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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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      Thank you very much for your letter in regard to the above mentioned shipment.  Due to the high volume of parcels coursing through the courier network each day, undergoing continuous processing and handling, certain packages may experience delays or even can get lost in the course of this journey. Please note that due to the time that has passed, this shipment has been declared as lost.  I have today processed the claim and made offers to the value of £75 as a goodwill gesture without prejudice. I do acknowledge that you have mentioned in your letter that the value was higher, however, you did not take out any protection to that amount. The protection for this shipment was £20 and we will not be increasing our goodwill offer any further.    Please log into your account online in order to accept our offer. Once accepted, our accounts department will process the claim accordingly. The claim payment will be processed and received within 7 working days.                                  In addition, a refund of the carriage fee will be processed as a separate payment and will be received within 3 working days.  If I can further assist, please feel free to contact me.   I have also just noticed that yesterday afternoon they sent me an email stating that "after my request" they have refunded the cost of shipping. I did not request the refund so will mention that in my letter as well.

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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.

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

Challenging information on credit file

Ferru

By Ferru
in A Word from the Banks

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Ferru

Ferru

Posted
Posted

I once challenged incorrect information on my credit file. A few weeks later got a letter from the credit reference agency saying that the bank concerned had checked their records, and were happy that the information in the file was correct.

 

Do banks investigate properly claims that the information they have supplied is incorrect? Or do they take the view that the computer doesnt lie, but the customer usually does, and dismiss all claims that the data held is incorrect without any investigation?

 

Does anyone have any advice on challenging information on a credit file?

 

Thanks in advance.

 

Jeff

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dave

dave

Posted
Posted

We have something in the pipeline that is BIG about this very subject.

If you feel that we have helped you, or you would like to help keep this web site running so that others can continue to get their money back, please click the donate button at the top of the forum.

Advice & opinions of Dave, The Bank Action Group and The Consumer Action Group are offered informally, without prejudice & without liability.

Use your own judgment. Seek advice of a qualified insured professional if you have any doubts.

 

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Add me as your friend on FaceBook - I need all the friends I can get :-(

 

http://www.facebook.com/profile.php?id=577405151

 

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Guest Mumofthreeboys

Guest Mumofthreeboys

Posted
Posted
We have something in the pipeline that is BIG about this very subject.

 

Can't wait for this :D

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daisy lighter

daisy lighter

Posted
Posted

I have been wondering if, taking all the various systems at work within the banking system that they would now be shareing information between the various lenders about customers who are challenging the lenders?

Not quite a CIFAS but some other confidential warning code or check?

(that we dont see)

 

If not I would imagine that it wont be long in coming .....

The thought worries me as I see peoples files on a regular basis and have come to the conclusion that nearly 50% of them contain info that is incorrect and in many cases ruins otherwise good files.

 

I have tried (with not great sucess) to help with getting info corrected or removed, however the advice given by the CRA's " contact us and we will issue a note of correction and investgate for you" means little more than nothing in most cases and people are left with deflamatory incorrect info on their credit files.

And this is the info we are allowed to see!

 

The more recent the mistake the more chance of correction but Ferru I think your assumption is correct - the CRA's seem to believe the lenders everytime and as far as I can see you will need to get your bank to change the info and if you can do that the CRA's will follow suit.

 

Sounds like Dave may have a different answer ?????

 

Anytime your ready Dave !!! :razz:

 

Cat

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Ferru

Ferru

Posted
  • Author
Posted

I look forward to hearing about it.

 

Can you give us any clues at this stage? What timescale are we looking at?

 

Regards

 

Jeff

 

We have something in the pipeline that is BIG about this very subject.
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Bean

Bean

Posted
Posted
We have something in the pipeline that is BIG about this very subject.

 

Top stuff Dave, looking forward to seeing this.

Regards,

Bean

Lloyds TSB - 27/11/06 - £6377 paid – rest with FOS

 

SETTLED

Cap One - 6/10/06 - £875

Lloyds TSB (MC) - 20/10/06 (BY DEF) £372

Hitachi Cap - Nov. 06 - £207

Citi Cards - 28/12//06 - £220

Monument - 23/1/07 - £889

Barclaycard (Mrs. Bean) - 19/2/07 £376

Opinions / advice of Bean are independent, informal, without prejudice, without liability, not CAG endorsed. If in doubt, ask a qualified professional.

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Bean

Bean

Posted
Posted
We have something in the pipeline that is BIG about this very subject.

 

Top stuff Dave, looking forward to seeing this.

Regards,

Bean

Lloyds TSB - 27/11/06 - £6377 paid – rest with FOS

 

SETTLED

Cap One - 6/10/06 - £875

Lloyds TSB (MC) - 20/10/06 (BY DEF) £372

Hitachi Cap - Nov. 06 - £207

Citi Cards - 28/12//06 - £220

Monument - 23/1/07 - £889

Barclaycard (Mrs. Bean) - 19/2/07 £376

Opinions / advice of Bean are independent, informal, without prejudice, without liability, not CAG endorsed. If in doubt, ask a qualified professional.

