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    • Hi all, an update on the case as the deadline for filing the WS is tomorrow i.e., 14 days before the hearing date: 7th June. Evri have emailed their WS today to the court and to myself. Attached pdf of their WS - I have redacted personal information and left any redactions/highlights by Evri. In the main: The WS is signed by George Wood. Evri have stated the claim value that I am seeking to recover is £931.79 including £70 court fees, and am putting me to strict proof as to the value of the claim. Evri's have accepted that the parcel is lost but there is no contract between Evri and myself, and that the contract is with myself and Packlink They have provided a copy of the eBay Powered By Packlink Terms and Conditions (T&Cs) to support their argument the contractual relationship is between myself and Packlink, highlighting clause 3a, e, g of these T&Cs. They further highlight clause 14 of the T&Cs which states that Packlink's liability is limited to £25 unless enhanced compensation has been chosen. They have contacted Packlink who informed them that I had been in contact with Packlink and raised a claim with Packlink and the claim had been paid accordingly i.e., £25 in line with the T&Cs and the compensated postage costs of £4.82. They believe this is clear evidence that my contract is with Packlink and should therefore cease the claim against Evri. Evri also cite Clause 23 of the pre-exiting commercial agreement between the Defendant and Packlink, which states:  ‘Contracts (Rights of Third Parties) Act 1999 A person who is not a party to this Agreement shall have no rights under the Contracts (Right of Third Parties) Act 1999 to rely upon or enforce any term of this Agreement provided that this does not affect any right or remedy of the third party which exists or is available apart from that Act.’ This means that the Claimant cannot enforce third party rights under the Contract (Rights of Third Parties) Act 1999 and instead should cease this claim and raise a dispute with the correct party.   Having read Evri's WS and considered the main points above, I have made these 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. 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. 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. 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. 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.  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. Clearly Evri have not read by WS as the above is all clearly explained in there.   I am going to respond to Evri's email by stating that I have already sent my WS to them by post/email and attach the email that sent on the weekend to them containing my WS. However, before i do that, If there is anything additional I should further add to the email, please do let me know. Thanks. Evri Witness Statement Redacted v1 compressed.pdf
    • Thank you. I will get on to the SAR request. I am not sure now who the DCA are - I have a feeling it might be the ACI group but will try to pull back the letter they wrote from her to see and update with that once I have it. She queried it initially with 118 118 when she received the default notice I think. Thanks again - your help and support is much appreciated and I will talk to her about stopping her payments at the weekend.
    • you should email contact OCMC immediately and say you want an in person hearing.   stupid to not
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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.

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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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HUGE Debt due to gambling and payday loans!!


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Hi,

 

This is my first time on here so sorry if this is not in the correct thread. I took a loan out in my partners name in 2015 and he's only just found out.

 

I had a massive gambling problem then, I have tried repaying some of it but my debt spiralled out of control due to the gambling issue and I've stopped paying it!

 

I just need some advice on how to fix this? I know probably some people will judge me for what I did and I suppose it's fair enough but any advice is appreciated. The loan was for £2200 taken with AvantCredit, they did not ask me to prove my identity either, that might've perhaps put a stop to that (I'm not blaming them).

 

Thank you in advance

Edited by honeybee13
Paras.
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http://www.consumeractiongroup.co.uk/forum/showthread.php?471368-wife-has-run-up-over-£25k-of-unsecured-debt!

 

 

Is there a template letter that you could send to the debtor?

 

had a email off fso aujudictor and he's found in wife's favour for pay day advance and recommended all intrest and fees are repaid. And the debit and default removed from credit file. Well happy just waiting for pay day advance to make off and provide figures.

Hi there,

I'm in the same position as your wife (very ashamed of myself) I've got around £25000 debt and so stressed about it I don't know where to even start! Is there a specific letter you used to write to them as in a template or did you just explained the situation? I would be very grateful for your help

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type in irresponsible lending

in the top red toolbar search cag box......

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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Dear All,

 

I have started a thread yesterday,

but i feel a new one is needed with a bit more detail in order to get some help!

 

I've had a very big gambling problem ,

started becoming serious about two years after my son was born, in 2012/13, now under control however, a little too late.

 

 

Long story short,

i have cashed in about £5000 worth of NS&I bonds after i gambled away my income,

maxed all my credit cards

then started taking out payday loans when all the cards were useless.

 

 

From there on everything just went downhill fast,

started winning ,

paid some money back,

took them out again then started loosing everything.

 

Of course then I got desperate for more money chasing my losses and hoping somehow all that money miraculously would come back (how stupid was I !!!) and took a loan out in my partners name for about £2200 with Avantcredit.

He's only just found out about it, and to say the least he's absolutely fuming!:mad2: (can't blame him )

 

I need desperately to get out of this mess .

..i don't know where to start!

 

 

he's not speaking to me at the moment the atmosphere in the house i can't even describe!

 

I've paid avantcredit back a little bit then stopped due to all my other debts!

It is obviously on his credit report now,

do you think if i contact the company and tell them it was me that created the debt and not him, they will remove it from his credit file?

 

 

I obviously need to pay them back, would they agree to that or would they report me for fraud? :sad:

Thank you in advance

 

I forgot to say, my debts now are somewhere around the £25000 figure

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Both your partner and Advantcredit could report it as fraud. I doubt it would be removed from your partners credit file.

 

You really need to list all of your current debts, roughly how much and when you took them out. Then you might get more advice.

 

Did you provide accurate information when taking out the loans ? If you gave any false information such as employment income then you might find it more difficult to argue irresponsible lending.

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

 

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

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ive merged you thread

keep to one

always better.

 

id say it might be best to do a I suggested before

 

for the minute

concerntraste on your debts

get irresponsible lending complaints going against each company

that should release funds to pay his loan off

and then problem solved.

 

id be paying his loan

forget the rest get IR's running.

 

oh and tell him AND YOU

to go read irresponsible lending threads here.

 

not your fault, but its over now

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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Thank you both for the advice and help and of course your time,

 

 

my debts go back to 2013 loads of payday loans,

I've pulled my credit report today and looked back,

 

 

I will compile a list this weekend with all of them paid and still outstanding,

 

 

I'm probably going to get the shock of my life looking at all the waited money !!

 

 

But unfortunately what is done is done.

 

 

Thanks again

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Hi liss... We have created a PDL guide for reclaims etc...

Have a read...

 

 

http://www.consumeractiongroup.co.uk/forum/attachment.php?attachmentid=67901&d=1494768216

Edited by Andyorch
edited

 

We could do with some help from you.

 

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

 

**Fko-Filee**

Receptaculum Ignis

 

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