Jump to content


  • Tweets

  • Posts

    • Embracing your unique selfView the full article
    • Hearing held today in court. I attended in person and Evri had an advocate attend on their behalf to defend their position that my contract is with Packlink and not with them. I also provided a copy of Evri's terms and conditions which explains that a contract is entered into when a parcel is sent with Evri. The judge pointed this out to the Advocate and agreed there is a contract between me and Evri under the Ts and Cs. The judge explained that while Packlink are responsible for organising the delivery of the item, it is Evri who are responsible for handling the goods and delivering them, and therefor Evri has a responsibility to handle the goods with reasonable care and skill. So am pleased to say the judge found in my favour. Hearing lasted about 75mins. Evri has been ordered to make payment within 21 days. Also nice to meet @jk2054 in person.
    • Good morning,    I just wanted to update you on the situation.    I have visits piling up with my current employment and they need doing before I finish at the end of this month.  I am moving to Wiltshire in 3 weeks for a new job helping care homes with their Dementia patients. I tried to work it out and at a guess I will be doing about 20-25,000 miles a year. So need a vehicle that can cope with that mileage, my old car would have done it easy but 🤷‍♂️ I have taken out a loan and got a friend to find me a reliable car that can cope with the miles and hasn't been written off in the past.   I phoned Adrian flux to see if I could use the last months insurance on a new car I have bought, the girl I spoke to phoned Markerstudy and asked them but they said no, my new car doesn't have any modifications.    I had an email from someone who saw one of my appeals for information, they live near the site of the accident and know a nearby farmer who has a security camera at his entrance that catches the traffic and specifically registration plates as he has been robbed before. They said they would reach out for me and see if he still has the data. Unfortunately it wont catch the scene of the crash.   The Police phoned me and said they were closing the report I made, even if they found footage of the vehicle at the time I said the actual incident would be my word vs theirs.  My first response was I am sure google maps would show that they turned around at that location which would verify my version of events, but upon reflection I do understand, I have seen people doing make up with both hands while driving, eating from a bowl steering with their knees and veering all over the place. I am sure some of these people go off the road and claim that someone forced them off.    Markerstudy phoned me yesterday to say that my car is now at Copart, the £80 tank of Vpower diesel was emptied on entry to the site for safety reasons, which I get but it sucks.  It is awaiting being assessed and shouldn't be too long, which is a relief.  I am really glad things do not seem to be going the way of the other stories and they seem to moving quickly.   However I was informed that my car was a structural write off before I bought it - this destroyed me, I was almost sick.  and this is going to affect any offer of money - after hearing the first statement this didn't affect me.   They need to wait for the assessor to check it over but it is highly likely to be written off and the maximum they can offer is £2300.  I was desperate for a car as I was working for an agency at the time, no work no pay, and did not do a vehicle check because I didn't know about them.  The seller did not tell me that it had been structurally written off, he told me that it had the front wing damaged while parked and was repaired at an approved repairer.  Markerstudy records state that it was sold at auction, no record of repair at an approved repairer.  I bought it bank transfer with hand written receipt.    It gets worse.    It turns out my airbags should of gone off. For some reason they are not working. I think we can figure out why.  If I had hit that car head on and had no airbags.    Some good news.    I can arrange a time with Copart to go and take my stereo equipment and any personal items that are left in the car only. I cant live without music and need quality sound, my speakers and amps are Hertz and JLaudio, (no I am not a boy racer with booming subs, I am an audiophile on a budget) I was really worried I wouldn't get them back so this is a huge relief for me. It is stuff I have built up over years of saving and collecting. Everything to do with the vehicle and mods I have declared need to stay to be assessed.   The accident has gone as a fault on my record, I have to remove 2 years NCB which means I still have some to declare which is good.  So it appears at this point that it may be resolved quickly, not in the way I was hoping, but not as bad as I presumed it was going to be based upon that tow truck drivers attitude and behaviour and the horror stories I read.   I am not going to buy the car back and try to make money with all the parts on it, I don't have the time or energy.   I may need an xray on my back and neck.  The whole situation has left me feeling physically sick, drained and I need it done.   The lesson learnt from this  -  My conscience is 100% clear, my attitude to safety and strong sense of personal responsibility - A rated tyres even if on credit card, brake fluid flush every year, regular checks of pads and discs, bushes etc, made avoiding what I believed to be a certain broadside collision possible.   Get a dashcam (searching now for the best I can afford at the moment)  -  Research your insurance company before you buy  -  Pay for total car check before you go and see a car and take someone with you if you are not confident in your ability to assess a vehicle.      Thank you to everyone here who volunteers their time, energy and information, it is greatly appreciated.  You helped my sister with some advice a while ago but we weren't able to follow through, she is struggling with long term health conditions and I ended up in hospital for a while with myocarditis, when I got out and remembered it was too late.  I am going to make a donation now, it is not a lot, I wish I could give more, I will try to come back when things are on a more even keel.    Take care
  • Recommended Topics

