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    • You can easily argue your case with no sign on the nearest parking sign
    • Same issue got a fine yesterday for parking in suspended bay which was ending at 6:30 yesterday, next thing I see a fine 15 minutes before it. The sign was obstructed 
    • Hi all, an update on the case as the deadline for filing the WS is tomorrow i.e., 14 days before the hearing date: 7th June. Evri have emailed their WS today to the court and to myself. Attached pdf of their WS - I have redacted personal information and left any redactions/highlights by Evri. In the main: The WS is signed by George Wood. Evri have stated the claim value that I am seeking to recover is £931.79 including £70 court fees, and am putting me to strict proof as to the value of the claim. Evri's have accepted that the parcel is lost but there is no contract between Evri and myself, and that the contract is with myself and Packlink They have provided a copy of the eBay Powered By Packlink Terms and Conditions (T&Cs) to support their argument the contractual relationship is between myself and Packlink, highlighting clause 3a, e, g of these T&Cs. They further highlight clause 14 of the T&Cs which states that Packlink's liability is limited to £25 unless enhanced compensation has been chosen. They have contacted Packlink who informed them that I had been in contact with Packlink and raised a claim with Packlink and the claim had been paid accordingly i.e., £25 in line with the T&Cs and the compensated postage costs of £4.82. They believe this is clear evidence that my contract is with Packlink and should therefore cease the claim against Evri. Evri also cite Clause 23 of the pre-exiting commercial agreement between the Defendant and Packlink, which states:  ‘Contracts (Rights of Third Parties) Act 1999 A person who is not a party to this Agreement shall have no rights under the Contracts (Right of Third Parties) Act 1999 to rely upon or enforce any term of this Agreement provided that this does not affect any right or remedy of the third party which exists or is available apart from that Act.’ This means that the Claimant cannot enforce third party rights under the Contract (Rights of Third Parties) Act 1999 and instead should cease this claim and raise a dispute with the correct party.   Having read Evri's WS and considered the main points above, I have made these 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. 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. 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. 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. 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.  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. Clearly Evri have not read by WS as the above is all clearly explained in there.   I am going to respond to Evri's email by stating that I have already sent my WS to them by post/email and attach the email that sent on the weekend to them containing my WS. However, before i do that, If there is anything additional I should further add to the email, please do let me know. Thanks. Evri Witness Statement Redacted v1 compressed.pdf
    • Thank you. I will get on to the SAR request. I am not sure now who the DCA are - I have a feeling it might be the ACI group but will try to pull back the letter they wrote from her to see and update with that once I have it. She queried it initially with 118 118 when she received the default notice I think. Thanks again - your help and support is much appreciated and I will talk to her about stopping her payments at the weekend.
    • you should email contact OCMC immediately and say you want an in person hearing.   stupid to not
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      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.
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how to take legal action against hsbc?


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They refer to you again Durkin, saying your case is Scottish blah blah but they didnt reply to my letter to them involving the other cases your case was based on on the 7th Nov 2012.

 

I shall reply to them next week now with my side as well to "save costs on postage" lol.

 

Letter attached.

 

Durkin they mention that your case went for Appeal in June 2010. What was the outcome and who appealed?

 

Hi Noddy,

 

You're dealing with muppets. Once they get Counsel involved, they'll be advised that they're onto a loser.

 

The Court of Session, while betraying me personally, still confirmed that £8K of damages is reasonable, simply for damaging creditworthiness (variant of defamation - no proof required). I really wouldn't try and provide proof. It isn't required and will only give the bank further wool to pull over the judges eyes.

 

The Supreme Court will straighten out the other shenanigans that went on here in Scotland.

 

HFC know they're in for a kicking there against me. It's part of the HSBC group. They should know the case very well. Counsel will confirm to them that my case is being appealed in the Supreme Court and I wouldn't be surprised if they increased your offer.

 

I'd love you to stick this out though. You have them on the ropes and countless others will benefit from the judgement.

 

I really can't see you losing, but yes, it's possible and you'd be liable for expenses. Normally you'd have about 14 days to appeal any dodgy judgement. The appeals in Aberdeen go to the sheriff principal so I guess you'd be appealing to the top judge in Nottingham.

 

In the unlikely event that you'd be liable for expenses, the JSA claim may offer protection anyway.

 

Do us all a favour please and send these bullies to hell.

 

God is on your side.

 

Richard.

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Cheers for the kind words Richard.

 

Just before I read your reply, I read Mike's and remembered about the JSA! Lol! So hopefully I will be covered from that.

 

What exactly is Counsel? I take it its something external as you said the Counsel will tell them they're on to a loser? (If its internal then it will side with them).