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ppauls150

ppauls150

Posted
Posted

I would like to see this aswell especially if it helps me to try and get rid of two defaults on my account which was paid and satisfied ages ago but contacted Vodafone who said they still wont remove them even though they are satisfied even though i did read somewhere that some companies will if you ask them. Hope this info is going to help me somewhere in this region. Getting rid of these two defaults will put my credit rating back into the good books and might be able to start looking at getting some of my higher interest rates lowered to better ones.

If you find this info useful please click on the scales in the bottom left corner of the thread :wink:

 

Vodafone To Remove Default Notices thread

Paid In Full HSBC Was Claiming £3851.42 But Instead of Paying Me Decided to pay my £4900 Loan OffDG Solictors. Need Help

Concluded Lloyds TSB 27/05/2006 Action Against LloydsTSB

Concluded Lloyds TSB for Girlfriend. 27/05/2006

Paid In Full Capital One £160 Settled

Paid In Full Capital One Sent 15/05/06 for £1372 for Girlfriend

Paid In Full Cetelem £130 Settled

Paid In Full The AA £400 Settled

Paid In Full First National £160 Settled

PDA LloydsTsb Credit Card Hand Delivered 26/04/06 £180

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telewest

telewest

Posted
Posted

edited

Telewest v RBS

[url]http://www.consumeractiongroup.co.uk/forum/royal-bank-scotland-bank/61214-telewest-rbs.html[/url]

Telewest v A&L

[url]http://www.consumeractiongroup.co.uk/forum/alliance-leicester/61215-telwest-l.html[/url]

Telewest v Halifax

[url]http://www.consumeractiongroup.co.uk/forum/halifax-bank/63775-telewest-halifax.html[/url]

 

If I've helped - hit the scales and rate me!

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meagain

meagain

Posted
Posted

I assume we're entitled to get the 1s and 2s removed too if they're for money we don't actually owe (e.g. charges, etc.)?

HSBC • Lloyds TSB • contractual interest • New Tax Credits • coming for you? • NTL/Virgin Media

 

Never give in ... Never yield to force; never yield to the apparently overwhelming might of the enemy. Churchill, 1941

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Bean

Bean

Posted
Posted
I assume we're entitled to get the 1s and 2s removed too if they're for money we don't actually owe (e.g. charges, etc.)?

 

Yes.

 

For example, in my County Court claim I contend that any late payment and overlimit notices on my credit record as a consequence of bank penalty charges must be removed. I am seeking a remedy to put my credit record back to the good condition it was in prior to unlawful bank penalty charges (and unlawful interest on those charges) being levied.

 

I have no defaults but the damage that late payment and overlimit notices can do to your record is significant and potentially costly.

Regards,

Bean

Lloyds TSB - 27/11/06 - £6377 paid – rest with FOS

 

SETTLED

Cap One - 6/10/06 - £875

Lloyds TSB (MC) - 20/10/06 (BY DEF) £372

Hitachi Cap - Nov. 06 - £207

Citi Cards - 28/12//06 - £220

Monument - 23/1/07 - £889

Barclaycard (Mrs. Bean) - 19/2/07 £376

Opinions / advice of Bean are independent, informal, without prejudice, without liability, not CAG endorsed. If in doubt, ask a qualified professional.

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  • 2 weeks later...
Bean

Bean

Posted
Posted
We have something in the pipeline that is BIG about this very subject.

 

Any news Dave?

Regards,

Bean

Lloyds TSB - 27/11/06 - £6377 paid – rest with FOS

 

SETTLED

Cap One - 6/10/06 - £875

Lloyds TSB (MC) - 20/10/06 (BY DEF) £372

Hitachi Cap - Nov. 06 - £207

Citi Cards - 28/12//06 - £220

Monument - 23/1/07 - £889

Barclaycard (Mrs. Bean) - 19/2/07 £376

Opinions / advice of Bean are independent, informal, without prejudice, without liability, not CAG endorsed. If in doubt, ask a qualified professional.

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jb79

jb79

Posted
Posted

I've had a look around and I can't find what I'm looking for.

 

Right I'v sent letters to everyone I can think of requesting information cash and credit file repair. Given this if there is anything left on the credit file it is false.

 

Is there a standard letter I can send to the CRA's to say that there should be no detrimental information in my file and that if there is they need me to help them investigate their error?

 

I just don't want to spend any money on a credit file that I can't charge back at this stage in the game £10 is way too much for the credit industry.

All done I think

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too strong

too strong

Posted
Posted

Me too, I have just back to sorting out my file and would definitely be interested in what is going on.

 

I am sick of the CRA's lack of responsibilty when it comes to the incorrect information they report for everbody to see. The relation of the banks and CRA's is way too close for comfort.

 

This may sound controversial but i think the sub-prime market has been boosted the profits of the banks by this very thing.

 

The banks profits increase when you can not get a decent mortgage / loan because of incorrect information, but then you have to go to a sub-prime lender who is another financial arm of the banks who have just rejected you for a loan, but you pay a much higher interest rate for the same loan.

 

So the CLIENTS of the CRA's profit even more.

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