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    • Embracing your unique selfView the full article
    • Hearing held today in court. I attended in person and Evri had an advocate attend on their behalf to defend their position that my contract is with Packlink and not with them. I also provided a copy of Evri's terms and conditions which explains that a contract is entered into when a parcel is sent with Evri. The judge pointed this out to the Advocate and agreed there is a contract between me and Evri under the Ts and Cs. The judge explained that while Packlink are responsible for organising the delivery of the item, it is Evri who are responsible for handling the goods and delivering them, and therefor Evri has a responsibility to handle the goods with reasonable care and skill. So am pleased to say the judge found in my favour. Hearing lasted about 75mins. Evri has been ordered to make payment within 21 days. Also nice to meet @jk2054 in person.
    • Good morning,    I just wanted to update you on the situation.    I have visits piling up with my current employment and they need doing before I finish at the end of this month.  I am moving to Wiltshire in 3 weeks for a new job helping care homes with their Dementia patients. I tried to work it out and at a guess I will be doing about 20-25,000 miles a year. So need a vehicle that can cope with that mileage, my old car would have done it easy but 🤷‍♂️ I have taken out a loan and got a friend to find me a reliable car that can cope with the miles and hasn't been written off in the past.   I phoned Adrian flux to see if I could use the last months insurance on a new car I have bought, the girl I spoke to phoned Markerstudy and asked them but they said no, my new car doesn't have any modifications.    I had an email from someone who saw one of my appeals for information, they live near the site of the accident and know a nearby farmer who has a security camera at his entrance that catches the traffic and specifically registration plates as he has been robbed before. They said they would reach out for me and see if he still has the data. Unfortunately it wont catch the scene of the crash.   The Police phoned me and said they were closing the report I made, even if they found footage of the vehicle at the time I said the actual incident would be my word vs theirs.  My first response was I am sure google maps would show that they turned around at that location which would verify my version of events, but upon reflection I do understand, I have seen people doing make up with both hands while driving, eating from a bowl steering with their knees and veering all over the place. I am sure some of these people go off the road and claim that someone forced them off.    Markerstudy phoned me yesterday to say that my car is now at Copart, the £80 tank of Vpower diesel was emptied on entry to the site for safety reasons, which I get but it sucks.  It is awaiting being assessed and shouldn't be too long, which is a relief.  I am really glad things do not seem to be going the way of the other stories and they seem to moving quickly.   However I was informed that my car was a structural write off before I bought it - this destroyed me, I was almost sick.  and this is going to affect any offer of money - after hearing the first statement this didn't affect me.   They need to wait for the assessor to check it over but it is highly likely to be written off and the maximum they can offer is £2300.  I was desperate for a car as I was working for an agency at the time, no work no pay, and did not do a vehicle check because I didn't know about them.  The seller did not tell me that it had been structurally written off, he told me that it had the front wing damaged while parked and was repaired at an approved repairer.  Markerstudy records state that it was sold at auction, no record of repair at an approved repairer.  I bought it bank transfer with hand written receipt.    It gets worse.    It turns out my airbags should of gone off. For some reason they are not working. I think we can figure out why.  If I had hit that car head on and had no airbags.    Some good news.    I can arrange a time with Copart to go and take my stereo equipment and any personal items that are left in the car only. I cant live without music and need quality sound, my speakers and amps are Hertz and JLaudio, (no I am not a boy racer with booming subs, I am an audiophile on a budget) I was really worried I wouldn't get them back so this is a huge relief for me. It is stuff I have built up over years of saving and collecting. Everything to do with the vehicle and mods I have declared need to stay to be assessed.   The accident has gone as a fault on my record, I have to remove 2 years NCB which means I still have some to declare which is good.  So it appears at this point that it may be resolved quickly, not in the way I was hoping, but not as bad as I presumed it was going to be based upon that tow truck drivers attitude and behaviour and the horror stories I read.   I am not going to buy the car back and try to make money with all the parts on it, I don't have the time or energy.   I may need an xray on my back and neck.  The whole situation has left me feeling physically sick, drained and I need it done.   The lesson learnt from this  -  My conscience is 100% clear, my attitude to safety and strong sense of personal responsibility - A rated tyres even if on credit card, brake fluid flush every year, regular checks of pads and discs, bushes etc, made avoiding what I believed to be a certain broadside collision possible.   Get a dashcam (searching now for the best I can afford at the moment)  -  Research your insurance company before you buy  -  Pay for total car check before you go and see a car and take someone with you if you are not confident in your ability to assess a vehicle.      Thank you to everyone here who volunteers their time, energy and information, it is greatly appreciated.  You helped my sister with some advice a while ago but we weren't able to follow through, she is struggling with long term health conditions and I ended up in hospital for a while with myocarditis, when I got out and remembered it was too late.  I am going to make a donation now, it is not a lot, I wish I could give more, I will try to come back when things are on a more even keel.    Take care
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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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      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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Backdoor Aktiv Kapital/Hagerty CCJ - merged old Barclays OD+Credit Card debt - How Do I set aside? ** WON WITH COSTS **+ campaign to shut them down


