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    • Hello,

      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.  

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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.
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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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Bryan Carter/Egg CCA request


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Hi,

I sent a CCA request to Bryan Carter for a Egg credit card debt.

After 2 months I finally got a reply.

 

Though I have no idea if the agreement is enforceable and what I should do next.

Any help, advise, ideas would be very welcome.

 

The response I got was as follows...

A covering letter from Egg that states that included is,

1 - Document A, a copy of my original agreement which contains the original interest rates.

2 - Document B, my current terms and conditions.

 

From looking through what they have sent me it just seems like a photocopied terms and conditions.

Yes, my name and address are on there, but no signature of any kind. Just a tick in a tick box in place of a signature, and a tick in a tick box in place of their signature.

 

What should I do next?

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Well, if you can scan the documents for all the Caggers to see (block out personal information) we will be able to tell you if it's enforcable. How long ago did you take this card out and was it done online?

 

is it a reconstituted agreement or the origional?

My advice is given through personal experience and is given without prejudice

 

 

If I Have helped please feel free to click the star

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Unfortunately Mustard the attachments are too small as they are in jpeg, however,did you apply for this online? I only ask as normally on line apps use tick boxes which are deemed enforceable.

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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Online apps with tick boxes are normally deemed enforceable, as you are able to have the leisure of reading their T&C's in your own homw, however all is not lost.

 

Any charges, late payment fees etc can be reclaimed, and now it is you who is in control, telling them how much you are able to realistically pay back per week/month.

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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Any charges, late payment fees etc can be reclaimed, and now it is you who is in control, telling them how much you are able to realistically pay back per week/month.

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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BB, do you think there is any significance that they have sent the OP's current T&C's, not the T&C's from the origional agreement? (Or are these with the origional agreement, ref:post 1 doc A and Doc B)

My advice is given through personal experience and is given without prejudice

 

 

If I Have helped please feel free to click the star

:smile:

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The relevance of CCA's and their enforceability is questionable, by that I mean in the past some rather unscrupulous DMC's have abused this process and scuppered it for the rest of us, so a questionable CCA shouldn't be relied upon, especially as they can now reconstitute the agreements, however, IMO they should produce the T&C's at the time the agreement was taken out, AND the latest T&C's including all or any variations to them in between for the life of the agreement.

 

By all means dispute the account on the basis that they have failed to supply T&C's from the original date of the agreement, but it's a ruddy minefield at the minute, the only safe bet is if they cannot produce or reconstitute one.

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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I agree with you that it should be the T&C's from the origional agreement, but that doesn't stop them producing it at a later date. Just trying to look at various angles for the OP.

 

I think maybe the default notice could be something to look at as well

My advice is given through personal experience and is given without prejudice

 

 

If I Have helped please feel free to click the star

:smile:

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