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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.
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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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Claiming beyond 6 yrs - important new information!!!


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hi,

i have claimed my charges back on a few accounts and got all charges back from the last 6 years, can i claim back more than 6 years from the same account i have already had charges refunded from, as i can remember some of the banks said that i had to agree not to claim again on the same account?

 

thanx

cred1 :)

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Hi

I was sent the 'diary notes' of my NATWEST account dating back to 1990,however no statements.

 

I would have thought that if transcripts of my phonecalls and copies of letters are archived,then it would be reasonable to expect statements to be available ?

You need to read this if you have ever consolidated lending through your bank,

http://www.consumeractiongroup.co.uk/forum/general/49648-loans-pay-off-overdrafts.html

NatWest

S.A.R - (Subject Access Request) LETTER SENT15/12/06 - STATEMENTS RCD 22/12/06

PRE-LIM AND SOC SENT 11/01/07

FULL CLAIM OF £4093.04 INCLUDING CONTRACTUAL INT :)

JUST WAITING FOR STANDARD BOG OFF LETTER...:rolleyes:

LETTER FROM STUART HIGLEY TODAY 20TH JAN THANKING ME FOR MY LETTER AND ADVISING ME THAT THEY ARE CONSIDERING MY CLAIM.... YEAH, BET THEY ARE !!!:lol:

LBA SENT 29/01/07

 

**** G.W.G PAYMENT OFFER RECEIVED TODAY FOR £2160. THAT WILL DO NICELY AS PART PAYMENT MR HIGLEY !!!:D ****

 

 

 

 

 

Member of the official Bill-K appreciation thread cos he's just ape !! :D

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Cave vs Robinson April 2002

 

Lord Millet said

 

25. In my opinion, section 32 deprives a defendant of a limitation defence in two situations: (i) where he takes active steps to conceal his own breach of duty after he has become aware of it; and (ii) where he is guilty of deliberate wrongdoing and conceals or fails to disclose it in circumstances where it is unlikely to be discovered for some time. But it does not deprive a defendant of a limitation defence where he is charged with negligence if, being unaware of his error or that he has failed to take proper care, there has been nothing for him to disclose.

 

 

FWIW I have already claimed back from 1997 against abbey and ther specifically stated they would not defend the charges pre six years old.

 

Cant say it will always be the same though.

 

Glenn

  • Haha 1

Kick the shAbbey Habit

 

Where were you? Next time please

 

 

Abbey 1st claim -Charges repaid, default removed, interest paid (8% apr) costs paid, Abbey peed off; priceless

Abbey 2nd claim, two Accs - claim issued 30-03-07

Barclaycard - Settled cheque received

Egg 2 accounts ID sent 29/07

Co-op Claim issued 30-03-07

GE Capital (Store Cards) ICO says theyve been naughty

MBNA - Settled in Full

GE Capital (1st National) Settled

Lombard Bank - SAR sent 16.02.07

MBNA are not your friends, they will settle but you need to make sure its on your terms -read here

Glenn Vs MBNA

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Hi

I was sent the 'diary notes' of my NATWEST account dating back to 1990,however no statements.

 

I would have thought that if transcripts of my phonecalls and copies of letters are archived,then it would be reasonable to expect statements to be available ?

 

see here thereshope (and there is hope:D ) http://www.consumeractiongroup.co.uk/forum/general/80683-please-post-how-far.html#post715506

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Hi, I have not as yet attempted to recover my charges, but have recenlty been served by a county court over the recovery of my debt to my old bank Nat West, would I able to request in the county court that the bank should be asked to produce my statements as far back as possible and should I seek legal help and advice on this matter. If I can go back further than the six years or make a request whilst in court would this be accepted??

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When I started college in 1985 I opened an account with Barclays (this bank was viewed as politically unsound by the Student Union at the time, because of Barclays support for their apartheid government of South Africa)

 

Anyway- they were giving Barclaycards to anyone who asked, so I grabbed one.

 

Ran up massive debt and got lots of charges and eventually paid off the lot in 1987 and never used it again.

 

Reapplied in 1999 and the letter they sent with the new card said "Welcome back Noomill060!" - with a credit limit far higher than you would expect if you were a new customer.

 

They clearly remembered me, so its fairly clear that they do hold records for far longer than the magic 6 years.

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keez- send Nat West the current Subject Access Request template, suitably modified for your own circumstances, this will put the debt in dispute and should prevent any further action being taken.

 

You must also write to the court telling them that the debt is in dispute as you believe it contains unlawful penalty charges and that you intend to claim back all unlawfully applied charges and interest levied upon them.

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And keez- Just so we can start to help you, it would be best of you started a thread of your own (keez v Nat West) so that we know whats happening in your case and where to find you.

 

You are among friends here. :)

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Would this have any relevence, House of Lords case:

 

Swiss Re Public Web Site

 

Also remember reading another Lords case whereby it was outlined that the limitations act should only run from the time the claimant becomes aware of the offence carried out.

