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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   
    • Ms Vennells gave testimony over three days, watched by those affected by the Post Office scandal.View the full article
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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.
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      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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Kensington Mortgages


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I also had a nightmare trying to find out what Kensingtons SVR was, everytime I phoned to ask I was told it was different per customer - I think they get confused with the individual account loadings. Anyway I didnt get anywhere, despite several phone calls and checking the internet. In the end I had a brainwave, I phoned their new business dept got the number from their website and low and behold they told me the SVR - apparantly it differs depending on what number your account starts with!!!! I assume this is for mortgages or secured loans. Hope this helps. I found the whole thing very odd, why is their SVR such a closely gaurded secret, I started to suspect a major fraud, how can we check if we are being charged the correct rate?

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Short answer - no, it does not justify the charge.

 

You have ever right to reclaim these unlawful charges.

Brilliant, i must have over a grands worth of charges as my account has fell behind twice due to the sale of my house falling through. Whats the best way to start a claim please? thanks

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I think you follow the proceedure as for bank charges but adapt the letters and then if you have no joy you go to the FOS not court. That is the process some successful cases have used.

Please note I am not an expert - I am not offering opinions or legal help - Please use all the information provided on the site in FAQ- step by step instructions and library- thanks Jansus:)

http://www.consumeractiongroup.co.uk/forum/images/icons/icon1.gif

offer from A&L 24/8/07 - after case stayed

 

"What makes the desert beautiful is that somewhere it hides a well." - Antione de Saint Exupery

 

 

PROUD TO BE AN ORANGE

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I also have a mortgage with Kensington and applied for mortgage rescue. In the mean time had to go to court to stop an eviction. Now they are refusing the mortgage rescue with Charter Housing until the arrears are paid saying this is their policy. If we were in a position to pay our arrears we wouldn't need the mortgage rescue package. Which was going to pay our arrears and a lump sum off our mortgage.

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  • 3 months later...

So KMC worker, in your post you admit your borrowers have been allowed by KMC to borrow more than they can afford. I call that irresponsible lending.

 

Any worthwhile institution allows for a certain amount of borrowers who may fall into arrears through no fault of their own and calculate that within the interest rates they charge - not kick a person while they are down and charge them monthly fees just for being in arrears - irrespective of how much admin is actually involved - kicking people when they are down.

 

In view of the current climate you should think how you would be feeling in thier position. After all it could be you next.

 

And yes I have worked for a much larger institution than you in the possessions/arrears department.

Please note I am not an expert - I am not offering opinions or legal help - Please use all the information provided on the site in FAQ- step by step instructions and library- thanks Jansus:)

http://www.consumeractiongroup.co.uk/forum/images/icons/icon1.gif

offer from A&L 24/8/07 - after case stayed

 

"What makes the desert beautiful is that somewhere it hides a well." - Antione de Saint Exupery

 

 

PROUD TO BE AN ORANGE

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Well Janus people who lie on there applications forms are not down to us but we are looking into these cases now and taking further cation where they have lied as it is plain and simple fraud. if people fall in to arrears through no fault of their own they should let us know and we will sort it but if you all do is complain about us then shut it and get on but if you want to sort it get on the and do something about it

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Excuse me??? you dont check salaries /look at bank statements or check income - as I say irresponsible lending .

 

Are you not responsible for your companies money - dont you owe your borrowers and your shareholders a duty of care to at least carry out elementary checks to avoid the situation you have described?

 

The property and a persons income and ability to pay is your companies security so not to ensure your companies funds are being used in a responsible way is asking for trouble as far as I am concerned.

Please note I am not an expert - I am not offering opinions or legal help - Please use all the information provided on the site in FAQ- step by step instructions and library- thanks Jansus:)

http://www.consumeractiongroup.co.uk/forum/images/icons/icon1.gif

offer from A&L 24/8/07 - after case stayed

 

"What makes the desert beautiful is that somewhere it hides a well." - Antione de Saint Exupery

 

 

PROUD TO BE AN ORANGE

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Tell you what if you are having problems give us a chance to sort it give us a call tomorrow and ask the person you speak with to go through the toolkit with you. We can offer concessions, arrears capping, if you want to sell your house we can offer a assisted sale where you can stay in the house until it is sold. I dont mean to get people's backs up but it does work both ways and you cant blame it all on Kensington.

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I have been there for about 3 years and things have changed big time, if you are still with us, call us and we can sort it out if you are having problems still, the last thing we want to do is take your house.

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these things happen and i have learned to live with it (and i'm still paying for it) but you can see why people get upset, you may be very different now but that wasn't always the case and a lot of us talking about our experiences are talking about it from some time ago

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I can understand why people get upset, but i have seen accounts where people have not made payments for 3 years and then get upset when we take action. we are very different now, new management, new staff and alot more customer focus

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well let's hope that what you say here is echoed throughout the company, i wouldn't want anybody else going through what i had to (and i can assure you that it was nowhere near 3 years and wasn't even three months)

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yes lets see what complaints come up against your company to see if you have had to adhere to the new protocol rules.

