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    • 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   
    • Ms Vennells gave testimony over three days, watched by those affected by the Post Office scandal.View the full article
    • Punters are likely not getting the full amount of alcohol they are paying for, a new study suggests.View the full article
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    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
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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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CatLover64 v HSBC


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This was in Croydon.

http://www.consumeractiongroup.co.uk/forum/barclays-bank/43064-bookworm-barclays-round-2-a-2.html#post1104348

I'm assuming that you're applying for removal of a stay. Make absolutely sure that you don't try any shortcuts, use the proper form and pay the necessary fee if so. From what I've been told it could make a difference as Croydon don't like people trying to apply without. If you notice Booky does say that the judge seemed sympathetic.;)

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That was a very interesting read. Not quite sure of the implications though. The financial Ombudsman will probably be absolutely inundated with people claiming now that story has been leaked out.

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Very interesting as you say Jo. :)

 

I'm a bit confused though, (nothing new for me) I thought the FOS had put everything on hold until the 'TestCase' was over..........? :? . Is this now saying that if you send your case to FOS anyway, they will tell the banks to cough up IN FULL on the quiet?

 

My brain hurts :grin: :grin:

 

PS Sorry, - Hi Catlover, long time no hear!:-)

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Advice & opinions given by johnnymitch are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

 

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I had a look at the FO site and it still says that claims are put on hold pending the outcome of the OFT case

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A prudent question is one-half of wisdom.

 

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Seems to be a bit of mischief-making going on with the media Pete, - I don't suppose .... no ... surely not ...not the banks telling porkys to put people off. :rolleyes::D

 

And to try to push OFT & FSO and court minds along pre-prepared tracks ..... no they wouldn't do that, would they????? :o

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Advice & opinions given by johnnymitch are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

 

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You'd best have on a ****proof suit then Pete! :D.

 

Personally - thought this might be a red herring, but now the story's appeared on the Beeb, am not so sure...It would be just like the OFT to give it large, then bottle out. I definitely smell a stitch up in the offing...

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Whatever they do will now be under the microscope of every financial editor of every media outlet in the country (not to mention the out and out scandal monger journalists) and if they smell a rat they will go digging for it, scandal sells newspapers and makes people watch the TV and thats what they are in business to do :D.

 

The heat is on and I hope all these agreements that have been made are watertight because theres a tidal wave coming :D.

 

pete

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I had the same feeling yesterday ,Pete, as if something is going to bust loose shortly. :o

 

Let's hope it's in our favour, not a behind closed doors sell-out by OFT,FOS,FSA & Uncle Tom Cobley and all! :D

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Advice & opinions given by johnnymitch are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

 

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You're right, of course Pete, I'm just an old cynic!:rolleyes:

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Advice & opinions given by johnnymitch are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

 

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Just a teeny thought. My prelim hearing's on 17/10. Not too sure what I should bring to the hearing but DG have indicated they'll go for a stay. Wonder if I should print off these stories, bring them to the court, and respectfully 'invite' HSBC to settle?

 

Don't want it to drag on, but am moving abroad next year. Think I'll throw that in the mix too!

 

What do you guys think? :)

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If you have a date for emigrating then it is worth bringing this to the courts attention that you wouldn't be readily available to attend court after that date. Nothing to lose by trying.

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Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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  • 2 weeks later...

Hi guys

 

Thanks for the replies. Haven't heard anything more, but then I've been in Portugal for the past couple of weeks sunning myself :D.

 

Does anyone know how FL is? Seems he's not too well again....:(.

 

Meanwhile - my case is due to be heard all being well 17/10. I'm not going to call the court beforehand just in case they have the bright idea of staying the case if I do. I'll just turn up and see...

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The court will probably try to stay it anyway, - have your 'arguments against' ready to trot out at the time, if you get a chance to get a word in - some judges are just 'staying blind'. Then you have to apply to have it lifted.

 

Your best lever may be the emigration card, but I think the courts are stuck in this 'stays' mindset, unless you can plead genuine hardship......

 

If all else fails try for a direction that the bank should not apply any more charges until the test case is decided. (although I only know of one judge that has done it, if you don't ask they won't think of it!)

 

Haven't heard how Freaky is, he's only been off-line a couple of days.......

Nemo me impune lacessit

 

 

Advice & opinions given by johnnymitch are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

 

If you think I've helped you please feel free to tickle my star :-D

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Hey Johnny! How are you? Thanks for the reply.

 

I think I can prove hardship as well as the emigration card, so will use these and hope for the best. At least I won't have to ask that no more charges are applied to the account as HSBC have already closed it! :mad:

 

What other arguments/papers should I bring to the hearing? Anyone able to advise or help?

 

TIA :)

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Hi Cat

Just to make you feel better they settled mine about 2 weeks before the prem date, I sent a letter to D&G stating if they didn"t settle straight away it would have to go to court as I was on holiday for the 2 weeks before the prem date, I don't know if it helped but they did settle. I also sent them a copy of a special directions letter which I sent to the court and asked which person to address my court bundle to (which I hadn't done)

I think at this stage if your on top of your nudge letters a little more pushing wouldn't hurt

 

Good luck

 

Sharon

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Hi Sharongina - you were lucky , like me - that was long before the OFT Test Case reared it's head. Banks no longer have to pay up because cases don' t get dealt with by courts who are staying cases until the result of the Test case.

About the only way you can get a stay lifted and a case heard is if you can prove genuine hardship.

Nudge letters are no longer an option, because banks don't have to deal with your claim any more........... :eek:

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Advice & opinions given by johnnymitch are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

 

If you think I've helped you please feel free to tickle my star :-D

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Hiya Cat, I would get all of your papers together in a file of some sort and file it/index it so you can find things easily and take it all with you so if anything gets asked about your claim you can counter it without having to say its here somewhere lol.

 

read up on stays, if you hear nothing fron the court (ignore DG) still have the application to have the stay lifted and all of your reasons with you, Have a look a Zoot's skeleton argument template..

 

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/115276-skeleton-argument-stay-hearing.html

 

I think if you at least read it it will focus what you need to say to counter DG's stay application.

 

and if you want to see DG's stay application :D it's here post#26

 

http://www.consumeractiongroup.co.uk/forum/hsbc-bank/115078-hearing-remove-stay-monday.html

 

good luck

 

pete

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