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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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Really need some help however I think it could all be too late


R46
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This is going to turn into a pretty big post and i am sure the spelling and grammer police will have a great time but I will try my best

 

My current situation! Unemployed claiming JSA and have been since October last year, on anti depressants and sleeping tablets (prescribed) for the last 2 year, own 30% share in my flat which I have lived in for almost 2 years

Have debt collection agency's coming out of my ears and owe almost £16000

 

However a lot of these are priority debts which include 3 different council tax bills, rent arrears and all utilities!

 

I have a mortgage and after a court order awarded to the Woolwich/Barclay's in November I have kept up with all payments after falling behind last year but struggling with this alone!

 

My only income is JSA and I know I should of stopped my claim but I have still be getting my working tax credit (not a good thing to be doing I know, but i was scared of not being able to keep up with my court order as I relied on that money even more when I was made unemployed).................. and like an idiot I have not even claimed housing benefit hence the rent arrear's and have done what I always do best and that is just buried my head!

 

My debt's laid out..........I dont have a clue where I am at with any of them as I have so much unopened mail sat about I just cannot muster up the courage to open them for fear of the worst case scenario!

 

Back in November I visited the local CAB to try and get my head around it all and basically all they told me to do was declare myself bankrupt! However they did lay all my debt's out in front of me in a common financial statement summary and made me realise the scale of my ignorance!

 

Here is the basics of that summary:

 

Total monthly income £743.04

 

Monthly Expenditure:

 

Rent - £189.80

Mortgage - £308.05

Council Tax - £100

Mobile Phone - £20

Travel/fuel - £121.83

Housekeeping - £119.17

Other - £16

 

Total - £875.52 which is a -£132.48 deficit a month before attempting to pay any debt's off

 

Debts broken down:

 

Priority debt's:

 

BPHA (Housing association) £758

British Gas (elec) £613.47

British Gas (gas) £538.76

East Cambs DC (CT) £970.69

Hunts DC (CT) £599.90

Hunts DC (CT) £923.58

HMRC £202.53

 

Total Priority Debt's £4607.33 (correct as of 3rd Feb)

 

Non Priority debts:

 

Alliance & Leicester unsecured loan £6864

Barclaycard £1387.22

BT £179.54

Cambridge water company £329.58

DVLA £80

Fed Ex £158.51

HMRC £484.80

Natwest £1852.85

O2 £529.73

 

Total Non-Priority debt £11866.23

 

I have not had any contact with any of these companies or there debt collection agents and have ignored every letter and phone call no matter how persistant they have been! I now know that for some this probably wasnt the best thing to do but my head is so far from with it at the moment I have lterally been moments away from having myself sectioned and my OH is fearful for my health and sanity already as are some of my friends!

 

I cannot see a light at the end of the tunnel and feel that the world and his dog is against me at the moment as my car just failed its MOT and need's 4 new tyres plus front brakes...........almost £400 right there :(

 

Any help and advice much appreciated and f you need to know any more info please dont hesitate to ask! I just didnt know what to and not include in this post and dont really know what's of importance to you guys

 

Kind Regards from a really not in a good place

 

Erran aka R46

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hey

you are not alone

 

can i recommend you read sequenci's excellent blog in my sig

and then ask any further questions you need answering.

 

we are all here to help you

 

dx

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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Hi, and as has already been said, there is plenty of help and advice available here on CAG, and as the saying goes, when you reach rock bottom the only way is up.

 

You have taken the first big step in admiting not only to yourself but to us the 'pickle' you find yourself in and the more you unburden yourself to us, believe it or not you will begin to feel just a tiny bit better, a problem shared is a problem halved.

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You are very definitely not alone. I owe an awful lot more tha you with only a slightly higher income. I'm fighting still. CAB advised me the same 3 years ago, but said don't pay to make yourself bankrupt, wait for one of your creditors to do it.

 

A lot of your non prority debts we could probably get written off with a carefully worded letter. The priority debts are a concern, but you've done really well posting this up and taking the first step to sorting them out. It took me about three years after I'd stopped burying my head to open all those letters and it was actually quite fun believe it or not. You realise the threats the DCA's make then don't carry through coming round and round again.

