Jump to content


  • Tweets

  • Posts

    • Oh I see! thats confusing, for some reason the terms and conditions that Evri posted in that threads witness statement are slightly different than the t&cs on packlinks website. Their one says enter into a contract with the transport agency, but the website one says enter into a contract with paclink. via website: (c) Each User will enter into a contract with Packlink for the delivery of its Goods through the chosen Transport Agency. via evri witness statement in that thread: (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 I read your post at #251, so I should use the second one (and changing the screenshot in the court bundle), since I am saying I have a contract with Evri? Is that correct EDIT: Oh I understand the rest of your conversation. you're saying if I was to do this i would have to fully adjust my ws to use the consumer rights act instead of rights of third parties. In that case should I just edit the terms and stick with the third parties plan?. And potentially if needed just bring up the CRA in the hearing, as you guys did in that thread  
    • First, those are the wrong terms,  read posts 240-250 of the thread ive linked to Second donough v stevenson should be more expanded. You should make refernece to the three fold duty of care test as well. Use below as guidance: The Defendant failed its duty of care to the Claimant. As found in Donoghue v Stevenson negligence is distinct and separate to any breach of contract. Furthermore, as held in the same case there need not be a contract between the Claimant and the Defendant for a duty to be established, which in the case of the Claimant on this occasion is the Defendant’s duty of care to the Claimant’s parcel whilst it is in their possession. By losing the Claimant’s parcel the Defendant has acted negligently and breached this duty of care. As such the Claimant avers that even if it is found that the Defendant not be liable in other ways, by means of breach of contract, should the court find there is no contract between Claimant and Defendant, the Claimant would still have rise to a claim on the grounds of the Defendant’s negligence and breach of duty of care to his parcel whilst it was in the Defendant’s possession, as there need not be a contract to give rise to a claim for breach of duty of care.  The court’s attention is further drawn to Caparo Industries plc v Dickman (1990), 2 AC 605 in which a three fold test was used to determine if a duty of care existed. The test required that: (i) Harm must be a reasonably foreseeable result of the defendant’s conduct; (ii) A relationship of proximity must exist and (iii) It must be fair, just and reasonable to impose liability.  
    • Thank you. here's the changes I made 1) removed indexed statement of truth 2) added donough v Stevenson in paragraph 40, just under the Supply of Goods and Services Act 1982 paragraph about reasonable care and skill. i'm assuming this is a good place for it? 3) reworded paragraph 16 (now paragraph 12), and moved the t&cs paragraphs below it then. unless I understood you wrong it seems to fit well. or did you want me to remove the t&cs paragraphs entirely? attached is the updated draft, and thanks again for the help. WS and court bundle-1 fourth draft redacted.pdf
  • Our picks

    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 162 replies
    • 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.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      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
        • Like

Urgently need help re: Lpa receiver


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 3965 days.

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

Recommended Posts

Hi

 

Firstly, really sorry as I have posted this elsewhere but I think I may have not posted in the right place. We are desperate for some help and could do with some advice urgently.

 

There are a few points.

We had a loan for approx. £150K with Lloyds. This was to buy a business and business premises.

The business failed and Lloyds have now appointed an LPA to sell the premises (they did give us 3 months to sell/rent ourselves but we had no interest at all).

 

We had a letter from the LPA on 9th August. It said nothing really, no introduction as to who they were or what their role was. All they wanted was the keys to the premises. We contacted them and told them to stop any action as we were seeking legal advice. We also wanted to make sure that our loan agreement actually stated that Lloyds could could appoint an LPA (we had intended getting a SAR for all the loan agreement documents).

 

We have since had a letter saying that they were changing the locks and going in to drain the boiler etc and do a survey.

This, if the letter is correct, will by now have been done. How can they do this ??

 

I have read other Caggers saying that you shouldn't communicate with LPA's but we just don't know what our rights and what we should or shouldn't do. It would seem now though it may be too late and that they have changed the locks - how can they do that!

 

Another thing, more importantly is this, the property is a downstairs retail outlet and an upstairs self contained residential flat.

