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    • 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   
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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.
      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.

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Lowell's/Hampton's - claimform - Barclaycard debt - 20k - Help


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Hi Stroud.

 

I will run through your thread shortly and get back to you re defence.

 

Andy

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Thanks Andy!

 

& thanks to citizenB as well, sometimes I cant see the wood through the trees!! I have now seen the donate button :) all done, hope to keep helping you helping consumers over the next couple of threads as well...

 

I have a huge possible donation available with regards to DB that hurt us a couple of years ago and have now written to us... will let you know when I have finish this one :)

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Thanks for looking in andy.. :)

 

I am not in the least surprised at the attitude of Lowells, stroud :( I think they must absolutely hate it when people defend :lol:

 

I am rather surprised that they arent taking legal advice themselves.. as they would surely be advised they are not doing things by the book.. but hey.. what is new with this crowd?

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PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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To be honest citizen I did get into all sorts of trouble back in 2007 when my businesses went bang, I did get blagged into a dodgy self certified mortgage in 2007 by a broker as we had £200k in the house, so we took out £100k to raise cash to pay things off ( this is the DB thing I mentioned, they did a complete number on us, but by the letter we have recently received by db and FSA we may get something back ), we did however settle nearly all the debts, just one with Lowells was left from back then which we agreed to and oddly enough paid off last month.

 

For the last 6 plus years we have asked them for the proof of the debt, 4 / 6 weeks ago I asked them including confirming on a phone call to a supervisor that I required CPR, that was after reading your site, had nothing through then they added the interest taking it to nearly £22k - are they mad?

 

I give them time to produce the normal docs and they put the phone down on me!

 

It's outrageous!

 

You guys and girls are angels, if you need any free design, advertising or promotion just give me a shout, I will continue to donate as often a possible!

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:thumb:

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Uploading documents to CAG ** Instructions **

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4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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The Claimant claims:

 

1. 16841.62

2. Statutory interestlink3.gif pursuant to section 69 of the county courts act ( 1984 ) at the rate of 8% per annum from 21/05/08 to 20/10/11 4595.69 and thereafter at a daily rate of 3.69 to date of the judgement or sooner payment.

 

Agreement xxxxx ; 21/05/08 ( my agreement with them? )

 

Claimed £21,437.31

 

Court Fees £310.00

 

TOTAL £21747.31

 

 

Assuming this is Statute Barred ( without all the details )

 

 

Here is a form of limitation defence to a claim based upon a simple contract. There may be other grounds of defence inthis particular case, but this defence alone will serve to defeat the claim assuming the facts stated in it are true.

 

 

 

1 The Claimant's claim was issued on (date).

 

2 The Claimant contends that the Claimant's claim so issued is a claim in contract and is statute barred pursuant to the provisions of section 5 of the Limitation Act 1980. If, which is denied, the claimant contends that the Defendant is in breach of the alleged contract, in excess of 6 years have elapsed since the date on which any cause of action for breach accrued for the benefit of the Claimant.

 

3 The Claimant's claim to be entitled to payment of £x or any other sum, or relief of any kind is denied.

 

I BELIEVE THAT THE CONTENTS OF THIS DEFENCE ARE TRUE.

 

Signed:

 

Regards

Andy

Edited by Andyorch
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We could do with some help from you.

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Dear Andy,

 

Thanks for your help so far with lowells, does it matter that I don't even know what debt they are talking about ?

 

They have never sent any documentation or agreement therefore I don't even think i have a debt for this amount with barclaycard? I did have a barclays select account which was owed £15k in 2005 and I settled it, also i did have a barclaycard back in 2004 which I also believe to be settled, this also didn't have a high limit so could not have been for £16k however cant find any paperwork at all and a call to barclays didn't help either.

 

If I am saying that i believe it to be statue barred is that acknowledging the debt....

 

You know best sir!

 

I am completing online tonight and sending recorded tomorrow , deadline is 23rd, still heard now't from Lowells!

 

I never had an agreement with them either?, sorry, what do you mean ' without all the details ' ? am I being stupid, I don't include that do I ?

 

I'm good at advertising and design but not law or letters ;)

 

Thanks again

 

Dave

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Dear Andy,

 

Thanks for your help so far with lowells, does it matter that I don't even know what debt they are talking about ? No its for them to prove the claim

 

They have never sent any documentation or agreement therefore I don't even think i have a debt for this amount with barclaycard? I did have a barclays select account which was owed £15k in 2005 and I settled it, also i did have a barclaycard back in 2004 which I also believe to be settled, this also didn't have a high limit so could not have been for £16k however cant find any paperwork at all and a call to barclays didn't help either.

 

If I am saying that i believe it to be statue barred is that acknowledging the debt.... No its simply defending your position if you dont they will get judgment by default

 

You know best sir!

