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    • Any chance of some advice with filling in the N164 please?    I've sent an EX107 to the Court to request transcript of the Judgment to use in an appeal but the Courts still haven't actioned this and my 21 days expires on Tuesday
    • 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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    • 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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overdraft stopped, taken working tax credit


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Hi I am self employed, and frequently use my overdraft. I had a tax credit payment paid in, and paid 200 cash in to cover a direct debit, and they have taken it from the overdraft so my available credit is zero. I am at my wits end, don't know what to do.

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OK, been reading up on this. Basically I'm a self employed driver and I have had an account with Halifax for years. I had a £2000 overdraft which I reduced to £1990 when they restructured their charges late last year. I am never in the black but usually keep below my OD limit to varying degrees.

 

My car broke down on 1st Feb and due to various cock ups in parts delivery by the Royal Mail, and other factors beyond my control I was without it for a whole week, therefor could not work. I Knew my car finance payment was due on 12th so went in branch yesterday to pay in to cover the payment. When I got home I tried to put some credit on my phone and it wouldnt accept my card. I went online and it was then that I noticed my OD limit was reduced to zero, and that a tax credit payment had been paid in and my available balance was zero.

 

I phoned immediately and was told that apparantly they did a review and there was something on my credit file. I Have applied for the 3 statutory files and the one I have so far has nothing adverse on it. I spent an hour and a half on the phone to them explaining that if they do this I will not be able to work but they said I can still run my account and pay off the OD. How can I run my account if they won"t pay any of my bills? How can I live when they are taking my tax credit?

 

I have been reading through threads on here, and wondered if this comes under BCOBS as on a thread I have read it says

 

"• unexplained peremptory withdrawal of overdraft facilities - once again, the length of time that the account or overdraft has been in place is highly relevant - especially in respect of small businesses"

(http://www.consumeractiongroup.co.uk/forum/content.php?827-Examples-of-unfair-treament)

 

I was wondering if I should ring and quote this to them, and if anyone could point me to the section of BCOBS that refers to this. Also can I quote 'appropriation' in regards to the tax benefits?

 

Thanks.

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I have drafted the letter below and would be grateful if anyone more articulate than me could check it out. Any suggeastions for improvement gratefully recieved!!! Thank you.

 

I am writing to complain about your treatment of me as a long term customer in light of my recent financial difficulty, which was communicated to your customer services representative on 11th February 2013.

 

I am a self-employed driver and I have had an account with you for many years. I had a £2000 overdraft that I reduced to £1990 when you restructured your charges late last year.

 

My car broke down on 1st Feb and due to various errors in parts delivery by the Royal Mail, and other factors beyond my control I was without it for a whole week, therefore could not work, so did not earn anything. I Knew my car finance payment was due on 12th so went in branch yesterday to pay in £200 to cover the payment. When I got home I tried to put some credit on my phone and my card details were not accepted. I went online to check my account, and it was then that I noticed my OD limit was reduced to zero, and that a tax credit payment had been paid in and my available balance was zero.

 

I phoned immediately and was told that apparently you did a review on my account, and that you found something on my credit file. I have applied for the 3 usual statutory files, and the one I have so far has nothing adverse on it.

 

I spent an hour and a half on the phone to your CA explaining that I will not be able to work now, and therefore will earn nothing, but your CA said that I can still run my account and pay off the OD. How can I run my account if no bills are going to be paid? Also how am I expected to live when you are taking not only my earnings but also my tax credit payments?

 

My complaint is, therefore, that I have been treated unfairly under the Banking Conduct of Business regulations, which states that it is unreasonable for the bank to make unexplained peremptory withdrawal of overdraft facilities - the length of time that the account or overdraft has been in place being highly relevant - especially in respect of small businesses.

