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    • Embracing your unique selfView the full article
    • Hearing held today in court. I attended in person and Evri had an advocate attend on their behalf to defend their position that my contract is with Packlink and not with them. I also provided a copy of Evri's terms and conditions which explains that a contract is entered into when a parcel is sent with Evri. The judge pointed this out to the Advocate and agreed there is a contract between me and Evri under the Ts and Cs. The judge explained that while Packlink are responsible for organising the delivery of the item, it is Evri who are responsible for handling the goods and delivering them, and therefor Evri has a responsibility to handle the goods with reasonable care and skill. So am pleased to say the judge found in my favour. Hearing lasted about 75mins. Evri has been ordered to make payment within 21 days. Also nice to meet @jk2054 in person.
    • Good morning,    I just wanted to update you on the situation.    I have visits piling up with my current employment and they need doing before I finish at the end of this month.  I am moving to Wiltshire in 3 weeks for a new job helping care homes with their Dementia patients. I tried to work it out and at a guess I will be doing about 20-25,000 miles a year. So need a vehicle that can cope with that mileage, my old car would have done it easy but 🤷‍♂️ I have taken out a loan and got a friend to find me a reliable car that can cope with the miles and hasn't been written off in the past.   I phoned Adrian flux to see if I could use the last months insurance on a new car I have bought, the girl I spoke to phoned Markerstudy and asked them but they said no, my new car doesn't have any modifications.    I had an email from someone who saw one of my appeals for information, they live near the site of the accident and know a nearby farmer who has a security camera at his entrance that catches the traffic and specifically registration plates as he has been robbed before. They said they would reach out for me and see if he still has the data. Unfortunately it wont catch the scene of the crash.   The Police phoned me and said they were closing the report I made, even if they found footage of the vehicle at the time I said the actual incident would be my word vs theirs.  My first response was I am sure google maps would show that they turned around at that location which would verify my version of events, but upon reflection I do understand, I have seen people doing make up with both hands while driving, eating from a bowl steering with their knees and veering all over the place. I am sure some of these people go off the road and claim that someone forced them off.    Markerstudy phoned me yesterday to say that my car is now at Copart, the £80 tank of Vpower diesel was emptied on entry to the site for safety reasons, which I get but it sucks.  It is awaiting being assessed and shouldn't be too long, which is a relief.  I am really glad things do not seem to be going the way of the other stories and they seem to moving quickly.   However I was informed that my car was a structural write off before I bought it - this destroyed me, I was almost sick.  and this is going to affect any offer of money - after hearing the first statement this didn't affect me.   They need to wait for the assessor to check it over but it is highly likely to be written off and the maximum they can offer is £2300.  I was desperate for a car as I was working for an agency at the time, no work no pay, and did not do a vehicle check because I didn't know about them.  The seller did not tell me that it had been structurally written off, he told me that it had the front wing damaged while parked and was repaired at an approved repairer.  Markerstudy records state that it was sold at auction, no record of repair at an approved repairer.  I bought it bank transfer with hand written receipt.    It gets worse.    It turns out my airbags should of gone off. For some reason they are not working. I think we can figure out why.  If I had hit that car head on and had no airbags.    Some good news.    I can arrange a time with Copart to go and take my stereo equipment and any personal items that are left in the car only. I cant live without music and need quality sound, my speakers and amps are Hertz and JLaudio, (no I am not a boy racer with booming subs, I am an audiophile on a budget) I was really worried I wouldn't get them back so this is a huge relief for me. It is stuff I have built up over years of saving and collecting. Everything to do with the vehicle and mods I have declared need to stay to be assessed.   The accident has gone as a fault on my record, I have to remove 2 years NCB which means I still have some to declare which is good.  So it appears at this point that it may be resolved quickly, not in the way I was hoping, but not as bad as I presumed it was going to be based upon that tow truck drivers attitude and behaviour and the horror stories I read.   I am not going to buy the car back and try to make money with all the parts on it, I don't have the time or energy.   I may need an xray on my back and neck.  The whole situation has left me feeling physically sick, drained and I need it done.   The lesson learnt from this  -  My conscience is 100% clear, my attitude to safety and strong sense of personal responsibility - A rated tyres even if on credit card, brake fluid flush every year, regular checks of pads and discs, bushes etc, made avoiding what I believed to be a certain broadside collision possible.   Get a dashcam (searching now for the best I can afford at the moment)  -  Research your insurance company before you buy  -  Pay for total car check before you go and see a car and take someone with you if you are not confident in your ability to assess a vehicle.      Thank you to everyone here who volunteers their time, energy and information, it is greatly appreciated.  You helped my sister with some advice a while ago but we weren't able to follow through, she is struggling with long term health conditions and I ended up in hospital for a while with myocarditis, when I got out and remembered it was too late.  I am going to make a donation now, it is not a lot, I wish I could give more, I will try to come back when things are on a more even keel.    Take care
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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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MBNA Credit card debt/ charges reclaim


