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    • Hi, despite saying you would post it up we have not seen the WS or EVRis WS. Please can you post them up.
    • Hi, Sorry its taken me so long to get round to this, i've been pretty busy today. Anyway, just a couple of things based on your 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. I'd say theres a 1% chance they read it , but in any case it won't change what they write. They refer to the claim amount that you claimed in your claim form originally, which will likely be in the same as the defence. They use a simple standard copy and paste format for WX and I've never seen it include any amount other than on the claim form but this is immaterial because it makes no difference to whether evri be liable and if so to what value which is the matter in dispute. However, I have a thinking that EVRi staff are under lots of pressure, they seem to be working up to and beyond 7pm even on fridays, and this is quite unusual so they likely save time by just copying and pasting certain lines of their defence to form their WX.   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. This is just one of their copy paste lines that they always use.   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. They probably haven't read your WS but did you account for this in your claim form?   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.   This is correct but you have gone into this claim as trying to claim as a third party. I would say that you need to pick which fight you wan't to make. Either you pick the fight that you contracted directly with EVRi therefore you can apply the CRA OR you pick the fight that you are claiming as a third party contract to a contract between packlink and EVRi. Personally, I would go with the argument that you contracted directly with evri because the terms and conditions are pretty clear that the contract is formed with EVRi and so if the judge accepts this you are just applying your CR under CRA 2015, of which there has only been 2 judges I have seen who have failed to accept the argument of the CRA.   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.    This is fine, but again I would say that you should focus on claiming under the contract you have with EVRi as you entered into a direct contract with them according to packlink, as this gives less opportunites for the judge to get things wrong, also I think this is a much better legal position because you can apply your CR to it, if you dealt with a third party claim you would likely need to rely on business contract rights.   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. I wouldn't focus this as your argument. I did think about this earlier and I think the sole focus of your claim should be that you contracted with evri and any term within their T&Cs that limits their liability is a breach of CRA. If you try to argue that the payment to packlink is the sole reason for the contract coming in between EVRI and packlink then you are essentially going against yourself since on one hand you are (And should be) arguing that you contracted directly with EVRi, but on the other hand by arguing about funding the contract between packlink and evri you are then saying that the contract is between packlink and evri not you and evri.  I think you should focus your argument that the contract is between you and evri as the packlink T&C's say.   Clearly Evri have not read by WS as the above is all clearly explained in there.   I doubt they have too, but I think their witness statement more than anything is an attempt to sort of confuse things. They reference various parts of the T&Cs within their WS and I've left some more general points on their WS below although I do think  point 3b as you have mentioned is very important because it says "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." which I would argue means that you contract directly with the agency. For points 9 and 10 focus on term 3c of the contract  points 15-18 are the same as points 18-21 of the defence if you look at it (as i said above its just a copy paste exercise) point 21 term 3c again point 23 is interesting - it says they are responsible for organising it but doesnt say anything about a contract  More generally for 24-29 it seems they are essentially saying you agreed to packlinks terms which means you can't have a contract with EVRI. This isnt true, you have simply agreed to the terms that expressly say your contract is formed with the ttransport agency (EVRi). They also reference that packlinks obligations are £25 but again this doesn't limit evris obligations, there is nothing that says that the transport agency isnt liable for more, it just says that packlinks limitation is set. for what its worth point 31 has no applicability because the contract hasn't been produced.   but overall I think its most important to focus on terms 3b and 3c of the contract and apply your rights as a consumer and not as a third party and use the third party as a backup   
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CCJ - Without my prior knowledge


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Hey once again thanks for all the help, from what you have written I can tell I will be needing your assistance in the not too distant future:-)

 

I don't know if this is of any relevance but I just looked at the recorded delivery receipt.....and I posted my CCA request on 16th April 10

On their covering letter that accompanies the CCA the date is 26th May10

I thought there was time line for this - in your disputer letters that you posted here I notice you say 12+2 days?

Edited by missworry
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Hi missworry (and big hellos to sunflower ;) ),

 

Got your pm, first of all DONT WORRY, I'll read your thread during the day & come back to later, at what stage are you with HL ?

As C1 served a DN yet & if so could you scan & post it to your thread (after removing personal info & any barcodes, has the account been terminated).

 

Sorry if you've already mentioned else where, not had time to read the whole thread yet.

 

Beachy

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Hi Beachy,

 

Thank you for getting back to me..

 

Yep Cap 1 Has severd a default notice and I will put it on here it later this evening.

In my pdf that I posted ( I sent you the link in my Pm) Is to date the communication I have had with them where they are threatening legal action by the 17th June.

Today I posted a letter to Cap1 requesting a true copy of the CCA, Also another letter was sent to CapQuest notifing them that the account was in Dispute as Capital One had failed to supply me with the documentation that I had asked for first time round (CCA).

Although I have written to CapQuest explaining the situation what else could I write to buy more time for myself?

 

Once again I really appreciate you taking the time out to take a look at my thread:D

 

Hi,

Here it is....

CAp1 DN.pdf

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Hi missworry,

 

What you have just posted is a statement of default (this follows a Default Notice), did they not issue an actual Default Notice? If they have its probably invalid.

