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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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      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.
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Creation Consumer Finance / Lowell


Gaspanic9
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Hi,

I'm in the process of sorting out my debts,

i've just paid one off fully as I had a CCJ attached to it so i'm down to 2.

I'm going to try sort these 2 out 1 at a time, starting off first with this one.

 

A while back I bought a TV from Richer Sounds, after splitting up with the ex I fell behind on payments until I eventually stopped doing so.

 

 

Now I'm looking to get a mortgage in a few years time it's time I started cleaning up my debts/credit report.

 

Here's the entry in Credit Manager:

 

Creation Consumer Finance Ltd

Account number: ********

Name: ********

Account address: ********

Date of birth: ********

Account type: Credit Sale

Account status: Default

Date last updated: 01/11/2013

Account opened: 21/04/2007

Account opening balance: £788

Regular Payment Amount: £29

Repayment frequency: Monthly

Default date: 28/02/2011

Original default balance: £788

 

Now it says the default date was in 2011

however I'm certain I was never paying anything to them (nor did I acknowledge any debts to anybody over a few years),

how would I go about getting this default date rectified?

(In order to help getting it off my credit report sooner).

 

 

I'm not trying to run away from it,

I'll pay what I need to but first I want everything clear on what I owe so then I can set up some sort of plan.

 

What would be the first step towards this?

CCA first then take it from there or what?

 

 

I also had this posted in another thread along with the other 2 debts

(http://www.consumeractiongroup.co.uk/forum/showthread.php?406740-3-different-debts. for reference),

it was said that it probably will be enforceable

 

 

however I may be able to claim extra charges etc back?

If you need any further info don't hesitate to ask.

 

And thanks in advance!

Edited by Gaspanic9
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Hi

Firstly, do Lowell own the debt of collecting on behalf CCF? does Lowells name appear next to the entry on your credit file?

 

If you cannot remember when you stopped paying CCF, it may be worth sending a SAR to them to get copies of statements and payment dates.

This will also show what (if any) charges have been added.

 

If Lowell are chasing you, write at the top of any letter:

 

"I acknowledge no debt to you nor any company you claim to represent."

If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

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Thanks for the response.

 

Currently on credit manager it says Creation finance

 

 

however I received a letter from Lowells with a statement and

it looks like it's been with them for a while (sorry I can't be more specific, it's only recently that i've started keeping the letters).

 

 

It does however say on it "Original Creditor: Richer Sounds PLC - Creation Consumer Finance"

 

 

so that would indicate to me that they no longer own it?

 

 

I could probably take a picture of the letter and blank out my details if it's of any use?

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It may be that CCF have only just sold the debt to Lowell so your data on the credit file should also change soon.

 

How soon after the 2007 opening date did you stop payments?

 

As for the default date showing 2011. This could be wrong. Defaults should be placed as soon as possible and certainly within 6 months of the first missed payment

If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

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As far as I remember it would have been round about a year. It's probably close to being barred but I couldn't say for certain, I know that I've definitely not made any payments while I've been living in this home and that's been around 5 years.

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Well unless you are in Scotland you are looking at anther 12 months at least (may be more) until this is statute Barred.

 

Send the SAR and if Lowell start getting aggressive we can help slow them down

If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

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Send a postal order as cash can go missing.

 

That template is fine or use the pdf underneath which you can fill in.

If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

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  • 4 weeks later...

Right, I have a pack full of information back but as i'm at work I won't have the time to fully go through it.

Had a quick scan but I haven't seen any signed contract for this account, nor do I see the default date which is on my profile on any of these documents.

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Had another check, definitely no credit agreement in there, should they have this anyway?

What I can see on one of the forms are these bits of information

 

Date of last payment: 22-Sep-08

Charge off date 28-Feb-2011

Default notice date 19-Feb-09

 

Shouldn't the default date on my credit report be 19/02/2009?

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Default notice date 19-Feb-09

 

Shouldn't the default date on my credit report be 19/02/2009?

