Jump to content


  • Tweets

  • Posts

    • The lawsuits allege the companies preyed upon "vulnerable" young men like the 18-year-old Uvalde gunman.View the full article
    • Hi, despite saying you would post it up we have not seen the WS or EVRis WS. Please can you post them up.
    • Hi, Sorry its taken me so long to get round to this, i've been pretty busy today. Anyway, just a couple of things based on your 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. I'd say theres a 1% chance they read it , but in any case it won't change what they write. They refer to the claim amount that you claimed in your claim form originally, which will likely be in the same as the defence. They use a simple standard copy and paste format for WX and I've never seen it include any amount other than on the claim form but this is immaterial because it makes no difference to whether evri be liable and if so to what value which is the matter in dispute. However, I have a thinking that EVRi staff are under lots of pressure, they seem to be working up to and beyond 7pm even on fridays, and this is quite unusual so they likely save time by just copying and pasting certain lines of their defence to form their WX.   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. This is just one of their copy paste lines that they always use.   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. They probably haven't read your WS but did you account for this in your claim form?   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.   This is correct but you have gone into this claim as trying to claim as a third party. I would say that you need to pick which fight you wan't to make. Either you pick the fight that you contracted directly with EVRi therefore you can apply the CRA OR you pick the fight that you are claiming as a third party contract to a contract between packlink and EVRi. Personally, I would go with the argument that you contracted directly with evri because the terms and conditions are pretty clear that the contract is formed with EVRi and so if the judge accepts this you are just applying your CR under CRA 2015, of which there has only been 2 judges I have seen who have failed to accept the argument of the CRA.   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.    This is fine, but again I would say that you should focus on claiming under the contract you have with EVRi as you entered into a direct contract with them according to packlink, as this gives less opportunites for the judge to get things wrong, also I think this is a much better legal position because you can apply your CR to it, if you dealt with a third party claim you would likely need to rely on business contract rights.   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. I wouldn't focus this as your argument. I did think about this earlier and I think the sole focus of your claim should be that you contracted with evri and any term within their T&Cs that limits their liability is a breach of CRA. If you try to argue that the payment to packlink is the sole reason for the contract coming in between EVRI and packlink then you are essentially going against yourself since on one hand you are (And should be) arguing that you contracted directly with EVRi, but on the other hand by arguing about funding the contract between packlink and evri you are then saying that the contract is between packlink and evri not you and evri.  I think you should focus your argument that the contract is between you and evri as the packlink T&C's say.   Clearly Evri have not read by WS as the above is all clearly explained in there.   I doubt they have too, but I think their witness statement more than anything is an attempt to sort of confuse things. They reference various parts of the T&Cs within their WS and I've left some more general points on their WS below although I do think  point 3b as you have mentioned is very important because it says "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." which I would argue means that you contract directly with the agency. For points 9 and 10 focus on term 3c of the contract  points 15-18 are the same as points 18-21 of the defence if you look at it (as i said above its just a copy paste exercise) point 21 term 3c again point 23 is interesting - it says they are responsible for organising it but doesnt say anything about a contract  More generally for 24-29 it seems they are essentially saying you agreed to packlinks terms which means you can't have a contract with EVRI. This isnt true, you have simply agreed to the terms that expressly say your contract is formed with the ttransport agency (EVRi). They also reference that packlinks obligations are £25 but again this doesn't limit evris obligations, there is nothing that says that the transport agency isnt liable for more, it just says that packlinks limitation is set. for what its worth point 31 has no applicability because the contract hasn't been produced.   but overall I think its most important to focus on terms 3b and 3c of the contract and apply your rights as a consumer and not as a third party and use the third party as a backup   
    • Ms Vennells gave testimony over three days, watched by those affected by the Post Office scandal.View the full article
    • Punters are likely not getting the full amount of alcohol they are paying for, a new study suggests.View the full article
  • Recommended Topics

  • Our picks

    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • 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.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 161 replies
    • 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
        • Like
  • Recommended Topics

Mule V HSBC **WON**


Mule
style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 6177 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

Hi,

 

I'm hoping someone can give me some guidance :)

 

Here's what I've done so far.

 

First I went through the past 6 years of my current account statements online and noted dates and amounts - I was confused by one of the charges though, it is titled 'unpaid cheque' and is a debit for £115. This seems rather alot to me, so is that a charge from HSBC or is that where a cheque someone has paid me has bounced? Also, I have multiple 'Total charges' of £27.50 each, which I know to be excess overdraft fees, I have one single 'Total charge' of £10 though which I can't identify - can I still reclaim this?

 

When listing the charges should they be written as they are on the statement, i.e. 'Total Charges' or should I write what the charges were for, i.e. 'Excess overdraft'. - If the latter then what should I put for the £10 charge I can't identify?

 

I have now done the prelim letter and included a paragraph on manual intervention, I am now waiting to send this off with the schedule of claim for charges once I know I have everything right.

 

Also - Should this be sent recorded or is standard post ok?

Link to post
Share on other sites

  • Replies 67
  • Created
  • Last Reply

Top Posters In This Topic

Top Posters In This Topic

i would send it off anyway (did you look at the link bank charges and what you can claim?) if there is anything that can't be claimed, it will be knocked off at the final settlement offer. take a look at the link and just make sure you are happy with what you are claiming for ok? there's no rush

 

Charges description on statements - Please Read

If i've been helpful in any way....then tip my scales over there!

