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    • Yup, well so far they have lied to me about responding to a CCA,  are threatening me with a default notice that they don't have, produced a knocked up version of my NOA, sent me 29 pages of spew for an agreement. No wonder they pay 5 p in the pound for that crap.
    • Paragraph 2. I think there should be further down and also you should make the point that the payment to was made unilaterally and without the imposition of any conditions. Paragraph 3 – this is unnecessary because you are not claiming as an entitled third-party. This worries me because it makes me feel that you haven't fully read around because this is a paragraph which you would include where you were suing EVRi as a beneficial third party because you had actually made your contract with Packlink or some other broker. I think you need to revisit and do some more reading. I'm afraid I have a sense that you have simply copied this from somebody else's witness statement without understanding that it wasn't necessary. Please can you post the amended draft. Other than the suggestions above, it looks okay – but let's see it again for a further appraisal. In terms of the evidence, parties bundle, I think it might be an idea to start off with the correspondence with EVRi and then go onto the other evidence. You will have to amend the index page accordingly. You could shorten this bit. Take 19 is pretty well blank and you may as well miss it out also, there seems to be some repetition of emails and the email chain. I think will be worth going through and getting rid of duplicates if you can. 49 pages is a bit long and it would be a good idea to try and reduce the number. I have a feeling that 50 pages as the County Court limit anyway. The judge will be happier with you if the bundle is smaller. Maybe you could reduce the size of some of the images or messages et cetera. You have got several messages which straddle onto a second page so that things like sign off information and standard confidentiality information become orphans. A bit of manipulation and they could be joined to their parents I think. Page 31 as an example. So is page 19. You may only be up to shorten the whole thing by 56 pages – but I think it would be a good idea. 56 pages is, after all, 10%. If you can do more then so much the better
    • Investment by Dutch brewing giant will create 1,000 new jobs and reopen dozens of closed pubsView the full article
    • Qantas agrees to pay millions to settle lawsuit accusing it of selling tickets to cancelled flights.View the full article
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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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      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
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Sandi V Mbna Ppi


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Hi all,

 

Wonder if anyone can help with the following:-

 

Back in April I claimed back for the late charges on my MBNA and virgin credit cards and when they sent me some paperwork there was a copy of my signed agreement. I noticed I have put no in the box for the PPI so sent them a letter requesting the PPI to be paid back.

 

After months of chasing them I finally got a letter back saying they would pay for one of my cards but the other one I had agreed to take out the PPI over the telephone which I know I definately did not and they say they do not record 100% of their calls so I can not prove this. It goes on to say that I could have at any time cancelled the PPI. They then basically just tell me to contact the financial ombudsman as they will not enter into anymore discussion with me.

 

The amount of £350.00 so do I have to write to the financial ombudsman or is there another way around this.

 

Thanks for any help

Sandi xx

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It seems like its your best option. The FOS are taking ages to look into though - taking it through the courts would be quicker if you have the stomach for it!

 

If they didn't record the call how can they be sure you asked for it? doesn't mean they didn't mis-sell it either?

 

If it were me I would get in my complaint to the FOS and write back to MBNA telling them I do not agree with their findings (maybe even demand a copy or full transcript of the conversation) and inform them your complaint has now been forwarded to the FOS. Don't know if it will get them to rethink but its worth a try anyway?

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Hi Sandia,

 

I am also going after MBNA for the same reason, have a look at this thread http://www.consumeractiongroup.co.uk/forum/payment-protection-insurance-ppi/158462-robin-banks-mbna.html

From what you have said I think you have a good case if you want to go down the court route. I would send a SAR (template in the stickies) straight away.

 

Keep checking your thread as there will be someone far more experienced than me along to hold your hand through the process of getting YOUR money back.

 

Good luck

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Thanks for your replies and I have a copy of all my statements from when I claimed back the charges. Is there a standard letter for PPI credit card charges that I can send saying they have so long to reconsider otherwise i will go the court route.

 

I have heard the FOS is unindated with letter and not responding very quickly. This money could come in very handy now as due to have a baby at Xmas.

 

Thanks again for all your help

Sandi xx

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From my standard responses again:-

 

Once you have all the info you can then send off the mis-selling letter template, these letters can be found in the first post of this thread (scroll down the post til you found the heading "Template Letter 1"

 

http://www.consumeractiongroup.co.uk/forum/payment-protection-insurance-ppi/61081-ppi-some-notes-claimants.html

 

Thats just a first letter though - unfortunately I think you only have 6 months to send the complaint to the FOS or else they won't look into it for you so you really need to decide whether you want to go via the court route which would be quicker but you need to make sure you understand exactly what your arguments are as you may need to argue this in court or you send to FOS and wait for alot of months (as I have some dating back from May which aren't even being looked at by anyone yet!)

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