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    • 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.
    • you should email contact OCMC immediately and say you want an in person hearing.   stupid to not
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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.

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      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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Lowell -help needed URGENT-BANKRUPTCY PETITION NOW FILED


RDRR
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What did you write in your defence ?

I can quote it in full if you'd prefer, but it was basically...

 

  • Debt is in dispute due to default on CCA request
  • Lowells are using the insolvency act to circumvent the provisions of the consumer credit act
  • No default notices received
  • No statements provided

I didn't mention the lack of a notice of assignment, as even though I don't recall receiving one I was wary of swearing to this as I can't be absolutely sure.

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I think you are right about the judges attitude.

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OK....well I just re-read your thread and I would send Barclaycard a Letter Before Action as they haven't complied fully with your SAR request as they didn't provide the agreement - you can find an example here - http://www.consumeractiongroup.co.uk/forum/showthread.php?178660 This could be crucial. Did you include the high court cases in your defence esecially so as there are loads of cases where the dispute is major and despite 'owing' the money it just wasn't enforceable....ridiculous, no consistency in judges at all...

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Does this judgement mean that Lowlife can keep demanding but court action will not be appropriate?

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Thanks, I'll take a look at the 'letter before action' possibility. I briefly mentioned penalty charges in point 4 (see below), and there shouldn't be any PPI on the account. The judge said it wasn't necessary for the amount claimed in the SD to entirely accurate.

 

She mentioned a couple of cases to back up her opinion, including Tesco v Rankine.

 

It's possible (probable) my defence wasn't all it could have been, but I'm new to this and am doing my best... :-)

 

The defence in full was...

 

I do not admit the debt because:

 

1. The debt is in dispute. The creditor has defaulted under section 78 of the Consumer Credit Act

1974 for failing to provide a copy of the alleged agreement on request within the prescribed period.

The prescribed period as stated in SI 1983/1569 Consumer Credit (Prescribed Periods for Giving

Information) Regulations 1983 is 12 working days. Under the provisions of s78 (6), the creditor is

not entitled to enforce the alleged agreement while this default continues.

My request under s78 of the Consumer Credit Act 1974 was sent to Lowell Portfolio 1 Ltd on March

17 2011 and received and signed for on March 18 2011. At this present date (April 7 2011), Lowell

Portfolio 1 Ltd have failed to comply with the request made, and are therefore in default as stated

above

 

2. And further that the alleged creditor is bringing a claim under the Insolvency Act 1986 in order to

circumvent the lawful prohibitions placed upon him by the Consumer Credit Act 1974.

 

3. The alleged creditor has provided no Default Notices in accordance with the Consumer Credit Act

1974 which states that in order for it to be valid; the Default Notice must be in the prescribed

manner and be correct.

Notwithstanding the above, it is also drawn to the courts attention that no Default Notices required

by s87 (1) Consumer Credit act 1974 have been attached to the petition.It is denied that any

Default Notices in the prescribed format were ever received and the Defendant puts the Claimant to

strict proof that said documents in the prescribed format were delivered to the defendant

 

4. The defendant has not been provided with any statements for the duration of the alleged

agreement (it not being uncommon that some debts are made up entirely of charges)

 

I gracefully request -

The Judge dismisses the demand on the above evidence.

The Judge order the claimant to delete all adverse information held on my credit files.

The Judge orders the claimant to pay my full costs in light of the distress and damage to my family

and to make an indemnity award

 

In support of this request, I would also like to refer the court’s attention to the authority of the High Court in

the case of:-

 

Hammonds (a firm) v Pro-Fit USA Ltd [2007] EWHC 1998 (Ch)

In this case, Mr Justice Warren confirmed that it was usual for an indemnity award to be made:-

27. So far as disputed debts are concerned, the practice of the court is not to allow the insolvency regime to

be used as a method of debt collection where there is a bona fide and substantial dispute as to the debt.

Save in exceptional cases, the court will dismiss a petition based on such a debt (usually with an indemnity

costs order against the petitioner).

 

I believe the facts herewith in this form are true.

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I would hazard a guess that in most courts that would be a more than adequate submission to achieve set aside this from person observation of such actions

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I think you were very unlucky with the judge :(

 

My defence against 1st Cretins was similar and the judge set it aside with no problem and awarded me costs. It really is about time the judges in this country all sang from the same hymn sheet, its getting beyond ridiculous.

