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    • Yeeeeees! Well done on your victory!  👏
    • Hearing held today in court. I attended in person and Evri had an advocate attend on their behalf to defend their position that my contract is with Packlink and not with them. I also provided a copy of Evri's terms and conditions which explains that a contract is entered into when a parcel is sent with Evri. The judge pointed this out to the Advocate and agreed there is a contract between me and Evri under the Ts and Cs. The judge explained that while Packlink are responsible for organising the delivery of the item, it is Evri who are responsible for handling the goods and delivering them, and therefor Evri has a responsibility to handle the goods with reasonable care and skill. So am pleased to say the judge found in my favour. Hearing lasted about 75mins. Evri has been ordered to make payment within 21 days. Also nice to meet @jk2054 in person.
    • Good morning,    I just wanted to update you on the situation.    I have visits piling up with my current employment and they need doing before I finish at the end of this month.  I am moving to Wiltshire in 3 weeks for a new job helping care homes with their Dementia patients. I tried to work it out and at a guess I will be doing about 20-25,000 miles a year. So need a vehicle that can cope with that mileage, my old car would have done it easy but 🤷‍♂️ I have taken out a loan and got a friend to find me a reliable car that can cope with the miles and hasn't been written off in the past.   I phoned Adrian flux to see if I could use the last months insurance on a new car I have bought, the girl I spoke to phoned Markerstudy and asked them but they said no, my new car doesn't have any modifications.    I had an email from someone who saw one of my appeals for information, they live near the site of the accident and know a nearby farmer who has a security camera at his entrance that catches the traffic and specifically registration plates as he has been robbed before. They said they would reach out for me and see if he still has the data. Unfortunately it wont catch the scene of the crash.   The Police phoned me and said they were closing the report I made, even if they found footage of the vehicle at the time I said the actual incident would be my word vs theirs.  My first response was I am sure google maps would show that they turned around at that location which would verify my version of events, but upon reflection I do understand, I have seen people doing make up with both hands while driving, eating from a bowl steering with their knees and veering all over the place. I am sure some of these people go off the road and claim that someone forced them off.    Markerstudy phoned me yesterday to say that my car is now at Copart, the £80 tank of Vpower diesel was emptied on entry to the site for safety reasons, which I get but it sucks.  It is awaiting being assessed and shouldn't be too long, which is a relief.  I am really glad things do not seem to be going the way of the other stories and they seem to moving quickly.   However I was informed that my car was a structural write off before I bought it - this destroyed me, I was almost sick.  and this is going to affect any offer of money - after hearing the first statement this didn't affect me.   They need to wait for the assessor to check it over but it is highly likely to be written off and the maximum they can offer is £2300.  I was desperate for a car as I was working for an agency at the time, no work no pay, and did not do a vehicle check because I didn't know about them.  The seller did not tell me that it had been structurally written off, he told me that it had the front wing damaged while parked and was repaired at an approved repairer.  Markerstudy records state that it was sold at auction, no record of repair at an approved repairer.  I bought it bank transfer with hand written receipt.    It gets worse.    It turns out my airbags should of gone off. For some reason they are not working. I think we can figure out why.  If I had hit that car head on and had no airbags.    Some good news.    I can arrange a time with Copart to go and take my stereo equipment and any personal items that are left in the car only. I cant live without music and need quality sound, my speakers and amps are Hertz and JLaudio, (no I am not a boy racer with booming subs, I am an audiophile on a budget) I was really worried I wouldn't get them back so this is a huge relief for me. It is stuff I have built up over years of saving and collecting. Everything to do with the vehicle and mods I have declared need to stay to be assessed.   The accident has gone as a fault on my record, I have to remove 2 years NCB which means I still have some to declare which is good.  So it appears at this point that it may be resolved quickly, not in the way I was hoping, but not as bad as I presumed it was going to be based upon that tow truck drivers attitude and behaviour and the horror stories I read.   I am not going to buy the car back and try to make money with all the parts on it, I don't have the time or energy.   I may need an xray on my back and neck.  The whole situation has left me feeling physically sick, drained and I need it done.   The lesson learnt from this  -  My conscience is 100% clear, my attitude to safety and strong sense of personal responsibility - A rated tyres even if on credit card, brake fluid flush every year, regular checks of pads and discs, bushes etc, made avoiding what I believed to be a certain broadside collision possible.   Get a dashcam (searching now for the best I can afford at the moment)  -  Research your insurance company before you buy  -  Pay for total car check before you go and see a car and take someone with you if you are not confident in your ability to assess a vehicle.      Thank you to everyone here who volunteers their time, energy and information, it is greatly appreciated.  You helped my sister with some advice a while ago but we weren't able to follow through, she is struggling with long term health conditions and I ended up in hospital for a while with myocarditis, when I got out and remembered it was too late.  I am going to make a donation now, it is not a lot, I wish I could give more, I will try to come back when things are on a more even keel.    Take care