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There is no doubt the CRAs alert the DCAs when someone joins up but I only had one DCA write to me in the aftermath and they were easily got rid of. I am a member of all 3 CRAs and they rue the day because I have constantly given them hell ever since!:D I have had 4 defaults and a search removed and I am not finished with them yet!:lol:

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I've just checked my credit report and cant see any defaults!

 

I defaulted on a credit card in 2002/2003 and I cant find any sign of my bad behaviour on creditexpert.com.

 

In fact according to the report my credit report is PERFECT despite constant searches by DCA who wont leave me alone!

 

What am I missing ?

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This is great! so does this mean I am now clear of my defaults?

 

another question, can you default on a default ? e.g. I was paying activ Kapital until 2 years ago, until they ried to screw me over (they added £2k of charges for no reason) and i told them Im not paying penny more, take me to court.

 

so can they default me, for defaulting on my "arrangement" with them?

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Ok Im still trying to get my head around this,I purchased my credit score today and was rated at 997, which I gather is respectable.

 

My credit report, shows that of £8k available credit, im not using a penny of it, my payment history for various things show no late or missed payments.

 

I have no defaults, CCJ or any kind of black marks.

 

The only negative thing I need to rectify, is that I'm not on the electoral roll.

 

However I do have 98 linked addreses (the vast majority are duplicates), however could my defaults be lurking at these addresses ?

 

Some of the links have been created by DCA's, will these effect my rating ?

 

theres nothing negative said about any of the links, just the name of the company who made them. but having a read about the forum here and elsewhere, theres seems to be a lot of concern about linked addreses.

 

so is it the case the my credit record is not clean at all ? and that on further inspection of my linked addreses people are going to find out about my adverse credit history ?

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However I do have 98 linked addreses (the vast majority are duplicates), however could my defaults be lurking at these addresses ?
No, your credit report is on you as a person not an address. There are no other reports for the other addresses.
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Congratulations:D

 

Thanks, but Ive just remembered I've got another outstanding debt that I have defaulted on but not been reported for. I didnt think it was a problem as it was not covered by the usual in & outs of debt defaulting and CRA's due it being a student loan. But from reading this site yesterday, its looks like they changed things last year and this might come back to haunt me!

 

As this is a separate topic and may prove useful to someone else, Im going to start a new thread.

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So why are there people on this site fighting tooth and nail with CRA's yo get linked addresses moved if they mean sweet FA to your credit report ?
If Mr Smith had a bad credit file while he lived at address 1 and then he moved to address 2 unless they could link the two addresses as far as they are concerned there are 2 Mr Smiths.
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If Mr Smith had a bad credit file while he lived at address 1 and then he moved to address 2 unless they could link the two addresses as far as they are concerned there are 2 Mr Smiths.

 

but this is my problem, I do/did have bad credit file at all of my linked addresses.

 

or what your saying is, is if at those linked addresses, if a bad credit file still existed, then that would show on my particulars on my credit report ?

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  • 3 months later...

Update: Have signd up for a CRA and my file perfectly clear, my rating 998 out 100 and I'm not even on the electoral register! Oh and there were no defaults there, although they were in the past (a woman in the bank showed me)

 

so first question is, now the deafult has expired does that mean it can NEVER EVER be reapplied to my credit record ?

