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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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    • Madmart58
      Lost items sent through Parcel2Go and EVRi

      By Madmart58 · Posted

      Thank you very much for your letter in regard to the above mentioned shipment.  Due to the high volume of parcels coursing through the courier network each day, undergoing continuous processing and handling, certain packages may experience delays or even can get lost in the course of this journey. Please note that due to the time that has passed, this shipment has been declared as lost.  I have today processed the claim and made offers to the value of £75 as a goodwill gesture without prejudice. I do acknowledge that you have mentioned in your letter that the value was higher, however, you did not take out any protection to that amount. The protection for this shipment was £20 and we will not be increasing our goodwill offer any further.    Please log into your account online in order to accept our offer. Once accepted, our accounts department will process the claim accordingly. The claim payment will be processed and received within 7 working days.                                  In addition, a refund of the carriage fee will be processed as a separate payment and will be received within 3 working days.  If I can further assist, please feel free to contact me.   I have also just noticed that yesterday afternoon they sent me an email stating that "after my request" they have refunded the cost of shipping. I did not request the refund so will mention that in my letter as well.
    • Angryman1404
      IDRWW letter and email received this week

      By Angryman1404 · Posted

      Hi I had to leave Dubai back in 2011, during the financial crisis. And only now have I received a letter from IDRWW. Is this anything to worry about about as I have 2 years left until it’s been 15 years(statute barred in Dubai). Worried as just got a mortgage 2 years ago. Could they force me in to bankruptcy? Red lots of different threads on here. And unsure what true and what isn’t. 
    • honeybee13
      Should we trust Sunak or the next PM to fix the Country's problems? (title revised 24/10/22)

      By honeybee13 · Posted

      Not that TOR will see this now he's thrown in the hand grenade. Rayner has plenty of female supporters on X, for a start. As for the council and HMRC, fair enough and I thought Rayner was already in touch with them. That's where it should be dealt with, not the police force. @tobyjugg2 Daniel Finkelstein thinks the same as you about tax. The Fiver theory. How the Fiver Theory explains this election campaign ARCHIVE.PH archived 28 May 2024 17:36:51 UTC  
    • London1971
      Lowell/Overdales Claimform - old Cap1 Debt

      By London1971 · Posted

      Often with the Likes of Lowells/ Overdales that 'proof' doesn't stand up to scrutiny.   Think about it like a game of poker, they want to intimidate you into folding and giving up as soon as possible, and just get you to pay up and roll over, that is their business model, make you think your cards are rubbish. What they don't expect, and their business isn't set up for it, is for a defendant to find this place and to learn that they have an amazing set of cards to play. Overdales don't have an infinite number of lawyers, paralegals etc, and the time / money to spend on expensive court cases, that they are highly likely to lose, hence how hard they will try to get you to roll over.  Even to the extent of faking documents, which they need to do because the debts that they purchased were so cheap, in the first place. Nevertheless it works in most cases, most people chicken out, when they are so close to winning, and a holding defence is like slowly showing Overdales your first card, and a marker of intention that this could get tricky for them. In fact it may be,  although by no means guaranteed that it won't even go any further than that.  Even if it does, what they send you back will almost certainly have more holes than Swiss Cheese, and if with the help you receive here, you can identify those weaknesses and get the whole thing tossed in the bin.
    • theoldrouge
      Should we trust Sunak or the next PM to fix the Country's problems? (title revised 24/10/22)

      By theoldrouge · Posted

      So Rayner who is don’t forget still being investigated by the local council and HMRC  is now begging to save her seat Not a WOMAN in sight in this video other than Rayner  Farage is utterly correct this country’s values are non existent in her seat   Rayner Pleads With Muslim Voters as Pressure From Galloway Grows – Guido Fawkes ORDER-ORDER.COM Guido has obtained a leaked tape from inside a meeting between Angela Rayner and Muslim voters in Ashton-under-Lyne...  

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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.

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      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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Parcel delivery insurance is prohibited under section 57 – Consumer Rights Act – Read about It Here and in The Times.