 

I am completing online tonight and sending recorded tomorrow , deadline is 23rd, still heard now't from Lowells!

 

I never had an agreement with them either?, sorry, what do you mean ' without all the details ' ? am I being stupid, I don't include that do I ? No thats me without all the history to hand

I'm good at advertising and design but not law or letters ;)

 

Thanks again

 

Dave

 

No problem Dave hope it does the job.

Regards

Andy

We could do with some help from you.

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Hi Team,

 

Sent my defence yesterday by email and by recorded delivery.

 

Have had a letter from Hampton's today, yesterday was the final day for defence.

 

Letter goes like this....

 

 

Lowell Portfolio I ltd V Me

Claim Number -

Ref -

Original Client - Lowell Portfolio I Ltd ?? - how are they the original client

Original Ref:

Balance - £21,872.80 - it has gone up nearly £150.00

 

Dear Mr xxx

 

We write in reference to your recent correspondence, the contents of which have been noted.

 

We can confirm that we have requested documents from the original client which will be forwarded to you upon receipt.

 

Please note that the is no legal obligation that states we must send this information within a certain period and we advise that, as we do not hold copies of these documents within our offices, we cannot state a time period in which these will be received.

 

We trust this is satisfactory and if you have any further queries in the mean time then please don't hesitate to contact us on 0113 308 60xx

 

is this right ?

 

Thanks

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Thanks for your comments....

 

Should I leave it now I have put forward my defence?

 

Could they say that they had informed me that the documents would take a while, saying that they trusted this would be satisfactory....

 

or should I write back saying that this is not satisfactory and that they are legally required to produce the documents requested :)

 

Thanks

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It basically means they have nothing but will try (yea right) let them take as long as they wish your defence is submitted now and its SB anyway.

 

Andy

We could do with some help from you.

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Yes it is deliberate misinformation the time

limits are laid down in guidance and CCA 1974.

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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Thanks again people :)

 

 

Further to your letter received today 24/11/2011, I see you are trying to confuse matters with regards to your claim.

 

You note that you are claiming now £21,872.80 for your Original Client – Lowell’s Portfolio Ltd which is different to the claim form I have received, I see that you must be adding interest for the amount claimed to have jumped by £150 in a week or so, Just to state I have never had or have taking out an agreement with Lowell’s!

 

You state there is no legal obligation to send out information or documents that have been requested under CPR 31.14 within a certain time limit and that you cannot or will not state how long it may take, this is exactly the response’s I have had from every different part of the lowell’s group for some 6 years.

 

I would hope you could understand the stress that you and your company has put on us over this time period, you want a family with children to care for including a child with special needs receiving disability allowance to pay you nearly £22,000, for something we believe to be paid.

 

I have two documents for Barclays one is a select account which did default, but was paid in 2007 and the other a Barclaycard that shows a zero balance, the last payment to this was in 2004.

 

I am not sure if I should be contacting you with regards this matter anyway as you are not listed on the claim form, I had to post my defense on the 22nd as you were aware, which has been done, also I think you will find that with regards to time limits you are incorrect as they are clearly laid down in guidance and CCA 1974.

 

To answer your letter this is not satisfactory, however it is what I have come to expect with 6 years of harassment from your group of companies

 

Regards

 

 

This OK to go :)

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CPR requests are usually expected to be dealt with within 10- 14 days, there is no provision laid down on a time limit, its just considered civil.

With regards to above letter IMHO I would not waste a stamp.

 

Regards

 

Andy

We could do with some help from you.

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As andy says, you dont have to respond to them now.. your defence is in.

 

It is fairly obvious from their last response to you that they were hoping that you would just hang in there and wait on them providing information at their leisure.. that way they would obtain a Judgment by default. You have scuppered that for them :)

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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So now I just wait to hear then :)

 

What happens if they don't do anything in the 28 days? The matter is stayed until (if) they decide to lift and proceed.

Should I expect to hear from them again in a year with the same claim...Possible but you could object

Thanks

 

d

 

Andy

We could do with some help from you.

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Hey :)

 

Just thought I would drop in advice that no news at the moment.

 

No doubt they will it till the 24th December.... BAH HUMBUG!!

 

I have another couple of delightful issues to post one from DB Mortgages... as we were one of the few that consolidated due to company failure, were ripped by a broker ( paid £12,000 ) by DB only to be bent over on rates and a mortgage that goes 5 years beyond retirement.... PLEASE SIR.... I DON'T WANT ANYMORE! ;)

 

Anyway chat soon and to all a debt free Xmas!

 

Unlikely here!

 

Dave

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  • 2 weeks later...

And a Happy Christmas to you as well, stroud :)

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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