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    • god they've got at you haven't they. told you all the usual utter BS. a CCJ vanishes from your credit file on it's 6th B'Day regardless to being paid off or not or paying or not. same with any debt with a registered defaulted date - it vanishes from your file on the DN's 6th B'day regardless. creditfix are Knightsbridge, (they renamed) there are 100's of threads here on Knightsbridge, if i remember rightly 2 of the directors of a certain very big IVA provider were struck off for embezzling £1m's out of debtors. pers i'd stop paying now.  end of . just ignore them all. 99% of your debts are to utterly powerless DCA's and probably were never owed in the first place only goes to firm up my belief from post one..you got had blind. its very easy to deal with the debts even those with CCJ's. can you copy and paste what you credit file says regarding the IVA please?   
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    • Sorry I meant credit fix - I really wish I'd known this before - kicking myself right now  If they come back to me asking for more money I'll cancel it and start trying to deal with the debt myself let's see what they say  Feeling tempted to cancel it now but scared that some of the debts will do more CCJ's on me and I'll have to wait 6 years again.  2 of the CCJ come of this year and then I'll only have the iva in credit file - effectively if I'd have not took out the iva in 2021 I'd have clear score by now - but then again would I because I would have been hounded the last 3 years, as bad as it is it's saves me lots of headaches whilst my debt was still within the 6 year mark.  I think most of them are near there but in all honesty no point chasing them if I do cancel iva I'd jjst wait for the ones who contact me and then start the relevant letter process on them.  Of over 6 years easy if not still possible to write off. My true victory would be having the iva wiped off my credit file as mis sold or something that way I Don't have to wait till 2027 Other option is to fight back and ask for them to offer the creditors to accept payments so far and use the following method    Will your IVA firm agree to complete your IVA on the basic of funds paid to date? The Guidance lists a lot of factors to be considered in deciding whether a settlement on the basis of funds paid to date should be proposed. You should read the list. But that may not give you any feel for whether they apply to you or not. The following are my thoughts on when an IVA should be treated as settled, not failed. They assume that you have £75 or less to pay a month: if you would currently qualify for a Debt Relief Order, then your IVA should be settled now  There is no point in making your IVA fail and you have to apply for a DRO – it will not generate another penny for your creditors. If you are renting and owe less than £50,000, check the DRO criteria now and talk to National Debtline on 0808 808 4000 about whether you qualify. You may have been told at the start of your IVA that you aren’t eligible – still check now as the DRO criteria have changed, your situation has got worse, and some people were given incorrect information about DROs at the start. if you have no assets that would be realised in bankruptcy (eg a house with equity, car worth over £2000), then your IVA should be settled now Same as (1), there is no point in making you apply for bankruptcy after your IVA fails. if your only asset is a car that is worth less than £8000, then your IVA should be settled now A car that is worth say £5000 would normally be sold in bankruptcy and you would be given a small amount to buy a cheaper car. But your creditors would not get any benefit from this as the Insolvency Service takes the first £8000 raised to cover its own costs. if you have significant assets, the closer you are to the end of the IVA, the less reasonable it is to fail it If you have been paying your IVA for 4 years, you have done your best over a long period. It isn’t your fault you can no longer continue. The fact you may have had equity to release isn’t relevant as that simply isn’t going to be possible. if your situation will clearly improve soon, then it’s unlikely your IVA will be settled I mean real improvements, not hoping that prices fall. If I can get them to accept payment to date or threaten with cancellation hopefully they may accept it -  Other option is to try and borrow money and pay make a full and final offer  Or I can just ignore and hope for the best which I'm very tempted to do especially if they respond to my review with bullying tactics despite me being skint as a fart with no mortgage as renting  It's so stressful but I've just checked the iva agreement from 2021 and it's Cabot 2 accounts Lowell about 5 accounts and then lots of repeats of the same debt with for example zopa and Cabot same amount listed twice -  also loyyds banks but I'm sure that's older than 6 years and not on credit file anyway  If I can somehow remove the iva from my credit file I'd be happy 
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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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EVRi lost my package - court claim issued ***Settled in Full***


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I was going to send this back

 

Good afternoon Ilyas,

 
As stated previously in my letter of claim dated the 25th of May, under the Contracts (Rights of Third Parties) Act of 1999, I have the right to claim this compensation directly with yourselves. You have again denied me this right.
 
