Jump to content


  • Tweets

  • Posts

    • The lawsuits allege the companies preyed upon "vulnerable" young men like the 18-year-old Uvalde gunman.View the full article
    • 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   
    • Ms Vennells gave testimony over three days, watched by those affected by the Post Office scandal.View the full article
    • Punters are likely not getting the full amount of alcohol they are paying for, a new study suggests.View the full article
  • Recommended Topics

  • Our picks

    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 161 replies
    • 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.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
        • Like
  • Recommended Topics

Application Notice ??????????


Curt
style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 6391 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

I have gone through the various stages of trying to claim my bank charges back, and I've gotten to the point of actually going to court.

 

I went to see a solicitor today, and he told me that the reason LloydsTSB were defending the case was because the particulars of my claim were too vague. I subsequently went to my local county court in order to obtain an 'application notice' to amend my claim.

 

I was wondering if anyone could help me out as to how to fill this sheet in?

 

As I originally actioned my claim on the 'moneyclaim' website I didn't initially fill out an N1 form, so I will have to totally rewrite the particulars of my claim.

 

This whole process is very nerve wracking. Now, being told that I need to amend my claim is the icing on the cake lol :-|

 

Has anyone else been in my position? Any help at all would be gratefully received :)

 

Cheers! Curt

Link to post
Share on other sites

hi, i'm in a similar boat as curt- the court allowed a set aside because the bank claim that they didnt know anyhting about it until after the default judgement was passed. also 'the details were vague' and the judge (who was very nice by the way) suggested i resubmit my claim, with full itemised charges, despite the fact that my lba had them all on. so, i am also facing resubmitting- don't worry though, its just a delay. however i will do it the old fashioned way and not online, and send copies of the bundle to the bank and their solicitors (its lloyds btw) so that everyting is in place. i didn't use the template suggested when i made the original claim, wish i had. duh.

 

am downloading as much legal bumpf as i can to add to the claim, any advice from experienced voices would be welcome, i'm sure by curt too.

 

cheers

Link to post
Share on other sites

Thanks a lot Michael, that's a real help! :D I'll copy my amended claim from the link you gave me there. All I need to do is to find out how to fill in the 'Application Notice' form.

 

SJMG, what did the judge say to you when he said you should amend your claim? Were you issued with one of these application notice forms?

 

 

 

In response to Michael's question, I have pasted my original particulars of claim below.

 

"I am claiming the return of money taken by

the defendant in the way of charges over

the last 6 years plus the interest plus the

interest they have levied on those charges.

The bank's charges are a disproportionate

penalty and therefore unenforcable as they

are contrary to common law. Further, as a

disproportionate penalty they are invalid

under the Unfair (Contracts) Terms Act 1977

s.4 and under the Unfair Terms in Consumer

Regulations 1999. Para.8 and sch.2(1)(e).

In the event that the charges are not a

penalty then they are unreasonable within

the meaning of the Supply of Goods and

Services Act 1982 s.15.

I am claiming interest under section 69 of

the County Courts Act 1984 at the rate of

8% a year from 16/10/00 to 02/10/06 of

£158.12 and also interest at the same rate

up to the date of judgment."

Link to post
Share on other sites

hi curt,

 

the judge said that it was the fact that my mcol claim didn't contain the itemised charges, and that to avoid any lack of clarity that i should resubmit. he said the only issue relevent to the set aside was that a court should decide whether the charges are fair or not and to allow the bank to present their defence.

 

i'm not sure what the process is for resubmission, i'm going to call mcol tomorrow to ask them how i should proceed. my main issue at the moment is whether by resubmitting my claim i have to pay the fees again, and whether i am justified in adding that amount to the total of my claim. also, i did not claim for the interest, and am not sure if i can now or not.

 

cheers

Link to post
Share on other sites

Essentially these are fine. Fore-shortened maybe (due to MCOL limitations) but not vague, and Lloyds are defending because they do so as a matter of course. I personally would not bother going to the trouble, expense and delay of submitting an amendment, but you're perfectly free to follow you solicitor's advice.

 

if you do there are expanded POC's for N1 here:

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/681-4-particulars-claim-n1.html

Link to post
Share on other sites

i'm not sure what the process is for resubmission, i'm going to call mcol tomorrow to ask them how i should proceed. my main issue at the moment is whether by resubmitting my claim i have to pay the fees again, and whether i am justified in adding that amount to the total of my claim. also, i did not claim for the interest, and am not sure if i can now or not.

 

 

Use N244 to amend your claim (£35 fee, unreclaimable), submit it with 3 N1 + 3 schedules. Court will return 2, one of which you serve/send to Lloyds and confirm to the court you have done so.