mikesmotor
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5 threads merged.

 

if its an active credit card then every month.

 

what is the status of the account.

inotice looking back at your many thread on MBNA and merging them here to one thread

 

that you were going the reclaim etc etc

 

did you do that?

 

whom and what are you paying now?

 

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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I've just received a letter from this Bryan Carter crowd regarding a desputed credit card debt from MBNA being handled by Fredrickson International. From research I have made it would seem that Bryan Carter is just anther section of Fredrickson International, does anybody else have information regarding that. In any case i was under the impression that a debt collection agency cannot act on behalf of a creditor with a notice of assignment (NoA) and also that the agency cannot pass on these matters to another party while the matter is in depute. I would be interested to know if anyone has experience of this.

 

Regards

 

Mike

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Hi, Mike.

 

I've started a new thread for you.

 

Regards.

 

Scott.

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

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Help keep it up and active, helping people like you.

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Hi mikesmotor. Ive had the same garbage from Freds and then Carters. One very good idea is to send Carters a CCA Request - they do not like ANY form of resistance or to be made aware that a particular customer ( or "mug" - in DCA speak) may just know his/her legal rights.

They very often return the file back to the DCA with which the debt ( or Assignment of) lies.

Unfortunately this isnt the end of it. It just gets passed to the next DCA who starts the whole process (threats) again.

Be prepared to send lots of "in dispute" letters, all by recorded delivery of course.

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oops sorry - hit the "post" button by mistake!

The reality is that it doesnt seem to matter what might be legal or not.

What really happens is that no matter how you stop a particular DCA or "solicitor" from taking an action, all they do is bundle it up and flog it on to the next bunch of creeps.

Damned annoying I know, but even if you have seen half a dozen of these leeches off, you have to keep on the ball because the next low-life might just go for the CCJ if they think they might just get away with it.

So to my mind ( and experience) you can challenge a DCA on all kinds of things ( NOA etc) and probably beat them - but all that will happen after all your hard work is they will sell it to another DCA and you will literally have to start all over again.

Just keep it simple. CCA Request then Account in Dispute letter.

Then do the same with the next one.

And the next.................

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I've just sent a letter to Bryan Carter telling them that they need to speak to their so called clients Fredricson International. If that dosn't work I'll go down the CCA route. Incidently I've done a bit of further reaserch and it would seem strange to me that a firm of solicitors would (a) work on a Saturday (b) not include their phone number on their corresspondence and © have their offices on a warehouse trading estate next to the Brooklands race track. All very strange when you consider that Fredrickson International's postal address is the post office in Weybridge high street. I am very suspicious that Bryan Carter are a genuine firm of solicitors.

 

Mike

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they don't need a notice of assignment if the account has been passed for collection,the most important thing to do is send a letter of dispute giving clear reasons' to fredrickson international recorded delivery and stating that you will defend any action that they pursue.my experience when faced with this the account is then handed back to the original creditor.

