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    • Oh I see! thats confusing, for some reason the terms and conditions that Evri posted in that threads witness statement are slightly different than the t&cs on packlinks website. Their one says enter into a contract with the transport agency, but the website one says enter into a contract with paclink. via website: (c) Each User will enter into a contract with Packlink for the delivery of its Goods through the chosen Transport Agency. via evri witness statement in that thread: (c) Each User shall then enter into its own contract with the chosen Transport Agency. Packlink does not have any control over, and disclaims all liability that may arise in contracts between a User and a Transport Agency I read your post at #251, so I should use the second one (and changing the screenshot in the court bundle), since I am saying I have a contract with Evri? Is that correct EDIT: Oh I understand the rest of your conversation. you're saying if I was to do this i would have to fully adjust my ws to use the consumer rights act instead of rights of third parties. In that case should I just edit the terms and stick with the third parties plan?. And potentially if needed just bring up the CRA in the hearing, as you guys did in that thread  
    • First, those are the wrong terms,  read posts 240-250 of the thread ive linked to Second donough v stevenson should be more expanded. You should make refernece to the three fold duty of care test as well. Use below as guidance: The Defendant failed its duty of care to the Claimant. As found in Donoghue v Stevenson negligence is distinct and separate to any breach of contract. Furthermore, as held in the same case there need not be a contract between the Claimant and the Defendant for a duty to be established, which in the case of the Claimant on this occasion is the Defendant’s duty of care to the Claimant’s parcel whilst it is in their possession. By losing the Claimant’s parcel the Defendant has acted negligently and breached this duty of care. As such the Claimant avers that even if it is found that the Defendant not be liable in other ways, by means of breach of contract, should the court find there is no contract between Claimant and Defendant, the Claimant would still have rise to a claim on the grounds of the Defendant’s negligence and breach of duty of care to his parcel whilst it was in the Defendant’s possession, as there need not be a contract to give rise to a claim for breach of duty of care.  The court’s attention is further drawn to Caparo Industries plc v Dickman (1990), 2 AC 605 in which a three fold test was used to determine if a duty of care existed. The test required that: (i) Harm must be a reasonably foreseeable result of the defendant’s conduct; (ii) A relationship of proximity must exist and (iii) It must be fair, just and reasonable to impose liability.  
    • Thank you. here's the changes I made 1) removed indexed statement of truth 2) added donough v Stevenson in paragraph 40, just under the Supply of Goods and Services Act 1982 paragraph about reasonable care and skill. i'm assuming this is a good place for it? 3) reworded paragraph 16 (now paragraph 12), and moved the t&cs paragraphs below it then. unless I understood you wrong it seems to fit well. or did you want me to remove the t&cs paragraphs entirely? attached is the updated draft, and thanks again for the help. WS and court bundle-1 fourth draft redacted.pdf
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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.

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      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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How much is my PPI really costing?


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Hi,

 

Apologies for not being able to work out the calculations but could someone please tell me the total cost of the PPI on my loan as I believe a single payment makes it more complex?

 

The details are as follows:-

 

Amount of credit - £30,000

Protected Payment Premium - £4,500

Total amount of credit - £34,500

Monthly variable rate of interest - .639%

Anticipated monthly payments - 276

Minimum monthly repayment - £266.37

 

A minimum would be a good starting point as I realise the rate is variable (out of interest I am now paying £314.85 a month).

 

Many thanks for your help in advance.

 

Chris

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Hi Chris

 

As a very rough calculation and based on 276 payments of £267 its about £9600. Additionally again based on the above your going to be repaying a minimum of £73000 on a £30000 loan; with the way interest rates are going this can only increase.

If there is any way you can afford to pay more in order to reduce the loan period I would seriously consider refinancing without PPI over a shorter timescale. If you believe you really need PPI it can be obtained much cheaper if obtained separately from an independent source

 

skb

Victory over Lloyds £890

Click!

Victory over Vodafone: default removal

click!

Victory over Lloyds PPI claim £2606 click!

Barclaycard lazygoing - £580 + £398 contractual int at 17.7 % click! (Received partial payment £110 21/11/06)

The GF's battle against RBS click! stayed awaiting the end of the world

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Thanks SKB,

 

Its amazing when you add it up like that - I think single payment premiums should be abolished - nothing short of farcical.

 

Moving forward I have just posted my initial letter to GE to cancel/reclaim my PPI for various reasons relating to mis-selling.

