Jump to content


  • Tweets

  • Posts

    • 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
  • Recommended Topics

  • Our picks

    • If you are buying a used car – you need to read this survival guide.
        • Like
      • 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
        • Like
      • 161 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

Cabot/mortimer claimform - +15 yr old HSBC Credit Card 'debt' - ** CLAIM DISCONTINUED **


saintorsinner
style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 2971 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 everyone i need help,

 

i defaulted on my HSBC credit card over 6 years ago , and since then ive been paying them £X a month. Never missed a payment

 

Went to check my credit file and now they have changed the date of the default to 2004 not 2001.

 

can they default me twice within the same period ?

 

My six years of being "blacklisted " was over , only for it to start all over again!

 

HELP PLEASE

Link to post
Share on other sites

  • Replies 164
  • Created
  • Last Reply

Top Posters In This Topic

Top Posters In This Topic

well ive been paying payments on all 3 HSBC's i fought hard not to get a CCJ , perhaps I should have got a CCJ may have been easier

 

IS IT LEGAL , sorry everyone am at my wits end, the 6 year black hole is up and then it gets extended.

 

the CA, said they could be a reason , the data comissioner says it probs is ilegal .

 

I was made homeless beacuse of my debts and never gave them a forwarding address, as that was a condition of me living with my parents again , ( didnt want bailliffs round)

 

however every 3 months I would ring them and keep in contact , I have never missed a payment in 6years since then. HSBC know this and were happy

 

ADVICE please

Link to post
Share on other sites

  • 6 years later...

Hello everyone

 

I have an old HSBC credit card from 1999 which I have been paying of at £10 a month

I have never been contacted for additional payments or threatening letters. Over the years I have paid the money and got on with my life

 

The debt never went to CCJ and from 2005 the debt went from my file..

 

In 2013 the payments came back bounced as the HSBC account was closed , ( their collection account)

I was never contacted to set up new details so I just left it.

 

This week I have been given a letter saying Cabot have bought the debt from HSBC , it stayed with them for 15 years

 

What is the best way to play this?

My main concern is playing payment information on my credit file..

 

Can I pay the debt off in full , probably can?

It wont be statue barred , last payment was 7 months ago, will Cabot know this?

 

Any advice?

Link to post
Share on other sites

Well I think they may have , if HSBC never contacted me or passed on to a DCA , they just sold the debt to cabot

 

I just think to be punished again if anything went on my file would mean 21 years before it dropped off my file...

Link to post
Share on other sites

about time you send hsbc an sar me thinks

 

what was the debt back in 2007?

 

and what is it now

 

they should have been sending you statements {NOSIA} better that 6mts too

if the consider it in arrears.

 

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... 

Link to post
Share on other sites

Don't know how much I owed or did owe.

don't know how much I owed I think it was 1900

 

 

,when it was first defaulted but I do need statements. I have paid £1320

 

Question is ,

would £10 a month really keep them happy ?

 

would asking for a SAR delay anything?

 

With the debt been relatively new , they would want to take the chance and go for a CCJ?

 

I cant use the statued barred as I have been paying for the last 15 years

Link to post
Share on other sites

Don't know how much I owed or did owe. don't know how much I owed I think it was 1900 ,when it was first defaulted but I do need statements. I have paid £1320

Question is , would £10 a month really keep them happy ?

would asking for a SAR delay anything?

With the debt been relatively new , they would want to take the chance and go for a CCJ?

I cant use the statued barred as I have been paying for the last 15 years

It springs to mind that either Cabot has substituted the original default date for the date it acquired the debt or the bank did not default the account until just prior to sale.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

Link to post
Share on other sites

the correct default date was 2001. making 2007 the correct date for it be wiped.

 

about 2 months before it was due to be wiped it flagged up on Equifax as a default date of 2004 pushing it back to 2011

 

ahh so what your saying is HSBC sold the account in 2004 , not recently as I think happened?

 

Question is

 

is a SAR ect CCA request going to achieve anything ,

will I have to pay in the end ?

 

 

Is it better to wait for a settlement figure which always happens and settle?

Link to post
Share on other sites

the correct default date was 2001. making 2007 the correct date for it be wiped.

 

 

about 2 months before it was due to be wiped it flagged up on Equifax as a default date of 2004 pushing it back to 2011

 

 

ahh so what your saying is HSBC sold the account in 2004 , not recently as I think happened?

 

 

Yes this happens a lot, debt sold in a large portfolio and lies dormant on the debt purchasers books.

 

 

Has the account shown on your credit files with the 2001 default date? Was this then removed in 2007.

 

 

Is Cabot now shown as the owner on the new entry?

 

 

A formal complaint to the data controller at Cabot is the next move.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

Link to post
Share on other sites

it was HSBC showing on the both defaults

 

 

nothing now on my credit file , no transfer of ownership was ever shown on my file

 

 

So your credit file is clear no debt registered by Cabot or HSBC?

Meaning that this dead and buried since 2011?

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

Link to post
Share on other sites

yes that's right .

I have been making payments till dec 2013 when their bank details changed and their account closed.

 

 

So where do I stand legally in enforcement?

 

 

Well the debt is not statue barred but if it is not on the CRA files it's not causing any problems so you could cease payment completely.

 

 

If anything comes up again (which after so long is doubtful) come back to us.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

Link to post
Share on other sites

  • 7 months later...

hello , just an update..

 

 

Cabot are now threating legal action with a CCJ

 

 

can I put in a defence , see what happens , of if I issue a defence and lose I am automatically issued the ccj without the opportunity of payment

 

will they be aware its not statued barred?

 

 

or do I dispute the debt now , before it gets to that stage?

Link to post
Share on other sites

bet the letter doesn't say WILL anywhere read it carefully

 

 

they should not goto court without a signed cca

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... 

Link to post
Share on other sites

have you sent cabot a cca request?

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 

 

 

Any help I am able to give is from my own experience only. Should you have any doubt you should contact a qualified professional.

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...