 

From what you posted, it is!

 

It is sometimes company practice not to include the agreement within a SAR as silly as it sounds. (may be they haven't got it)Unfortunately, as they haven't included it, you could send a CCA request. This costs another....quid!

 

The default will fall off your credit file next year so that gives you 12 months to get your deposit sorted. I wouldn't bother even attempting to get a mortgage until it has gone.

If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

Please help CAG. Order this ebook. Now available on Amazon. Please click HERE

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Thanks for the response!

 

Are there any types of forms I need to send off to get them to rectify this?

 

My plans for a mortgage aren't just yet anyway, i'm just trying to get everything paid off and off the credit report for the future when I will get one. I still have another debt to deal with after this one.

 

Edit: I think I know where we're getting our wires crossed.

 

On my credit report (and the first post) it says Default date: 28/02/2011

On the documents I received with the SAR it says Default notice date: 19/02/2009

Edited by Gaspanic9
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If you look in the library, there is a CCA template letter.

If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

Please help CAG. Order this ebook. Now available on Amazon. Please click HERE

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I don't know if you seen this bit as I edited it:

 

On my credit report (and the first post) it says Default date: 28/02/2011

On the documents I received with the SAR it says Default notice date: 19/02/2009

 

I can send off the CCA to them to get the credit agreement though.

I just want all the information correct and know where I stand so I can take it from there.

 

Cheers

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The default date should have been as soon as the default notice time expired so yes we did get our wires crossed.

 

Filing a default 2 years after the cause of action is wrong and needs addressing with CCF. They issued a default notice dated 19/02/2009 so they should have defaulted you within a month of that date. If they refuse to adjust it, you will have to complain to the ICO. You can place a notice of correction (up to 200 words) on your credit file to explain what is what.

If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

Please help CAG. Order this ebook. Now available on Amazon. Please click HERE

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I would wait and see if lowells have purchased this debt

or if they are already chasing

 

CCA lowells.

 

as for the default date.

 

theres not direct relationship between a default notice

and the defaulted date on the CRA file.

 

all a default notice does [if the default sum is not met ]

is ALLOW the creditor to default you at some point.

 

ideally this of course 'should' be near the date of the DN.

 

you could question creation as to why your file was not actually defaulted until 2 yrs later.

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...

I'm still awaiting the CCA back,

 

the request was signed for on Signature Time: 07/02/14 07:28:00 GMT

(however I have had a letter to say they're looking for it),

 

should I be doing anything now or just continue to wait?

 

I'd just be tempted to leave it until they come back but after this debt is sorted out I want to get my final one done.

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Just continue to wait. The Leeds Losers know the rules and hope you don't. In other words, don't poke the dog

If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

Please help CAG. Order this ebook. Now available on Amazon. Please click HERE

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  • 3 weeks later...

I know it seems i'm getting pushy however i've still not received anything bar a few letters from them saying they're awaiting it. I'm quite eager to get it done and dusted so I can start off on my final debt, is there anything I can send them to give them a nudge? If they are unable to find it is there a a general timeframe that they would let me know within or will they likely just keep me hanging on?

 

Thanks

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if they've failed the 12+2 working days deadline

 

you could send the failure to comply letter

and stop any payments.

 

however, if in the future they do manage

to find the SIGNED agreement.

 

then it could get interesting.

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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if they've failed the 12+2 working days deadline

 

you could send the failure to comply letter

and stop any payments.

 

however, if in the future they do manage

to find the SIGNED agreement.

 

then it could get interesting.

 

 

I haven't been paying them anyway. I guess I should see what they say/do next although I have a feeling I could be waiting forever. Once this is sorted out i'll then try and get the default date rectified before paying any monies to them.

 

Cheers!

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  • 2 weeks later...

I finally got a reply saying they have been unable to find my original credit agreement for this account and that they are closing my account.

Is there anything I should be doing now or is that it?

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