 

regarding my debt, Aktiv are now trying to chase the debt through BCW, we've gone through the usual threatograms which always purport that I'm one step away from court action and this is my last chance but it never happens.

 

the latest is that I'm going to get a visit from a "Debt Investigation Officer", I'm not too particularly worried, but am wondering how best to handle it if they ever do show up? My tactic is to have AKTIV/BCW on permament ignore, i.e. all phonecalls and letters ignored. So I know that AKTIV/BCW are still going through the stage of trying to confirm who I am and I would like to maintain the status quo as long as possible.

 

Also I havn't CCA'd them, basically because I want to hold this off as long as possible as I dont want to end up playing letter tennis with them. Life is so much easier when you can read the letters and safely ignore them! However I am worried I may leave it too long and not be able to issue it. e.g. say they caught me unawares and issue a court order, would it be too late to CCA them at that point ?

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1. The default can NEVER appear again on your credit file.

2. If you don't want to admit who you are - keep ignoring everything. If someone arrives at your door refuse to tell them anything other than to go. If they don't (but they will) then ring the police - as it's then Breach of the Peace.

3. Otherwise you can write PROHIBITING them from calling on you - see templates re dooretep visits. You could possibly couple this up inthe same letter along lines of a PROVE IT letter - "I do not acknowledge this debt..." etc. BUT best to ignore as long as possible. If you know from the return address whom the envelope is from then just return it unopened marked "not at this address - return to sender"

4. Even if they DID issue court papers they would HAVE to give you ALL the info they had on you as part of the CPR requirements. - and if no valid CCA - then no possible chance of enforcement. I don't believe it will ever get to this stage.

 

I am currently "waiting out" to get to the SB stage on a Thames Credit/AK debt they foolishly bought from Egg a few months ago.

 

There are lots of other threads on how stupid AK are that should give you more encouragement - but I really don't think you need it!

 

Good luck.

 

BD

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  • 1 month later...

I've had a DCA track me down after 2 years, however I've had them on ignore and they have had no confirmation it is me they found. The DCA is aktiv (thames credit), they have passed on the debt to BCW, who have now passed it on to Philips. Philips have been sending me the standard threatograms, but today I've been given a "pay up in 7 days, non payment will result in the attendance and removal of good s without any further warning"

 

Can they do this ?

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I've had a DCA track me down after 2 years, however I've had them on ignore and they have had no confirmation it is me they found. The DCA is aktiv (thames credit), they have passed on the debt to BCW, who have now passed it on to Philips. Philips have been sending me the standard threatograms, but today I've been given a "pay up in 7 days, non payment will result in the attendance and removal of good s without any further warning"

 

Can they do this ?

 

Phillips also do debt collection and they appear to send their baillifs letters to frighten people.

 

They need a court order. Suggest that you check for any CCJ's and then check with the courts as to whether there is any enforcement order that has been granted. If they have an enforcement order then yes seizure of goods is possible.

 

http://www.trustonline.org.uk/

 

Don't open the door if these people turn up. Speak to them through the door and ask them to post any court order that they have through the letter box. You should have the chance to be able to look into the court order, so tell them to go away or you will call the Police.

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is a credit card debt, been with aktiv for years, was paying back aktiv but stopped when they added £2k of interest to my debt.

 

I moved a couple of years of ago and having getting sick of thame credit credit (hence user name) I decided not to bother with them anymore as its clear they dont have a CCA and I didnt see the point of going through rigmarole of playing all of the different games with them, especially since the original debt/default has dropped off my credit report.

 

so in essence, theres no CCA, hence it's never been anywhere near a court and no CCJ issued.

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If BCW are involved it is possible that they HAVE a CCJ, especially as you have moved. It will have gone through the Northampton Bulk Court System and have been registered at your former address. This is an old trick, so they may have a Warrant of Execution for Phillips to be able to act as Bailiffs.

 

You will need to check online and see if there is a CCJ - CCJs, court orders & fines - Search yourself and others - Trust Online

 

If this has indeed happened you will need to act swiftly and get the CCJ set aside.

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