    • It seems the solicitor has got your case listed for this “appeal” but not for the Stat Dec(SD). You need to ensure you can perform your SD on the day. If you are able to make your SD in court, the situation you are in now is more straightforward than if you made your SD via a solicitor. You have been convicted of two offences (and two were dropped) via proceedings of which you were not aware. The way to remedy that is to perform an SD. No appeal is necessary (nor is it available via the magistrates’ court). If you are able to make your SD this is how I see it panning out: You will make your SD to the court. The court must allow you to make it as it will have been made within 21 days of you discovering your convictions. You will then be asked to enter pleas to the four charges again. At this point you should plead not guilty to all four but make the court aware that you will plead guilty to the speeding charges on the condition that the FtP charges are dropped. The prosecutor will be asked whether or not this is agreed. In my opinion the overwhelming likelihood is that it will be. If it is you will be sentenced for the two speeding offences under the normal guidelines. In the unlikely event it is not accepted,  the speeding charges will be withdrawn (they have no evidence you were driving). You have no viable defence to the FtP charges and so should plead guilty. This will mean 12 points and a “totting up” ban (as you have already suffered). You can present an “Exceptional Hardship” argument to try to avoid this (explained below).   Because of this, I don’t see any need to make an argument to ask to have any ban suspended (pending an appeal to the Crown Court) unless and until you are banned again. The only reason I can think the solicitor suggested this is to secure a (Magistrates')  court date. I was surprised when you said you had an appointment so quickly; a date for an SD usually takes longer than that. However, if you can use it to your advantage, all well and good. I can’t comment on the argument that the two speeding offences were committed “on the same occasion” as I don’t have the details. That phrase is not defined anywhere and is a matter for the court to decide. It’s an interesting thought (and only that) that such an argument could equally be made for the two FtP offences. If the requests for driver’s details arrived at your old address at the same time, with the same deadline for reply, it could be argued that you failed to respond to hem both “on the same occasion” (i.e when the 28 days to respond expired) and so should only receive penalty points for one. Hopefully you won’t need to go there. I think you have information about avoiding a “totting up” ban. But here’s the magistrates’ latest guidance on "Exceptional Hardship" (EH) which they refer to: When considering whether there are grounds to reduce or avoid a totting up disqualification the court should have regard to the following: It is for the offender to prove to the civil standard of proof that such grounds exist. Other than very exceptionally, this will require evidence from the offender, and where such evidence is given, it must be sworn. Where it is asserted that hardship would be caused, the court must be satisfied that it is not merely inconvenience, or hardship, but exceptional hardship for which the court must have evidence; Almost every disqualification entails hardship for the person disqualified and their immediate family. This is part of the deterrent objective of the provisions combined with the preventative effect of the order not to drive. If a motorist continues to offend after becoming aware of the risk to their licence of further penalty points, the court can take this circumstance into account. Courts should be cautious before accepting assertions of exceptional hardship without evidence that alternatives (including alternative means of transport) for avoiding exceptional hardship are not viable; Loss of employment will be an inevitable consequence of a driving ban for many people. Evidence that loss of employment would follow from disqualification is not in itself sufficient to demonstrate exceptional hardship; whether or not it does will depend on the circumstances of the offender and the consequences of that loss of employment on the offender and/or others. I must say, I still do not understand what the solicitor means by “As a safeguard we have lodged the appeal and applied to suspend your ban pending appeal due to the time limit for being able to automatically appeal without getting leave of the Judge.” When they speak of “leave of the judge” I assume they mean they have lodged an appeal with the Crown Court. I don’t know what for or why they would do this. It seems to follow on from their explanation of the “totting up” ban. If so, I’m surprised that the Crown Court has accepted an appeal against something that has not yet happened. But as I said, i is no clear to me. Only you can decide whether to employ your solicitor to represent you in court. If it was me I would not because there is nothing he can say that you cannot say yourself. However, I am fairly knowledgeable of the process and confident I can deal with it. That said, I do have a feeling that the solicitor is somewhat “over egging the pudding” by introducing such things as appeals to the Crown Court which, in all honesty, you can deal with if they are required. I can only say that the process you will attempt to employ is by no means unusual and all court users will be familiar with it. I can also say that I have only ever heard of one instance where it was refused. In summary, it is my view that it is very unlikely that your offer to do the deal will be refused. If it is accepted, you may be able to persuade he court that the two speeding offences occurred "on the same occasion" and so should only receive one lot of points. Let me know the details (timings, places, etc) and I'll give you my opinion. Just in case your offer is refused, you should have your EH argument ready. Whether it's worth paying what will amount to many hundreds of pounds to pay someone to see this through is your call.  Let me know if I can help further.    
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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.

