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

Crap One invalid Default notices


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

Thread Locked

because no one has posted on it for the last 4967 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 153
  • Created
  • Last Reply

Top Posters In This Topic

Top Posters In This Topic

Amend this to suit:

 

 

The Data Controller

Capital One Bank (Europe) plc

PO Box 5616

Nottingham

NG2 3JU

 

Dear Sir/Madam,

 

Your ref:

 

 

I am writing in connection with an alleged credit card agreement with the above reference which is in dispute. The alleged agreement was terminated on (date). I do not acknowledge any debt to Capital One Bank (Europe) plc or any companies affiliated to Capital One Bank (Europe) plc.

 

Capital One issued a Default Notice on (date) prior to terminating the alleged account on (date). This Default Notice is unlawful and in terminating the alleged account without issuing a lawful Default Notice, Capital One unlawfully rescinded the alleged account.

 

The Default Notice is unlawful for the following reasons:

 

The Default Notice must contain all of the necessary information under the Consumer Credit (Enforcement, Default and Termination Notices) Regulations 1983

 

(2) (1) (b) the nature of the alleged breach of the agreement, specifying clearly the matters complained of;

 

I could not have been expected to know what “clause 8 of the agreement” is. There is no agreement for this alleged account so I had nothing to refer to. All there is is an application form (which completely lacks all the prescribed terms required of an agreement) and current Terms and Conditions that were not extant at the time of the agreement. There are no original Terms and Conditions which state that Terms and Conditions can be varied so current Terms and Conditions are irrelevant. Capital One did not issue me with an agreement (Capital One staff have shown in correspondence that they either do not know what an agreement is or pretend to not know what an agreement is) and did not retain the Terms and Conditions that applied at the time of the alleged agreement.

 

 

© if the breach is capable of remedy, what action is required to remedy it and the date being a date [not less than

fourteen days] after the date of service of the notice, before which that action is to be taken;

 

3) A specific date for the alleged breach to be remedied must be given – it is not sufficient to say “ within 28 days of the date of this letter”. There is no provision in the Act for an unspecified date to be set with reference to a number of days after the date on any “letter.” Everything must be precise and clearly understood.

 

 

(2) (2)The prescribed terms of the alleged arrears must be specified in the section dealing with what must be paid to remedy the alleged breach. It is not sufficient to refer to a sum of money situated above the Notice heading. The amount required to remedy the alleged breach must be stated specifically as a sum of money in this section as being required to remedy the alleged breach.

 

 

(5) Where any statement is required to be in a form specified in a Schedule to these Regulations and is reproduced in the notice, then apart from any heading to the notice, trade names or names of parties to the agreement--

 

(a) the lettering in the statement shall be afforded more prominence (whether by capital letters, underlining, large or bold print or otherwise) than any other lettering in the notice; and

 

(b) where words are both shown in capital letters and underlined in any statement specified in a Schedule to these Regulations, they shall be afforded yet more prominence.

 

The Notice fails to give more prominence to the words underlined. This is the correct format below (note the correct use of bold type):

 

"IF THE ACTION REQUIRED BY THIS NOTICE IS TAKEN BEFORE THE DATE SHOWN NO FURTHER ENFORCEMENT ACTION WILL BE TAKEN IN RESPECT OF THE BREACH”

 

 

"IF YOU DO NOT TAKE THE ACTION REQUIRED BY THIS NOTICE BEFORE THE DATE SHOWN THEN THE FURTHER ACTION SET OUT BELOW MAY BE TAKEN AGAINST YOU [OR A SURETY]"

 

By putting everything in bold capitals, Capital One failed to give more prominence to the words underlined. This is not a De Minimus matter as the Regulations require the words underlined to have yet more prominence than the rest. There is no leeway in this – it must be exactly as laid down in the Regulations.

 

5) In the section which states “You must pay the whole balance immediately”, the whole balance which would require to be paid under the alleged agreement must be stated specifically as a sum of money. I could not have been expected just to guess what this was. Everything in the Notice must be specified so that it is easily understood.

