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    • Good morning,  I am back here as I have my court hearing on the 16/1/24 and wanted to prepare myself. I have started to read through the cases here where people in similar situations have gone to court and the recently added court transcript. I will continue to read about third party rights. Is there anything else you feel would help.  Many thanks
    • Okay. Thanks for this. If you redact documents in future, please could you be a bit more delicate about it so that we have a more careful idea about what is missing and we don't get the impression that may be something important is covered up. You will get your money back – but it's important that you realise now that you are in control. Read the stories. Read the advice that we give in the pinned treads at the top of the sub- forum. Ask us questions. The mediation process really doesn't involve much law. It really is just about stating your position and that making it clear that you won't back down and you were prepared to go to court. There is no reason why you should give up a single penny. I can appreciate that it is heartbreaking. There will be thousands of people this Christmas season who have parcels disappearing either through carelessness by EVRi or by theft committed by their own staff and people will be heartbroken. Despite that, EVRi will continue to try and defy people's legitimate claims. They run an insurance system which is unenforceable under section 57 of the consumer rights act. This is not a real insurance in that there is not a commercial insurance where it is simply just money in their pockets. My estimate is that EVRi themselves are earning several billions of pounds per year of unearned and undeserved money and the parcel delivery industry as a whole is probably earning £10 billion per year in exactly the same way. This is why they are so greedy about it and this is why they are so enthusiastic about not giving up a single inch. And of course it is the consumer who pays the bill. And this is billions of pounds every year which is removed from the UK economy.
    • Thank you so much, the first line just contained my home address, hence why I redacted that section in the second page. The claim form starts from point 3.15, I've posted everything honestly, it's my first time dealing with matters like this (and I hope to never do this again in the future) and I've stumbled - so I suppose I just felt really overwhelmed and treated unjustly about the situation after seeing their defence statement.  I had saved up so much money to buy this jacket for autumn, and was so excited to own it, it wasn't the right size so I wanted to return it, get my refund and purchase it again in the right size, and it's just led to this whole mess by EVRI.  I didn't even receive the £23 compensation, I checked my bank account again yesterday and still don't see it, so they are wrong in that matter.  I'm going to draft up my mediation open statement and post it here, it's booked for the 11th 
    • I hope you are feeling a little less depressed and dejected this morning. He managed to get this started on your own and many people don't get that far. It's pretty clear from your claim form the although it's a bit strange, that you've done some reading here before you sent it off. It might have been helpful if you'd posted up first but anyway it's okay and it's good enough to have warranted a full defence from EVRi. You've redacted the first one or two paragraphs are your claim form. I'm not sure why and it will be helpful if you could post the whole thing with minimal reduction – simply to remove your identifiers. You don't need to redact anything else. Don't worry about it – as long as we are honest and straight dealing, you can be comfortable about posting anything you want. You can be certain that EVRi is watching this thread already and they know exactly who you are and what you are doing and the claim that is coming. Once again, we don't engage in secret squirrel stuff. We are upfront and squeakyclean. EVRi knows this and this is something they have to deal with please can you post the claim form again – minimal redactions. That will be helpful to us. You are mediation coming up. One of the things you must do is to start feeling confident and don't start acting depressed or dejected. You have the whip hand. You can control this. EVRi are in the wrong. They know they are in the wrong and they are simply trying to raise obstacles to discourage other people. You will probably find that the person on the other end of the mediation is George Wood who is simply doing his masters bidding. Don't give any ground. Eventually you might give up some interest that you will get the money. If the mediation fails then simply walk away and we will help you in court and you will definitely win. Of course you're going to give ground on the double claim fee That was a mistake and you should refer to it immediately at the beginning of the mediation so that you can demonstrate that you are not trying to money grab. You are simply trying to get what you paid for which was the successful delivery of an item by EVRi. You paid 100% – you get 100% return. It's easy. Even George Wood would understand.
    • I think she still has the original court paperwork we were all.up to date with, just waiting for her to get to someone who can scan the papers properly!!
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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.

      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
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HSBC closing my business account, but admit it is an error by the IT team

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I am having an issue with HSBC with whom I have held business and personal accounts with for over 30 years.


I have received notification that my business account is being closed due to failure to submit the HSBC Safeguard form by 12 June 2017.


This form was submitted on 11 June 2017, a fact confirmed by 4 members of the HSBC Remediation Team, however, on the 12 June a popup claimed the form had not been received (despite showing a link to the completed form) and the account was being closed, but we had until the 10th October to complete it for the bank to reconsider. We assumed this was a fault on the system and decided to leave it for a few days to see if the message disappeared.


A few days later we received a letter confirming the closure (not on the 10th October but 13th August).

Wed 21st June – Called 08000 304 516 and spoke to Abdullah (Remediatioons) who confirmed it was an error, the form was received on 11 June and he would get the message removed.


Mon 8th July – Chased as no correction. We were now growing concerned and started recording calls about this case. I spoke to Abdullah again, who disappeared for 15 minutes, then asked several questions on the form which we answered. He said HSBC would be writing to me and “not to worry as we had until the 13th August to sort out the form and get the closure removed.”


Fri 14th July – Chased again as no letter. Received call back from Jasmina (HSBC Remediations Supervisor) who again confirmed they received the form on 11th June and they were aware of the error. The message was a known problem and being removed by the correction team on 17th June. She said she would monitor it.


Wed 19th July – Still no correction and we have been told for the last four weeks it would be. Spoke to Letitia who again confirmed it was the bank’s mistake and she would get Jasmina (who is dealing with it) to call us today.

When asked to confirm the account was no longer being closed, Letitia replied “I cannot make that decision.”

Will I still have a business account on 14 August? “I am going to reassure you to let you know that there is NO intention of doing that…….we can see it is our issue……you are NOT going to be jeopardised.” (taken from recording o call).

“I will reach out to get someone to reassure you……I will escalate it……..I will definitely get that reassurance for you today,,,,,,,I will get Jasmina to call you today.”


Fri 21st July – Rang again as no call from Jasmina. Spoke to Raman who said she would get the IT department to correct the message. I explained I was told this a month ago and she promised to escalate this and suggested I contact customer complaints as several customers who submitted their forms in June were having the same problem.



The account closure is 3 weeks away and as we have been promised for the last month this was an error that would be corrected, we have made no attempt to open another. Plus:



  • We have no wish to move our business account, we have a small overdraft on the account and besides this, everything is fine.
  • They are closing it on the basis that we did not submit a form, however, four members of staff of HSBC confirm was received on time.
  • We are not able to speak to someone in a position to give us direct answers.
  • We are currently working on current and forthcoming projects that will be paid in August and September and need to know we will have a bank account for the funds to be paid in to.

All we need is someone to say we are not closing your account, but nobody will.

Edited by maggie60
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Has anyone tried Cashplus - are they really as bad as Trustpilot reviews?



I was concerned as they only received 4.3/10, until I saw HSBC received 0.6/10 with 90% bad reviews.

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Thanks. I am due a call from the complaints team in the next day or two, and it that does not resolve it, I will email him.



Not moved bank, as I have been relatively happy with them for the last 30+ years.

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Sorry, didn't see your comment.



Email to MD did the trick and they started taking notice.


Wonderful! - Proof emailing up above can make a difference :)


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