 

Let me have a think about the best way to tackle your priority debts. Utilitites should not be a problem, housing will depend on your housing associtation, Council Tax could well be a problem - where do you stand in terms of receiving CT benefit? Also HMRC are a definite priority as they have massive powers. However the tax people are usually pretty good as long as you communicate with them - the worst thing you can do is pretend they don't exist.

 

Did CAB do an Income Expenditure from with you? If not, then if you go to the National Debtline site there's a good one on there. This will be a very good starting point as it will give you a clear black and white picture of where you stand.

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Thank you for your speedy and friendly responce dx.........I have however already taken a look at the blog and understand more now about priority debts and non priority debts however my mind is like a sieve at the moment so do need to keep referring back to it! I will definately take another look tomorrow when I am not on such a downer!

I am 31, it is mine and my mrs 2nd year anniversary this weekend and my birthday next weekend and tbh I'd rather just curl up and die at this very moment! I've let it effect my health and mind and it's now effecting my relationship as i'd rather stay at home on my own tonight then be with the woman I love for fear of my stress and anziety causing an argument like it has been the last few months :o(

 

I'm not proud of any of this and dont want to take the easy (ish) way out and go bankrupt, I want to stand up for my actions and pay my dues!

 

I'm in a very deep rut and need to get out of it fast by getting a job! But I am finding all my debt and money worries are stopping me from thinking straight and hindering on my job search/interviews!

 

In an ideal world for me the solution would be a DRO and this is something I need to seriously look into if I can get my debt to below £15000! This would give me the breathing time and space I feel I need to get my head back to where it should be, concentrate on getting a job then in 12months time I would be in a position to start making affordable, suitabe payments!

 

But I fear I have left it too late as all debts are with collection agents/bailiffs

 

Once again many thanks for your reply at such a late hour :)

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Wow and thankyou to you other 2 for managing to reply in the time it took me to make my 2nd post :)

 

It does feel a lot easier being able to talk about it, as even my oh will tell you, I am a bottler, I keep things close to my chest and dont even let her in to the nitty gritty! She does know what's going on and knows the amount of debt, she just does not know how scared I am of it tbh!

 

It's great to know you guys are willing to help me out!

 

Up until now tingy, I have been doing just that and pretending they dont exist! I dont leave the house during the day or if I do its very early and wont return all day, I leave the curtains and windows closed..............its not tha way I want to live my life anymore.

 

I have only today applied for an old job I held a fews back so hopefully it wont even require an interview and I can just walk straight back into it without the pressure of having to actually try and convince someone i'm up for the vacancy! Confidence is so low I couldnt talk my way into anything at the moment lol

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Thank you for your speedy and friendly responce dx.........I have however already taken a look at the blog and understand more now about priority debts and non priority debts however my mind is like a sieve at the moment so do need to keep referring back to it! I will definately take another look tomorrow when I am not on such a downer!

I am 31, it is mine and my mrs 2nd year anniversary this weekend and my birthday next weekend and tbh I'd rather just curl up and die at this very moment! I've let it effect my health and mind and it's now effecting my relationship as i'd rather stay at home on my own tonight then be with the woman I love for fear of my stress and anziety causing an argument like it has been the last few months :o(

 

I'm not proud of any of this and dont want to take the easy (ish) way out and go bankrupt, I want to stand up for my actions and pay my dues!

 

I'm in a very deep rut and need to get out of it fast by getting a job! But I am finding all my debt and money worries are stopping me from thinking straight and hindering on my job search/interviews!

 

In an ideal world for me the solution would be a DRO and this is something I need to seriously look into if I can get my debt to below £15000! This would give me the breathing time and space I feel I need to get my head back to where it should be, concentrate on getting a job then in 12months time I would be in a position to start making affordable, suitabe payments!

 

But I fear I have left it too late as all debts are with collection agents/bailiffs

 

Once again many thanks for your reply at such a late hour :)

dont ever associate dca's with bailiffs they are not bailiffs!

 

reclaiming charges and ppi might help too

 

but pull all your non priority debts out of you mind

 

ctax rent mortgage utilities are your priority

 

and you sum is not very high

 

try +£25k for a start here

 

dx

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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R46, you have taken the first step and admitted you need help and support and you should be proud of that.

 

Have a read of the very first post in the thread linked below.. and dont give up :)

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?296861-For-everyone-who-feels-like-giving-up-Please-read-this-and-take-heart-x&highlight

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