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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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    • 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.

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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Due to current situation should my patner File for Bankruptcy?


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Hi,

 

My partner has a debt of 28k to 11 different Credit Cards, Loans and bank account over drafts.

 

Curently these debts have been consolidated to one monthly payment through a company called Ashley Park. She pays them in the region of 120-130 a month. But to be honest these payments do not seem to have reduced the figures by one penny after she has been paying them for around 18 months. Which to me seems like a pointless exercise as the overall debt is not reducing.

Going this way it would seem like she would be paying this consolidated figure for ever!! Which is not going to help her get financially stable for a long long time..

 

I have suggested that I think its a good idea to go bankrupt, and clear these debts this way...

 

Can anybody here advise whether they think Bankrutcy is a good solution in this case?

 

Also on a side note.... If it is a good idea, would it be advised that we close our joint bank account and reserve account?

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My partner has a debt of 28k to 11 different Credit Cards, Loans and bank account over drafts.

 

Curently these debts have been consolidated to one monthly payment through a company called Ashley Park. She pays them in the region of 120-130 a month

 

Is this under an IVA, or a DMP ?.

 

 

 

 

 

 

 

 

 

.

Edited by Dodgy Geezer
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Is this under an IVA, or a DMP ?.

.

 

I'm not sure if it is either?!

 

On the "letter of Engagement".. It says.. " Based on the above information, we have recommended a Financial Management plan as the best solution for you."

 

They basically make 25quid out of her a month and pay her debts with the remaining of her monthly payment.

 

"our management fee is charged at a rate of 17.63% of your disposablr income. There is also a minimum and maximum fee bracket. The minimum fee that will be charged is set at £25.00 and the maximum at £100 in any one month. the 'disposable income amount' is the payment you make to us on a monthly basis, to distribute to your creditors on your behalf, and is payable motnthly. This management fee will be deducted from your monthly payment, before the remainder of funds are distributed to your creditors."

 

I don't know how long the arrangement is for but I reckon from a rough working out from the amount owed and the amount she pays that this arrangement will last atleast 20 years... CRAZY..

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Its my understanding that such a plan is just that, a management plan, and could last forever.

 

I suggest you ask abut the possibility of an IVA.

 

This, if agreed, will be a legally binding agreement that you pay a certain amount each month, for a certain period. If completed the balance of the debt is written off, and no further action can be taken against it.

 

 

Have a look at Ashley parks own web page on IVAs >>>>> HERE

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Its my understanding that such a plan is just that, a management plan, and could last forever.

 

I suggest you ask abut the possibility of an IVA.

 

This, if agreed, will be a legally binding agreement that you pay a certain amount each month, for a certain period. If completed the balance of the debt is written off, and no further action can be taken against it.

 

 

Have a look at Ashley parks own web page on IVAs >>>>> HERE

 

Thank you we'll sit down and look through the link later when she is home..

 

Do you think an IVA is better than Bankruptcy, do you know how they base what her repayments would be on?

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IMO Bankruptcy should always be a last resort.

 

Repayments are based on the ability to pay regardless of which method you choose.

 

With an IVA you negotiate with your creditors, come to an arrangement, pay for 5 years, then its over.

 

With bankruptcy, your creditors are told by the Insolvency Service how much they will get.

 

You would probably pay about the same either way, but one ( IVA ) is much better in the long run although it would last 2 years longer. Its much less damaging to your future financial prospects.

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Hi Bgm

 

It seems that the company have offered to consolidate your partner's debts, but sometimes consolidating only worsens the situation, as it ca lead to high interest rates and unaffordable monthly payments.

Is there anyway she can come out of this agreement? If so, she would need to cancel asap. A debt management plan would be much better for her than consoliating. She could make one monhtly payment into the DMP until the debt is cleared in full. She could clear her debt in full in a DMP, or go into the DMP on a temporary basis until she decides what she would like to do.

Bankruptcy is usually considered as a last resort. An IVA would be an alternative to bankruptcy for her to consider, however, she would need at least £100 surplus for this, and she would need to include seperate debts rather than the one consolidated loan.

x

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If there are no assets then I would recommend bankruptcy over an iva in most circumstances, especially if the surplus income is less than £200 per month.

 

The best thing to do is to get holistic debt advice from one of the debt-help charities; it's impossible to make a recomendation without knowing more facts about the situation.

 

National Debtline: 0808 808 4444

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With an IVA you negotiate with your creditors, come to an arrangement, pay for 5 years, then its over.

 

Actually, an Insolvency Practitioner puts a formal agreement to the creditors for them to vote on. An IVA is underpinned as part of a court order.

 

You would probably pay about the same either way, but one ( IVA ) is much better in the long run although it would last 2 years longer. Its much less damaging to your future financial prospects.

 

I think the financial implications are both quite similar as far as the effects on your credit file is concerned. An IVA actually stays on the insolvency register longer than bankruptcy does(!)