Advice offered by ENRON is without prejudice and is for your judgement as to whether to take it. You should seek the assistance or hire of a solicitor or other paid professional if in doubt.

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Ok this still hasn't been answered yet, does this apply in Scotland?, we are getting screwed on 3 fronts here,

 

1: the 5 year limitation

2: the £750 small claims limit

3: the banks, of course

BOS Prelim : 19/06/06 Owed : £382: offered £90.LBA sent 02/07/06, Delivered: 04/07/06. Offer increased to full £382 but with condition. Settled 4/11/06.

Data Protection Act sent to BOS CC : 19/06/06. Acknowledged : 03/07/06 Statements Received : 11/07/06 owed £845

Statements received for closed BOS account: 27/07/06, Owed £2596.52

First claim on closed BOS account now started - £735 Prelim received 7/11/06 LBA sent 5/12/06, Offered Full £735 but with conditions. Claim filed 22/01/07

CapitalOne-£1247, settled in full.

LloydsTSB- £910, sttled in full.

 

LET BATTLE COMMENCE

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What about the doctrine of Laches, though?

 

Myself, Glenn uk, and others have debated the equitable Doctrine of Laches in certain threads and we are of the opinion that Laches can only be used if the banks have been prejudiced by our delay in making a claim. Clearly they haven't.

 

Paul

An appeaser is one who feeds a crocodile, hoping it will eat him last. <br />

Winston Churchill

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There are many other reasons as well why laches woudn't apply.

Foremost is the fact that if you want to rely upon Equitable doctrines, you must yourself have acted in utmost good faith.

I doubt whether this can be said of the banks.

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Ok this still hasn't been answered yet, does this apply in Scotland?, we are getting screwed on 3 fronts here,

 

1: the 5 year limitation

2: the £750 small claims limit

3: the banks, of course

On the 5 yr limit, you are actually doing very well.

The Scottish limit runs from the date upon which you should reasonably known about the breach - meaning the unlawfulness of the charges.

There is a long stop of 20 yrs but this is of no relevance to most people

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Cave vs Robinson April 2002

 

Lord Millet said

 

 

 

 

FWIW I have already claimed back from 1997 against abbey and ther specifically stated they would not defend the charges pre six years old.

 

Cant say it will always be the same though.

 

Glenn

 

Do you have a link for this case Glenn??

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Would this claiming further than six years apply to business accounts too? the HSBC almost put me out of business, I have all my bank statements from the start of my business.

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Laches (equity) - Wikipedia, the free encyclopedia

 

extracted from the above

 

Laches is an equitable defense, or doctrine, in an action at law. The person invoking laches is asserting that an opposing party has "slept on its rights", and that, as a result of this delay, that other party is no longer entitled to its original claim. Put another way, failure to assert one’s rights in a timely manner can result in claims being barred by laches. Laches is a form of estoppel for delay. In Latin,

Vigilantibus non dormientibus æquitas subvenit. Equity aids the vigilant, not the negligent (that is, those who sleep on their rights). In most contexts, an essential element of laches is the requirement that the party invoking the doctrine have changed its position as a result of the delay. In other words, the defendant is in a worse position now, than the defendant was at the time the claim should have been brought. For example, the delay in asserting the claim may have caused a great increase in the potential damages to be awarded; or assets that could earlier have been used to satisfy the claim may have been distributed in the meantime; or the property in question may already have been sold; or evidence or testimony may no longer be available to defend against the claim.

Kick the shAbbey Habit

 

Where were you? Next time please

 

 

Abbey 1st claim -Charges repaid, default removed, interest paid (8% apr) costs paid, Abbey peed off; priceless

Abbey 2nd claim, two Accs - claim issued 30-03-07

Barclaycard - Settled cheque received

Egg 2 accounts ID sent 29/07

Co-op Claim issued 30-03-07

GE Capital (Store Cards) ICO says theyve been naughty

MBNA - Settled in Full

GE Capital (1st National) Settled

Lombard Bank - SAR sent 16.02.07

MBNA are not your friends, they will settle but you need to make sure its on your terms -read here

Glenn Vs MBNA

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Would anyone know how long the royal bank of scotland and halifax keep our account records for? If this all works out then like a previous member to this thread my life would change considerably. They have taken that much money from me in the past whilst bringing up a family.

 

In July of last year I requested statments for the previous 10 years

from HBOS.

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I currently have a small claims action beyond 6 years against HBOS.

They lodged a defence that the claim was time barred. At the recent third hearing HBOS failed to attend. The Sheriff said legally he was required to allow them the chance to defend the action as they had previously lodged a defence. The hearing is set for the 14 May

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Hi,

As i previously stated I applied for and received 10years worth of statements in Jul 06. That must be a prescedent of some sort...

 

They have offerred £917.00 from £2079.00 I have just swent refusal of settlement e-mail and letter today, Will start court proceedings in 14 days time...

 

Patrisha11

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I'm already in the middle of a claim with barclays, does this mean that I can send in a request using the original template asking for 12 years instead of 6 years statements?

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