  • Our picks

    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 161 replies
    • 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.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      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
        • Like
  • Recommended Topics

Lloyds Platinum Card


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 5387 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

So I guess that means in order for the T&C to be valid they would have to have been specifically created for me?

 

I'll give pt's letter a go and see what happens.

 

Thanks

Link to post
Share on other sites

So I guess that means in order for the T&C to be valid they would have to have been specifically created for me?

 

I'll give pt's letter a go and see what happens.

 

Thanks

 

No, but they would have to be linked in some way otherwise what's to stop them sending any old junk to you?

Link to post
Share on other sites

so if it ever got to court and they turned up with an original with the T&C that they've sent on the other side of the original application I had signed would I be sunk?

Link to post
Share on other sites

Is it wise then to send pt's letter pointing out that things are missing from the form when they actually aren't? (Or are they? I'm still not certain)

Wouldn't that just be provoking them?

Link to post
Share on other sites

Have a read of the following threads, it might give you some idea of what to expect.

 

They are cases currently in the process of going to court.

 

http://www.consumeractiongroup.co.uk/forum/legal-issues/149741-lloyds-me.html

 

http://www.consumeractiongroup.co.uk/forum/legal-issues/200331-me-them-claim-issued.html

 

http://www.consumeractiongroup.co.uk/forum/legal-issues/190057-oh-bls-ltsb.html

 

I think you have already subscribed to N.P's thread.. that has quite a few letters that could be adapted for your own battle.

 

Any questions, just yell:D

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

Link to post
Share on other sites

Evening all,

 

Did I here my name mentioned? ;)

 

By all means, use anything you can from my thread, although you`ll have to dig through it :confused:

 

Although they think they have sent you the relevant T`s & C`s, and also the Prescribed Terms appear to be on the reverse sheet, their is nothing to indicate what the PPI costs?

 

You have PPI ticked, but their is no reference to it anywhere. Nothing indicates how much it costs etc?

 

I noticed this with my Lloyds TSB Mastercard also, just a tick in a Box and nothing else.

 

Anyone could have ticked that box after you signed it. How do you know how much to pay? In which case, the monthly interest could also be disputed.

 

 

Just thought you`d like that as another line of dispute/arguement :D

 

Hi cB, Babybear and gang. :cool:

 

 

 

N.P

  • Haha 1

If I have helped or made you laugh in any way in your hour of need, then please click my scales <<<<<<<<<< ;)

Link to post
Share on other sites

- Hi cB

Thanks for those links, had a quick look, found it quite overwhelming, so think I'm gonna attack them fresh one day this week when I've had a LOT of sleep (I get tired really fast) and got a fresh cup of coffee next to me :-)

 

- Hi N.P, well spotted :grin: I didn't notice that.

is the lack of PPI info enough to get the whole thing thrown out? and do you know how I could approach that one?

 

- Something I read on another thread somewhere on CAG (sorry don't know which one it was) talked about usage of the card being changed etc leading to new agreement being required thus invalidating the original.

 

Well, the application I have been sent clearly states its for a 'MasterCard', and I know for a fact that at some point in the last 12 years it was changed to a Visa, and then more recently back to a Mastercard. Lloyds didn't ask me about this they just sent me a new card and xferred my balance.

 

Also the account number shown on the application form DOESN'T match the one on the final statement they have sent me - is that of any relevance/use?

Link to post
Share on other sites

-

- Hi N.P, well spotted :grin: I didn't notice that.

is the lack of PPI info enough to get the whole thing thrown out? and do you know how I could approach that one?

 

 

Well, put it this way, PPI would now make the Agreement a Multiple Agreement, no matter how you look at it.

 

 

 

Consumer Credit Act 1974

 

Section 18 - Multiple agreements.

