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    • Below is my proposed letter of claim to Yodel. I would welcome comment.   Dear Yodel, Claimant x: claim for breach of contract loss of package xxxxxxxxxxxxxxx I am making a claim against you claim against for breach of contract relating to your loss of a package valued at £150.00. I refer to two webchats that I have had with your organisation following which I was advised that Yodel were not prepared to recompense me for my loss. This letter is being sent to in accordance with the Practice Direction on Pre-action Conduct and Protocols (the Pre-action PD) contained in the Civil Procedure Rules (CPR). In particular, I refer you to paragraphs 13 to 16 of the Pre-action PD concerning the court's powers to impose sanctions for failing to comply with its provisions. Ignoring this letter may lead to our my commencing proceedings against you and may increase your liability for costs. Circumstances leading to my claim against Yodel On 14 June 2024, I made a sale on eBay of a set of 3 Kirkland Signature golf wedges (‘the goods’) at a price of £150.00 plus £6.00 postage. I received payment from the purchaser via eBay and on 15 June I purchased postage from eBay’s Packlink. Packlink arranged the delivery of the package to the purchaser with Yodel. Having packaged the goods in wrapping paper, I delivered them on 15 June to the Shell petrol station on ……..and a tracking number of  xxx was given. Tracking showed that the package made it to your Leeds Depot on 15 June but thereafter the package went missing. The Purchaser had been advised that they were ready for collection at her local depot in Preston but they could not be located in Preston. I personally attended your Leeds depot where your helpful staff confirmed that the package had been scanned into that depot and was also scanned going onto one of your trailers (7DL 1436) bound for Preston but that thereafter the package was not scanned again and could not be located either in Leeds or Preston. Due to non-receipt of the goods, I was required to refund the buyer her £156.00. I have sought compensation via Packlink but they are only prepared to pay ‘basic compensation’ of £25.00. Through your webchat I have sought to make a claim against Yodel but have simply been referred back to Packlink suggesting that I do not have any rights against Yodel. You are referred to the The Contract (Rights of Third Parties Act) 1999 upon which I rely and which give me the right to sue on the contract just as if I was a directly contracting partner. I was a discernible beneficiary of the contract entered into by you with Packlink to deliver the package on my behalf. As the sender of the parcel I was somebody who was intended to benefit under the parcel delivery contract. In breach of contract, you failed to exercise reasonable care and skill to deliver the package to the purchaser but instead have lost the package. Given the scanning history of the package, it is likely to have been misappropriated whilst in your custody – a failure to take reasonable care to avoid such misappropriation.   My Claim against Yodel I wish to claim the sum of £150.00 being the value of the goods lost by Yodel   Relevant documents I enclose copies of the following documents that are relevant to this matter: 1.    A screenshot of the eBay sale of the goods and the tracking notes.   Alternative dispute resolution I am prepared to consider ADR.   I  look forward to receiving confirmation that accept liability for these matters, together with a full settlement of my claim, within [21] days of the date of this letter, namely by [DATE].] [In the absence of a full response by that date, I will issue and serve proceedings without further notice. Yours faithfully,    
    • I didn't know I had to go to the US. Were you there recently, TOR? I'm not sure you've been to London recently either. We know some 'average Americans' and I've asked what they think about things today, as it happens.
    • The scammers were posing as young women online to trick people into sending sexually explicit material.View the full article
    • To even ask that question you clearly haven’t visited anywhere in the USA recently The cesspit that is SanFrancisco Venice beach that no one in their right mind would visit  The open drug taking, crime, zombies everywhere (reminds me of Khans London) The Texan border towns flooded with illegals (The sole responsibility of Harris) And that’s before we get onto world matters  One sniff of Harris in the White House  and China will be into Taiwan Endless tax dollars being thrown at Zelenskyy for what reason? To keep killing Ukrainians? The average American hates it  The barmy Biden/Harris rush to net zero  Perhaps as President Trump can knock that lunacy on the head worldwide 
    • Their fees can go up with different stages of enforcement. They will almost certainly have charged the creditor the first stage (compliance) of £90 including VAT. This will be added to your bill though. Then they are allowed to visit with a view to entering into an agreement with you. They may charge £190 plus VAT for this plus 7.5% of anything over the first £1000. A second visit would trigger an additional fee of £495 plus VAT. Finally, they can visit with a view to removing goods for sale. They can charge £525 plus VAT for this visit plus 7.5% of anything over the first £1000. Not sure if these figures match with anything you have. You would need to ask which fees have been added. You shouldn’t have to pay the VAT. Hopefully, it isn’t a major issue given you won’t be dealing with the bailiffs.
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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.