 

Download N244 here:

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/41901-form-n244-application-notice.html

Link to post
Share on other sites

hi michael,

 

thanks for that. stupid question(s)- but should the n1 contain the original claim or shall i fill out another, new claim as my mcol claim was lacking in specifics, and is it part of section c supporting evidence or should that be just itemised charges, lba and any legal documents relating to the case, and what are the schedules? is there a template available that you know of to fill in the n244 correctly for this type of claim?

 

also, is it too late at this point to add the interest charges?

 

sorry for all the qs i just want to get this bang on the nose this time, i made mistakes first time round that have dragged this out.

 

your help greatly appreciated.

Link to post
Share on other sites

N244

 

Top left hand box:

 

1. Tick c), without a hearing

 

Leave the rest blank

 

Part A

intend to apply for an order that:

amends my particulars of claim

 

because:

my particulars of claim did not state the statutory provisions on which my claim relies, nor did I submit a list of itemised charges

 

 

Part B:

 

tick 'evidance in part C' box

 

Part C:

 

Something like;

 

Please find attached to this application my proposed new particulars of claim, as well as an itemised schedule of charges for the amount claimed in respect of penalty charges levied by the defendant"

 

 

 

N1

PARTICULARS OF CLAIM

 

 

1. The Claimant [has] [had] an account (XXXX Account No) with the Defendant which was opened on or around Date [and closed on or around date]

 

2. During the period in which the Account [has been] [was] operating the Defendant debited numerous charges to the Account in respect of purported breaches of contract on the part of the Claimant and also charged interest on the charges once applied. The Claimant understands that the Defendant contends that the charges were debited in accordance with the terms of the contract between itself and the Claimant.

 

3. A list of the charges applied is attached to these particulars of claim.

 

4. The Claimant contends that:

 

a) The charges debited to the Account are punitive in nature; are not a genuine pre-estimate of cost incurred by the Defendant; exceed any alleged actual loss to the Defendant in respect of any breaches of contract on the part of the Claimant; and are not intended to represent or related to any alleged actual loss, but instead unduly enrich the Defendant which exercises the contractual term in respect of such charges with a view to profit.

 

b) The contractual provision that permits the Defendant to levy such charges is unenforceable by virtue of the Unfair Contract Terms in Consumer Contracts Regulations (1999), the Unfair Contract Terms Act 1977 and the common law.

 

 

5. Alternatively, if the charges are a fee for a service, then they must be reasonable under S.15 of the Supply of Goods and Services Act 1982.

 

6. Accordingly the Claimant claims:

 

a) the return of the amounts debited in respect of charges in the sum of £XXXX and any interest charged thereon;

 

 

b) Court costs;

 

c) Interest pursuant to section 69 County Courts Act as set out on the attached list of charges or at such rate and for such periods as the court deems just.

  • Haha 1
Link to post
Share on other sites

That's brilliant advice Michael, thanks!

 

I've filled out my N244 form, and am now ready to complete my three N1 forms. I know what to write in the 'particulars of claim', however, there is also another box entitled 'brief details of claim'. I was wondering exactly what I should write in here? Is it just a shortened description of my 'particulars of claim'? :D

 

Cheers!

Link to post
Share on other sites

Couple of points, before filling out the N244 and sending off the fee, ask the defendant if they will agree to you amending your claim, i believe you can amend the claim by agreement which costs nothing.

 

As much as you may think it strange the defendant has nothing to loose from you amending your claim, if it comes to it you would have nothing to gain from agreeing to allow the defendant to alter their claim.

 

If either party refuses to agree all they would do is apply and pay the fee, so its worth a go.

 

Secondly if you have any defaults associated with these charges when you amend add them to your claim.

 

JMHO

 

Glenn

Kick the shAbbey Habit

 

Where were you? Next time please

 

 

Abbey 1st claim -Charges repaid, default removed, interest paid (8% apr) costs paid, Abbey peed off; priceless

Abbey 2nd claim, two Accs - claim issued 30-03-07

Barclaycard - Settled cheque received

Egg 2 accounts ID sent 29/07

Co-op Claim issued 30-03-07

GE Capital (Store Cards) ICO says theyve been naughty

MBNA - Settled in Full

GE Capital (1st National) Settled

Lombard Bank - SAR sent 16.02.07

MBNA are not your friends, they will settle but you need to make sure its on your terms -read here

Glenn Vs MBNA

Link to post
Share on other sites

Cheers everyone! Thanks for the advice :) I'm now getting everything filled out now.

 

I'm making my claim via the small claims track. This way I am lead to believe that I won't have to pay the defendant's court fees etc if I lose. Therefore, should I put on my N1 claim form that I am claiming my £120.00 court fee back if I am not prepared to pay their court fee if i lose? :|

 

Cheer! Curt :D

Link to post
Share on other sites

Curt

 

your particulars of claim should just include a line for costs.

 

Don't worry the court nor the other side will let you have anything your not entitled to.