Link to post
Share on other sites

Post it by recorded delivery then they cannot deny that they have recieved it also they are recieving that many claims if they have recieved it and lost it at their end you have the proof,and good lucky not that you will need it just be patient

Link to post
Share on other sites

st's right... send recorded delivery then it can't be 'lost in the post'. you can then check the royal mail site to see when it's been delivered

If i've been helpful in any way....then tip my scales over there!

Link to post
Share on other sites

  • 2 weeks later...

Letter received today

 

Thank you for your letter dated 28 February 2007 concerning bank charges

 

I am looking into the matters you have raised and will contact you with a full response as soon as I have completed my investigations.

 

In the meantime, I enclose a copy of our leaflet which explains how these matters are dealt with. If you do need to contact us, please quote reference number xxxxxxxxxx

Link to post
Share on other sites

Just getting my letter before action ready to send for tomorrow. The first line of the template reads 'I am very disappointed that you have failed to respond to my letter of the xxxx' However as I mentioned in the above post they have responded so what should I write instead? My mind is completely blank.

 

Edit - Never mind, I changed it to 'I am very disappointed that you have failed to respond satisfactorily to my letter of the xxxx'

Link to post
Share on other sites

You could start with "I note reciept of your letter of the xxxx stating that you are investigating my claims. However, as mentioned in my previous letter I have a very clear timescale by which I would like this matter resolved and I am dissapointed that a large corporation such as HSBC is unable to mobilise its resources to meet what I consider to be a very reasonable timeframe."

 

Then continue with the LBA

Guide to claiming back your bank charges

 

Most of your questions can be answered by following this link.

Link to post
Share on other sites

Their post room must be snowed under lol.

If they follow current trends you should get another letter around about the time you submit your claim apologising for not having finished their investigations and giving you a date, its normally about a month to 6 weeks from the date of the letter.

I think this is just a weak stalling tactic and if you answer it at all I would just use a version of GMMM's wording again.

Mine came 2 days after I had filed my claim with the court and I wrote back saying "too late mate".

pete

Link to post
Share on other sites

  • 3 weeks later...

I've been putting it off but I've just got around to filling out the claim form and the Value box is confusing me.

 

I want to claim £400 in charges and then the 8% interest on top of that is £177.23. I don't want to claim for overdraft interest since it's a minimal amount and I can't work out what the court fee is I should be claiming. (I do know that I'm not entitled to exemption though)

 

Can someone help me with what I should put in the box? The S.69 County Courts Act 1984 seems to be mentioned twice in the template? is this the 8% interest?

 

Also, what do you put in the 'In the' box at the top of the first page and how do you get the text to fit in the box on the second page, there's not enough room!

 

I think the layout may have changed from when the guide on how to fill it out was written. There is for instance no place to put your local courts name.

 

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/681-4-particulars-claim-n1.html

Link to post
Share on other sites

OK, I think I worked out most of it myself,

 

Charges £400.00

Interest under s.69 County Courts Act 1984 £177.23

Court Fee £80

 

TOTAL £ 657.23

 

Then I add the other bit of text about the s.69 county courts act and charge an additional 9p a day interest until the case is settled.

 

Is it really worth me bothering to add that bit for an extra 9p a day?

 

 

All I'm troubled with now is what to write in the In the box at the top of page 1 and how to fit in all the text from the template in the PARTICULARS OF CLAIM box.

Link to post
Share on other sites

Ah, nevermind, I've just realised that the bit about 'I believe this to be true' etc. Is now part of the form so I can remove it from my particulars of claim and just fill that bit in at the bottom. Can't I?

 

I still need to know what goes in the 'In the' box at the top

 

Also, is £80 the correct fee for the amount I'm claiming?

Link to post
Share on other sites

Notice of Issue received today.

 

It says that the claim was issued on 11/4 and sent to the defendant first class on 11/4. It will be deemed to have been served on 13/4 and the defendant has until 27/4 to reply.

Link to post
Share on other sites

  • 2 weeks later...

I got a letter from HSBC today offering me £257.50.

 

It also says that my claim goes back more than six years (I double checked and the charges I claimed go back to 09/03/01, I posted my first letter to them 28/02/07 although of couse by now those charges are more than 6 years old) and that they won't be refunding those charges.

 

It also says that the charges I have supplied include an amount of £115 which is an unpaid cheque fee that they will also not refund (I still don't know what this charge really is and I questioned it in the first place before I started doing this so should I really be claiming it?!)

 

So from the looks of it they are offering the £400 I originally requested minus the £115 and one £27.50 overdrawn charge.

 

They have until 17/05 to file a defence and they have asked that I accept their offer within 10 working days or they will take it that I have declined their offer (10 working days from now is 16/05)

 

I'm a bit concerned about this £115 charge, as I don't know what it's for and they do could they not use that in their defence to dismiss the whole claim?

Link to post
Share on other sites

Hiya £115 is a big charge, I think the least they should do is prove how its made up, together with the opther charges of course.

 

If its for an unpaid cheque its still a charge and not a fee and they should be paying it.

 

pete

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...