Jump to content


  • Tweets

  • Posts

    • 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   
    • Ms Vennells gave testimony over three days, watched by those affected by the Post Office scandal.View the full article
    • Punters are likely not getting the full amount of alcohol they are paying for, a new study suggests.View the full article
  • Recommended Topics

  • 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
      • 161 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
  • Recommended Topics

MCS/CL Fianance


jonesylou
style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 4634 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

we had a loan in 2004 with HSBC which got passed to MCS (HSBC in otherwords) and we agreed to pay £20 a month. we've never had any phone calls or letters off them even though we have wrote to them telling them of change of address in 2007 but phone numbers are the same. now it gets trickey lol, in oct 2007 they sell the debt to CL Finanace who again dont contact us saying they own the debt or anything, ive never given them permission to take the money out my account think mcs must have set that up. it no longer shows on our credit file thank god but we are having trouble getting a mortgage, if we dont get one we lose the house we are in:(,

 

looking on the net ive found it was illegal the way CL Finanace have gone about this as they have to by law tell you they own the loan and they never have.

 

how can i go about sorting this out? and what if i stop the £20 a month payment will they chase me for it and stick it back on my credit file?

Link to post
Share on other sites

looking on the net ive found it was illegal the way CL Finanace have gone about this as they have to by law tell you they own the loan and they never have.

 

Can you post a link to the site you got that info from please?

 

I assume you had set up a DD with HSBC to pay the £20 mth?

Cancel it NOW!

 

They cannot re-enter it onto your CRF if it has already dropped off. Have you checked your CRF? Has the Mortgage company explained why they won't give you a mortgage?

 

If this has dropped off your file then it will be unlikely it is this. Maybe it is something else??

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

Link to post
Share on other sites

yeah its dropped off the file, it was only showing on my partners but now not, it was on this site that i got told about CL Finance.

im paying the £20 a month standing order to them now not mcs, if i cancel it will they chase me?? not happy paying it but dont want to be stuffed up if i stop paying it.

ill post the bit about CL Fiance now once ive found it.

Link to post
Share on other sites

If there was no letter of assignment to you, then it was not legally assigned so the debt can be disputed

 

 

 

that was taken off my last post called old debt, we've had no letter of assignment of CL Finance well no letters at all. only the one after i phoned asking how much we owed and how much to settle, we did this on the advice of a mortgage specialist, i asked them bout owing the loan and got the reply yeah we have since 2007. so i said well its 2011 and we've had nothing from you whats going on and the phone was put down.

 

really need to get this sorted. we passed the credit rating when we went to sort the mortgage out and then when the house details were put it thats when it failed. the lady sorting the mortgage out was stunned as we HAD passed the credit rating we were just finalisng details at that point. so we dont know why they wont give the mortgage now.

Link to post
Share on other sites

Had a quick look over this, I would suggest

that you make a Subject Access Request to

HSBC to get all the data on the account,

it will show charges, the assignment of the debt

to third parties.

This costs £10.00 the have 40 days to comply,

use the template letter from the CAG library.

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:

Link to post
Share on other sites

so that will show them selling the loan to CL Finance? do i need to write to CL Finance asking for a letter of agreement or something too? if they havent got one of them then can i dispute it? i need to sort this asap, i dont think this is whats holding up the mortgage as it has fallen off the crf, we did pass it first off but when the house details where put in thats when it failed which makes me think is there something registered that we dont know about against the house.? we private rent it atm.

 

 

thanx in advance for all ur help

Link to post
Share on other sites

Hi the DSAR must have ALL the information

held on the account, but there is no obligation for

them to send an agreement with this, some

creditors may do so others not.

You can as you suggest do a CCA request

to CL, cost is £1 send a postal order and get

proof of posting, they have 12+2 days to comply.

Template in the Library.

 

Brog.

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:

Link to post
Share on other sites

i asked them bout owing the loan and got the reply yeah we have since 2007. so i said well its 2011 and we've had nothing from you whats going on and the phone was put down.

 

That to me would ring alarm bells and I would stop paying immediately, then wait for them to send you a letter, NOT A PHONE CALL, detailing why they believe they have the legal right to collect this debt.

