Jump to content


  • Tweets

  • Posts

    • UK citizens will be subject to the same rules as other Third Country Nationals. Keir Starmer to warn of 'major disruption' risk ahead of new UK-EU border checks | ITV News WWW.ITV.COM Ministers will announce measures to try to blunt the impact of the changes, writes ITV News Deputy Political Editor Anushka Asthana. | ITV National...  
    • Oh I see! thats confusing, for some reason the terms and conditions that Evri posted in that threads witness statement are slightly different than the t&cs on packlinks website. Their one says enter into a contract with the transport agency, but the website one says enter into a contract with paclink. via website: (c) Each User will enter into a contract with Packlink for the delivery of its Goods through the chosen Transport Agency. via evri witness statement in that thread: (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 I read your post at #251, so I should use the second one (and changing the screenshot in the court bundle), since I am saying I have a contract with Evri? Is that correct EDIT: Oh I understand the rest of your conversation. you're saying if I was to do this i would have to fully adjust my ws to use the consumer rights act instead of rights of third parties. In that case should I just edit the terms and stick with the third parties plan?. And potentially if needed just bring up the CRA in the hearing, as you guys did in that thread  
    • First, those are the wrong terms,  read posts 240-250 of the thread ive linked to Second donough v stevenson should be more expanded. You should make refernece to the three fold duty of care test as well. Use below as guidance: The Defendant failed its duty of care to the Claimant. As found in Donoghue v Stevenson negligence is distinct and separate to any breach of contract. Furthermore, as held in the same case there need not be a contract between the Claimant and the Defendant for a duty to be established, which in the case of the Claimant on this occasion is the Defendant’s duty of care to the Claimant’s parcel whilst it is in their possession. By losing the Claimant’s parcel the Defendant has acted negligently and breached this duty of care. As such the Claimant avers that even if it is found that the Defendant not be liable in other ways, by means of breach of contract, should the court find there is no contract between Claimant and Defendant, the Claimant would still have rise to a claim on the grounds of the Defendant’s negligence and breach of duty of care to his parcel whilst it was in the Defendant’s possession, as there need not be a contract to give rise to a claim for breach of duty of care.  The court’s attention is further drawn to Caparo Industries plc v Dickman (1990), 2 AC 605 in which a three fold test was used to determine if a duty of care existed. The test required that: (i) Harm must be a reasonably foreseeable result of the defendant’s conduct; (ii) A relationship of proximity must exist and (iii) It must be fair, just and reasonable to impose liability.  
    • Thank you. here's the changes I made 1) removed indexed statement of truth 2) added donough v Stevenson in paragraph 40, just under the Supply of Goods and Services Act 1982 paragraph about reasonable care and skill. i'm assuming this is a good place for it? 3) reworded paragraph 16 (now paragraph 12), and moved the t&cs paragraphs below it then. unless I understood you wrong it seems to fit well. or did you want me to remove the t&cs paragraphs entirely? attached is the updated draft, and thanks again for the help. WS and court bundle-1 fourth draft redacted.pdf
  • Our picks

    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • Hello,

      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.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 162 replies
    • 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.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      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
        • Like

How can I remove a Duplicate CCJ


Guest katzcafe
style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 6501 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

Guest katzcafe

Hi, I have a CCJ which is duplicated on my credit file, I notified Experian in May that it was a duplicate, and on the report I received recently it has an entry saying it has been queeried but it is still there! :-x

I'm writting a letter later to ask them to remove a couple of expired defaults, what would be the best terminolgy to get this corrected?

Link to post
Share on other sites

  • 3 weeks later...

Is it from the same company - same amount etc?

If it is I would get a check done at Registry Trust and if the CCJ has been listed twice with them get them to explain why.

Get proof if it there twice.

This happened to me and it turned out that Capital Bank had requested a discovery notice first to see if I was worth chasing for the debt , decided I was and issued a CCJ. The CCJ is then meant to carry the same case number as the discovery notice only in my case Capital Banks solicitor issued a seperate form for it and I ended up with two CCJ's. It was in 2003 that I first realized it and it took ages to sort out.

Eventually after several Data Protection Act's to all concerned (including the solicitor working for Cap Bank)and numerous letters one was eventually removed and the other marked as satisfied.

You should also contact the company who issued the judgment.

Also check if they registered any default notices. In my case Cap B had registered two defaults both dated after the CCJ date. They were both removed as it a breach of DPA to register a default after a judgment.

 

I'm in NI but I would imagine you can do an online check @ Registry Trust to see whats recorded against your name.

Start there as while I am sure that the CRA's share responsability for keeping our data correctly it will be quicker to start at the source of the problem.

 

Good luck

Link to post
Share on other sites

A simalar thing is happeming to me on checking my credit file i noticed that a Default had been registered quoting an account that had been closed in 1995. At that time a ccj was issued and was removed in 2001 as per the 6 year rule.I then looked in the part of the report that gives information on new account applications and there was an entry for me apparrently applying to open an account with the NW at the same date as the default was updated . I have contacted the Nat West twice now and both times they said yes the entries were incorrect and they would look into them but they are still there.

