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Parcel delivery insurance is prohibited under section 57 – Consumer Rights Act – Read about It Here and in The Times. ×


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      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.

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    • Post in Suing a parcel delivery company when you don't have a direct contract with them – third-party rights Copy of judgment available

      BankFodder posted a post in a topic,

      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
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Parcel delivery insurance is prohibited under section 57 – Consumer Rights Act – Read about It Here and in The Times.

Newbie: Help on Picture Financial PPI

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pinknico

pinknico

Posted
Posted

If Picture sold you this you need to contact the FSCS, Financial Services Compensation Scheme as Picture (the original) is in Liqidqtion and all claims have to go through the FSCS.

Tel:02078927300.

If someone else sold it contact them!:)

Any opinion I give is my own and given without

any liability.

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pinknico

pinknico

Posted
Posted

daz182 ,ring the FSCS today, I have already filled out the forms for the FSCS and sent them back in August. So get the ball rolling!

Any opinion I give is my own and given without

any liability.

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pinknico

pinknico

Posted
Posted

Picture have yet to be declared in default, so the FSCS (so I believe )have not paid out on any claims yet.

My last email from them said that they were concluding their invetigation into the default of Picture and looking at my claim to see if it was eligable for compensation under their rules.

Any opinion I give is my own and given without

any liability.

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pinknico

pinknico

Posted
Posted

I will be gutted if they hand back to the FOS. Why email and say they are concluding their investigation of finding if they can declare Picture in Default and are looking at my claim to see if I am eligable under their scheme for compensation, only to pass it back to the FOS?

Any opinion I give is my own and given without

any liability.

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pinknico

pinknico

Posted
Posted

Hello David, the last some of us heard was that Picture are pending default and are expected to be in default in June but we are not holding our breath! Then the FSCS have to actually look at the claims to see if they were mis sold. I put my claim in back in August 2008.

I am afraid I don,t know about what happens if you stop paying.

Hope we all hear something very soon.

Any opinion I give is my own and given without

any liability.

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  • 3 weeks later...
pinknico

pinknico

Posted
Posted

They keep changing what they tell people, someone got an email reply on June 3rd was told it would be in the next few weeks.

They know Picture have no money but the reclaiming of PPI is new to the FSCS and they are making sure that all claims are dealt with in exactly the same way, this is what is taking the time.

Any opinion I give is my own and given without

any liability.

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pinknico

pinknico

Posted
Posted

PPI is cancelled if your claim is successful. Even if you dont pay back any money. You cant get your no claims bonus and receive a full refund of PPI fom the FSCS.

Who did you check about the penalty with?

Any opinion I give is my own and given without

any liability.

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pinknico

pinknico

Posted
Posted

Thanks bigdaddy121, that is really useful information. I only asked what you were expecting as you said you were waiting to bank your cheque.

Congratulations.

Any opinion I give is my own and given without

any liability.

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pinknico

pinknico

Posted
Posted

Was it the questionnaire because you have settled your loan?

 

 

No one that I know knows what the criteria is, so I hope someone on here answers your question.

Any opinion I give is my own and given without

any liability.

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pinknico

pinknico

Posted
Posted

It s ok honestbob, Deloitte were asked to send out these questionnaires at the end of September to those that had settled Picture loans with another provider so they can calculate how much interest you have still been paying on the PPI part of the loan and you would get that back also, as well as the original premium and all payments made towards the ppi so far.

 

 

And none of us had a policy number!

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pinknico

pinknico

Posted
Posted (edited)

Another claimant received their cheque today, and their insurance was cancelled at the same time.

 

 

IGNORE THIS POST CLAIMANT WAS MIS INFORMED POLICY CONTINUES.

Edited by pinknico
WRONG INFORMATION.

Any opinion I give is my own and given without

any liability.

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  • 2 weeks later...
pinknico

pinknico

Posted
Posted

Five more people got their cheques last Thursday on the MSE forum, some were Priority, others had returned their forms via the FOS last year

July/ August 2008.

Any opinion I give is my own and given without

any liability.

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