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    • We tend to square the circle here rather than go along with the general consensus and what the media would have you believe  
    • And incidentally, the fact that you sell things and it's not your main source of income is not so far as I understand it, the legal test of whether or not you are trading.
    • You better start giving us dates when this happened. I understand from what you have posted that this happened several years ago and you have potentially been out of pocket to the tune of £9000 since then. You've been here since 2011 and I really don't understand by at least you didn't come and tell us about it if nothing else. Letting it go for several years has not helped you at all – it has undermined your credibility substantially. Please make sure you have read the stories parcel delivery sub- forum and then give us full details of what has happened. A step-by-step chronology – bullet pointed – dates included. You can be certain that some point they will discover your address and for £9000 I doubt whether they will hang around
    • Thanks all. Confused. But empowered. This forum is a ffffing lifesaver. Why isn’t it advertised for help. 
    • Yes, you are right. My mistake. I wasn't paying attention. If you have sued as a business then you will have to rely on the fact that they are attempting to limit or exclude their liability under the Supply of goods and services act 1982 and that their insistence on paying something in addition to the agreed contract price for the service is unfair and contrary to the unfair contract terms act 1977. Well spotted. At least one of us is on the ball – and it obviously isn't me!
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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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Mackem67 vs Welcome

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Can anyone help me to write a letter rquesting information about loan accounts I have held with Welcome over the last 6 years.

I paid off the last one early towards the end of last year.

I have no paperwork but now realise I was mis-sold the PPI as the salesman told us we would get the loan if we took the PPI!!!


I dont have any account details so really an only provide the date it was paid and names address and DOB.



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  • 2 months later...

Hi again,

I sent SAR to Welcome without account numbers and it was signed for as received on 5th November 07.

However, Ive had absolutely no word from them at all!!

Should I ring them and remind them or just send off another letter??

I since found one of the agreements or art least part of one with some figures on.

We were missold this PPI as we were told we couldnt have finance if we didnt take it.

Its around £2500 !!

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  • 3 weeks later...

I have statements now from Welcome but am unsure of my next step.

They have just printed off plain statements with no credit agreements included.

I did send £10 postal order to them so I expected more than statements printed off the pc.

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