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    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

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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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loan refinance horror


kokobhu
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Hello guys.

 

 

I need some advise on a loan I took out in September 2012.

 

 

The was from a Credit union for £2,000.

 

 

The terms of payment for the loan was very excruciating at £190.00 per month.

 

 

When I enquired I was told it was because of my citizenship but luckily my British citizenship was already in the pipeline

so when it came through a month later I approach them for a lower repayment rate which they agreed to at £70 per month @ 26 months.

 

By the time of refinancing the loan was already down to 1382.03 and

according to the new refinancing terms the total payment will be £1782.03 to be completed by January 2015.

 

 

I have paid from from January 2013 till present making altogether 24 payments of £1680 leaving £102.03 to pay.

 

 

So you can understand my absolute incredulity when I requested for an update on the account

and I was informed that the loan will not as initially mentioned end in January but in June!

the person in charge then said it was a mistake they made in their calculations.

 

 

But by my calculations and statements I don’t see why I should still be paying till June 2015,

it really beats me as to why and neither can they give me any cogent explanation to explain.

 

 

Any advice please as to how to resolve this?

Will be most appreciated..

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Did you count any interest? Was the interest included in the initial amount?

 

In any case you are fully entitled to a itemised breakdown of the lian and any arrears owing.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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Thanks for your response. Yes I was provided one but i can't understand it anyway. I took the loan on the terms stated in the contract/agreement (attached herewith). To the best of my understanding its all included in any payment. i have included here copies of the statement and agreement, just incase I am missing something...

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Can you convert to PDF and edit out personal info and reference numbers. The breakdown I mean.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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Looks like they're saying the base amount then 1700 after interest etc

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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Thanks once again for your response.

 

 

I am afraid that is not what they were saying ( pls check out pdf attached)

the refinanced base figure on the contract is £1382. 03 plus another £400

which I assumed is the interest on top of which as stated on the contract

bring it to 1782.03 to be paid in 26 installments of £70 pm which I have been doing.

 

To date I have paid £1680 which is 24 payments.

leaving just one more payment in January and the 32.03 mentioned in the agreement.

 

 

Paying till June at £70 a month means that the agreement is not 26 payments as stated in black and white on the agreement

and the figure is no longer 1782.03 any more but £2162.00. This is what beats me.

 

The outworking of the agreement as suggested presently as declared by LCCU no longer bears any resemblance to the terms and conditions

under which we agreed.

 

 

I have attached the agreement and its terms and conditions in pdf for your perusal.

 

I am not sure how to go about resolving this..

I will be very grateful for any direction and advice in this matter.

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