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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   
    • Ms Vennells gave testimony over three days, watched by those affected by the Post Office scandal.View the full article
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    • no you need to get reading up..... everything is explained time and again in the threads i linked you too. sorry i thought you'd filed your defence? doesnt matter, try in daylight hours each day , a couple of times. you've weeks there is no rush at all. to file it.     if you did .....ideally you need to remove para 1 from your defence then.
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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.

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      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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Let's Make Cap1 Uncomfortable


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wow i used to feel like i was the only one... capital one has left me feeling soo low, i get phone calls from them every couple of days, even after i explain them the situation two days late another person calls asking for the charges to be cleared on the account etc.. so one time i got so upset that i took it out on the caller, telling her it was her fault i couldnt pay off the charges cuz they kept on adding more charges even when i payed the amount they wanted, didnt let her talk so she shut the phone in my face...:) i think maybe there should be a standard letter template we could all send to the complaints office.

im going to sleep well knowing im not a victim of capital one anymore. :D

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Guest Battleaxe

Looks like Crap1 and MBNA use the same tactics. please read the protection from Harassment 1997 Act and file a complaint with your local constabulary, but don't go the lower end of the Totem write to the Cheif Constable with a cc to your MP. then sit back and watch what happens.

 

Write to Crap1 with a copy of the letter to the Cheif Constable and your MP, and let them squirm. of course address yur letter the Crap1 Cheif Exec send it recorded delivery.

 

This my next move. o h don't forget to reporrt it to the OFT at the same time..

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hiya, thanks for the advice. im going to be sending a letter to capital 1 first telling them to stop calling me. its not only them uts barclays bank as well. they are all terrible...

thanks again

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:o Teaspoon.....you could be the arrow in the CAG bow, or to put it another way, the teaspoon stirring up C1's nice hot cuppa:D

 

No wonder their staff at the call centres are so rude and unhelpful.

 

We need to devise a firm plan of action in order to confidently move forward with this suggestion/idea/complaint.

 

One thing I am sure of is that everybody involved has had enough of C1 to last a lifetime.

 

Battleaxe, what do you think the outcome would be from your proposed actions?

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Guest Battleaxe

30 November 2006

 

Mr Gavin Theobold

Customer Advocate Office Manager

MBNA Europe Bank Limited

Chester Business Park

Chester

CH4 9FB

 

Dear Sir,

 

Account xxxxxxxxxxxx

 

In reply to your letter dated 27th November 2006; as a responsible lender you would have listened to what I said when I first contacted your office regarding the returned Direct Debit payment and when I could make payment. Your organization chose to ignore this conversation and started a concerted campaign of harassment. You have also breached the Data Protection Act by sharing my information with a third party without my consent. I have no way of knowing if my information is secure now it has been sent offshore. I have been informed this third party is paid a bonus if I make a payment under duress and constant harassment.

 

I am expected to believe you when you write stating that my telephone number has been removed from your automatic dialer. I am sorry, but your behaviour in the past does not warrant my trust that you have undertaken this action, and that you will not start harassing me in the future. You should have done this before I had to resort to the only recourse left to me and report your conduct to the relevant authorities.

 

How many times do you need to be told that a payment would made, for me to be met with a response from your operatives, that you will keep harassing me until the payment is made? This is not the action of a responsible lender. Your actions have caused distress and an apology will not remedy that. If you had been sincere you would have listened in the first place and not embarked on the course of action you did. As a result of your actions I have had spend money seeking legal advice and researching the Protection from Harassment Act 1997.

 

You are aware that I have reported your conduct to the Office of Fair Trading and the Police. This is no longer a civil matter but a criminal matter in the terms of the above mentioned Act and as such your organization can be prosecuted for breaching the Act. Please refer to http://www.opsi.gov.uk/acts/acts/1997/97040--a.htm.

 

This matter is not closed and I will be seeking redress for damages and distress.

 

I have been asked to present all my documentation regarding this matter to the Crown Prosecution Service for review.

 

I have also made representation to my Member of Parliament.