 

As far as payslips go - you can always check bank statements to check the pay has been credited each month . thats what my lender did it takes 5 mins and then you will be safe from that fraud. So sorry that does not wash with me.

Please note I am not an expert - I am not offering opinions or legal help - Please use all the information provided on the site in FAQ- step by step instructions and library- thanks Jansus:)

http://www.consumeractiongroup.co.uk/forum/images/icons/icon1.gif

offer from A&L 24/8/07 - after case stayed

 

"What makes the desert beautiful is that somewhere it hides a well." - Antione de Saint Exupery

 

 

PROUD TO BE AN ORANGE

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  • 1 month later...

Well I am too with Kensington. They are repossissin my property this week.

 

i can assure when i have tried to resolve issues with kensington, they are extrememly unhelpful.

 

I am tired and ashamed by the whole thing. i have struggled for years to hold onto my home. i have tried to sell but the sale fell through. I have another potential sale but now its too late.

 

I had a car crash and lost my baby. It was not my fault but I am depressed. i want it all to end but I dont even have the strength to tell anyone.

 

No one wanted to help when I asked. Kensington aren't open to offers and i can assure you all they say when i call and beg for help is we need the full arrears to stop any action.

 

I give up. i always paid my bills, always looked after my home, took pride in my work. then i lost my job. got another, lost that. Got cancer became ill and it was all too much i just stuck my head in the sand. I couldnt cope.

 

Now I am paying the price over a £25k secured loan!

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hi donein i'm really sorry to hear what you are going through. You will receive all the help we can muster on this site so i think you should start your own thread and tell us everything so we can help. If nothing else you will get moral support from those of us that have been through it and come out the other side;)

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  • 4 weeks later...

Keep your chin up donein and try and be strong. Very sorry to here of your loss. Kensington make up their own rules but fortunately people are fighting back. Although interest rates plummeted last year, they kept me on an extornionate rate which they shouldnt have done. Only when I stopped paying them did they reduce my payments. Law firm is currently dealing with this

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Keep your chin up donein and try and be strong. Very sorry to here of your loss. Kensington make up their own rules but fortunately people are fighting back. Although interest rates plummeted last year, they kept me on an extornionate rate which they shouldnt have done. Only when I stopped paying them did they reduce my payments. Law firm is currently dealing with this

 

Hi Steve wondered if you could help me with a problem with Kensington could you send me a contact email address through the private email box and i will then be able to let you have the details to see if you can help thanks and kind regards irishstar:oops:

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  • 2 weeks later...

Hi all,

Ill try and be as clear and quick as possible, but I also, well my wife and I and the three kids got done over and stitched right up by Kensingtons about 3 years ago now. We had a mortgage for 180K, which started off as £1100 per month. I was a contractor so could not get a high st lender mortgage, but I thoughts whilst they were expensive, id be ok. 16 months later, we were being hiked for £2200 per month, charge were being added it seamed like daily, we could not get any help or even discussions with Kensington even if we managed to get through to them via the phone. They were very rude and I am sure they have an internal process for actually making sure people default on their mortgages, end up losing their house or end up having to pay ridiculous early redemption fee's by selling their homes to avoid being repossessed. The later is what we managed to do in the end, but we had to pay a 20K redemption fee. It nearly ruined us, the youngest child had meningitis at the time and was in hospital for weeks, he nearly died, Kensingtons didnt care. It was a case of repay the arrears or lose your house. The good news is this. We went renting and have now managed to secure a high st lender mortgage. We move into the new home in December. The better news for everyone on here with similar stories is we/you can now reclaim some if not all of those charges you were levied with by Kensingtons. New government legislation has been introduced where any unfair charges or redemptions fees applied by these so called sub prime lenders can now be claimed back! We are in the process of doing so ourselves, directly with Kensingtons via our IFA who is charging a flat £400 for the work. He thinks we can claim back most of the £20K redemption charge, plus a good percentage of the monthly charge we were levied with. So, I beg all of you, please please contact your local IFA to do the same. I can assure you that people are doing this all over the country and they are winning their claims. The whole process will take a number of months, but it will be worth it. You'll be able to go to sleep one night knowing you finally got one over on the FCUKERS that are Kensington mortgages. Sorry for the bad language, I am a very mild mannered person, but Kensingtons nearly drove me to all sorts of feelings and places I would not want to revisit. They are the **** of the earth and anybody who works for them who comes on here backing them up are also **** and they know it. I will come on here weekly and give you an update as to how our claim is going and if anybody wants any advice or names of people they could contact for help, please let me know. I hope everyone going through the Kensington treatment or have previously can stay strong and battle through. Don't let them win, as a group we can win.

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