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    • No. The defence is different. Their defence paragraph 2.7, 2.8, 2.9, 2.10 – for the first time makes reference to an alleged term between the Packlink/EVRi contract which apparently specifically excludes the effect of the Contracts (Rights of Third Parties) Act 1999. If this is true then it is very likely that they will have closed that loophole because the 1999 act specifically allows itself to be excluded by an express term within the principal contract I think that you will have to do ask the court to require them to provide evidence by way of presenting their contract and also the date that this new amendment was inserted. I understand that your claim refers to an item which was lost a year or so ago. These give us the date. We would certainly want to know that this amendment predates the date when you first contracted with Packlink to send the item. I would want to say to the court that in the absence of their willingness to confirm with evidence the date that this contractual amendment was made, that the court should assume that this was a recent amendment and was therefore not in force at the time you made your contract. We have third-party defences on this sub- forum which are fairly recent and there has been no mention of this exclusion of the 1999 act. I think we can take it that this is something that they have put together very recently. Secondly, even if they want to exclude your third party rights, it does not absolve them from the negligent handling of your item and in respect of an action for negligence you have first party rights. You don't have to rely on third party rights – although of course, you didn't allege negligence in your original claim. We didn't advise you to do so. Maybe shortsightedly we didn't foresee this contractual amendment. Of course assuming that this contractual amendment is true – although I expect it has only been added recently – what they are saying here is that nobody in the United Kingdom who makes any contract with any parcel delivery company using Packlink will have the right to bring a claim for lost or damaged or even stolen parcels. These people have lost their moral compass. It is shabby treatment of ordinary customers who pay their money and who repose their trust in these parcel delivery companies. No wonder that the Paralegal Children are now ashamed to sign off these documents with their own names. In terms of parcel tracking information – apparently it has been destroyed according to their own data protection policy. That's their business. It's got nothing to do with you and they can't use this to frustrate the six year limitation for bring a breach of contract action or the three-year limitation period for bringing an action in negligence or other tort. There reference once again to the exclusion of the 1999 Act but this time apparently in the contract between you and Packlink – is irrelevant because the exclusion has to be in the commercial contract between Packlink and EVRi – which they have referred to in their paragraph 2.7 et cetera of their defence. I'm assuming that you propose to go ahead with this case. Please let us know when you respond and we will go forward. In the meantime, I suggest that you write a letter to EVRi. Referred to their paragraph 2.7 et cetera and asked them for a copy of the contract and confirmation of the date on which the exclusion of third party rights term was included in it. Tell EVRi that if they do not answer or if they refuse that this will be brought to the attention of the judge. Tell them also that you notice that they say that they have destroyed data in line with their data protection policy. Inform them that they do not appear to have disclosed this data protection policy to their customers. Please will they forward you a copy of it and once again if they failed to respond or if they refuse that you will bring this to the attention of the judge as well. I suggest that you post a draft of the letter here so we can have a look    
    • Good morning dx100UK Could I send the update to you privately? Regards
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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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Charge against property.


steve811
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In 2000 I changed jobs, and in 2001 I was struggling financially.

 

My bank (LLoyds TSB) offered me a credit card, loan and overdraft.

In short over a period of time I ran up an overdraft of £6000,

defaulted on the loan

and ran the credit card to max.

I buried my head in the sand and they obtained a CCJ for a total of £16k, which was the loan, overdraft and charges.

 

They also obtained a second CCJ for the credit card, but I negotiated and paid this back over 6 years.

They then obtained a charge (restriction ) on the family home which is jointly owned by me and my wife (the debts are all in my name), despite me explaining I was not the sole owner.

 

Since then I have not paid a penny and the debt has been waiting for the house to be sold (it wont be we will die here!) to be satisfied.

 

I have recently complained to the FOS about the tactics of Lloyds/TSB (rolling two debts into one, excessive charges when asked to freeze etc) but they will not look at it as it is over 6 years old.

 

I really want to get the restriction lifted so we can settle the mortgage and be clear, could I claim irresponsible lending?  

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Hi and Welcome to CAG steve.

 

Could you clarify what "  settle the mortgage and be clear, " means and why you think the restriction will interfere with this 

 

Andy

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It depends on how the restriction is worded.

 

If it just says "no disposition ..." Then yes you do have to clear it to re mortgage

 

but if it says "no disposition other than a charge ...." then you don't.

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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Thanks, will check the paperwork. I still feel though that there might be a valid case for IRL, I tried several times to get the bank to freeze charges or stop paying direct debits I knew would incur charges but they ignored me.

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Can you not remortgage or extend with your existing Mortgage Company ? The restriction then becomes irrelevant .

You Can extend an existing mortgage up to several years.

 

Andy

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On 25/06/2019 at 00:00, dx100uk said:

It depends on how the restriction is worded.

 

If it just says "no disposition ..." Then yes you do have to clear it to re mortgage

 

but if it says "no disposition other than a charge ...." then you don't.

Thanks, have just checked the paperwork and it says "No disposition of the registered estate to be registered without a certificate signed by the applicant for registration or his conveyoncer that written notice of the disposition was given to Fredrickson International Limited" etc. Does that mean we have to clear it to remortgage or just inform Fredrickson?

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Res k then

tell them afterwards then

 

not surprised its a freds backdoor ccj all the way then

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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What does Res K mean?

These [Edit] managed to get two debts rolled into one, then managed to get two charges against the property.

If I have any way of getting it removed I will.

 

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I understand this may be distressing for you but please refrain from swearing on the forum as your post has been edited due to this. (be aware of our forum rules)

 

As it is the weekend please be patient

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you don't need to remove them nor pay them ...if that's what each says.

to pay off the mortgage..they are irrelevant

 

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... 

Link to post
Share on other sites

 

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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10 hours ago, stu007 said:

I understand this may be distressing for you but please refrain from swearing on the forum as your post has been edited due to this. (be aware of our forum rules)

 

As it is the weekend please be patient

Apologies, my anger got the better of me!

 

Many thanks, that mirrors what I thought. If we re-mortgage it will be for less than 50% of the existing mortgage as we will have funds to pay some of it off, and we have equity in the property worth 4 times the existing mortgage, I just do not want to pay those blood suckers any money!

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sorry so what does 'mirrors what you thought' mean with regard to the restriction k's??

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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Share on other sites

I was of the opinion that we did not have to inform them prior to any sale or disposal, but nobody so far was able to confirm that!

 

I am confident we can re-mortgage with a good deal if we don't have to satisfy that first.

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you do not have to inform them.

read post 6 by andyorch again

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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OMHO no you don't have to pay the rest k's off to remortgage with another lender.

 

but let andyorch clarify what exactly that wording on your deeds really means as its none to clear in my tiny brain at present

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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Share on other sites

A restriction is an entry on the registered title deeds to a property which prevents a disposition (sale or transfer of an interest in a property or new mortgage)

The only requirement is to give Written Notice of the remortgage to Freds.


Andy

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PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

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