 

(1) This section applies to an agreement (a multiple agreement ) if its terms are such as

 

(a) to place a part of it within one category of agreement mentioned in this Act, and another part of it within a different category of agreement so mentioned, or within a category of agreement not so mentioned, or

 

(b) to place it, or a part of it, within two or more categories of agreement so mentioned.

 

(2) Where a part of an agreement falls within subsection (1), that part shall be treated for the purposes of this Act as a separate agreement.

 

(3) Where an agreement falls within subsection (1)(b), it shall be treated as an agreement in each of the categories in question, and this Act shall apply to it accordingly.

 

(4) Where under subsection (2) a part of a multiple agreement is to be treated as a separate agreement, the multiple agreement shall (with any necessary modifications) be construed accordingly; and any sum payable under the multiple agreement, if not apportioned by the parties, shall for the purposes of proceedings in any court relating to the multiple agreement be apportioned by the court as may be requisite.

 

(5) In the case of an agreement for running-account credit, a term of the agreement allowing the credit limit to be exceeded merely temporarily shall not be treated as a separate agreement or as providing fixed-sum credit in respect of the excess.

 

(6) This Act does not apply to a multiple agreement so far as the agreement relates to goods if under the agreement payments are to be made in respect of the goods in the form of rent (other than a rentcharge) issuing out of land.

 

 

 

This basically means your CCA should also include the Prescribed Terms for the PPI part.

 

In other words, how do you know how much the PPI actually costs, and how much you are actually paying? You don`t, because they don`t have any reference to it at all, which they should.

 

You have both Restricted and UnRestricted use Credit on your account.

 

Did you actually ask for it or did they just bundle it in? If so, it could be classed as missold.

 

This is the same exact scenario I have with Lloyds. I hate them, then should be bombed! :mad:

 

Whatever you do, there will be times when you feel like giving in to them, but stick to your guns and keep blazing away at them.

 

 

 

N.P

If I have helped or made you laugh in any way in your hour of need, then please click my scales <<<<<<<<<< ;)

Link to post
Share on other sites

 

Consumer Credit Act 1974

 

Section 18 - Multiple agreements.

 

(1) This section applies to an agreement (a multiple agreement ) if its terms are such as

 

(a) to place a part of it within one category of agreement mentioned in this Act, and another part of it within a different category of agreement so mentioned, or within a category of agreement not so mentioned, or

 

(b) to place it, or a part of it, within two or more categories of agreement so mentioned.

 

(2) Where a part of an agreement falls within subsection (1), that part shall be treated for the purposes of this Act as a separate agreement.

 

(3) Where an agreement falls within subsection (1)(b), it shall be treated as an agreement in each of the categories in question, and this Act shall apply to it accordingly.

 

(4) Where under subsection (2) a part of a multiple agreement is to be treated as a separate agreement, the multiple agreement shall (with any necessary modifications) be construed accordingly; and any sum payable under the multiple agreement, if not apportioned by the parties, shall for the purposes of proceedings in any court relating to the multiple agreement be apportioned by the court as may be requisite.

 

(5) In the case of an agreement for running-account credit, a term of the agreement allowing the credit limit to be exceeded merely temporarily shall not be treated as a separate agreement or as providing fixed-sum credit in respect of the excess.

 

(6) This Act does not apply to a multiple agreement so far as the agreement relates to goods if under the agreement payments are to be made in respect of the goods in the form of rent (other than a rentcharge) issuing out of land.

 

 

Hi N.P.

Tried reading that section 18 bit, but it just makes my head spin.

I don't recall specifically asking for the PPI to be added, and who knows whether the tick in the box is theirs or mine?

Is there a letter I can send them that disputes the validity of the "agreement" due to the PPI?

They've just sent me another letter saying that "Their agents have let them know that they have been unable to agree a payment program, and I can prevent action by paying the full balance within 10 days"

 

erm... If I had it I'd have paid it by now - what are they - terminally dense lobotomized fish with memory loss??? :mad:

 

prelude

Link to post
Share on other sites

Hi prelude2a,

 

I don`t have any templates as such that will dispute a Multiple Agreement and PPI.

 

I don have some templates which dispute an Agreement as not complying with the CCA, IE - does not contain the correct terms.

 

I suppose that could be said for our agreements which have the PPI box, but no terms.

