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    • 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.
    • you should email contact OCMC immediately and say you want an in person hearing.   stupid to not
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    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

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    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
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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.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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BAYMANvsHSBC


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I have finally recieved a reply to my pre-legal letter although it was outside of the 7 day notice period!. The banks reply states that "The bank does not agree with your contention that the charges applied to your account constitute a penalty and are therefore irrecoverable", the letter also goes on to state that the bank operated within its terms and conditions, a copy of which would have been supplied when i opened the account. Am i right in thinking that this is just the banks automatic response?, should i now just apply to the court and apply the intrest?, the claim is for £14k+, should i use a solicitor and if so would anybody be able to reccomend anyone that they have used?, many thanks in advance

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It certainly does look like you've received a fairly standard response. Most banks seem to be insisting that they are quite within their right to charge these "fees" as they were quoted in T&C's when the account was opened. As we all know, you can not contract yourself out of the law so I would keep pushing.

You mentioned a pre-legal letter. By this do you mean a letter / notice before action? If you haven't sent one, send one and if you have already sent one, because they have not replied positively to you I would personally stick to your guns and commence legal proceedings.

With the amount of help available on this site I would hesitate before engaging a solicitor but, at the same time, I can understand your concerns with it being £14k!!! Can I suggest you look into defending the case yourself using the help available on the site. There is a court "buddy" system in place to help people in your position. Always bear in mind that there is a chance that the bank will turn up to court so you have to be ready to defend but you aren't the first person in this situation and I know you won't be the last so do some digging around on the site and see where it takes you. You might be pleasantly surprised...

Good luck and feel free to post any more queries.

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remember that if you were to lose [very very unlikely] the court could award costs to hsbc and for that large an amount they might try and defend , it might be worth splitting the claim into chunks therefore keeping ot below 5000 , in these case no claim for costs can be made for solicitors and barristers, you will receive excellent advice here but you could lose on a technicality so 3 or 4 claims might be the way forward perhaps one claim per year ?

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Neil, whilst you are correct to point out that risk, do you not think it is unlikely that a judge would make an individual pay the charges incurred by a multi-national plc defending an action?

Maybe one of the legal eagles on the site could jump in here....

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Firstly, thanks and advice. I can see the benefits of splitting the claim over a period of time but i have a £22.5k personal guarentee secured on my house, inncurred by securing the o/d and a company loan which is about to be handed to DG solicitors for collection so time is of the essence. What about if i was to split the claim in to the four years that the charges were incurred and then make the four seperate claims at the same time?. Also the loan that i have secured, £18k, was to pay off the overdraft so i am assuming that i may have a claim against hsbc for the loan also??, regards

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The loan was taken out 2 years ago for £20k to pay off our o/draft and another smaller loan that we had, i assume that i can have a go at climing some of the loan back as the o/d was partly made up of charges on the account?

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You would be able to claim the interest paid [at THERE rate] on the amount of the loan which you took out to pay off the charges and interest levied on the original account, between when they were actually charged and the point at which you took out the loan.

You could not claim the capital part of the loan as that would be covered in your main claim.

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Right, the decision has been made, i am going the route of mcol and will be filing it tomorrow, the total with interest to date is...........£15252.54:eek: . Would there be a template of the cover letter to send to hsbc deatailing my intentions to take legal action and to enclose a copy of the new schedule including the intrest??, regards, bayman

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