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    • Include that in your witness statement along with that letter as an exhibit.
    • Yup, well so far they have lied to me about responding to a CCA,  are threatening me with a default notice that they don't have, produced a knocked up version of my NOA, sent me 29 pages of spew for an agreement. No wonder they pay 5 p in the pound for that crap.
    • Paragraph 2. I think there should be further down and also you should make the point that the payment to was made unilaterally and without the imposition of any conditions. Paragraph 3 – this is unnecessary because you are not claiming as an entitled third-party. This worries me because it makes me feel that you haven't fully read around because this is a paragraph which you would include where you were suing EVRi as a beneficial third party because you had actually made your contract with Packlink or some other broker. I think you need to revisit and do some more reading. I'm afraid I have a sense that you have simply copied this from somebody else's witness statement without understanding that it wasn't necessary. Please can you post the amended draft. Other than the suggestions above, it looks okay – but let's see it again for a further appraisal. In terms of the evidence, parties bundle, I think it might be an idea to start off with the correspondence with EVRi and then go onto the other evidence. You will have to amend the index page accordingly. You could shorten this bit. Take 19 is pretty well blank and you may as well miss it out also, there seems to be some repetition of emails and the email chain. I think will be worth going through and getting rid of duplicates if you can. 49 pages is a bit long and it would be a good idea to try and reduce the number. I have a feeling that 50 pages as the County Court limit anyway. The judge will be happier with you if the bundle is smaller. Maybe you could reduce the size of some of the images or messages et cetera. You have got several messages which straddle onto a second page so that things like sign off information and standard confidentiality information become orphans. A bit of manipulation and they could be joined to their parents I think. Page 31 as an example. So is page 19. You may only be up to shorten the whole thing by 56 pages – but I think it would be a good idea. 56 pages is, after all, 10%. If you can do more then so much the better
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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.
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      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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Quick CCA question


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Hello all, sorry if this is a dup post...

 

Anyway I've been wading through the info re CCA request and was intrigued when I noticed how I ignorant I was of such a brilliant little law!

 

What I want to know is, if it can be used to get DCA's off your back, can it be used to get banks off your back?

 

Say for example a current account. I sign an application form but did the bank sign it? I honestly cannot remember. Or would this not matter as they send out card and pin etc...

 

These come with a signed letter.

 

Tell me if I'm talking rubbish...

The views I express here are mere speculation based on my experience. I am not qualified nor insured to give legal advice and any action you take will be at your own risk.

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Tricky area, ive asked around and can't find the answer.

 

So im stuck on this one my self.

 

I think it may depend on what year you signed the current account agreement before or after the Data Protection act.

 

Also any overdraft doesnt need an agreement ,as it can be madeover the phone. However the overdraft sits in the account that may or may not be covered.

 

I wanted some clarification that the overdraft agreement and status of the current account were 2 different issues.

 

surely one is permission to open an account in your name and process your data and 1 is to terms of borrowing.

 

I had no ideal each time i agreed an overdraft faciliity i may have been renewing my current account agreement?? or wasn't i?

 

Strange as mine was authroised for extention of 6 months andi never even requested it!

 

Ive wanted to know if my bank have to provide the agreement for the account which holds my Overdraft and was signed in 1995

 

As they have not given me one under my S.A.R - (Subject Access Request), and i have an overdraft that i know they are going to kick up a fuss about.

 

Theres alot of information in this link

http://www.consumeractiongroup.co.uk/forum/general/33174-consumer-credit-act-agreements.html

 

but still holds no answers for my problems?

 

Good Luck

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The link you posted is the last thread I looked at. I must admit I had been at the com some time and I only got as far as page four!

 

Will look again tomorrow. I wouldn't of thought it was possible to get off this easily.

The views I express here are mere speculation based on my experience. I am not qualified nor insured to give legal advice and any action you take will be at your own risk.

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The thread has grown to long and sadly its hard to stay focused and to take from it what is the bottom line information, as when you come across something that you think solves your question you must not stop reading as it changes again later as more details are uncovered and so it follows on. So you must read the whole thread, Which is extremely time consuming.:eek:

 

Its an excellent thread but will take you ages to read with no gaurantee you will get the piece of advice you are looking for.

 

At the end of the day you may benefit from reading back wards, as it has its own evolution going on:D

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Thanks I'll take than on board. I just can't believe a debt could be wiped out that easily?

The views I express here are mere speculation based on my experience. I am not qualified nor insured to give legal advice and any action you take will be at your own risk.

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