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    • Hey,  I've messaged my husband but he is not contactable while he is in work. As soon as he is on his way home I will find out which finance company we used. I'm so sorry, I just don't know.
    • Okay, I have read your claim form. A pity you didn't come to us earlier. You haven't pleaded any legal basis for your claim and you haven't cited the Contracts (Rights of Third Parties Act. How long have you been aware of this forum? We will have to bring that out later when you do your witness statement. Once again, do the reading very carefully. I suggest that you wait until Monday before coming back here and confirming that you have read everything. And in particular, as I have indicated, read the thread which I posted above very carefully and in particular we the details of the contractual terms which were discovered and get a copy for yourself. Post a link to them in this thread as well for other people to see. They are relying on the fact that you don't have a direct contract with them and they are referring to a contractual term which is apparently in the contract between them and Packlink which specifically excludes third parties. You will definitely want to see this. They have tried to rely on this before but they have never produced the contract. In your witness statement you will have to request that they produced the contract in court. In terms of the mediation, frankly we would have advised you to decline mediation. It's all done secretively. Nothing is ever revealed and of course they will try to get you to compromise on the amount of money you are claiming. We would strenuously suggest that you don't give up a single penny. Do the reading that I have suggested, find the details of the contract which I have told you about which accepts direct liability to you, the customer – and post it here.
    • If there is no reply to the "nasty" mail in 48 hours, then please come back here and we can assess what to do.
    • In particular, read this thread carefully. it is a very long thread but be patient with it. Eventually you will come to the witness statement and also had a point where it was discovered that Packlink's terms and conditions make it clear that Evri have a direct responsibility to the claimant and the judge awarded full judgement to the claimant on that basis. We have applied for the transcript but it will probably take six weeks or so. If you're mediation fails and you go to trial then I'm sure that the transcript will be available for you. It puts an end to the claim by Evri that you should claim against Packlink and it puts an end to any need to rely on the Contracts (Rights of Third Parties) Act 1999
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      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.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse 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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Capital Finance One (CFO)


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I see what asmilecostnothing is saying, it's that perfect world thing, in an ideal world, CFO would get slapped down hard for their behaviour, in reality, they are getting away with it, yes we are all sending off our complaints, but this all takes time, and in the meantime, they are making peoples lives a misery.

 

I have not heard of one person on here getting anywhere with them. I myself have had numerous issues, ringin me at work etc, stopped that after my email though, now we just trade insults by email, I await their dogs , am actually looking forward to having a go at them, they deserve it. But for others, I know it will cause upset, which is wrong.

I shall just keep coercing them and giving them rope to hang themselves with , then use it all against them if I need to.

I may not have the legal knowledge yet, but I learn fast and I don't like to lose.

 

Sillygirl, you give out a lot of good advice on here, have used a few of your words already, thanks, keep em coming.

looks like I might need some advice off you soon, looks like CFO are still taking money out my A&L account, I left a balance of 31p , they have paid a £15 an a £25 card payment, even though I havent got a card, woman on the phone said they can't stop it if it is a rolling payment. my guess is its CFO

 

 

just come off the phone from cons direct and debt line, who seem to think I can do nothing about the charges as they are in the contract, very confusing, going to ring TS later, see what they say, need to close A&L asap , then I thnk its worth looking into claiming back all the money A&L stole off me in charges.

Edited by ksmiggy
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Do you think I should worry? I guess at least now I can go to the FOS a lot quicker! although they do make it sound like their practically in bed with the FOS!

Dear xxxx

I will repeat to you again what I have said to you daily. Yes thats how bad I've been trying to communicate with them ! You account will go through our Normal Debt collections. Your account was not paid on Due date and as such contractual fines and Fees will be applied to the account. Our position remains the same and I suggest we let the Financial Ombudsman deal with this as they have a greater understanding of financial issues. You didn’t pay your loan on time. You haven’t paid what is owed and the account is in Default. Therefore as per your legally signed contract we go through our normal debt recoveries action until the balance is cleared. This includes late payment fees.

That is again the same as before our final response on the issue.

I await contact from the Financial Ombudsman Service who we work closely with to look into this and make their own decision in regards to your overdue account which you haven’t paid. correction the overdue is their fines and penalties!