 

If they offer me £4k I will take it. But if its the day before the hearing then I won't :p

 

 

I am going all the way now as its taken a lengthy 6 months (started proceedings in August).

 

Edit: I just read through this thread http://www.consumeractiongroup.co.uk/forum/showthread.php?289883-DG-Solicitors-Costs

 

Apparently this person didnt go through the small claims court and had to pay £1500 in DG costs. However, another poster said if they went through small claims then they wouldnt had to pay...?

I went all the way to court to seek compensation for "damage to creditworthiness" against HSBC. I lost unfortunately.

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Hi Noddy,

 

Counsel are expensive lawyers who should know the law better than the ordinarys at DG. They'll advise DG that they're onto a loser but they may still gamble that they'll be able to either pull the wool over the judges eyes or buy themselves a decision.

 

In Edinburgh, HFC gambled in this manner and won. The judges considered that the bank had done nothing wrong at all! They didn't even bother addressing the appeal itself from me. The consumer, according to the muppets there must pay for goods they didn't ask for! Everyone in the court, including Counsel for the bank, knew the bank was in the wrong but the judgement still came in the banks favour. Suspicious.

 

The judgement does reiterate though the basic principal that £8K is reasonable (in the eyes of the law - which itself is an arse, often protecting the guilty) for general damages to creditworthiness following a wrongful default, whether you've been done for a few hours or a few decades.

 

If you're happy with £4K and they offer that much, you might consider taking it. Even if it's on the day of the hearing. Counsel can be quite intimidating and will try and put words in your mouth or use trick questions to try and damage your character, something the judge is likely to take into consideration. Nothing to worry about though with nerves of steel!

 

Just be honest and succinct.

 

Richard.

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hi there noddy, ive just read your thread (only took 2 hours) im at the stage where you started your thread and just had my default removed. im keen to see what the outcome of your case is and wish you luck. hopefully you have a good outcome and ill use your case as reference lol. Its amazing how these big companies think its ok to tarnish your credit rating for no reason and then try to wriggle out of the consequences. ive been using a different case to keep my morale up, david vs goliath!!!!!

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@ Durkin, in the first trial you was awarded £8k, however in the appeal in 2010 was you asked to repay this back or was you stil eligible to it?

 

You said if they offer £4k on the day of the hearing, do you mean at the hearing or before the hearing takes place? I thought there needs to be 7 days notice to the court to cancel a trial and state that a settlement has reached?

 

 

@ Mike - law jargon confuses the living day lights out of me. I have read pargraph (3) and you are trying to imply that applies to me? However, I did not behave unreasonbly but instead t I counter offered them.

 

 

@ Daven - thank you. Was your default in the same circumstances as to mine? Also start your own thread as that way we can follow you, and guide you. And then if am successful in mine I could of course help you too.

 

 

Off topic - Its funny how HSBC "demand" overdrafts. I went in to Lloyds today to do business, and they asked me about my student/graduate account. I asked them do you have a "pay on demand" policy like HSBC for overdrafts, they said "no we dont, but you have to pay money in reguarly". Its funny how HSBC got ludicrous policies.

I went all the way to court to seek compensation for "damage to creditworthiness" against HSBC. I lost unfortunately.

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@ Mike - law jargon confuses the living day lights out of me. I have read pargraph (3) and you are trying to imply that applies to me? However, I did not behave unreasonbly but instead t I counter offered them.

 

 

Nod, I'm trying to give you the heads up as to the methodology used by counsel in pleading its clients case and why it (a) attempts to drag the case into the fast track and [when that fails] (b) presents ever increasing w/p offers in an attempt to present you to the court as a party that will not mediate.

 

Do you have a written record of your counter offer?

 

Its all about mitigating its clients costs and exposure to damage by placing pressure on the other side to fold.

 

You really have to get your head around the mind games the other side will play.

 

Are you confident of your position and understand all arguments should this go to trial and you sit opposite a smug barrister with 20 years experience in matters such as this?

 

Have you fully researched King, Wilson and Kpohraror so that you are fully prepared for trial?

 

If the answer is yes then you should do fine, if it's a no then I'd be making a proposal to compromise the case. Its only my opinion but I can't see that you have anything to prove by forcing this to a trial if there is another remedy, the case law already exists......... whilst a win would present itself as an additional first instance case on record it wouldn't add any weight to the previous findings.

