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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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      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.

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      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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charges claim - just about to issue


Guest Alison82
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Guest Alison82

Update………..

 

I submitted my claim Halifax offered a refund a few day before they were due to file their defence; no mention of removal of the default! I wrote back to Helen Rawnsley and told her that I would not accept this unless they include removal of the default. No reply as it was 2 days a go so I rang them and was told that they will refund the charges but are defending the default!! How does this work out!! The default only happed because of their charges!! HELP

 

I know they are probably bluffing but can they do that (defend part of the claim and ignore the rest)? What if they put the money in my account it makes it look like if I have accepted it and how will I fill out the allocation questionnaire if they are just defending the default.

 

I wrote to Experian to get it removed that end (explained about the penalty charges) they wrote to Halifax, Halifax said it was correct and that was that!! So Exprian won’t remove it, it seems all they have to say is yes it is correct even if it is not!

 

HELP I AM REALLY STUCK AND ANNOYED!!

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personally I'd of started proceedings long ago, I think almost 7 months is more than enough time to give them. I'm pretty sure that they've also acted against the banking code issuing a default against you on money that you clearly stated was in dispute so when you issue proceedings state this asking for compensation at the judges discrestion

Rbs £114 + contractual at 29.84% I won total=£125 no laughing it's a win

Don't moan about it DO SOMETHING ABOUT IT :D

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Guest Alison82

I did start it a while ago but they asked me to put it on hold for 28 days at one point which I did as it was quite a complex case (not just charges), I know what you mean though it has takedn FAR TOO LONG! (not shouting at you, shouting at them!!) Yean it's all very well quoting that but they just ignore it!! and so will the IC but enough is enough letter bing sent to th IC tommorrow!!

 

Any advice what to do with the claim though.

 

ps: Their defence dealine was up yesterday

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Guest Alison82

I have submitted my claim against Halifax for £2,600 approx; they have now refunded me in full but are not willing to remove the default which was due to these charges. They have submitted the defence and stated that they have given me a refund and say the default was not because of he charges it was a true reflection of how my account was run, How can this be! If they had applied true pre estimated penalty charges (i.e. £2) then I could have paid them off and their would have been no need to issue me with a default notice and enter the default! Instead they charges me over £1,500 and removed my O/D! At the time I was working just one day a week (after finshjing uni and looking for a job) earning just £245 and they sould see this as I used that same account; this works out to be 9 times my salary that they were demanding!

 

I wrote to them the day after they wrote to me and said that I am not willing to accept the refund unless they remove the default but this must have crossed in the post as the deposited the money and submitted the defence.

 

I am going to submit my allocation questionnaire with the cheque as normal by the 13th August along with a statement from me (a copy of questionnaire to Halifax but not the statement).

 

Can they justify this, where do I stand? Are they just seeing how far they can push me or is this something else?

 

 

Thanks :)

 

This is my main thread, sorry for starting another one

http://www.consumeractiongroup.co.uk/forum/halifax-bank/134-1-600-default-halifax.html

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I would take this to the Finanancial Ombudsman service. They have a website that will give you all the details of how to make your complaint.

17/5/06 - Halifax -preliminary letter sent

31/5/06 - Halifax - LBA sent

15/6/06 - claim filed

6/7/06 - SETTLED IN FULL £3,306 + £859.95 interest

13/7/06 - Abbey Credit Card - Data Protection Act letter

10/8/06 - Abbey CC Rec £150 gwj £192 oust.

13/8/06 - Abbey CC - prelim letter sent

28/8/06 - Abbey CC - LBA

18/9/06 - Abbey CC - Settled in full - £200 paid

 

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Guest Alison82

I orginally done a DPA request, but they did send me a default notice but regardless; the default was due to the charges! What would a s.10 request do? And is the Finanancial Ombudsman likely to do anything? Should I let it go all the way to court; this seems really 'unfair', why should I be stung for 6 years because of their dishonstey!!

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I'm assuming your s.10 request was included in your prelim letter, although as this issue is already at court stage it is pointless doing another.

 

Was the payment made as an offer to settle dependant upon you not pursuing the default issue or was it a partial acceptance of the court claim?

 

Either way you are entitled to keep the money either as partial settlement of your claim or in satisfaction of part of the claim. If it was an offer of partial settlement, however, be prepared for them to take it back on receipt of your letter.

 

Have they actually submitted the defence with the court or was that just stated in the letter they sent you?

 

The Financial Ombudsman can investigate them and fine them - but they can not provide a remedy for you.

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Guest Alison82

Hi, they offered to settle for the full amount but did not mention anything about the default in their letter which is why I wrote back to them saying that I was not prepared to inform the courts of a settlement until they removed the default as well, I did not say that I wasn’t going to accept the money.

 

They made the settlement before they received my letter as it must have reached them the day or the day before their defence was due. They have submitted a defence to the courts to defend the removal of the default.

