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    • Any chance of some advice with filling in the N164 please?    I've sent an EX107 to the Court to request transcript of the Judgment to use in an appeal but the Courts still haven't actioned this and my 21 days expires on Tuesday
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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.

      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.

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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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Advent Computer Training (Barclays Partner Finance)Info and discussion thread


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ANNOUNCEMENT.....

 

Nick Sommerlad of the Daily Mirror national newspaper is researching for a follow up article on our situation. He's asked for evidence of Barclays unethical harassment techniques so if you want to contact him with your story and any texts/recorded phone messages you have that would be great. Thanks.

 

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Edited by IdaInFife
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Well I have had a letter from Barclays. Telling me that I am now 2 months in arrears so they have added a £22.50 fine onto my account and if I dont pay them within 7 days they will add another £22.50. Im still not goin to pay them but anyone got advice of what I shud do about it. Thanks

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Well, I thought it would happen. The FO said BPF agreed to extend my interest free period, guess what I got through the door yesterday. Thats right a demand for payment! Surprise surprise. I will be forwarding the letter on to the FO.

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Well I have had a letter from Barclays. Telling me that I am now 2 months in arrears so they have added a £22.50 fine onto my account and if I dont pay them within 7 days they will add another £22.50. Im still not goin to pay them but anyone got advice of what I shud do about it. Thanks

 

I am in the same situation .. my payments were due to restart 15th may

I have already written and phoned that I dispute the company they found for me, and told them no way was I paying them a penny while computech or Else! were the options.

They have marked my credit score with late payment.. I have not checked but should imagine I have a second mark.

 

So its upto the lawsuit now, but I still refuse to accept the options I have been offered.

if you went to a shop and brought a nice blue jumper and when I got home I found it had got holes in it, I would take it back to the shop, if they told me they did not have any more of the blue jumpers.. here have this ****ty orange coloured one instead.. would you accept it? would you have to accept it? no! so why should I accept a ****ty offering of training company I have already been a student of.

 

Barclays know they have to pay by law they are liable, they made billions off their customers, they paid themselves millions in bonuses.. so now its the bad times and instead of us having to pay.. its barclays turn!!!!

Edited by 10pack
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Received two mail from bpf. one saying 'FAILURE TO RESPOND TO THIS LETTER WILL RESULT IN US PASSING YOUR ACCOUNT TO OUR AGENT, MERCERS DEBT COLLECTIONS LTD, AND INSTRUCTING THEM TO ISSUE YOU A FORMAL DEFAULT NOTICE.'

another letter saying ' WE ARE NOT IN A POSITION TO PROVIDE YOU WITH A FULL RESPONSE AS WE ARE STILL INVESTIGATING YOU CONCERNS. BPF ARE CARRYING OUT A FURTHER INVESTIGATION AND WILL BE LOOKING TO RESPOND TO YOU WITH A DECISION BY THE 23 JULY.

 

but I'm not gonna pay a penny.

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I have not read all the posts here as there are 205 pages of them but several people have said that they just simply aren't going to pay.

 

You signed an agreement to pay 'x' amount for 'x' months. You must have planned to make these payments and therefore should still be able to afford to make these payments.

 

The fact that Advent went bust is not the fault of Barclays however they are jointly and severally liable so does this mean you can just stop paying them?

 

NO!!! and by not paying you are making a bad financial situation worse and you are undermining your own arguement.

 

If it goes to court and it is ruled in favour of Barclays then you will have a bad credit rating, financial penalties to pay for missing payments AND the rest of the loan to pay.

 

If you get lawyers or the Financial Onbudsman involved and you have just simply stopped making payments then it could be considered you were acting unreasonably and that could count against you.

 

The agreement stands and is legally binding until Barclays and you agree otherwise or until Barclays are told otherwise by a relevant authority. So for your own sakes keep making the payments until the matter is resolved.

 

BTW I started the Advent course 3 years ago and paid of the loan in full before the interst and monthly payments kicked in. It was the biggest waste of money I have made and I didn't even complete the comptia a+ (because the training material was so useless) and when I asked Barclays for my money back they told me that the term of the course was 2 years and because I'm outside that they have no obligation to refund me or find alternative training.

 

Did anyone else know there was a 2 year time limit or did you all think it was an open ended course?

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I have not read all the posts here as there are 205 pages of them but several people have said that they just simply aren't going to pay.

 

You signed an agreement to pay 'x' amount for 'x' months. You must have planned to make these payments and therefore should still be able to afford to make these payments.

