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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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      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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      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.

Anyone know if lloyds can do this?

ccjjl82

By ccjjl82
in Lloyds Bank

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ccjjl82

ccjjl82

Posted
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Ive had a visa cc with lloyds since 2001. Last year while I was in branch paying a bill they said they were changing from visa to airmiles and could i sign the form as it would save having to send it out to me. I think it was a new agreement. Wasnt really explained as the women ushered me into the room and said you just have to sign there to transfer your balance over to airmiles.

But if I do a CCA do they have to produce the agreement from 2001 or the new one? bearing in mind since the transfer I havent made any new transactions just paying off the (large) balance.

Only because if the account is disputed and they turn round with the new agreement, can I say, well actually the debt that is owed was actually accrued before the new agreement, therefore they need the 2001 agreement. Am I right?

Many thanks.

C

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foolishgirl

foolishgirl

Posted
Posted (edited)

Sorry you're wrong ccjjl.

 

What you have done is signed up for a completely new agreement, complete with new interest rate (if applicable) & governed by the CCA 2006 amendments etc. In other words, they managed to get you to sign away any rights you might have had under your old agreement & all done on the bank's premises. Oh dear. :(

 

The good news is that if you had any unlawful charges on the old account (over limit fees etc) you can still reclaim them & should do so, with speed.

Edited by foolishgirl
addition

Any knowledge I possess or advice I proffer is based solely on my experiences in the University of Life. Please make your own assessment of legality, risks & costs before taking any action.

 

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ccjjl82

ccjjl82

Posted
  • Author
Posted

Thanks for your post

ah bummer. Is this legal? She never said it was a new agreement! just that I needed to sign it so they can transfer over. But I guess its just another sneaky side of lloyds.

what I am currently contesting is ppi on a card, which they say I selected on the application form. So where do I stand here?

Thanks

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foolishgirl

foolishgirl

Posted
Posted

I guess you could argue that you were forced into without any proper explanation of what you were signing. To do so, you would have to make a formal complaint to the bank & escalate it through the levels.

 

Re. the PPI - is this on the agreement that they have just cancelled?

If so, can you post up a copy (minus all personal details) so cagers have a better idea of what you are contesting?

Any knowledge I possess or advice I proffer is based solely on my experiences in the University of Life. Please make your own assessment of legality, risks & costs before taking any action.

 

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ccjjl82

ccjjl82

Posted
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Posted

 

Re. the PPI - is this on the agreement that they have just cancelled?

If so, can you post up a copy (minus all personal details) so cagers have a better idea of what you are contesting?

 

Yes the PPI was on the old agreement, but I had cancelled it about 5 years ago, if this changes anything. I dont have any copies of any agreements. I didnt even get a copy of the new one :eek: oh my makes me think what they get up to. Have sent a SAR and CCA request anyway so when (or if;-)) they have anything I will post it up.

 

Will put in a complaint then about the signing of the new agreement, and let you know how I get on

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ccjjl82

ccjjl82

Posted
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Posted

I have typed up the letter, but I dont know if I should wait first to see what they produce with the CCA and SAR. They might send me the old one yet (hopefully). Do you think I should send it now or wait?

c

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