      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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Paragon or Easy Loans?


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Easy Loans arranged a secured loan for us with Paragon. They charged us a single premium policy of just over £7000. I have decided to reclaim this amount but would just like to know who to claim from. Easy Loans or Paragon?

 

Please advise. I would also like to hear from anybody who claimed PPI with one of these companies.

 

Thanks

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I've just checked the terms and conditions. Paragon actually included a cash back document which states that they will refund the PPI, excluding interest after 120 months. The loan term is for 180 months. But the terms and conditions also state that should I miss a payment, they will not refund the PPI. Although I am up to date with my payments, I did miss a payment in the past. So what does this mean? Please help.

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Hello mey,

 

Easy Loans arranged a secured loan for us with Paragon. They charged us a single premium policy of just over £7000. I have decided to reclaim this amount but would just like to know who to claim from. Easy Loans or Paragon?

 

Please advise. I would also like to hear from anybody who claimed PPI with one of these companies.

 

Thanks

 

I've just checked the terms and conditions. Paragon actually included a cash back document which states that they will refund the PPI, excluding interest after 120 months. The loan term is for 180 months. But the terms and conditions also state that should I miss a payment, they will not refund the PPI. Although I am up to date with my payments, I did miss a payment in the past. So what does this mean? Please help.

 

I believe you may have answered your own question it looks like paragon are the ones to reclaim your PPI from. You could actually make them both answer by claiming the PPI back from both easy loans and paragon and then watch them pass the blame onto each other. Your terms and conditions and Consumer Credit Agreement is what may give a further clue.

 

If you could copy and post them up on your thread it could help but before posting make sure all the personal details are removed, such as names, addresses, telephone numbers, sort codes, account numbers.

 

Can you also supply details on date of loan?

 

for further information please have a look at the links in the stickies here are a couple.....

 

PPI - Some Notes for Claimants..

 

links there is a lot in this one including this.

 

For claims before 2005 and the FSA ruling from which campaign

How to tell if you’ve been mis-sold PPI

 

Quick check: were you mis-sold? - How to tell if you’ve been mis-sold PPI

 

Another Useful article on Single Premium PPI and why the FSA say it was unfair.

http://www.moneymadeclear.fsa.gov.uk...insurance.html

Payment protection insurance (PPI) – Refunds of single premiums : FSA Money made clear – Unfair contracts

 

Just browse there is a lot of useful information which could help you along the way to reclaim.;)

 

aa

I have no legal training and the advice I offer is a matter of support. Before you commit to any Legal action you are advised to contact a qualified legal practitioner.

------------------------------------------------

Bank charge successes:

Halifax - Full settlement incl interest.

HSBC - Settlement, goodwill no admission of liability about 75% of claim.

RBS - Settlement, goodwill no admission of liability about 70% of claim.

2 ongoing claims for bank charges with HSBC with more to come. (Supreme Court ruling could have upset these claims) They did :mad:

PPI Successes

PPI 4 settlements on 9 loans. FOS involvement on 7 added on the 8 % Statutory interest another 30% to both.

2 claims settled in full with LV without FOS involvement.

2 claims settled in full with HSBC without FOS involvement

 

PPI Claims ongoing with:

Cap one Now with the FOS

Barclays. Paid up today 24/04/10 cheque received for over £4,500 and in the bank.