I am sure they will be able to come up with a suitable solution

Regards

Happy to share my experience but for your own protection, please check and double check what myself and other Caggers inform

...

“Nothing in this world can take the place of persistence.”

 

:-)

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They won't respond to my email now either, their website terms & conditions also state 36%, typo or not. It also says £25 for every letter, I've not received any letters - when I challenged them on that their response was "If you have not received our letters you have received our emails all at a cost" - hang on, £25 per email? I don't think so. Also, I don't know about you guys but they didn't provide me with a copy of my agreement... Despite the fact they've already taken £228 - they still say "We will help you out but you need to pay us the £139 you owe us" - considering a county court only allow us to add 8% interest - I'm pretty sure they'd have something to say £228 interest charges accrued over 2 month... This really is daylight robbery, I've changed my bank account details and now I'm receiving texts stating I owe them £178... What a complete joke! I would love to hear from someone who has challenged this company to the very end! I will be happy to deal with their doorstop collectors too, if they get involved them or a county court.

 

 

I would advise you to take screenshots of their entire terms and conditions before they change them.

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Dear In-Trouble

 

Can you please tell me what there sort code and account no is so I can set up a standing order. I have just cancelled my card of which they took £75 from even though I didnt give them the details. I am going to pay them £25 a month till I have paid one month plus interest and thats all they will be getting. Does anyone know what there sister companies are as all the bank have said is that I must of given my bank details to one of them which I definately havent.

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Hi roxy2010,

 

Here you go - bank details for Capital Finance One which is on all the email threat-o-grams...they do send

If you would prefer to transfer the funds directly into our account, or pay in the cash over the counter at your bank please use the following details.

Our Bank : NatWest

Account Name : Capital Finance One

Account Number: 14203995

Sort Code: 60-18-01

Good luck - They will persue you for more then one month plus interest as I am finding out and will try telling you that your payments take 10 days to show! :shock: because obvs they don't like not having the full control of your bank card - definately ignore the site they will prompt you with to 'set up a payment plan' - it is just another snare to obtain your details

I am going to get those other names they like to go under and post that on here too for you

Happy to share my experience but for your own protection, please check and double check what myself and other Caggers inform

...

“Nothing in this world can take the place of persistence.”

 

:-)

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Watch out for

 

Paydaycredit.co.uk

I'm sure there is possibly another

 

Could also have been some connection to James Keeble Loans as the CEO is James Keeble funnily enough - but this company is now disolved/wound up anyhow

 

In general to protect yourself fully - never ever take out another payday loan - it just isn't worth it hun x

so many seem to operate under lots of different names

Edited by asmilecostsnothing
typo!

Happy to share my experience but for your own protection, please check and double check what myself and other Caggers inform

...

“Nothing in this world can take the place of persistence.”

 

:-)

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Hi asmilecostsnothing

 

I have now got another card from the bank. If I set up a standing order will they be able to get my new debit card details from this not that I am paranoid or anything just dont want them taking anymore money from my account thanks for your replys much appreciated.

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Yes that is what I would have said. :-)

 

Anyone on here already had their a/c passed to Daniels Silverman from CFO?

Happy to share my experience but for your own protection, please check and double check what myself and other Caggers inform

...

“Nothing in this world can take the place of persistence.”

 

:-)

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Hi asmilecostsnothing

 

Yes my account has supposedly been passed to them. I am still waiting for a breakdown of their charges which they were supposed to send me four weeks ago not heard a dicky bird from them since only the money that was taken from my account.

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Hi Roxy2010,

 

That is still bad, did you get the money back? do you still heard from Capital Finance One? admittely I've not heard anything either from D.S and it's been nearly a whole week now, absolutely no letters from them or even emails and text messages from CFO! (watch it probably tempting fate now! lol!! hmmm :!:) I've decided let them take me to court even the lady at National Debtline said that, have already prepared 'debt in dispute letter' and will get it to them quicker than their 7 day action notice!

 

Anyway god bless you thanks for answering, here's hoping we'll all come through and a certain company will get their comeuppance - though why and how they have got away in the past with their antics is beyond me.

 

x

Happy to share my experience but for your own protection, please check and double check what myself and other Caggers inform

...

“Nothing in this world can take the place of persistence.”

 

:-)

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