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    • No. The defence is different. Their defence paragraph 2.7, 2.8, 2.9, 2.10 – for the first time makes reference to an alleged term between the Packlink/EVRi contract which apparently specifically excludes the effect of the Contracts (Rights of Third Parties) Act 1999. If this is true then it is very likely that they will have closed that loophole because the 1999 act specifically allows itself to be excluded by an express term within the principal contract I think that you will have to do ask the court to require them to provide evidence by way of presenting their contract and also the date that this new amendment was inserted. I understand that your claim refers to an item which was lost a year or so ago. These give us the date. We would certainly want to know that this amendment predates the date when you first contracted with Packlink to send the item. I would want to say to the court that in the absence of their willingness to confirm with evidence the date that this contractual amendment was made, that the court should assume that this was a recent amendment and was therefore not in force at the time you made your contract. We have third-party defences on this sub- forum which are fairly recent and there has been no mention of this exclusion of the 1999 act. I think we can take it that this is something that they have put together very recently. Secondly, even if they want to exclude your third party rights, it does not absolve them from the negligent handling of your item and in respect of an action for negligence you have first party rights. You don't have to rely on third party rights – although of course, you didn't allege negligence in your original claim. We didn't advise you to do so. Maybe shortsightedly we didn't foresee this contractual amendment. Of course assuming that this contractual amendment is true – although I expect it has only been added recently – what they are saying here is that nobody in the United Kingdom who makes any contract with any parcel delivery company using Packlink will have the right to bring a claim for lost or damaged or even stolen parcels. These people have lost their moral compass. It is shabby treatment of ordinary customers who pay their money and who repose their trust in these parcel delivery companies. No wonder that the Paralegal Children are now ashamed to sign off these documents with their own names. In terms of parcel tracking information – apparently it has been destroyed according to their own data protection policy. That's their business. It's got nothing to do with you and they can't use this to frustrate the six year limitation for bring a breach of contract action or the three-year limitation period for bringing an action in negligence or other tort. There reference once again to the exclusion of the 1999 Act but this time apparently in the contract between you and Packlink – is irrelevant because the exclusion has to be in the commercial contract between Packlink and EVRi – which they have referred to in their paragraph 2.7 et cetera of their defence. I'm assuming that you propose to go ahead with this case. Please let us know when you respond and we will go forward. In the meantime, I suggest that you write a letter to EVRi. Referred to their paragraph 2.7 et cetera and asked them for a copy of the contract and confirmation of the date on which the exclusion of third party rights term was included in it. Tell EVRi that if they do not answer or if they refuse that this will be brought to the attention of the judge. Tell them also that you notice that they say that they have destroyed data in line with their data protection policy. Inform them that they do not appear to have disclosed this data protection policy to their customers. Please will they forward you a copy of it and once again if they failed to respond or if they refuse that you will bring this to the attention of the judge as well. I suggest that you post a draft of the letter here so we can have a look    
    • Good morning dx100UK Could I send the update to you privately? Regards
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Welcome secured loans/charge - sold to Alpha/Prime -repo received - ***Claim Dismissed***


cruzhughes

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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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Do I need to be doing this to take with me Monday? I'm still unsure if I can or can't do it as it's small claims

 

Is it worth taking the loan agreement for £6000 in oct 2006 that corresponds with the legal charge date oct 2006 and the statement showing it was settled in April 2007 to court?

 

Why would a loan for only 6000 be sercured anyway???

 

There were another 2 taken out after this then the big one prime are after.

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unknown wont hurt

 

as for costs..yes LiP costs can be claimed..

 

Standard costs....the only thing missing in that link I posted is £90 per day for lost earnings if working and had to take time off.

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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My thoughts are if the judge queries the last paragraph of the letter where I asked prime how could they hold a 2006 deed of variation for a loan that supposedly started 2 years later in 2008.

 

I have it there to show him the 2006 loan account no matches the legal charge account no.

 

Whereas the 2008 doesn't as The loan they are after is a totally different account no isn't it.

 

I'm just trying to cover all bases.

 

Prime file is good to go as it is but think a small folder with official copies of land registry docs and older loan which is out of Welcome file my help if asked anything

 

Spreadsheet for cost or just a simple breakdown?

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most important bit of paper is your costs

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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I really haven't had the time I started it. But it's nowhere near completed. I was hoping it would have been done for me to show you and take it.

 

This as far as I got

 

March 6th Petrol to pick up post from previous address 2 miles 80 pence

 

Matrch 7th Research of CCA 1974 3 hours on internet

 

March 8th Letter CCA request postage £1.74

 

March 22nd Letter to lightfoots £1.74

 

March 25 Research similar cases 10 hours on internet

 

March 29th Letter To Prime Complaint Account in Dispute £2.08

 

April 24th Letter To Prime Complaint Account in Dispute – second request for information £1.75

 

May 15th Prime Complaint Account in Dispute – Third request for information including SAR £1.75

 

May 5 onwards Research similar cases 10 hours on internet

 

 

May 24th Court Hearing

o Petrol

o Parking

o Day off work £90

o Research of case

o Time

 

June 2nd Letter to Prime 2nd Subject Access Request Letter £1.75

 

June 29th Letter to Prime account in serious dispute letter £1.75

 

 

Aug 21st Court Hearing

o Petrol

o Parking

o Day off work £90.00

o Research of case

o Time

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have you had to take a day off work?= £90 per day

 

 

other costs - say 5hrs@£19p/h = prep of paperwork/responding to claim etc

stationary/phone calls etc £5.

