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    • Yup, well so far they have lied to me about responding to a CCA,  are threatening me with a default notice that they don't have, produced a knocked up version of my NOA, sent me 29 pages of spew for an agreement. No wonder they pay 5 p in the pound for that crap.
    • Paragraph 2. I think there should be further down and also you should make the point that the payment to was made unilaterally and without the imposition of any conditions. Paragraph 3 – this is unnecessary because you are not claiming as an entitled third-party. This worries me because it makes me feel that you haven't fully read around because this is a paragraph which you would include where you were suing EVRi as a beneficial third party because you had actually made your contract with Packlink or some other broker. I think you need to revisit and do some more reading. I'm afraid I have a sense that you have simply copied this from somebody else's witness statement without understanding that it wasn't necessary. Please can you post the amended draft. Other than the suggestions above, it looks okay – but let's see it again for a further appraisal. In terms of the evidence, parties bundle, I think it might be an idea to start off with the correspondence with EVRi and then go onto the other evidence. You will have to amend the index page accordingly. You could shorten this bit. Take 19 is pretty well blank and you may as well miss it out also, there seems to be some repetition of emails and the email chain. I think will be worth going through and getting rid of duplicates if you can. 49 pages is a bit long and it would be a good idea to try and reduce the number. I have a feeling that 50 pages as the County Court limit anyway. The judge will be happier with you if the bundle is smaller. Maybe you could reduce the size of some of the images or messages et cetera. You have got several messages which straddle onto a second page so that things like sign off information and standard confidentiality information become orphans. A bit of manipulation and they could be joined to their parents I think. Page 31 as an example. So is page 19. You may only be up to shorten the whole thing by 56 pages – but I think it would be a good idea. 56 pages is, after all, 10%. If you can do more then so much the better
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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.
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      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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London Personal Loans Limited


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I've sent a PPI claim to London Personal Loans, 1 Connaught Place, Marble Arch, London. W2 2DY. I sent it by Special Delivery, Royal Mail but when I tracked it on line I received this message:-

 

 

Your item with reference xxxxxxxx is being returned to sender.

 

 

This is either because the item wasn’t picked up by the recipient, or because we couldn't deliver it. Sorry for any inconvenience. Please allow for at least two days before tracking the return of your item

 

 

Can anyone help, should I just send it by ordinary post (but how can I prove delivery?) or is there another address anyone know of?

Abbey
- Data Protection Act (S.A.R - (Subject Access Request)) sent 15th July 2006

received usual Microfiche arguement and some statements

20th July - Microfiche letter sent

 

Nat West
- Data Protection Act (S.A.R - (Subject Access Request)) letter sent 10/07/06

 

Halifax Card Services
(Currently still open) - Data Protection Act (S.A.R - (Subject Access Request)) letter sent 19/07/06

Rcvd letter from HBOS plc - Thanking me for specific info - but request for info relating to manual info under no stat req to record this info?"

 

 

 

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In fact, put this into google

site:consumeractiongroup.co.uk "London Personal Loans"

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Thank you BankFodder, looked at Companies House and LPL Limited appear to have changed their name to Langersal No. 2 Limited. Got an address of First Floor Standbrook House, 2 - 5 Old Bond Street, London. W1S 4PD.

Also going to contact FOS for any more info.

Abbey
- Data Protection Act (S.A.R - (Subject Access Request)) sent 15th July 2006

received usual Microfiche arguement and some statements

20th July - Microfiche letter sent

 

Nat West
- Data Protection Act (S.A.R - (Subject Access Request)) letter sent 10/07/06

 

Halifax Card Services
(Currently still open) - Data Protection Act (S.A.R - (Subject Access Request)) letter sent 19/07/06

Rcvd letter from HBOS plc - Thanking me for specific info - but request for info relating to manual info under no stat req to record this info?"

 

 

 

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  • 1 month later...

I am in the process of reclaiming PPI from London Personal Loans, via their solicitors Lightfoots LLP. This was after tracking them down!!

 

I'm looking for a template to help me write a letter now that the 8 weeks are up for a reply to my claim.

The documents I sent with my claim, were the Acceptance Letter, the signed Loan Agreement and the Annual Statement of the account complete with opening balance showing the PPI.

I received acknowledgement and this response -

We can confirm that our client’s file was requested from storage. Once we are in receipt of the same, we will issue a full response to you on behalf of our client. In the meantime, we thank you again in anticipation of your patience

Any help on how to tell them I'm taking it further, please?

Abbey
- Data Protection Act (S.A.R - (Subject Access Request)) sent 15th July 2006

received usual Microfiche arguement and some statements

20th July - Microfiche letter sent

 

Nat West
- Data Protection Act (S.A.R - (Subject Access Request)) letter sent 10/07/06

 

Halifax Card Services
(Currently still open) - Data Protection Act (S.A.R - (Subject Access Request)) letter sent 19/07/06

Rcvd letter from HBOS plc - Thanking me for specific info - but request for info relating to manual info under no stat req to record this info?"

 

 

 

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The Acceptance letter was the letter from London Personal Loans accepting and issuing my loan, it was a covering letter with my agreement etc.

 

The solicitors replied to my original claim 'on behalf of their client'.

Abbey
- Data Protection Act (S.A.R - (Subject Access Request)) sent 15th July 2006

received usual Microfiche arguement and some statements

20th July - Microfiche letter sent

 

Nat West
- Data Protection Act (S.A.R - (Subject Access Request)) letter sent 10/07/06

 

Halifax Card Services
(Currently still open) - Data Protection Act (S.A.R - (Subject Access Request)) letter sent 19/07/06

Rcvd letter from HBOS plc - Thanking me for specific info - but request for info relating to manual info under no stat req to record this info?"

 

 

 

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Well if the 8 weeks are up then you are free to pass it over to fos to deal with and notify the lender that you have done so. This would be on the basis that they have failed to investigate within the allotted time

 

The other alternative is to start court proceedings but the onus would be on you to prove mis-selling

 

If you pass it to fos then you need to be prepared for a long wait.

 

ims

 

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Thanks ims, apologies for not keeping to original thread.

 

Do you think I should send them a reminder that the 8 weeks are up?

Abbey
- Data Protection Act (S.A.R - (Subject Access Request)) sent 15th July 2006

received usual Microfiche arguement and some statements

20th July - Microfiche letter sent

 

Nat West
- Data Protection Act (S.A.R - (Subject Access Request)) letter sent 10/07/06

 

Halifax Card Services
(Currently still open) - Data Protection Act (S.A.R - (Subject Access Request)) letter sent 19/07/06

Rcvd letter from HBOS plc - Thanking me for specific info - but request for info relating to manual info under no stat req to record this info?"

 

 

 

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Hi

 

If you wish you can send them a stern reminder that they have failed to adhere to the FSA requirements

 

If it were me I would send it to both the lender and the solicitor

 

ims

 

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