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    • Any chance of some advice with filling in the N164 please?    I've sent an EX107 to the Court to request transcript of the Judgment to use in an appeal but the Courts still haven't actioned this and my 21 days expires on Tuesday
    • 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   
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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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And So It Begins..... - **WON**


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i also hope royal mail are going to compensate you for losing your letter

WHEN THE WORLD GETS IN MY FACE I SAY HAVE A NICE DAY :lol:

 

MY SUCCESSESS

HSBC £5,735.35 :D

MUM IN LAW £2112.00 WIN FROM HALIFAX :grin:

MUM £3580.00 WIN FROM NatWest :grin:

AUNTIE 2 NATWEST WINS £1865.00 AND £2541.00

EQUITA BAILIFFS £293.00 REFUND :grin:

MBNA £871.16 WON WITH CI AT 24.49%

WELCOME FINANCE CHARGES £600 APPROX didnt even need letter lol

CAP ONE WON WITH CI AT 29.9% £994.26

 

CLAIMS ON THE GO AT MO

mbna ppi

NatWest cc at mcol (ppi next)

welcome ppi

first response charges

 

IF I HAVE HELPED IN ANY WAY HIT THE SCALES IN BOTTOM LEFT CORNER THANK YOU ;)

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i also hope royal mail are going to compensate you for losing your letter

 

They will, but the most they would pay out would be a refund of the postage.

Opinions given herein are made informally by myself as a lay-person in good faith based on personal experience. For legal advice you must always consult a registered and insured lawyer.

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Well, the 14 days is well and truly up for HSBC now, so I'm in the process of filling in the MCOL now. I've tried searching through the forums but can't seem to find the answers to the following questions:

 

How do I calculate the daily rate of interest for the MCOL claim form?

 

Do I need to send a breakdown of the costs (a copy of the spreadsheet) to the courts or the bank after I've submitted the claim?

 

I must say I'm starting to get a bit nervous now, I keep reading that no one ever goes as far as court, but with my luck anything's possible...

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To work out the daily rate of interest you take the claim amount, excluding interest and court fees, and multiply by 0.00022.

 

I assume you have already sent two copies of the spreadsheet (1 with the prelim and 1 with the LBA) so there is no need to send another copy.

Opinions given herein are made informally by myself as a lay-person in good faith based on personal experience. For legal advice you must always consult a registered and insured lawyer.

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Many thanks for your help barracad. I've worked out the daily interest, checked, double checked and then checked the MCOL forms again to make sure I've left nothing out and finally submitted the claim. Now I suppose I'll just wait!

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  • 2 weeks later...

The MCOL was submitted on 23/7 and acknowledged by DG solicitors on 27/7. I received a copy of the acknowledgement of service today through the post which states that they intend to defend all of this claim.

 

Am I right in thinking that this is normal procedure for them?

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Rusty - your at the exact same point as me!!!! I rec'd my court Ack of Service today as well - race you!!!

 

Good luck!!

Barney2002 - If you want to see how I got my money back, click http://www.consumeractiongroup.co.uk/forum/hsbc-bank/11376-barney2002-hsbc-round-one.html.

 

HSBC

15/08/06 - £4955 paid in full from HSBC!!!!!!! 'Ave it!!

OTHERS

04/08 - Conf rec'd from Capital One - sending statements

07/08 - Conf rec'd from Tesco Finance - sending statements,29/08 sent prelim for £282

10/08 - Conf rec'd MBNA - sending statements.02/09 prelim for £437

10/08 - Conf rec'd Morgan Stanley - need to send ID - sent 11/08,rec'd letter offering £96(rejecting), 02/09 prelim for £220- Rec'd £240 few days ago.

 

If any advice I give is helpful then please hit the scales - Top Right. Thank you.

 

** For Every bed I sell to a CAG Forum member, I will donate £50 to the CAG **

 

Visit my site for the full range of Hand Forged Beds at

www.classicsiniron.co.uk

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Rusty - your at the exact same point as me!!!! I rec'd my court Ack of Service today as well - race you!!!