Tesco CCA - 2001...enforcable??

moneymummy1

By moneymummy1
in Debt Collection Agencies

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  • 4 weeks later...
moneymummy1

moneymummy1

Posted
  • Author
Posted

update:

response from Tesco:

"regarding your recent letter concerning the banks alleged breach of the cca I would advise you of the following:

Any request for a copy of an executed agreement under s78(1) states that the company must meet its statutory requirements by providing a true copy of the agreement relevant to the card product at the date the card agreement was made, plus a copy of the terms of the card product. These copies should be accompanied by the statement of the financial info relating to the account.

When responding to requests under S78 we are compliant if we provide a 'true copy' of the agreement in accordance with regulations 3(2) and 7(1) (B) of the consumer credit (cancellation notices and copies of documents) regulations 1983. This means that there is no obligation for us to provide a copy of the original agreement bearing signatures. Additionally, under regulation 3(2) a 'true copy' does not need to contain all personal information relating to the borrower, not does it need to include a signature box or dates of signatures.

we have supplied a copy of the credit card agreement that you agreed to after which you then received your credit card. we have also supplied a copy of the original and current terms and conditions of that card productwith the prescribed terms and a statement showing the outstanding balance. we have advised you who you need to contact to discuss amounts due and owing, and future payments that must be paid. we have therefore met our obligations under s78(1) to provide a copy of the executed agreement and again we are satisfied that what was provided complies with the regulations expressly made for controlling what is a 'true copy'

I must therefore inform you that we see no reason to enter into further correspondence with you about alleged CCA breaches. If you are not satisfied with this responsse you may seek whatever legal redress you consider open to you.

We do not consider this account to be in dispute and your indebtedness on this account remains due and payable and we will continue to purue for repayments as they fall due. Any non payments of the account will be recorded on your credit file as will a default if non payment continues.

I suggest you take advise from CAB or similar blah blah blah..."

 

this was dated 11th Jan (only just had chance to get it on here) and on 22nd jan Triton sent me a letter - the account has been placed with them and I should forward a cheque for the full amount or ue a debit or credit card to pay...basically the same as mint have issued via triton to me.

 

im not sure what the next step is and need help please!

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MandM

MandM

Posted
Posted

I can't see that their letter changes anything that's been previously suggested. I think Huff&Puffs response is very fitting of their efforts and i'd say the same.

 

Cannot read the T&Cs as i'm on a small screen and the print is tiny in your pics. But having a quick read back then that's not the issue here anyway.

 

Bog off letter (if anything at all)

 

M

 

M

 

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angry cat

angry cat

Posted
Posted

The only way that you will be able to ascertain as to whether the terms supplied are actually the inception terms, is of you to check the interest rate on initial statements and see if they match.

 

In any event Tesco are only talking about compliance with s78 and not about issues relating to enforceability!

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BornAgainBiker

BornAgainBiker

Posted
Posted

Hi, i've got a tesco cca i'd like somebody to give me 2nd opinion on.

 

however, having trouble getting a copy onto this thread. i scanned the document then copied it to ms paint to black out the account details. i then copied it to back to ms word doc and cant seem to get any furtther than this. can someone give me advice, thanks

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MandM

MandM

Posted
Posted
Hi, i've got a tesco cca i'd like somebody to give me 2nd opinion on.

 

however, having trouble getting a copy onto this thread. i scanned the document then copied it to ms paint to black out the account details. i then copied it to back to ms word doc and cant seem to get any furtther than this. can someone give me advice, thanks

 

After you've scanned it upload it into PhotoBucket (google it) and make your changes there. Then you can upload it from PhotoBucket.

 

M

 

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MandM

MandM

Posted
Posted
making a mess of uploading from photobucket. am i trying to upload the actual copy from photobucket of a link to the file. thanks

 

Once you have it in PB you will see that a little box pops up when you view the picture. If you click in the IMG box it will flash up as 'copied'. If not, then copy that link. Then paste it into a post on here.

 

M

  • Haha 1

 

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