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Parcel delivery insurance is prohibited under section 57 – Consumer Rights Act – Read about It Here and in The Times. ×


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      Hello,

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    • Post in Suing a parcel delivery company when you don't have a direct contract with them – third-party rights Copy of judgment available

      BankFodder posted a post in a topic,

      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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Parcel delivery insurance is prohibited under section 57 – Consumer Rights Act – Read about It Here and in The Times.

RBS becoming "inventive" with your documents?

BankFodder

By BankFodder
in Royal Bank of Scotland

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Dipply75

Dipply75

Posted
Posted

Sadly No, although they think I did :D

 

My ace sony ericcson phone records conversations, its this I usually use but discovered the other day it aint waterproof *sigh*, so am slighly unarmed at the moment.

 

The timing is unreal.:mad:

Dipply75

 

I am in no way a legal advisor and only speak from my own experiences and the helpful advice of those in the same boat! :p

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Sparkie1723

Sparkie1723

Posted
Posted (edited)

Hi Dipply ,........Looks like you are another one who has joined the very special RBS Club with regard to SAR's you will have to SAR both Banks RBS to Edinburgh and Nat West to Bishopsgate London, please state quite clearly and precisely that you will expect full details of any Router Account that has been allocated to you and/or any of your accounts......this is most important. If your account was sent for recovery action it went to CMS....and if it went there you have a Router Account.

 

One of the statements made by Mr Dickenson the vice chairman of the RBS group with regard Router Accounts ....is that they are to prevent one customer being confused/mixed up with another customer of the same name ....interesting that you have been mixed up with someone else....especially at Telford!!!:cool:;):rolleyes::D

 

Myself and Paul Walton have collected 10 to 12 different explanations of what a Router Account is and what their purpose are.........we have our own explanation and to what use these Routers are put and how they are used.

sparkie

 

sparkie

Edited by Sparkie1723
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Dipply75

Dipply75

Posted
Posted
Hi Dipply ,........Looks like you are another one who has joined the very special RBS Club with regard to SAR's you will have to SAR both Banks RBS to Edinburgh and Nat West to Bishopsgate London, please state quite clearly and precisely that you will expect full details of any Router Account that has been allocated to you and/or any of your accounts......this is most important. If your account was sent for recovery action it went to CMS....and if it went there you have a Router Account.

 

One of the statements made by Mr Dickenson the vice chairman of the RBS group with regard Router Accounts ....is that they are to prevent one customer being confused/mixed up with another customer of the same name ....interesting that you have been mixed up with someone else....especially at Telford!!!:cool:;):rolleyes::D

 

Myself and Paul Walton have collected 10 to 12 different explanations of what a Router Account is and what their purpose are.........we have our own explanation and to what use these Routers are put and how they are used.

sparkie

 

sparkie

 

:eek::eek::eek: wow, thanks for the info sparkie, will start a thread and get the SAR's off asap. Need to sort my parachute a/c 2moro in case.

 

After the way that little nomark spoke to me today, I will be like a dog with a bone on this :evil:

 

Some very creative accounting going on methinks :cool:

Dipply75

 

I am in no way a legal advisor and only speak from my own experiences and the helpful advice of those in the same boat! :p

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Dipply75

Dipply75

Posted
Posted
Dipply as a long standing member of CAG please tell me you recorded them

 

I was well annoyed at missing such a prime opportunity, so I thought we'd have round 2, and let me tell you, they really don't know when to shut up do they lol :D

 

Got them recorded clearly threatening me and telling me that is the DN sent that they have (apparently) mixed up withe someone else details is valid - refused to check the details to be sure and told me that because the cheeky advisor before put a note in to say it is valid....it is valid. (same guy who initially told me to shred it)

 

She THEN checked the details, CONFIRMED they were someone elses but said the DN is still valid, will stand and they will continue with the default procedure against me regardless!

 

All recorded :D

 

Threaten me RBS and I'm gonna have kick your backside for a THIRD time....am gonna hound you - and yes, thems fightin words :p

Dipply75

 

I am in no way a legal advisor and only speak from my own experiences and the helpful advice of those in the same boat! :p

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Dipply75

Dipply75

Posted
Posted
Dipply do tell me you told the silly cow at the end you had recorded her & if so what was her reaction --- I love to gloat:D

 

pmsl, you sadist :p

 

When I told her I recorded the whole 'farcical' conversation she went a bit quiet then gave me a very snotty but defeated "FINE then, I am terminating this call now". hehe

 

Also (by accident) managed to record the very chap that did the dodgy default telling me they would issue a new one but still default me. I asked if they were using that as a punishment as a default is a precursor to action - which they know they cannot take and he said " we are allowed to default you, we just can't take you to court." I told him to prove I agreed to be defaulted as a possible action if I did not pay, and he said its in their T&C's - the ones they cannot supply....he couldn't answer - all going to the FOS etc.

