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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
    • 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
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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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Wonga rip off


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This company seem to love telling their customers they are committing fraud when they break a lot of the laws themselves.

 

Send any emails you have as part of a complaint about them to Trading Standards (do this via the Consumer Direct website) and also complain to the OFT.

 

From the point they claim that you owe them £80 if you recall their alleged right to 'dip into' your bank account they are on a sticky wicket.

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read a little of it leaving you money to pay day to day expences mmmmmmmmmmmmmmmmmmm right def broke theve left me the prospect now of action against me for council tax, I could be repossessed cos I couldnt pay mortge now left with no telephone at all bad as I am selling my house, all pointed out to them but they think they are above the law

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quick update They phoned me left a voicemail message from some guy at head of dept leaving me a local rate numbder (0207) and sounding very worried asking me to contact them about OFT breakages letting them stew now I have got my phone back, today going to see legals over this after car MOTeed using piggy back acct so they cannot take anything from current acct.

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Not sure about if it was the FOS as they mailed me basically telling me JAck at all have now to wait until monday for legal stuff as Car failed MOT :( anyone know a good welder LOL ah well exercise will do me well for walks as I have a few errands to run also. Might write to my bank also to have money refunded see them charge me with fruad and jail me will let you all know what happens.

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quick update and question. Seems that when someone tries to batles these legalise loan sharks all the bodies FOS etc seems to suck through their mouths and run a mile. any ideas where alse go take this

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will try that one Ive sent yet another mail to errol to see if he replies yet again I have a feeling that they will just ignore me totally in the hopes I will go away. The ironic thing is I never have or ever said that I will not pay this back I just want something done about the vile e mails and and the interest stopped and a repayment set up on what I can pay not what they demand.

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update finally after nagging them over no reply I received a response saying that they are consulting thier "lawyers" over the oft and telling me in a seperate mail basically they can reply when they like :rolleyes: with a FOOTNOTE ADDING WHEN ARE YOU GOING TO SEND YOUR FINANCIAL CERCUMSTANCES I told them the same when I am ready and worked all prorities out

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You must NOT send them a list of your other creditors nor fill in an Income and Expenditure form, it is not a legal requirement until they take court action against you. It is yet another scare tactic.

 

If you DO do an I&E form use the CAB one as it is less 'comprehensive' than some of the dodgy ones I've seen and coming from them should have an impact.

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  • 6 months later...

I have had a really bad eperience with WONGA!

I had a loan with them which was great but 3 days before the repayment was due i had a bank message stating that fraudulent activity has been noticed on my account and that a large sum of money had been withdrawn so they cancelled my visa debit card, with this i emailed wonga stating what had happened and that i wouldnt be able to pay my extension fee wich i intended to do for this month from the start and i asked them if they could wait 3 days for the 90 something extension fee and all they did was send an email saying to pay the amount in full direct to their bank before the due date, considering they are pay day loans and due on my pay day i thought this was stupid. anyway my nan put some of her money in my cash card account that i used to pay wonga once with but took it off primary card and my nan said that she can lend me the extension fee on the monday out of the money she put in my bank on the thursday before so i said great.

the next morning i checked went to my bank to get the money and found out all what my nan had put in plus the extension fee i saved for another payday company had gone! i went mad i phoned my bank and found out that wonga without asking debited my card and took 2 small payment and a big payment!

this has destroyed my life as i get paid monthly and i have had no money to live on and i couldnt pay my extension fee to another company which has resulted in the interest getting out of hand and on top of that wonga is increasing their interest at around £50 per day as there was only enough to cover half the loan in the bank when they took it!

they would not even return any of my calls and i wasted at least £20 credit on hold everytime but to cover that they hadnt returned my calls they would try ringing me when i was in work and they new i was in work as i told them!

 

so basically because wonga didnt take into consideration my situation and couldnt wait 3 days for my extension fee which would have left my life normal, i am now in debt with my rent and payday uk and wonga plus have had nothing to live n for the last 3 weeks.

 

I now hate this company with a passion and would love to meet the people who recked my life in person so i can give them a piece of my mind. hiding behind closed doors is all they do.

this company shouldnt be allowed to carry on but because of the amount of money they are making and the awards they are winning the government wont do anything about it! we just have to live with being done over!!!

 

After taking a loan out with wonga because of certain circumstances the payment didnt go through as expected.

 

They decided to dip into my account and take little amounts then a huge chunk all on the same day I complained about this as this has left me with bounced council tax and mortgage payments bank charges etc. I went online to thier live chat and spoke to a girl who was of very little help at all. she just kept telling me to call or e mail to set up a payment plan (why should I when they have already ripped me off.

 

I E mailed them with My complaint and awaiting for a reply but not holding my breath (will keep you updated on this) I myself am going to blow them out the water as if they dont respond to the complaint I am going to take things to the top to stop others being ripped of by these people who I can only describe as Loan sharks.

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  • 1 month later...

To be fair, if you take out a loan and don't pay it back on time, the small (well, tiny) print does tell you what they will do to get their cash back. Every time I see someone ranting about Wonga, calling them thieves and rip-off merchants, it's ALWAYS someone who took out a loan then didn't stick to their side of the agreement. Of course they are going to take steps to get their cash back from you if you don't pay on the due date. For every complaining non-payer I've seen post about how bad Wonga is, I've seen others from customers who pay back on time talking about how good Wonga have been. I'd suggest reading the small print you get with your loan before risking not paying it back and having your bank account emptied.