 

Surely if the judge says they can't enforce without an agreement then they can't make you bankrupt without one either, thereby making the SD pointless?

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I wonder if it would be possible to challenge this judgement as reading it again it is contradictory.

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I wonder if it would be possible to challenge this judgement as reading it again it is contradictory.

I wouldn't imagine so, and bear in mind you're relying on my memory for what the judge actually said during the hearing. However I don't think I've misrepresented anything.

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Are there transcripts of the hearing kept and made available as in other types of court trials/hearings?

I am sure that the judge has more than just notes made by hand during the hearing as He/She has to write a narrative judgement.

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She recorded the hearing, but I don't know if it'd possible to get a transcript.

 

I'm not really interested in attempting to challenge the judgement as it seems pretty futile. I'm more interested in discussing my next move,and that is likely to be a 'letter before action' to Barclaycard. I'll trawl through their original SAR response again to see exactly what was included, but I'm absolutely certain there was no agreement.

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IMHO I think you will need some evidence from the hearing to give a basis for any further action I bow to those who may have more insight and knowledge on this.

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Sorry to hear your news RDRR. I guess that is what worries OH that you are down to the luck of which judge you happen to get.

 

So if we went ahead with our set aside (in simular circumstances to yourself), if we lost as you did (sorry about that) does it just mean the clock starts again on the SD with the possible bankcrupcy to follow etc, OR does it mean the SD becomes instantly in place and they can proceed to attempt bankcrupcy?

 

hope you have further options RDRR.

GOOD LUCK

 

ali x

Edited by alibobsy

Btw I am no expert just give notes based on what I have read on here and other forums/sites, plus my own experiences and investigations.

 

All ccj's now dropped off file, 2 yrs to go to clear file.

All old debts either settled or made unenforcable.

 

RBS MPP-Full offer at 8 wks from first complaint

RBS Overdraft loanguard-full offer at 8 wks from complaint

Citicard ppi-with FOS finally paid 8 months after offer through FOS!

Capital one x2- with FOS

Monument ppi-with FOS

aqua x2 ppi-partialled settled still pushing for the rest

Black horse ppi-offers made and accepted except for one early loan they say no info held-still pushing for payment

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Exactly if he judge has said it would not succeed with out the CCA what is the point.

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  • 2 weeks later...
If you have failed to get the SD set aside then the creditor can apply at any time for a bankruptcy order. However. I would suggest that it is unlikely unless it is for a large sum and you have a large amount of equity in your home.

 

The total figure is around 2k ish (don't want to give away too much info) so relatively low in the grand scheme of things- only one "account" would be above the £750 level. But there is some equity in the house. Prices have fallen and I would guess if sold at auction then costs and the mortgages off they might struggle to get anything. But on paper they may well see it as in equity.

 

What are the costs to petition for bankcruptcy? If they are about the figure asked for it would seem crazy for them to go for it.

 

ali x

Btw I am no expert just give notes based on what I have read on here and other forums/sites, plus my own experiences and investigations.

 

All ccj's now dropped off file, 2 yrs to go to clear file.

All old debts either settled or made unenforcable.

 

RBS MPP-Full offer at 8 wks from first complaint

RBS Overdraft loanguard-full offer at 8 wks from complaint

Citicard ppi-with FOS finally paid 8 months after offer through FOS!

Capital one x2- with FOS

Monument ppi-with FOS

aqua x2 ppi-partialled settled still pushing for the rest

Black horse ppi-offers made and accepted except for one early loan they say no info held-still pushing for payment

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Can I just confirm if a DCA apply for bankcruptcy they will have to produce a valid agreement in the same way they would for a CCJ. Giving you time/method to defend?

 

ali x

Btw I am no expert just give notes based on what I have read on here and other forums/sites, plus my own experiences and investigations.

 

All ccj's now dropped off file, 2 yrs to go to clear file.

All old debts either settled or made unenforcable.

 

RBS MPP-Full offer at 8 wks from first complaint

RBS Overdraft loanguard-full offer at 8 wks from complaint

Citicard ppi-with FOS finally paid 8 months after offer through FOS!