 

Excellent advice & templates from Sunflower (chairperson of the Capone Fan Club). I to tried to 'visit' their offices in Nottingham to view my agreement in order to 'resolve' my dispute sadly capone wouldnt allow it.

 

So capone are still sending out the same rubbish but now say its all they need re: Carey v HSBC - utter tosh IMO.

 

Two things that jump out at me - HL's letter note the word 'may' - if they were that sure of themselves it would read 'will', that letter is a frightner as was mine.

 

It is a widely know fact that with the early capone agreements upon signing and sending back to capone all they did was to scan the signature box for their filing system and destroy the actual agreement (bet the never dreamt the day would come when the consumers could fight back :eek: ). in one of their letters to me they actually stated that all they have is the scanned signature box but claim thats still enforceable.

 

If and its a big IF they want to proceed to court then they MUST produce the original agreement.

 

As for trying to talk to capone on the phone - the answer is DONT - they are amongst the rudist people sorry 'things' I've ever dealt with ( that goes for their in house dca Debitas (capone in wolfs clothing - but with no teeth).

 

Send capquest sunflowers dispute letter and copy of it to HL, add a ps that you will file complaints to OFT, Trading Standards & your MP as they aent 'entitled' to demand any payment from you while your dispute isnt resolved - dont expect capone to suddenly come up with the agreement, especially from 2002, because they CANT.

 

Before I found CAG I tried everything possible to reach a compromise with them while we sort our lives out (loss of employment), they will not listen , all they want is your money & they dont care how they get it, if they've asked for an I&E statement from you dont supply it - they have no legal rights to it, I had massive arguements with them over this (thats how I found CAG).

 

Beachy

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Hi Beachy,

 

Thanks for the reassurance, just like Sunflower you've been invaluable.

 

I have read a few threads on CAG in relation to Capone and many of us seem to be encountering the same problems, which in strange way I do find comforting. I have noticed that many individuals still owe thousands to Capone and it looks like it monies will never be returned to the credit card company where no enforceable contract exists. Taking this into account are there any examples here where Capital One have given up perusing a debt?

 

Cheers

 

PS. Not forgetting help from Craigbadger too.

Edited by missworry
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Taking this into account are there any examples here where Capital One have given up perusing a debt?

 

You could say they give up by selling the account to some greedy dca who should know what the early capone agreements are like.

 

Mine went to Debitas, capquest/HL before going back to capone where its been filed away for over twelve months now, on the other hand OH account was 'sold' off while in dispute to a dca without any of the hassle that I had to put up with, however it is exactly the same type of 'scanned' signature page that they claim is an enforceable agreement backed up by an invalid DN - so they wont be getting a penny ;)

 

I am surprised that they sent you a Statement of Default but have not issued a Default Notice as this could be the killer especially if they have terminated the account.

 

Beachy

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Hi missworry (and big hellos to sunflower ;) ),

 

Got your pm, first of all DONT WORRY, I'll read your thread during the day & come back to later, at what stage are you with HL ?

As C1 served a DN yet & if so could you scan & post it to your thread (after removing personal info & any barcodes, has the account been terminated).

 

Sorry if you've already mentioned else where, not had time to read the whole thread yet.

 

Beachy

Hi Beachy

Hello to you too!:) Thanks for all your help with this thread!

Im happy to help with support and my own opinions but as i have no legal qualifications If I offer any thoughts to your problems please take it as from my life experience only and not of any legal standing. Always take further advice from the legal experts in your final action,

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Hey once again thanks for all the help, from what you have written I can tell I will be needing your assistance in the not too distant future:-)

 

I don't know if this is of any relevance but I just looked at the recorded delivery receipt.....and I posted my CCA request on 16th April 10

On their covering letter that accompanies the CCA the date is 26th May10

I thought there was time line for this - in your disputer letters that you posted here I notice you say 12+2 days?

Hi Missworry

Just that if they take longer than 12 working days though they have not committed a crininal offence they have still done wrong by keeping you waiting over that time and they are supposed to supply agreement witthin 12 working days and another thing you can point out of their wrong doings in any letter you send!

Im happy to help with support and my own opinions but as i have no legal qualifications If I offer any thoughts to your problems please take it as from my life experience only and not of any legal standing. Always take further advice from the legal experts in your final action,

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Hi Sunflower/ Beachy

 

I followed much of the good advice given by both of you. I did write to Capone giving them another opportunity to supply me with a copy of my original CCA. They just can't seem to help themselves as they sent me pretty much what they sent the first time. It is clear from their letter (attached) that they have had enough of my annoying requests and are not going to assist me further in my pursuit for the proper documentation.

As they have disregarded many of my written requests in the past and I feel it only fair that I extend them the same courtesy and now bombard them with correspondence in relation to this matter:-D

In addition I sent CapQuest a letter notifying them that my account was in Dispute. I went on to explain how Capone had been slow to provide me a CCA then when it did arrive it was not what I had asked for as the document was incomplete. CapQuest replied to my letter and they claim that they have contacted Capone on my behalf and they await their response:-D

 

I have attached a letter from CapQuest that I thought you might find of interest. CapQuest have made me an offer of settlement by reducing the outstanding amount by £500 approx.

