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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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Drew v Capital


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I have decided that after reading through a lot of postings and finally plucking up the courage to chase the Halifax for all my fees back over the last 20years or so S.A.R - (Subject Access Request) sent today. hehe :)

 

Now is also the time to chase Capital One also, after all the silent and repeated calls that are received each day sometimes in excess of 8 calls, wouldnt mind only owe then just over £500 and missed a payment or 2 recently.

 

Capital One - Bring it on, god you guys and girls dont half give us the courage and willingness to chase these guys. :-) :-)

 

have drafted my S.A.R - (Subject Access Request) tonight and will be posting it tomorrow.

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Ok Andy, well done. Keep us posted. When you get your list of charges, do a spreadsheet and if you fancy going for Contractual Compounded Interest, let the team know on this thread. We can assist you with that.

 

Good luck

 

Ukaviator

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just thought of a few other things, would appreciate any help or guidance.

 

I have not paid anything on my account for just over a month now and I am going to obviously pursue them for my charges back. would it be worth while asking to see my application and CCA with them at the same time, if so is there a standard letter somewhere to send.

 

Also, i am getting repeated calls from them at present, anything from 2 to 8 or more calls a day, what can i do to stop this. Its causing the family stress as when they answer the phone, most of the time the line goes dead.

 

any help would be welcomed

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Hi Andy

 

You should still make payments as normal to your account. This should stop the calls. You could ask for your application form to check if it's enforcable.

 

Uk

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just another thought from a thicko

 

what exactly can I try and claim back from them, late payment fees, what about payment protection fees, cannot remember evr asking for that, even though they take the money ocassionally

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Hi Andy

 

Payment Protection fees can be claimed back if you believe you have been mis-sold this expensive insurance. Have a look at the PPI thread. You can claim back Late Payment Fees and Overlimit Fees. I would also look at claiming Contractual Compounded Interest as well. Have a look around the threads for advice on that. Use the no.13 spreadsheet in Vamps Chambers. There is a link below. Great that you have them off your back for now over payment. I'm back later if you're stuck.

 

Uk

 

P.S you're not thick . . this can be very stressful for someone not used to taking on a large financial institution.

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There is a box on your agreement, which will be ticked if you asked for it when filling in your application / credit agreement.

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When you send an S.A.R, you put a £10 fee in to cover their costs in getting your paperwork together. Ask for a CCA separately, which costs £1, and you should receive your actual credit agreement. Have a read through the CCA thread on this site.

 

Uk

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just had another thought,

 

i keep reading about accounts being disputed and all this, how do you place your account in dispute

 

also do i send my S.A.R - (Subject Access Request) to

 

Capital One Card Services

PO Box 5283

Nottingham

NG2 3YJ

 

or another address

 

can someone also point me in the direction of obtaining a CCA leter please

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There is'nt one in the templates section. Have a look around the debt forum, i'm sure there are a few there.

 

You should be able to do one yourself from this thread Andy:

 

http://www.consumeractiongroup.co.uk/forum/capital-one/100564-wednesday-capital-one-2.html

 

and here:

 

http://www.consumeractiongroup.co.uk/forum/consumer-forums-website-questions/79147-consumer-credit-act-resources.html

 

Uk

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I have this one, would it do.

 

all I want to do is find out if they have a valid CCA from myself, but i think it may need re-wording or something. I might be right in thinking this is only in case the account is defaulted or being passed to DCA

 

Dear Sir/Madam

 

ACCOUNT NUMBER: xxxx

I DO NOT ACKNOWLEDGE ANY DEBT TO YOUR COMPANY

 

With reference to the above account, I request that you send me a true copy of this credit agreement before I will correspond further on this matter.

 

This is my right under the legislation contained within section 77 (1) and section 78 (1) of the Consumer Credit Act 1974, and I am entitled to receive a copy of my credit agreement on request.

 

Your obligation also extends to providing me with a statement of account. I enclose a £1 postal order, which represents payment of the statutory fee payable under the Consumer Credit Act. I understand that a copy of my credit agreement should be supplied within 12 working days from the date of this letter.

 

I understand that under the Consumer Credit Act, creditors are unable to enforce an agreement if they fail to comply with a request for a copy of the agreement under these sections of the Act.