That I have not been treated fairly and I also assert that my tax credit payment should not have been withheld under the rules relating to ‘appropriation’, specifically:-

 

BCOBS 5.1.3A

To ensure compliance with its obligations under BCOBS 5.1.1 R and Principle 6, on any occasion where it proposes to exercise a right of set-off, a firm (other than a credit union) should, with respect to its dealings with consumers:

(ii) the consumer has received that money from a government department, local authority or NHS direct payment body for a specific purpose or is under a legal obligation to a third party to retain and deal with that money in a particular way.

 

BCOBS 5.1.3B (1) 2If it becomes apparent to a firm after it has exercised a right of set-off that it has set off or combined a debt due from, or a debit balance on an account held by, a consumer against or with:

(a) the consumer's subsistence balance; or

(b) money payable by the firm to the consumer, or standing to the credit of the consumerin an account held with the firm, that falls within BCOBS 5.1.3AG (2)(b)(i) or (ii);

the firm should refund to the consumer the sum debited from the account of the consumer in exercise of the right of set-off unless it is fair not to do so.

 

BCOBS 5.1.4 Dealings with customers in financial difficulty

Principle 6 requires a firm to pay due regard to the interests of its customers and to treat them fairly. In particular, a firm should deal fairly with a banking customer whom it has reason to believe is infinancial difficulty.

Edited by john
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Responding to your PM John,

 

I wil get back to you shortly.

 

Regards

 

Andy

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Hi John

 

Re your proposed letter

 

There is a statute that states your benefits cannot be taken for a debt, You can find this under The Social Security Administration Act 1992 under number 187.

 

Link :- http://www.legislation.gov.uk/ukpga/1992/5/section/187/enacted.

 

I would also advise you to ditch this crew now and open a basic current account with another bank not connected.

 

Regards

 

Andy

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Appreciate that John ...but in the meantime they wont be getting their mites on any further monies. Dont forget to inform Tax Credits of your new account number.

We could do with some help from you.

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Result - decided to phone first and quote a few legalities at them. Didn't need to they've agreed that if I go into branch tomorrow I can withdraw all my tax credits.

 

New account opened, as I said, all dds and sos cancelled. Changed bank details with tax credits and can start re-instating all my other payments.

 

Now will wait for Halifax to demand repayment of the overdraft!!!

 

Thanks again Andy

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Glad you got that sorted john, I was also with HBOS for years when I was self-employed, they were a total nightmare could'nt give a jot if you needed help or not, some years ago I claimed back a few grand in Bank Charges, they closed my account of 25 years !!!

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To be honest its probably a good thing, kick up the bum so to speak. Just need to pay off the OD gradually now. Seems like all the banks are the same now, business first customers last!!!

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Isolation is the only course of action once they have you on the Overdraft roundabout.Create a paper trail John now of your offers /proposals to settle the O/D and their responses.Invite any payment plan to be confirmed in writing.

Collate any notices received of intended litigation and Demand termination Notices.

 

Maybe a good ideal also to do request a D.S.A.R on the account now to quantify all the charges and interest....they may well Litigate.

 

Regards

 

Andy

We could do with some help from you.

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Strange, went into branch to get the tax credit payments, (took over an hour) and was told by one of the staff that halifax and Lloyds are splitting and the cooperative bank taking over some of their business????

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http://www.bbc.co.uk/news/business-18898125

 

You didnt open your new account with the COOP did you? :wink:

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I heard that the Co-op have bought a number of Lloyds branches, about 300 I think. I moved to the Co-op two years' ago after major issues with Barclays, and they have been absolutely terrific. The call centres are in the UK and everyone I have spoken to has been very pleasant. The only slight problem has been the lack of branches so if you want to ensure when a cheque goes in you have to drive to a Co-op branch. If you pay in at Britannia (who they are linked with) or a post office then it can take several days for a credit to appear on your account as they get posted to the processing centre, and not every day. In a recent survey in a women's magazine, the Co-op were not included due to their small number of branches but the article mentioned how much very positive feedback they had received about the Co-op.

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