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    • Hearing held today in court. I attended in person and Evri had an advocate attend on their behalf to defend their position that my contract is with Packlink and not with them. I also provided a copy of Evri's terms and conditions which explains that a contract is entered into when a parcel is sent with Evri. The judge pointed this out to the Advocate and agreed there is a contract between me and Evri under the Ts and Cs. The judge explained that while Packlink are responsible for organising the delivery of the item, it is Evri who are responsible for handling the goods and delivering them, and therefor Evri has a responsibility to handle the goods with reasonable care and skill. So am pleased to say the judge found in my favour. Hearing lasted about 75mins. Evri has been ordered to make payment within 21 days. Also nice to meet @jk2054 in person.
    • Good morning,    I just wanted to update you on the situation.    I have visits piling up with my current employment and they need doing before I finish at the end of this month.  I am moving to Wiltshire in 3 weeks for a new job helping care homes with their Dementia patients. I tried to work it out and at a guess I will be doing about 20-25,000 miles a year. So need a vehicle that can cope with that mileage, my old car would have done it easy but 🤷‍♂️ I have taken out a loan and got a friend to find me a reliable car that can cope with the miles and hasn't been written off in the past.   I phoned Adrian flux to see if I could use the last months insurance on a new car I have bought, the girl I spoke to phoned Markerstudy and asked them but they said no, my new car doesn't have any modifications.    I had an email from someone who saw one of my appeals for information, they live near the site of the accident and know a nearby farmer who has a security camera at his entrance that catches the traffic and specifically registration plates as he has been robbed before. They said they would reach out for me and see if he still has the data. Unfortunately it wont catch the scene of the crash.   The Police phoned me and said they were closing the report I made, even if they found footage of the vehicle at the time I said the actual incident would be my word vs theirs.  My first response was I am sure google maps would show that they turned around at that location which would verify my version of events, but upon reflection I do understand, I have seen people doing make up with both hands while driving, eating from a bowl steering with their knees and veering all over the place. I am sure some of these people go off the road and claim that someone forced them off.    Markerstudy phoned me yesterday to say that my car is now at Copart, the £80 tank of Vpower diesel was emptied on entry to the site for safety reasons, which I get but it sucks.  It is awaiting being assessed and shouldn't be too long, which is a relief.  I am really glad things do not seem to be going the way of the other stories and they seem to moving quickly.   However I was informed that my car was a structural write off before I bought it - this destroyed me, I was almost sick.  and this is going to affect any offer of money - after hearing the first statement this didn't affect me.   They need to wait for the assessor to check it over but it is highly likely to be written off and the maximum they can offer is £2300.  I was desperate for a car as I was working for an agency at the time, no work no pay, and did not do a vehicle check because I didn't know about them.  The seller did not tell me that it had been structurally written off, he told me that it had the front wing damaged while parked and was repaired at an approved repairer.  Markerstudy records state that it was sold at auction, no record of repair at an approved repairer.  I bought it bank transfer with hand written receipt.    It gets worse.    It turns out my airbags should of gone off. For some reason they are not working. I think we can figure out why.  If I had hit that car head on and had no airbags.    Some good news.    I can arrange a time with Copart to go and take my stereo equipment and any personal items that are left in the car only. I cant live without music and need quality sound, my speakers and amps are Hertz and JLaudio, (no I am not a boy racer with booming subs, I am an audiophile on a budget) I was really worried I wouldn't get them back so this is a huge relief for me. It is stuff I have built up over years of saving and collecting. Everything to do with the vehicle and mods I have declared need to stay to be assessed.   The accident has gone as a fault on my record, I have to remove 2 years NCB which means I still have some to declare which is good.  So it appears at this point that it may be resolved quickly, not in the way I was hoping, but not as bad as I presumed it was going to be based upon that tow truck drivers attitude and behaviour and the horror stories I read.   I am not going to buy the car back and try to make money with all the parts on it, I don't have the time or energy.   I may need an xray on my back and neck.  The whole situation has left me feeling physically sick, drained and I need it done.   The lesson learnt from this  -  My conscience is 100% clear, my attitude to safety and strong sense of personal responsibility - A rated tyres even if on credit card, brake fluid flush every year, regular checks of pads and discs, bushes etc, made avoiding what I believed to be a certain broadside collision possible.   Get a dashcam (searching now for the best I can afford at the moment)  -  Research your insurance company before you buy  -  Pay for total car check before you go and see a car and take someone with you if you are not confident in your ability to assess a vehicle.      Thank you to everyone here who volunteers their time, energy and information, it is greatly appreciated.  You helped my sister with some advice a while ago but we weren't able to follow through, she is struggling with long term health conditions and I ended up in hospital for a while with myocarditis, when I got out and remembered it was too late.  I am going to make a donation now, it is not a lot, I wish I could give more, I will try to come back when things are on a more even keel.    Take care
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      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.

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Firstplus PPI claim


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Ummmm.....right. I'm afraid that maths was never my strong point - you've lost me there.

 

I get what you're saying about the first loan being paid off by the second, but I don't really understand how that would affect the calculations.

 

Maybe I should have a look to see if I can find any evidence of a PPI rebate.....then I'll know if it's something I have to worry about or not?