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I've just sent a letter to Bryan Carter telling them that they need to speak to their so called clients Fredricson International. If that dosn't work It won't.... I'll go down the CCA route. As soon as possible, by rec. delivery. Incidently I've done a bit of further reaserch and it would seem strange to me that a firm of solicitors would (a) work on a Saturday (b) not include their phone number on their corresspondence and © have their offices on a warehouse trading estate next to the Brooklands race track. All very strange when you consider that Fredrickson International's postal address is the post office in Weybridge high street. I am very suspicious that Bryan Carter are a genuine firm of solicitors.

 

Mike

 

 

Bryan Carter are in the same building as Freds. and whatever you send through to them will end up with Freds. You may need to raise a formal complaint with BC if he/they play silly b*ggers with your CCA request. They are a tenacious bunch who seem to like threastening (and using) the court process to intimidate.... but not impossible to get rid of as long as you are pro-active.

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Decided not to wait, sent CCA today.

 

Mike

 

Recorded Delivery right? If not you can guarantee they "never recieved" it. Give it the 12 days then send the "in dispute" letter and keep copies of your letters and print-off the signature from the Royal Mail site. There you have your evidence for failure to comply should one of these chancers attempt further steps in the future.

My file on a particular debt is now an inch thick because of Lowells, Freds and then Carters. Even after Lowells writing and stating their client does not hold an Agreement, they have, up to now, sent a further 5 letters demanding payment and threatening court action.

Needless to say, I have all letters for if they or anyone else attempts Court action somewhere down the line.

Havent bothered to tell them that its well Statute Barred by now - just me playing by the DCAs rules:lol:

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  • 2 weeks later...

Hi All

I've just received a letter from Fredricson International in reply to my CCA request. They've sent back my postal order saying that I must go direct to MBNA (their clients) with this matter. I'm not sure that this is correct buit I would be gratefull for any advice here.

 

Regards

 

Mike

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Rubbish! The CCA request goes to the company chasing you - it is up to them respond to it and get the correct documentation and they know this! They keep doing this. Send them the Account in Dispute letter- amended- as they have indicated that they are not prepared to honour this request when it is clearly their responsibility to do this. And send copies with a complaint to OFT.

Please support CAG and they will support you.

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Should I not wait the 12+2 days before sending this letter? Incidentally they've (Fred. Int.) gone on to say they have plced my account on 28 day hold to allow me to go to MBNA then they will continue their collection activies.

 

Regards

 

Mike

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Well - up to you - refer to the letter and just it make it very clear to them that you have made the request to them and it is their responsibility to refer this to their client

Please support CAG and they will support you.

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It's just plain laziness if you want the CCA

send to MBNA and tell them that Freds wouldn't

process it.

The are no doubt claiming they are not the

creditor in this case, a situation that is soon

to be resolved.

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

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Fredrickson of course this is a regular occurrence with

CCA requests sent to them, they are totally uncooperative,and claim that

they are not the creditor so they don't have to do anything it's largely

pointless to try and get any result from them.:madgrin:

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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There are a few threads on here were Freds have done this - it is laziness on theiir part and should be reported to OFT as it actually constitutes harassment. I do not see why you should run around after credit agreements - if Freds/BC want to chase you they must provide the documents themselves!!

Please support CAG and they will support you.

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Just got a letter back from Freds Int ref my CCA request. They've said that I need to contact MBNA 9the debt originators) with the CCA and they've sent me back the postal ordert that I had made out to them. They have also mentioned that they have put my "account"on hold for twenty eight days in order to give me time to contact MBNA. Anybody got any ideas where to go next.

 

Regards

 

Mike

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Yes, go back to Freds to tell them it is their responsibility not yours to contact MBNA.

Before you criticise another man you should first walk a mile in his shoes. Then, when you criticise him, you'll be a mile away and he won't have any shoes on.

 

Don't get me confused with somebody knowledgeable by all those green blobs. I got most of them by making people laugh.

 

I am not European, I am English.

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