 

6) Capital One refer to claiming “reasonable” costs for recovering the alleged amount owed. The term "reasonable" is purely subjective and everything in the Notice must be clear and easily understood. There are no costs specified in the non-existent agreement and any other costs agreement would have to be determined by a court.

 

 

7) Capital One state that they may "pass" or "sell" the alleged agreement to a debt collection agency. The Regulations state that what will happen in the event of an alleged breach not being rectified must be stated clear and easily understood. An either/or situation is not clear.

 

 

On (date) Capital One entered an unlawful default entry on my credit reference reports on the disputed account in breach of the Data Protection Act 1998. The Bank had already unlawfully rescinded the alleged agreement as described above so no agreement existed, alleged or otherwise, between me and Capital One on (date). The Bank did not have my permission to process my personal data on the date the default was entered and it doesn’t have my permission to continue processing my data following the rescission. The Bank are now required to remove all unlawful default entries on my credit reference files immediately and to cease any further processing of my personal data with immediate effect.

 

Case law has sanctioned damages where an unlawful entry has been registered with credit reference agencies that affected the creditworthiness of an individual who is a non- trader. The damage does not have to be quantified – it is sufficient that creditworthiness was damaged.

Failure of a default notice to be accurate not only invalidates the default notice (Woodchester Lease Management Services Ltd v Swain and Co - [2001] GCCR 2255) but is a unlawful rescission of contract which would not only prevent the court enforcing any alleged debt, but gives a counter claim for damages Kpohraror v Woolwich Building Society [1996] 4 All ER 119

 

 

 

The Bank has 21 days to reply and action as necessary. Failure to do so will result in further action from me, including but not limited to, formal complaints to the

Information Commissioner and the Office of Fair Trading Consumer Credit Licence Fitness Department re gross misuse of my personal data and breaches of the Consumer Credit Act.

 

I look forward to hearing from you. If there is anything in this letter you do not understand, I advise you to consult a solicitor.

 

Yours faithfully,

  • Haha 3
Link to post
Share on other sites

This is the correct format below (note the correct use of bold type):

 

"IF THE ACTION REQUIRED BY THIS NOTICE IS TAKEN BEFORE THE DATE SHOWN NO FURTHER ENFORCEMENT ACTION WILL BE TAKEN IN RESPECT OF THE BREACH”

 

"IF YOU DO NOT TAKE THE ACTION REQUIRED BY THIS NOTICE BEFORE THE DATE SHOWN THEN THE FURTHER ACTION SET OUT BELOW MAY BE TAKEN AGAINST YOU [OR A SURETY]"

 

This is not a De Minimus matter as the Regulations require the words underlined to have yet more prominence than the rest. There is no leeway in this – it must be exactly as laid down in the Regulations.

 

I have a Default Notice where the words that appear underlined and in bold type in your example are instead underlined and in italics like this:

 

"IF THE ACTION REQUIRED BY THIS NOTICE IS TAKEN BEFORE THE DATE SHOWN NO FURTHER ENFORCEMENT ACTION WILL BE TAKEN IN RESPECT OF THE BREACH”

 

"IF YOU DO NOT TAKE THE ACTION REQUIRED BY THIS NOTICE BEFORE THE DATE SHOWN THEN THE FURTHER ACTION SET OUT BELOW MAY BE TAKEN AGAINST YOU [OR A SURETY]."

 

A second DN has the sentences in lower case like this:

 

"If the action required by this notice is taken before the date shown no further enforcement action will be taken in respect of the breach."

 

"If you do not take the acton required by this notice before the date shown then the further action set out below may be taken against you (or a surety)."

 

Do they both depart sufficiently from the regulations to avoid being De minimis?

i.e. do they definitely make the DN's invalid or are they likely to be subject to the individual interpretation of a judge in the county court?

Edited by Artie44
Link to post
Share on other sites

Neither of these examples is correct. The first only makes the words underlined prominent in one respect - italics -it must make them more prominent again. The second doesn't make them prominent in any sense.

