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      By ProperDribbly · Posted

      .... So after a 14 day investigation with p2g i had a live chat with them yesterday ( 8th June) who said they didnt know where the parcel was but closed the case as i didnt take out their protectiove insurance.  So now at 07.33 on the 9th of june i was repling to this thread with all the relivent information to start a claim and i check the tracking of the 'Lost' parcel for specific dates to find the tracking has updated and the parcel is now at the recipients local depot  ? which is annoying because ive already refunded the buyer as i didnt want any negative feedback as it was an ebay listing and id want a refund if i was in his postion. So i posted the parcel with Evri on the 20/5/24  The delivery date was missed due to it being sent to the wrong depot and a case was opened on the 25/5/24 14 Investigation failed to locate the item in Evri's system and case closed on the 8/6/24 and now the tracking has updated on the 8th saying its at the recipients depot so is likey to receive it in the next few days .... Typical.  Oh well nevermind , thanks everyone  
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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.

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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Parcel delivery insurance is prohibited under section 57 – Consumer Rights Act – Read about It Here and in The Times.

What about PPI if one cannot claim Job Seeker Allowance

dsbos

By dsbos
in Payment Protection Insurance (PPI)

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dsbos

dsbos

Posted
Posted

I've got a personal loan in 2006 with HBOS with PPI added. Then topped up the loan in 2007 again with PPI.

 

Recently one of my friends (Non UK Citizen), who had a loan with PPI lost his job and tried to claim for his repayments based on the Unemployment from HSBC. Then he was advised to register at the Job Centre and for Job Seeker Allowance. But he is not entitled for the Job Seeker allowance as he is in the UK on a Visa with "No Recourse to Public Funds" endorsed on the Visa. So he hasn't registered for the Job Seekers allowance and hence his claim is turned down.

 

Now I have the PPI again with the same clause in my Visa, which I've paid for the PPI over 2 years for HBOS.

 

Could anyone let me know has this been the case for you if you have the similar status in the UK?

 

Also, what if I want to stop the PPI now and get the money back I've paid so far?

 

I understand there are many "No Win No Fee" places to work on behalf of you to claim the money you paid. But wonder what should I do first?

 

Thanks in advance.

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yourbank

yourbank

Posted
Posted
I've got a personal loan in 2006 with HBOS with PPI added. Then topped up the loan in 2007 again with PPI.

 

Recently one of my friends (Non UK Citizen), who had a loan with PPI lost his job and tried to claim for his repayments based on the Unemployment from HSBC. Then he was advised to register at the Job Centre and for Job Seeker Allowance. But he is not entitled for the Job Seeker allowance as he is in the UK on a Visa with "No Recourse to Public Funds" endorsed on the Visa.

I know for a fact that this is Misselling because he was ineligible to claim. Was he made aware that he could not claim for unemployment? I doubt it.

 

So he hasn't registered for the Job Seekers allowance and hence his claim is turned down.

 

Now I have the PPI again with the same clause in my Visa, which I've paid for the PPI over 2 years for HBOS.

Ditto on the misselling issue.

 

Could anyone let me know has this been the case for you if you have the similar status in the UK?

 

Also, what if I want to stop the PPI now and get the money back I've paid so far?

 

I understand there are many "No Win No Fee" places to work on behalf of you to claim the money you paid. But wonder what should I do first? Don't do No Win No Fee but YOU WIN with NO FEE

 

Thanks in advance.

 

Will leave you in the hands of the experts as to what the process is and how you calculate everything else.

.

FSA Waiver on Bank Charges:http://www.fsa.gov.uk/pages/Doing/Regulated/Notify/Waiver/pdf/dir_quart_0709.pdf

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dsbos

dsbos

Posted
  • Author
Posted

I had a call to the Bank this morning.

 

PPI Advisor straight away agreed that the PPI was missold given that I cannot claim "Job Seekers' Allowance". So she said my loan has to be re-keyed without PPI. This will be as a new loan without the PPI.

 

I presume, that everything I've paid towards the PPI will put forward for the capital repayments. But not sure whether I'll have to take a loan at a higher rate. Now the personal loans usually around 10% APR, but I had it initially for 7.9% APR. Eitherway I am losing my money, unless they offered me the same rate.

 

They said they will contact me within 4 weeks.

 

Any expert advise, what should I do next?

 

Thanks.

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yourbank

yourbank

Posted
Posted

I would decline that. If it is missold they have to put you in a position that you were in if you had not taken the PPI out. A new loan?? How about a refund of all premiums and that the payments are EXACTLY the same amount as if you had not had the PPI in the first place. Same term ie if it was over 5 years then it is 5 years minus current payments to date. And refund of premiums taken from you up to that point plus interest(confirm whether it is a single premium or not).

.

FSA Waiver on Bank Charges:http://www.fsa.gov.uk/pages/Doing/Regulated/Notify/Waiver/pdf/dir_quart_0709.pdf

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  • 3 months later...
dsbos

dsbos

Posted
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Posted

:):):).....:)

 

Happy Happy !

 

My Bank has refunded all the money I paid for the PPI with Interest.

 

My monthly loan payment has decreased by just over £100 a month.

 

So folks, if you have "No Recourse to Public Funds" in your Visa and have a PPI with your Personal Loan, Credit Card, etc Better you call your Bank and inquire.

 

Not sure about Mortgages, how that works, but one of the Mortgage Brokers I spoke to at Countrywide Residential, showed me a Booklet, which states "You must be a Permanent Resident to get the PPI Benefits". He was the only one who had such a written record, not even my Bank :)

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pompeyfaith

pompeyfaith

Posted
Posted

Did they re-finance the loan at the same rate as the first.

 

Regards

 

Pompeyfaith

Finally if you succeed with your claim please consider a donation to consumer action group as those donations keep this site alive.

 R.I.P BOB aka ROOSTER-UK you have always been a Gent on these boards and you will be remembered for that.

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pompeyfaith

pompeyfaith

Posted
Posted

Fantastic you are home and dry then

Finally if you succeed with your claim please consider a donation to consumer action group as those donations keep this site alive.

 R.I.P BOB aka ROOSTER-UK you have always been a Gent on these boards and you will be remembered for that.

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