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    • Thanks jk2054 - email now sent to OCMC requesting an in person hearing.
    • You can easily argue your case with no sign on the nearest parking sign
    • Same issue got a fine yesterday for parking in suspended bay which was ending at 6:30 yesterday, next thing I see a fine 15 minutes before it. The sign was obstructed 
    • Hi all, an update on the case as the deadline for filing the WS is tomorrow i.e., 14 days before the hearing date: 7th June. Evri have emailed their WS today to the court and to myself. Attached pdf of their WS - I have redacted personal information and left any redactions/highlights by Evri. In the main: The WS is signed by George Wood. Evri have stated the claim value that I am seeking to recover is £931.79 including £70 court fees, and am putting me to strict proof as to the value of the claim. Evri's have accepted that the parcel is lost but there is no contract between Evri and myself, and that the contract is with myself and Packlink They have provided a copy of the eBay Powered By Packlink Terms and Conditions (T&Cs) to support their argument the contractual relationship is between myself and Packlink, highlighting clause 3a, e, g of these T&Cs. They further highlight clause 14 of the T&Cs which states that Packlink's liability is limited to £25 unless enhanced compensation has been chosen. They have contacted Packlink who informed them that I had been in contact with Packlink and raised a claim with Packlink and the claim had been paid accordingly i.e., £25 in line with the T&Cs and the compensated postage costs of £4.82. They believe this is clear evidence that my contract is with Packlink and should therefore cease the claim against Evri. Evri also cite Clause 23 of the pre-exiting commercial agreement between the Defendant and Packlink, which states:  ‘Contracts (Rights of Third Parties) Act 1999 A person who is not a party to this Agreement shall have no rights under the Contracts (Right of Third Parties) Act 1999 to rely upon or enforce any term of this Agreement provided that this does not affect any right or remedy of the third party which exists or is available apart from that Act.’ This means that the Claimant cannot enforce third party rights under the Contract (Rights of Third Parties) Act 1999 and instead should cease this claim and raise a dispute with the correct party.   Having read Evri's WS and considered the main points above, I have made these 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. 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. 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. 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. 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.  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. Clearly Evri have not read by WS as the above is all clearly explained in there.   I am going to respond to Evri's email by stating that I have already sent my WS to them by post/email and attach the email that sent on the weekend to them containing my WS. However, before i do that, If there is anything additional I should further add to the email, please do let me know. Thanks. Evri Witness Statement Redacted v1 compressed.pdf
    • Thank you. I will get on to the SAR request. I am not sure now who the DCA are - I have a feeling it might be the ACI group but will try to pull back the letter they wrote from her to see and update with that once I have it. She queried it initially with 118 118 when she received the default notice I think. Thanks again - your help and support is much appreciated and I will talk to her about stopping her payments at the weekend.
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      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.

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    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
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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.

      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
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HFO chasing 3 CITI Loans + **WON PPI**


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OK please find attached CCAs from OC. Questions and points i have collated so far ( with help from Coledog). Any further questions comments or pointers much appreciated!

  • Three credit agreements dated 22 Sept 04, 11 Feb 05, 22nd July 05 all for loan refinances. There is NO agreement for the original loan or whatever was refinanced in Sept 04.
  • Insurance cover documents for these three loan ( PPI argument?)
  • An application form dated 20th July 05 - but no other application forms, plus supporting id, payslip and bank statements etc
  • No default notice or any correspondence about missing payments
  • No statement of account or record of payments made/charges etc
  • No record of any telephone calls or manual intervention
  • No Notice of Assignment or anything whatsoever about who the debt was sold to or how this got to HFO

 

 

cca's.........

no right to cancel boxes

 

fleeced blind on PPI

which is rolled over from loan to loan.

PPI on PPI and Interest on Interest!!

cause i bet you got no rebates

 

 

you can reclaim £1000's here!

 

pers i'd PM DJ1971

 

he'll do a calc for you.

