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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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    • 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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      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.

PPI claim with black horse

run3km
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run3km

run3km

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Hi I was wondering if someone can help me.

 

I took out a car loan with Black horseltd 3 years ago and was sold the loan and PPI by the company that sold me the car (local car dealer) who told me that i had to take it out or i was not likely to get the loan. I was not advised if i was already had insurance cover then i would not need it. I am a policeman and as a result i am well covered via them for insurance.

 

The PPI was added in full to my loan at the time of taking out.

 

I wrote to black horse ltd to claim for a mis sell who have wrote back stating that cause they did not sell the loan and it was the car company (3rd party broker) that sold it my issue is with them and not black horse.

 

Black horse have stated they have sent my complaint to the local car dealer to investigate and they should respone directly.

 

can anyone give me advise on how to progress from here.

 

thanks in advance

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run3km

run3km

Posted
  • Author
Posted

Hi I was wondering if someone can help me.

 

I took out a car loan with Black horseltd 3 years ago and was sold the loan and PPI by the company that sold me the car (local car dealer) who told me that i had to take it out or i was not likely to get the loan. I was not advised if i was already had insurance cover then i would not need it. I am a policeman and as a result i am well covered via them for insurance.

 

The PPI was added in full to my loan at the time of taking out.

 

I wrote to black horse ltd to claim for a mis sell who have wrote back stating that cause they did not sell the loan and it was the car company (3rd party broker) that sold it my issue is with them and not black horse.

 

Black horse have stated they have sent my complaint to the local car dealer to investigate and they should respone directly.

 

can anyone give me advise on how to progress from here.

 

thanks in advance

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MARTIN3030

MARTIN3030

Posted
Posted

Welcome to the site-will move your thread.

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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alanalana

alanalana

Posted
Posted
Hi I was wondering if someone can help me.

 

I took out a car loan with Black horseltd 3 years ago and was sold the loan and PPI by the company that sold me the car (local car dealer) who told me that i had to take it out or i was not likely to get the loan. I was not advised if i was already had insurance cover then i would not need it. I am a policeman and as a result i am well covered via them for insurance.

 

The PPI was added in full to my loan at the time of taking out.

 

I wrote to black horse ltd to claim for a mis sell who have wrote back stating that cause they did not sell the loan and it was the car company (3rd party broker) that sold it my issue is with them and not black horse.

 

Black horse have stated they have sent my complaint to the local car dealer to investigate and they should respone directly.

 

can anyone give me advise on how to progress from here.

 

thanks in advance

 

Firstly check out your Consumer Credit Agreement for the purchase of the car. If the cca shows the PPI added and it is an agreement signed by black horse then IMO black horse are the ones to claim from.

 

There are many incidents of creditor blaming broker and vice versa and somewhere in the melting pot is the issue of broker payments against what you are being charged. ie you buy a car, car dealer sets up PPI but at the end of the day this all appears on the CCA signed by the creditor. You make a claim for mis-sold PPI they blame the car sales who then blame the broker. Makes yer blood boil. So if your CCA includes a loan total and PPI and is signed by black horse go that route. I would guess you do not have a CCA signed by either the car sales or the broker.

 

hope this helps

 

aa

  • Haha 1

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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alanalana

alanalana

Posted
Posted

I have merged your two threads so keeping track will be easier

 

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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