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

Cap1 & CCA return


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

Thread Locked

because no one has posted on it for the last 4963 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

If you check the definitions, APR is not a definition of interest.

 

APR: Definition and additional resources from BNET

Advice offered by ENRON is without prejudice and is for your judgement as to whether to take it. You should seek the assistance or hire of a solicitor or other paid professional if in doubt.

Link to post
Share on other sites

  • Replies 17.3k
  • Created
  • Last Reply

Top Posters In This Topic

Top Posters In This Topic

Posted Images

 

I found this too. Very enlightening!!!! ;)

------------------------------------------------

HFC, PPI - With FOS

NatWest, Default Removal - In Progress

Intelligent Finance, Default Removal & Charges Claimback - In Progress

HSBC, Default Removal & Charges Claimback - In Progress

Abbey, Bank Charges - In Progress

------------------------------------------------

Lloyds, PPI **WON**

Halifax, Charges - Court Claim **WON** Donation Made To CAG

GE Money, Charges - Court Claim **WON**

GE Money, PPI **WON**

HFC, Charges **WON**

Halifax, PPI - Court Claim **WON**

Vodafone, Default Removal **WON**

------------------------------------------------

Link to post
Share on other sites

What exactly are you alleging here?

 

I originally asked for the CCA as I wanted to see what commitments I had made in terms of PPI cover on this account (which didn't pay out at a fairly desperate time). After some prodding (and after passing the statutory time period), they sent this. The signature is mine - as it has been on all correspondence with them - yet none of the other handwriting on the account is. There are inaccuracies in it such as profession and names being incorrectly spelt. I have asked the Halifax openly who completed this, when and why. I have sent this away to a handwriting expert who agrees that theis is not my handwriting. So, someone completed this form either at the time of the original application or recently when I have chased up the CCA. I am 95% certain that there is something malicious going on here. The other 5% is willing to believe someone in their organisation made an honest error of judgement in this.

 

Nonetheless, I'm not too sure what to do next - am I right in believing that I cannot raise this in court, and that I have to wait for them to pursue me for monies and ultimately reach the court stage?

Bank and credit card reclaims - £9,806

Sainsburys CCA non-compliance with FOS;

Natwest reclaim of £340 in progress;

Egg credit card reclaim in progress

 

 

Link to post
Share on other sites

I originally asked for the CCA as I wanted to see what commitments I had made in terms of PPI cover on this account (which didn't pay out at a fairly desperate time). After some prodding (and after passing the statutory time period), they sent this. The signature is mine - as it has been on all correspondence with them - yet none of the other handwriting on the account is. There are inaccuracies in it such as profession and names being incorrectly spelt. I have asked the Halifax openly who completed this, when and why. I have sent this away to a handwriting expert who agrees that theis is not my handwriting. So, someone completed this form either at the time of the original application or recently when I have chased up the CCA. I am 95% certain that there is something malicious going on here. The other 5% is willing to believe someone in their organisation made an honest error of judgement in this.

 

Nonetheless, I'm not too sure what to do next - am I right in believing that I cannot raise this in court, and that I have to wait for them to pursue me for monies and ultimately reach the court stage?

 

IMHO, I can't see what difference it will make - if the agreement contains the prescribed terms and your signature, it will be enforceable against you. Bringing in to question whether the rest is legitimate or not doesn't really add to your case.

 

You can push the issue by making an application to the Court for a declaration that the agreement is unenforceable - the response to that is almost guaranteed to be an attempt to enforce the agreement, so it's worth considering your options before taking that action.

 

Link to post
Share on other sites

It doesn't appear to contain the prescribed terms - although the issue I'm taking them to court over is the mis-selling of PPI. The 'replication' of the CCA and my signature on it is an issue that I may take further via an alternative route.

 

If the court decide it's enforceable, that's not too big an issue as the balance is manageable and should be paid off within the next 4 or 5 months anyway, although at the time I made my claim unsuccessful claim on my PPI it was at £12,500! The PPI is the main issue for me in this.

