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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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      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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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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HSBC BBLS debt - now moorcroft


DieselMike
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Hi,

My Ltd company took out a BBLS loan back in 2020, butunfortunately a year later was made insolvent due to market challenges - The BBLS loan was used in compliance with the Loan criteria and best business practices.

As the company director I requested my accountant submit a DS01 to companies House to close the Business and informed HSBC to close the business account.

HSBC then raised an objection with companies house which stopped Companies house from closing the company.

HSBC have now passed the outstanding balance of the BBLS onto Moorcrofts Debt Recovery, who are seeking full BBLS repayment of the outstanding balance from myself personally.

I have engaged the Financial Ombudsman, however have little confidence in their abilities to properly support my case.

Question - Can HSBC force the responsibility for repayment of a Ltd company BBLS debt onto the director, when the Company has ceased to trade and no fraudulent activity has taken place?

thanks

Dieselmike

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Welcome to the forum DieselMike

 

I have moved your topic to the HSBC forum. Please continue to post here.

3 hours ago, DieselMike said:

HSBC have now passed the outstanding balance of the BBLS onto Moorcrofts Debt Recovery

 

Not really passed on ( as in assigned or sold) but asked them to hound you I would be more fearful if they had passed it on  to your postman:classic_biggrin:

Ambulance chasers don't go near a court room so ignore unless you actually receive something from HSBC Solicitors.

 

Andy

 

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Hi Homer67,

am not sure that that is completly correct, am aware that should the Financial ombudsman deem that the monies have been used incorectly, then the outstanding balance of the loan can be passed onto the director.

 

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4 hours ago, DieselMike said:

The BBLS loan was used in compliance with the Loan criteria and best business practices.

So, as long as you can show this, then the FOS shouldn't be able to "deem that the monies have been used incorectly".

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did you sign a personal guarantee.?

thread title updated

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 HSBC BBLS debt - now moorcroft

@dx100uk

DX,

Here's the relevant FAQ from Bounce Back Loan website...

"lenders are not permitted to require personal guarantees for the Bounce Back Loan Scheme."

Looks like the OP may be in the clear?

https://www.british-business-bank.co.uk/ourpartners/coronavirus-business-interruption-loan-schemes/bounce-back-loans/faqs-for-small-businesses/#f14

 

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

 

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next time dont involve to FOS until you have too on a debt.

they could rule you owe it, and although they have no legal powers to make you.

it could put you in a rather dodgy position with HSBC.

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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Hi DX100uk,

my research has unfortunately identified that Sole traders are personally responsible for their BBL, so I would suggest trying to make a deal with HSBC around repayment terms.

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But your not a sole trader 

On 19/01/2024 at 08:48, DieselMike said:

My Ltd company took out a BBLS loan back in 2020

 

2 hours ago, DieselMike said:

so I would suggest trying to make a deal with HSBC around repayment terms.

That's your decision if and when HSBC decide to pressure you but given that they have passed it to Moorcroft they are not seriously concerned about the debt until such time they appoint a more serious DCA to come after you.

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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

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

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  • 2 months later...
On 19/01/2024 at 08:48, DieselMike said:

Hi,

My Ltd company took out a BBLS loan back in 2020, butunfortunately a year later was made insolvent due to market challenges - The BBLS loan was used in compliance with the Loan criteria and best business practices.

As the company director I requested my accountant submit a DS01 to companies House to close the Business and informed HSBC to close the business account.

HSBC then raised an objection with companies house which stopped Companies house from closing the company.

HSBC have now passed the outstanding balance of the BBLS onto Moorcrofts Debt Recovery, who are seeking full BBLS repayment of the outstanding balance from myself personally.

I have engaged the Financial Ombudsman, however have little confidence in their abilities to properly support my case.

Question - Can HSBC force the responsibility for repayment of a Ltd company BBLS debt onto the director, when the Company has ceased to trade and no fraudulent activity has taken place?

thanks

Dieselmike

Hey DiesalMike, wondering how the progress going with moorcroft, could you give an update pls ? 

I have a similar issue and contacted by moorcroft for bbl repayments but am unable to repay it due to business didnt run for last 3 years. 

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@fusionrox please create your own thread by clicking the button at the top of the website

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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