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    • Thank you. Was the value which was declared to the courier the same value as that which you are claiming? The letter of claim is a bit wordy but it does the job. However I would delete any references to mediation or any invitation to them to make proposals for some kind of settled solution. We would normally be advising people to refuse mediation that I believe that there is a new system which is just coming in where mediation becomes compulsory. With the old system, you could choose whether or not have mediation and you would have to agree to keep matters confidential and also agree that you are prepared to compromise. If these are the requirements of the new mediation system then I would suggest that you say that you are not prepared to compromise and that you are not prepared to sign up to a confidentiality agreement. In terms of compromising – the money is yours and there is no reason why should give up a penny. On this action you will be attempting to enforce your third party rights as you do not have a direct contract with EVRi. You should also sue them in negligence as an alternative on the basis that they are due a duty of care and that they failed in their duty and that the loss of the parcel was a reasonably foreseeable consequence which has caused you financial loss. As I think I said earlier, they won't respond to this or at least they won't agree to pay you are any reimbursement. This means that you will deftly have to issue the claim on day 15 which is in another five days. Have you registered with the MoneyClaim online County Court website? You need to do that the start drafting your claim. I suggest that you post your particulars of claim here before you click them off so that we can see and let you know if we think there should be any changes. Finally, you say that you are taking advice from a government website. You should realise that we are volunteers here. We don't get paid but the people who run the government website to get paid. We are very happy to help you. We help everybody completely free of charge but if you are taking advice from some other source then you should stick with them rather than ride two horses at the same time. It will only cause difficulties and conflicting advice and confusion.  
    • Ideally you should use the following. https://www.gov.uk/government/publications/form-n265-list-of-documents-standard-disclosure  
    • You prepare a list and list any document/s you have referred to in either your Defence or intend to use in your draft statement as an exhibit and list them numbered and dated and titled.. Any document that is not on that list can not be used as evidence or relied upon to support your defence.     .
    • I know thats why I wish to see given you asked earlier about " hearsay evidence "
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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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Creation Financial Services - Want to know more ?!


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I am trying to voluntarily terminate the agrement with creation finace on my car.

 

The consumer credit act 1974 states that i can do this (i conform to the requirments)

 

creation finance who are bound by this act have added a line to the agrement stating that i have no right to cancel under the CCA1974 act.

 

I have signed the agreement in the box under the statement which reads 'only sign this agreement if you want to be bound by the CCA1974 act.'

 

Surely creation are contradicting themselves? surely if they are bound by this act they cannot decide to add a clause?

 

and i have signed to say i am bound by the act not by creations key info?

 

also the agreement hasnt been signed by creation.. does this matter?

 

i have written twice to creation with no response from them at all

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this thread has now been closed

and moved to the new creation finance forum

 

if you have running posts in this thread

 

please start a new thread here in this forum

 

see the link in my sig

 

PM me

and i will copy yourold posts/replies over to your new thread.

 

dx

siteteam

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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  • 8 months later...

I have seen so many complaints about Creation Finance, some of which are very similar to my own bad experience with them. . . I am still 'fighting' with them after a Land of Leather financed purchase made back in 2004 and as I am only now seeing the various name changes they have undergone over the years, together with the so numerous bad reports about this company in a number of forums, make me wonder if the name changes serve as a smoke-screen to continue their appalling business ethics??

 

My advice is to stay clear of this company... whatever they call themselves today!

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Hi Im new to the forum and would appreciate some help. I have been trying to contact Creation Financial Services. The address I had for them is Solihull but my letter has been returned saying they have moved but did not give a new address. Can anyone give me an address for them I am trying to get them to refund mis sold PPI. Any help would be great.

 

Paddy Go Go.

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Hi Im new to the forum and would appreciate some help. I have been trying to contact Creation Financial Services. The address I had for them is Solihull but my letter has been returned saying they have moved but did not give a new address. Can anyone give me an address for them I am trying to get them to refund mis sold PPI. Any help would be great.

 

Paddy Go Go.

 

please start you own thread

 

see below

 

all the addresses are in tge stickies at the top of this [citi] forum

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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To 'Paddy Go Go'

 

Interestingly and annoyingly, the letter I have just received from the 'Complaints Advisor - Emma Crozier' - Creation (dated 6 August 2012) has the address in small copy:

Creation Financial Services Limited, Chadwick House, Blenheim Court, Solihull...etc; but that sounds like the one you have tried... However, the envelope has the address: PO Box 9135, Saffron Road, Leicester, LE18 9DJ.

 

Hope that helps, and you have more joy than I have had. (They simply take no responsibility whatsoever!! I am about to write to them once again......)

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Ian good luck with it mate.............they are paying NOTHING out to no one "I have that in black and white" and via a phone call and Paddy you need to start the address off with LASER (creation financial services Ltd) the rest of what Ian wrote is their NEW -ish trading office thats who they are trading as these days seems they move about a bit

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Thanks

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