Bank and credit card reclaims - £9,806

Sainsburys CCA non-compliance with FOS;

Natwest reclaim of £340 in progress;

Egg credit card reclaim in progress

 

 

Link to post
Share on other sites

the credit limit definition does not meet the 1983 regulations

the paper is not signed by the Halifax and the paper signed by you does not contain any of the prescribed conditions

this crowd are 100% useless

Link to post
Share on other sites

the credit limit definition does not meet the 1983 regulations

the paper is not signed by the Halifax and the paper signed by you does not contain any of the prescribed conditions

this crowd are 100% useless

 

You'll find that this has all been discussed in replies, if you look hard enough.

 

;)

 

Link to post
Share on other sites

"You'll find that this has all been discussed in replies, if you look hard enough"

 

I hope not to be taking the reply above the wrong way but it seems unhelpful in addition to the replies I have taken these matters to court to satisfactory conclusion several times so have the benefit of that recent experience

  • Haha 1
Link to post
Share on other sites

Legibility of notices and copy documents and wording of prescribed Forms

2.-

(1) The lettering in every notice in a Form prescribed by these Regulations and in every copy of an executed agreement, security instrument or other document referred to in the Act and delivered or sent to a debtor, hirer or surety under any provision of the Act shall, apart from any signature, be easily legible and of a colour which is readily distinguishable from the colour of the paper.

Link to post
Share on other sites

"You'll find that this has all been discussed in replies, if you look hard enough"

 

I hope not to be taking the reply above the wrong way but it seems unhelpful in addition to the replies I have taken these matters to court to satisfactory conclusion several times so have the benefit of that recent experience

 

Perhaps you are? It's all about sharing experiences, as each case is unique, so feel free to share yours.

 

What I am saying is that the advice you have given has already been discussed - if you disagree with any, by all means put your point forward and the forum will respond.

 

"Unhelpful" is your opinion, to which you're entitled, but that doesn't mean I can't share mine too.

 

Happy to continue this, by PM rather than in open forum, as we aren't adding value to the thread now, if you prefer.

 

Link to post
Share on other sites

Hi

 

In the CCA1974 under section 78 it asks for 15 new pence.

What doc is it in where it says £1.00.

 

Also is there a more modern version of section 60

Link to post
Share on other sites

Hi

 

In the CCA1974 under section 78 it asks for 15 new pence.

What doc is it in where it says £1.00.

 

Also is there a more modern version of section 60

 

I also need a more upto date version of section 60, so I know what the prescribed terms actually are, for this APR/interest argument I mentioned earlier in this post.

 

I think both are in the 1983 updated act but I can't find a copy!!!!!

------------------------------------------------

HFC, PPI - With FOS

NatWest, Default Removal - In Progress

Intelligent Finance, Default Removal & Charges Claimback - In Progress

HSBC, Default Removal & Charges Claimback - In Progress

Abbey, Bank Charges - In Progress

------------------------------------------------

Lloyds, PPI **WON**

Halifax, Charges - Court Claim **WON** Donation Made To CAG

GE Money, Charges - Court Claim **WON**

GE Money, PPI **WON**

HFC, Charges **WON**

Halifax, PPI - Court Claim **WON**

Vodafone, Default Removal **WON**

------------------------------------------------

Link to post
Share on other sites

In the CCA1974 under section 78 it asks for 15 new pence.

What doc is it in where it says £1.00.

 

Statutory Instrument 1998 No. 997

The Consumer Credit (Further Increase of Monetary Amounts) Order 1998

  • Haha 1

Halifax (current accounts, credit card, old mortgage, secured loan)

thread here

 

MBNA (three credit cards)

thread here

firstdirect (a current account, two mortgage accounts, old loans, old credit card)

they've sold my current account. thread here.

 

Royal Mail

Claim issued by former employer Royal Mail, thread here.

I counterclaimed and won. They paid in full.

Link to post
Share on other sites

Hi all, In 2000 we applied for credit in a store (store card was subsequently issued). I have recently requested a copy of the agreement form GE Capital who are still handling the account. However, the document they supplied is an application form, completed by an employee instore. It contains credit limit and account number, amount of deposit we paid and cancellation rights, but no APR or repayment details. It is pretty much just an application form. I have written a letter to GE informing them of this and they wrote back to say they were investigating the matter. However, in the meantime, GE has passed the account to Lewis Debt Recovery, who say that regardless of whether the agreement contains the prescribed terms or not, if we spent on the account then it is enforceable. Which of course is rubbish. I just wanted to check though that I am right in stating that this agreement if it doesn't contain all prescribed terms is unenforceable. does it make any difference that it was completed instore and that a deposit was shown to be paid at the time? I have read on here that Lewis are pretty litigious and a thoroughly nasty crowd - nothing like the other DCAs then! :rolleyes: Thanks , Magda