Tomorrow the 8th of June will mark the 14th day for you to try and resolve this.
 
If Hermes have not issued me a total refund of £161 by close of play tomorrow I will be going ahead on the 9th of June and opening a case with the small claims court to recover the funds that way.
 
Regards
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Okay I've had a look at it – and that's fine.

Sorry about the delay but I was using a device and I couldn't read it properly and I wanted to doublecheck.

 

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Well they're certainly sticking to their guns. I'll make the claim through money claim tomorrow.

 

Dear ,
 
Thank you for getting in touch with us regarding parcel xxxxxxxxxxxxxxx,
 
I am sorry that you are not happy with the response unfortunately, as this was sent through Packlink and not Hermes directly you would need to contact them for a claim.
 
I do apologise for the inconvenience caused.
 
Kind Regards
 
Sarah Gregson
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Dear Sarah

You know and I know that under the Contracts (Rights of Third Parties) Act 1999 that I have full third party rights to sue you instead of Packlink.  
If you don't know this then you better have a word with somebody about your staff development because you should know.
If you do know then shame on you for trying to pull the wool over the eyes of your customers.
I'll be issuing proceedings tomorrow

Good luck

 

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This is the last response from them. I'm just about to write up the short statement required on money service, can you read it over before I send it BankFodder?

 

Good Afternoon
 
Thank you for getting in touch regarding the recent parcel delivery reference xxxxxxxxxxxxxxxxx.
 
My name is Tasawar and I respond to complaints on behalf of the Executive Office. I have been asked to follow up your complaint in the absence of my colleague.
 
Firstly, I would like to start by offering my apologies on behalf of Hermes upon hearing that your recipient has not received the parcel.
 
Can I please advise as per your contractual agreement you will need to raise this matter further with Packlink as your contractual agreement is with them and not Hermes. Hermes is in a contractual agreement with Packlink who contracted us to complete this delivery.
 
As you have advised that you will be taking further legal action all future correspondence will need to be made in writing from your legal team to the below address.
 
Legal department
Hermes Parcelnet Ltd
Capitol House
1 Capitol Close
Morley
LS27 0WH
 
I would like to advise I will now be closing down this complaint and allow for you to proceed further via the legal team.
 
Again I sincerely apologise for any inconvenience caused.
 
Kind regards,
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Yes, issue the claim – but everything should have been prepared by now especially the particulars of claim.

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Do I need to put any further details than this BankFodder?

 

Hermes incident ref: xxxxxxxxxxxxxx

Parcel ref: xxxxxxxxxxxxxxxx

 

On the 25/04/2021 I sold an Xbox One S to the value of £161 on eBay and used Packlink to send the item via Hermes.

 

The package was picked up from the collection point and scanned by Hermes, after this point I no longer received any updates.

 

01/05/2021 I contacted Packlink and they advised I should submit a lost item claim, I submitted this with Packlink on the 04/05/21.

 

06/05/21 Packlink contacted me to advise the item had been deemed as lost and that I would only receive standard compensation (£20) as I had not paid for the additional compensation.

 

12/05/21 I then contacted Hermes directly to request full compensation of the loss of the package as they had not fulfilled their contractual obligation of delivering the package.

 

13/05/21 they contacted me to say after an extensive search of the depot the package could not be found.

 

15/05/21 Hermes called me and advised they hadn’t actually searched the depot and would do so.

 

19/05/21 I was contacted again advising after an extensive search they could not find the item.

 

25/05/21 I issued a letter of claim to Hermes for a total refund of the £161 for the loss of the item.

 

26/05/21 Hermes contacted me to advise they would do another search of the warehouse.

 

07/06/21 Hermes declared that they had received no response from the hub team and that the package was deemed lost.