 

The fact that Advent went bust is not the fault of Barclays however they are jointly and severally liable so does this mean you can just stop paying them?

 

NO!!! and by not paying you are making a bad financial situation worse and you are undermining your own arguement.

 

If it goes to court and it is ruled in favour of Barclays then you will have a bad credit rating, financial penalties to pay for missing payments AND the rest of the loan to pay.

 

If you get lawyers or the Financial Onbudsman involved and you have just simply stopped making payments then it could be considered you were acting unreasonably and that could count against you.

 

The agreement stands and is legally binding until Barclays and you agree otherwise or until Barclays are told otherwise by a relevant authority. So for your own sakes keep making the payments until the matter is resolved.

 

BTW I started the Advent course 3 years ago and paid of the loan in full before the interst and monthly payments kicked in. It was the biggest waste of money I have made and I didn't even complete the comptia a+ (because the training material was so useless) and when I asked Barclays for my money back they told me that the term of the course was 2 years and because I'm outside that they have no obligation to refund me or find alternative training.

 

Did anyone else know there was a 2 year time limit or did you all think it was an open ended course?

 

The above is the harsh and true reality of how unfair this is and how on paper, this is right.

 

My boyfriend decided to pay his loan upfront in the end as he didnt want any bad debt against him just in case he didnt win the case as this would hurt him a lot more than a few missed payments to Barclays.

 

It doesn't make any sense and you shouldn't be forced to go with a company you haven't signed up for and I hope when/if it goes to court we all win but I've just tried to accept the worse case sceanio just in case. None of us are lawyers, who knows if there is a little loophole in the paperwork to let Barclays get away with this....

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I have not read all the posts here as there are 205 pages of them but several people have said that they just simply aren't going to pay.

 

You signed an agreement to pay 'x' amount for 'x' months. You must have planned to make these payments and therefore should still be able to afford to make these payments.

 

The fact that Advent went bust is not the fault of Barclays however they are jointly and severally liable so does this mean you can just stop paying them?

 

NO!!! and by not paying you are making a bad financial situation worse and you are undermining your own arguement.

 

If it goes to court and it is ruled in favour of Barclays then you will have a bad credit rating, financial penalties to pay for missing payments AND the rest of the loan to pay.

 

If you get lawyers or the Financial Onbudsman involved and you have just simply stopped making payments then it could be considered you were acting unreasonably and that could count against you.

 

The agreement stands and is legally binding until Barclays and you agree otherwise or until Barclays are told otherwise by a relevant authority. So for your own sakes keep making the payments until the matter is resolved.

 

BTW I started the Advent course 3 years ago and paid of the loan in full before the interst and monthly payments kicked in. It was the biggest waste of money I have made and I didn't even complete the comptia a+ (because the training material was so useless) and when I asked Barclays for my money back they told me that the term of the course was 2 years and because I'm outside that they have no obligation to refund me or find alternative training.

 

Did anyone else know there was a 2 year time limit or did you all think it was an open ended course?

 

Good grief i suggest you read the 205 pages - there is more to this than you think.

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Erm, I'm £4450 out of pocket and out of work, and because it was more than 2 years ago I started with Advent I get no refund from Barclays and no alternative traing from Computeach. And I have no idea who Wilma Thompson is:confused:

 

 

.plus if it dose come 2 that then we all go backrupt .

 

 

 

Not being funny but I don't quite understand your post, sorry.

 

 

a name like Feed me, sums up Barclays really a Bloated,Archaic financier who has had it to easy for too long.

 

Whoever it is must think we are really stupid!!!

 

Do you think I'm from Barclays? I certainly am not but I am someone who has used a credit fee agreement (no-win-no-fee) on three occasions and have won each time. So given my experience of taking legal action I would suggest you make all the payments until such time as the credit agreement is cancelled, terminated, declared null and void or whatever.

 

But the agreement is lawful at the moment, therfore you have to pay. And when the agreement is shown to be unlawful or unfair then you will get your money back.

 

If you stop paying now you will only undermine any legal action you might take later. You're shooting yourself in the foot.

 

Also my credit agreement was with Clydesdale and the letter I got from them says if I suffer a loss of at least 25% of my household income or am involuntarily unemployed or sick etc... I can take a break from making payments, interest free, for up to 12 months

Edited by IdaInFife
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But the agreement is lawful at the moment, therfore you have to pay. And when the agreement is shown to be unlawful or unfair then you will get your money back.

 

Not according to a legal team involved at the moment.

Like i said, read through the 205 pages.