 

A word of caution with this. The prominence regulation is only one part of a Default Notice being unlawful. In front of a judge you would need several aspects of DN being unlawful before they would rule on rescission. The key breach is insufficient time to remedy the breach or not specifying a date to remedy the breach or not sending a DN before termination. The rest adds to your case for the DN being unlawful.

Link to post
Share on other sites

All of these templates and comments are very very helpful, thoughtful and knowlegeable. BUT do cap one take any notice, respond beyond the usual verbal diahorrea and has anyone actually taken them to court on this?

 

I ask, as my "account" has been "sold" to the leeds loosers and I wnt to disembowell them as well

Link to post
Share on other sites

'Pinky69' - Very impressive letter to say the least and I love the last line of your suggested letter suggesting them to contact a solicitor! I keep smiling as I read it! LOL

 

What I would mention is the important emphasis on dates. Considering the number of DN's companies send out you'd think they'd ensure you have a clear 14 days notice. Personally I received a DN where the date of the notice was the 4th and payment date of 14th - so they not only did not give me a clear 14 days but that should have been more to allow for post lag. Once a DN is issued it cannot be re-issued with adjustments to make it right. A judge would probably consider wrong dates as appaling as well as wrong amounts if ever it comes to that.

 

I'd just add that there are many great Caggers here. So much help and using their time to assist others. No doubt the financial institutions and DCA's who browse these threads must cringe often.

 

Michael

Edited by InformedSearcher

When I was young I thought that money was the most important thing in life; now that I am old I know that it is. (Oscar Wilde)

--I like to be helpful wherever possible however I'm not qualified in this field. I do consider carefully anything important (normally from personal experience) however please understand that any actions taken are at your own risk--

Link to post
Share on other sites

I have a court case ready but I am waiting for a reply from the head of their Executive Department, a man called James Bell. In addition to their unlawful rescission, I have helpfully pointed out to him that the application form they sent me posing as an agreement has other major flaws as well as the usual - it has no address on it. In addition it has no Company registered address, does not have the fact that is Limited Company on it and no registration number, all of which are criminal offences against the Companies Act 1985. I've told him that Crapone can either remove the default and any pay me compensation or I will take them to court and if they force me to do that I will have no alternative but to raise the matter in court and report the bank's criminal activity to Companies House. Thousands of similar applications must have been sent out at the same time so that is a lot of criminal activity. I added that I hoped CrapOne wouldn't cut of it's nose to spite it's corporate face.

 

I had an ingratiating reply thanking me for my patience whilst he got all the details from my file and asking me to allow him 4 weeks to do so. As Fagin sang in "Oliver," he is reviewing the situation.

 

I am totally evil.:grin: Someone said to remind him never to lend me a fiver!:lol:

Link to post
Share on other sites

Pinky, again many thanks for that splendid letter, I have prepared it, with personal ammendments and also questions on why they sent the account to Crapquest and then Lowells when a CCA request was in default and why such discrepancies of dates and the legality of their so-called DN

 

I have a letter to send to Lowells that their actions are now totally unwelcome due to a dodgy DN as well as a deficient CCA and if they persist Mr Plod will be involved, should I send this?

Link to post
Share on other sites

Well, Mr Plod would not get involved in a DCA pursuing a debt they shouldn't be pursuing - it is civil, not criminal law. I would stick to complaining to Crapone and simply inform the DCAs that the alleged debt is in dispute, you are dealing directly with CrapOne and will have no further correspondence with them. You are in charge of this - not them - and you will decide how to proceed.

Link to post
Share on other sites

The prominence regulation is only one part of a Default Notice being unlawful. In front of a judge you would need several aspects of DN being unlawful before they would rule on rescission. The key breach is insufficient time to remedy the breach or not specifying a date to remedy the breach or not sending a DN before termination. The rest adds to your case for the DN being unlawful.

If the only breach is giving insufficient time to remedy, is that enough by itself to make the DN unlawful?

