Jump to content


  • Tweets

  • Posts

    • Thank you for that i thought id just ask as i was unsure.  Just hope its returned to me and doesnt spend the rest of its life going back and forth to Singapore  
    • Thanks @lolerz. I've attached it to the post. What do you think? What's the organ grinder? NTK.pdf
    • I'm afraid that if the value of the item was under declared then that is probably the best that you can hope for. Also, because the item was incorrectly addressed – even by a single letter, if that because the issue relating to the delivery then that has probably compounded the problem. There is probably very little that can be done. If you are lucky you will get the item back and then you can start again and declare it properly. Undervaluing parcels which are sent by any means is always going to cause a problem if the item is lost or damaged. It may mean that the cost of delivery is slightly less – but at the end of the day the risk becomes yours. When you enter into any kind of contract, effectively you declare it a level of risk to your contracting partner – and they decide to enter into the contract with you based on that level of risk. You have declared a level of risk and £50 – and that's the deal.   Additionally, undervaluing an item which is an internationally has the effect also of evading customs and any VAT system which is in force in that country – and that makes the whole thing a little bit more serious
    • Perfect. Nice and brief and to the point. You don't bother to start telling your life story. Just the way it should be. Send it off. You have probably done enough reading to understand that it won't make any difference don't start drafting your particulars of claim. Open an account with the MoneyClaim County Court system and start preparing. Post your particulars of claim here before you click it off. You may have noticed that at some point you will be asked if you want to go to mediation on this. We used to advise it but now we recommend that you decline mediation and go to trial. Your chances of success are much better than 95%. Going to trial will incur an additional hearing fee but of course you will get that back. However if you go to mediation, they will simply try to penny pinch and to get you to compromise and also they will sign you up to a confidentiality agreement and probably threaten you if you breach it. Not only that, if the mediation fails because you stand your ground, it will add additional delay while they then give you a date to go to trial. The best thing to do is to decline mediation – prepare for court hearing. Pay the extra fee. The chances are that rather than get a judgement against them they will then offer you a full settlement rather than go to court. If they do offer you full settlement then you will be obliged to accept it – but that's what you want. If they don't offer you full settlement then you will go to trial and there will be a judgement against them. Just so that you understand, our first interest is that you get your money back – but a close second is that it does go to trial and there is a judgement which we will then be able to use to help other people. Anyway as you should realise, we will help you all the way.
    • I sent a parcel to Singapore but i spelt the address incorrecltly by 1 letter so the parcel couldnt be delivered and was returned back to the Uk but checking the tracking today the parcel had returned to the UK but is somehow on its way back to Singapore as the tracking says "Item leaving the UK"    Ive spoken ( tweeted) Royal Mail help who confirm that the parcel seems to be going back to Singapore and that if its not " Delivered" by the 29th of April theyll deem it as lost and will accept a claim but i cant remeber when booking what the compensation amount was but i dont think it covers the amount of the item.  As it was my fault that it wasnt delivered in the first place can i trey and claim the full amount back ? i think if i remember correctly it was £50 compensation but the item was £170 So the timeline is thus ...   22nd Of March .    Booked via P2G & dropped off a Post Office.  25th March arrives in Singapore and goes through customs ect ect 26th   Incorrect address and item is flagged as "return to sender" 28th Item leaves Overseas intenational processing centre 15th of April , Item is leaving the Uk (Again)   ?    
  • Recommended Topics

  • Our picks

    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • 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.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 161 replies
    • 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
        • Like
  • Recommended Topics

Creation Finance and Insurance Company taking unauthorised payments from bank a/c


Markrowe
style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 4355 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

I have recently recieved an invitation to renew my car insurance with Oncalldirect, in the invitation it said that I would have a set monthly payment for 3 years. I contacted Onecalldirect to say I didn`t want to be tied into a 3 year contract but they assured me that at the end of each 12 months I would be free to shop around and take insurance with someone else if I wished. I accepted this but when I got home from work that evening I found a letter from a finance company regarding the car insurance, it was for a 36 month contract and instructed me to sign and return. I decided to do nothing, didn`t sign and didn`t return it. I phoned Oncalldirect the next day but couldn`t get through on the phone so emailed them to say I wouldn`t be renewing my inusurnce with them and that I had found another provider, I recieved an acknowledgement from them and so thought no more about it.

That was about a month ago, I got home from work 2 days ago to find a letter from the finance company stating that I was in arrears with the finance and that I had 7 days to pay. I phoned them to ask why they had set up a finance agreement in my name without my authority. I was told that Oncalldirect had set it up in my name and was told I had to contact them. I then phoned them to ask what was going on and was told that I should have spoken to them on the phone to let them know I wasn`t renewing my car insurance with them and not by email, I explained the problem that I had had getting through on the phone which was why I emailed. They said that wasn`t a good enough reason but because I was still within the 14 day cooling off period that I would be able to cancel and that it would cost me £45.50

I argued my point and said there`s no way i`ll pay because I had let them know I wouldn`t be renewing.

I got home from work again to find a letter saying that Oncalldirect had taken a debit card payment from my bank account on behalf of Creations Finance for the £45.50 and instructed me to set up a direct debit for future payments.

I didn`t authorise that payment, Oncalldirect had my card details from my initial deposit made 12 months ago and used it to take this £45.50 without my knowledge.

Are they allowed to do this.

Sorry its long winded

Link to post
Share on other sites

Well, first youre in the wrong forum. 2nd, if you have the original email copy or you did indeed notify in advance that you wouldnt renew, then its theft. Plain and simple. They cant demand you call them by phone, especially when you contacted by email and you recieved a full acknowledgement.

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

Link to post
Share on other sites

Hi and welcome to CAG

 

I've moved your post to thread of its own into the insurance company forum.

 

The guys will be happy to advise as soon as they are available

 

ims

 

Link to post
Share on other sites

I've flagged your post for an admin to move it. Theyll send you a private message letting you know where it got moved to.

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

Link to post
Share on other sites

Thread moved to Creation forum given new information.

 

Creation appear to be dibbing in to bank account without authorisation.

 

Have also changed the thread title slightly to reflect the position

 

Link to post
Share on other sites

  • 4 weeks later...

These people are [EDIT] ,I get home at 5:30pm and thats when they close, the guy I spoke to couldn't help me, couldn't help but notice the smile in his voice. Had enough of this country when it comes to money we get screwed over by the government and companies. Where are the people and organisation who are suppose to protect us? Octagon supposedly sent me a letter about a missed payment I didn't get it, but got one which informed me Creation are cancelling my car insurance policy and I am being charge around £235 but then the debt collection people say its £288 and thats come from Creation. I feel so frustrated.

Link to post
Share on other sites

These people are [EDIT] ,I get home at 5:30pm and thats when they close, the guy I spoke to couldn't help me, couldn't help but notice the smile in his voice. Had enough of this country when it comes to money we get screwed over by the government and companies. Where are the people and organisation who are suppose to protect us? Octagon supposedly sent me a letter about a missed payment I didn't get it, but got one which informed me Creation are cancelling my car insurance policy and I am being charge around £235 but then the debt collection people say its £288 and thats come from Creation. I feel so frustrated.

 

Probably best to start your own thread

 

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...