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    • 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.
    • you should email contact OCMC immediately and say you want an in person hearing.   stupid to not
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Me v's Natwest (Cobbetts)


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Hi all,

 

I am new to this site, was using BankChargeHell site but for unknown reasons this site appears to be in continual maintanence mode, does anyone know why???

 

My claim is at the stage where Cobbetts have sent me a letter saying their client will pay my claim in full, but it will take 14 days. 14 days is up and no cheque received. They also wanted me to send Notice of Discontinuance to the Court. This I said I would do when I received cheque. With No cheque obviously the claim at the Court has continued and now I've had the Order from the Court to provide schedule of charges, copies of all statements, statement of evidence that the charges are irrecoverable as penalties and copies of decided cases and other legal material. If I fail to do this the claim will be struck out!

 

I have left a message with Cobbetts requesting info.as to whether they are paying or wishing to defend now. No-one has got back to me.

 

Should I send a letter to the Court explaining the situation?

 

I could do with some advice please?

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Firstly like you say do not send the Notice of Discontinuance until you have full payment cleared in your bank.

 

Have you been given a court date at all??

 

My suggestion would be for you to prepare the court bundle (three copies infact), one for the court, one for Cobbetts and one for yourself.

 

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/33060-basic-court-bundle.html

 

This will cover all the documentation the court requires.

IF MY COMMENTS HAVE HELPED PLEASE CLICK MY SCALES

 

Don't be like the banks - give a little back

 

 

:D NAT WEST - WON - £4282.36:D

 

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Can't really help answer your question but i would like to know, what did you write in your particulars of claim?

 

I think i have done mine wrong.

 

Cobetts are refusing to pay up and i have recently submitted my allocation questionnaire to the court and are waiting for a reply. Cobettes are stating that my particularls of claim do not disclose reasonalbe grounds for bringing a claim against the Claimant to recover the bank charges.

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I'd be quite interested to see what both of you used for your POC, as a matter of interest.

IF MY COMMENTS HAVE HELPED PLEASE CLICK MY SCALES

 

Don't be like the banks - give a little back

 

 

:D NAT WEST - WON - £4282.36:D

 

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Particulars of claim (POC). This will be what you filled out for your court claim.

IF MY COMMENTS HAVE HELPED PLEASE CLICK MY SCALES

 

Don't be like the banks - give a little back

 

 

:D NAT WEST - WON - £4282.36:D

 

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Oh right...sorry that seems such a long time ago...I used a format from the other help site. Asking for a total refund of illegal charges, specifying date from to when these charges were made. Though I did add to the end 'as a gesture of goodwill I will not be claiming interest'. All I want is my money back!

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I think the Court also needs to be aware that they have offered me a full refund...and that I've just not received it yet. Do you think this is another tactic of Cobbetts, hoping that I will not proceed? Have they used this tact before...offering full payment and then not doing it?

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I havn't been aware of Cobbetts doing this before, but I suppose there is always a first for anything. I think it would be a good idea to make the court aware of the actions Cobbetts are using.

IF MY COMMENTS HAVE HELPED PLEASE CLICK MY SCALES

 

Don't be like the banks - give a little back

 

 

:D NAT WEST - WON - £4282.36:D

 

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Hello and Welcome

Congratulations for posting in the correct forum, here you will have other “experts” (I see dellar1 has already helped you - he smart that lad)who know how that particular this bank reacts.

 

I have just finished my claim with this bank, but I decided to stick around to see if I help others like you who are just starting out with their claim to see if I can share anything to make your journey through this claim a bit better!!!

Remember the banks have acted unlawful you haven’t!!!

 

Well done for reading the FAQs and continue to read as many threads as possible as there is a wealth of information on here!!

 

Remember its important to open a parachute account, especially if the charges are spiralling out of control and you have little or no money left, at the end of each month.

 

If your account goes into a negative balance after you have transferred your banking, send them this notice to prevent them taking any further action.

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/5078-10-data-protection-act.html

If you get stuck have a look (by searching) to see if your question has already been asked by reading other people threads, if you are still not sure either post your question in your own thread or PM me to attract my attention and I will be happy to help you by answering on your thread.

 

Also look for another newbie claiming against the same bank as you, that way you can do your claim together and support each other as the post drops through the door!!

 

Sometimes the banks act awfully and you can get very stressed out by it all. But stick to your guns - you are in the right - they are not. Don’t let them put you off, that’s what they want to do!

 

Hope this helps

 

Good Luck

 

Allyxia

KEEP FIGHTING FOR YOUR MONEY - EVEN WHEN IT GETS TOUGH

The Banks are somewhere which lends you an umberella when it is sunny, and takes it away when it rains

 

HSBC £1200 - Settled in Full

Cap 1 2 X £100 - Settled in Full

Nationwide £1641 - Settled in Full inc Default and CCJ Removed by Court Order

NatWest £2215.60- Settled in Full and Removed Default Natice

Woolwich £3690 - Settled in Full

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Hi Allyxia,

 

Thanks for the welcome. I'm just at the stage now where i'm waiting/hoping for the cheque but it seems Cobbetts are (see my first message) being deliberately slow in sending this..thus making me have to do all the work with providing the Court all the details to ensure my claim is not struck out. Having lived in South Wales for 7 years in a small village you never know I might have heard of yours.

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I have had to send letter to Court asking what to do next....Natwest have agreed to pay but not sent cheque yet and time is running out for me to have to send in all gumf to comply with Court Order. Have asked the Court what I should do and sent with letter copy of Cobbetts letter stating they will pay up (just when is the question?). I'm jsut wondering if this is yet another Cobbetts tactic to dissuade or maybe NatWest don't want us all to have a fun Christmas (at their expense)... Advice would be appreciated. Has anyone experienced this before?

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This seems to be one of their new ploy's, what did they put in their offer letter??

IF MY COMMENTS HAVE HELPED PLEASE CLICK MY SCALES

 

Don't be like the banks - give a little back

 

 

:D NAT WEST - WON - £4282.36:D

 

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Their offer letter is for the full amount I am claiming. They asked me to send to the Court Notice of Discontinuance (which they had attached to their letter for me to do). I have replied accepting the offer but not willing to send Notice of Discontinuance until paid.

I have sent letter to Court today explaining situation and asking them what I SHOULD DO!

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You've done exactly the right thing, under no circumstances should you return that Notice of Discontinuance until the cheque is in hand or money is in the bank.

 

I've held on to my Notice of Discontinuance until they refund my AQ fee!!

IF MY COMMENTS HAVE HELPED PLEASE CLICK MY SCALES

 

Don't be like the banks - give a little back

 

 

:D NAT WEST - WON - £4282.36:D

 

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Merry Christmas all.

 

Could someone help me here please. I am compiling my 'bundle' for the Court as requested by the Court Orders one question asked is " A statement of all matters relied upon as tending to show that the charges are irrecoverable as penalties or otherwise" What is this all about? Is this supposed to be something I pull together in a summary from all the legal material I provide? Is there a template for this?

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Its a witness statement that you will need to prepare.

There is no standard witness statement since it has to be personal to the details of your claim.

But basically it should be on these lines............

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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  • 2 weeks later...

Cheque (£2.8k) dated the 11 of December and received on the 28th. Put in on the same day and finally cleared today. Amazing length of time!! Keep on fighting all of you. Am now helping friends with recovering charges.

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Congratulations, a big well done!!

IF MY COMMENTS HAVE HELPED PLEASE CLICK MY SCALES

 

Don't be like the banks - give a little back

 

 

:D NAT WEST - WON - £4282.36:D

 

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