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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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MBNA - Link County Court Claim - ** CASE DISMISSED**


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I agree with funkyFox here, the two documents images supplied obviously come from two different sources one microfiche and one probably a file copy they send to all CAG'ers who challange them. The creases will be similar as that is they way all document would be folded to go into envelopes.

 

Do the provided documents have all the prescribed terms to make it enforcable?

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Thanks for the replies

 

The 2 0800 numbers are the same

 

It is possible that it is a microfiche copy as I first thought, but I have doubts as it is a very good copy and normally they aren't !

 

I do believe that all of the prescribed terms are there too as I mentioned in post 12

 

Am in 2 minds as to how to play this, I suppose I could request a SAR and see if they come back with the same documents.

It's all fun and games until someone loses an eye :D

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Hi Manc

 

If you're not sure about the enforceability i wouldn't take any risks. Creditors / DCAs are a bit too quick to start legal proceedings at the moment. I am curious as to how this could be enforceable when usually the old ones aren't, but hey!

 

I can't remember if it's been said, but are there any charges on the account that you could reclaim?

 

There's a link for a full S.A.R here.

I'm midway through the tunnel, but getting closer to the light.

 

 

 

Please be aware that i am not an expert in anything!

I may offer an opinion, but the final decision is yours.

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Ok, here is a question

 

If they did end up taking us to court, I am assuming it would probably be to get a CCJ against us. Would we actually HAVE to go to court itself or could you just send in a defence without appearance?

 

The debt is my OH's and doesn't want to set foot inside a court, whereas if it was my debt then I would not have a problem going.

 

The most we could pay them is £40 a month as we have other creditors to pay and would show this by submitting an Income & Expenditure sheet.

It's all fun and games until someone loses an eye :D

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Ok, here is a question

 

If they did end up taking us to court, I am assuming it would probably be to get a CCJ against us. Would we actually HAVE to go to court itself or could you just send in a defence without appearance?

 

The debt is my OH's and doesn't want to set foot inside a court, whereas if it was my debt then I would not have a problem going.

 

The most we could pay them is £40 a month as we have other creditors to pay and would show this by submitting an Income & Expenditure sheet.

 

Sorry, i'm hope i haven't caused unecessary worry with my last post. Has court action been started?

 

I think if your OH is worried about court, i would take action sooner rather than later. Write to MBNA and make an offer of repayment. Make sure it is an amount you can easily afford and state how often you will make the payment. In the meantime, start making those payments anyway. If they do try to take any further action it will make them look unreasonable.

 

By doing this, it doesn't mean you can't keep looking for opinions on the documents you've been sent. If it is established at a later date that it is unenforceable then you can have a rethink.

 

Get the S.A.R off as soon as you can too.

I'm midway through the tunnel, but getting closer to the light.

 

 

 

Please be aware that i am not an expert in anything!

I may offer an opinion, but the final decision is yours.

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Sorry, i'm hope i haven't caused unecessary worry with my last post. Has court action been started?

 

I think if your OH is worried about court, i would take action sooner rather than later. Write to MBNA and make an offer of repayment. Make sure it is an amount you can easily afford and state how often you will make the payment. In the meantime, start making those payments anyway. If they do try to take any further action it will make them look unreasonable.

 

By doing this, it doesn't mean you can't keep looking for opinions on the documents you've been sent. If it is established at a later date that it is unenforceable then you can have a rethink.

 

Get the S.A.R off as soon as you can too.

 

Don't worry, you haven't cause me any worry with your last post, I really appreciate yours and others help on this forum.

 

Court Action has not started, but I have a feeling that Link may start soon if I dont respond to them.

