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    • Oh I see! thats confusing, for some reason the terms and conditions that Evri posted in that threads witness statement are slightly different than the t&cs on packlinks website. Their one says enter into a contract with the transport agency, but the website one says enter into a contract with paclink. via website: (c) Each User will enter into a contract with Packlink for the delivery of its Goods through the chosen Transport Agency. via evri witness statement in that thread: (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 I read your post at #251, so I should use the second one (and changing the screenshot in the court bundle), since I am saying I have a contract with Evri? Is that correct EDIT: Oh I understand the rest of your conversation. you're saying if I was to do this i would have to fully adjust my ws to use the consumer rights act instead of rights of third parties. In that case should I just edit the terms and stick with the third parties plan?. And potentially if needed just bring up the CRA in the hearing, as you guys did in that thread  
    • First, those are the wrong terms,  read posts 240-250 of the thread ive linked to Second donough v stevenson should be more expanded. You should make refernece to the three fold duty of care test as well. Use below as guidance: The Defendant failed its duty of care to the Claimant. As found in Donoghue v Stevenson negligence is distinct and separate to any breach of contract. Furthermore, as held in the same case there need not be a contract between the Claimant and the Defendant for a duty to be established, which in the case of the Claimant on this occasion is the Defendant’s duty of care to the Claimant’s parcel whilst it is in their possession. By losing the Claimant’s parcel the Defendant has acted negligently and breached this duty of care. As such the Claimant avers that even if it is found that the Defendant not be liable in other ways, by means of breach of contract, should the court find there is no contract between Claimant and Defendant, the Claimant would still have rise to a claim on the grounds of the Defendant’s negligence and breach of duty of care to his parcel whilst it was in the Defendant’s possession, as there need not be a contract to give rise to a claim for breach of duty of care.  The court’s attention is further drawn to Caparo Industries plc v Dickman (1990), 2 AC 605 in which a three fold test was used to determine if a duty of care existed. The test required that: (i) Harm must be a reasonably foreseeable result of the defendant’s conduct; (ii) A relationship of proximity must exist and (iii) It must be fair, just and reasonable to impose liability.  
    • Thank you. here's the changes I made 1) removed indexed statement of truth 2) added donough v Stevenson in paragraph 40, just under the Supply of Goods and Services Act 1982 paragraph about reasonable care and skill. i'm assuming this is a good place for it? 3) reworded paragraph 16 (now paragraph 12), and moved the t&cs paragraphs below it then. unless I understood you wrong it seems to fit well. or did you want me to remove the t&cs paragraphs entirely? attached is the updated draft, and thanks again for the help. WS and court bundle-1 fourth draft redacted.pdf
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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.

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      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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Close Brothers Motor Finance - Defaulted - year left, Me & car not in the country…


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Hi All 

New here.

Currently struggling financially and trying to get things in order.

Recently recently defaulted on my car payment.

I’ve spoken to Close Brothers on the phone, but they are not interested in reinstating the agreement. I have a year or so left to pay on the car. However, I moved out of the country with the car over a year ago but continued to make payments. The car is now registered where I now live abroad - but the lender is unaware and they are still unaware that I have moved abroad with the vehicle and I’m worried to tell them this!

I only have around 18 months left of the car until it’s finished being paid.

However, now that I have defaulted with the lender I’m concerned about the repercussions.

I don’t have any mode of transport apart from this car and I’m concerned that they’ll repossess it. they are currently asking where the vehicle is, I haven’t told them yet but I’m also worried as I’m not sure if the car has a tracker or not?

I have been doing some research and can see that they could potentially take me to court for a return of good order?

Not sure how to deal with this and would really be appreciative of some help.

Thank you so much!!

Edited by sh626480
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not if you are not in the UK with no UK assets like a mortgaged home.:lol:

simply inform them in writing with proof that you and the car are now resident in XXXX .

should they wish the remaining balance, please RSVP confirming the unfreezing of the agreement so you can continue to make payments.

should they fail then ignore them. nothing they can do...