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If there are no assets then I would recommend bankruptcy over an iva in most circumstances,

 

Why ?

 

Have you ever been declared bankrupt yourself ?

 

OK, so you might have helped one or two people along the way, but do you know how it feels.? Have you ever experienced the trauma of bankruptcy over an IVA ?

 

That feeling of doing " Something " to redeem yourself ?.

 

Let me know im listening.

 

 

Originally Posted by Dodgy Geezer viewpost.gif

With an IVA you negotiate with your creditors, come to an arrangement, pay for 5 years, then its over.

 

Actually, an Insolvency Practitioner puts a formal agreement to the creditors for them to vote on. An IVA is underpinned as part of a court order.

 

Ok, yes we know that, but due to the circumstances, we are trying to keep it simple. We dont care " Who " has the final say.

 

 

You would probably pay about the same either way, but one ( IVA ) is much better in the long run although it would last 2 years longer. Its much less damaging to your future financial prospects.

I think the financial implications are both quite similar as far as the effects on your credit file is concerned. An IVA actually stays on the insolvency register longer than bankruptcy does(!)

 

Really ??????????????????????

 

Well pray tell me what i am missing.

 

A completed IVA will ALWAYS carry more weight that a discharged bankrupt.

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Why ?

 

Have you ever been declared bankrupt yourself ?

 

No, but I've helped hundreds and hundreds of people through the process in my day job.

OK, so you might have helped one or two people along the way, but do you know how it feels.? Have you ever experienced the trauma of bankruptcy over an IVA ?

No, but I've guided my clients through it on a daily basis.

 

An IVA is drawn up via the same legislation, many of the implications are similar. Usually people may choose the IVA route if they have an asset to protect or due to the fact that there may be a work-related implication. I think these IVA firms have tried to imply that an IVA is an easy option, it really isn't; an IP will be wanting to know all about your financial affairs for five years. If anyone does choose an IVA I would hope that they at least choose a protocol compliant IVA firm.

 

Also, you will need to guarantee that you can meet the instalments for 5 years, IVA's are notoriously difficult to modify. Also, the IP will want a percentage of any overtime or windfalls etc.

 

As I said earlier, It is very difficult to advise on what route anyone should take without spending a good 20-30 minutes going through their precise circumstances. When there is a debt situation there is no one size fits all answer and it is nigh impossible to advise anyone about a debt option via an internet forum as there could be all manner of issues that would need to be considered.

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bgm, I would do as sequenci advises and contact national debtline. They are extremely helpful and will help you assess your options. They are also free :)

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d

dodgy geezer i see that you seem to prefer people having this debt crap round their necks for five years via iva or the like rather than getting rid of all the worry and stress straight away (if you are lucky and don't have equity) by way of bankruptcy......why is this the case..

 

Where have i said that this is the case.?

 

Could you give me a link to you own bankruptcy thread, i would certainly like to read that.

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As I said earlier, It is very difficult to advise on what route anyone should take without spending a good 20-30 minutes going through their precise circumstances. When there is a debt situation there is no one size fits all answer and it is nigh impossible to advise anyone about a debt option via an internet forum as there could be all manner of issues that would need to be considered.

 

Ditto.

 

Bankruptcy is a very personal, often traumatic experience. And should only be considered as a last resort.

 

Any, and all possible options should be considered first.

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think if you miss a payment on an iva you are made br auto

 

This isn't alwasy the case, it would be down to the terms within the IVA agreement. If an IVA fails the Insolvency Practitioner is duty-bound to do the 'next best thing' for all parties involved. In reality a Bankruptcy clause is only going to likely within an IVA if there are assets, such as a house.

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Hi, in response to the above about bankruptcy and IVAs, some people do not want to become involved with bankruptcy due to the heavy stigma attached to this, and the fact that this can affect employments, and assets. I agree that those who have no assets will not lose anything by going bankrupt, but some people do not wish to have their name listed in a newspaper, and want to pay their debts back in full, or as much debt as they can. The IVA is a good alternative to bankruptcy, and not all IVA companies, like those seen on TV charge fees. In the IVA, all assets are protected, the name doesnt go on a newspaper. It is only issued in a magazine that it purchased purely by IPs. The IVA doesnt affect employments or carry a stigma. Therefore some people may want to pay as much as they can back for 5 years, rather than having their debts cleared in 12 months, but everyone knowing about their situation.

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Hi out of cash.

 

It is usually if you miss 3 IVA payments, that your IVA fails. Even if your IVA fails, the creditors do not always make someone bankrupt. It costs the creditors a lot of money to make someone bankrupt, so they want to know if it is in their best interests first before doing this. Therefore, if an IVA failed for someone who had no assets and lived in rented accomodation it is very unlikely they will be made bankrupt.

If an IVA fails, there is always the debt management plans to fall back on. A lot of people automatically presume that if an IVA fails, that persona will automatically be made bankrupt, but this is not true

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