 

Good luck!!

 

Good Luck Barney!

 

If a 'Friend' of mine were to recieve a letter offering a settlement for the full amount with a confidentiality clause, would it slow down the process of turning the said letter in to a cheque if my 'Friend' were to cross out the sentence regarding the confidentiality clause? ;-)

 

Either way what should my 'Friend' do now...Does 'He' return the signed letter along with a covering letter asking for payment within a set time, or does 'He' just send the letter back and wait until a cheque lands on 'His' doorstep? ;-)

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hehe just a question your friends name isnt rusty is it lol well done i dont think it does slow it down. from what ive read in other threads ev1 is crossing it out

WHEN THE WORLD GETS IN MY FACE I SAY HAVE A NICE DAY :lol:

 

MY SUCCESSESS

HSBC £5,735.35 :D

MUM IN LAW £2112.00 WIN FROM HALIFAX :grin:

MUM £3580.00 WIN FROM NatWest :grin:

AUNTIE 2 NATWEST WINS £1865.00 AND £2541.00

EQUITA BAILIFFS £293.00 REFUND :grin:

MBNA £871.16 WON WITH CI AT 24.49%

WELCOME FINANCE CHARGES £600 APPROX didnt even need letter lol

CAP ONE WON WITH CI AT 29.9% £994.26

 

CLAIMS ON THE GO AT MO

mbna ppi

NatWest cc at mcol (ppi next)

welcome ppi

first response charges

 

IF I HAVE HELPED IN ANY WAY HIT THE SCALES IN BOTTOM LEFT CORNER THANK YOU ;)

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I couldn't possibly tell you his name.....If I did I'd have to shoot you :o

 

Oh well, I suppose I'll just tell him to cross out the confidentiality section and sign the letter.

 

Does anyone have any suggestions about sending a covering letter giving a timeframe for payment ie. 14 days, or will they just ignore it and post the cheque when they're ready?

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I hope your 'friend' gets the money soon.

 

Best of luck to 'him'.

  • Confused 1

Barney2002 - If you want to see how I got my money back, click http://www.consumeractiongroup.co.uk/forum/hsbc-bank/11376-barney2002-hsbc-round-one.html.

 

HSBC

15/08/06 - £4955 paid in full from HSBC!!!!!!! 'Ave it!!

OTHERS

04/08 - Conf rec'd from Capital One - sending statements

07/08 - Conf rec'd from Tesco Finance - sending statements,29/08 sent prelim for £282

10/08 - Conf rec'd MBNA - sending statements.02/09 prelim for £437

10/08 - Conf rec'd Morgan Stanley - need to send ID - sent 11/08,rec'd letter offering £96(rejecting), 02/09 prelim for £220- Rec'd £240 few days ago.

 

If any advice I give is helpful then please hit the scales - Top Right. Thank you.

 

** For Every bed I sell to a CAG Forum member, I will donate £50 to the CAG **

 

Visit my site for the full range of Hand Forged Beds at

www.classicsiniron.co.uk

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Now the letter's gone back to DG Solicitors with the confidentiality section crossed out I can put you all out of your misery and reveal that my imaginary 'friend' was none other than myself :lol: ............I'm sure the suspense has been killing you all!

 

On a brighter note, I just remembered yesterday that I used to have a Credit Card account with HSBC a couple of years ago and I'm sure there'll be a couple of charges on that so another DPA is on its way to them asking for Credit Card statements. I don't know thw full account number for the card, so I've told them the bit that I do and the current account number that I had at the same time. I'm sure they'll find the details from that.