 

When we started working on the 18 Creditors we had, my OH said that she would rather not go to court as she would be scared, whereas if they were mine then I wouldn't be bothered.

 

We are paying Link for another debt that IS enforceable and they were reasonable with me on the phone as I was recording the call.

 

I will send them a letter and make an offer of £20 per month for now and see what they come back with, whilst sending a SAR to MBNA to get all of the agreements and charges etc. and then take stock of what we have.

 

Thanks again for your help :D

It's all fun and games until someone loses an eye :D

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That sounds like a good plan. As i said though, start making the payments anyway, regardless of whether they accept or not.

 

I can understand your wife's concern it is very daunting. HFC are taking me to court and i am doing everything in my power to avoid it without throwing in the towel completely!

 

Let us know how you get on :)

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I'm midway through the tunnel, but getting closer to the light.

 

 

 

Please be aware that i am not an expert in anything!

I may offer an opinion, but the final decision is yours.

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Reassure your wife that if it ever did get to court, proceedings aren't scary as long as you prepare well and the court staff are friendly and helpful. They don't judge you or treat you like a criminal, 'cos you're not. Being in debt is not a crime.

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Reassure your wife that if it ever did get to court, proceedings aren't scary as long as you prepare well and the court staff are friendly and helpful. They don't judge you or treat you like a criminal, 'cos you're not. Being in debt is not a crime.

 

..and sometimes it can also be almost enjoyable. Please be assured that in most cases the 'solicitors' that get sent by the creditor are certainly no Rumpole of the Bailey, infact in my experience they are usually, unproffesional, unprepared, misinformed and uneducated on matters relating to the Consumer Credit Act. On a number of occasions I have seen the shear frustration and even contempt on the face of a DJ at the bumbling mess in front of him, blushing and madly shuffling papers in a vain attempt to make it look like he knows what on earth it is that he is searching for but seemingly cannot find. In most cases they won't have read your file before they show up.

 

It almost makes it all seem almost worth it!

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Hi manc1976

 

I'm not an expert so I don't want to give you false hopes, but I think a couple of other things which might be relevant should this get to the court stage are;

1. Default Notice. Presumably your OH has received one sometime in the past? Has she still got it and is it compliant? If you still have the original it might be a good idea to post it up here for opinions on it's validity (leave dates intact but remove name and acc number).

 

2. Notice of Assignment. Was this provided and was it sufficient for Link to rely on in court?

In my own case the opposition (HFC, now famous for dodgy default notices) had to discontinue their action against me because they were relying on a DN which Paul (pt2537) had spotted was non-compliant.

 

If you don't still have the above documents then your S.A.R - (Subject Access Request) should turn them up, although it has to be said some unscrupulous creditors (HFC is one) have been known to change (forge) the dates on copies produced at a later dater (which can be proved by several CAG members comparing with their originals).

 

Cheers

Rob

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Can someone explain what happens if the terms and condidtions are on a seprate sheet. What is needed, what makes the CCA valid or invalid ?

Im a little confused when people say is unenforcanble when terms are seprate.

Thanks.

Sorry to hyjack :-)

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On agreements of this age the require terms had to be within the 'four corners' of the agreement, not a seperate sheet.

 

If they were actually on the reverse of the ag - this could be so however, they would need to show this was actually the case and if they don't have the original - they have a problem.

 

David

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Hi all,

 

A question from what I have read here. Does the age of the CCA make a difference as to how it is? I am a bit clueless as to these matters.

I got a Virgin/MBNA card in 2005 and can't actually remember what (if anything) I signed besides an application form. I have gone into this in more detail here:

 

/debt-collection-industry/44578-rma-nco-debt-collectors-20.html

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Hi Tor and welcome to CAG :)

 

You really need to start your own thread. If you're not sure how, have a read of The Dummies Guide below:-

 

http://www.consumeractiongroup.co.uk/forum/welcome-consumer-forums/107001-how-do-i-dummies.html

 

Give us a little more detail on your situation so that we can give you the correct advice.

 

I see that you have a problem with RMA/NCO, who are rather "popular" on the DCI forum :rolleyes:

 

Once you've started your own thread, you can ask all the questions you need answers to ;)

 

Good luck

 

Bo :)

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There's quite a lot of reading to do on the Dummies Guide but well worth it - I just wish it was around when I first joined CAG :)

 

If you need advice quickly Tor, just click on the link at the top (and bottom, from memory) of the DCI forum which says "New Thread" and you're away :)

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I've just had a quick read through this topic, and I noticed that the OP stated at the beginning that the account was over 7 years old, as is shown on the "alledged" agreement.

