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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
      JCI/BW PAPLOC - old Advanced Payment Solutions Ltd t/a Cashplus

      By dx100uk · Posted

      dunno you've not scanned up what you've had before how can we tell?  
    • Mezzle
      JCI/BW PAPLOC - old Advanced Payment Solutions Ltd t/a Cashplus

      By Mezzle · Posted

      Cca*
    • dave024
      Erudio/SLC

      By dave024 · Posted

      Today , after a lotof years i recieved a letter from this lot. Very friendly, "Were writing to remind you that we havent had any contact from you in a while".  The velvet fist, followed by  a veiled threat to get their preferred debt collectors involved. Yep dead right. In 1992/3 I took out a Student load under duress from DHSS. uP TO 2000 I hadsucessfully gotten deferment on low income. But rarther thansign on as unemployed,I decided to be self employed. I applied and they asked for all sorts of documents. I obliged and then correspondance ceased from them, circa 2001. To date  I have had no correspondance from Student Loans. I was made  redundant in 2009 and  reached 65 in 2012 , at which age the loan should have been cancelled. Now ,today, 12 years on retirement and 11 ( at least years after last contact) I get a letter with veiled threats. Do I , as I smell a scam a) ignore it and hope that Erudio will think that this phishing attempt has failed or b) respond with a statute barred letter or c) remind them of legal terms that loan should be cancelled 12 years ago or d) combination of b) +c)      
    • steam_hammer
      Another P2G / EVRi Lost Parcel Claim

      By steam_hammer · Posted

      But I'm not mixing and matching. Sure, when researching I do check multiple avenues, but when speaking, I will open a single post. The Fb post was made in March, it is now June, time has passed, and when the suggestion was made, no further information was given on how I should progress beyond "send a letter", which has meant that I've needed to start another stream - this one, but only after taking the time to research first.
    • jk2054
      Another P2G / EVRi Lost Parcel Claim

      By jk2054 · Posted

      hes not turning you away he is simply saying that you should stick to one channel of advice. he is perfectly happy with that channel being this forum, and he will help you   all he is saying, and I agree, is that you should stick to one help channel, not mix and match 3/4

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      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

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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.

      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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Parcel delivery insurance is prohibited under section 57 – Consumer Rights Act – Read about It Here and in The Times.
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Help needed Urgently Barclaycard/Mercers

gem77

By gem77
in Barclaycard

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slick132

slick132

Posted
Posted

Hi Gem,

 

I suggest you remove the letter posted above or at least hide the amount being demanded. :-)

 

All you need do is write to DML saying:-

 

Dear Sir or Madam,

 

DML Ref No: xxxx xxxx

 

I refer to your letter of 2nd November.

 

I wrote to you on xxdate advising you that this account is in dispute and I am awaiting data from Barclaycard which they must supply.

 

Until the dispute with Barclaycard is resolved, you should not contact me further seeking any payments.

 

If you contact me further before the dispute is resolved, I will make formal complaints to the relevant bodies including, but not limited to, the FOS citing breach of the OFT Debt Collection Guidelines Sections 2.8(i) and 2.8(k).

 

Yours faithfully,

 

Stay calm and deal with this, one step at a time.

 

Use your time while waiting for the SAR data to read up on reclaiming charges and PPI, and getting back the max possible by claiming interest in restitution.

 

8-)

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gem77

gem77

Posted
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Thank you so much Slick will get that off right away. I have taken off the amount from the letters dont know why I kept it on to be honest my head is not working properly today.

 

Slick really is my knight in shining armour. Whenever I try to write letters lately my mind just goes blank and i try to scour the site for some ideas and templates but the forums are so big now they are hard to find.

 

I am already familiar with claiming charges as claimed back my hubbys about 4 years ago but not so sure on ppi so will be doing some reasearch on this and deffinatley relating to interest as I think that is what will bump it up to a nice amount being it goes back to 1999.