You might get the picture. Its more than just Advent going down the pan,

And Computeach hanging on by its string vest.

 

In my case BPF keep extending my account on hold for 30 days,

while they investigate my claim.

Edited by lowdown
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I have not read all the posts here as there are 205 pages of them but several people have said that they just simply aren't going to pay.

 

You signed an agreement to pay 'x' amount for 'x' months. You must have planned to make these payments and therefore should still be able to afford to make these payments.

 

The fact that Advent went bust is not the fault of Barclays however they are jointly and severally liable so does this mean you can just stop paying them?

 

NO!!! and by not paying you are making a bad financial situation worse and you are undermining your own arguement.

 

If it goes to court and it is ruled in favour of Barclays then you will have a bad credit rating, financial penalties to pay for missing payments AND the rest of the loan to pay.

 

If you get lawyers or the Financial Onbudsman involved and you have just simply stopped making payments then it could be considered you were acting unreasonably and that could count against you.

 

The agreement stands and is legally binding until Barclays and you agree otherwise or until Barclays are told otherwise by a relevant authority. So for your own sakes keep making the payments until the matter is resolved.

 

BTW I started the Advent course 3 years ago and paid of the loan in full before the interst and monthly payments kicked in. It was the biggest waste of money I have made and I didn't even complete the comptia a+ (because the training material was so useless) and when I asked Barclays for my money back they told me that the term of the course was 2 years and because I'm outside that they have no obligation to refund me or find alternative training.

 

Did anyone else know there was a 2 year time limit or did you all think it was an open ended course?

 

Yes by all means we should pay.. but what is the point when Barclays clearly are just playing with us.. and have no intentions of honouring their side of the agreement.

 

computeach is no way a suitable alternative and they know it.. they told us they searched for for an alternative.. damn liars!!!.

 

computeach and its students owe barclays money, and if computeach also goes bust (they are running a -£2.4m loss) then barclays are in an even bigger hole.. so they dumped us advent students on computeach hoping the extra cash will keep computeach afloat.

 

so tell me who is breaking contract terms??

 

I do not wish to be a computeach student!!! (I already have been in the past).. and I do not see how barclays can make me accept something I do not want.. so they can end my contract now return my £312 and call it quits or it goes to court and they will end up paying even more.

 

...computeach or else!!.. are not equal or better alternatives!!!!

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You must have planned to make these payments and therefore should still be able to afford to make these payments.

 

As i said before you do not have a clue, maybe you don't work for Barclays but you sure as hell are acting like it. The has been a global financial crisis caused by banks like Barclays which has affected many of us young and old. Allot of us simiply cannot afford to pay them. To be totally honest i doubt all of us could have afforded the payments before we got the loan, but then we were promised fantastic jobs paid 30k a year plus. In addition do this Barclays were actually lending irresponsibly in many cases in the first place one months payment was 25% of my monthly salary in the job i was in at the time hardly rocket science is it.

 

How dare you come on here and try to make some of us out to be idiots. You should have read all of the pages!

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I got my answer from FOS yesterday, and basically they are said Barclay offer me alternative provider and I need to accept this...My Hope in that instytution is GONE

Edited by On Hook
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Spot on, 10pack! Sums it all up perfectly!

 

S75 of CCA - breached by Barclays/Advent. 2 month gap before CT appointment.

Mis-selling by Advent - lots of evidence on the agreements we signed and our personal testimonies of sales techniques by those who visited our homes.

Like for like? - proven NOT so by CT replies to our inquiries!

 

Case won!

Barclays shamed - skulduggery, lying, bullying and intimidation! Let's see them recover from that in the press! It's just a matter of time.

 

Please all contact Nick Sommerlad at the Daily Mirror who is prepared to confront Barclays if he has testimony and evidence from us.

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As i said before you do not have a clue, maybe you don't work for Barclays but you sure as hell are acting like it. The has been a global financial crisis caused by banks like Barclays which has affected many of us young and old. Allot of us simiply cannot afford to pay them. To be totally honest i doubt all of us could have afforded the payments before we got the loan, but then we were promised fantastic jobs paid 30k a year plus. In addition do this Barclays were actually lending irresponsibly in many cases in the first place one months payment was 25% of my monthly salary in the job i was in at the time hardly rocket science is it.

 

How dare you come on here and try to make some of us out to be idiots. You should have read all of the pages!

 

Exactly - let's not forget the astronomical 26% interest is also questionable as going against the OFT and FSA guidelines.

 

Greedy, scheming and unethical traders.

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