 

With regards not being prepared to pay the other sides costs it doesn't work like that I'm afraid. If costs are awarded against you, you have to pay them.

 

However, in small claims court it is generally recognised that costs are not awarded unless someone has behaved unreasonably.

 

HTH

 

Glenn

Kick the shAbbey Habit

 

Where were you? Next time please

 

 

Abbey 1st claim -Charges repaid, default removed, interest paid (8% apr) costs paid, Abbey peed off; priceless

Abbey 2nd claim, two Accs - claim issued 30-03-07

Barclaycard - Settled cheque received

Egg 2 accounts ID sent 29/07

Co-op Claim issued 30-03-07

GE Capital (Store Cards) ICO says theyve been naughty

MBNA - Settled in Full

GE Capital (1st National) Settled

Lombard Bank - SAR sent 16.02.07

MBNA are not your friends, they will settle but you need to make sure its on your terms -read here

Glenn Vs MBNA

Link to post
Share on other sites

Okay I can understand all that. But I was told that if it went through the small claims track that both parties just pay their own court costs and not each other's.

 

If I have to pay the defendant's court costs etc it might not actually be worth me going through with it in case I lose :shock: I don't think I'd be able to afford to pay their fees if I did lose.

 

Curt

Link to post
Share on other sites

Curt

 

Michael is right if i confused you I'm sorry, i was only trying to point out that you don't put that you're not prepared to pay the defendants costs on the N1.

 

Glenn

Kick the shAbbey Habit

 

Where were you? Next time please

 

 

Abbey 1st claim -Charges repaid, default removed, interest paid (8% apr) costs paid, Abbey peed off; priceless

Abbey 2nd claim, two Accs - claim issued 30-03-07

Barclaycard - Settled cheque received

Egg 2 accounts ID sent 29/07

Co-op Claim issued 30-03-07

GE Capital (Store Cards) ICO says theyve been naughty

MBNA - Settled in Full

GE Capital (1st National) Settled

Lombard Bank - SAR sent 16.02.07

MBNA are not your friends, they will settle but you need to make sure its on your terms -read here

Glenn Vs MBNA

Link to post
Share on other sites

Cheers lads, I understand where you're coming from now :rolleyes:

 

Don't apologise Glenn, I really appreciate the advice and you taking your time to help me. I really appreciate the help both of you have given me. Without your know how I wouldn't be able to do this properly.

 

Curt

Link to post
Share on other sites

Hey Michael,

 

I've filled out my new N1 claim forms by copying what you wrote in your earlier post.

 

I was just wondering if you could tell me if this last part is correct and what it means. Tell me if I'm wrong, and I most probably am wrong, but does the following quote contradict itself?

 

"c) Interest pursuant to section 69 County Courts Act as set out on the attached list of charges or at such rate and for such periods as the court deems just.

Interest persuant to S.69 County Courts Act 1984 of 8% - £xxx [enter interest total at date of claim] continuing at 8% until judgment or settlement at a daily rate of £0.xx;"

 

Thanks a lot!

 

Curt

Link to post
Share on other sites

Well spotted, that man!!

 

This is the hard copy N1 version:

 

c) Interest pursuant to section 69 County Courts Act as set out on the attached list of charges or at such rate and for such periods as the court deems just.

 

And this is the MCOL version:

 

Interest persuant to S.69 County Courts Act 1984 of 8% - £xxx [enter interest total at date of claim] continuing at 8% until judgment or settlement at a daily rate of £0.xx

No idea why the difference or how I came to post both,

Link to post
Share on other sites

FWIW

 

you should realise though that the Court wont increase the interest beyond 8% even if they think you deserve it.

 

They can only reduce the amount of interest paid, so by only stating Sec69 in your POC you can only be awarded a max of 8% simple interest on your claim.

 

HTH

 

Glenn

Kick the shAbbey Habit

 

Where were you? Next time please

 

 

Abbey 1st claim -Charges repaid, default removed, interest paid (8% apr) costs paid, Abbey peed off; priceless

Abbey 2nd claim, two Accs - claim issued 30-03-07

Barclaycard - Settled cheque received

Egg 2 accounts ID sent 29/07

Co-op Claim issued 30-03-07

GE Capital (Store Cards) ICO says theyve been naughty

MBNA - Settled in Full

GE Capital (1st National) Settled

Lombard Bank - SAR sent 16.02.07

MBNA are not your friends, they will settle but you need to make sure its on your terms -read here

Glenn Vs MBNA

Link to post
Share on other sites

Haha, I'm eagle eyed I am mate!

 

I've actually got the paper versions of the N1 form which I collected from the court. Can I write down the MCOL version on these paper N1 claim forms? I've written both of them on my paper forms, but I'll just have to tipex the one out :D

 

Cheers, Curt

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...