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    • 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
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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.

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Does CCA request apply to insurance company?


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Hi there can any one offer advice on this please.

 

My friend cancelled an insurance policy which he had been paying monthly.

The broker then sent an alleged bill for almost £100 including a cancellation fee of over £40 and an alleged outstanding balance despite taking regular direct debits.

 

They ignored a request for a breakdown/explanation of the charges.

 

They then passed it to a DCA who added £25 admin fee.

 

The original broker then wrote to advise the DD had been cancelled and my friend had 7 days to get in touch or the insurance would be cancelled

(THIS IS AFTER THEY HAVE CONFIRMED CANCELLATION OF THE POLICY!!!)

 

My friend sent the broker a CCA request giving them 12+2 days to produce the Credit Agreement.

 

They have just written back confirming receipt of the letter and sent a complaint procedure booklet.

 

They have said they will 'review the issues raised' and contact my friend 'within 20 business days'.

 

They have not mentioned the CCA or the £1 postal order.

 

As they are a creditor and the alleged agreement was covered by the CCA do the same rules apply?

 

What do we do next? Just wait for them to default or remind them of the rules?

 

Thanks.

Redletter

 

 

'I believe the struggle for financial freedom is unfair - I believe the only ones who disagree are millionaires!'

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IIRC, Insurance Policies that are paid monthly are Credit Agreements (my OH's with Tesco's is) and yes, they are covered by the CCA.

 

They are a Debtor-Creditor-Supplier Fixed-Sum Restricted-Use agreement.

 

To try and get you a bit more help, can you answer some questions?

 

  • In the CCA Request, did you ask for a statement of account?
  • Was the policy cancellation confirmed in writing?
  • Have the insurer terminated the credit agreement?
  • did they issue a Default Notice?
  • was the "debt" sold to the DCA or are they just collecting on the broker's behalf?
  • are they demanding complete payment of the agreement? or some arrears?

 

Sorry for all the questions, but the more you can answer, the more help you can get!

 

thanks,

H

 

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Hi thanks.

Yes I asked for a breakdown showing all debits & credits.

 

Yes they confirmed cancellation in writing. However, the most recent letter contradicts this saying the DD should be re-instated to prevent cancellation.

 

Yes they cancelled it with the insurer as they referred to a 'return premium from insurer'.

 

They sent the 1st letter confirming cancellation stating their were outstanding costs including breakdown cover for remainder of year and a £45 cancellation charge.

The next letter claimed to have passed the case to a DCA called icon collections international limited with a further £25 admin charge.

The next letter was from DCA confirming this.

However most recent letter made no reference to any of above just simply stated that DD was cancelled and needed resetting within 7 days or the policy would be cancelled.

Dont know if DCA is independant or collecting on behalf of..

 

They claim there are outstanding costs £45 cancel fee, some for recovery and difference between return premium and balance. They reckon the interest reduction is £33, about half of the yearly despite only being in force for a couple of months!

However, the monthly collections made by DD should cover the period of insurance.

 

The car is off the road by SORN and the MOT ran out in Jan so the insurance would have been invalid anyway so why would anyone pay insurance they dont need!

 

We sent a copy of the SORN which is effective from 01-01-09.

The insurance only started on 25/11/08 and 3 monthly payments were taken so if anything we should get a refund!!!

 

Thanks for your time.

Redletter

 

 

'I believe the struggle for financial freedom is unfair - I believe the only ones who disagree are millionaires!'

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  • 2 weeks later...

My friend has just had a card through the door from Royal Mail for an undelivered 'packet' which required a signature.

 

Hmmm! We are now thinking..... CCA response - or summons??? (Gulp!)

 

Wont find out yet cant obtain packet for 48 hours!

Redletter

 

 

'I believe the struggle for financial freedom is unfair - I believe the only ones who disagree are millionaires!'

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It won't be anything from the courts as they use ordinary post.

I really do appreciate all those 'thank you' emails - I'm glad I've been able to help. Apologies if I haven't acknowledged all of them.

You can also ding my gong if you prefer. :)

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  • 2 weeks later...