LTSB still have to decide on this as their SAR production was abysmal. Papers data mixed up documents missing etc

 

1 Complaint not upheld by FOS they said it was ICO issue. Complaint upheld by ICO. See this..

Post 290 from

***RBS PPI Claim Long fight but, WON***

 

Please do not PM me for advice as it may be sometime before I can respond.

 

Keep at them. Do not give way and do not accept all they tell you, they will delay and stall for as long as they can to prevent repaying you your mis-sold PPI.

 

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Looking at the terms and conditions it would seem that you would be allowed to be no more than one months payment in arrears. I would however write and ask them to confirm that you will still qualify for the rebate of £7931.00 in 2015, having been one payment behind. If they say no I would consider cancelling the agreement and claiming all the PPI premiums paid so far plus the interest at 0.545% per month. You will probably find a cheaper option of PPI if you still need it. Some employers have cover for employees such as the Civil Service who would pay Civil Servants full pay for 6 months if off sick followed by 6 months half pay. Other employers will also provide similar benefits for their staff.

 

Looking at the policy it appears that the PPI is a single premium PPI and single premiums have just been banned from being sold and other PPI has been stopped from being added at the point of sale.

 

IMO write and see what they say then make a decision to get cheaper PPI and cancel and reclaim the existing one from paragon.

 

aa

I have no legal training and the advice I offer is a matter of support. Before you commit to any Legal action you are advised to contact a qualified legal practitioner.

------------------------------------------------

Bank charge successes:

Halifax - Full settlement incl interest.

HSBC - Settlement, goodwill no admission of liability about 75% of claim.

RBS - Settlement, goodwill no admission of liability about 70% of claim.

2 ongoing claims for bank charges with HSBC with more to come. (Supreme Court ruling could have upset these claims) They did :mad:

PPI Successes

PPI 4 settlements on 9 loans. FOS involvement on 7 added on the 8 % Statutory interest another 30% to both.

2 claims settled in full with LV without FOS involvement.

2 claims settled in full with HSBC without FOS involvement

 

PPI Claims ongoing with:

Cap one Now with the FOS

Barclays. Paid up today 24/04/10 cheque received for over £4,500 and in the bank.

LTSB still have to decide on this as their SAR production was abysmal. Papers data mixed up documents missing etc

 

1 Complaint not upheld by FOS they said it was ICO issue. Complaint upheld by ICO. See this..

Post 290 from

***RBS PPI Claim Long fight but, WON***

 

Please do not PM me for advice as it may be sometime before I can respond.

 

Keep at them. Do not give way and do not accept all they tell you, they will delay and stall for as long as they can to prevent repaying you your mis-sold PPI.

 

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Well as expected Paragon said that they did not sell me the PPI and that I should contact e-loans. E-loans does not trade anymore so I assume I will have to contact the FSCS. Should I send another letter to Paragon? I'm going to cancel my PPI anyway but should I also mention that I think they should refund my PPI?

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Well as expected Paragon said that they did not sell me the PPI and that I should contact e-loans. E-loans does not trade anymore so I assume I will have to contact the FSCS. Should I send another letter to Paragon? I'm going to cancel my PPI anyway but should I also mention that I think they should refund my PPI?

 

I would cancel your PPI but please ensure you have cover from another source you can get PPI relatively cheaply if you shop around. Do not leave yourself at risk:eek:.

 

It is obvious Paragon have put up a brick wall against your complaint but IMO they are the ones who have signed the Consumer Credit Agreement.

 

I would submit a complaint to the FOS about Paragon. You can find all the relevant information in the links below. Telephone numbers addresses and the FOS will help you to get started. I would not accept what Paragon are telling as the CCA is signed by you and them and no one else. So complain and let the FOS make a ruling. If the FOS do not uphold your complaint then you can still make a claim through the FSCS. The fact you bang in a complaint against Paragon will at least make then have to pay the FOS a £500 fee so that is no bad thing.:D I will have a bet that the FOS will uphold your complaint but it will take a long time for you to get a result.