 

dx

siteteam

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Did you send it to:

 

Data Request Team

Citibank

PO Box 49944

London

SE5 7YG

 

I think these ar the people who sent the last one

 

The only other address I can find is:

 

Citibank International plc

PO Box 49930

London

SE5 7XT

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update,

 

although not signed for, I got a reply from Derby..

 

They advise that all sent on 10/10 ( date of their original reply with the semi complete info) saying they ve sent everything and what do i think is missing.

 

In my mind this is;

 

complete statement of account

Original CCA

letter of default and notice of assignment

 

am I missing anything else?

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Yes - I would have expected statements, default notices, who they sold it too. If they have confirmed that this is all they have, it is all you can do for now. A distinct lack of paperwork.

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Well - I would say that there is actually no proof of what is owed or a legal default notice being served. There is also no proof that this was sold to the wombles! Someone could actually 'find' something I suppose but you now have written confirmation that this is all they have.

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update,

 

although not signed for, I got a reply from Derby..

 

They advise that all sent on 10/10 ( date of their original reply with the semi complete info) saying they ve sent everything and what do i think is missing.

 

In my mind this is;

 

complete statement of account

Original CCA

letter of default and notice of assignment

 

am I missing anything else?

 

Add

 

Written confirmation of to exactly whom and when the account was sold

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update, got an interesting reply yesterday to my letter asking for the above.

 

Wont go word for word and will scan letter up on Monday but it says...

 

"thank you for your recent letter. We would like to point out that the information provided on xx /xx/10 ws pursuant to your data subject access request for information under the DPA 1998.

 

If you would also like information under the cca 1974 we wiill require payment

 

our fee is £1 please send this to the above address.

 

"

 

Question for me, if I have paid £10 under the DPA 1998 for all information they hold on me ( for presumably the last 6 years) why on earth would I need to pay for this....?

 

The pound isn't of course an issue but something strikes me as odd in this reply!

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Send em this - they are just being stupid! adapt to suit

 

 

Dear Sir/Madam

 

Account:

 

I am in receipt of the documents that you have supplied in response to my Data Protection Act information request dated --.--.-- The disclosure of personal datalink3.gif is incomplete in that at least the following documents are missing.

 

 

1) You have failed to provide a notice of assignment

2) Whom the debt was sold to in this must include company name, full address, and Telephone numbers

3) You have provided no notes, or documents relating to instances of manual intervention.

 

This is not an exhaustive list by any means, it is just an example of some of the information I am missing.

 

Accordingly, I have to tell you that you have not yet complied with your obligations under the Data Protection Act 1998.

 

You have a further 24 days to comply.

 

Yours faithfully,

 

-------------------

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update, got an interesting reply yesterday to my letter asking for the above.

 

Wont go word for word and will scan letter up on Monday but it says...

 

"thank you for your recent letter. We would like to point out that the information provided on xx /xx/10 ws pursuant to your data subject access request for information under the DPA 1998.

 

If you would also like information under the cca 1974 we wiill require payment

 

our fee is £1 please send this to the above address.

 

"

 

Question for me, if I have paid £10 under the DPA 1998 for all information they hold on me ( for presumably the last 6 years) why on earth would I need to pay for this....?

 

The pound isn't of course an issue but something strikes me as odd in this reply!

 

 

Thanks Cole, thats what i thought! just wanted to run it past your good ears to be sure! strange reply to say the least! is 24 days too long?

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HFO seem to have a large portfolio of lemons they are trying to suck dry... wonder if they have anything more positive than we have seen.

 

I really feel sorry for the people who haven't found this forum and have either paid up, are paying up and have had CCJs by default because they didn't know how easy it is to defend their rubbish.

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It is basic telemarketing technique, SG, the more people you contact/phone the more chance you have of getting a bite. HFO also add the threat element. I think that BB has had every threat in their toolbox!

Please support CAG and they will support you.

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