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    • So if the breach occurred say Dec 2017 (first missed payment) and the default notice was issued Sept 2018 and the claim was issued 7th June 24 the claimant will of course be arguing it is within the limitation period (by 3 months)
    • Yep, I would  have brought up the other things like asking for their contract and receiving no response etc. but the mediation phone calls were rather short. Evri just said the contract was not with them (i said 1999 act response etc.) and the goodwill offer thing. Whole process took about 10 minutes in total. Seems like they don't even want to negotate in mediations anymore. "they're only given a certain amount that they can agree to in mediation per day" I mean its hard for me to say if thats the mediator paraphrasing or aa direct quote from evri I will look through that thread and share what I find, also for what its worth I also have everything I made for the previous claim WS and bundles etc. that I can tweak for this parcel, since it did go almost all the way to court and is a virtually identical case. that + this new stuff you shared above should be helpful to me
    • If I haven't referred to it before then please check out this thread another case where the claimant contracted directly with Packlink for a courier delivery service carried out by Evri. Please read this thread very carefully and eventually you will get to a point where the claimant – our OP – discovered some interesting terms and conditions and has referred to them in his case. He incorporated these into his witness statement and was given judgement – not on the basis of rights of third parties but on the basis of direct responsibility. I would suggest that use the witness statement as a model although we will want to see it before you file it off. When you find the particular post with the witness statement, please can you post a link to it here as well as a copy of the witness statement because I don't have the time to look for it at the moment and the thread is rather long. However it is very important to you and you should go through it very carefully indeed. We have applied for a transcript of the judgement and hopefully it will be along in six weeks or so. As soon as we receive it we will make it available on this sub- forum.
    • Yes they are criminal charges. The law requires you to stop/report if "...owing to the presence of a mechanically propelled vehicle on a road or other public place an accident occurs by which— [injury or damage to a third party or their property is caused]. "I would be disinclined at this stage to offer anything more than you do not believe any such accident took place.  You could provide a brief description of the altercation in an attempt to explain why another party might be making these allegations. I know it's a silly question, but are you sure that you did not collide with anything? Could you have mistaken hitting something for the other party thumping your car? Could it be that you passing closely caused him to damage something somehow?  
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    • 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
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Just been to court/CL finance**WON IN COURT**


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Judge struck the case out on non compliance of CCA request. A copy of an application for credit is not acceptable.

 

pay attention peeps!!!! remember the law!!!

post office WON 12/11/06

 

abbey.LBA sent 30/10/06.MCOL claim submitted 8/11/06.allocation questionnaire sent 16/12/06.schedule of charges sent 16/12/06.WON

 

2nd abbey claim SAR sent 3/1/07.WON.complaint letter sent 18/1/08

 

alliance and Leicester.WON

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:-D :-D CONGRATULATIONS :-D :-D

 

 

 

 

 

Well done bluetack!

 

Just read the entire thread.... WOW!.... Just goes to show with great help an a lot of determination, we all stand a chance! :)

 

Best Wishes,

 

Symeon.:wink:

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Well done bluetack

 

the judge seemed uninterested in the credit agreement, as if it didn't really matter as far as the debt was concerned.

 

was it the same judge

 

Judge struck the case out on non compliance of CCA request. A copy of an application for credit is not acceptable..

 

did he change his mind

 

Dont forget to get default removed.

 

The judge pointed out that I actually knew more about points of law than both solicitors put together, red faces or what?

]

 

Rory you should apply to DCA as legal advisor

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:o:o No way we'd all be stuffed !!!

 

Good point.

 

They can stick with their own guys.

 

I wonder if it was on a 'no win no fee' basis, they'd be embarrassed to send in the bill if not.

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bluetack, inspiration comes to mind,:cool: well done, we will all be looking a lot closer at our cca etc.

We've always known Rory was the Bee's knee:p .

CONGRATULATIONS!!

LTSB court date 25/7/07

17/7/07 I WON I WON I WON!!!!:p :grin:

HSBC court date 11/9/07 (stayed)

CapOne lba 7/1/08-15/3/08 WON.

Citicards lba 14/1/08

 

Read Read and Read Some:razz: More

 

If I've been helpful in anyway please tip my scales:rolleyes:

 

Please note that this advice is given informally, without liability and without prejudice. Seek the advice of an insured qualified professional if you have any doubts.

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Congratulations -theory is all well & good but nothing beats putting it into practice !

 

For all peeps out there the Wilson case also made it clear that in the event of no acceptable CCA then the creditor couldn't recover monies owed under ordinary contract law REGARDLESS of whether they could prove debt existed or not.....

You may receive different advice to your query as people have different experiences and opinions. Please use your own judgement in deciding whose advice to take.

 

If in doubt seek advice from a qualified insured professional. Any advice I have offered you is done so on an informal basis, without prejudice or liability.