Link to post
Share on other sites

Hi all, In 2000 we applied for credit in a store (store card was subsequently issued). I have recently requested a copy of the agreement form GE Capital who are still handling the account. However, the document they supplied is an application form, completed by an employee instore. It contains credit limit and account number, amount of deposit we paid and cancellation rights, but no APR or repayment details. It is pretty much just an application form. I have written a letter to GE informing them of this and they wrote back to say they were investigating the matter. However, in the meantime, GE has passed the account to Lewis Debt Recovery, who say that regardless of whether the agreement contains the prescribed terms or not, if we spent on the account then it is enforceable. Which of course is rubbish. I just wanted to check though that I am right in stating that this agreement if it doesn't contain all prescribed terms is unenforceable. does it make any difference that it was completed instore and that a deposit was shown to be paid at the time? I have read on here that Lewis are pretty litigious and a thoroughly nasty crowd - nothing like the other DCAs then! :rolleyes: Thanks , Magda

 

I've actually found the opposite - you just need to manage them correctly;

 

http://www.consumeractiongroup.co.uk/forum/other-stores/110148-car2403-ge-capial-bank.html

 

:p

 

Link to post
Share on other sites

I found this too. Very enlightening!!!! ;)

 

car2403 can you help me? A few posts ago we talked about interest rate missing from agreements but APR being shown instead. Do you have an updated s60 from the 1983 regs or more clarification of the percribed terms particularly the interest rate?

 

I need to get my letter done in the next couple of days, and I'm a bit stuck, and they are expecting another payment at the end of next week, so they inform me!!!! I've spent ages looking for the 1983 regs but they seem hard to find.

------------------------------------------------

HFC, PPI - With FOS

NatWest, Default Removal - In Progress

Intelligent Finance, Default Removal & Charges Claimback - In Progress

HSBC, Default Removal & Charges Claimback - In Progress

Abbey, Bank Charges - In Progress

------------------------------------------------

Lloyds, PPI **WON**

Halifax, Charges - Court Claim **WON** Donation Made To CAG

GE Money, Charges - Court Claim **WON**

GE Money, PPI **WON**

HFC, Charges **WON**

Halifax, PPI - Court Claim **WON**

Vodafone, Default Removal **WON**

------------------------------------------------

Link to post
Share on other sites

GE passed our account to Lewis after they withdrew their court claim (thanks to a superb defence, with a little help from my friends;)). I had one letter from Lewis saying they would accept our £1 a month (which GE had refused and responded by issuing court proceedings) - I ignored that letter and have never heard another thing - that was about four months ago:D

BANK CHARGES

Nat West Bus Acct £1750 reclaim - WON

 

LTSB Bus Acct £1650 charges w/o against o/s balance - WON

 

Halifax Pers Acct £1650 charges taken from benefits - WON

 

Others

 

GE Money sec loan - £1900 in charges - settlement agreed

GE Money sec loan - ERC of £2.5K valid for 15 years - on standby

FirstPlus - missold PPI of £20K for friends - WON

Link to post
Share on other sites

 

 

Cheers for that.

 

 

Where does it actually say the perscribed terms are.

 

Credit limit

When payable

intrest rate.

 

HAK

Link to post
Share on other sites

I don't know how co-operative Lewis are going to be yet, or otherwise, as I previously dealt with GE direct, it is only since requesting the CCA that they have passed the account to lewis. My issue here is that GE do not have a valid CCA and yet they have passed the account to a third party, and they all appear to be ignoring the fact that the debt is unenforceable. The account is in dispute (no cca) so surely it should not have changed hands.

Link to post
Share on other sites

I also need a more upto date version of section 60, so I know what the prescribed terms actually are, for this APR/interest argument I mentioned earlier in this post.

 

I think both are in the 1983 updated act but I can't find a copy!!!!!

 

I have a copy:

2.Consumer Credit (Agreements) Regulations 1983.pdf

Link to post
Share on other sites

style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 4963 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

Guest
This topic is now closed to further replies.
  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...