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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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    • 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.

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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Checked Credit Score - Found a CCJ I knew nothing about.


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It started with a letter from Restons the other day saying they wanted payment of under £1000 for a debt which I believe to be statue barred.

 

The letter said if I didn't pay I would get taken to court for a CCJ and would request monthly payments.

 

If the court does not allow this, the full amount is required forthwith including any accruing interest, fees and costs.

 

If I don't pay by a set date their client may be prepared to accept installments and return the expenditure and income form by the previously mentioned date.

 

They also draw my attention to the fact the client says I can clear the debt at a specially discounted settlement figure and if interested I should call them.

 

Can they offer the discount rate because they purchased it cheap in the same letter as threatening a CCJ?

 

As I said I believe this to be statute barred.

 

I was a full time carer for my mother for over 10 years and several existing student debts fell by the wayside.

 

Something made me sign up to the 30 day free trial with Equifax just now.

I see Cabot have stuck a default on my account and say it defaulted in 2010

- I thought it was longer ago than that. It know what it was for - a credit card.

 

Stopped caring and moved in 2012 and became very ill, which I am still suffering now.

 

It seems this big default Cabot put on my credit file in 2011 was defaulted in 2010.

I thought this was further back that this.

 

I have had about 4 DCA contact me re this debt since moving here, none of which have even mentioned getting a CCJ which makes me wonder if this IS statute barred?

 

Advice on this would be useful please.

 

Secondly, whilst searching my file I find a CCJ issued in 2013 at my old address by I do not know who?????

 

Advice on this is very much appreciated as I believe it would definately be statute barred.

 

The previous Restons issue was the latest issued credit card I had at that address.

 

Once I could deal with these things but since becoming ill I really need some advice on this please.

 

As it stands I have one CCJ lasting til 2019 at a previous address and one possibly about to be issued.

 

I don't work due to my illness, so they are barking up the wrong tree here.

 

Just as an after thought reading about Cabot -

The letter states it is Cabot Financial (UK) Limited v Me and the letter opens:

 

"We are instructed by our client Cabot Financial (Marlin) Limited, appointed by your creditor Cabot Financial (UK) Limited..."

 

The credit card was not with Cabot originally, obviously, but I now see that Cabot have changed their name on my Equifax file to:

 

Credit Card from Cabot Financial (Europe) Ltd (I)

 

Get me up to speed - is this correct or is something going on here that is not quite right?

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Discount = bad debt. Challenge it, or you can ignore it. Your choice.

 

Regarding your last post, Cabot have bought your debt

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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Can you clarify what you mean by bad debt please? I did ignore it but something made me fish it out tonight.

 

Re Cabot names, I read they have changed names as they didn't renew their licence or something? How would this affect things?

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Doesn't they brought marlins that's all

I wouldn't both worrying about that

 

Are you saying there's a ccj already for the same debt Cabot / restons are chasing

 

Yes a discount is a sure fire pointer to something being up with the debt,......pay us something quick before you find out you're being fleeced

 

Who was that card org taken out with

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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Hi DX, long time no speak.

 

Sorry not very clear.

 

I have no idea what the CCJ is for or who it is with.

 

 

Obviously I have never had paperwork. I moved in mid 2012 and the CCJ was registered in September 2013. It's for under £400.

 

With regards Cabot/Restons,

I need to look into paperwork as to when the Aqua Card defaulted.

I actually thought it was about 2009 which would be the magic 6 years

but it seems to say the default date was 2010 which would only be 5 years.

 

Seems a bit suspect to me though.

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last payment + 1 month ish....not from defaulted 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

OK I found a letter dated 08/10/2010 which is from DHS 1st Credit, introducing themselves as the debt team.

I suspect they were not the first DCA involved in this but as I was I'll at the time, I don't really remember.

 

I think Aquacard themselves went on for a good number of months asking for payment but again I don't recall this.

I need to dig out more paperwork.

 

On a seperate note, what do I do about the CCJ?

I have no idea what it was for and had moved well over a year earlier so have never seen any paperwork for it.

 

 

Obviously nothing has been paid and I can only assume it's for a statute barred debt.

 

 

Aquacard was the last card I had and if that is possibly statute barred everything else would be much earlier.

