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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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    • aries18pk
      Need help with huge amount of unsecured debt

      By aries18pk · Posted

      Hi, Thanks a lot for your valuable advice and apologies for bit delay in providing some additional information as requested before. I was also looking at other threads to get some more knowledge so apologies if my questions have already been answered in some other threads and I have missed them. I would appreciate if you can guide to relevant thread to help navigate easily. If I opt to go down the route of availing BS option, I'd find it more convenient if I do it in parts i.e., applying with 2/3 creditors at a time. Is that even possible in my case? I understand that DN might be the best option for me but I am trying to avoid this route as much as I can. I am currently living in a rented property with wife and 3 kids and I am not how this is going to play out in future if we decide to move to some other area. How will DN impact my intention of getting house on mortgage (dream as of today) after 6 years? If I go for DN strainght away, do I have to do it for all debts? for example, can i leave one active credit card out of this DN? what can i do if I go for DN right now but my financial situation improves in 1-2 years due to better job or promotion etc.?  Here are the details of my debts. Let me know please if you have any questions. Regards, MM Overdraft Halifax - £2,500 Starling - £500 (I can settle this immediately to keep this account active as back-up for salary and other priority expenses like rent, council tax etc.)   Personal Loans - Outstanding Amounts - No defaults or missed payments Plata - approx. £27,000 BetterBorrow - £3,450 Zopa - £14,000 Reevo - £2,800 Updraft - £2,230   Credit Card - Balances - No defaults or missed payments except those noted Virgin - £6,100 (This card is suspended.) Halifax - £5,474 (This card is suspended.) Barclays - £5,400 (I am currently on a fixed monthly payment plan of £232 for almost a year now and missed last month's payment.) Aqua - £3,100 Fluid - £2,100  
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      London Stock Exchange becomes Europe's largest stock market again

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      A French election is driving down the value of French listed companies, analysts sayView the full article
    • dx100uk
      80k debt

      By dx100uk · Posted

      They cannot send any claim forms, they are issued by Northants bulk.  Usual rubbish, and legally cannot be served by email unless you've specifically given Northants bulk permission to do.    Usual claptrap from TM.. See
    • dx100uk
      JCI/Moriarty Claimform - old OVO UTIL dual fuel debt

      By dx100uk · Posted

      OK but it's always best to scan up these letters you mention so We can decide proper actions/responce/use please scan them all to one mass pdf in date order.  Read upload use the online sites listed Dx
    • lookinforinfo
      SAR distress claim against Parking Eye

      By lookinforinfo · Posted

      Instead of ridiculing them you could point out the embarrassment they will have in the papers if they persist in being in Court with a little old lady. it also won't look good for their landowners since negative comments afffect them too.

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      If you are buying a used car – you need to read this survival guide.
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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.
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I have received a letter from 1st Credit

zazen.warrior
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ScarletPimpernel

ScarletPimpernel

Posted
Posted

A formal complaint, then, perhaps reminding them of the requirements recently imposed upon them by the OFT because of their non-compliant practices, and maybe mentioning Ferguson v. British Gas Trading Ltd 2009. I think I'd copy it to the OFT, too.

 

By coincidence, I've had a response this morning to a complaint to them (made on behalf of a client). They are very contrite about bypassing an authorised rep, failing to suspend collection activity whilst a debt is in dispute, and threatening legal action whilst in default of a s.78(1) request. I'm going to dob them in to the OFT anyway, because they have got away with non-compliance for too long.

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jed2004

jed2004

Posted
Posted

Defo report them to the OFT you can do it by email!!! I done this because of their nasty threats they have already had a warning but haven't seemed to change their ways!! So please complain it took 6 days for the oft to respond to my email they have noted the complaint and will take it into consideration with other complaints they recieve!! So PLEASE complain lol

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jed2004

jed2004

Posted
Posted

lol well what a surprise i just got a letter from them (1st cred) because i emailed them to to tell them i have put a complaint in about them to the oft and in big writting on the top of the letter it says YOU HAVE RAISED A DISPUTE and that they will be contactin there client to advise them of my comments and will contact me in due course. Then at the bottom it says unless i am disputing the full balance i must contact 1st credit immediatly to pay the ammount of the debt i accept is due and payable???? wtf

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veryweary

veryweary

Posted
Posted

I've got a letter dated 8th March with identical signature to Zazenwarrior's in post 6, but it's from the Administration Dept not the Complaints dept.

 

They're obviously taking the time to send out newly worded automated responses to keep the OFT happy but couldn't be bothered inventing different fictional stafff signatures. Or maybe he's the only staff member who can write his name.?

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hackedoff1

hackedoff1

Posted
Posted

Report them to OFT.

 

They don't listen and won't change(!st Credit that is)

 

OFT need to get hold of the phone records of these scumbags to understand the full extent of their bullying!

 

They couldn't give a toss about OFT or any other regulatory body.

 

They should lose their license and the powers that be should investigate them with vigor for the misery they are causing nationwide.

 

Perhaps even the police ought to become involved to investigate those who have been pushed over the edge by them

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