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    • I am sorry about getting your status mixed up.  I have noticed one thing in your excellent WS. On their claim they are only pursuing you as the keeper-I think it is  in their Point C that  states along the lines of -the driver did not pay , so the keeper is liable. So on your No keeper Liability section  You may prefer  to alter 13 to    . It is trite Law that the driver and the keeper cannot be regarded  as the same person and the claimant has failed to offer any proof who was driving.  BY  only pursuing the keeper  when the PCN does not comply with PoFA must mean that their claim fails. See what the Site team thinks as it should  stop the Judge from looking at who was driving as your statement preempts them from even thinking about it.
    • What would suffice as proof? I just emailed them back my date of birth. Should I send a copy of driving licence? 
    • Which Court have you received the claim from ? Northampton   MCOL Northampton N1 ? Manual Claim CCMCC (Salford) ? New beta WWW.MONEYCLAIMS.SERVICE.GOV.UK ?   If possible please scan redact and upload a full page copy of page 1 of the claim form.   This has been uploaded in my previous messages in the bundle of documents     Name of the Claimant ? Asset Link Capital (NO5) Limited   How many defendant's  joint or self ? Self   Date of issue – top right hand corner of the claim form – this in order to establish the time line you need to adhere to./   14/02/2020   ^^^^^ NOTE : WHEN CALCULATING THE TIMELINE - PLEASE REMEMBER THAT THE DATE ON THE CLAIMFORM IS ONE IN THE COUNT [example: Issue date 01.03.2014 + 19 days (5 days for service + 14 days to acknowledge) = 19.03.2014 + 14 days to submit defence = 02.04.2014] = 33 days in total Not relevant as his claim was set aside, and has now been brought to the court again by the claimant       Particulars of Claim   What is the claim for – the reason they have issued the claim? Please see bundle of documents in previous thread   What is the total value of the claim? £10,734.1    Have you received prior notice of a claim being issued pursuant to paragraph 3 of the PAPDC (Pre Action Protocol) ? No   Have you changed your address since the time at which the debt referred to in the claim was allegedly incurred?  Yes - this is one of the grounds for getting it set aside   Did you inform the claimant of your change of address? No Is the claim for - a Bank Account (Overdraft) or credit card or loan or catalogue or mobile phone account? Credit Card   When did you enter into the original agreement before or after April 2007 ?  Apparently 2000   Do you recall how you entered into the agreement...On line /In branch/By post ? I do not recall entering into an agreement with Barclays   Is the debt showing on your credit reference files (Experian/Equifax /Etc...) ?  It was, but it is not anymore   Has the claim been issued by the original creditor or was the account assigned and it is the Debt purchaser who has issued the claim. Assigned to Asset Link   Were you aware the account had been assigned – did you receive a Notice of Assignment? No - although they have provided a copy of the assignment notice in their bundle of docs for the hearing   Did you receive a Default Notice from the original creditor? I don't remember - but again a copy of a letter has been provided (see bundle on previous thread)   Have you been receiving statutory notices headed “Notice of Sums in Arrears”  or " Notice of Arrears "– at least once a year ?  No    Why did you cease payments?  2015   What was the date of your last payment? December 2015   Was there a dispute with the original creditor that remains unresolved?  I wrote to Barclaycard back in 2015 to ask them to send proof of the original agreement but they just sent me a reconstituted document which had no personal deals on relating to me   Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan? yes - step change took control and set up payments of £1 pm
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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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Hi everyone!

Just a quick note to let everyone know that i am at the stage of court action now but interestingly i received a letter the other day offering me only £290 when the charges they have made are about £580.I then decided to phone them just to say to them that £290 was not enough and were they prepared to negotiate on the offer and straight away they said that they could offer me £580 but as full settlement but i declined because with all the interest and everything it is in the region of £1000 that i am claiming and they were not willing to pay the interest or the other £12 charges which they claim to be fair.:mad:

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Have you actually started a claim at the courts.

If you haven't and they offered you the full amount you should have accepted it.

The 8% interest can only be awarded by the court, and I dont think a judge would look favourably that you declined there offer of payment for the ammount you were asking for, just so you could get extra interest.

 

UNLESS you are cliaming Contractural interest and/or default removal as well

 

Paul

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Have you filed at court yet?

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Hi Pkea! Just to let you know that they only offered me the £25 charges not the £12 ones and not the interest on the charges.Thanks for the reply

 

Ok then, if you asked for all your charges (£25 and £12 ones) you are ok to decline their and carry on to the courts

 

Keep us posted

 

Paul

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Hi sea-sidelady! Just to let you know that i have not filed my n1 form as yet because i am waiting for payday which is about the 15/06 so will be doing it then.What stage did it take to get back your charges?

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If they offer all the charges but no interest on the charges as requested on lba(not the 8%) should i accept this then?

 

Yes, You can only claim the 8% interest when you file at court.

This is only awarded by the Judge.

 

Paul

 

"Wisdom Begins In Wonder"

My advice is based on my personal experience and should be taken as such.

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Hi everyone!

Was just wondering if anyone knew if you can claim the interest on the charges or if the only interest you can claim is the 8% when it goes to court? Please let me know if you have any idea.THANKS

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You put an extra 0. ;)

 

Its 0.00022

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HOW TO...DUMMIES GUIDE TO CAG...Read here

STEP BY STEP GUIDE...Read here

F&Q's... Read here

EVERYTHING YOU NEED THE A~Z GUIDE...Read here

 

Go to our Cag Toolbar Download page here

 

Please don't forget this site is run on DONATIONS If this site has helped in any way, then please give a little back. ;-)

Any opinions are without prejudice & without liability. All I know has come from this site. If you are unsure, please seek professional advice. .

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Please can anyone help me? I am filling in the n1 form and reached the particulars of the claim section and on the section 5 part c it says claimant claims interest under sec69 of the county courts act 1984 at the rate of 8% a year from the date when the money became owed to you. What date do i insert on that particular section? Is it the date of the first charge made on the account?

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Hi everyone!!! Does anyone know how long i have got to wait once i have taken in the n1 form because i have taken it in today but a bit confused because the guy in the court said the bank has 14 days but i thought it was 28 days. Could anyone help me? Please!!!

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This is what Seaside Lady put on my thread....

Ok so what happens next.....:wink:

 

The court will do everything for you. They send copies to the bank, and they will send you a copy.

 

Your copy will have the date it is deemed served. This is the date you need now. This is your countdown date.

 

They have 14 days to acknowledge from this date.

 

If they dont acknowledge then you can file the letter demanding payment. :grin:

 

If they do acknowledge,

They have 28 days from countdown date!

 

So it is a waiting game again now.

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