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    • Are you allowed to appeal if you plead guilty?   I know you appeal the sentence, but the criminal record formed from your guilt would surely remain?   I'm not sure if your able to appeal a crimianl record if you plead guilty are you?
    • DX: I did not pursue Link after I got the CCJ amended to monthly payments. Pretty sure the CCJ does not mention reviews, I do have the CCJ somewhere, I will have to look it up in storage. It is as mentioned on the thread you referenced  in your post #28. The Barclays loan was taken out in September 2004 for 60 months! Current Balance remaining approx £2K. On checking back my past correspondence with Barclaycard about this loan, there was a history of them ignoring my letters and offers to pay, and I even had problems in obtaining their bank account details for them to accept my payments! I have received strange correspondence from them too, one referring to insurance which I did not have. They seem very disorganised! Barclaycard told me to pay "Masterloan" a while back and I now receive regular statements and arrears notices from "Personal Loans from Barclaycard" clearly marked Masterloan, they changed the account reference number! I have never requested a CCA on this account. I advised them of my change of address last September, but they are still sending, until today, statements etc. to my old address! I have received 2 letters from Barclaycard Loan today though, not opened them yet!!
    • Yes, a few months ago. They wrote back saying there was no CCA and the debt was unenforcable. I then started gtting bombarded with threatening emails from their 'litigations team' which have been sent to spam. I've now recieved the letter before claim with the PAP form enclosed, but still no CCA or even a letter from them to say the debt is deemed enforcable. Thank you.
    • That's a shame but not unexpected.  I'm not sure about your assumed  questions because I haven't been to court but I'm not sure about not accepting a criminal record. It could be a language thing but it isn't your choice unfortunately.  HB
    • Have you previously requested the agreement by a CCA request ?
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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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Holiday Insurance claim issue.


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Hello First post here.

 

My wife and I recently went to Corfu for two weeks holiday. Whilst there my wife fell and broke her wrist and I was hospitalised twice after picking an infection up. We missed our flight back as I was still in hospital so I arranged our own flights back to Birmingham with Thomson as Thomas Cook were only prepared to fly us to Gatwick. When we finally got back home after 20 days in Corfu I calculated my out of pocket expenses as 920 euros. I put a claim in to the holiday insurance (Argos Insurance for AIG) detailing everything clearly and today I received a cheque for £126 as "Full and final payment". I have no idea what this covers as there is no explanation at all.

 

Am I obliged to accept this or is it worth contesting it. I assume that AIG must be accepting some reponsibility as they have made a payment. To be honest after reading a lot of insurance related stories recently I wasn't expecting any payment. I thought they would have all sorts of reasons why they couldn't pay. I was hoping that if they did pay I would get more than £126!

 

Many thanks,

 

Dave.

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give them a call and ask them.

:x if i have been off any help to you please click my scales

 

cases won

28th July Single Claim for bank charges against LTSB, £6,800 WON with CI to date of Judgement

 

18th July Joint Claime against LTSB £7,800 WON with CI to date of Judgement.

 

 

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  • 1 year later...

Is it really that long since I made this post?! Sorry, but here is the rest of the story. Because I was hospitalised twice in Corfu the insurance company opened two separate claims. The above payment was for one of the claims. I received another payment for just under £700 for the other claim. They stated that there were some taxi fares that they would not cover. I decided to accept these payments as this had dragged on for months and months. This was not the fault of AIG though, it was caused by my GP. The insurance company wanted my GP to answer a questionnaire about my health. The GP's receptionist then left it on her desk from December 2009 until April 2010! AIG kept ringing me for information for months and although the GP's receptionist insisted it had been sent (and charged me £15 for it) it was eventually found when I walked in and "kicked up a stink"! I took the letter and posted it myself and the settlement arrived within weeks.

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