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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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    • dx100uk
      EVRI have lost parcel £300 model kit

      By dx100uk · Posted

      ignore wrong thread dx
    • BankFodder
      EVRI have lost parcel £300 model kit

      By BankFodder · Posted

      Have we seen your court bundle?   If we haven't then it's probably an idea to post it up here especially the index page and the witness statement so we can see if there is anything which might need adding or changing 
    • T911
      G24 anpr PCN - Double Dipping - Wigan Robin Retail Park

      By T911 · Posted

      "Care to briefly tell someone who isn't tech savvy - i.e. me! - how you did this?" Its pretty simple although not obvious. You open the google maps app > click your profile picture > Click Timeline from the list > click today > choose the date you want to see the timeline from. Then you'll see your timeline for that day. Often, places you have visited will have a question mark beside them where google wants you confirm you have actually visited. You either click 'yes' if you have, or you click 'edit' to enter the actual place you visited. Sometimes, you'll see 'Missing visit' This probably happens if your internet connection has dropped out at that time. You simply click 'Add visit' and enter the place. The internet on my crappy phone often loses connection so I have to do that alot.   OK dx, understood mate. 
    • Strider713
      EVRI have lost parcel £300 model kit

      By Strider713 · Posted

      I have now been given a court date vs Evri, 4th Sept 2024. I have completed my court bundle, when am I expected to send copies to the court and Evri and should it be in hard copy or electronic? The Notice of Allocation states that no later than 7 days before the directions hearing both parties must send to the other party their final offers to settle. Does this mean I will have to tell Evri what I'm willing to settle? Rgds, J
    • LilMissM
      Can I get a Cifas marker removed?

      By LilMissM · Posted

      Sorry  Noted x   Ok how about this to the CEO? I know it sounds super desperate but lets call a spade a spade here, I am super desperate: Dear Sir, On 29th November 2023 I took out a loan of £5000 with you. Unfortunately very early into 2024 I found myself in financial difficulty (unexpected bills and two episodes of sickness and the tax office getting my tax code wrong resulting in less pay for two months) and I contacted you (MCB) on 13th February 2024 asking if there was any way I could extend the length of my loan to 36 months. I fully explained why I was requesting this and asked for your help. I did not receive a reply to that email so I again contacted you on 7th March 2024 to advise you of a change in my circumstances which resulted in me having to take out a DMP and asking you to confirm that the direct debit had been cancelled. You would have also received confirmation of this DMP from StepChange but you did not acknowledge receipt of my email. I have only managed to make one payment from my loan but did try and contact MCB to discuss extending my loan, help etc.  I have now therefore fallen behind on several of my debts, yours included, and as a result you have lodged a Cifas marker against my name for "evasion of payment", which has resulted in me having to change banks, which has been an extremely difficult process because of the Cifas marker. I do not feel you have been fair or given me the opportunity to fully explain my situation to you before you lodged the marker against my name. I appreciate it is a business and you have acted accordingly, but I did try to make contact to arrange alternative arrangements and at no point, not even to this day, did I ever intend to not repay my loan. I cannot stress to you enough how much this has affected my mental health. I am having trouble sleeping and my existing health condition has been exacerbated by all of this. What I would like you to do is to please, please remove the Cifas marker and let me make arrangements to pay the loan back through a DMP.  Please sir, I am begging for your help here. I am not a dishonest person and I have never been in a situation like this before. I am desperately trying to make things right but this marker is killing me. Please can you help me? I look forward to hearing from you. Yours faithfully,

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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.

Northern Rock PPI Claim

Jan4a
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pompeyfaith

pompeyfaith

Posted
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Hiya Jan yes ive been absent 4 a few days due to getting depressed and stressed over my mbna/optima case there has been movement on this case an update to which i posted last night on thread HELP cant give u a link as my fone browser does not allow any TY and i will be back upto full speed so6n 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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pompeyfaith

pompeyfaith

Posted
Posted

yes jan but they i can handle as that is only a dispute between us over the correct refund but optima that is downright misconduct and a pack of lies where the court has been decieved its all from page 65

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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  • 1 month later...
Jan4a

Jan4a

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Hi

 

Thought this was sorted but its not!! Can anyone confirm I am right/wrong with following next step please.

 

I wrote to NR about a month ago telling them I wanted to see the agreement before I signed the form to get my money. I have not heard back from them despite writing again and chasing for reply. Other thing I mentioned was credit record - I asked to see a screenshot since putting my claim in to make sure they'd put me down as dispute not unpaid and this hadn't affected my credit record.

