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    • Paragraph 2. I think there should be further down and also you should make the point that the payment to was made unilaterally and without the imposition of any conditions. Paragraph 3 – this is unnecessary because you are not claiming as an entitled third-party. This worries me because it makes me feel that you haven't fully read around because this is a paragraph which you would include where you were suing EVRi as a beneficial third party because you had actually made your contract with Packlink or some other broker. I think you need to revisit and do some more reading. I'm afraid I have a sense that you have simply copied this from somebody else's witness statement without understanding that it wasn't necessary. Please can you post the amended draft. Other than the suggestions above, it looks okay – but let's see it again for a further appraisal. In terms of the evidence, parties bundle, I think it might be an idea to start off with the correspondence with EVRi and then go onto the other evidence. You will have to amend the index page accordingly. You could shorten this bit. Take 19 is pretty well blank and you may as well miss it out also, there seems to be some repetition of emails and the email chain. I think will be worth going through and getting rid of duplicates if you can. 49 pages is a bit long and it would be a good idea to try and reduce the number. I have a feeling that 50 pages as the County Court limit anyway. The judge will be happier with you if the bundle is smaller. Maybe you could reduce the size of some of the images or messages et cetera. You have got several messages which straddle onto a second page so that things like sign off information and standard confidentiality information become orphans. A bit of manipulation and they could be joined to their parents I think. Page 31 as an example. So is page 19. You may only be up to shorten the whole thing by 56 pages – but I think it would be a good idea. 56 pages is, after all, 10%. If you can do more then so much the better
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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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      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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Negotiating Credit Card Debt


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Morning all!

 

I'm after a bit of help as to something which may or may not be possible! I have a Lloyds TSB Platinum Mastercard with a £4000 limit which, needless to say, is maxed out and has been for several years, at least 5 as far as I remember. I have a direct debit set up for the minimum monthly payment and have never failed to make this payment, the problem is that the net effect has done bugger all to reduce the debt so I still have £4k sat there and I'm mapying £79 per month to keep it.

 

Anyway, my wife and I are now expecting our first child. Over the past few year I have cleared thousands of pounds of debt from a reckless youth but this card is still lingering. I am now planning to blitz it, paying £1000 a month for the next 4 months however before I do this I wanted to see if anybody had any advice as to whether I could negotiate the balance down and, if so, how I might go about doing so?

 

As I see it I've probably paid as much as, if not more than my actual debt in interest payments over the years so I thought there may be some scope to negotiate with Lloyds.

 

Any help would be much appreciated!

 

Thanks

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No, I can get rid of it in 4 months, I just want to get rid of it sooner! I could go through the whole farce of stopping the direct debits, letting it go to debt collectors and then negotiating a settlement but I was hopnig to avoid all that!

 

The question is: do you think the bank will play ball?

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well the first thing to do is get off a s78 request for the agreement. don't stop payments just yet

 

If you have the money to settle it then i suggest you go out tomorrow and buy a lump of premium bonds with it whilst you find out about the enforceability

 

don't pay until you know you have to pay- you may well find that you can do a deal

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