The CCA request expired on the 16 April (if you allow 2 days for Easter) and they have not been back in touch yet.

I am just drafting up letter 2 for default of CCA request.

 

It appears that this is normal practice for Swinton to add on made up charges upon cancellation of a policy.

Maybe they should change their name to 'Swindle'!!!

Redletter

 

 

'I believe the struggle for financial freedom is unfair - I believe the only ones who disagree are millionaires!'

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Can someone please comment on this please...

 

It has just been suggested that the CCA1974 Sec 16(1)a states that the CCA1974 does not regulate insurance companies.

However my previous insurance documents clearly state, where I have paid monthly, that the agreement is regulated by the Consume Credit Act 1974.

Is this because the creditor is the broker and not the insurance company?

 

http://www.consumeractiongroup.co.uk/forum/insurance-assurance-companies/159649-problem-swinton.html

 

Please advise!

Redletter

 

 

'I believe the struggle for financial freedom is unfair - I believe the only ones who disagree are millionaires!'

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To clarify, the CCA 1974 does NOT cover an insurer issuing an insurance policy where the premiums are paid by installments.

 

When you pay your car insurance by monthly installments, you will find you are signing up to a loan (which is regulated by the CCA. The amount loaned (usually by a subsiduary or bank connected with the insurer) pays the insurance premium in one go and the driver then makes the loan repayments. Quite often you find there is a lot of paperwork when you renew. Most of this relates to the loan.

Arrow Global/MBNA - Discontinued and paid costs

HFO/Morgan Stanley (Barclays) - Discontinued and paid costs

HSBC - Discontinued and paid costs

Nationwide - Ran for cover of stay pending OFT case 3 yrs ago

RBS/Mint - Nothing for 4 yrs after S78 request

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To clarify, the CCA 1974 does NOT cover an insurer issuing an insurance policy where the premiums are paid by installments.

 

When you pay your car insurance by monthly installments, you will find you are signing up to a loan (which is regulated by the CCA. The amount loaned (usually by a subsiduary or bank connected with the insurer) pays the insurance premium in one go and the driver then makes the loan repayments. Quite often you find there is a lot of paperwork when you renew. Most of this relates to the loan.

Thanks...

So if the brokers are the ones threatening legal action to recover an alleged outstanding balance, then surely they cant do this as they are not the creditor in this case???

Redletter

 

 

'I believe the struggle for financial freedom is unfair - I believe the only ones who disagree are millionaires!'

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*WON*!!!

Have just received a letter from Swindle.

 

"BLAHBLAHBLAH...

However, as we are now aware that you took the vehicle off the road on 1 January 2009 and as a gesture of goodwill I have agreed that Swindle will not continue to pursue the outstanding balance. I have spoken to Icon collections and they have now closed their records. I can assure that this will in no way affect your future credit rating.....

 

If we do not hear from you within 8 weeks we will consider the matter closed"

 

RESULT!!!

 

 

So all you people out there being "Swindled"

 

GO GET EM!!!!:grin:

_______________

Redletter

 

 

'I believe the struggle for financial freedom is unfair - I believe the only ones who disagree are millionaires!'

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*WON*!!!

Have just received a letter from Swindle.

 

"BLAHBLAHBLAH...

However, as we are now aware that you took the vehicle off the road on 1 January 2009 and as a gesture of goodwill I have agreed that Swindle will not continue to pursue the outstanding balance. I have spoken to Icon collections and they have now closed their records. I can assure that this will in no way affect your future credit rating.....

 

If we do not hear from you within 8 weeks we will consider the matter closed"

 

RESULT!!!

 

 

So all you people out there being "Swindled"

 

GO GET EM!!!!:grin:

__________________

Redletter

 

"On a mission" :wink:

Redletter

 

 

'I believe the struggle for financial freedom is unfair - I believe the only ones who disagree are millionaires!'

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Well it's all thanks to all the help and information I have received on here so thanks to all and a donation is to follow shortly. :)

Redletter

 

 

'I believe the struggle for financial freedom is unfair - I believe the only ones who disagree are millionaires!'

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