 

So it's a case of off we go again :o

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Good news, I had my letter from DG Solicitors on Saturday :) crossed out the confidentiality section, also added to their letter that I want a cheque ;)

 

My letter will be sent to them tomorrow :)

REFUNDED

Hubbys - HSBC £4,165 paid 18/8 after MCOL issued :)

HSBC - £651 paid 18/8 after MCOL issued :)

HSBC - £147 Prel 7/8, LBA 21/8, MCOL 6/9 £241

Hubby Halifax - Prel 29/7 £215, LBA 21/8, Offer rec. £110 22/8, MCOL 6/9 £298

Abbey - £2758 - Prel 26/6, LBA 10/7 - MCOL 26/7 £3,391, offer 25/8 £1,755.94, paid £3567.32 after Case manag hearing

Barclays - £675 Prel7/8, LBA 21/8, offer received £300 MCOL 6/9 £998 - Paid £1,012 before going to Court

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just about to send my request for £926 charges - whats the best address and contact to send these to? thankx

_____________________________________________

 

HSBC X 1 ACCOUNT

19/07 - Data Protection Act Req sent

Reply recieved 05/08 - £1022 to be claimed

Letter requesting charges sent 07/08,

LBA will be sent on 22/08 if no reply.

22/08/06 LBA Sent, reply expected 05/09

06/09/09 - MCOL Filed - £1285.91

 

EGG X 2 CARDS

20/07 - Data Protection Act Req sent

Reply recieved requesting ID and sent on 28/07/06.

Acknowledged by EGG and statements will be sent.

Statements due by 29/08

 

Mint X 1 CARD

20/07 - Data Protection Act Req sent

05/08 - Request for £10 recd

08/08 - Letter + cheque sent recorded

Statements due by 29/08

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just about to send my request for £926 charges - whats the best address and contact to send these to? thankx

 

I'd just stick with sending all letters to your local branch manager. I found that I only got replies from HSBC when I sent stuff to the local branch. When I tried to reply to the addresses on their letters, I never heard anything back from them :confused:

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Hmmmmm I seem to have struck upon another problem, I recieved a letter today from DG solicitors thanking me for returning the settlement letter. It then goes on to say that the settlement amount will be credited to my account within the next day or so.....the problem is that I closed the account about a year ago:eek:

 

What should I do now, Should I call DG first thing in the morning and tell them to either send a cheque or credit it to my new current account, or get in touch with HSBC and see if it's been credited and if I can withdraw it:???:

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I gave DG a call on Thursday and explained the problem with the account. They never mentioned anything about me crossing out the confidentiality clause. This morning I checked the post and I'd received a cheque from HSBC for the full amount :D:D

 

I also called Royal Mail about the missing letter...They said they'll compensate me for the loss...I'll get a book of 12 first class stamps:lol:

 

SO that's the HSBC current account out of the way, now for the HSBC credit card, the Capital One credit card and the Smile current account:o

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wtg well done

WHEN THE WORLD GETS IN MY FACE I SAY HAVE A NICE DAY :lol:

 

MY SUCCESSESS

HSBC £5,735.35 :D

MUM IN LAW £2112.00 WIN FROM HALIFAX :grin:

MUM £3580.00 WIN FROM NatWest :grin:

AUNTIE 2 NATWEST WINS £1865.00 AND £2541.00

EQUITA BAILIFFS £293.00 REFUND :grin:

MBNA £871.16 WON WITH CI AT 24.49%

WELCOME FINANCE CHARGES £600 APPROX didnt even need letter lol

CAP ONE WON WITH CI AT 29.9% £994.26

 

CLAIMS ON THE GO AT MO

mbna ppi

NatWest cc at mcol (ppi next)

welcome ppi

first response charges

 

IF I HAVE HELPED IN ANY WAY HIT THE SCALES IN BOTTOM LEFT CORNER THANK YOU ;)

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i filed my claim last weekat canterbury court against hsbc for approx 600, anyone know when i will get a reply, am i right to think they have 14 days to respond when they receive the court claim?

hsbc

Claim served on 13-08-2006

 

full refund .19-08-2006,

23-08-06 cheque arrived £580-deal.:D

 

capital one .

Filed claim against 16-08-2006 for £340.

Capital one 02-09-06 offer £383 refund to account.deal:D

 

Abbey Data Protection Act 4-07-06

 

issued court claim for £189 16-10-06

waitng for allocation nov21-11-06:cool:

 

 

Pleae make a donation to site, when you win-- I DID

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