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    • 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
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Central Trust penalty charges - need help to raise a court claim


wellerman
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Hi am after some advice.

 

About three years ago

 

My wife and I were struggling on just my wage and running up quite a few small debts.

 

We foolishly took out two secure loans of 12 and 14k.

 

We have been paying these regulary.

 

When it all started going t*ts up with the banking industry they raised the interest rate.

 

We carried on as before but last week we received a letter saying they would probably be forced to raise the rate again

as they were only a small company and borrowing was becoming increasingly expensive for them.

 

As well as that they included a business card of a home finance company which they said might be able to help us out.

 

It seems they are trying to force us to borrow else were and pay them off.

 

Also can they just increase their rates when everyone else are dropping theirs.

 

Thanks for any help

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Hi.

 

Had the same letter today.

 

Put a rocket up their backside.

 

Told them it was just a marketing ploy and that they had passed my details to another company completely unsolicited.

 

They CANNOT force us to change to another lender and neither should you as it will generate money in commission for them

and off load their debt while costing you more "admin" fees.

 

They laid off 180 people this year and their managing director qouted "this is the darkest day for the company".

 

They clearly need to raise some cash.

 

They can raise their interest rate as its variable but they would have to justify it to the FSA.

 

I have asked them for an explanation in writing as how they think they can get away with this outrage.

 

If it is not satisfactory the copy of the letter is going to the ombudsman.Incidently does anybody know how much they can increase the rates by??

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  • 2 years later...

Hi

I have a mortgage of 84k with BM and two seperate secured loans with Central Trust.

 

Im self employed and

 

over the last few years have been ducking and diving to keep on top of payments.

 

One month missing one so I could pay the other that sort of thing.

 

During this time I have been hit by lots of charges.

 

Central Trust charge £60 a time not sure about BM but I want to claim these sums back now.

 

The thing I'm concerned about is that my mortgage has another 13 years to go and the loans 7 and 12,

 

how does threatening them with court action etc effect the relaitionship.

 

Can they try and foreclose ?

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They can't try and foreclose without good reason.

 

Calling the mortgage in and trying for a repo would need a judicial process so there would be scrutiny of what they are doing.

 

£60 charges is clearly against the rules - if you have followed the mortgage link and read the articles and the Fsa decisions.

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  • 1 year later...

Hi

 

have had 3 secured loans with Central Trust.

 

One was paid in full back in 2004.

This one had ppi despite me being self employed.

 

The reason for this thread is that due to my selfemployment there have been numerous missed payments

resulting in charges of £60 a time.

 

I understand about sending the SAR but what Im concerned about is that both of the loans

have at least 5 years to run and if I was to attempt to claim back the charges

can central trust threaten to for close the loans

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no they cant

they are NOT allowed to take ANY retaliatory action

 

so you've a PPI claim and a charges claim to do?

 

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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  • 11 months later...

I sent off the SAR and have received back copies of

the t&cs,

copies of wage slips,

homeowners application form,

the application forms etc,

 

but no statements.

 

On the covering letter they state our products were sold to you through brokers.

 

I dealt directly with Central Trust and didnt use a broker,

 

but see I have been charged £1100 and £1300 broker fees.

 

How do I get hold of my statements and is it ok for these two charges ?

 

Thank you for any help, finally trying to get my finances together

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then ask them where they are by letter

 

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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  • 1 month later...

Hi Dx have had all statements back now, and its showing charges ranging from £50 , £60 and £53.

How do I add interest to the claim ? The rates on the loan are 9.4% 10.65% and 11.15%

Thanks for any help

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were these loans refinancing each other or were they totally separate.

 

whichever you use

 

StatIntSheet v101.xls

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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you agreements should tell you the PPI you paid PCM.

 

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 weeks later...

what the spreadsheet

 

you'll need open office or excel mind

 

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...

sri what is not working?

 

 

you cant load the spreadsheet?

 

 

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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have you got office installed [excel]

 

 

or open office?

 

 

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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download the spreadsheet somewhere [say to your desktop.

 

then find it and open it

 

you'll need to click the top button to enable editing first before you can enter data.

 

once you've opened it to editing

 

save it under a new name

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 years later...

Not the speediest of responses!

I was fortunate enough to pay my mortgage and two central loans a couple of months ago.

 

Having done a SAR back in 2014 I wrote to CT asking for the repayment of £846 and £643 under the unfair terms in consumer contract regulations.

They replied saying they were totally just but offered £300 as a gesture of goodwill (5x£60)

 

After an email exchange and phone call I have now written to them giving them 28 days notice before I go to the small claims court.

I have also added 8% statuary interest.

 

I would appreciate any help on how to proceed with claim.

 

Interestingly my main Mortgage provider, unprovoked have written to us about our closed account.

 

They are refunding all management fees charged to the account since 1 Jan 2009 together with the interest charged on those fees.

They also offer the chance to claim any additional costs we may have incurred.

 

This was from Birmingham Midshires, does anyone think this strengthens my case against CT if other lenders are deeming the charges inappropriate?

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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

Received letter today regarding my letter 4/4/18 giving them 28 days notice.

There response being that they were sorry I was still dissatisfied with their Final Response Letter and that they have exhausted their complaints procedures.

Do I still have to wait the 28 days or can I proceed with case?

Thanks for any help

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