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    • No. The defence is different. Their defence paragraph 2.7, 2.8, 2.9, 2.10 – for the first time makes reference to an alleged term between the Packlink/EVRi contract which apparently specifically excludes the effect of the Contracts (Rights of Third Parties) Act 1999. If this is true then it is very likely that they will have closed that loophole because the 1999 act specifically allows itself to be excluded by an express term within the principal contract I think that you will have to do ask the court to require them to provide evidence by way of presenting their contract and also the date that this new amendment was inserted. I understand that your claim refers to an item which was lost a year or so ago. These give us the date. We would certainly want to know that this amendment predates the date when you first contracted with Packlink to send the item. I would want to say to the court that in the absence of their willingness to confirm with evidence the date that this contractual amendment was made, that the court should assume that this was a recent amendment and was therefore not in force at the time you made your contract. We have third-party defences on this sub- forum which are fairly recent and there has been no mention of this exclusion of the 1999 act. I think we can take it that this is something that they have put together very recently. Secondly, even if they want to exclude your third party rights, it does not absolve them from the negligent handling of your item and in respect of an action for negligence you have first party rights. You don't have to rely on third party rights – although of course, you didn't allege negligence in your original claim. We didn't advise you to do so. Maybe shortsightedly we didn't foresee this contractual amendment. Of course assuming that this contractual amendment is true – although I expect it has only been added recently – what they are saying here is that nobody in the United Kingdom who makes any contract with any parcel delivery company using Packlink will have the right to bring a claim for lost or damaged or even stolen parcels. These people have lost their moral compass. It is shabby treatment of ordinary customers who pay their money and who repose their trust in these parcel delivery companies. No wonder that the Paralegal Children are now ashamed to sign off these documents with their own names. In terms of parcel tracking information – apparently it has been destroyed according to their own data protection policy. That's their business. It's got nothing to do with you and they can't use this to frustrate the six year limitation for bring a breach of contract action or the three-year limitation period for bringing an action in negligence or other tort. There reference once again to the exclusion of the 1999 Act but this time apparently in the contract between you and Packlink – is irrelevant because the exclusion has to be in the commercial contract between Packlink and EVRi – which they have referred to in their paragraph 2.7 et cetera of their defence. I'm assuming that you propose to go ahead with this case. Please let us know when you respond and we will go forward. In the meantime, I suggest that you write a letter to EVRi. Referred to their paragraph 2.7 et cetera and asked them for a copy of the contract and confirmation of the date on which the exclusion of third party rights term was included in it. Tell EVRi that if they do not answer or if they refuse that this will be brought to the attention of the judge. Tell them also that you notice that they say that they have destroyed data in line with their data protection policy. Inform them that they do not appear to have disclosed this data protection policy to their customers. Please will they forward you a copy of it and once again if they failed to respond or if they refuse that you will bring this to the attention of the judge as well. I suggest that you post a draft of the letter here so we can have a look    
    • Good morning dx100UK Could I send the update to you privately? Regards
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Help just lost in court to CL Finance/Howard Cohen


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Oh dear, I wish I could help you further but I'm afraid I'm not a great expert.From the documents you have posted it looks to me like a Tomlin Order was in place which would have dicatated your monthly payments. From the application HC are making, they appear to be suggesting that you have not kept up with the payments under the Tomlin Order, which I think is why you are having the hearing today. Is that correct?

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Hi CM yes that is correct but I did not actually receive any court papers and if you see on the order there are no signatures, they managed to get a payment from me over the phone through constant hasseling. Have I done wrong by paying them some money ???

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I think that generally orders from the Court itself aren't signed, however, the Tomlin Order (or consent order) should have been signed by both yourself and the claimaint or the claimant's representative. A fully signed copy of the order should then have been sent to you by the court. we need to see a copy of the actual Tomlin Order you signed please.

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I can't quite understand how the court are referring to a Tomlin Order when you haven't signed anything?? Even if the documentation was sent to an old address the Tomlin Order couldn't have been approved without your signing it!How did your telephone hearing go? What was raised by the claimant?

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Well CM what is the point ??? I sent a CCA req, a formal request pursuant to s.77 of the consumer credit act and a formal notice of account in dispute and still CL finance and Howard Cohen have WON. Now I just feel like I have been treated so unfairly and Im gutted. Thanks for looking into things for me:evil:

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Just lost my battle with CL Finance/Howard Cohen stitched up to pay joint loan by myself.