 

 

Yours sincerely

 

 

 

Phillipa Smith

 

 

 

 

Cc Cambridge Constabulary CC-xxxxxxxxxxxx

Hertfordshire Constabulary (information)

Office of Fair Trading L/Complaint/xxxxxxx

Information Commissioner’s Office (Data Protection Act)

 

 

They hate it, this is my reply to a letter of apology after I brought pressure to bear

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Guest Battleaxe

Oh Kent got a repy from Mr Robert Udy today,sayingit is going to take a bit time to respond to his request for SAR. really???? clock ticking.

 

Filing tomorrow in Court for non compliance by MBNA. Yahoooooo....

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You have also breached the Data Protection Act by sharing my information with a third party without my consent. I have no way of knowing if my information is secure now it has been sent offshore. I have been informed this third party is paid a bonus if I make a payment under duress and constant harassment.

 

 

Could you please tell me how this came about?

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Guest Battleaxe

Scottishpol,

 

MBNA use a call centre in India to make outbound calls to customers. they also send details to Global Vantedge a DCA in New Delhi. If you check further regarding Data Protection this information is not supposed to go outside the European Union. I cannot quote exactly, but I read it somewhere.

 

In Mumbai a hundred or so operatives are sitting at computer screens with all our financial details in front of them.

They have all your security information, your bank acount numbers, your phone numbers, dates of birth, employment, mother's maiden name..

 

 

Surely you have read about people's information being sold by these operatives to others. I am not saying this happened in my case, but it has happened.

 

Just how secure are the details once these are sent offshore?

 

In our SAR we asked for MBNA to disclose exactly what are the security arrangements. They have not replied and how is this information transmitted offshore. We have also asked for information about disclosing our details to a third party and exactly who are the third party.

 

We do not know exactly who operate these call centres on behalf of MBNA and Capital One, yet our information is given to them.

 

Example. BT operate a call centre at Doncaster, yet BT do not employ the call centre staff, they are employed on contract from several employment agencies, paid by the employment agencies who tender for the contract to staff the Call Centre for a certain period of time. There is a turnover of staff every six weeks. If the call centre operatives do not achieve a certain number of sales, there a disciplinaries and dismissals. it does not take much to for a disgruntled operative to retaliate.

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Very interesting with what you have said regarding external third parties being aware of all our own personal user info. This is know also to my husband who had heard of this recently as well and you also ought to know that info held in UK County Court Files are also worked on by external subcontract admin and secretarial staff. This we found to be very to be very uncomfortable with that the fact your personal info is not kept securly.

I am sure we should not be hi jacking this thread but I do think you have a point and I myself are certainly interested in the India call centres.

DS

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Guest Battleaxe

Just another approach to make Capital One feel uncomfortable. perhaps a query to the Information Commissioner might help.

 

The only other way is to stop doing business with institutions who use call centres outside of the UK. We moved our power and gas from PowerGen because of this. We do not use BT Yahoo broadband because of the same reason. we pay a bit more for our bradband service, but at least it is in England and we do not pay for calls regarding technical services. By not patronising these companies it is the only way can protest about our informatin going offshore. We have been victims of internet fraud and it had to be someone who had all bank details. No-one would tell us anything, but we have our suspicions. it is not nice having your bank account stripped, especialy when when we do not do internet banking and had our cards n our possession. our cards were not cloned and our identities got stolen. This is partly how we got into this mess and then it snowballed with the bank adding charges while all this was being investigated. Now you know why Iam so aggrieved.

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I understand your concerns Battleaxe, recently I have been thinking about the exact same issue regarding non UK call centre security.

 

The recent tv programme highlighted the issues involved with identity theft.

 

I received a call from from a C1 "agent", they initially made out that they were from C1 but the girl had a very strong North American accent.

I started to ask a few more questions about her identity and managed to find out that she in fact was not an employee of C1, but of a call handling company in Canada that was simply contracted to C1.

Exactly who they were is still a mystery to me.

Since I refused to confirm my own details she would not tell me any more information.

This worried me!

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Guest Battleaxe

The only way to treat these call centres is not answer any of the security questions and when they start harassing, remember, these operatives are on a bonus if they get a payment out of you, so the calls will continue, you immediatley send the letter in the Library section and for the heck of it run off a copy of the Protection from Harassment Act 1997, report it to you member of parliament and to the OFT and then send the lot to the Chief Exec of Crap One.