 

Thanks laalinz and Slick for always being here for me. xxx

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gem77

gem77

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:lol: know what you mean laalinz :lol:

 

Right letter written and printed now gona do my letter for optima for mbna who kindly CPR18 me back, then too the post office to post them both and hope I hear no more from them all for a few weeks.

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slick132

slick132

Posted
Posted

Hi Gem,

 

If you want to claim interest in restitution, it has a greater benefit the further your charges or PPI go back. Read the Interest Tutorial at Link No3 in my signature (which is now working again).

 

The only thing is, BC will only provide data going back 6 years. If you want to reclaim older charges, you need the data from your old statements.

 

No rocking in corners please - not on my shift !! lol :lol:

 

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gem77

gem77

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Once again you guys have put a smile back on my face :-D And I promise Slick no rocking:lol:

Will have a read of the link over the next few days when I can grab a few hours to myself with no distractions, to digest it properly.

 

Now for a good nights sleep now i am feeling a little more at ease.

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slick132

slick132

Posted
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Document removed from post on previous page.

 

:-)

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gem77

gem77

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Thanks Slick. :-)

 

Hi Dotty. No I didnt either. But the only ones that have edit on the bottom are the ones I have just wrote confused me a bit but then thats not hard at the moment. lol

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slick132

slick132

Posted
Posted

I'm not sure that you are time-limited to edit posts.

 

If you hit EDIT, then GO ADVANCED. Scroll down and I think you'll find the MANAGE ATTACHMENTS button.

 

You can only remove an attachment and replace it - you can't edit a document.

 

8-)

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  • 1 month later...
gem77

gem77

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Hi All. sorry its been a while. had rather a hectic time of things. I recieved my cca request but sure enough only went to 6 years and low and hold the very first statement has ppi but not the rest so I obviously cancelled it 6 years ago. What should be my plan of action now? is there a letter to send saying I want more than 6 years? I have not heard anything since the cca request thankfully they have been quiet but i am sure it wont last long and the letters will start piling through the door again!

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slick132

slick132

Posted
Posted

Hi Gem,

 

Firstly, re EDTING posts, this can only be done by you up to 24 hours after the original post is made. Beyond that, you don't have a facility to edit older stuff. If it's important, REPORT a post using the black triangle in the bottom LH corner of each post and the team will edit as necessary.

 

You may be able to get some older statements using "Non-Compliance after SAR" action. See the Library and check out the letter warning of court action, and how to take that action.

 

This isn't an easy process and you may only get back minimal further data. However, any older PPI or penalty charges will carry significantly higher compound interest benefits.

 

Do the statements show many penalty charges.

 

8)

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gem77

gem77

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Hi Slick. just under £200 so not a great deal. the one ppi was for £40 though so there must be quite a few more of those dating back from beyond 6 years. Will have a look at the library again and see what I can find.

 

Thanks again.

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slick132

slick132

Posted
Posted

Reclaim the PPI and the penalties with compound interest in restitution but make a separate claim for the PPI.

 

8)

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Please give something if you can. We all give our time free of charge but the site has bills to pay.

 

Thanks !:-)

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  • 4 weeks later...
slick132

slick132

Posted
Posted

Of interest when the court wants your evidence (court bundle). Taken from another thread:-

 

 

A BC case for PPI was lost yesterday and we should always try and learn from experience or mistakes.

 

See here about including, in your court bundle, case law for :-

 

1. Section 32© Limitation Act 1980 re claiming beyond 6 years - Kleinwort Benson v Lincoln City Council.

 

2. Claiming interest in restitution - Sempra Metals v Inland Revenue Commissioners.

 

Google either case and you should find a summary. Eg for the Sepra case :-

 

http://www.google.co.uk/url?sa=t&sou..._XYE-HiuXVsRgA

 

and

 

http://www.google.co.uk/url?sa=t&sou...GhFnoz1Hq6wJGQ

We could do with some help from you

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                                            Have we helped you ...?  Please Donate button to the Consumer Action Group

 

Please give something if you can. We all give our time free of charge but the site has bills to pay.

 

Thanks !:-)

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