I have sent numerous request for CCA and formal req for information pursuant to s.77 and also a formal notice of account in dispute. They have sent me a letter saying they do not have it but still WON in court today. I dont get it PLEASE HELP

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I would have thought somebody could be nailed for stating that you signed a Tomlin Order when you didn't. Alas, I am not the person who can assist in appeals and so on, but I have flagged your thread so hopefully someone with the necessary experience will come and have a look shortly.

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Sleepy, can you go through why you lost, I am intrigued. You say in your previous thread that CL Finance made an application to the court as you had failed to maintain payments on a tomlin order. Did they produce that tomlin order in court. As far as you were aware you did not sign any tomlin order. This is really confusing me. What has the judge ordered you to do now.

 

HH

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Hi HH, I am just as confused, they said there was a signed Tomlin order with the court I did not know as I was not sent any of the paperwork before court except the letters I have put on here. The only thing I can remember signing is a direct debit mandate with them. The judge said they had paperwork there saying I had admitted to an amount of money owing, but what I have just been ordered to pay is double that and more. I requested release of any info they hold on me in Oct last year and have only recieved there letter saying they did not hold the paperwork I was asking for on site but they were in the process of retrieving a copy for me. They confimed in that letter that while my request was outstanding enforcement action would not be taken against me. HUH Then all I have recieved is my court date yesterday and on that I have lost. I was not able to defend what they were saying about me as I did not have the paperwork that the judge and Howard Cohens were referring too.???? HELP

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By the looks of your thread you already have a judgment against you for payment by instalments. Is this correct. I cant see why the claimants would need a tomlin order if they have judgment. You need to get a copy of that from the court office.

 

You say you did not receive the original court papers as you had moved but you did receive the judgment ordering you to pay by instalments. Did you speak to the court about this.

 

Can anyone else help here I am totally confused.

 

From what I can gather, original court papers never received because OP had moved but does receive judgment to pay by instalments. OP ignores this and keeps pressing for original paperwork which in my opinion was too late as judgment already received.

 

Nothing happens for a couple of months and then obviously Howard Cohen apply for what ? I dont know really know as they already have judgment. OP has a telephone hearing in which the judge orders the OP to pay by instalments why - there is already an instalment order in place.

 

I think that is the gist of it.

 

OP can I ask why did you not query the original judgment if you have not received the original court papers.

 

Sorry to ask questions but I find this totally confusing

 

HH

 

HH

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By the looks of your thread you already have a judgment against you for payment by instalments. Is this correct. I cant see why the claimants would need a tomlin order if they have judgment. You need to get a copy of that from the court office.

 

You say you did not receive the original court papers as you had moved but you did receive the judgment ordering you to pay by instalments. Did you speak to the court about this.

 

Can anyone else help here I am totally confused.

 

From what I can gather, original court papers never received because OP had moved but does receive judgment to pay by instalments. OP ignores this and keeps pressing for original paperwork which in my opinion was too late as judgment already received.

 

Nothing happens for a couple of months and then obviously Howard Cohen apply for what ? I dont know really know as they already have judgment. OP has a telephone hearing in which the judge orders the OP to pay by instalments why - there is already an instalment order in place.

 

I think that is the gist of it.

 

OP can I ask why did you not query the original judgment if you have not received the original court papers.

 

Sorry to ask questions but I find this totally confusing

 

HH

 

HH

 

 

We need to see the Tomlin Order/Consent Order as I imagine that it says that the claim be stayed etc and no judgment entered whilst the OP is paying £XX.XX.

 

Once the OP breached Tomlin Order/Consent Order the Claimant had to apply to lift the stay and enter judgment.

 

The Court have lifted the stay and entered judgment so the OP now has a CCJ for £XX.XX per month.

 

If the OP now defaults on the CCJ the Claimant can enforce, whereas they couldn't before as there was no CCJ to enforce.

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Thanks Gannymede. I was totally confused. I thought the OP said they had received an order to pay so much a month but ignored it. I didn't realise it was the tomlin order I thought it was judgment.

 

Op get to the court office and get a copy of the Tomlin Order and post on here.

 

This is crucial.

 

HH

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This was all I received before yesterdays hearing Many Thanks for taking a look for me

 

 

No wonder the DJ knock back the Claimant's application, that is not the correct way to lift the stay and enter judgment.

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