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    • No. The defence is different. Their defence paragraph 2.7, 2.8, 2.9, 2.10 – for the first time makes reference to an alleged term between the Packlink/EVRi contract which apparently specifically excludes the effect of the Contracts (Rights of Third Parties) Act 1999. If this is true then it is very likely that they will have closed that loophole because the 1999 act specifically allows itself to be excluded by an express term within the principal contract I think that you will have to do ask the court to require them to provide evidence by way of presenting their contract and also the date that this new amendment was inserted. I understand that your claim refers to an item which was lost a year or so ago. These give us the date. We would certainly want to know that this amendment predates the date when you first contracted with Packlink to send the item. I would want to say to the court that in the absence of their willingness to confirm with evidence the date that this contractual amendment was made, that the court should assume that this was a recent amendment and was therefore not in force at the time you made your contract. We have third-party defences on this sub- forum which are fairly recent and there has been no mention of this exclusion of the 1999 act. I think we can take it that this is something that they have put together very recently. Secondly, even if they want to exclude your third party rights, it does not absolve them from the negligent handling of your item and in respect of an action for negligence you have first party rights. You don't have to rely on third party rights – although of course, you didn't allege negligence in your original claim. We didn't advise you to do so. Maybe shortsightedly we didn't foresee this contractual amendment. Of course assuming that this contractual amendment is true – although I expect it has only been added recently – what they are saying here is that nobody in the United Kingdom who makes any contract with any parcel delivery company using Packlink will have the right to bring a claim for lost or damaged or even stolen parcels. These people have lost their moral compass. It is shabby treatment of ordinary customers who pay their money and who repose their trust in these parcel delivery companies. No wonder that the Paralegal Children are now ashamed to sign off these documents with their own names. In terms of parcel tracking information – apparently it has been destroyed according to their own data protection policy. That's their business. It's got nothing to do with you and they can't use this to frustrate the six year limitation for bring a breach of contract action or the three-year limitation period for bringing an action in negligence or other tort. There reference once again to the exclusion of the 1999 Act but this time apparently in the contract between you and Packlink – is irrelevant because the exclusion has to be in the commercial contract between Packlink and EVRi – which they have referred to in their paragraph 2.7 et cetera of their defence. I'm assuming that you propose to go ahead with this case. Please let us know when you respond and we will go forward. In the meantime, I suggest that you write a letter to EVRi. Referred to their paragraph 2.7 et cetera and asked them for a copy of the contract and confirmation of the date on which the exclusion of third party rights term was included in it. Tell EVRi that if they do not answer or if they refuse that this will be brought to the attention of the judge. Tell them also that you notice that they say that they have destroyed data in line with their data protection policy. Inform them that they do not appear to have disclosed this data protection policy to their customers. Please will they forward you a copy of it and once again if they failed to respond or if they refuse that you will bring this to the attention of the judge as well. I suggest that you post a draft of the letter here so we can have a look    
    • Good morning dx100UK Could I send the update to you privately? Regards
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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.

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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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Charging Order & hypothetical question


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This is purely a hypothetical question.....I obviously need to get a life and stop these strange thoughts that go around in my head :(

 

OK...you have a mortgage for £62K plus a charging order for £24K. The mortgagee is unable to work and finds that they are no longer able to afford to pay the capital repayment on the mortgage, the interest is paid by DWP. Due to financial hardship the property has fallen into disrepair. The mortgagee puts the property up for sale and the best offer is £68K. After paying back the mortgage plus solicitors costs they are left with £3K, which will not cover the charging order. The former mortgagee is now in rented accomodation as they cannot afford a mortgage, or even get one because of the CCJ and charging order.

 

What would happen regarding the charging order?

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the people holding the charge may object to the sale of the property although i guess there is nothing to stop a repossession if the mortgage payments were stopped. i guess the charge would be lifted and the amount outstanding would return to being "just" a money judgment.

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Hi Sequenci, So does that mean that the people holding the charging order can stop a person from selling their property, and do you need their permission to put a property with a charging order against it up for sale, and maybe subsequently accept an offer?

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thy sure can, you would need to go to court to obtain an order for sale. more info off our factsheet on negative equity:

 

SELLING YOUR HOME

 

You may be able to sell your house with permission from your lender. You will need their agreement as they can stop a sale going through if the sale price will not cover the outstanding mortgage. You will need to persuade them that you have obtained the best possible price for the property. Point out that if the house was sold by your lender they would be likely to get a much lower price as the property would be empty and could fall into disrepair.

The FSA Mortgage: Conduct of Business Rules say that a lender must "deal fairly" with anyone in arrears. It also says the lender must "give consideration to the customer being allowed to remain in possession to effect a sale". This means that if you cannot afford to stay in the house, the lender must look seriously at allowing you to sell the house yourself whilst you are still living there.

If your lender refuses to let you sell the house it is possible to apply to the county court for an order for sale under the Trusts of Land & Appointment of Trustees Act 1996. The court can order a sale on whatever terms it thinks reasonable, even if your lender objects.

In some circumstances you can use Palk v Mortgage Services which is a case where the lender was ordered to sell the property after repossession rather than rent it out indefinitely. This was because the rent would not have covered the interest being added to the mortgage so the debt was still growing.

In the Halifax v Barratt case the court let the borrowers sell the house for the "best possible price" even though the Halifax refused permission for the sale.

The borrowers were also allowed to take the sale costs out of the sale proceeds before the money went to the lender.

  • Talk to the lender about selling your home yourself.
  • You may have to prove to your lender that sale is the last resort and the sale is in everyone's financial interest.
  • Provide your lender with full information about your financial circumstances.
  • You will need evidence from several independent estate agents that you have found the best sale price for your home.
  • The lender may ask you to sign an extra agreement saying how you will repay the shortfall debt.
  • Consider handing the keys in and making an arrangement to clear the shortfall once the house is sold by your lender. This is only an option if you do not want a new mortgage in the near future as your details will be on the Mortgage Possessions Register for six years.

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That is considering the mortgagee is in arrears with their mortgage though..I'm thinking that the lender refers to the mortgage provider in this factsheet.

 

I just found this on Debt Collector Online :eek:

 

 

CHARGING ORDER If the Debtor owns a property or land, it is possible to “register a charge” against the property to show that you have an interest in the sale and should secure payment provided that there is sufficient equity in the property. A charging order prevents the debtor from selling his or her property or land without paying what he or she owes you. Any charge obtained will not take priority over existing charges, such as a mortgage.

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That is considering the mortgagee is in arrears with their mortgage though..I'm thinking that the lender refers to the mortgage provider in this factsheet.

 

if there were no arrears the people who hold the charge could object to the sale, hence the order for sale being needed.

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