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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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      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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Lloyds Loan PPI Reclaim


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I had a loan with Lloyds in 2000, ended in 2001. I paid it back early and don't think I got anything back on the PPI.

 

I complained to Lloyds about this. They are saying they can't/won't look at anything over 6 years old. It's only just over 6 years since the loan ended.

 

I read on PPI Reclaiming Guide: Free template letters to get £1,000s back on loan insurance... that you can claim back over 6 six years on PPI (I have all the paperwork).

 

Can anyone advise me what the 6 year rule is and why its in place etc? If needs be I can post the letter I got from Lloyds.

------------------------------------------------

HFC, PPI - With FOS

NatWest, Default Removal - In Progress

Intelligent Finance, Default Removal & Charges Claimback - In Progress

HSBC, Default Removal & Charges Claimback - In Progress

Abbey, Bank Charges - In Progress

------------------------------------------------

Lloyds, PPI **WON**

Halifax, Charges - Court Claim **WON** Donation Made To CAG

GE Money, Charges - Court Claim **WON**

GE Money, PPI **WON**

HFC, Charges **WON**

Halifax, PPI - Court Claim **WON**

Vodafone, Default Removal **WON**

------------------------------------------------

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We changed our morgage over to LloydsTSB in 1999, sent the 1st letter to them and like you they said as it was over 6 years since we took out the ppi we were timed out! Have sent the 2nd letter, not giving up on this as they deff mis sold to us!

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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 for the link but I've read this already but I'm unsure how this fits in with me....... It seems to be about bank charges and this is PPI that I'm claiming back. I'm quite confused as to what they are talking about so here is the main part of the letter:

 

Thank you for your letter in which you state following and FSA investigations (I never said this in my letter) you feel you were mis-sold Loan Protection insurace with your loan taken out in December 2000.

The Financial Ombudsman Service guidelines states under section 2.3 Time Limits for referral of complaint to the Financial Ombudsmun Service, DISP 2.3.2 (1) ©:

 

The Ombudsman cannot consider a complaint:

 

More than six years after the even complained of or (if later) more than three years from the date on which he became aware (or ought to reasonably to have become aware) that he had cause for complain, unless he has referred the complaint to the firm or the Ombudsman within that period and has a written acknowledgement or some other record of the complaint having been received.

 

Legal limitation periods apply on contract law and the time limits for the referral of a complaint to the FOS follow these rules. The legal limitation periods have been implemented to avoid the administration expense of examining "stale claims" and to avoid potential injustice to defendants in reviving old wrongs. The length of time that has elapsed since the sale of your insured loan is such that any allegation of a mis-sale made after this time limit would be prejudicial to the firm being able to defend the allegation.

 

The FOS can consider complaints outside the time limts mentioned above when, in his view, the failure to comply with the time limits was as a result of exceptional circumstances.

 

I do not believe that the recent FSA and OFT investigations that you mention (I never mentioned this at all in my letter) would be considered to be exceptional circumstances and I am therefore sorry to confirm that you complaint is, in my opinion, outside the jurisdiction of the FOS.

 

The letter goes on but this is the main part..........

 

It seems like a standard letter but I'm unsure how to reply!

 

Can anyone help me please?

------------------------------------------------

HFC, PPI - With FOS

NatWest, Default Removal - In Progress

Intelligent Finance, Default Removal & Charges Claimback - In Progress

HSBC, Default Removal & Charges Claimback - In Progress

Abbey, Bank Charges - In Progress

------------------------------------------------

Lloyds, PPI **WON**

Halifax, Charges - Court Claim **WON** Donation Made To CAG

GE Money, Charges - Court Claim **WON**

GE Money, PPI **WON**

HFC, Charges **WON**

Halifax, PPI - Court Claim **WON**

Vodafone, Default Removal **WON**

------------------------------------------------

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Thanks for the link but I've read this already but I'm unsure how this fits in with me....... It seems to be about bank charges and this is PPI that I'm claiming back. I'm quite confused as to what they are talking about so here is the main part of the letter:

 

Thank you for your letter in which you state following and FSA investigations (I never said this in my letter) you feel you were mis-sold Loan Protection insurace with your loan taken out in December 2000.