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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Litigant In Persons Costs Breakdown Total costs £ 889.46 is this too steep??

 

 

March 6th Petrol to pick up post from previous address 4 miles x 40p =£1.60

 

March 7th Research of CCA 1974 3 hours on internet £19 x 3 =£57

 

March 8th Letter CCA request postage £1.74

Time 1 hour £19

 

March 22nd Letter to lightfoots £1.74

Time 1 hour £19

 

March 25 Research similar cases 5 hours on internet £19 x 5 = £95

 

March 29th Letter To Prime Complaint Account in Dispute £2.08

Time 1 hour £19

 

April 1st Petrol to pick up post from previous address 4 miles x 40p = £1.60

 

April 24th Letter To Prime Complaint Account in Dispute – second request for information £1.75

Time 1 hour £19

 

May 5th Research SAR 10 hours on internet £19 x 5 £95

 

May 15th Prime Complaint Account in Dispute – Third request for information including SAR £1.75

Time 1 hour £19

 

May 24th Court Hearing

o Petrol 8 miles x 40p = £3.20

o Parking £1.50

o Day off work £90

o Research of case 10 hours £19 x 10 = £190

o Time 1 hour £19

 

June 2nd Letter to Prime 2nd Subject Access Request Letter £1.75

Time 1 hour £19

 

June 29th Letter to Prime account in serious dispute letter £1.75

Time 1 hour £19

 

July 5th Research 10 hours on internet £19 x 10 = £190.00

 

Aug 21st Court Hearing

o Petrol 8 miles x 40p =£3.20

o Parking £1.50

o Day off work £90.00

o Research of case 5 hours £95

o Time 1 hour £19

 

Total costs £ 889.46

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yes couple of hundred IMHO

 

 

and I don't think you can claim for the other abandoned time either

not sure

let me see if andy is around.

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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andy says:

 

 

just a touch...needs to get it down to at least £600...reduce the 1 hours letters at@ £19 per hour

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

I didn't hand it in. No costs were mentioned either

 

The judge was a different one to last time. I actually got called into chambers.?He was lovely.

 

He said he was glad to receive my letter as it give him some understanding that this was not a case of can't pay won't pay.

He can see there are issues that need resolving.

He also seemed to have good knowledge on Welcome finance..

 

He advised going to the ICO for non compliance of SAR however I have received this last week.

 

He also advised I can add things that were in letter to defence if called back again.

 

He said he's adjourning with liberty to restore but is putting a 12 month strike out date.

 

Is this good news??

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yes very.

 

means theres an end in sight.

 

before you forget

get written up here all that he said about welcome and anything else relevant he said

verbatim would be nice.

 

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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He didn't go into much details but said about organisations that could help like taking it to FCA..

 

This is where I explained I'd been everywhere prior to the selling of the debt but due to welcome entering the scheme of arrangement no one could help as their hands were tied and normally they would all take it on.

 

I said about the liabilities been sold on/bought out... They didn't join it they paid into it.

 

He just generally spoke but said he couldn't give us legal advice but to got to CAB for them to pick at it. But I think you lot here have already done more the they could do.

 

He could have made an order for me to compile a defence but he said that it would start to incur costs for me and that he could see that i had plenty with the folders I took. I can still apply for a form to start compiling a defence in case it happens to go back to court.

 

He did say off the record ive done things the right way.

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He can see there are issues that need resolving.

 

He also seemed to have good knowledge on Welcome finance..

 

expand on the above

couldn't have just said those two things

 

all this is going to be very useful IF they do re present the case...

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

By what I'd put in the letter he had given him today before the hearing. As it had given him more insight on to the case in front of him.

 

The expression was enough. And then he said they paid in to the scheme of arrangement didn't join it?

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And then he said they paid in to the scheme of arrangement didn't join it?

 

 

urm wonder what that means...

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

What do you think it could mean?

 

Prime are actually welcome???

 

I've just come across something in sar which I think maybe relevant to the sale. This came last week and is post I never had as I had moved from this property last May

 

Just inboxed you it

 

Have just come across this online

 

http://blogs.lexisnexis.co.uk/randi/how-far-reaching-are-schemes-of-arrangement-re-welcome-financial-services-ltd/

 

Just a thought on letters I've sent you....

 

If Welcome turned that loan to 0% in July 2016 so that should mean that the £26,152.32 should be repayable at 0% .

 

Yet prime were claiming that amount of £26,152.32 was owed at £231.49 for 197 months. Which comes to a whopping total of £45,603.53??

 

So there's defo interest on that.

 

Another thing to unravel i think.

 

What about you?

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that's the link andy gave us and I was trying to find it.

 

 

keep going

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

Just as I thought I was due a rest my heads working overtime

 

Lehman Brothers were part of SPML weren't they and variations of eurosail which are now acenden and that who administers my mortgage on the house the ex lives in.

 

And prime and acenden are at exactly the same address

 

How is there this connection?

 

And how is this going to affect me and my situation

 

https://uk.practicallaw.thomsonreuters.com/Document/I093cc8713cbd11e498db8b09b4f043e0/View/FullText.html?transitionType=CategoryPageItem&contextData=(sc.Default)&firstPage=true&bhcp=1

 

This one is quite interesting mentions overseas company's

https://www.lw.com/admin/Upload/Documents/uk-schemes-of-arrangement-2014.pdf

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