 

Anyway, the point of posting was just to say my SAR's to RBS and NAtwest going off today as Sparkie advised, and my thread on this is now at:

 

http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/207374-rbs-defaulting-me-no.html#post2262928

 

Thanks guys ;)

Dipply75

 

I am in no way a legal advisor and only speak from my own experiences and the helpful advice of those in the same boat! :p

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Enron

Enron

Posted
Posted
There are rumours now that certain creditors are not only recreating but copying and pasting sigs.

 

Are you able to post up what you've recieved.

 

PW

 

Dont tell me that a well known bank might be adopting the practices of some gutter DCAs.

 

If thats the case said bank could be in for some very bad PR. But then again its all about adding value to the bottom line, even though some would say that copy and pasting signatures is fraudulent.

Advice offered by ENRON is without prejudice and is for your judgement as to whether to take it. You should seek the assistance or hire of a solicitor or other paid professional if in doubt.

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Dipply75

Dipply75

Posted
Posted

Moe evidence something dodgy is going on. RBS playing game so printing off as much info as poss and noticed this:

 

My loan was listed as unsecured fixed periodic rate, their default notice states this also. Now they it is listed on my online banking as Capital plus interest? Where have I heard that before lol

 

Hmmm:confused:

Dipply75

 

I am in no way a legal advisor and only speak from my own experiences and the helpful advice of those in the same boat! :p

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paulwlton

paulwlton

Posted
Posted
Moe evidence something dodgy is going on. RBS playing game so printing off as much info as poss and noticed this:

 

My loan was listed as unsecured fixed periodic rate, their default notice states this also. Now they it is listed on my online banking as Capital plus interest? Where have I heard that before lol

 

Hmmm:confused:

 

Have you made SAR.

An appeaser is one who feeds a crocodile, hoping it will eat him last. <br />

Winston Churchill

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Dipply75

Dipply75

Posted
Posted (edited)

AS sparkie advised, both to Natwest and RBS ;)

 

Need to get proof together, this may still just be very poor and innacurate paperwork, I mean everything they've sent so far has been a pile of poo. But there are just too many wee coincidences cropping up

Edited by Dipply75

Dipply75

 

I am in no way a legal advisor and only speak from my own experiences and the helpful advice of those in the same boat! :p

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rickyd

rickyd

Posted
Posted

the change of description means nothing, it'll still be a "fixed rate unsecured loan" and will always have been capital and interest, unless it features a balloon payment at the end. The "periodic" just means paid by instalments.

 

The FSA forced this change of description through this year. Same destination, different route that's all.

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Dipply75

Dipply75

Posted
Posted
Has anyone had a very interesting thread link from someone in the Netherlands reagarding RBS & another?

 

 

Yes, I have too.Hmmmmmm

Dipply75

 

I am in no way a legal advisor and only speak from my own experiences and the helpful advice of those in the same boat! :p

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Dipply75

Dipply75

Posted
Posted

Strange, I had a pending friend request from this person and I checked their recent posts - all about this business of RBS in the Netherlands........but I have just checked again and all posts removed :confused:

Dipply75

 

I am in no way a legal advisor and only speak from my own experiences and the helpful advice of those in the same boat! :p

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rickyd

rickyd

Posted
Posted (edited)

careful guys, I think he may be fishing for info, I had one too. Can't quite see the connection, different country, different subsidiary of RBS (no longer has a link into santander), totally different judicial system, regulatory regime, rules and complaints authority.

 

Don't see how anything over there has a bearing on what's happening over here. Remember RBS lost £40M with the Madoff scandal, does this mean we should now be looking at US cases too?

Edited by rickyd
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paulwlton

paulwlton

Posted
Posted
Recreating a customer's signature!!!!

 

 

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?316796-Expert-believes-customer-s-signature-was-

forged!!!&p=3525303#post3525303

 

http://www.guardian.co.uk/money/2011/dec/09/natwest-admits-signature-forgery

An appeaser is one who feeds a crocodile, hoping it will eat him last. <br />

Winston Churchill

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