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    • Hearing held today in court. I attended in person and Evri had an advocate attend on their behalf to defend their position that my contract is with Packlink and not with them. I also provided a copy of Evri's terms and conditions which explains that a contract is entered into when a parcel is sent with Evri. The judge pointed this out to the Advocate and agreed there is a contract between me and Evri under the Ts and Cs. The judge explained that while Packlink are responsible for organising the delivery of the item, it is Evri who are responsible for handling the goods and delivering them, and therefor Evri has a responsibility to handle the goods with reasonable care and skill. So am pleased to say the judge found in my favour. Hearing lasted about 75mins. Evri has been ordered to make payment within 21 days. Also nice to meet @jk2054 in person.
    • Good morning,    I just wanted to update you on the situation.    I have visits piling up with my current employment and they need doing before I finish at the end of this month.  I am moving to Wiltshire in 3 weeks for a new job helping care homes with their Dementia patients. I tried to work it out and at a guess I will be doing about 20-25,000 miles a year. So need a vehicle that can cope with that mileage, my old car would have done it easy but 🤷‍♂️ I have taken out a loan and got a friend to find me a reliable car that can cope with the miles and hasn't been written off in the past.   I phoned Adrian flux to see if I could use the last months insurance on a new car I have bought, the girl I spoke to phoned Markerstudy and asked them but they said no, my new car doesn't have any modifications.    I had an email from someone who saw one of my appeals for information, they live near the site of the accident and know a nearby farmer who has a security camera at his entrance that catches the traffic and specifically registration plates as he has been robbed before. They said they would reach out for me and see if he still has the data. Unfortunately it wont catch the scene of the crash.   The Police phoned me and said they were closing the report I made, even if they found footage of the vehicle at the time I said the actual incident would be my word vs theirs.  My first response was I am sure google maps would show that they turned around at that location which would verify my version of events, but upon reflection I do understand, I have seen people doing make up with both hands while driving, eating from a bowl steering with their knees and veering all over the place. I am sure some of these people go off the road and claim that someone forced them off.    Markerstudy phoned me yesterday to say that my car is now at Copart, the £80 tank of Vpower diesel was emptied on entry to the site for safety reasons, which I get but it sucks.  It is awaiting being assessed and shouldn't be too long, which is a relief.  I am really glad things do not seem to be going the way of the other stories and they seem to moving quickly.   However I was informed that my car was a structural write off before I bought it - this destroyed me, I was almost sick.  and this is going to affect any offer of money - after hearing the first statement this didn't affect me.   They need to wait for the assessor to check it over but it is highly likely to be written off and the maximum they can offer is £2300.  I was desperate for a car as I was working for an agency at the time, no work no pay, and did not do a vehicle check because I didn't know about them.  The seller did not tell me that it had been structurally written off, he told me that it had the front wing damaged while parked and was repaired at an approved repairer.  Markerstudy records state that it was sold at auction, no record of repair at an approved repairer.  I bought it bank transfer with hand written receipt.    It gets worse.    It turns out my airbags should of gone off. For some reason they are not working. I think we can figure out why.  If I had hit that car head on and had no airbags.    Some good news.    I can arrange a time with Copart to go and take my stereo equipment and any personal items that are left in the car only. I cant live without music and need quality sound, my speakers and amps are Hertz and JLaudio, (no I am not a boy racer with booming subs, I am an audiophile on a budget) I was really worried I wouldn't get them back so this is a huge relief for me. It is stuff I have built up over years of saving and collecting. Everything to do with the vehicle and mods I have declared need to stay to be assessed.   The accident has gone as a fault on my record, I have to remove 2 years NCB which means I still have some to declare which is good.  So it appears at this point that it may be resolved quickly, not in the way I was hoping, but not as bad as I presumed it was going to be based upon that tow truck drivers attitude and behaviour and the horror stories I read.   I am not going to buy the car back and try to make money with all the parts on it, I don't have the time or energy.   I may need an xray on my back and neck.  The whole situation has left me feeling physically sick, drained and I need it done.   The lesson learnt from this  -  My conscience is 100% clear, my attitude to safety and strong sense of personal responsibility - A rated tyres even if on credit card, brake fluid flush every year, regular checks of pads and discs, bushes etc, made avoiding what I believed to be a certain broadside collision possible.   Get a dashcam (searching now for the best I can afford at the moment)  -  Research your insurance company before you buy  -  Pay for total car check before you go and see a car and take someone with you if you are not confident in your ability to assess a vehicle.      Thank you to everyone here who volunteers their time, energy and information, it is greatly appreciated.  You helped my sister with some advice a while ago but we weren't able to follow through, she is struggling with long term health conditions and I ended up in hospital for a while with myocarditis, when I got out and remembered it was too late.  I am going to make a donation now, it is not a lot, I wish I could give more, I will try to come back when things are on a more even keel.    Take care
