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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   
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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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FOS or court, which one to use?


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Hi everyone,

 

Just found this forum previously been using the hbos one.

 

Dilemma should i use the FOS or court summons?

 

I recently got my statements through after months of waiting and i'm due just over 1000!Whilst waiting on my statements, I sent a complaint to the Information commisioners about the bank taking forever to give me my statements, and they suggested using the FOS if i'm going to persue getting my charges back!

 

Has anyone ever gone this route? i'm looking for some advice before i make the next move!!

 

I know i must wait 8 Weeks before i can complain to the FOS. Here's the thing-When i was attempting to get my statements back, a very awkward lady at the bank said i did not need these and she would inform the relevent dept that i was complaining about my charges!This was on the 10th of May (i have all correspondance)!Has she done me a massive favour and i can use this date as the start of the 8 week countdown!

 

Anyone have any thoughts on this or should i go the court route??

Which way is best??

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Hi, Scruff1001.

 

 

If you are going to complain to FOS make sure it's within six months of you receiving the Banks final offer to your claim. If I were you I would go Summary Cause. I've won one Small Claim and one Summary Cause against Bank of Scotland. With the Summary Cause, the forms almost identical to the Small Claim form, but the court will return your forms and you will have to get a Sheriff's Officer to serve your claim on the Bank.(this cost me £15.75, which I claimed back). The court will send you a list of local Sheriff Officers you can use. The only pitfall being, if you were to lose your claim, you could be liable for the Banks costs. This put me off at first , then I though what the hell, and it paid off.

 

 

Regards.

 

 

Scott.

 

 

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Thanks for the replies i'm in two minds about this.

If i do use the FOS can i start my 8 Week countdown as the 10th of May (see first post)? I think i can but would just like someone to confirm?

If not then i mightuse a summary summons.

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if you have correspondance from back then showing you were complaining about charges rather than merely requesting statements then yeah you could

[COLOR=blue][B]Defaultless since 2012 :)[/B][/COLOR][COLOR=green][/COLOR]

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Yeah thats what my complaint is about.

 

My Letter from the bank says (Dated 10th May)..."Thank you for your recent communication with our retail contact centre regarding bank charges on your account. We have started an investigation into the matter you have raised and you will receive a written response within four weeks from a customer relations manager."

 

Then on 1st of June ..."Further to our letter on 10th May 2007. I'm sorry that you have not yet had a full response to your concerns.

We're still investigating your complaint, and you will receive a response from us as soon as possible, but certainly no later than 5th July"

 

The 5th of July is the end of the 8 weeks. So looks like if i don't hear anything by Thurs, i'll be drafting my complaint to the FOS.

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I would imagine so, you're claiming the interest you would have earned on your money had you had it rather than the bank taking it. I don't think you're reclaiming interest you paid.

[COLOR=blue][B]Defaultless since 2012 :)[/B][/COLOR][COLOR=green][/COLOR]

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We were being put of a bit by the FOS on the interest but it would seem that you need to make it very clear that you are after the 8% interest at the very start and keep reminding them on this.

 

We had this problem and the FOS who are now accepting that we want the interest and will try the RBOS for this, so fingers crossed.

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Great i'll add the interest as well then.

Well got a reply from the bank yesterday - they sent me the standard letter that everyone seems to get (We think the charges are fair...you signed teh terms and conditions blah blah).

So now i can get my letter together for the FOS. Do you just use the standard complaints form thats on their website including all relevent correspondance?

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So now i can get my letter together for the FOS. Do you just use the standard complaints form thats on their website including all relevent correspondance?

 

Thats what we used, together with all the paperwork/schedule of interest (using the template) - and make sure you include the interest and state the 8% rate (we hadn't) on those complaint forms so that your claim is clear.

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Hi guys thanks for the advice. Ive now added the 8% interst using the excel template from this site.

Question - There are two lots of interest both at 8% on the spreadsheet. Does anyone know what the second one is for (The one at the bottom of the list of charges)?

 

Any advice would be much appreciated

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Hi guys thanks for the advice. Ive now added the 8% interst using the excel template from this site.

Question - There are two lots of interest both at 8% on the spreadsheet. Does anyone know what the second one is for (The one at the bottom of the list of charges)?

 

Any advice would be much appreciated

 

The first lot of interest is the interest you are charging them for holding your money since the date they took it from your account.

 

The second is the judicial interest, which is interest on the full amount from the date you lodge your claim at court till they pay you back. This is were the daily rate comes from.

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Thanks.

I sent off my FOS form on sat. Only added the first lot and seeing as i'm not going to court the second lot prob doesn't apply to me anyway.

I sent it recorded delivery first class but it doesn't seem to have been delivered yet.

Deary me I hope its not went awol.

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  • 3 weeks later...

No doubt following the announcement of the OFT's test case against all the banks you'll soon get a nice letter from FOS stating they have suspended all investigations to see the outcome of the test case. I turned down an offer of almost £3k recently and I'm wondering if I made a bad mistake doing that :(

[COLOR=blue][B]Defaultless since 2012 :)[/B][/COLOR][COLOR=green][/COLOR]

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I knocked back £1458 as Im due £5000. I was just about to send my claim to FOS but seeing as they aren't investigating anymore whats the point? I suppose it will mean its on their register, Im considering raising an ordinary cause action, anyone know the pro's & cons of doing so?

27th April - Requested Statements

13th May - Received Statements:D

15th May - Preliminary request for £4780 sent.:D

16th May - Royal Mail confirm Letter received.:D

23rd May - Received Letter considering claim. :grin:

30th May - Letter Before Action sent. :D

10th July - Times Up!! FOS claim going in.

16th July - Measly 30% of claim offered as goodwill

17th July - Rejected offer letter sent

25th July - Acknowledgement of Reject Letter received

26th July - Screwed over by the OFT,Banks, FSA & FOS all in one go.:evil:

Never even felt it happen.

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