 

If you think I have been helpful PLEASE click the scales

 

court bundles for dummies

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Great dogs! Bluetack brilliant achievement. You were wobbly but stuck with it and had excellent advice from CAGers notably Rory. We just use the law against them. They have gotten away with riding roughshod for so long most of these DCAs must be bemused by the "little guy's" success. Loving it.

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Thanks everyone, I was 'wobbly' and nearly gave in and offered payments, but I didn't have anything to lose by fighting.

 

It was a different judge, this one was really on the ball (and on my side I think). I really didn't have to say much as everything was written down in my statement. The whole session was recorded.

 

As long as the DCA only provide an application for credit, not the executed agreement, and you take along the relevent bits fron CCA 1974 +2006, they have no argument.

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I have left out some important info that I have just remembered.

The solicitors were just representing CL Finance and were not from the actual company.

Maybe this was because I had the hearing moved to my local court.

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When you say an application for credit - what did it consist of? Were any of the prescribed terms on the back of paper or were they missing all together? How did the Judge determine it was an application for credit - by the heading? I am curious because I have a couple of what I think are applications for credit but some people are saying that they will suffice as executed agreements at court.

 

Any way well done for holding your nerve!:-)

You may receive different advice to your query as people have different experiences and opinions. Please use your own judgement in deciding whose advice to take.

 

If in doubt seek advice from a qualified insured professional. Any advice I have offered you is done so on an informal basis, without prejudice or liability.

 

If you think I have been helpful PLEASE click the scales

 

court bundles for dummies

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The so called 'credit agreement' said on the top 'application for credit'.

There were no terms or conditions or APR. There was the bit about the consumer credit act 1974 in a small box and my signature was very clear, I will post it up with the court docs when they arrive!

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Thanks would appreciate it and once again Well Done !!

You may receive different advice to your query as people have different experiences and opinions. Please use your own judgement in deciding whose advice to take.

 

If in doubt seek advice from a qualified insured professional. Any advice I have offered you is done so on an informal basis, without prejudice or liability.

 

If you think I have been helpful PLEASE click the scales

 

court bundles for dummies

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Will certainly be using this as inspiration in my own battles against Sainsburys, RBOS and Halifax - none of whom seem able to produce any CCAs for credit card debts totalling £6K. While not disputing the debt, I originally wanted to challenge some of the terms they were applying to my account. Now it turns out they can't even provide the agreement at all!

 

Well done, Bluetack! I'll certainly be ploughing into these banks on the same basis you did.

Bank and credit card reclaims - £9,806

Sainsburys CCA non-compliance with FOS;

Natwest reclaim of £340 in progress;

Egg credit card reclaim in progress

 

 

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Monty, I've read your pm, I will post up all the details of this case when the papers saying 'struck out' arrive from the court. This should help with your defence. I must say, the ruling is taking a long time to get here, I hope I didn't just dream that I won!!!:oops:

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would it be possible to use this case as precedent? Is there a published verdict?

 

Monty

 

Nope. This was a county court judgement, and so can't be used as a binding precedent.

i will be off site for the next month or so. if you have any problems, feel free to report the post so a moderator can help you.

 

I am not a qualified or practicing lawyer.

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Many thanks. I really think I have Amex on the ropes. Following a CCA request they sent me two applications for two cards that I had paid off years ago, for the two which they have deafulted me for and sent to a DCA (NCO) they have only sent print-outs of their T&C's for the defaulted ones. They have just passed the 12 working day phase (in default) and I had another letter off their data controller today telling me that they were trying to locate my "documents". I have also sent a CCA request to the DCA (Amex returned my CCA cheque and the customer services people said they had sent me the relevant docs and fulfilled their obligation, their data controller is a little more interested though). I have now stopped paying the DCA so that should precipitate some response.

 

I now need to work out my strategy and see that Dave is in a similar position and simply invited them to initiate legal action. I may go the same route. I have paid them about £7 K since default, I am not sure I can get this back but over the years have paid them £12 K in interest, only £500 in charges and they game me back 50%, I am going to go for the rest soon.

 

I need to be armed to the teeth so would be very grateful for any advice and help you guys can offer.

 

Kind regards

 

Monty

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Best to start your own thread on this Monty.

HAVE YOU BEEN TREATED UNFAIRLY BY CREDITORS OR DCA's?

 

BEWARE OF CLAIMS MANAGEMENT COMPANIES OFFERING TO WRITE OFF YOUR DEBTS.

 

 

Please note opinions given by rory32 are offered informally 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 judgment arrived from the court today:

 

IT IS ORDERED THAT

 

1) The claimant's application for summary judgment be dismissed.

 

2) The claimant's having failed to comply with the order of 14th May 2007 by failing to provide copies of card statements from February 2004 to July 2006 - claim stands struck out.

 

3) Claimant shall pay defendant's costs assessed at £50.00

 

 

Is this dissapointing or what?

No mention of CCA at all!

Did the judge leave this out on purpose???:mad: :mad: :mad: :mad: :mad:

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