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    • Paragraph 18 – you are still talking about Boston stolen items. About time this was fixed??? Paragraph 19  In any event, the claimant's PS5 gaming device was correctly declared and correctly valued. The defendant accepted it for carriage and was even prepared to earn extra money by selling sell insurance in case of its loss or damage. New paragraph 20 – this the defendant routinely sells insurance in respect of "no compensation" items (a secondary contract contrary to section 72 CRA 2015) new paragraph above paragraph 20 – the defendant purports to limit its liability in respect of lost or damaged items. This is contrary to section 57 of the consumer rights act 2015. The defendant offers to extend their liability if their customer purchases an insurance cover for an extra sum of money. This insurance is a secondary contract calculated to exclude or limit their liability for the defendants contractual breaches and is contrary to section 72 of the consumer rights act 2015. New paragraph below paragraph 42 – the defendant merely relies on "standard industry practice" You haven't pointed to the place in your bundle of the Telegraph newspaper extract. You have to jiggle the paragraphs around. Even though I have suggested new paragraph numbers, the order I have suggested is on your existing version 5. You will have to work it out for your next version. Good luck!   Let's see version 6 Separately, would you be kind enough to send me an unredacted to me at our admin email address.
    • i think theres been MORE than amble evidence of that and am astonished that criminal proceedings haven't begun.
    • Yep, those 'requirements' not met to shareholders satisfaction seem to me to be: 1. Not being allowed to increase customer bills by 40% (of which well over 50% of the new total would NOT be investment) 2. 1 plus regulators not agreeing to letting them do 'things in their own time (ie carry on regardless)
    • As already mentioned freely available "credit scores" are fairly useless. All lenders have their own "credit scoring" system, that for obvious reasons they don't divulge. And they're "scored" differently to the freely available ones. As soon as they could, we've always encouraged our two children to use credit cards responsibly... Pay off in full, etc, to generate good history. It's paid off. At quite young ages, they have both obtained loans for cars, mortgage and their credit card limits are through the roof. Personally, I have shifted debt around a lot on credit cards (even financed a house purchase once at 0% 😉) and I've only ever been refused a credit card once, sorry twice by the same company, over many years. They must have something very different in their lending criteria. You're a tight one, Mr Branson.
    • Hi DX - quick question, what is the bank likely to do when they get my letter of change of address ? also what is the worst they can do? thanks J1L
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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.

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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Hire Purchase agreement with 3rd Party Insurance


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I recently decided to hire purchase a car.

The car company allowed me 7 days to drive the car on their insurance, the finance agreement had not be finalised at the sale, but I was expecting a call.

 

Soon as I got home I immediately went online to purchase insurance, the cheapest Comprehensive insurance offer was over £7000!!!

 

I proceeded to purchase 3rd 'party only' insurance for £2500. I returned to the Car company soon after where it was then explained that the finance agreement requires Comprehensive Insurance!!!

 

With the best will in the world, we could not find Comprehensive insurance for less than £7000!!!!

 

I had not yet finalised the finance agreement and was prepared to walk away. The Car Company suggested and faxed the 3rd Party insurance to the finance company in the hope they would accept it no questions asked... They did!!!

 

I got the car, they got paid...

 

Only, when I purchased the insurance I had entered the date when I initially passed my driving test (4 years ago) and not the most recent pass after being revoked. My mistake was corrected by the Insurance company and due to the cost of the policies available, some as high as £10,000! I had no choice but to cancel.

 

I explained the situation to the Car Company and asked them if the Finance agreement is Binding because I didn't have 'Comprehensive insurance' as required.

 

They said that it didn't matter and after 'some negotiation' agreed to Cancel the finance agreement for £1000.

 

I am tempted to pay and end the nightmare, but feel a bit swindled if I do...

 

Confused.really confused!

Edited by Binding????
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Hi Binding????

Welcome to The Consumer Action Group.

 

 

I am just letting you know that as you haven't had any replies to your post yet, it might be better if you post your message again in an appropriate sub-forum. You will get lots of help there.

 

Also take some time to read around the forum and get used to the layout. It is a big forum and takes a lot of getting used to.

 

 

Once you start to find your way, you will soon realise that it is fairly easy to get round and to get the help you need.

 

It can be bit confusing at first.

Please be advised that my time will be limited for the next few weeks.Thanks for your understanding.

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Welcome to the site binding.

Will move your thread for further specific help.

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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Thank you for your Help.

This is my first time posting, I have read some of the other posts and have seen some sound advice...

This is a much more relevant forum Thanks.

 

I didn't mention before that I have returned the car to the Company forecourt. It has been there for 3 Weeks and I am approaching the second finance payment.

 

During this time I have sent a letter to the 'Manager' of the Car company, and recieved no reply. During all conversations the staff have reverted to 'Pay £1000'.

 

I am unsure of my position if I speak directly to the finance company?

 

I would be grateful if someone had any guidance.

 

Thanks

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