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another 1st poster defending a payday loan company.

 

you obviously work for Wonga so not many people will take any notice of what you say.

 

having said that its true charges and fees are in the terms and conditions and most of the people of this sites problems have come about by taking multiple paydays loans, a problem of their own doing no matter what the circumstances.

 

however, Wonga make it very easy to obtain this money with little or no checks and when people admit they have a problem receive little or no help from the company execpt to be told you must default 1st (rip off procedure to add interest and fees to the loan - the OFT should really really look in to this practise).

 

they are then hastled, bullied and threatened by Wonga and their agents to pay back what can be up to 10 times the amount borrowed in the 1st place.

 

Payday loans work fine for most, but god forbid you ever fail to pay one back on time.

Edited by 26072004
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Yes I am a first poster but I have been following the threads for some time. No I don't work for Wonga but I do use them. And I am only defending them as they are the only one I have any experience with. I'm not defending their actions when someone doesn't pay on time, just pointing out that if you pay the cash back on the day you tell them you will, the system works smoothly enough. Funny how every time a positive post appears, the poster is accused of working for the loan company and their comments largely ignored. If you can manage your finances well, but need a hand now and then, and know you will earn enough to pay it back on the day you choose, then I think Wonga is a really good option.

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but this is not the place for a well done Wonga, arent they brilliant post.

 

The majority of posters here have been treated very badly by Wonga.

 

You could always start your own forum about how great they are, but people visiting this site do so because they feel agrieved by their treatment.

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if they are so good then why oh why after I threaten to publicy shame them they backtracked and in the end compensated me with a grovelling letter and goodies they knew there were in the wrong and it took me to proverbily (think thats the right spelling LOL) kick them in the rear end and threaten them back to get anywhere PDC are no more than legalised loan sharks and I hae them with a passion along with estate agents (well one very well known one) benefit staff who don't know hier rears from thier elbows My advise to everyone is keep well away from them don't use em and hopefully they would all sink without a trace.

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I would love to kick wonga into touch,

but to be fair posting up that unless you slag them off, your not welcome on cag is not right either.

I am not a new poster and have fought my battles with various organisations.They see a gap in the market and exploit it.In my case no surplus money, no credit cards, no access to borrowing whatsover.Ask Mum at my age a noo!!

Wifes Car MOT will have to find extra from somewhere.

So will apply to them, no doubt, and pay them back as soon as I can to reduce the terrible intereast.

I have extented on occassions with no problem.

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To be fair, if you take out a loan and don't pay it back on time, the small (well, tiny) print does tell you what they will do to get their cash back. Every time I see someone ranting about Wonga, calling them thieves and rip-off merchants, it's ALWAYS someone who took out a loan then didn't stick to their side of the agreement. Of course they are going to take steps to get their cash back from you if you don't pay on the due date. For every complaining non-payer I've seen post about how bad Wonga is, I've seen others from customers who pay back on time talking about how good Wonga have been. I'd suggest reading the small print you get with your loan before risking not paying it back and having your bank account emptied.

 

Where is the Clown smilie when you need it????

www.bellyup4blues.com Just Go There !!!

 

Woolwich Prelim Sent 5.12.2006 !!!

S.A.R - (Subject Access Request) sent 22.12.2006 (yeah I know)

16.1.2007 £1000 offer rejected

LBA sent 31.1.2007

N1 presented to Court 15.2.2007

Won / Settled 2 days before court date

£5200 plus int charges returned.

 

All and Leics S.A.R - (Subject Access Request) sent 22.12.2006

2nd S.A.R - (Subject Access Request) sent 15.1.2007

Statements received

Prelim sent 31.1.2007

LBA Sent 15.2.2007

Won £1500 on receiving court date..

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if you had read the thread then you wuld have seen I wanted it rolled over just a couple of days until the funds were in they chose to ignore me then when I complained was threatened in a bullying manner then when press got involved they backed off admitted it was wrong and compnsated me and apologised they had infact taken the oan amount out in dribs and drabs then decided to add extras with no ggod reason 5.00 per day when I asked specifically for the account to be put on hold so it could be investigated being told no Lied to by an agent there who wished me to call to discuss the complaint about oft breakages then tried to threaten and bully me is that a way for a company to operate you tell me.

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How did the press get to know??

www.bellyup4blues.com Just Go There !!!

 

Woolwich Prelim Sent 5.12.2006 !!!

S.A.R - (Subject Access Request) sent 22.12.2006 (yeah I know)

16.1.2007 £1000 offer rejected

LBA sent 31.1.2007

N1 presented to Court 15.2.2007

Won / Settled 2 days before court date

£5200 plus int charges returned.

 

All and Leics S.A.R - (Subject Access Request) sent 22.12.2006

2nd S.A.R - (Subject Access Request) sent 15.1.2007

Statements received

Prelim sent 31.1.2007

LBA Sent 15.2.2007

Won £1500 on receiving court date..

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[email protected]

 

he got it all rolling then one show was interested but didn't go ahead

 

money magazine did a peice back in november independant interviewed but didn't get in but it was all enough for them to back off

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