 

Also, since you are a Debt Collection Agency, I would also ask that you supply a signed true copy of the executed deed of assignment for the above referenced agreement. This is an obligation, whether you are the original creditor or not, under section 189 of the Consumer Credit Act 1974.

 

Non-compliance with my request is a criminal offence under the above Act and will result in a report being submitted to the relevant statutory authorities.

 

In summary, I DO NOT ACKNOWLEDGE THIS DEBT AND THEREFORE REQUIRE YOU TO SUBSTANTIATE THIS BY PROVIDING THE FOLLOWING DOCUMENTATION BEFORE I CORRESPOND FURTHER :

 

1. True copy of original credit agreement

2. Statement of account

3. Copy of the executed deed of assignment from (Creditor) and (DCA)

4. Fair procesing notice.

 

As you are aware, a credit agreement that is not properly documented and signed by the customer is totally unenforceable under the CCA and therefore is a complete defence to any court claim that is issued.

 

Take note at this stage, that any legal action you may contemplate will be both vigorously defended and contested.

 

Further to the above, please ensure that any contact by yourselves is made in writing only to the above address. Telephone calls and personal visits will not be accepted and viewed as harassment.

I look forward to hearing from you within the statutory time limit.

 

Yours faithfully

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Statements received today,

 

blinking quick if you ask me, 3 days

 

what is the best spreadsheet to use on here and i take it I can claim the following

 

Late Payment Fees

Overlimit Fees.

 

anything else, ie interest

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hi andy-wow that was quick

i've just had a settlement figure from crap one-they arent too keen to pay cci but go for it........

 

i claimed late payment fees and over limit fees-dont forget to add returned direct debit/standing order/cheque fees too.

i used s/sheet 13 too.

 

there are many people on here who will guide you.

lloyds S.A.R -sent 04/04/200

statements received 11/05/2007

prelim-14/05/2007 -£4987

lba-30/05/2007

n1-20/07/2007

 

Co-Op prelim sent-20/04/2007-£136.50

settled in full

goldfish prelim-27/06/2007

 

capital one -deemed served -01/07/2007

settlement without cci offered 17/07/2007

halifax prelim-17/07/2007

 

aqua--prelim-13/07/2007

 

welcome-prelim-30/06/2007

lba-14/07/2007

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I have used vamps spreadsheet 13, but not sure of interest rate to charge, looked on my printouts and nothing on them, also logged into site and cannot find anything too.

 

does anyone have any idea on what interest rate to use.

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i think many people use 34.9% which is their typical apr-i called and ask what % they applied to my account-29%and used that.

lloyds S.A.R -sent 04/04/200

statements received 11/05/2007

prelim-14/05/2007 -£4987

lba-30/05/2007

n1-20/07/2007

 

Co-Op prelim sent-20/04/2007-£136.50

settled in full

goldfish prelim-27/06/2007

 

capital one -deemed served -01/07/2007

settlement without cci offered 17/07/2007

halifax prelim-17/07/2007

 

aqua--prelim-13/07/2007

 

welcome-prelim-30/06/2007

lba-14/07/2007

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thanks jubaxt

 

I have based it on 34.9% too

 

just noticed whilst looking through my statements that I have PPI payments too going out off my account.

 

i cannot remember ever asking for it, also am I right in thinking that they should of sent me copies of my application and CCA with my S.A.R. - Subject Access Request

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hey andy, hows it going with capital one? i'm struggling with this aswell.

I have worked out they have charged me £120 worth of charges.. it's the interest bit I'm pretty confused on now... do I try and get more back aswell as me £120 ?

 

what's the link for the site vamps? :confused:

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andy-you have to request your cca seperately-you need to send £1-theres a template letter under debt recovery section

 

 

cat-on main page go into templates then click on interest spreadsheets-at the bottom is a link-you may have to register once in!!!!!!!!!!

lloyds S.A.R -sent 04/04/200

statements received 11/05/2007

prelim-14/05/2007 -£4987

lba-30/05/2007

n1-20/07/2007

 

Co-Op prelim sent-20/04/2007-£136.50

settled in full

goldfish prelim-27/06/2007

 

capital one -deemed served -01/07/2007

settlement without cci offered 17/07/2007

halifax prelim-17/07/2007

 

aqua--prelim-13/07/2007

 

welcome-prelim-30/06/2007

lba-14/07/2007

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