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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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    • 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.

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      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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Very.co.uk Debt, Advice needed


James220
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Thanks for the great advice Guys although I'm still unsure if its worth sending a CCA,

 

I Recieved a acknowledgement letter for the SAR so hopefully they should be sending me details on all the charges asap,

 

Im not sure what you mean by "Catalogue cd" Ford?

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its a cat debt

cat forum.

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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  • 3 weeks later...

I finaliy received all the infomation requested with the SAR and each of the £12 charges amount to £324,

 

Now all I need to do is workout the interest thats been added to the charges as they date back from 2007 upto 2012.

 

The interest rate states 44.9% on my account so how would you best advice I work this out? as like i said the charges date back to 2007,

 

Thanks

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please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Thanks dx,

 

I've completed the The CI Sheet, So now I asume I send a print out of the completed CI sheet with the Reclaim charges Letter template to very?

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please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

Ok so as well as sending The completed CI Sheet with a reclaim charges letter, I should also send a complaint letter in a seperate envelope?

 

Also I'm in the process of setting up a debt managment plan with CCCS so would you advise me to deal with getting these charges back now or after the dmp is in place?

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makes no odds really

 

SOC and Complaint leter in same env is ok

 

what was you total?

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

Hello James i had a debt with very from 2006, After the same issue of mass intrest and mass charges i decided to CCA them as of the advice from this site, I owed them £1,785 after all the charges etc, They had no signed agreement they tried fobbing me off with current terms and conditions, but after a letter back they sent me a letter back telling me they no longer will be persuing me for the debt, NDR money took ages to actually speak to very to get it sorted but since September 2011 heard nothing and the debt is no longer on my Credit report. So for a £1 CCA request get on it mate

 

Cheers

 

Journey Man

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Hi journy man, A signed copy of the consumer credit agreement, which I must have signed back in 2005 came with all my other account information after sending the SAR ,

 

So unfortunately I can't get them to write the debt off like you did :x

 

The signed consumer credit agreement they sent me does state a interest rate of 32.9% though so maybe i can get somthing back there? As the current interest rate is 44.9%

Edited by James220
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  • 4 months later...

Hello Everyone, i am currently going through the same experience with very; but due to loss of job and financial tightness, i struggled a little with paying off my monthly minimum balance. I was able to pay this up ontill November 2011, then stopped and paid again in January. Since January 2012 i have not been abale to put in any payment; it's really been challenging money wise. I called them in March to try and arrange a better payment plan and request for a freeze in this rediculous charges and interest but was told it would not be possible. The interest keeps mounting and i'm totally unsuere what to do. Again, this morning the debt recovery unit for very called me and i requested them to freeze my intrests or debt letter charges as i'm unable to make any payments before the 24th; i just got a new small job. The lady on the phone waas so impatient and was not communicating; she was just too fast for me to comprehend anything. So i asked her to ring back in the evening. Can someone advise if the above advice is ok to follow? Request a SAR with £10 fee, fill out the CIC form to calculate claim, a complaint letter expressing my disatisfaction and a CCA? What is a CCA and how do i get it? Thanks for your help.

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Hello Everyone, i am currently going through the same experience with very; but due to loss of job and financial tightness, i struggled a little with paying off my monthly minimum balance. I was able to pay this up ontill November 2011, then stopped and paid again in January. Since January 2012 i have not been abale to put in any payment; it's really been challenging money wise. I called them in March to try and arrange a better payment plan and request for a freeze in this rediculous charges and interest but was told it would not be possible. The interest keeps mounting and i'm totally unsuere what to do. Again, this morning the debt recovery unit for very called me and i requested them to freeze my intrests or debt letter charges as i'm unable to make any payments before the 24th; i just got a new small job. The lady on the phone waas so impatient and was not communicating; she was just too fast for me to comprehend anything. So i asked her to ring back in the evening. Can someone advise if the above advice is ok to follow? Request a SAR with £10 fee, fill out the CIC form to calculate claim, a complaint letter expressing my disatisfaction and a CCA? What is a CCA and how do i get it? Thanks for your help.

 

start a new thread

see below

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Just to update on this:

 

I have not received any money back from very or a reply to The completed CI Sheet with a reclaim charges letter,( sent twice via recorded post)

 

Although I did get a reply from the complaint letter basicly Telling me that they felt I was delt with fairly and they now consider my complaint matter closed (so that was a waste of time)

 

They have now stopped the charges but only because I'm now on a debt management plan with CCS,

 

Do you think I still should be able claim back the charges and if so whats my next step?

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If that was their final response then escalate the matter to the FOS.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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if this is their first refusal

 

write back stating the fsa stuff about their findings did not give creditors permission to levy a PENALTY charge

whatever its level, esp a fixed blanket one , without giving a true accoun of their costs incurred

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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  • 4 years later...

Sorry for unearthing such an old thread. But i am in a simialr situation and need a little advice. I fell into arrears with my Very account simply because those BNPL charges hit rather costly, which in turn made my monthly installments reach a whopping 200+ per month. I politely contacted them around a year ago and after many back and forth telephone calls and emails managed to agree a year payment plan of £70.

 

I haven't missed a payment since setting this up, then this morning I recieved two letter on through my door. The first being one demanding a payment in full of a staggering £489 arrears payment followed by the same for the foreseeable future. The second was a letter telling me my payment reached them a day late, how and why this happened I don;t now, as I pay this every month at my local post office ono the exact same day, and this has never arisen before now! I'm both letters arrived on the same day, so even if I had the spare almost £500 floating around I wouldnt have had time to correct the problem at hand.

 

I'm really not keen on calling them, as everytime I have done in the past they are very rude and rather obnoxious with me, and I find myself getting past from pillar to post with little to no resolution being offered at the end of it for my efforts. What can I do leaglly to correct this matter? As all I want to do is make them a sensible offer and get this debt paid up without the threats and nasty letters arriving through my door.

 

Thanks in advance for any help you may have, It's all very much appreciated.

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You need to start a new thread

Of your own please

 

Dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

Thread now closed to stop newbie bumpings since 2012

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

style="text-align: center;">  

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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

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