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    • 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
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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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Help with defence - No CCA response - likely statue barred - thanks!


rune
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Hi,

 

I would greatly appreciate help with a defence. Below is a summary of what has transpired:

 

 

  • Contacted by solicitor about an old, pre 2007 debt with Ambrose Wilson.
  • This debt is believed to be possibly not legitimate or alternatively possibly Statue Barred. However, to be 100% sure, CCA request sent and proof of delivery of letter obtained.
  • No response to CCA request at all, not even an acknowledgement.
  • Further request for payment / threats of court received whilst I was out of the country.
  • Received court papers from court, again, whilst I was out of the country.
  • Acknowledged with intention to defend.

My current thinking is that the fact that the CCA request has not been complied with makes it impossible to submit a full defence, which would likely be a Statue Barred defence. Also, as I have no response to the CCA request, the alleged debt is not enforceable. Does this sound sensible?

 

Help with defence and wording would be greatly received - I need to submit by the 16th. I've done lots of reading but this is the first time I've actually defended a claim!

 

Thanks!

 

Kind regards

 

 

rune

Edited by rune
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http://www.consumeractiongroup.co.uk/forum/showthread.php?419198-You-have-received-a-Claim-What-you-need-to-do.-**UPDATED-December-2014**

 

 

can you fill the above link out

and copy n paste the Q&A back to a msg box here

 

 

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 submitted your cpr 31.14 yet to the Solicitor dealing with this? Make sure you seek further advice and post up your defence so we can see what you are trying to say and present to the Court...

 

 

Check your credit file today and see if it still shows up there, check your balance and payment history if you can.

 

 

What was the date you received this claim?

If I have been of any help, please click on my star and leave a note to let me know, thank you.

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Can you please more history on this debt like, dates last payment letters from DCA's and so on as it will help

 

Hi mikeymack2002. Thanks for your swift reply!

 

I don't know when the last payment was for sure, hence the reason for needing to CCA and request history, but I am 99% sure it was over six years ago.

 

Two Letters were received after sending the CCA that appear to follow the standard "pathway"

of trying to get payment, threatening action, etc, with no acknowledgement of the CCA whatsoever.

 

 

The first one was a request to contact and make an arrangement,

 

 

the second was the threat of court action if a response was not received.

 

CCA was sent 13/04/2015. Signed for 15/04/2015.

 

Thanks

 

rune

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then you should have issued a defence by 4pm on Monday the 7th sept.

ring the court now

check its not too late to sneak one in

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

Have you submitted your cpr 31.14 yet to the Solicitor dealing with this? Make sure you seek further advice and post up your defence so we can see what you are trying to say and present to the Court...

 

 

Check your credit file today and see if it still shows up there, check your balance and payment history if you can.

 

 

What was the date you received this claim?

 

I have not submitted anything to the solicitor yet.

 

I am checking credit file again now, but I am sure it's not listed when I checked it last.

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nope 33 days from date of claimform top right.

whereby day one is that date.

 

 

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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Share on other sites

then you should have issued a defence by 4pm on Monday the 7th sept.

ring the court now

check its not too late to sneak one in

 

The court have confirmed that I can email in a defence today.

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great

 

 

now go nail that last date of payment down.

 

 

look at noddle

or go ring the ORIGINAL CREDITOR and ask.

 

 

it would be 200% better if you could file the SB defence

 

 

rather than a holding one.

 

 

as that would kill the claim dead usually.

 

 

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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Share on other sites

Ambrose Wilson are JD Williams group.

 

 

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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Share on other sites

Date of issue: 06/08/15

 

Timeline: 06/08/15 + 19 = 25/08/15 + 14 = 9/9/2015 nope 33 days is 7th sept

Particulars of claim:

1.The claimant claims the sum of 15xx.xx being monies due from the defendant to the claimant

under a regulated agreement between the defendant and AMBROSE WILSON (xxxxxxxx)

and assigned to the claimant on 13/01/2012, notice of which has been provided to the defendant.

 

2.The defendant has failed to make payment in accordance with the terms of the agreement

and a default notice of which has been served pursuant to the Consumer Credit Act 1974.

 

3.claimant claims the sum of £15xxx.xx and costs

The claimant has complied, as far as necessary with the pre-action conduct practice direction.

 

Value of claim: £15xx.xx

Is the claim for a current account (Overdraft) or credit/loan account or mobile phone account? Catalogue debt

When did you enter into the original agreement before or after 2007?

Credit file shows 5/2007, but I was under the impression that was earlier? Not entirely sure which is correct.

Has the claim been issued by the original creditor

or was the account assigned and it is the Debt purchaser who has issued the claim. Assigned to purchaser.

 

Were you aware the account had been assigned – did you receive a Notice of Assignment? Unsure on this point.

 

Did you receive a Default Notice from the original creditor? Cannot remember.

 

Have you been receiving statutory notices headed “Notice of Default sums” – at least once a year ? I think so.

 

Why did you cease payments? Financial difficulty, illness, loss of job, going on benefits.

What was the date of your last payment? Note entirely sure, however pretty sure it was more than six years before date of claim.

 

Was there a dispute with the original creditor that remains unresolved? No.

Did you communicate any financial problems to the original creditor

and make any attempt to enter into a debt managementlink3.gif plan? No.

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good keep digging

typically a default is issued anything upto 6mts after your last payment

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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great news

now go file this on MCOL

 

The following defence is all you need if it is SB

 

1. The Claimant's claim was issued on (insert date).

2. The Defendant contends that the Claimant's claim so issued is a claim in contract and is statute barred pursuant to the provisions of section 5 of the limitation act 1980.

 

If, which is denied, the claimant contends that the Defendant is in breach of the alleged contract, in excess of 6 years have elapsed since the date on which any cause of action for breach accrued for the benefit of the Claimant.

 

3. The Claimant's claim to be entitled to payment of £x or any other sum, or relief of any kind is denied.

 

 

 

just fill in the 2 bits you need

 

 

if MCOL wont let you do it.

 

 

email it

 

 

MCOL is only one way of responding to a claim.

If you are having problems logging in,

or would prefer not to use MCOL,

you can fax, email or post your response to the Court instead.

 

 

If you send your response by e mail please send it to [email protected]

 

 

and ensure you quote “Claim response” in the subject field.

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

plenty of threads here to read.

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

whos the claimant please and the sols?

 

 

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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  • 2 months later...

Just to update the thread - I filed the defence and nothing further has happened, so I can only assume that the other party decided not to pursue the matter.

 

Thanks again for all the help.

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well the claim is stayed.

 

 

whos the claimant please and the sols?

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

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