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    • Hi, below is a draft of the letter Address: Hugo Martin Director of Legal and Company Secretary EVRi Parcelnet Ltd trading as Evri CAPITOL HOUSE, 1, CAPITOL CLOSE LEEDS LS27 0WH REQUEST OF CONTRACTS      Dear Sir/Madam, I am writing in regards to the ongoing small claims case ____. In your Defendant’s response you make reference to a pre-existing commercial agreement between yourselves and Packlink (2.7). In that, you claim to have a clause removing customers third party rights under the Contract (Rights of Third Parties) Act 1999. I would like to request a copy of this contract and confirmation of the date on which the exclusion of third party rights term was included in it. If you refuse to provide this then I will be henceforth referring to that refusal in the claim, including to the Judge. I also notice that you have destroyed tracking information due to "lapse of time" in line with your data protection policy (2.12). Can you share where this data protection policy is disclosed to customers? I also ask you to forward you a copy of that data protectiono policy, and again if you refuse to provide this then I will be henceforth referring to that refusal in the claim, including to the Judge. Kind regards,
    • Firstly, thank you for filling in the sticky so quickly - we wish everyone who comes here would do that! You're in the clear.  MET don't know who the driver was.  They can use Schedule 4 of the Protection of Freedoms Act 2012 to transfer liability to the keeper if their bilge arrives within 14 days - they didn't send it out till 102 days after!!! So sit on your hands.  MET will come out with threat after threat but ultimately will do nothing. Have a read of other threads for this car park - we are having a tsunami of cases at the moment. Be sure to come back here though if they ever send you a Letter of Claim.  
    • Just received this letter from Lowell.  IMG_1032.pdf
    • I don't think you are misunderstanding. It seems something may have gone missing. HB
    • Hi, Thanks for the reply. The only correspondence I've had from them is attached to the post? Apologies if I'm misunderstanding. 
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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.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      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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mortgagae advice+default


conrat
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Can anyone advise if you have a default can you still obtain a mortgage. I am looking for a 110% mortgage but I think I may have received a default in 2002 (however I have since applied for and been accepted for credit cards). I have also obtained my credit file and there seems to be no marker suggesting I have a default. Will the motgage broker search my last six years of addresses?

 

I am renting at the moment and am desperate to get on the property ladder but am fearing rejection. Do I stand a chance.

 

Any advice would be greatly received.

 

Conrat :-|

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Hi Chris, thanks for that, my only worry is that they were consolodating so they would have had equity to borrow against. As we are first time buyers with no equity and also wanting 110% mortgage it may prove to be a problem. As we stand we have only one credit card with balance of £1000-00 and no other creditors this might also be a problem.

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Have you spoken to an independant mortgage advisor? you could perhaps phone the one in the link. Be totaly honest with them tell them all your concerns and they should be able to advise you much better than me. But my gut instinct tells me that you won't have a problem as a mortgage is a different kind of borrowing than other types of credit. The biggest incentive to keep up repayments is the knowledge that you will lose your home if you don't and they know that. I will say this though it would be better if you could put some kind of deposit down because 100%+ mortgages are generally more expensive.

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Yeah dont we know it. The only way would be to borrow the deposit on a loan and I dont think that might be wise. Will have to weigh up pro' and con's. On a happier note though we went for a mortgage in principle offer from the halifax and the credit check came back top notch. We came back with an A (being the highest you can get)....Very Surprised at that.....now just got to find the £700 per month to pay for the blooming house.:-|

 

Thanks for your advice it gave us the confidence to go and see someone inthe first place.

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http://www.consumeractiongroup.co.uk/forum/financial-products-reviews-write/105735-halifax-mortgage-others-no.html

 

That's realy good news I'm glad I helped a little. just before you decide on what mortgage to choose, and from what lender have a read of this that I found. Better to have as much info as possible before deciding on such a big commitment.

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