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The claimant used the defendant's delivery service to send an item value £161 to a UK address. Defendant' s reference number XXX. The defendant lost the item. The claimant is suing on the basis of the Contracts (Rights of Third Party) Act 1999 as a beneficial third party. The court is invited to exercise its powers under the Consumer Rights Act 2015 to examine the fairness or otherwise of the defendant's terms and conditions with particular reference to their requirement that it is the customer who must purchase insurance to protect themselves against the defendant's own negligence or criminality of their employees.   The claimant seeks reimbursement of £161+ £XXX delivery costs plus interest.

 

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  • 3 weeks later...

Hey Bankfodder, just an update. Hermes acknowledged my claim and said they would defend the claim on the 16th of this month, still heard nothing from them, I think they have 28 days to file a defence so I’m sure they’ll wait til as late as they can.

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  • 4 weeks later...

Hey Bankfodder, I've got my notice of proposed allocation to the small claims track as Hermes has defended the claim, I'm fine with everything else on the N180 form (ticked yes for mediation) the only problem I have is the fact that it's asking for a local county court, but I'm in Scotland and we don't have county courts. Do you have any advice?

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I'm putting up a call to my site team colleague @Andyorch

 

Please will you put up the defence in PDF format. It's probably the same as the rest of them but you never know.

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Okay thanks. The usual rubbish trying to pass the buck onto pack link even though they are fully aware of the Contracts (Rights of Third Parties) Act 1999.

Hermes usual abuse and unfair treatment of their customers and as usual simply exploiting our excellent County Court service which comes them free of charge in order to frustrate your legitimate claim.

Stick by your guns.

When it goes to mediation, stand your ground. Read up the mediation stories on this sub- forum and let us know when you get the mediation date

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Yeah I did feel like they're just trying to spin it out as much as possible to see if I'll drop it but there's no chance of that. As much as I'd like to get my money back it's more about the principal of it and the fact they think they can get away with it.

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the only problem I have is the fact that it's asking for a local county court, but I'm in Scotland and we don't have county courts.

 

On the DQ N180...leave it blank  MCOL will allocate it to the defendants court ...I assume you have no desire to attend and offer your evidence pursuant to CPR 27.9

 

Its important you submit your evidence with a cover note once you get the courts directions and refer to CPR 27.9 that you will not be in attendance but will rely on papers alone.

 

https://www.justice.gov.uk/courts/procedure-rules/civil/rules/part27#27.9

 

 

Andy

 

 

.

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  • 10 months later...

Hi all,

 

I know it's been a while but that's because I've pretty much been waiting patiently for the case to go to mediation as money claim told me that's what was going to happen.

I called money claim last month and found out it should have definitely went to mediation by now and they said they'd sort it, however instead they've transferred it to the court, so I've had a letter asking me to set out the basis of bringing a claim in the UK courts and I have 14 days to reply.

I really didn't expect it to go to court, I expected a resolution through mediation so I don't even know where to begin with this now.

 

Thanks

Edited by toyschoketoys
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Please would you post a letter here .

 

Also, it will be very helpful if you wouldn't make your posts in a solid block of text .

 

 

 

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The claimants claim is based on the defendants breach of contract .

The defendant is a courier company which agreed to carry a parcel belonging to the claimant to a UK address .

The parcel contained a XXX and the value was declared at £xxx.

The defendants tracking number was XXX and the parcel will send on xxx date

The defendant has filed a defence to the claim and their only defence is that there was no contract between me and them .

This is correct. I used a parcel broker called packlink .

However, I am suing the defendant as an entitled third party under the contract open ( rights of third parties) act.

This act of parliament gives me as a named beneficiary or within a discernible class of beneficiaries, the rights to bring a action for breach of contract as if I was a direct contracting partner .

Therefore, I respectfully suggest that I have a statutory right to bring my action for breach of contract against the defendant .

The defendant has not defended on any other issues .

I would respectfully submit that if the court agrees that I am entitled as a third party to bring this action as if I was a direct contracting party, then judgement must be given to me as the defendant has not raised any other issues in their defence .

Statement of truth.

Signed.

Date

 

 

 

 

 

 

 

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