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noddy, my default was in different circumstances as it was with a mobile phone company so they arent regulated in the same way etc... however they did not have my permission to share my details with cra,s they held and share incorrect info and did nothing to make me aware of the outstanding balance. also their SAR is massively incomplete. i could go on and on about the errors they have made but i dont want to hijack your thread. just wanted to wish you luck. its nice to see someone else going in the right direction.

 

 

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?378938-problems-with-mobile-phone-co-orange-(2-Viewing)-nbsp

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Mike I still dont understand you (the 1st paragraph). Maybe your English is advanced than mine and its possibly law related? :p lol (dont get me wrong I am a graduate).

 

Yes I do have a written record.

 

King, Wilson and Kpohraror - the latter was awarded £5500 in general damages, his cheque was refused by the bank. He appealed for £57,100 in loss to business but that was refused by the Judge

 

Wilson was made by bankrupt by his bank whilst away on military service (quiet similar to my case).

 

And King was the one where there was issues regarding machinery? (Was King a Scottish case? As within Durkin's it says "Sheriff" which only applies to Scotland).

 

Also, quiet important to realise here, Mike, DG are avoiding King, Wilson and Kpohraror in my correspondonce and are simply referring to Durkin stating that "his case is of Scottish law blah blah". They are deflecting the other cases.

 

I am going to trial because I cant reach a settlement figure as I have previously stated (if they had common sense they would budge up their offers in a reasonable manner - they are still on the £1000 mark and just reached halfway - I told them quite clearly I would take £4000). I am not going to trial simply because for the fun of it. I know it is going to be very hard but am not left with much choice.

I went all the way to court to seek compensation for "damage to creditworthiness" against HSBC. I lost unfortunately.

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Mike I still dont understand you (the 1st paragraph). Maybe your English is advanced than mine and its possibly law related? :p lol (dont get me wrong I am a graduate).

 

Yes I do have a written record.

 

King, Wilson and Kpohraror - the latter was awarded £5500 in general damages, his cheque was refused by the bank. He appealed for £57,100 in loss to business but that was refused by the Judge

 

Wilson was made by bankrupt by his bank whilst away on military service (quiet similar to my case).

 

And King was the one where there was issues regarding machinery? (Was King a Scottish case? As within Durkin's it says "Sheriff" which only applies to Scotland).

 

Also, quiet important to realise here, Mike, DG are avoiding King, Wilson and Kpohraror in my correspondonce and are simply referring to Durkin stating that "his case is of Scottish law blah blah". They are deflecting the other cases.

 

I am going to trial because I cant reach a settlement figure as I have previously stated (if they had common sense they would budge up their offers in a reasonable manner - they are still on the £1000 mark and just reached halfway - I told them quite clearly I would take £4000). I am not going to trial simply because for the fun of it. I know it is going to be very hard but am not left with much choice.

 

Nod, my English is the same as yours mate............ it's my own experience of the civil court regime which may slightly differ. Think of it more akin to a game, it doesn't have much of an option but to present itself as 'wronged' and making all attempts to mediate the matter. I've always played the game to my advantage and shown how 'reasonable' I can be in allowing the other side to settle on my terms.

 

Which case/s have you referred to in your particulars [original and amended], Richards or the others? Richards is only persuasive in England and Wales, Khopraror should really be cited in England. Did you include a reference to it within your particulars?

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Within my particulars (ammended only) I only referred to Durkin.

 

There is simply not enough room to mention a great deal within the particulars.

 

DG are making out Durkin's is persuasive in Scotland only ?

 

I am in England so Kophraor shouldnt be a problem.

 

What about King and Wilson, where are they based?

I went all the way to court to seek compensation for "damage to creditworthiness" against HSBC. I lost unfortunately.

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Durkin is relevant in the sheriffs court in Scotland, Richard will explain I'm sure........at this time it is persuasive only in England and Wales, it relies upon Kpohraror........ will the other side try to convince the dj of same? probably

 

Kpohraror is the effective case within your jurisdiction.......this should be your target as the more recent case and findings of same.

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What about King and Wilson??

 

Thanks for your support so far Mike. Still a month to go.

 

If anyone is free, or nearby they should come to the trial for current and future experience (I never had any) and for support as well!

I went all the way to court to seek compensation for "damage to creditworthiness" against HSBC. I lost unfortunately.

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Thanks for that Mike. I have tried Googling some of the case law, some isn't picked up and some seems to be abroad. They seem mainly in favour of Kpohraror as they too are for cheques being disregarded by banks.

 

Am in the process of writing my side. Shall I state the background details first, or shall I state how I discovered the default?

I went all the way to court to seek compensation for "damage to creditworthiness" against HSBC. I lost unfortunately.

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Hi Nod

 

A little background is always a good thing, it helps the court consider the relationship of the parties prior to events leading up to the case.