    • It seems the solicitor has got your case listed for this “appeal” but not for the Stat Dec(SD). You need to ensure you can perform your SD on the day. If you are able to make your SD in court, the situation you are in now is more straightforward than if you made your SD via a solicitor. You have been convicted of two offences (and two were dropped) via proceedings of which you were not aware. The way to remedy that is to perform an SD. No appeal is necessary (nor is it available via the magistrates’ court). If you are able to make your SD this is how I see it panning out: You will make your SD to the court. The court must allow you to make it as it will have been made within 21 days of you discovering your convictions. You will then be asked to enter pleas to the four charges again. At this point you should plead not guilty to all four but make the court aware that you will plead guilty to the speeding charges on the condition that the FtP charges are dropped. The prosecutor will be asked whether or not this is agreed. In my opinion the overwhelming likelihood is that it will be. If it is you will be sentenced for the two speeding offences under the normal guidelines. In the unlikely event it is not accepted,  the speeding charges will be withdrawn (they have no evidence you were driving). You have no viable defence to the FtP charges and so should plead guilty. This will mean 12 points and a “totting up” ban (as you have already suffered). You can present an “Exceptional Hardship” argument to try to avoid this (explained below).   Because of this, I don’t see any need to make an argument to ask to have any ban suspended (pending an appeal to the Crown Court) unless and until you are banned again. The only reason I can think the solicitor suggested this is to secure a (Magistrates')  court date. I was surprised when you said you had an appointment so quickly; a date for an SD usually takes longer than that. However, if you can use it to your advantage, all well and good. I can’t comment on the argument that the two speeding offences were committed “on the same occasion” as I don’t have the details. That phrase is not defined anywhere and is a matter for the court to decide. It’s an interesting thought (and only that) that such an argument could equally be made for the two FtP offences. If the requests for driver’s details arrived at your old address at the same time, with the same deadline for reply, it could be argued that you failed to respond to hem both “on the same occasion” (i.e when the 28 days to respond expired) and so should only receive penalty points for one. Hopefully you won’t need to go there. I think you have information about avoiding a “totting up” ban. But here’s the magistrates’ latest guidance on "Exceptional Hardship" (EH) which they refer to: When considering whether there are grounds to reduce or avoid a totting up disqualification the court should have regard to the following: It is for the offender to prove to the civil standard of proof that such grounds exist. Other than very exceptionally, this will require evidence from the offender, and where such evidence is given, it must be sworn. Where it is asserted that hardship would be caused, the court must be satisfied that it is not merely inconvenience, or hardship, but exceptional hardship for which the court must have evidence; Almost every disqualification entails hardship for the person disqualified and their immediate family. This is part of the deterrent objective of the provisions combined with the preventative effect of the order not to drive. If a motorist continues to offend after becoming aware of the risk to their licence of further penalty points, the court can take this circumstance into account. Courts should be cautious before accepting assertions of exceptional hardship without evidence that alternatives (including alternative means of transport) for avoiding exceptional hardship are not viable; Loss of employment will be an inevitable consequence of a driving ban for many people. Evidence that loss of employment would follow from disqualification is not in itself sufficient to demonstrate exceptional hardship; whether or not it does will depend on the circumstances of the offender and the consequences of that loss of employment on the offender and/or others. I must say, I still do not understand what the solicitor means by “As a safeguard we have lodged the appeal and applied to suspend your ban pending appeal due to the time limit for being able to automatically appeal without getting leave of the Judge.” When they speak of “leave of the judge” I assume they mean they have lodged an appeal with the Crown Court. I don’t know what for or why they would do this. It seems to follow on from their explanation of the “totting up” ban. If so, I’m surprised that the Crown Court has accepted an appeal against something that has not yet happened. But as I said, i is no clear to me. Only you can decide whether to employ your solicitor to represent you in court. If it was me I would not because there is nothing he can say that you cannot say yourself. However, I am fairly knowledgeable of the process and confident I can deal with it. That said, I do have a feeling that the solicitor is somewhat “over egging the pudding” by introducing such things as appeals to the Crown Court which, in all honesty, you can deal with if they are required. I can only say that the process you will attempt to employ is by no means unusual and all court users will be familiar with it. I can also say that I have only ever heard of one instance where it was refused. In summary, it is my view that it is very unlikely that your offer to do the deal will be refused. If it is accepted, you may be able to persuade he court that the two speeding offences occurred "on the same occasion" and so should only receive one lot of points. Let me know the details (timings, places, etc) and I'll give you my opinion. Just in case your offer is refused, you should have your EH argument ready. Whether it's worth paying what will amount to many hundreds of pounds to pay someone to see this through is your call.  Let me know if I can help further.    
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      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.
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Georgesdragon Vs Hsbc


