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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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      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.

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Nat West / Wescot


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Good afternoon

 

Im not sure if I am posting in the correct place so please let me know if not

 

I sent a CCA letter to Wescot who have recently taken over my Nat West debts

 

I have today received the attached reply and they have enclosed my £1 postal order.

 

Want is my next step please, do I have to send the request to someone else or are Wescot in the wrong

 

Many thanksScan 1.jpeg

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Wescot are only acting on behalf of the ocean. Ignore them completely

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

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Thank you @renegadeimp

 

 

So how does that leave me, I have sent them the CCA but they have returned it. does that mean that they are still liable to produce the required documents or will they say that they have instructed me to ask someone else for them.

 

I suppose I am asking what to expect and whether or not I should be relying to tell them that it is their responsibility and not mine

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Edit

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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Ignore wescot . Send cca to the oc

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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Thanks @renegadeimp

 

I have another question, if the OC provides the correct information what do I do then. Wescot will still be chasing but they won't know that I have the documents. Wescot have told me that they have taken over the account so I dont understand how this will all pan out

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Sorry I have another question

 

The CCA letter I used for Wescots (from your library of letters) told me to delete part of it if the letter was going to a DCA and not the original creditor.

 

Will I now need to send the full letter (with no deletions) as it is now going to the original creditor

 

Many thanks

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Sorry I have another question

 

The CCA letter I used for Wescots (from your library of letters) told me to delete part of it if the letter was going to a DCA and not the original creditor.

 

Will I now need to send the full letter (with no deletions) as it is now going to the original creditor

 

Many thanks

 

 

Sorry please disregard the above post. I have confused myself but am sorted now

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Good morning

 

I am going send the CCA to the original creditor as suggested here but am wondering what happens now when Wescot start to chase me for payment (if they are only acting behalf of Nat West and don't now own the debt). My understanding is that they don't have the right to if they can't produce the relevant paperwork as originally requested.

 

If the original creditor produces the paperwork how does this authorise Wescot to collect

 

Many thanks

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Wescot can't do anything unless they own the debt. Stop worrying about them. Theyre a talking shop. Nothing more

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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Or just use those letters as emergency toilet paper. It's what they're good for.

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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What's the story behind this debt please?

 

The fact that you sent the CCA request to wetcloths who should then forward it to their client, but didn't, is IMO a failure to supply the CCA.

 

That is of course if this debt comes under the CCA, if it is an overdraft, then it won't.

 

I do question doing wetcloths job for them though, I'd be sitting on my hands and not sending a new CCA request to the OC.

 

When was it taken out pre or post 2007?

What debt is it?

Have you checked your credit files?

When was the last time you paid anything toward this?

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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OK, good, so it's a loan, and a credit card?

 

You'll need to send them a CCA request for each, HOWEVER, wetcloths should have forwarded on your request to them, they didn't so IMO they've failed.

 

You can withhold payments if you wish, OR simply drop them down to £1 a month.

 

But if you're paying wetcloths, I'd be inclined to stop paying all together.

 

They haven't rolled these two accounts into one have they?

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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The DMP that was in place now shows Wescot as the people to pay and the 2 amounts show as a total on my statement, I haven't paid the DMP since I started the original thread as I don't have a job. I will not be paying the DMP again and in any case it will be cancelled next month by step change as it will be 3 months since it was paid

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edit

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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