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    • 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   
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      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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latest news...

 

just received documents from citicard in response to my SAR request but this is what was included not a lot.......

1

copy of personal data which just gives name ,address nemployed or not bank acc. etc etc nothing really

2

a letter to them from me dated19/11/04requesting they cancel repayment protection...

3

montly accounts up to 8/5/06. last payment was on statement date 8/sept/05

Thats it no copy of agreement.ie terms and conditions as they state in there accompaning letter that these fall outside the definition 0f perpuses of the data protection act.

similarly . s7 (1) © only require a data controller to provide a copy the information constituting any personal data ,not the actual document on which the personal data is recorded.

 

so ive not got the agreement with terms and conditions so i cannot check if hfo services are entitled to be the way they are.

 

they state that no statements were produced fot this account after may 2006 as the account was sold to hfo..

as stated earlier i did not receive any notification of assignment from citi until hfo contacted me as per my first post on here.

 

so coledog and the others that are helping me, question.

hfo said over £4000 owed but this information shows £2543.68p so i might guess that hfo are trying to add the other £1500 as there charges. ha ha.

what do i do now as i have not had a thing back from hfo , and i have sent them the notice that they failed to provide me with the information i requested in my cca.account under dispute..

help please

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Complain to the OFT, this is completely unreasonable behaviour, they have NOT complied fully with the SAR request and to have sat on this debt for 5 years is way out of line. They are aware of HFO at the moment so your complaint is merited. Also you need to complain to the Information Commissioners Office about the information they have sent in regard to your SAR request, they have not complied and a complaint to them is in order too.

 

They should have sent a statement from when they brought the account showing the interest levied, and letters sent to you about their taking over the account, none of this seems present.

 

IMHO you tell them to get knotted.

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i have just looked at hfo 72 hour letter it states citicard and the account number and is for just over £4000 so it is there interest ie the £1500 .but this is not valid is it cos even today ive not had a notice of assignment.

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The SAR is pretty standard for Citi actually you will not get much more out of them. Did the covering letter say anything about them not retaining documents or some such rubbish? Did they say who the account was sold to and when? They are very unlikely to have an application form or credit agreement or will not reveal it if they have. Read some of the threads on the Citi forum about why they have not retained documents. What they are trying to say is that they will not cobble together a re-con agreement, basically sets of T and Cs, which they would have to do if you sent them a CCA request but they may do this for HFO in response to your CCA request to them.

 

Have you sent HFO the 'Account in Dispute' letter yet? This is very important and will stop them sending you letters.

 

You are correct about the HFO 'interest' added, it is very unlikely that they can justify this.

Please support CAG and they will support you.

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coledog

citi do not mention not retained documents .

no they only state there were no statements produced for this account after may 2006 as the account was sold to hfo......

no date it was sold.

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You will have to wait the full 40 days from making the SAR request to see if they send anything else. If not, you can write and ask them for anything else and put the pressure on.

 

Did it just say it was sold to 'HFO', what exactly was the wording?

Please support CAG and they will support you.

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  • 2 weeks later...

i have just received from hfo a so called copy of my agreement with citicard, it appears to be 2 copies one 11 pages long the other 12 pages, but it has no dates on it and no signature, so it could have been cobbled together last week. and it says a lot but at the same time tells me nothing.

i have no dates it went in default no amounts, and haw do they get £4000 when citicard statements show £2500. what do i do now. please help

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i have received e-mail from the oft concerning my complaint to them about hfo services it was a form to sign to give the oft to use it against them.

i have given them my permission.

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the agreement is a 'recon' send them this, recorded do not sign

 

Address

 

Date

 

Dear sir/madam

 

I acknowledge no debt to your company.

 

Thank you for your response to my request under the Consumer Credit Act section 78.

 

As you have forwarded a reconstituted agreement, you will need to confirm that you have the original signed Agreement, and in what form, ie microfiche, together with the reason this has not been sent at this request.

 

I consider that this account is still in dispute.

 

As you must realise this agreement does not conform to sections 60(1) and 61(1) of the Consumer Credit Act 1974 and would therefore only be enforceable by a court under s65. However, the absence of any personal details and signature means that a court would be prevented from enforcing it under s127(3).

 

I am granting to you a further 21 days to produce a copy of an executable agreement. After that I will consider that the above account is closed and that you will no longer pursue the alleged debt.

 

After this period you should close the file and cease processing any personal data relating to me on this matter.

 

Yours faithfully

Please support CAG and they will support you.

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  • 2 months later...

Hi

Welcome to The Consumer Action Group.

 

 

I am just letting you know that as you haven't had any replies to your post yet, it might be better if you post your message again in an appropriate sub-forum. You will get lots of help there.

 

Also take some time to read around the forum and get used to the layout. It is a big forum and takes a lot of getting used to.

 

 

Once you start to find your way, you will soon realise that it is fairly easy to get round and to get the help you need.

 

It can be bit confusing at first.

Please be advised that my time will be limited for the next few weeks.Thanks for your understanding.

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  • 1 month later...

the letter hfo have sent me ie the noa is dated 20th march 2006 but this is the first i have known of it.

there is no terms and conditions attached.

they have sent another letter with it it states

please be advised that monument do not provide copies of the original agreement, only provide copies of the reply card which holds your personal details, and signature to which show you agree for the monument account.....

the reply card card they refer to does not mention monument it is a request for a credit card on 21/06/04 and was supposedly returned to me with barclays stamped over it and dated 23/july 2004. but no terms and conditions.

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First thing is to find out the last payment, phone no for Barclaycard is 0844 556 0066, you also need to ask on what date the account was sold and to who.

US President Barack Obama referred to Ugland House as the biggest building in the world or the biggest tax SCA* in the world.

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well nearly stat barred, you should still phone to confirm this, I bet the sale date is different to what is on the NoA, don,t forget that NoA was produced by HFO.........

Edited by broken arrow

US President Barack Obama referred to Ugland House as the biggest building in the world or the biggest tax SCA* in the world.

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r hfo allowed to charge there high interest after they sit on an account for over 5 years with no correspondence to you .

 

Only once they have given notice, hence the back dated notice.

US President Barack Obama referred to Ugland House as the biggest building in the world or the biggest tax SCA* in the world.

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