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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  • dx100uk changed the title to Close Brothers Motor Finance - Defaulted - year left, Me & car not in the country…

And as for this...

On 14/01/2024 at 03:02, sh626480 said:

I don’t have any mode of transport apart from this car and I’m concerned that they’ll repossess it. they are currently asking where the vehicle is, I haven’t told them yet but I’m also worried as I’m not sure if the car has a tracker or not?

If they're asking where the car is... they obviously don't know.

Even if there's a tracker fitted, tracking data is sent over cellular and the sim card is unlikely to be enabled for international roaming (cost implications), so it wouldn't work.

We could do with some help from you.

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but the car is not registered to the business so not a problem.?

never run from debt.

go back and read my last post carefully......

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

6 minutes ago, sh626480 said:

Why would I tell them where I’ve moved to / where the car is?

You're out of jurisdiction. They can't pursue you through our court system.

It should make them give up any idea of court and seriously reconsider allowing you to carry on with the payments as per original agreement.

It's either that, or they'll get nowt!

We could do with some help from you.

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

 

 Have we helped you ...?         Please Donate button to the Consumer Action Group The National Consumer Service

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We could do with some help from you.

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

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

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  • 1 month later...

Ok update to this thread

 

have now received n email from stevensdrake who are a solicitor but have not received their letter.

They have asked me to call them…

what should I do?

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You told Close Brothers that both you and the car are out of the country?

We could do with some help from you.

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

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

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Big Mistake.

You were advised to earlier in this thread, why have you not done this?

The letter would have gone to your last registered address (likely your UK one).

Rule 1 is never run away from a legal dispute. You *MUST* inform all your creditors of your new contact address.

You had such a perfect hand and completely fumbled it by not using it. You're out of the UK and as such out of jurisdiction for UK Courts. They're now in the position to get a backdoor CCJ against you and you'll be none the wiser.

Write to close (and cc the solicitors) and inform them of both your and the cars new address NOW.

We could do with some help from you.

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

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

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On 16/01/2024 at 21:50, sh626480 said:

Thank you all.

Will contact them and report back

And did you ? what did you inform them of ?

We could do with some help from you.

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I have my letters being forwarded to me from the UK via a scan and mail company, so I receive my letters, however, I have not seen one from them yet.

Don’t particularly want to tell them where I am. The car also isn’t in great shape. Have had to replace the engine twice due to flaw with the engine itself, well-known issue.

Concerned of a return of goods order/what could come of that?

I know you say I’m out of UK court jurisdiction what exactly could a CCJ do to me?

I don’t have any UK income however, I do have UK bank account but also some in my country that I’m living in?

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so even if they totally succeeded and did everything above lets say......

how are they ever going to enforce it....please tell us so we know why you are thinking what you are.....

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 I get in trouble with the court or anything like that contempt of court??

I still visit the UK frequently so don’t want to cause any issues for myself in that regard?

does your first post still stand? 

 

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debt is not a criminal offence in the uk its a civil one.

yes my 1st post

if you'd done that 2mts ago this would have been all over by now.

where are you reading otherwise.....

 

 

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

just type no need to keep hit quote.

they cant issue any court proceedings once they know by LETTER you are not resident in the UK.

you dont 'contact them' you write then you have a legal papertrail.

tick tick tick...

 

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

Thank you, is there a template for this kind of letter? 

how will I post it if I’m not in the Uk?

 

or can I get a friend / family member to do it?

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On 14/01/2024 at 17:37, dx100uk said:

not if you are not in the UK with no UK assets like a mortgaged home.:lol:

simply inform them in writing with proof that you and the car are now resident in XXXX .

should they wish the remaining balance, please RSVP confirming the unfreezing of the agreement so you can continue to make payments.

should they fail then ignore them. nothing they can do...

dx

 

you post it from where you are now.

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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Share on other sites

International mail exists where you are now, no?

I don't think close would believe you personally if you tried to tell them you live outside the UK and the car is no longer in the country, and then send it using a regular old UK stamp.

We could do with some help from you.

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

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

If you want advice on your Topic please PM me a link to your thread

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