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    • Include that in your witness statement along with that letter as an exhibit.
    • Yup, well so far they have lied to me about responding to a CCA,  are threatening me with a default notice that they don't have, produced a knocked up version of my NOA, sent me 29 pages of spew for an agreement. No wonder they pay 5 p in the pound for that crap.
    • Paragraph 2. I think there should be further down and also you should make the point that the payment to was made unilaterally and without the imposition of any conditions. Paragraph 3 – this is unnecessary because you are not claiming as an entitled third-party. This worries me because it makes me feel that you haven't fully read around because this is a paragraph which you would include where you were suing EVRi as a beneficial third party because you had actually made your contract with Packlink or some other broker. I think you need to revisit and do some more reading. I'm afraid I have a sense that you have simply copied this from somebody else's witness statement without understanding that it wasn't necessary. Please can you post the amended draft. Other than the suggestions above, it looks okay – but let's see it again for a further appraisal. In terms of the evidence, parties bundle, I think it might be an idea to start off with the correspondence with EVRi and then go onto the other evidence. You will have to amend the index page accordingly. You could shorten this bit. Take 19 is pretty well blank and you may as well miss it out also, there seems to be some repetition of emails and the email chain. I think will be worth going through and getting rid of duplicates if you can. 49 pages is a bit long and it would be a good idea to try and reduce the number. I have a feeling that 50 pages as the County Court limit anyway. The judge will be happier with you if the bundle is smaller. Maybe you could reduce the size of some of the images or messages et cetera. You have got several messages which straddle onto a second page so that things like sign off information and standard confidentiality information become orphans. A bit of manipulation and they could be joined to their parents I think. Page 31 as an example. So is page 19. You may only be up to shorten the whole thing by 56 pages – but I think it would be a good idea. 56 pages is, after all, 10%. If you can do more then so much the better
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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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Welcome Finance - This company needs to be banned.


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Bloddy Hell Andie

 

You Are In A Bad Mood

 

And Yes You Are Correct

 

I Did Not Hang Around For Welcome To Take Me To Court, I Did It My Self,

 

Watch Out For The Bs And Intimidation

Been There, Done That, Got The Tshirt

 

Welcome Pay In The End

 

 

I'm not bothered - the thing is i'm current in my payments and have a genuine dispute so really what can they do.

 

I'm not bothered by them in the slightest - the funny thing is I moved from the address welcome contact me on 3 years ago but still use it as a correspondance address so really what can they do to me - they haven't got my phone number and at the end of the day I couldn't give a sh*t

 

first contact they make I'll call the police citing witness intimidation

 

screw it - not waiting for the PPI court case to bring it all up there I'm gonna start another one citing fraud and misrepresentation at the moment but might throw some other stuff in yet to - got a legal eagle doing the forms now.

 

I'm running a book - who's up for bets that they won't show?

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Its a conspiracy theory I would go with to. They have not released figures have not given the market any information but their share are holding on????????

 

A very big smell is coming from this. All I know about trading is what i have learned this week but common sense tells me its not right, traders should be running for the hills from this one

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Cccs Would Not Be Sending That Info To Welcome

 

Give Welcome A Bell And Demand A Copy Of That Disk With The Part In It That Assertains To You

 

So Welcome Have Addmitted Not Supplying All Data In A Sar Request

 

Shot In Foot Me Thinks

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Andy

 

In Your Poc

 

Demand They Release The Paper Trail Info

 

Welcome-direct Group-norwich Union

 

They Cant Ignore A Court Order

 

Ive Had Five Caggers Go To Court And In The Poc Cited The Insurance Premium Tax,

Welcome Were Ordered To Release Documents,

 

Next Thing Welcome Settled Out Of Court

 

Hoping For You

 

Welcome Do Not Want To Release This Info, Period

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Post - the thing is I already have a solid case about the PPI that is not my concern, the thing that is slowly hacking me off is that I made my complaint citing unenforcable agreement before a lot of people on here and yet they are getting responses (as bullsh*t) as they are and once again Weclome are ignoring me - just like they did with the SAR and all other requests for information.

 

So now I'm going to court for ALL my money back that I have paid them - I'm citing fraud and misrepresentation of the agreement itself - the added interest the payments for bogus insurance and anything else I can think of to throw at them - and Mr Palmer for your information I dare you to turn up this time and try and offer me legal advice - last time you said "next time you sue someone don't use moneyclaim online it's a glorified call centre"

 

Well guess what buddy - you are the next person I'm suing and I'm taking your advice cos this one is so complex and I need lots of paper to write down all your ILLEGAL activity it'll be going straight to the court - so thanks for the advice IDIOT!

 

Maybe because they are currently in court with me they are deciding to go on a go slow but now they won't even take calls from me and apparently the person dealing with my complaint seems to be permanantly on lunch or in meetings (yeah right nottingham!!) - think I might pop round after work and sit on his desk to wait for him to come out of his made up meeting!!

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I only sent off to-day for my CCA so will wait and see if it comes through. However, to-day out the blue I received a Personal Loan Statement, I've never had anything from them before.

 

It's from Sept last year until 15th March this year with payments and capitalisation figures. At the very bottom it states "interest will be calculated at the Rate of Interest on the daily balance outstanding of the Total Amount of Credit and the Acceptance Fee. It will be paid as part of your monthly payments".

 

When my son comes home I will get him to scan it, but does this mean anything?

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Post you are a fountain of knowledge so perhaps you know,

 

on some other threads normally bank loans I see talk of a lot pre april 2007 loans being unenforceable - do you know why this is?

 

What is it about April 2007?

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Sol - you sent yours after me and Welcome still aren't replying to me despite the FOS being involved with mine and as you already know we are in court!

 

My feelings would be hurt but perhaps Mr P knows better than to send me some bulls**t letter so thinks ignorance is his best trick - well it aint cos the courts coming after you - I've checked and I don't have to wait for you to try and take me to court for non-payment I can take you now citing fraud - so guess what Mr P - showdown in Nottingham starting soon - I'm filing again for all my money back - citing fraud and mis-representation!

 

Papers being filed today!!

 

Have a nice day - see you in court if you dare!!

 

(see all told you I was in a bad mood and seen as how they still won't pick up the phone i'm gonna hit them where it hurts)

 

Lol yours must be higher up than mine; I just got a reply from one of the Compliance Officers.

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ok - you're gonna have to break it down like i'm a 5 year old here but I think they have messed up the APR/Interest rate thing (i'm looking in to everything now)

 

If my APR is a certain figure and you go on one of these sites that then calculate what your interest rate should be would the figure on my agreement where it says Rate of Interest be the term the site i'm on when it says Nominal rate of interest??

 

Does that make sense?

 

If not let me try here

 

My welcome agreement says rate of interest is X

The website calculator am using says Nominal rate of interest is X

 

That is the same thing right?

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