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well i thought that too but as they're seperate accounts & you're only claiming on one it shouldnt affect the other .

 

seen advice on here before where people have had loans, mortgages, etc with the same bank & have been told it shouldnt make a difference.

 

would like someone else to confirm this.

 

other option is to open another account completely away from the HSBC empire.

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I have looked into opening another separate account else where, but as im serving overseas im at a loss as to who to go with... they all want a list of 5 years of uk addresses and my last 3 postings have had a BFPO address so dont think anyone will go for that....so i will stick with first direct and hopefully it will be ok.....

thanks for you advice pinkdutchess, i have printed off letter number 2 threatening the legal action etc so will be posting that first thing tomorrow....

;)

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im sure you'll be fine.

 

be ready for the next stage - in 14 days you file your claim. check out the MCOL website if youre going to do it online. you can register now - see what needs doing and pop in and out until youre ready to submit the claim. i'll find you the link in a mo.

 

****Guide to Filing at MCOL****

Getting MCOL Right

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  • 2 weeks later...

Morning everyone,

update on whats happening with my claim.

we have sent the 2nd letters and they were signed for on the 18th May at HSBC.

so now do we sit and wait? we can't file with the court because we are posted overseas in Cyprus and havent got a UK address.

Do I make any sort of contact in the next 8 weeks or just sit tight and wait and see what happens... I have been following other folks stories on the MSE site and those that chose not to go down the court route are getting offers in the 8 week time scale which we would be happy with.

I have also transfered my wages so they are now due to be paid into my other account and Ive cancelled all the direct debits out of HSBC.

;)

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Also forgot to ask, I have just checked my online statement with HSBC and they have charged me £25 for the cancelled Direct Debit and another £75 for account fees plus £38 interest. These are not included in my bank charges claim, do i have to do another claim? Any advice

Thanks in Advance

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i see your problem - how long before you return to the uk?

do you not have someone here who's addy you could use - it is just a matter of shuffling some papers back and forth to you. we've told peeps before that it is ok to file if you have someone whose addy you can use.

if you want to wait out the 8 weeks that they say they will take to look into your claim - that's ok too - and as you say - sometimes they get an offer about that time.

as for the new charges - as you haven't filed with the court - you can quite rightly just keep adding them on to your claim - you might send whomever sent you the "we are looking into it" letter an updated schedule of charges whenever you add new ones on.

here's one little warning - don't just add the interest from your statements onto the charges list - that would be incorrect as the interest debits go on to the list either partially, all, or not at all - this can only be determined by putting the whole list of charges onto the advanced spreadsheet - by putting the balance at the time of the interest debit into the advanced s/s, it will determine what portion, if any, of the overdraft interest you can add to the list of charges - but don't just plop them on there in total - that would mess up your claim. so, you might try the advanced spreadsheet to see how much it would add to your claim or you can just leave the interest debits from your statements off your claim alltogether. the bank won't give you the 8% interest (which you would be asking for once you file in the court) so, you are just as well off sending them an updated list of charges - noting the date (oldest first), what they call the charge, and the amount with a total at the bottom. don't be afraid to add on all new ones that come through and keep sending them to the same person - saying "please find my newly updated and current list of charges which I am asking to be refunded to me" using the reference number they will have no doubt sent to keep updating your stuff - and in any letters - refer to your first letter of xx/xx/xx ref: xxxxxxxxx so it doesn't go to the bottom of some pile but keeps where it was.