Both premises have their own address. The loan security was a first charge on the business premises and a second charge on our home. On looking at the loan agreement documents we have noticed that the first charge is named as the flat address and the shop address isn't mentioned in the agreement at all. I have this morning been trying to get an appointment with a solicitor to see if this is something we could use to stop the LPA but I can't find anyone locally that deals with this sort of thing.

 

We really don't know what to do. A colleague has said we should contact the bank immediately and tell them to put a stop on the LPA's actions as there are errors in the loan agreement, but is that the right thing to do ?? We are sick of feeling so helpless against these people who seem to just rail road over people like us.

 

Any advice would really be appreciated.

Link to post
Share on other sites

  • 4 weeks later...

Can anyone help?

 

An LPA Receiver has now been appointed for our business premises. They've been in and changed the locks (only giving us 24 hours notice !). Does anyone know who is responsible for insuring the property now they've been appointed - is it us or them ? We do have the property insured ourselves but they have not really communicated with us at all until today when they have asked for the insurance schedule to be sent to them as they need to be put on as the beneficiaries.

 

If anyone can help I'd really appreciate it as I don't know whose responsible.

Link to post
Share on other sites

Usually LPA receivers have a block policy to include all properties under their control

 

Thanks for this. That's what I thought would be the case so I don't understand why they have asked for our insurance documents. I don't want to cancel my policy and then find the property isn't covered and I'm responsible. Not sure whether to send them my documents for just ignore their request.

Link to post
Share on other sites

I am also having the same problems with Llyods and Halifax.

I have contacted the Finanacial Ombudsman who is investigating them and their practices.

 

The LPA receiver appointed by them was forced to resign by them .Now he is refusing to hand over the case file which should be mine as he was acting on my behalf.

 

Uncannily , the receivers solicitor also happens to be the Lloyds/Halifax solicitor.

 

I have introduced 2 buyers . Lloyds/ Halifax have ignored these and have marketed the property at 10-15% of market value.

 

To them it is a tax write off , to us it is our whole lives !!!

Link to post
Share on other sites

That is really interesting. Since my post our situation hasn't changed. We now know that the locks have been changed and we no longer have any access. Until yesterday, we have had no other contact with the receiver at all - not a word so we really don't know what is happening and I really don't want to have a conversation with them. I emailed them because we currently have the property insured ourselves. I believe that the LPA will insure the property and charge us the premiums when sold. Naturally I don't want to pay twice. I told them the situation and they have asked for the insurance documents so they can add themselves as beneficiary. I don't think I am going to do that, to be honest I really don't know what to do. Have you had any insurance issues?

 

Has there been any further outcome from the FO? What did you say to them and had you complained to Lloyds first ?

 

The only good bit of news we have had is that the Council concerned have finally agreed to give us an exception due to repossession on the property and my God has that been a battle !

Link to post
Share on other sites

Do you find that Lloyds / Halifax do not talk to you?

If so this seems to be a common problem.

A woman recently won £7000 compensation due to their lack of response.

 

Unfortunately, I can't be a great help, as I am also at my wits end.

 

I can only suggest that you also contact the financial ombudsman. Hopefully other people will also do this and the numbers will show a trend that it is a typical Lloyds /Halifax ploy.

 

Check with land registry as to the receiver registering an interest on the property.

 

I had obviously complained to Lloyds /H first, but to no avail.

 

The ombudsman hopefully will make a decision in the next few weeks.

But , they have had the file for 18 months .

 

You may be lucky , and find that they only have a first charge on the flat.

 

Sorry , I can't be of more help

Link to post
Share on other sites

Hi there

Thanks for that. 18 months ! Crickey. Same thing regarding communication really. We haven't spoken to Lloyds since the LPA was appointed. They don't return calls or want to speak to us. We have no idea what sort of interest they are adding to the debt as they have withdrawn our access to our account. We complained about that and they said we would need to telephone to obtained up-to-date balances. We've tried that and been told they can't find our account on their system !!! It's an absolute joke.

 

I'll get something in writing to Lloyds and once they have responded I'll get something off to FO.

 

By the way, no luck on the charge issue. Checked with the solicitor who worked for us on the purchase of the premises and they say all the paperwork is in order unfortunately. I'd have loved to have got one over on Lloyds.

 

Sorry, being a bit dim probably. But why do you suggesting checking the Land Registry ?

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...