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    • Ive just checked the tracking again and its actually out for delivery today! Anyway,  I refunded the buyer on Ebay off my own back on the 2nd of June they havent opened a case or anything like that so surely i cant take action against either the buyer or P2G/ Evri can i ? Id hope the buyer would see fit and pay but you know what people are like these days ... Once its delivered I'll send him a polite message asking for payment but i suspect there'll be no reply      
    • Thanks for this update. Let's not if you have any more difficulty – in particular if you have difficulty getting paid back from the purchaser. We can help you either against the parcel delivery courier or against the purchaser
    • I'm still waiting for them to kick out sunak and bring Johnson truss and farage in late as it is - as an act of desperation. Tossuss and some others as well as those who were (alleged) brokering a farage ennoblement deal are promoting it aren't they?
    • Tories realise that they are likely to be in opposition for 10 years or more. And for those who lose their seats, they will be looking for new employment.  Sunak is like an accountant, suddenly put into a leadership role, but without the intelligence required to think in a multi dimensional way. 
    • .... So after a 14 day investigation with p2g i had a live chat with them yesterday ( 8th June) who said they didnt know where the parcel was but closed the case as i didnt take out their protectiove insurance.  So now at 07.33 on the 9th of june i was repling to this thread with all the relivent information to start a claim and i check the tracking of the 'Lost' parcel for specific dates to find the tracking has updated and the parcel is now at the recipients local depot  ? which is annoying because ive already refunded the buyer as i didnt want any negative feedback as it was an ebay listing and id want a refund if i was in his postion. So i posted the parcel with Evri on the 20/5/24  The delivery date was missed due to it being sent to the wrong depot and a case was opened on the 25/5/24 14 Investigation failed to locate the item in Evri's system and case closed on the 8/6/24 and now the tracking has updated on the 8th saying its at the recipients depot so is likey to receive it in the next few days .... Typical.  Oh well nevermind , thanks everyone  
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      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

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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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Welcome Finance : what to do!


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Hi, i got a loan from Welcome Finance back in December 2005, for 1500 they put medical insurance on and payment protection insurance. at the time i had a 7 month old baby and was working part time 16 hours a week,

 

In Feb 06 my hours were changed to 12 hours and i had to take alot of time of because my son was ill and had no one to look after him, in April i decided to become a full time mum. I told this to welcome and got no response. In the end i went to CAB and got help they told me to stop paying welcome the £27 a week i was paying and cancel all the medical insurance of which i did but they continued to charge, she then told me why i havent claimed on my ppi i told her i didnt think to.

 

We then tried to but got told that because i gave up my job and that i worked less then 16 hours a week not entiteld to it but yet i was still paying it :???:

 

In the end they got 20 a month but this stopped as they refused to cancel the policy so what i paid a month didn't even cover and it was just mounting up as they refused to freeze interest, the last i herd from them was in 2007.

 

The other week i got a letter of McKenzie Hall saying i owe £2574.55 they sent the original contract i signed over (i cant upload it as i don't have a scanner or anything like it)

but it reads =

total amount of credit= 2103.18

amount of credit for insurance =603.18

amount of cash in advanced =1500.00

 

duration =36months

amount of monthly payments 107.35

(to be paid one month after the date of agreement and then on the same date every month

 

other financial information

medicare 24 =50.00

optional payment protection insurance -553.18

total cash price = 603.18

 

total charge fro credit =1761.41

acceptance fee = 75.00

interest charge = 1686.41

rate of interest =51.1% variable by giving you 14 days notice

 

i started paying the loan one week after singing it, and i have only just notice the interest is variable, i thought they had gone into administration but was informed by McKenzie hall they had been brought over by another company, I spoke to FSA as they have ongoing cases with them and was told to claim back the ppi and the medicare 24, now i get letters say pay it all now!! no change i offered them 1pcm as my partner has only just returned to work and we have 4 children and other debts that are more important eg rent . I also checked my credit report and welcome updated to saying i owe over £5500!!! but i have a letter saying i only owe £2574.55! no idea what to do!

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right you need to do two things>>>>

 

one STOP TALKING to the fleecers on the phone ...never ever talk to dca's on the phone - esp mucky hall they'll fleece you blind.

two. do some reading of a few threads here - welcome owe you big time i suspect....

 

cancel the PPI and get reclaiming

 

i bet you have heeps of unlawful charges too luike letter/phone/cats died etc etc.

 

look at the FCFS link too up the top of the homepage .

 

dont worry there is nowt they can do to you.

 

can you SAR welcome please

or have you got ALL the statements already?

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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i have asked for the claim form over a week ago, but they had my old address? but got debt letters to new address?? she took new address but nothing also everything has been cancelled was ment to be back in may 07 but app lost everything that was sent to cancel i even remember the blokes name who i dealt with to sort it all! this is stoppin us getting credit for a car we need :(

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sar is subject access request

look in the library tab green up the top

 

you dont ask for a reclaim form

 

 

you do it yourself

 

pop along to the PPI forum

there are loads of threads there and here about how to reclaim PPI from welcome

also see the sticky up the top of the PPI forum 'notes for claimants.

 

do some reading you'll get the idea.

 

once you've reclaimed ppi and charges etc , you'll prob be able to get many of the defaults removed too.

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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i jave just found out that the debt agency collecting this debt did 2 credit checks on me in this year already are they allowed to do this??? it states they did it for outstanding debt but did a credit search on me

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