The Financial Ombudsman Service guidelines states under section 2.3 Time Limits for referral of complaint to the Financial Ombudsmun Service, DISP 2.3.2 (1) ©:

 

The Ombudsman cannot consider a complaint:

 

More than six years after the even complained of or (if later) more than three years from the date on which he became aware (or ought to reasonably to have become aware) that he had cause for complain, unless he has referred the complaint to the firm You write to them and tell them that you are aware and want it back or the Ombudsman within that period and has a written acknowledgement or some other record of the complaint having been received. Are they not stating this to you

 

Legal limitation periods apply on contract law and the time limits for the referral of a complaint to the FOS follow these rules. The legal limitation periods have been implemented to avoid the administration expense of examining "stale claims" and to avoid potential injustice to defendants in reviving old wrongs. and righting the wrong doings The length of time that has elapsed since the sale of your insured loan is such that any allegation of a mis-sale made after this time limit would be prejudicial to the firm being able to defend the allegation. and therefore would hopefully be home and dry and not have to refund the monies.

 

The FOS can consider complaints outside the time limts mentioned above when, in his view, the failure to comply with the time limits was as a result of exceptional circumstances.

 

I do not believe that the recent FSA and OFT investigations that you mention (I never mentioned this at all in my letter) would be considered to be exceptional circumstances and I am therefore sorry to confirm that you complaint is, in my opinion, outside the jurisdiction of the FOS.

 

The letter goes on but this is the main part..........

 

It seems like a standard letter but I'm unsure how to reply!

 

Can anyone help me please?

 

Hello,

 

This is probably just a template letter that they are sending out to all of the complaints they are receiving regarding mis-sold ppi. Probably most will not pursue this a they feel that there is no point. This is what they want you to believe. You did believe them about the ppi didn,t you!!!!!!The fos will not investigate complaints if they occured after 2004, but this does not mean that you cannot pursue it and you have the power to allow a judge to look at this.

 

The link discussed issuing claims for issues, whether it be bank charges, ppi, other issues, etc etc, for dates which are longer that 6yrs, The limitation act.

 

It is the fact that regardless of when the issue happens, they did not disclose the true facts that they had done it, and you now have become aware. and you want it back.

 

Read around the threads and even speak to the FOS and see what they say.

 

The normal reaction of these companies, is to deny, and deny and to try to put you off.

  • Haha 1

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 for the reply hellhasnofury.

 

I've found the bit from the limitations act in a linked post off the one you recommended. It makes more sense now!!!

------------------------------------------------

HFC, PPI - With FOS

NatWest, Default Removal - In Progress

Intelligent Finance, Default Removal & Charges Claimback - In Progress

HSBC, Default Removal & Charges Claimback - In Progress

Abbey, Bank Charges - In Progress

------------------------------------------------

Lloyds, PPI **WON**

Halifax, Charges - Court Claim **WON** Donation Made To CAG

GE Money, Charges - Court Claim **WON**

GE Money, PPI **WON**

HFC, Charges **WON**

Halifax, PPI - Court Claim **WON**

Vodafone, Default Removal **WON**

------------------------------------------------

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Thanks for the reply hellhasnofury.

 

I've found the bit from the limitations act in a linked post off the one you recommended. It makes more sense now!!!

 

:D;):D

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 for the reply hellhasnofury.

 

I've found the bit from the limitations act in a linked post off the one you recommended. It makes more sense now!!!

 

 

Could you direct me to 'the bit from the limtations act' please?

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------------------------------------------------

HFC, PPI - With FOS

NatWest, Default Removal - In Progress

Intelligent Finance, Default Removal & Charges Claimback - In Progress

HSBC, Default Removal & Charges Claimback - In Progress

Abbey, Bank Charges - In Progress

------------------------------------------------

Lloyds, PPI **WON**

Halifax, Charges - Court Claim **WON** Donation Made To CAG

GE Money, Charges - Court Claim **WON**

GE Money, PPI **WON**

HFC, Charges **WON**

Halifax, PPI - Court Claim **WON**

Vodafone, Default Removal **WON**

------------------------------------------------

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