 

No further mention has been made of this... SO, when was the last payment ?? Have you actually made any payments to them ??

 

Maybe the agreement is irrelevent, the account could turn out to be statute barred ??

Nil Illigitimus Carborundum

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Hi manc1976

 

I'm not an expert so I don't want to give you false hopes, but I think a couple of other things which might be relevant should this get to the court stage are;

1. Default Notice. Presumably your OH has received one sometime in the past? Has she still got it and is it compliant? If you still have the original it might be a good idea to post it up here for opinions on it's validity (leave dates intact but remove name and acc number).

 

2. Notice of Assignment. Was this provided and was it sufficient for Link to rely on in court?

In my own case the opposition (HFC, now famous for dodgy default notices) had to discontinue their action against me because they were relying on a DN which Paul (pt2537) had spotted was non-compliant.

 

If you don't still have the above documents then your S.A.R - (Subject Access Request) should turn them up, although it has to be said some unscrupulous creditors (HFC is one) have been known to change (forge) the dates on copies produced at a later dater (which can be proved by several CAG members comparing with their originals).

 

Cheers

Rob

 

Hi Rob

 

I can't remember seeing a Default notice and am almost positive that there wasn't a Notice of Assignment

 

I will SAR them and see what comes back

 

Thanks for your help :D

It's all fun and games until someone loses an eye :D

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I've just had a quick read through this topic, and I noticed that the OP stated at the beginning that the account was over 7 years old, as is shown on the "alledged" agreement.

 

No further mention has been made of this... SO, when was the last payment ?? Have you actually made any payments to them ??

 

Maybe the agreement is irrelevent, the account could turn out to be statute barred ??

 

Hi

 

We last made a payment about March/April this year as we were on a DMP with CCCS, so it is no way SB'd

 

Thanks for the thought in replying :D

It's all fun and games until someone loses an eye :D

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  • 3 weeks later...

Got a letter from Link today

 

I will reply to them to say that the reason why payments stopped because of their failure to comply with my CCA request.

 

Now that they have I shall make the next Payment in October at what has been previously agreed.

 

Any comments???

 

mbna_moor1.jpg

It's all fun and games until someone loses an eye :D

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Send them this courtesy os SP:

 

Dear Parasites

 

I refer to your letter dated xxxx in which you state: We are unaware of any legally valid reason for non-payment of the above debt or of a reasonable offer being made. We are therefore considering whether we should issue a SD under the Insolvency Act 1986"

 

Your default relating to the formal request I made on (date) pursuant to s.77/78 of the Consumer Credit Act 1974 is an entirely legal reason for non-payment. Your demand for payment is, for the same reason, unlawful.

 

I trust the situation is now clear. If you do not understand, you should seek professional advice.

 

Find enclosed a Notice pursuant to s.10 of the Data Protection Act 1998.

 

And enclose this:

 

STATUTORY NOTICE UNDER S10 DATA PROTECTION ACT 1998

 

At NO time have I given my written permission for you or your company to process my data

 

Therefore Take Notice that I require that you cease from processing within 7 days of the receipt by you of this notice or else that you do not begin to process any personal data of which I am the subject insofar as that processing involves the communication or passing of personal data of which I am the subject to any third party and insofar as the said data relates wholly or in part to the implementation by you of charges which have been applied to my account in respect of defaults or contractual breaches and where the said charges which have been levied at a rate which is in excess of the administrative costs incurred by you as a consequence of the said defaults or breaches contrary to The Common Law.

 

This Notice is given on the grounds that the processing or continued processing by you of the said data will be likely to affect my credit rating and my reputation and cause substantial damage and/or substantial distress to me and my family members in addition to that which may already have been caused and that as the processing of the said data in the way referred to in this notice would violate the first, fourth and sixth principles of The Data Protection Act 1998 to do so would be unwarranted.

 

 

Failure to remove ALL my data from your databases will result in a formal complaint to the Information Commissioners’ Office.

 

Amend to suit etc...

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Thanks BB

 

But because the documents that they sent me DO look enforceable I was going to pay them until I can find anything that shows that it is un-enforceable, so the above letter doesn't really fit, but I hope that you prove me wrong :D

It's all fun and games until someone loses an eye :D

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