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


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Hello all, newly registered but I've often come onto the site to seek advice through others threads. So here goes with my story. I have been in the payday loan trap for a fair time, now I want to get out. The debts that I currently have are as follows;

 

Speed Credit 300

PDUK 350

Wonga 300

Lending stream 775

QQ 650

PDExpress 400

24/7 Money 150

 

I've never written them out like this before today and that looks quite a mess. A summary of how I stand with them are as follows.

 

Speedcredit: Repayment plan over 3 weeks, will be paid by end of December, don't want to mess with these as they seem to be stubborn.

 

PDUK: £350 owed, repayment plan of £50 per month is agreed after I threatened to report them.

 

Wonga: Repayment plan of 3 monthly payments has been agreed.

 

Now the others are either not willing to listen or just won't reply.

 

Lending stream: saying £775 is owed on a £300 loan after a few missed payments. They told me £12 fee for every missed payment so I have calculated I should owe £610 taking these fees into consideration. I have told them about this and informed them I'd like to get into a repayment plan but haven't heard back.

 

Quickquid are adamant I owe £750. I informed them I was going to miss the next payment so I could set up a repayment plan. They ignored this and applied an extension. I missed this and the next payment so they want the loan amount plus interest plus this extra extension fee. I may have to let this get to debt collection as I don't have any money in the next few months and they don't appear to accept longer term plans.

 

Payday express don't seem to want to play ball. They said they only accept repayment plans for unemployed. Does anyone know if they continue to add charges.

 

24/7 moneybox: Only recently missed payment with these, I don't know how I should approach them, any ideas?

 

I am going to stick to the repayment plans I have in place, does anyone know how I can deal with the others. The problem is that I have no money at all until March due to these commitments. I doubt people will want to listen to a repayment plan starting in three months time, but once we do get to March I'd be in a position to settle them within 3 or 4 months providing the interest doesn't continue to build.

 

Any advice on how to deal with the various companies would be great. I've got an I&E sheet which I can send.

 

Also, I now have a different bank account and none of the companies have my card details.

 

Thank you guys.

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All you LEGALLY owe is the original loan amount and one months interest, read the PDL forums posts for each company to see how easy/hard it is to deal with them.

 

They cannot send round doorstep collectors to remove goods or visit your workplace and they cannot send a bailiff out unless they first obtain a CCJ, and you are a long way off that.

 

If any of them play up report them to

 

http://www.consumerdirect.gov.uk for the Office of Fair Trading

http://www.tradingstandards.gov.uk for Trading Standards

 

These companies are high profile at the moment so your complaint will count towards getting them curbed or closed down.

 

Don't forget to protect your income and get a new bank account with either the Post Office, Halifax Easycash Online account or the Co-op.

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Great, thank you, I'll have a look through the forum and read up as much as I can before I got back and make my offers.

 

Also, I have moved my funds to a co-operative bank account and none of the companies know neither my card no. or any of the bank details so I'm confident that I'm in control.

 

I'll update when progress is made and I'll look forward to any more advice anyone has got!

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  • 4 weeks later...
how did you get on? payday express have agreed a payment plan with me today and have also credited interest and late payment fees

 

My payday express one has been referred to the moneyshop. I sent them a copy of my finances which are tight until March and they they'd need payments in January and February to stop collection procedures so I offered them £20 in each of those months then £110 over the next 4 months (total owed is 440).

 

Lending stream were really good, dropped all the charges and started a repayment plan for £610 that I'll begin to pay in March!

 

24/7 have been the worst. When I said I had no money to freeze the account the guy in chat said I'd be dead within 3 days because I can't pay for food or drink. A few days before I'd offered £20 to freeze the account and they refused. They also called my bosses at work and informed them of my loan and gave them my personal mobile number! They're getting reported for that.

 

For now I've sent a long letter with all of the guidelines that they've broken and I'm waiting on a reply to that so hopefully they'll back down. If not I'll let it run it's course, I've got 8 emails that weren't replied to offering payment and the chat records where they refused payment.

 

If they want to take me to court I'll let them happy in the knowledge that I've done all I can to get the funds to them asap!

 

Glad to hear they are playing ball with you and thanks for asking how I'm doing!

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You HAVE to report them, no ifs or buts, this is very very much against the OFT Guidelines for Debt Collection and against the Data Protection Act. The guy who told you you would be dead in 3 days without food or drink is a headcase and he must be reported too...

 

Remember the OFT have payday loans in their sights at the moment so this could cost them their licence

 

http://www.consumerdirect.gov.uk for the Office of Fair Trading

http://www.tradingstandards.gov.uk for Trading Standards

 

Remember do not give them a chance to get you on the phone again and if they do email them with a formal complaint and details of the conversation - this is as much for your records as theirs.

 

You can block calls on most mobile phones so you could block them and not answer unknown numbers...

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Thank you sillygirl, I'll certainly be doing that, I don't want this to happen to anyone else in the future and fingers crossed they will not get their license renewed, they're terrible.

 

I also don't tend to answer my phone any more, I get about 10 missed calls a day from various numbers so I just leave them so I can deal with everything in writing.

 

And rebel, what would these credit union's be able to do to help me. I've had a quick read through the links and I've got a bit of an idea but I don't completely understand it!

 

Thank you for your continued help guys!

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Hiya... What did you say to Payday Express to make them give you a repayment plan??

 

Where QQ is concerned.. I think they make you run out of extensions before they set up a payment plan then they get the most money possible out of you!

 

I am trying to get payment plans set up for my loans.. do you contact them to pay as they don't have any of your card details?

 

AJ2012 xx

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Thank rebel, I've e-mailed my local credit union to ask about it!

 

AJ, with Payday express I just waited. I tried to set up plans with them before but nothing so I just ignored the calls and texts until they referred me to the money shop. Then I sent an I&E form to them and told them what I'd pay and when and that they could see that was all I could afford. They just agreed with that, the plan is over 6 months as well so they aren't too bad but initially they're terrible!

 

With Quickquid I didn't ask for an extension, just informed them that I wouldn't be able to make a payment. At about 3 in the morning I got a reply to the e-mail and 2 minutes later got an e-mail confirming my extension. I didn't request one and didn't sign anything so that's the sticking point, they're saying I owe them for that when I didn't want or agree to an extension! Anyone know what I can do about that? They're refusing to budge and I want to get a plan in place.

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