 

Try post #762 of this thread http://www.consumeractiongroup.co.uk/forum/showthread.php?331427-Robinson-Way-lifting-a-stay-on-a-County-Court-claim-made-in-July-2009-Happy-Christmas!!/page39 for some ideas on construction of your w/s.

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Cheers Mike.

 

Those docs seem to be mostly of the defendants side rather than claimants.

 

So its ok to use first person then.

 

Also is my side called the witness statement? I thought w/s were from witnesses that may need to be relied on within trial. Surely it aint called w/s isit? I was thinking more of the terms of like, prosecution, but another word? :p

I went all the way to court to seek compensation for "damage to creditworthiness" against HSBC. I lost unfortunately.

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Hi guys, I went to court today to ask about how do I claim my expenses. The 2 clerks I seen said that its upto the Judge at the hearing to whether allow you to claim expenses or not - entirely their discretion.

 

Does anyone know if I have to fill out a form? That I could take along to the trial?

 

They didn't seem too helpful unfortunately.

I went all the way to court to seek compensation for "damage to creditworthiness" against HSBC. I lost unfortunately.

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Guys, I have also bought a free credit report from Equifax again today. It shows my search history and Wescott did a "Trace Enquiry" on the 22/12/2011 (6months after the default was removed).

 

Does anyone know what a "Trace Enquiry" is? From the words am assuming its an enquiry conducted to trace someone?

 

I shall ring up Equifax tommorow to confirm this. If it is what I believe it is, and if DG get rowdy next month, I shall also use this on them as well.

 

Just a quick update:

 

My credit score as of today sits at 486 in the "Good" category (which starts from 474). Before it was 352 "Satisfactory" level (minimum score is 349) before this when with the default it was at 317 "Poor". "Excellent" level is at 900, so I got some good years to go!!

 

All my payments, mortgage, direct debits etc are in "Excellent" green and for past 12+ months each month is ticked in green which means payments made on time promptly.

 

I shall also use this for my bit next month to say I am a very creditworthy person for my age incase DG try to play dirty.

 

 

I also noticed the HSBC account has disappeared from my file. HSBC might have asked them to ? I shall ask Equifax this as well. They have left the "Credit Card from Hsbc Plc (Card Services)" on their though which is "Settled". I think without the "Settled" I would have a higher rating. The current account was "Settled" on my previous credit files!!

Edited by noddy997

I went all the way to court to seek compensation for "damage to creditworthiness" against HSBC. I lost unfortunately.

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@ Durkin, in the first trial you was awarded £8k, however in the appeal in 2010 was you asked to repay this back or was you stil eligible to it?

 

You said if they offer £4k on the day of the hearing, do you mean at the hearing or before the hearing takes place? I thought there needs to be 7 days notice to the court to cancel a trial and state that a settlement has reached?

 

 

Hi Noddy,

 

In 2010, I still hadn't been paid, so there was nothing to pay back.

 

In any case, the appeal is ongoing in the Supreme Court. Once the Supreme Court sorts everything out, I should finally be awarded reparation, including £8K + interest.

 

The Court of Session, astonishingly, ruled that the bank hadn't done anything wrong. They did confirm though, that £8K is an "appropriate" award of damages just for general damage to creditwothiness.

 

The Court of Session judgements have weight in English courts. Obviously, once the Supreme Court finish the job, it'll be cast in stone. I hope, they'll do a good job by distinguishing between a day and 6 years!

 

I've heard about situations where deals have been done at the court on the day of the hearing.

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I am just doing more reading and going through the Directions again, I got a hearing next month not a trial. And apparently a trial is the final hurdle i.e. the decision of the Judge.

 

I didnt know this before!

 

Anyone got / had experience of this? And how soon after can I have a trial?

I went all the way to court to seek compensation for "damage to creditworthiness" against HSBC. I lost unfortunately.

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Oh so you didnt get the £8k??! Oops! Hope that cant be used against me could it?

 

I don't have the £8K yet.....

 

It was awarded in Aberdeen and the Appeal Court confirmed that anyone in your situation should receive damages just for general damage to creditworthiness.

 

The Appeal Court (Court of Session - Scotland's highest court) failed to deliver justice in my case under extremely suspicious circumstances.

 

The Supreme Court should reaffirm and hopefully improve damages awarded for general damage to creditworthiness.

 

All this is in your favour and should be relied upon.

 

Only darker forces will prevent you being awarded £5K. Let's hope that English judges are made of sterner stuff. I'm sure they are. At least some of them.

 

Cheers,

 

Richard.

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