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    • 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   
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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.

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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Big Ninja v Lloyds TSB


Big Ninja J
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I have 2 a/c's with Lloyds - one of which I opened approx 15 years ago. I also worked for them for 2 years. Am about to send off my claim form to Morpeth County Court to reclaim £1320 plus costs.

 

One thing that concerns me is reading about the importance of having Terms and Conditions for the court - I have none of the documents from when the accounts were set up, is it possible to get these?

 

No doubt I could probably find some current Terms and Conditions but are these really relavent if the accounts are years old when the wording and figures would obviously have been different?

 

Has anyone actually had to attend court and present a case to a judge - if so how do you go about doing that. I am no stranger to attending court as I work as a Police Officer but the prospect of presenting a case to a judge regarding banking, fair trading law which I know little about is a little daunting to say the least.

 

Any assistance will be greatly appreciated.

 

J

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Hi, Dont worry about T&C's yet, you're a fair way from a court date. The moderators are currently collecting old copies so they should be available when you need them. Some people do have to attend court but it's quite rare and normally the defendant doesn't show and submits a paper dafence. Hope that allays some of your fears ;)

Barclays - 2 Accounts - WON

Capital 1 - WON with CI

LTSB - WON

LTSB pre 6 years - N1 for non compliance filed

Barclays pre 6 years - Prelim sent

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Thanks jshtr3 - hopefully they will settle well before any court date but guess I will have to wait and see. From reading other peoples threads it seems almosty pot luck as to whether they settle early or not - hard to believe its the same department dealing with all these claims.

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Quick query for anyone who knows the answer - having printed off three copies of form N1 and schedule of charges, do all three copies get sent to the court or do I keep my copy for myself? Possibly a silly question but dont want to keep a hold of copy 3 if the court require it.

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Well, am off to deliver the forms personally to the court - dont trust the post service enough. Will update again as soon as there is anything to tell.

 

Thanks to both of you who have helped so far.

 

J.

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  • 2 weeks later...

Forms delivered to the court and paperwork stamped and returned to me 2 days later. So far so good - Lloyds have until the 28th June to return either a response or an acknowledgement of service. Here's hoping for a quick resolution.

 

J

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  • 2 weeks later...

Quick update guys - tomorrow is the final day of the fortnight that Lloyds had to respond to the court. So far I have heard nothing. I intend to ring the court tomorrow, find out whether Lloyds have responded and if not and if not then take my form requesting judgement straight down.

I have however, today received a letter from Lloyds informing me that they wrote to me four weeks ago (news to me!) updating me on the progress of my complaint and that they were still not in a position to progress it any further. I received no such letter 4 weeks ago - the only letter I have had from them was the initial Screw You letter they send to everyone saying they have done nothing wrong.

They must think I am a complete idiot. Still at least things have progressed from we have done nothing wrong to we are still looking into your complaint.

Is this a positive sign? I doubt it but will know more tomorrow. Stay tuned.

 

J

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Hi

Have a read of this link:

http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/25457-guide-reclaiming-bank-charges.html?garpg=13

 

Good luck, let us know how you get on.

Barty:)

I WON!!!! :D :D :D

http://www.consumeractiongroup.co.uk/forum/lloydstsb-successes/1774-barty-lloyds-tsb.html

 

IF I HAVE BEEN HELPFUL PLEASE CLICK THE SCALES:)

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Thanks Barty for the above link - unfortunately Lloyds appear to be doing their usual stalling tactics and left it until the very last moment to return their acknowledgement of service. Consequently they now have until the 12th July to respond.

I was intrigued by the letter they sent stating that they were investigating my claims and that they had sent an earlier letter 4 weeks ago updating me on progress. This I never received and I doubt it actually exists. Is this another standard response from Lloyds?

Is the best step now for me to wait or write to them again stating my intentions to follow this through.

J.

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Thought it probably was - Lloyds have filed a defence so court has sent me through a copy of that and an allocation questionnaire. It all seems pretty straightforward at first glance.

 

I am assuming that the defence that Lloyds have provided is probably a generic one that they provide for all cases. It basically states that I entered into a commercial arrangement and that when opening the accounts I acknowledged that the charges are incorporated into the contract. They also say that the charges are not penalties but are for banking services. They state that these charges are fair and reasonable and deny my claim in its entirity.

 

Is this a bog standard defence form that they sent out for every case or do the solicitors acting on their behalf actually do some work and look at each case individually?

 

J.

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If I have been helpful please click on my star and add a comment.

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Thanks GuidoT - have read through many of your other posts - its good to see so many people staying on the site to help others.

 

Am planning on getting my allocation questionnaire done over this weekend and hand delivering it to court on Monday.

 

I know I am still some way off needing to prepare a court bundle but reckon the sooner I start planning the better - do you know of anyone who managed to find relevant Terms and conditions - I have two Lloyds accounts - one is approx 14/15 years old and the other 5/6 years old.

 

J.

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Still awake - the defence I received was worded exactly the same as the one you copied in above. Good to see SC&M are really earning their money. Have spent last couple of days trying to get my head round new strategy - had visitors in house when first read about it so it all seemed blurry. Now I have some peace and quiet it appears straight forward and sensible.

 

Thanks for the T & C's - I have a question though - will I require a copy of T & C's from the year in which I opened the account - or can I use them from any time? My feeling is that wording may have changed and if I cannot produce the relavent T & C's from when I opened my account then SC&M may be able to play on that.

 

J.

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The wording will have changed, I am not sure which terms you should use, but given that clause 13.4. (of the link in post 15) says they may alter the terms from time to time, by giving you 30 days notice then I presume that the latest terms would supersede the previous terms. I would welcome anyone else's view on this point though.

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If I have been helpful please click on my star and add a comment.

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I have just read that point - did not notice it before - I guess then that one clause in itself should mean that the most recent T & C's should do for anyone's claim.

 

I agree however it would be useful to hear from anyone who may know different.

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Hi Big Ninja J

Did you put a covering letter in with you copy of the AQ and Draft proposal that you sent to SC&M?

If so is there a standard template anywhere or is it just a case of saying here it is? Do you offer them another chance to pay up?

Sorry for being so thick but I had to ask.

Regards

GeForceUK

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I have not seen any draft letter - I simply addressed it to the bloke who had signed the defence they filed and told him what was included. Did not give them another chance to pay - I reckon if I continually ask them to settle then it probably shows that I really dont want to attend court (which obviously I dont). Trying to appear as tough and confident as possible. If they are going to settle I guess it will probably be at the very last moment.

 

J

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