 

 

 

N.P

If I have helped or made you laugh in any way in your hour of need, then please click my scales <<<<<<<<<< ;)

Link to post
Share on other sites

  • 4 weeks later...

Hey all,

quick update, had a call from Apex the other day asking to speak to me about 'an outstanding account'. Told them they should contact me in writing. They have sent me a letter demanding I call them within 5 days to prevent further escalation.

They have also started calling me daily. Do they actually believe I'm gonna answer? Haven't they heard of callerID?

:p

Link to post
Share on other sites

Send them this:

 

- HARASSMENT WARNING -

WARNING; PROTECTION FROM HARASSMENT ACT 1997;

WARNING; COMMUNICATIONS ACT 2003. s127.

 

Telephone Number: {Your Telephone Number}

Re: Harassment by telephone

 

Dear Sir/Madam.

 

I am writing in relation to telephone calls that I have received from your organisation, which I deem to be personally harassing. I have verbally requested that these calls stop, but I am still receiving call. I now require the telephone number listed above to be completely removed from your systems.

 

I am in the view that your continued telephone calls put you in breach of the Protection of Harassment Act 1997.

 

This is a private telephone line, operated on a contract with the intention of receiving and making personal phone calls, I have not authorised any other member of my family to receive calls from your organisation using this PRIVATE TELEPHONE LINE.

 

By using this telephone number without my permission you are interferring with my ability to use my own private property for the duration of any call.

 

It is my right to require that this telephone line, which is licenced solely to myself, is kept clear for my own personal calls.

 

It is consquently my view that you are commiting the tort of interference with contract insofar as for the duration of each call you make to me without my permission, you are interfering with my contractual right to receive and make personal calls on my private telephone line.

 

Continued interference with my contractual rights in this manner may result in legal action.

 

If you continue to harass me by telephone, you will also be in breach of the Communications Act (2003) s.127 and I will report you to the Office of Communications, Trading Standards and the Office of Fair Trading, meaning that you may be liable for a substantial fine.

 

Be advised that all telephone calls from your company will be recorded.

 

 

Yours faithfully,

 

 

Amend to suit, send recorded keeping a copy with your postal receipt, do not sign print your name and come back with any updates.

  • Haha 1
Link to post
Share on other sites

Yes, good ole Apex, they are as numb as the rest, if they think your going to speak to them and give them some money.

 

You could answer the phone and give them some serious abuse, I do. :p

 

Tell the knob jockey on the phone his missus gives a great bj, and your going to go around and bum his dog. Also tell him he sounds sexy too, and that you love him being forcefull, LOL.

 

:shock::lol:

Link to post
Share on other sites

  • 2 weeks later...

I've just been ignoring their calls, why waste postage asking them to leave me alone when they will probably ignore the letter anyway!

 

Just got a letter from them saying ...

 

"... our client has now formally requested that we commence proceedings to recover the outstanding debt...

... contact within 72 hours with a proposed payment plan or we may be forced to take these steps:

1. may take legal action in county court

2. if this becomes necessary legal fees and costs will be added

3. account may be passed to a recovery specialist...."

 

blah blah blah...

 

do I ignore them? or send them a letter saying "The document you sent me in response to my CCA is not a properly executed agreement - it is just an application form so naff off... " ??

 

Any thoughts?

Link to post
Share on other sites

I've just been ignoring their calls, why waste postage asking them to leave me alone when they will probably ignore the letter anyway!

 

Just got a letter from them saying ...

 

"... our client has now formally requested that we commence proceedings to recover the outstanding debt...

... contact within 72 hours with a proposed payment plan or we may be forced to take these steps:

1. may take legal action in county court

2. if this becomes necessary legal fees and costs will be added

3. account may be passed to a recovery specialist...."

 

blah blah blah...

 

do I ignore them? or send them a letter saying "The document you sent me in response to my CCA is not a properly executed agreement - it is just an application form so naff off... " ??

Any thoughts?

 

Yes but it could be more strongly worded :D

Link to post
Share on other sites

:D yes, I was thinking an edited version of this

 

http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/112783-lloyds-tsb-mastercard-3.html#post1298307

 

 

with the bits about it being illegible taken out (cos its not illegible)

 

 

There`s a better finished version later on I think ;-)

If I have helped or made you laugh in any way in your hour of need, then please click my scales <<<<<<<<<< ;)

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...