 

Links that may help with your claim for Mis-sold PPI

Financial Ombudsman Service

 

http://www.financial-ombudsman.org.u...-insurance.pdf

 

The FOS will probably give you a case number make a note as you must use this on all correspondence also make copies of all the letters you have from Paragon and the ones you have sent because the FOS will require copies to help them assess your complaint.

 

Do not give in I believe you will eventually get your PPI back.

 

aa

I have no legal training and the advice I offer is a matter of support. Before you commit to any Legal action you are advised to contact a qualified legal practitioner.

------------------------------------------------

Bank charge successes:

Halifax - Full settlement incl interest.

HSBC - Settlement, goodwill no admission of liability about 75% of claim.

RBS - Settlement, goodwill no admission of liability about 70% of claim.

2 ongoing claims for bank charges with HSBC with more to come. (Supreme Court ruling could have upset these claims) They did :mad:

PPI Successes

PPI 4 settlements on 9 loans. FOS involvement on 7 added on the 8 % Statutory interest another 30% to both.

2 claims settled in full with LV without FOS involvement.

2 claims settled in full with HSBC without FOS involvement

 

PPI Claims ongoing with:

Cap one Now with the FOS

Barclays. Paid up today 24/04/10 cheque received for over £4,500 and in the bank.

LTSB still have to decide on this as their SAR production was abysmal. Papers data mixed up documents missing etc

 

1 Complaint not upheld by FOS they said it was ICO issue. Complaint upheld by ICO. See this..

Post 290 from

***RBS PPI Claim Long fight but, WON***

 

Please do not PM me for advice as it may be sometime before I can respond.

 

Keep at them. Do not give way and do not accept all they tell you, they will delay and stall for as long as they can to prevent repaying you your mis-sold PPI.

 

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  • 3 weeks later...

Hi

Please can somebody help with these calculations. Just can't get my head around the figures.

 

Our loans was for £36 000. On top of this they added £7931 for PPI. On the agreement is says the PPI will be £12772.80 with interest. We started paying this loan in December 2005. I've cancelled the PPI at the beginning of this month and asked for a statement. The statement says that I've paid £3253.59 for the PPI up to the date I cancelled. At the moment the FOS is dealing with my mis-sold PPI so I think they will be working on the amount of £3253.59. What I don't get is the new loan instalment. Last month the instalment was £438 which £78.98 was for PPI. When I asked Paragon what my new instalment is they said £417.11. This does not make any sense and I'm very confused. I'm not really sure what to do and would appreciate some help with the monthly instalment.

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Thanks, I assumed that was the case. What confuses me is the monthly repayments before I cancelled the PPI and after I cancelled the PPI. According to their statement my monthly payment was £438.00 which included £78.98 for the PPI. Now that I cancelled the PPI, they reckon my monthly payment is £417.11. How did they work that one out? Surely my monthly payment must be £438.00 minus £78.98. Right or wrong?

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Mey it would appear that they have changed the interest rate very naughty of them as the interest rate should stay as it was.

 

I see this loan was a variable interest rate loan so it looks like they are leaning on this to up the payment also naughty of them at a time when interest rates are coming down.

 

As the FOS are dealing with this complaint you need to inform them of this by letter.

 

Regards

 

PF

Finally if you succeed with your claim please consider a donation to consumer action group as those donations keep this site alive.

 R.I.P BOB aka ROOSTER-UK you have always been a Gent on these boards and you will be remembered for that.

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  • 3 weeks later...

So today I received a letter from Paragon which states:

 

"In signing your credit agreement, you confirmed that the premium for the insurance of £7931.00 was to be added to the amount of your cash loan. Paragon, in good faith, has funded the purchase of the insurance on your behalf. On cancelling your insurance the rebate you were entitled to was £1156.78 which was applied to the outstanding balance on your account".

 

Can somebody please advise me as the PPI premium with interest was £12772.80. Surely they should refund at least part of the interest.

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