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Ok think of it this way

 

You take a loan of say £500 straight with no interest. Half way through you decide to take another loan, say for £750. Half way through the first loan you would owe say £250. So from your new loan, £250 of it will go to settle the old loan. So that £250 is being paid off through loan 2

 

Same with the PPI part of the loan. You are paying loan 2 ppi through loan 3.

 

The other point you have highlighted above as well though is that if you are paying the DCA amounts for loan 2 and yet loan 3 paid it off....why are payments for loan 2 still being made to a DCA?

 

Something very wrong here.

 

ims

 

ims

 

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No worries......many thanks for your continued assistance - very much appreciated..!!

 

OK let's crack this once and for all.

 

Can you post up the agreements for the first two loans like you did with the other one. (PLEASE MAKE SURE ALL PERSONAL STUFF AND ACCOUNT NOS ARE REMOVED)

 

I'll then give you a walkthrough of the figurework.

 

ims

 

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OK no sweat

 

Be nice for you to get this rounded off now so you can get your claim in.

 

I'll be around tomorrow

 

ims

 

Sorry - couldn't get any internet access yesterday.....here you go.

 

I've only attached one set of terms and conditions 'cause they were the same for both loans.

Firstplus20002.pdf

Firstplus10002.pdf

Firstplus30001.pdf

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OK here goes

 

loan 1 was for £35,000 plus a ppi premium of £8,571.50 = total of £43,571.50. PPI was therefore 19.67% of the total. This then means the 19.67% of each repayment you made was for ppi.

 

Take hold of the StatInt.xls spreadsheet and list the date of each payment, a description and the amount, i.e. 19.67% of whatever the payment was.

 

Do this right up until the last payment made on that account before it was refinanced.

 

When the loan was refinanced, did you receive a statement as to the amount of the settlement figure for loan 1?

 

ims

 

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OK, I've found redemption quotations for loans 1 & 2 - together with statements as to how the money was distributed. They do sort of add up, but the way the redemption figures were calculated is a little confusing. Rather than trying to explain it to you, would it be better if I posted them up?

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OK, I've found redemption quotations for loans 1 & 2 - together with statements as to how the money was distributed. They do sort of add up, but the way the redemption figures were calculated is a little confusing. Rather than trying to explain it to you, would it be better if I posted them up?

 

Good idea

 

Make sure all personal information and identifiers are removed first though

 

ims

 

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Ok, here we go.

 

You'll notice that the figures that were actually used are in the left hand column of each redemption quotation, as they tally up with the amount used to settle each loan as per the statements.....what the figures in the other columns represent, I'm not too sure?

 

What I'm really confused about though is the rebate figures?

Redemption quotation loan 20001.pdf

Statement loan 30001.pdf

Redemption quotation loan 10001.pdf

Statement loan 20001.pdf

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Hi

 

OK got back sooner than I thought.

 

The PPI rebate on loan 1 was £7,142.91.

 

Now, if you haven't already got it, get the LoanAnalysis spreadsheet from the last post of No.1 in my signature. Enter the three items needed at the top of the sheet...£43,571.50 for loan amount, 180 for term and £431.92 for monthly payment. I reckon you made 9 payments on this loan so look at the line for payment number 9 and you will see that the balance is £42,467.04.

 

We already know that the PPI is 19.67% of the loan so 19.67% of that balance is PPI = £8,353.26. They rebated you £7,142.91 so you have effectively overpaid at settlement by the difference, i.e. £1,210.35. This is the amount that is carried over into loan 2.

 

If you can confirm you're with me we can move on to dealing with loan 2

 

ims

 

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Yes, I think I'm with you - only problems is I can't get the spreadsheet to work.....probably because I'm using my partners laptop whilst my PC is in for repair & she doesn't have word. One other thing - the monthly repayment for loan 1 was £431.42, not £431.92......might be important later on?

 

Sorry if I'm being thick, but the repayment figure that you calculated doesn't tally with the Firstplus figure on the redemption quotation?

 

Thanks for your patience..!!

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Hi

 

You'll need excel to get these to work.

 

If I change the monthly repayment in the loan analysis sheet to £431.42, the balance at month 8 is £42,591 and at month 9 it is £42,465. Did you make 8 or 9 payments do you know?

 

Either way for our purposes it is close enough...they had a balance of £42,599.

 

ims

 

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So we are pretty close then....with 8 payments I get £42,591 and they have £42,599.

 

So if we take 19.67% (the ppi percentage) of their figure we get £8,379.22 and they rebated £7,142.91 so they rolled the difference into loan 2 i.e. £1,236.31.

 

If we agree at this point, we can move on to loan 2

 

ims

 

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Thought you'd say that !

 

So we know that £1,236.31 for loan 1 ppi was included in loan 2 in addition to the declared ppi on loan 2.

 

Loan 2 total was £57,265.40 (if I read the PDF correctly) so the £1,236.31 is 2.15% of that total. So 2.15% of every repayment you made on loan 2 is for loan 1 ppi. When you get the spreadsheet running, you list these amounts for every payment actually made up to the time it was refinanced by loan 3.

 

In addition you also list the ppi payments for the declared amount of ppi on loan 2. The ppi on that loan was £11,265.40 which is 19.67% again. So work out 19.67% of each repayment you made and list those in the spreadsheet.

 

When you're happy with that we can look at the settlement of loan 2 and the rollover into loan 3 (which itself didn't have ppi).

 

ims

 

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