 

ok with that?

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ok, well in that case looks like you are sort of stuck waiting for them to reply and in that case you may want to be a bit more proactive - we had a very determined lady on here in february - determined to get her money without filing a claim - here's her story:

BatterseaCassie v HSBC (multipage.gif1 2 3)

and how she did it. letters and all.

good luck

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me again,

just another quick point, when sending the revised list of charges I havent got a reference number as the first letter for the joint account was never acknowledged, only received a "colin" letter for my wife's account even though they were both sent together... shall i hang on to see if the latest letter is responded too?

thanks again

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yes i have had a read of the link.. think thats the best and only option for us really.

Does the "8 week" time scale start from the original letter or the last letter we have just sent?

and should i make any other contact via email say once a week just to let them know we are still about ... don't really want to call them cos it will cost a fortune calling from Cyprus...its a pity i cant Skype them:D

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i think it's what you feel best - as you are sort of doing your own thing - you do what feels right for you. it's not the normal way of going on - but yours is special circumstances - so going your own way seems best. just use hers as a sort of template - without the phone calls - use e-mail when she used telephone. let us know how you get on.

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I always thought UK millitary bases overseas were deemed to be british territory i.e. part of the UK and governed by UK law therefore as far as the british legal system is concerned you still in the UK.

 

Might be worth having a word with your CO to see if he can confirm or otherwise what the legal position is out there. I'm sure your not the only person in the forces who has had cause to use the County Court system.

 

I wonder if Rob the Viking knows? I think he is/was in the Navy or Air Force.

 

pete

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Hi Pete,

we are classed as part of the uk but because our postal address is BFPO it isnt recognised as a UK address...as for speaking to the CO ... afraid cant do that .. we have chain of command and im way down on the list... we will go down the same route as cassie has gone and prepared for the wait... we have dug our trench and got our rations and brew kit,so we will be fine:)

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me again,

sorry but it's abit of a "rant" posting today...

pay went into new account aok, checked on HSBC and the standing order for the loan (which we cancelled online on 15.5.07) had been paid!! pushing us over the overdraft even more! I called HSBC and they said you can't cancel a loan standing order, i said then why did it allow me to do so online and gave me confirmation this had been done... so now i will be charged yet again!! and I asked if it will be recalled like the Bank of Scotland loan was last month and they said no!! so why cancel that one and charge me £25 and let their own go through....the young chap on the phone despite me telling him at least 3 times Im british forces overseas in Cyprus, kept saying i can only cancel the s/o if i go into the my branch! .... so at the minute im banging my head against the wall waiting for them to call me back with regards to what can be done....sorry for the rant....

oh for an easy life;)

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heidi daniels -

the name of the customer service lady you will e-mail and tell her that little tale - and throw in the flag waving an all and i really, truly believe that one you can get reversed. - and tell her your nearest branch isn't very close. really, that's just plain stupid. try this address - [email protected]

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  • 4 weeks later...

UPDATE

 

Had a very nice letter from HSBC today, asking what I'm going to do about my overdraft and would i call them asap..

so have just got off the phone and I said that I'm waiting for a reply to my letters requesting my bank charges back and was told an offer letter has been sent out on the 23rd June!! so if that's correct its exactly 8 weeks since i started the claim!!

Trying not to get too worked up as knowing my luck it will be an offer of £10! lol

 

will post again once the letter arrives hopefully in the success story section :D....

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Lat you were right. Just seen Georges post on sucsessful claims!

Seems a shame you can't do the court process as you would get it all with interest!

 

But if thats the case then congratulations!

At least the o/d has gone!

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