Should i ssend the 1974 cca request to nat west,or should i contact the registry first.

On reading other postings on this furum the NW have no right to be proccessing information on an account that has been closed for 10 years anyway.

DO NOT PAY UPFRONT FEES TO COLD CALLERS PROMISING TO WRITE OFF YOUR DEBTS

DO NOT PAY UPFRONT FEES FOR COSTLY TELEPHONE CONSULTATIONS WITH SO CALLED "EXPERTS" THEY INVARIABLY ARE NOTHING OF THE SORT

BEWARE OF QUICK FIX DEBT SOLUTIONS, IF IT LOOKS LIKE IT IS TO GOOD TO BE TRUE IT INVARIABLY IS

Link to post
Share on other sites

Registry Trust have no connecion with dfaults being reported onto your credit files.

I would say dont bother with the time scale for DPA just write & tell them to remove the info pronto or you will ask The Information Commissioners Office to assess the case for you. They have already admited that the info is incorrect.

They were obviously tracing your report to see if you had any credit showing that would make you worth passing to a debt collection agency.

If it is over six years with no comunication tell them now that you believe the debt to be satue barred and that incorrect info has to be removed ASAP.

 

What date is showing as the default date?

Link to post
Share on other sites

Registry Trust have no connecion with dfaults being reported onto your credit files.

I would say dont bother with the time scale for Data Protection Act just write & tell them to remove the info pronto or you will ask The Information Commissioners Office to assess the case for you. They have already admited that the info is incorrect.

They were obviously tracing your report to see if you had any credit showing that would make you worth passing to a debt collection agency.

If it is over six years with no comunication tell them now that you believe the debt to be satue barred and that incorrect info has to be removed ASAP.

 

What date is showing as the default date?

The current file reads Started 07/04/95 Defaulted 02/08/03 But rhe account was closed on 07/04/95 and a default was issued later the same year followed by a ccj.

There is a application for a joint mortage listed on 02/08/03 which i of course never made. It seem like they have ignored the first notice made in 1995 and after no contact for 8 years have decided to re-issue a default. I do not understand how this can be done unless they used the ficticious application to open an account in 2003 and then immedialatly defaulted it. I still have all the orriginal bank statements and county court paperwork. I have had no contact with them at all for 11Years.

DO NOT PAY UPFRONT FEES TO COLD CALLERS PROMISING TO WRITE OFF YOUR DEBTS

DO NOT PAY UPFRONT FEES FOR COSTLY TELEPHONE CONSULTATIONS WITH SO CALLED "EXPERTS" THEY INVARIABLY ARE NOTHING OF THE SORT

BEWARE OF QUICK FIX DEBT SOLUTIONS, IF IT LOOKS LIKE IT IS TO GOOD TO BE TRUE IT INVARIABLY IS

Link to post
Share on other sites

Send the CRA cpoies of the court paperwork with a letter explaining that

 

42. The Registrar does not see any inconsistency in the filing of defaults in relation to debts

which the lender has also sought to recover through a CCJ. Of course, the default must not be

filed as having occurred after the date of the CCJ.

43.

Similarly, the Registrar is satisfied that a lender may file a default in relation to an

account that is included in an IVA or bankruptcy as soon as it receives the notification. In

principle such a default should be filed as occurring no later than the date of

"no inconsistentency is seen in the filing of defaults in relation to debts which the lender has also sought to recover through a CCJ. Of course the default must not be filed as having occured after the date of the CCJ.

42. The Registrar does not see any inconsistency in the filing of defaults in relation to debts

which the lender has also sought to recover through a CCJ. Of course, the default must not be

filed as having occurred after the date of the CCJ

 

Tell the CRA you do not want a notice of correction or for them to investigate the error you expect them to remove the information ASAP as you have proved to them that the default is a breach of Data Protection.

The quote is from The Information Commissioners Office guidelines for CRA's but it was so long ago that I used it I have forgotten the section number.

 

Send the same to the lender but also send the lender copies of what they have reported on your credit file and tell them you may sue for distress and damages as they are reporting deflamatory incorrect information.

 

This should do the job.

BTW what way do your 0's or lack of 0's under your info look like?

 

Let us know how it goes :)

Link to post
Share on other sites

Tanks for that i will get straight on it and let you know what happens.

 

The Credit report 0 is in square brackets in red with the nuber 8 inside there is just one of them.

 

Cheers Peter

DO NOT PAY UPFRONT FEES TO COLD CALLERS PROMISING TO WRITE OFF YOUR DEBTS

DO NOT PAY UPFRONT FEES FOR COSTLY TELEPHONE CONSULTATIONS WITH SO CALLED "EXPERTS" THEY INVARIABLY ARE NOTHING OF THE SORT

BEWARE OF QUICK FIX DEBT SOLUTIONS, IF IT LOOKS LIKE IT IS TO GOOD TO BE TRUE IT INVARIABLY IS

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...