Capital one x2- with FOS

Monument ppi-with FOS

aqua x2 ppi-partialled settled still pushing for the rest

Black horse ppi-offers made and accepted except for one early loan they say no info held-still pushing for payment

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I think they must be able to prove the debt beyond doubt.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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  • 2 months later...

OK, this reared it's ugly head again in the post this morning, in the shape of a notice from the Land Registry that my address is involved in a bankruptcy petition.This comes as something of a shock, to say the least, as I have heard nothing from either Lowells or the court since the SD set-aside fiasco.

 

The state of play is that I didn't send a 'notice before action' to Barclaycard, as suggested above, as soon after the failed SD set aside Lowells sent me a load of copy statements and a copy of the original agreement (such as it is). I have scanned the agreement and put it on photocucket, here:

 

http://i1192.photobucket.com/albums/aa339/rdrr1/bc_cca/barclaycard_ccacopy3.jpg

 

This is just to give people an idea of what it looks like, as none of the important stuff is legible even on the original. It looks like it has been taken from a microfiche or similar, and is actually the application form. The dark boxes on the right hand side, to do with the Consumer Credit Act, are completely illegible other than my signature and the date. I have a high resolution scan if anyone wants it, but it probably won't help you any more than what is there already.

 

So my question is, how worried should I be and where do I go from here? From everything I have read on the matter I can't see how this 'agreement' is enforceable. However my confidence in the courts, especially this court, to do the expected/right thing has been severely dented by the refusal to set aside the SD. I'm obviously terrified of going bankrupt, but am not in a position to pay the outstanding alleged debt in full (approx £7K).

 

I'm also worried about how far through the process things may have already travelled without my knowledge, given my first indication of this stage was from the Land Registry.

 

Help please!

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That is not an agreement, as you say, application forms have been accepted as

proof of debts as long as all the personal details and prescribe text,

and signatures are in place, and with statements connected to the

account showing activity.

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Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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Poop sorry about that RD, to be honest after taking further legal advice and reading dozens of threads on here and other forums, we decided we couldn't take the risk of them making us bankrupt and negotiated f & f's (so at least we didn't have to settle the whole figure). But our total debt was closer to 2k not 7k. We were adviced that bankruptcy courts would take very little not as to contract issues ie if the agreement is enforceable or not and may well take the application form and statements as enough proof that the debt exists.

 

I have seen threads on other forums that suggest Lowell and some of the others are starting to actually go through with bankruptcies.

So although the advice on here to either ignore SD's or try for a set aside (not guaranteed by any means), if you have equity or on paper possible equity I believe this is a risky strategy. I would have preferred not to pay the blood suckers anything, but we weighed up the risks and that was the best route for us.

 

I assume some of the bods on here can tell you if that doc is real RD and can advice you, we ducked out before that stage so can't say, I wonder if they may still be open to offers? Hate to say it but you may need to consult with a real life lawyer at this stage.

 

How much of an issue would bankruptcy be for you RD, we are getting sorted and all our current bills are up to date and we have a mortgaged house and 4 kids, plus within 2-3 years our credit file will be completely clear for both of us so us it would have been a big deal for us for OH to be forced into bankruptcy, but for someone without equity or renting with little or no capital/assets and in a mess with finances then it could be a blessing in disguise.

 

Good luck Rd whatever you decide to do.

 

Ali x

Btw I am no expert just give notes based on what I have read on here and other forums/sites, plus my own experiences and investigations.

 

All ccj's now dropped off file, 2 yrs to go to clear file.

All old debts either settled or made unenforcable.

 

RBS MPP-Full offer at 8 wks from first complaint

RBS Overdraft loanguard-full offer at 8 wks from complaint

Citicard ppi-with FOS finally paid 8 months after offer through FOS!

Capital one x2- with FOS

Monument ppi-with FOS

aqua x2 ppi-partialled settled still pushing for the rest

Black horse ppi-offers made and accepted except for one early loan they say no info held-still pushing for payment

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Nothing new in the post today. What should I be expecting, i.e. what form would a bankruptcy petition take? Does it have to be served personally, in the same way as a statutory demand?

 

I'm probably going to seek the advice of a solicitor, but any help from your good selves would be much appreciated.

 

Thanks also for the title change mods :-)

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