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    • Thanks jk2054 - email now sent to OCMC requesting an in person hearing.
    • You can easily argue your case with no sign on the nearest parking sign
    • Same issue got a fine yesterday for parking in suspended bay which was ending at 6:30 yesterday, next thing I see a fine 15 minutes before it. The sign was obstructed 
    • 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.
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Welcome Finance - Statute Barred? PPi claim rejected but now chased by EOS. Please help...


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Hi again, 

I was going through some old paperwork at the weekend and found the WFS documents, with the PPI deadline looming i thought i would look back at where we up to with it all and then remembered this thread.

 

I did call the FSCS back in January '17 but they advised me to communicate in writing

- i explained no one had responded etc and I wrote yet again but had no reply!!! 

 

So - as we are where we are - is it worth writing to them again do you think?

Or is there someone else we can complain to?

An Ombudsman etc for instance? 

Thank you

 

Maudy :-)

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ring the fscs and ask what is going on.

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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  • 6 months later...

Hi all

Apologies for the delay in posting since last time but I have recently had an ‘unwelcome’ communication regarding ‘Welcome finance!’ after quite some time!

 

It’s a long time since we made payment on this account – well over 9-10 years I am almost certain. (checking my PPi spreadsheet for date info the last payment was made in 2007).

 

As you will see I made a PPI claim to the FSCS which was rejected on the grounds that we owed Welcome more than PPI claim, however the debt had been sold on and after seeking the groups advise I wrote to them and said that a PPI reclaim could not be paid to a 3rd party debt buyer or DCA etc but it got me nowhere – I literally had no response at all!!

 

I was surprised to find two letters (one each for myself and my partner as it was a joint account we held with WFS) when we returned from a short break visiting family,

 

the first letter was rather cryptic and asked that we contact a company called EOS Solutions UK, it reads as if they have traced us by a credit search

– this in itself is a little odd as WFS have been kept up to date with address changes, we haven’t changed address for some time now.

 

The second set of letters (also one each for myself and partner) refer to a previous Notice of Assignment letter (which we have not received!) and this letter states that EOS now have ownership of the debt since 11/07/19.

 

Goes on to say that Welcome have made attempts to clear the balance etc

– which they haven’t as we haven’t heard from them for years!

The PPI claim was done via the FSCS as Welcome were no longer dealing with the claims!

 

My question now is

– we obviously haven’t made any payment on the account for a very long time.

Is it now considered Statute Barred?

If so, why would they contact us like this now?

 

Can anyone help or advise on what we need to do?

I really didn’t expect to hear from these cowboys again :-(  

- I have had the entire house upside down looking for my paperwork this evening and I finally my other half located the entire lot of it this morning! I would really appreciate your help.

 

Thank you
Maudy

 

 

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EOS don't buy debts.

who are their stated client.

 

dx

 

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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Hi dx100uk

The opening line of the latest letter reads:

 

‘As we advised you in the recent Notice of Assignment letter, we now have ownership of your debt that was originally owed to Welcome Finance.’

 

We have never received any such letter, and it then goes on to show the various payment options…

 

Thank you for taking the time to reply. I really appreciate it.

Maudy  x

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actually I was thinking of another lot as EOS don't often pop up with regard to welcome.

if you last made a payment to 'whomever' regarding this debt more than 6yrs ago

then if you've moved in recent times 

it might be prudent to send them our SB letter.

 

dx

 

 

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 for the reply - that was my first thought (I was successful regarding a Barclays Bank account using one of your templates a while back) 

 

I hadn’t actually heard of EOS before 😐... but aside from not really understanding why they’ve chosen now to send this... my worry was while we definitely have not made any payment on the account for well over 10 years, can they dismiss the statute barring as we have in effect contacted the FSCS to make the PPI claim? If that would count? 

 

Sorry for all the Q’s...

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No its only payments by you effectively

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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  • 3 weeks later...

Hi dx. 

So i sent out the SB letter as advised (1 for each of us as they had sent us a letter each) and i have proof of delivery for 26/09. Yesterday I got home to find a letter entitled 'Debt Recovery Process' asking us to contact them... blah blah etc.. 

What do we do now? 

 

Thank you 

 

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nothing.

 

dx

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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would have been defaulted years ago so well off the credit file retention calendar.

 

dx

 

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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a debt buyer cannot ever issue a default notice

only the original creditor can

and they did that more than 6yrs ago so..

 

The Information Commisioners Office says:
.
All references to a defaulted debt must be removed from your credit files after 6 years 
has passed from date of default, whether paid off, paying now or not. 
.
{the WHOLE ACCOUNT WILL VANISH, never to return}.
.
{however, this does not mean the debt itself is not still owed
consider a CCA request.}
.
This is so that someone who continues paying something 
- even after 6 years from default 
- should not be at a disadvantage to someone who pays nothing after default 
and ends up with a clean file after 6 years. 
.
NOTE: {the bracketed text is not Information Commisioners Office guideline but my advise]
 

 

 

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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