 

Make sure you keep a log of the time they call you.

 

Protection from Harassment Act 1997

 

There are two parts of this England and Wales first part and Scotland second part

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Sonya,

If you've already been writing to them asking for your charges back etc.. with Pre Lim letter and LBA letters etc.. and they have simply been refusing to repay you - means your account is in dispute - they shouldn't be defaulting anyone while and account is in dispute - you should tell them this (either by letter or phone and contact them to tell them so)

 

Try do some reading around the different boards here you will see how others dealt with this situation - there are threads on here where others had similar threats from Banks/credit card companies.

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Guest Battleaxe

Don't ring them, the call will end up in India. they don't care at all. never talk to them on the phone, make them put everything in writing. they hate it. Their letters are so weasle worded bcause they have to behave. on the phone they say one thing and do another.

 

Write a letter remind then the account is in dispute, and that you have notified the OFT, (you can do this online) send it recorded delivery.

 

Then by email send the OFT a copy of your letter to Crap 1. This way you are building a case up against Crap 1 should they even try to default you.

 

Once you have commenced sending letters Prelim and LBA the account is in dispute and Crap 1 will be in doo doo if they do issue a default.

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Scottishpol

I just let people talk to the robot on my answer machine now - amazing how many people don't want to talk to that machine!!! :D :D

 

and don't you just find if you do not answer they hang up and do not leave a message

DS

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DS,

 

I agree - I could say about 95% of people never bother leaving a message!!! Not a lot of point in answering calls to people who don't listen to what you are saying is there? I just let the machine get rid of these calls now - makes me laugh everytime they hang up without leaving a message :D

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DS,

 

I agree - I could say about 95% of people never bother leaving a message!!! Not a lot of point in answering calls to people who don't listen to what you are saying is there? I just let the machine get rid of these calls now - makes me laugh everytime they hang up without leaving a message :D

 

What I do not like is when you do answer the phone there is deafly silence and you are saying hello, hello.......

then some person comes on and you know instictively what they are going to say, I always tell then that the person they want is out and that takes care of that or I leave it to go on the answer machine and as you say they never leave a message. So it could not been very important.

DS

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  • 1 month later...

Right it's about time something was done. Sorry for the delay (xmas, separation, moving etc) and I have limited internet acces at mo... however....

 

It is fairly clear that there are a lot of disgruntled customers and ex-customers here on this forum and enough to at least get one of the relevant authorities to sit up and take notice.

 

So, with this in mind what does everyone think is the best place to start?

 

Suggestions of mine would be everyone who was defaulted without relevant notice writes a letter at same time. Would that be to the OFT?

 

My main gripes are:

Defaulted without a proper notice

Account handed to Debitas and CapQuest while in dispute/subject to court claim

 

I do have a whole lot of other gripes (phoning after telling them not to, not replying to correspondence, general incompetence and lying about 'promises' I made to pay but I'm not sure how much I could make of all that).

 

Everyone put sensible suggestions and if anyone has a template letter we could all use that would be great (I'm no great letter writer - although getting a lot of practice).

 

:)

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i hate cap 1, havent been able to file my claim due to lack of funds, although i have sent the lba and they have just passed my file to a dca, legal and trade,even though the account is obviously in dispute! they are threatening me with getting a charging order against my house!! its probably going to turn out that cap 1 owe me money once ive added the interest and court fee!!

lets get this show on the road!!

cap one - prelim letter sent 23/8 £460 owed

partial refund, now sod off letter received 6/9

lba 5/10, claim served 30th jan,

CAP ONE SETTLED IN FULL 15thTH FEB!!!

 

 

lloyds card services - prelim sent 23/8 £332 owed

sod off rerceived 25/9

lba 26/9

claim issued via mcol 13/10

awaiting papers from SC&M

court date set for 26th March

 

 

nat west - Data Protection Act sent 11/7.. non compliance.. considering court action.

non compliance letter sent 29/8 giving them a further 7 days- gave them loads more days!!

5/10 lba sent for pre action disclosure

settled in full 2.1.07

 

 

 

cahoot - Data Protection Act sent 7/8 on hold for a while

 

Tesco - prelim sent 6/10 £200 owed

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