Link to post
Share on other sites

Just to verify regarding unlawful/incorrect Default Notices. Whilst it would appear that Court action might be futile there's nothing to stop DCA's being passed the debt for other types of collection?

 

Michael

When I was young I thought that money was the most important thing in life; now that I am old I know that it is. (Oscar Wilde)

--I like to be helpful wherever possible however I'm not qualified in this field. I do consider carefully anything important (normally from personal experience) however please understand that any actions taken are at your own risk--

Link to post
Share on other sites

They cannot pass it to DCAs if they have terminated it after issuing an unlawful DN. If they haven't terminated it, there seems little point in them issuing a DN because the whole point is to allow them to demand the full balance, which they cannot do without issuing a DN. They could pass it to a DCA under equitable assignment if they didn't act on the DN but as I said there was then little point in issuing the DN. It is essential to either have received a Termination Notice after the unlawful DN has been issued or to know that they have sold the debt on. If you take issue with the DN just because it is unlawful without termination or the debt having been sold on, they would just issue you with another DN, this time lawfully correct based on the faults you told them were in it!

Link to post
Share on other sites

They cannot pass it to DCAs if they have terminated it after issuing an unlawful DN. If they haven't terminated it, there seems little point in them issuing a DN because the whole point is to allow them to demand the full balance, which they cannot do without issuing a DN. They could pass it to a DCA under equitable assignment if they didn't act on the DN but as I said there was then little point in issuing the DN. It is essential to either have received a Termination Notice after the unlawful DN has been issued or to know that they have sold the debt on. If you take issue with the DN just because it is unlawful without termination or the debt having been sold on, they would just issue you with another DN, this time lawfully correct based on the faults you told them were in it!

 

I'm none to sure about that, as in waiting for the Final Demand to qualify the DN being valid/invalid. By precedent once the DN has been issued then it is deemed in itself to be final. There cannot be subsequent DN's with/without the Final Demand to rectify any mistakes if I recall. However having said that it's always best to have the whole set of demands to ensure the financial institution completed it's course of action.

 

Michael

When I was young I thought that money was the most important thing in life; now that I am old I know that it is. (Oscar Wilde)

--I like to be helpful wherever possible however I'm not qualified in this field. I do consider carefully anything important (normally from personal experience) however please understand that any actions taken are at your own risk--

Link to post
Share on other sites

They can issue you with another DN if they have not acted on any preceding DNs - there is nothing to stop them from doing do. In addition it is not "best" to wait for and final demands and termination Notices - it is legally essential if you want to claim against them.

Link to post
Share on other sites

Well, they issued the first (defective) DN in feb 09

Then the Statemnt of Default/termination of account in March o9

A CCA was served on them mid March 09 and the replies were ahhh deficient to put it mildly ( ie not a damn thing that even said application form)

 

Passed to Crapq who were told to FO, as were HL legal, letter from C1 saying they had it back, all quiet until tehey "Sold" it to Lowells this Autumn

 

Nothing from C1 apart from the obviously manufactured "goodbye" letter ( in same enevelope from lwells as the "hello"

 

As I said, I await Crapone reply, but I do feel that I may have them by the balls, and if so, what would be the best course of action to really really hurt them?

Link to post
Share on other sites

They can issue you with another DN if they have not acted on any preceding DNs - there is nothing to stop them from doing do. In addition it is not "best" to wait for and final demands and termination Notices - it is legally essential if you want to claim against them.

 

 

I really don't want to quibble over this but have you some data you could maybe PM me with? I'm firmly under the impression that once a DN notice is issued it's like set in stone. The Final Demand otherwise (if adjusted correctly) could alter the validity and I do not believe it can. Data I have shows no mention of Final Demands but Court data on DN notices alone.

 

Michael

When I was young I thought that money was the most important thing in life; now that I am old I know that it is. (Oscar Wilde)

--I like to be helpful wherever possible however I'm not qualified in this field. I do consider carefully anything important (normally from personal experience) however please understand that any actions taken are at your own risk--

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...