 

Thanks for all the help thus far.

 

I hope you're all having an enjoyable weekend.

 

 

PS. Beachy, I found the Default Notice:

http://www.consumeractiongroup.co.uk/forum/capital-one/254627-third-party-debt-collection-3.html#post2980415

Capone + CapQuest settlement offer.pdf

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Hi missworry,

 

Yes enjoying the sun thanks (while it lasts :lol: )

 

Cant find your post of the DN.

 

As for capone - normal drival from them, account in dispute.

 

As for cappyq - normal rubbish from Marcus Butterworth, if he's threatening litigation (I have reply to that but cant post at the moment as I'm using my phone & need the PC at home) why is he 'offering' a F&F' settlement?

 

Beachy

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Hi Beachy,

 

Pleased to hear you enjoying the weather.

 

I didn't know that 'Butterworth' has some notoriety on CAG ? I thought he had taken pity on my case and was feeling benevolent. There was I feeling smug thinking he'd earmarked me for special treatment - his letter sounded so warm and helpful it almost brought a tear to my eye:lol:

It would be great if you post your letter here as I would like to see it.

 

I have uploaded the DN (pdf).

 

 

Have a lovely day and thank you for your reply

CAp1 DN.pdf

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LoL!:lol::lol::lol::lol:

 

As Beachy says the same old drivel churned out over and over again!

 

Hi Miss worry

Do you want us to rserve a place on the coach if the crapital one fan club ever get an invite over to their offices to view our alleged agreements!:D I think i really upset them as i never heard from them again !

Im happy to help with support and my own opinions but as i have no legal qualifications If I offer any thoughts to your problems please take it as from my life experience only and not of any legal standing. Always take further advice from the legal experts in your final action,

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Hi Sunflower,

 

Damn right I want a seat on that coach trip, wouldn't miss it for the world and I'd even pay for the Diesel..............by credit card of course:-D

Edited by missworry
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LOL! Though it will have to be a whole fleet of coaches! I reckon!:D

 

Beachy said we would supply some food for the picnic and i will provide the wine!:D

Im happy to help with support and my own opinions but as i have no legal qualifications If I offer any thoughts to your problems please take it as from my life experience only and not of any legal standing. Always take further advice from the legal experts in your final action,

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I know the agreements that we refer to are no longer in existence. Has anyone gone to the media about this? Surely if they did it could cause Capone so many financial problems and in doing so it may get us all off the hook:)

 

P.S Sunflower, the food and wine sound a fantastic idea - while the weather is fine we could have a BBQ in the capone car park ....think of the publicity:-D

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Hi missworry,

 

As far as Mr MB is concerned, have a read of this thread - it'll put your mind at rest :D.

 

http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/247828-capquest-new-improved-terrifying.html#post2774988

 

 

Also send Mr MB this one, (edit/amend to suit) recorded delivery - if he ignores it and still threatens litigation give me a shout.

 

http://www.consumerforums.com/resources/templates-library/86-debt-collectors/574-letter-when-account-has-been-passed-on-whilst-agreement-request-is-in-dispute

 

PS. Been without broadband connection all day so havent had chance yet to look at the DN, will get back to you.

Edited by beachcomber60
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Hi Beachy,

 

That 'Butterworth' is a sly old Dog isn't he :grin:

 

Thanks for the two links, very helpful indeed.

 

I will keep you posted on the 'Butterball' situation... sorry did I write 'Butterball'?....I meant 'Butterworth' whoops!:lol:

 

Once again, thank you so much Beachy you're a star!

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  • 6 years later...

Hello,

 

I have just checked my credit file,

 

 

it would a appear within the last few months I have received a CCJ.

 

 

This has come as a bit of a shock mainly because I have not lived at my old address for 12 months.

 

 

Therefore, I was not in a position to have been made aware of the impending action.

 

 

Needles to say, my absence in court was sufficient grounds for the judgement to be served.

 

Can I apply to the courts to have this judgement removed?

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nope

its your responsibility to inform your creditrs of a move of address

 

 

I'll guess this is a DCA that has done this?

they purposefully look for accounts like yours whereby they know you've moved

and wont get any of the paperwork and they get a default rubberstamped judgement without anything being checked.

 

 

tell us about the debt please etc etc

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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nope

its your responsibility to inform your creditrs of a move of address

 

 

I'll guess this is a DCA that has done this?

they purposefully look for accounts like yours whereby they know you've moved

and wont get any of the paperwork and they get a default rubberstamped judgement without anything being checked.

 

 

tell us about the debt please etc etc

 

Hi

 

Thank you for getting back to me so quickly.

 

The debt was with Cap1.

 

 

In 2010 requested a copy of CCA

 

 

They failed to supply prescribed terms and signature on the same paperwork, etc,

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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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ok i'll merge them.

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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done.

 

now I would assume its a dca that got the CCJ?

 

you have the CCJ number

give northants bulk a ring and ask for a copy.

 

but I fear there is little you can do about it

unless you can prove the claimant already knew your correct address ?

that will be a start

 

what date was the CCJ too?

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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