they write to YOU, then post up here and other experienced Caggers can give advice! :)

 

Stop worrying! I know it's hard not to, but if I worried about all mine, then I'd be dead with stress! :D

Edited by RW Fugitive
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Thanks RW Fugitive - I will try not to worry. I just found an old statement showing I made a payment in Feb 2004 so it won't be statute barred yet - I don't know if I made any payments after that but I know I definately didn't make any post August 2004... how long can i eek the communication out for do you think if it is me they are after? I also remember i didn't pay a phone bill back in 2004 so it could be that too, I really don't know what on earth was going on with me then. Also I was wondering what will happen if I keep just ignoring the 'to the occupier' letters? Thanks all.

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you know u could always waste there time.

 

Ring them up from a pay phone and give them loads of abuse down the phone. Not only will it waste there time but it will make you feel better.

OFT debt collection guidance

 

Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

Essex girl in pc world looking 4 curtains 4 her pc,the assistant says u dont need curtains 4 a computer!!Essex girl says,''HELLOOO!! i,ve got WINDOWS!!'.

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Just had another 'to the occupier letter' :( - I wondered if anyone had any experience on what they tend to do after I don't reply to their letters. Should I be expecting an 'express delivery' package? I am so stressed about this but reassured by all the help that is available on here.

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Do not be stressed by letters which only serve to illustrate how useless Ruthbish are and how little information they have. It is their money they are wasting by sending these phishing expeditions and not yours.

 

Eventually you will be able to forward these to the OFT, whose guidance states -

 

2.8

Examples of unfair practices are as follows:

 

a.

sending demands for payment to an individual when it is uncertain that

they are the debtor in question, for example, threatening debt recovery

action to 'the occupier' or sending a payment demand to all people sharing the same name/date of birth as a debtor in the hope that contact with the correct debtor will be made.

 

You could complain now, but I wouldn't. As you say there is a possibility that you have an alleged debt somewhere which is approaching statute barred status, I would do as little as possible for now. There will be a more propitious time in the future to turn the tables on Ruthbish.

 

SH

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Thanks Scabhunter - I will listen to your advise carefully. I am reading a lot on what to do if and when this progresses and am sure with all the great help on here I can handle this. I wouldn't be so stressed about it all if it was with a more reputable company, but these do not sound like the sort of people I want to deal with!

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