 

Fingers crossed.............

 

Thanks once again for your help (how the hell are we supposed to work these things out!!)

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Thanks SKB,

 

Its amazing when you add it up like that - I think single payment premiums should be abolished - nothing short of farcical.

 

Moving forward I have just posted my initial letter to GE to cancel/reclaim my PPI for various reasons relating to mis-selling.

 

Fingers crossed.............

 

Thanks once again for your help (how the hell are we supposed to work these things out!!)

 

Hello,

 

Just found your post and wanted to wish you luck with your claim.

 

The information that you give you on the loan, is there to mis-lead you. People only tend to look at the amount they want to borrow and how much can they afford to pay per month.

 

If they had disclosed the fact that they would be charging you over £40,000 in interest. you may have though twice. In that £40,000 interest there is hidden interest that they applied to the ppi. I do hope that you have gone for that as well and not just the premium, and then asked for contractual interest on top.

If any of my posts are helpful, please feel free to click my scales. All information is given as my opinion only, based on my own personal experiences. I have no legal training, but have educated myself in aspects of consumer legislation. My motto "NEVER GIVE IN, NEVER SURRENDER", THERE IS A WAR ON YOU KNOW

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Thanks Hell,

 

I have only sent the letter today which effectively is claiming the initial amount plus interest. I am sure when I receive the usual fob off letter I can pursue this further.

 

I have successfully claimed £3k bank charges but for some reason this seems a lot different (more confusing, more legalities, less general info on the subject, less coverage etc)??

 

I realise GE seem to be one of the worse culprits so hopefully that will stand me in good stead.

 

I will let you know in around 8 weeks their response!!

 

Thanks again, much appreciated.

 

Chris

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Thanks Hell,

 

I have only sent the letter today which effectively is claiming the initial amount plus interest. I am sure when I receive the usual fob off letter I can pursue this further.

 

I have successfully claimed £3k bank charges but for some reason this seems a lot different (more confusing, more legalities, less general info on the subject, less coverage etc)??

 

I realise GE seem to be one of the worse culprits so hopefully that will stand me in good stead.

 

I will let you know in around 8 weeks their response!!

 

Thanks again, much appreciated.

 

Chris

 

Hello Chris,

 

If you have successfully reclaimed back £3,000 in bank charges you are halfway there with the ppi.

 

It is basically the same process,

 

Get your info SAR

 

Work out the figures (which I agree are very confusing, but you will manage it) As I said previous the interest they charge is hidden in the total charge for credit, and they calculate differently according to the length of the premium. Sometimes I will run for the whole term, sometimes it won't

 

Sent your prelim letter

 

Send your letter before action

 

Complain to the FOS in loan taken out before 2004

 

or Court.

 

They will deny just like the bank charges, but will pay out.

 

There is a programme on tv, on Friday, I think. It is about the mis-selling of ppi, Just watch the flood gates open.

 

The process of reclaiming is still in its infancy, but watch this space, it is about to explode. Many people, not just on this site and being sucessful in reclaiming it back. payment from £72 to over £7,200.

 

So be determined and go for it. and as you mentioned please ask for contractual interest on top. It is money they should never have taken and they deprived you of it.

 

If you need a hand with the figures, I'm not too bad, just give me a shout.

If any of my posts are helpful, please feel free to click my scales. All information is given as my opinion only, based on my own personal experiences. I have no legal training, but have educated myself in aspects of consumer legislation. My motto "NEVER GIVE IN, NEVER SURRENDER", THERE IS A WAR ON YOU KNOW

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Hi

 

i have the same query, but can work out the cost from a formula on another thread. never good at maths!

 

can anyone give a really easy breakdown with all the + - x / etc so that i can attempt again.

 

just in case i still cant get it, my figures are as follows:-

 

Loan approx £48,000 September 04

PPI £24.25pm over 17 years

37 payments made to date

6.5apr at time loan taken out fixed at 5.99% (whatever that means) for 7 years.

 

i dont even know if the ppi is covering me for the whole 7 years or only covering me for 5, no one told me or asked if i wanted the ppi in the first place.

 

doing one for my friend as well same sort of thing.

 

Loan £41,300 over 3000 months (this sounds forever)

PPI £20.65 over the same period???

7.30apr at time of loan (not fixed)

132 payments made to date.

 

 

i think that is everything

 

any assistance appreciated.

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