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OK I found a letter dated 08/10/2010 which is from DHS 1st Credit, introducing themselves as the debt team. I suspect they were not the first DCA involved in this but as I was I'll at the time, I don't really remember.

 

I think Aquacard themselves went on for a good number of months asking for payment but again I don't recall this. I need to dig out more paperwork.

 

On a seperate note, what do I do about the CCJ? I have no idea what it was for and had moved well over a year earlier so have never seen any paperwork for it. Obviously nothing has been paid and I can only assume it's for a statute barred debt. Aquacard was the last card I had and if that is possibly statute barred everything else would be much earlier.

 

If you phoned the Northampton county court bulk centre that deals with the MCOL issued claims, they may be able to provide details of the particulars of claim, which should reveal original creditors name. Then you can find out more from the OC about the debt and see if there are any grounds for applying to a court to set aside the CCJ. You cannot set aside a CCJ just because you moved house and would need to provide other reasons.

 

In regard to other debts that come under consumer credit act, you could send CCA request.

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 Have we helped you ...?         Please Donate button to the Consumer Action Group

 

If you want advice on your thread please PM me a link to your thread

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Just been scouting around CAG and the letter I got was the same as this except different details and dates obviously. Is this just a letter trying it on? Would a discount mean it is statute barred?

http://www.consumeractiongroup.co.uk/forum/showthread.php?400009-Restons-First-Direct-HSBC-court-threat

Edited by Vampyra
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OK I will ring Northampton. I know it can't be set aside because I moved but I am absolutely sure any debt would be statute barred.

 

I also suspect any company issuing a CCJ knew I had moved. All previous debts whether paid or not have had DCA's trying to get money out of me since I moved. All but one of these were CCA'd and SAR'd some time ago and went dormant as they were statute barred.

 

Before anyone says anything about paying debts, (my OH often disagrees with me over CCA's and stuff and thinks stuff should be paid), I was caring full time for my very sick mother for 10 years. All the debts and cards apart from Aqua were from student and working days.

 

I have no debts like this now but have become very ill and don't work.

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OK the CCJ is from J D Williams who I still have a catalogue account with and who know I changed address back in 2012.

 

Phoned the court who said I should ask J D Williams via CrapQuest and HL Legal, to apply to the court as it was issued to an incorrect address. I also never had a CCA for this account and it was statute barred as far as I recall.

 

Court sending me papers to set aside and original paperwork which was sent to my own address.

 

Any ideas how to proceed with this one?

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L,

OK the CCJ is from J D Williams who I still have a catalogue account with and who know I changed address back in 2012.

 

Phoned the court who said I should ask J D Williams via CrapQuest and HL Legal, to apply to the court as it was issued to an incorrect address. I also never had a CCA for this account and it was statute barred as far as I recall.

 

Court sending me papers to set aside and original paperwork which was sent to my own address.

 

Any ideas how to proceed with this one?

 

You can probably set aside, but may need to send JD Williams a SAR to get hold of information on file, if you don't have it. E.g proof they were advised of change of address, statements showing last payment to see roughly when stature barred.

 

With a set aside, you need to be able to evidence your position if there is a hearing. There would be no point doing the set aside unless you could back up statements to the court.

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 Have we helped you ...?         Please Donate button to the Consumer Action Group

 

If you want advice on your thread please PM me a link to your thread

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if capquest got the ccj set it aside against them

 

 

as they knew the real address

you'd need to prove that mind

and that it was already sb'd

 

 

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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The proof is, I still have a catalogue account with J D Williams at my new address! I know what you mean though.

 

I will SAR J D Williams and CCA them too.

 

I'll see what they can come up with.

 

Talking of SAR's, should I do so with Aqua?

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OK,

the CCJ wasn't statute barred.

 

 

Found some paperwork.

 

 

I was very ill, undiagnosed and unmedicated some time before I moved and things lapsed.

They still didn't have a signed CA though. Can't really challenge it I guess.

 

Hold on a roly mo!

 

I remember the account lapsed but I was allowed to order stuff if I paid by debit card still on the same account number.

 

 

Should I SAR and CA them?

Edited by Vampyra
Remembered something.
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