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    • Any chance of some advice with filling in the N164 please?    I've sent an EX107 to the Court to request transcript of the Judgment to use in an appeal but the Courts still haven't actioned this and my 21 days expires on Tuesday
    • 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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    • 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.

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Debt_mountain vs Cabot


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Update CFC!

 

I am awaiting the revised defence and advised messers Hodson that should it not address my concerns re mediation I will be asking the judge to pull it back to court ASAP.

 

Today got a Mr D Spencer email saying

 

- I should be receiving 2 agreements and proof of the assignement "I am arranging for the relevent evidential parts of the acquisition documents to be provided. " in the next few days. "The agreement copies are not good". (Aw, not legible, not much use then.)

- The revised defense is about to be sent ((I can't wait to see what it says this time).

- another agreement does not exists. (Oh dear!!)

- no reference to the last account that they allege has an outstanding balance on it (I am guessing it don't exist either....aw)

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well, got the agreements today. 1 is almost black paper can't read anything other than my signature. The 2nd is still illegible.

 

They sent a copy of statements but not sure what that relates to hopefully not proof of assignment as promised. oops.

 

Anyway a good day, I was in court in Scotland with Nationwide for 7 year old charges plus stop sharing my data and they say they have paid up the £700 + fees. Judge not happy when I said they hadn't and laos hadn't stopped sharing my info so they have 2 weeks to sort it out. Plus when I nipped home for luunch a cheque for £600 from Blackhorse was their too. so a good day all in. Info in my other threads.

 

sing along to the tune of here we go here we go....

tenerife, tenerife, tenerife

tenerife, tenerife, tenereeeefe

tenerife, tenerife, tenereeeeeee eefe

tenerife, tener eefe

tenerife!:D

 

 

DM

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I got an email from Mr Spencer today saying that "further information/comment" is in the post tonight and the defence (due in court and to me tomorrow) should be with us soon.......

 

Can't wait, like a kid at christmas.

 

Plus I got confirmation of another full payout from Blackhorse today for my 2nd of 3 claims against them. Each 1 is paid + 8% plus my "exemplary credit history" woohoo!!!

 

No 3 has been faxed off to them today. Expecting a reply tomorrow say cheque is in the post.

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You are becoming the master DM well done.

At the time when I started the cases it was costing me a fortune in court fees but now they are all coming to conclusion at a similar time it is great.

 

I have 2 large s32 claim in June so preping for them at the moment, Clydesdale and HBOS.

 

I do need to be careful when I have to go to court and not act too cocky, as I guess Mr Judge may not take too kindly to that.

 

All I have on my credit file now are 4 defaults for Cabot (1 is still in BOS name) and 2 others from BOS.

 

None of which have agreements that are legible so it should only be a matter of time. Then I can get on with living again...oh and helping others on the site.

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s32 is the section in the limitation act forchares over 6 years old and the banks are claiming are statute barred, but in s32 there is a clause about concealment that lows their statute barring out of the water.

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Got another email from Mr S saying they have obtained a copy of the BOS agreement!!! wow, wonder if it is the say application form HBOS sent me with my SAR....shame for Cabot if it is and a shame for HBOS if it isn't.

 

Plus the defence is not yet ready, should get it tomorrow.

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Todays update.

 

HBOS agreements is actually an application form which I had already.

 

I was asked for details of what I would require to settle this claim. I have provided this and just need to wait and see what they say.

 

Then I was asked if they could have a further 7 days (exc) bank holiday Monday as the defence was not ready. shoulf have been in today.

 

Lets wait and see but in summary

 

1 - There is no legible document signed by us giving permission to share our personal data. No evidence for their defence.

2 - CCA failure so Cabot are in default and would have to obtain a court order to try to collect on this alleged outstanding debt. No agreement has yet been provided.

3. The damages claimed were for the financial damage caused by the incorrect sharing of our personal data but I would accept this figure to settle early and save further time and money.

Back over to Cabot.

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  • 3 weeks later...

I got my 10 page ammended defence from Mr S last week.

 

The key paragraph to me is

 

" The Defendant is not able to admit or to deny whether the agreements between

the Claimants and the lenders in relation to the accounts referred to above

contained terms that the disclosure of personal data would only extend, in each

case, to the end of the contract. The lenders have not provided the Defendant,

the assignee or Cabot Financial (Europe) Limited with copies of the

agreements in which terms relating to disclosure of personal data are fully

legible."

and with this in mind and that we have a hearing date in August to allow us to mediate I have now contacted the court and told them mediation is no longer an option as Cabot are obviously not dealing responsibly with my claim and can we move it forward to the next available court slot.

In the above paragraph they have now admitted that they have no written proof, they are also misleading the court by referring to agreements when the documents they have sent to me are application forms.

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One has to ask why, in their defence, they are compromising themselves????

 

I am REALLY confused now. :D

That is why I am asking it to got to court ASAP. They are basically agreeing with my original claim that they have no authority to share my details.

 

The rights and duties is another thing they can't agree about Dean Spencer said in letter to me "From the Standard Terms and Conditions Marks & Spencer have the right to transfer the debt and consequently all the rights and obligations pass to the assignee" but in the amended defence Paragraph x s3 WW said "although the rights of the creditor under each of the accounts referred to above have been assigned to the assignee, the duties of the creditor have not"

So which is it......:D

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You don't have to post to subscribe to a thread, if we all did that the place would be full of blank posts :D . Just go to the ' Thread Tool ' at the top of the page you wish to subscribe to and click on ' subscribe to this thread '. Only someone from Cabot would do that !

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Well I have now drafted my response to their defence and even if I do say so myself it is a fine job with the assistance of my Cabot buddies.

 

Some gapping mistruths that they had said in the ammended defence and a few cracking quotes.

 

I will be posting this to them early next week once I have checked out a few things.

 

I have also sent a request to each of the OCs for the debts to provide some info about the handover of the debt to cabot.

 

I have also followed up some of the junk in my credit file about this stuff and you can see the progress as I make it on my experian/equifax threads.

 

I am also waiting for a few relies from Dean Spencer or is if dean.spencer now??? which will assist the progress of my claim.

 

In the defence WW was trying a few tactics to catch me out ( I assume he meant it ) but I have responded to them in the manner they deserve and also grassed them up to the Judge in the process.

 

As said before I am really really enjoying myself, roll on the next court date.

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Well, I have now sent a fax to each of the 4 OCs asking them why Cabot are saying the OC still has the duties? and would they like to join the list of defendants for my case?

 

I axed this to each of them.

 

 

Dear OC

 

I am just following up on the rights and duties fax I sent on the 23rd May 2007, as I am currently in litigation with Cabot and in their defence Cabot are making a bold statement that implies [OC] Money, who allegedly sold them the debt, are still liable for part of my claim.

 

In the defence Cabot are stating

 

"It is not admitted that the assignee was or is the creditor under any agreement with the Claimants. Section 189(1) of the 1974 Act provides that unless the context otherwise requires, '"creditor' means the person providing credit under a consumer credit agreement or the person to whom his rights and duties under the agreement have passed by assignment or operation of law".

No credit has been under any agreement between the assignee and the Claimants, or either of them, and, although the rights of the creditor under each of the accounts referred to above have been assigned to the assignee, the duties of the creditor have not passed to the assignee by assignment, by operation of law, or at all."

 

Can you please follow up what [OC]'s position is as it may be necessary for me to ask the court to include [OC] as a further defendant in my claim with Cabot.

 

So can you, with some urgency, as the next review by the court is on the 6th June and at that point I will be asking for [OC]'s, addition as a defendant.

Yours DM

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