 

Have you never had a statement of account? this should have been sent to you annually so that you can see what you have paid what you still owe, and if they are adding interest or charges?

 

STOP the payments, seriously, they are laughing at you and simply using you as a cash cow, if your still not happy with stopping the payments then you MUST reduce it down to £1 a month and then wait for their threatogramme.

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

Link to post
Share on other sites

we've had absolutely nothing off CL Finanace about this debt, am in middle of writing a letter ot both MCS and CL Finance about this then i will stop the payments if i dont get answers, bit worried to stop them atm as we are trying to get a mortgage, checked my credit status on tues and it was showing poor, checked again this mornin and its now in the fine status so hopefully we can get things sorted asap regarding the house then i will be stoppin the payments. thanx for all ur help guys really appreciate it.

Link to post
Share on other sites

Just a quick but an important point,,

Please do not rely on the 3 figure ''magical credit score''

it is really meaningless as only the data subject

(you) can see it, lenders do not see and it

does not impact on credit decisions, lenders base

there decisions on the residential info, credit account management

defaults/late payments, CCJ's, GAIN, and CEFS,

together wit their own unique rating system.

It is always best to check check at least 2 of the CRAs

as data can vary.

 

Brog.

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:

Link to post
Share on other sites

ive checked 2 and they are pretty much the same saying my credit is fine, no longer showing a default on my partners credit as its well over 6 yrs ago now,

got the letter here offering us the mortgage, it was when she put the house details in that it failed? not sure whats gone on all we know is we passed the credit score etc etc and they offereed us the mortgage only for them to back out of it, am seeing the bank tomoz to sort this out as we are now at risk of losing the house as we are buying the one we live in currently.

Link to post
Share on other sites

Sounds odd, addresses are certainly

''NOT BLACK LISTED'' in any way.

The only thing I can think of is there

is perhaps a problem with the Land

Registry entry.

I take it there are no CCJs on either

of you that have dropped off credit files?

 

Brig.

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:

Link to post
Share on other sites

no no ccj's or anything only a default on my other halfs credit but thats now gone as its well over 6 years, cant see what the prob is cause how would of our landlords got a mortgage on it themselves, surely if there was a prob it would have shown up for them unless they have done something and put the house up for it as security??

Link to post
Share on other sites

Have you checked out the Land Registry

for any charging orders or notices of interest

in the property, any security being registered.

 

Brig.

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:

Link to post
Share on other sites

Have you checked out the Land Registry

for any charging orders or notices of interest

in the property, any security being registered.

 

Brig.

 

Hi,

 

That was exactly what i was going to say..When my girlfriend bought this house there was a restriction on it...and the solicitors were really iffy about it.

 

( we paid cash though )

 

Regards,

Stormski

Link to post
Share on other sites

Have you checked out the Land Registry

for any charging orders or notices of interest

in the property, any security being registered.

 

Brig.

 

we havent checked this no as we were told the solicitor would when we got to that stage, it failed us for the mortgage when the house details were put in after we had PASSED the credit score etc and we were sorting out the paperwork and was going to pay for the valuation etc, glad i didnt pay the £300 now as the mortgage was turned down, seeing the bank tomorrow with proof our credit ratings etc are fine we have no defaults or ccj's so whats the problem?

Link to post
Share on other sites

Has to be Land Registry by the

sound of, I am surprised the

bank officer did nor explain why

the app failed on the property details,

a firm approach is need when you see

them again.

Brig.

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:

Link to post
Share on other sites

all sorted out today thank god, all gone through fine no probs, they cant explain why it failed last time but its gone through now so not worried, for now lol. am still going to sort out MCS and CL Finance etc etc so that can be stopped and sorted out.

Link to post
Share on other sites

thanx guys glad its sorted, its defo a pass so just gotta sort out the next stage of solicitors etc now and paperwork, still on mcs and cl finances trail lol i will get that sorted too and then hopefully can draw a line under the whole thing and finally own our own house :):)

 

thanx for all the advice over the last few days, will still pop on here if i have more questions (most prob will lol) and will keep u updated too.

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...