 

Ok, so I’ll inform the IC, and continue as normal with my claim, do you think they have grounds to leave it on my file?

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You did the right thing in your letter, but still be prepared that they might remove the money just in case. Although if they have only defended the removal of the default it seems they are accepting liability to repay charges.

 

I can't comment on your particular case- although it seems the crucial question in these cases is whether the charges were levied before or after the default.

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Hi there

i am new to this but just read your thread and wondered what reply you got from the halifax after you sent prelim, i have just sent this and got a reply saying they will look into it and get back to me within the next 4 weeks, should i just send the LBA letter or wait the 4weeks and then send it?? what did you do?

 

thanks for any advice

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Guest Alison82

In their defence that stated that they have refunded me the full amount (interest plus costs) I don’t think they are likely to withdraw it but I shall take it out incase.

 

My account was fine in October until some cheques bounced then week after week that added more and more charges sometimes as much as £117 a day, finally in January the sent me a default notice for £1,700. One of the managers (Peter Lane) said I could pay £700 and then pay the rest of month by month I tried to raise this but couldn’t which is when I discovered that bank charges were unlawful. I sent my DPA request and told then the fact that these charges were unlawful and quoted section 13.6 of the B.C on February 2nd (I know), they then issued the default on the 6th February.

 

Now I have never had a default notice from them in the past and it was only because their charges were so high and frequent that I could not afford to pay.

 

I know 100% that if they did not add £1,700 worth of charges and remove my £500 overdraft over those 3 months (when they could see and I told them that I was only working one day a week) then my account would not have been defaulted!

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Guest Alison82
Hi there

i am new to this but just read your thread and wondered what reply you got from the halifax after you sent prelim, i have just sent this and got a reply saying they will look into it and get back to me within the next 4 weeks, should i just send the LBA letter or wait the 4weeks and then send it?? what did you do?

 

thanks for any advice

 

Hi they fobbed my off big time! asked me to wait 28 day whilst they thought about it and stupid me I did; that’s why this has dragged on so long plus then running over the DPA deadline. All I can say is, stick to YOUR time table, keep it short and sharp and don’t believe a word they say.

 

Good Luck

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It seems to me completely unfair the way they have treated you and that the default was caused by their charges (opinion only). Also (again only opinion) the chances of them actually defending this are slim. If they do not defend where the have to pay out thousands in money whats the chances of them actually turning up and paying to defend the removal of a default which has very little or no impact on their business?

 

Best of luck with this

 

Zoot

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I still feel it would worth a try at taking it to the Financial Ombudsman Service. If you put your case to them and they agree that you have a just complaint they may advise Halifax to withdraw the default. What is their to lose?

17/5/06 - Halifax -preliminary letter sent

31/5/06 - Halifax - LBA sent

15/6/06 - claim filed

6/7/06 - SETTLED IN FULL £3,306 + £859.95 interest

13/7/06 - Abbey Credit Card - Data Protection Act letter

10/8/06 - Abbey CC Rec £150 gwj £192 oust.

13/8/06 - Abbey CC - prelim letter sent

28/8/06 - Abbey CC - LBA

18/9/06 - Abbey CC - Settled in full - £200 paid

 

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Guest Alison82

Yes I will do this, I hope they get a fine!

Does anyone have a template that I can modify?

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  • 1 month later...
Guest Alison82

Brief outline, charges loads by Halifax, they gave me a time limit of when to pay it otherwise they would default me, found out about ‘bank changes’ just before the deadline did not pay and started the process instead. Now a good few months on I filed my claim, Halifax have refunded over £2000 (£1500 hadn’t actually been paid by me so it was voided off my account). In my claim I included the full removal of this default as it was directly a result of the charges. Halifax refunded the money but refused to remove the default saying it was not due to the charges?!

 

I received a letter the other day from the courts to say

 

The District Judge said the following:

 

“Advise the claimant that her claim is for a monetary sum and if that sum has been paid there is now no claim to pursue”

 

 

What should I do now, I followed the rules, and I included it in my claim and gave a brief out line of how the situation began.

 

 

I can’t allow this default to stay on my file foe 6 years due to Halifax’s greediness, their reason of issuing the refund was that it would be too expensive foe them to defend; then surely this would be the same?

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Guest Alison82

Yes I will have to find it again as this was a few months ago, but I definetly included the default removal as part of my claim.

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Alison I've merged your threads as it is difficult to see the full history otherwise. I don't know if I've done all the relevant bits though as you had 29 threads so it is almost impossible to see which thread relates to which.

 

I can't see a claim number through any of your posts, or a mention of which court. We really need to know what your Particulars of Claim said in full, and which court you sumbitted your claim through.

Opinions given herein are made informally by myself as a lay-person in good faith based on personal experience. For legal advice you must always consult a registered and insured lawyer.

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