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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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    • Nicky Boy
      Shock !!EVRI has lost my parcel PS5 - court claim issued

      By Nicky Boy · Posted

      Yep, true to form, they are happy to just save a couple of quid... They invariably lose in court, so to them, that's a win. 😅
    • Nicky Boy
      GroupNexus ANCR PCN - Petrol Station Roadchef Tibshelf South DE5 5 T

      By Nicky Boy · Posted

      Your concern regarding the 14 days delivery is a common one. Not been on the forum that long, but I don't think the following thought has ever been challenged. My view is that they should have proof of when it was posted, not when they "issued", or printed it. Of course, they would never show any proof of postage, unless it went to court. Private parking companies are simply after money, and will just keep sending ever more threatening letters to intimidate you into paying up. It's not been mentioned yet, but DO NOT APPEAL! You could inadvertently give up useful legal protection and they will refuse any appeal, because they're just after the cash...  
    • FTMDave
      Horizon ANPR PCN - overstay - Iceland Chester

      By FTMDave · Posted

      The sign says "Parking conditions apply 24/7". Mind you, that's after a huge wall of text. The whole thing is massively confusing.  Goodness knows what you're meant to do if you spend only a fiver in Iceland or you stay a few minutes over the hour there.
    • little old lady
      GroupNexus ANCR PCN - Petrol Station Roadchef Tibshelf South DE5 5 T

      By little old lady · Posted

      Hi and thanks It looks like they ticked all the boxes to me but I'll try and upload the notice. I was wondering if a witness to late delivery might be considered proof - I'm assuming they posted it as normal but Royal Mail stuffed up delivery. If not then they're really saying it just has to be posted within 12 days of the incident, regardless of when it is received. Annoying! edit ok thanks Honeybee here's my 2nd (actually 3rd) attempt at anonymising, copying and uploading the notice! Sorry about the state of it - I sat on it while distracted by my dog 🙃 pcn front.pdf pcn back page.pdf
    • tobyjugg2
      I see Octopus have started using the old EON 'tricks to try an install smart meters

      By tobyjugg2 · Posted

      ROFL - dont get upset just because someone (quite a lot of someones) dont want smart meters - well unless you get paid for it .. in which case ...   I assume you haven't been with Octopus long enough to be on one of the very long fixed price tariffs they offered before the prices went bonkers .. and that you dont use your electricity in the evening/lunch time if you think the 'agile type tariffs are good value .. let alone worth installing a smart meter for - high price a good disincentive for an evening cuppa eh? Let alone all your computer/tv etc time in the peak price evening or lunch time. - and boy do those peak prices instantly hammer your bill when those Russian and middle eastern issues kick off.   I would only have considered a smart meter if solar panels had been an option for me - but roof is oriented completely the wrong way. Oh - and My opinion hasn't changed since the smart meter trials 40 years ago, because neither have the issues (well not enough) but I'm happy for you. Be happy for me.

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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

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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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      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.

Picture Loans and the FSCS

Pinky69
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Pinky69

Pinky69

Posted
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Posted

For those of you interested in stats, putting £4000 of my compensation from FSCS towards repaying the loan and keeping my monthly payment at the same rate has reduced my payment term from 25 to 14 years and saved me £35000 in interest.:D

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  • 2 weeks later...
ITDonk

ITDonk

Posted
Posted

Was speaking to Picture today about my current arrears and I mentioned I was hopefully getting compensation for the miselling of ppi shortly, she said that even if the money is paid to me it all has to go towards the balance of the loan.

 

I didnt think this was the case?

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Pinky69

Pinky69

Posted
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No - it isn't the case. What you do with the money is up to you but if you don't use it to decrease the loan you will continue to interest on the PPI element that was mis-sold over the whole period of the loan. My friend paid the cheque from FSCS into the loan and will save herself £35000 in interest over the period of the loan.

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  • 2 months later...
ITDonk

ITDonk

Posted
Posted

I'm getting frustrated now, Deliottes still processing the application I am in touch with the person dealing with my case and they one minute say they have all the information complete the process then the next that they are waiting for other information.

 

Totally desperate now I am still out of work (but unable to claim on my insurance) and not paying the full picture loan, they are talking about legal proceedings as I am over 3 months arrears now. Getting this money will sort out my arrears and give me a cushion as I find a new job.

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Brian70

Brian70

Posted
Posted

I have been told that the FSCS have now received my claim back from Deloittes. Neither of them will tell me the decision(it is with a manager). Does anybody:

1) Know why the will not tell me the decision ?

2) Could it be changed ?

3)How long will they take to post me the decision ?

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ITDonk

ITDonk

Posted
Posted
I have been told that the FSCS have now received my claim back from Deloittes. Neither of them will tell me the decision(it is with a manager). Does anybody:

1) Know why the will not tell me the decision ?

2) Could it be changed ?

3)How long will they take to post me the decision ?

 

Not sure about the answers to your questions but mine has been at a status of awaiting technical information from the FCSC since the turn of the year so things dont seem to move too quickly.

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  • 2 weeks later...
Rickoza

Rickoza

Posted
Posted (edited)

We got our PPI back thanks to the FSCS in October last year. As for the loan from Picture, we had Charterhouse claims on this as we are absolutely certain they mis-sold it (one thing which sticks out is the house was valued much less than the total cost of the current mortgage plus secured loan, this by someone sent by Picture themselves). Charterhouse have just replied to say Picture had gone into liquidation. Far as I know they no longer exist and some other company is in charge of the loan. Now, as Picture mis-sold the loan, they appear to be no longer in existence, what can I do? Charterhouse suggested to contact the FOS as "I believe there may be a government pot to help in these instances" was the quote.

Edited by Rickoza
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  • 1 year later...
heidibing

heidibing

Posted
Posted

Hi Im just sending in my claim now against picture - ive sent the questionnaire into the fscs and I have the original loan agreement here (customer copy) when I send that in as my evidence does it have to be signed?

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  • 1 year later...
Lauren32

Lauren32

Posted
Posted

Yes it has now gone done to the next department, where calculations are conducted. However, this department does not make the final decision, once they have conducted all their assessments, which typically takes 4 weeks your file is sent back to the FSCS, where a final decision is made. You will receive a letter from the FSCS detailing the outcome of your claim.

Also, I am sorry but I am not authorised to say whether your claim has been successful or not, I merely gather all the information necessary for your claim to be assessed. I am no way involved in that process and am not privy to that knowledge.

I hope this helps

 

this is what i have been told today so fingers crossed its going in the right direction still a waiting game though

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Rickoza

Rickoza

Posted
Posted

Got a letter yesterday to say Picture Home Loans have had liquidators appointed (Deloitte and Touche). It went on to say they believe Picture have no funds to pay compensation for any claims against them now. Wondering what that all means now.

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