 

So now I'm thinking of going to Ombudsman - complaints are:

 

1. They are asking me to agree to sign a credit agreement I have not even seen before they will release my refunded PPI money. Do they owe me this money or not? Who said they could attach strings to it?

 

2. When I first reclaimed I told them that irrespective of whether they agreed the missell or not, the PPI was now cancelled and they therefore had 3 weeks to let me have the new figure minus PPI to enable me to make my next payment on time. They did not supply this and did in fact have their debt collections people chasing me. I told them the same by phone and in writing. I have never previously had a late or missed payment. As I was chasing them for a new figure from my initial reclaim lette and they did not supply this, then I do not see how they can affect my credit rating.

 

3. As they have ignored my letter for over a month I now want another month's 8% on what they owe me.

 

Please let me know if I've forgotten anything - and, is FOS where I should take this, or is it FSA as missell is agreed? They're just messing about trying not to pay out.

 

Thanks

Jan

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alanalana

alanalana

Posted
Posted
Hi

 

Thought this was sorted but its not!! Can anyone confirm I am right/wrong with following next step please.

 

I wrote to NR about a month ago telling them I wanted to see the agreement before I signed the form to get my money. I have not heard back from them despite writing again and chasing for reply. Other thing I mentioned was credit record - I asked to see a screenshot since putting my claim in to make sure they'd put me down as dispute not unpaid and this hadn't affected my credit record.

 

So now I'm thinking of going to Ombudsman - complaints are:

 

1. They are asking me to agree to sign a credit agreement I have not even seen before they will release my refunded PPI money. Do they owe me this money or not? Who said they could attach strings to it?

 

2. When I first reclaimed I told them that irrespective of whether they agreed the missell or not, the PPI was now cancelled and they therefore had 3 weeks to let me have the new figure minus PPI to enable me to make my next payment on time. They did not supply this and did in fact have their debt collections people chasing me. I told them the same by phone and in writing. I have never previously had a late or missed payment. As I was chasing them for a new figure from my initial reclaim lette and they did not supply this, then I do not see how they can affect my credit rating.

 

3. As they have ignored my letter for over a month I now want another month's 8% on what they owe me.

 

Please let me know if I've forgotten anything - and, is FOS where I should take this, or is it FSA as missell is agreed? They're just messing about trying not to pay out.

 

Thanks

Jan

 

Stick with the FOS they are swamped and will take time to resolve your complaint. However you must keep the FOS updated with all the correspondences sent both ways ie copies of all the letters you have.

 

There is no quick fix to the PPI mis-selling issue as I see it. The problem could well take years to resolve such is the magnitude of the mis-selling of PPI. Whatever you must keep up with the claims for mis-selling because believe me it was mis-sold to the tune of billions of ££££s

 

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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  • 4 weeks later...
caro

caro

Posted
Posted

Hi Jan.

 

Was just looking for something on NR, when I came across your thread. What's the latest on this?

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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Jan4a

Jan4a

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Hi Caro

 

I have been rubbish and haven't written to them/FOS yet. Balls in my court, they're in no rush cos they got my money. Might give them a quick ring soon and ask them what's happening. Either that or just go to FOS.

 

Maybe I should just get my money then go after them on credit rating afterwards.

 

Need to make a decision ..............

 

Jan

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caro

caro

Posted
Posted

The credit rating issue is incredibly hard to resolve, especially if not included as part of your claim. I wouldn't bother with phone calls unless you can record them. Much better to keep everything in writing.;)

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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Jan4a

Jan4a

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Posted

Hi Caro

 

Thanks to your nudge (and being bored cos snowed in) I finally got back on to this today - sent them yet another letter, at least it will prove to FOS they've been using delaying tactics if it gets that far but I'm trying to avoid them as they take ages. And you're right, need the credit rating sorting before I accept money.

 

Don't know too much about credit ratings - will it make much difference if they put me down as missed payments for 3 months instead of disputed? My credit rating has always been good.

 

I've even done my first PPI reclaim letter to Barclaycard today - aren't I good! Just hope can get Post Office tomorrow to send them recorded.

 

Jan

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caro

caro

Posted
Posted

These snow days have their uses Jan. lol. Well done.

 

I think it could well damage your rating if it's put as 3 missed payments. Have you checked your credit files since missing payments? Might be worth seeing what's going on with them to make sure they're still ok.

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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Jan4a

Jan4a

Posted
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No I haven't. I'll figure out how to do it later - going Post Office now before we get more snow and its shuts again. They promised another heavy snowfall last night but it hasn't materialised yet - fingers crossed!!

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