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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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    • jk2054
      Evri lost 2 parcels approx. £600 (part 2)

      By jk2054 · Posted

      Just a typo change that I'd make for the last line. Maybe also add something that says "I assume you will be fully aware that you cannot rely on a clause of a contract that you do not produce."
    • jk2054
      Santuary Housing

      By jk2054 · Posted

      Hello, Firstly, and most importantly I am sorry for your loss. I would go back to the bank with the death certificate and ask them to step in. Remind them firmly but politely that there is no limit for DD claims   Please let us know how you get on.
    • finaldj
      Santuary Housing

      By finaldj · Posted

      My wife is the named person to his bank account with him having Dementia being his daughter (I say named person she still is but he recently passed away and the deputyship application has now being stopped by the solicitor as it's no longer needed) We've only just got the Death Certificate so the bank will be the next step informing them. She went to the bank and explained the situation but even being his named person the bank said she didn't have the power to stop DD without any legal documents (virgin money) was the bank. She could have copies of bank statements that was about it.
    • jk2054
      Santuary Housing

      By jk2054 · Posted

      I see you said you tried to stop the DD but it seems that didn't work. May I please ask why that didn't work? You should be asking your bank to cancel the DD and I don't see why they would have objected, hopefully you can clarify this. I agree that you should be making a claim here against your bank and ask them for a DD refund. There is no timeframes for this.
    • finaldj
      Santuary Housing

      By finaldj · Posted

      Thanks DX,   I wasn't aware we could do that for that length of time. I'll ask my wife to check with the bank this week

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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.

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

PPI calcultion help HBOS

arniebear
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arniebear

arniebear

Posted
Posted

Hi everyone. I have received my SAR from HBOS for my credit card started in 1999 which I closed in 2007 (and yes they have sent statements for all of these dates :-o) I am now completing the running PPI calculator but do I need to continue after I cancelled PPI in 2003 or do I continue to the card cancellation date

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ims21

ims21

Posted
Posted

Hi

 

Continue to the card cancellation date, that way you have a full reconstruction of the account

 

ims

 

 

PS...are you saying you got statements/transaction history back to 1999?

 

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arniebear

arniebear

Posted
  • Author
Posted

I finally stopped in Dec 2005 as all the statements after that had a zero balance, So being realistic what can i roughly expect to get from them, Would it be just the PPI or would I get simple 8% or can I expect the compound interest too. I have been self employed since I was 18 years old so it was definatley a mis sell

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ims21

ims21

Posted
Posted
Thank you, Should I put the calculation sheet in with my claim letter? ( Sorry for all the questions this is my 1st one)

 

Don't worry about questions....that is what we are all here for.

 

Yes included a copy of the spreadsheet with your claim letter. Don't forget to also send the completed fos questionnaire

 

ims

 

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arniebear

arniebear

Posted
  • Author
Posted

Today I have recieved a rejection from HBOS for my credit card claim

 

My reasons for mis sell were, I have been self employed since the age of 18 and I have always had a seperate insurance in place in the event that I couldn't work and any policy would of been no good to me. Also I was not aware of the PPI being added to the account.

 

Their reasons for rejection are.

I applied for the PPI by direct mail ( I don't remember doing this)

 

The policy documentation would of explained the limitations of the PPI and I was not significatley affected by the exclusions. (surely any exclusions make the ppi not worth having)

 

The CCA shows an additional signature in the consent form to confirm that you wanted PPI added to your account. (There has been no copy of the CCA sent to me when I SAR'd them. The account was closed in 2007 so I didn't expect one )

 

So my question is do I contact them again stating my points above or do I go direct to the FOS

 

Thanks

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ims21

ims21

Posted
Posted

Hi

 

If it were me I'd write back and refute each point on which they base their decision and go into as much detail as you need to.

 

Tell them that if they have this evidence of your signature on a consent form you want to see it and they should send it to you. Ask them to explain why this piece of personal data was not sent to you with your SAR request as you are sure the ICO would be interested in the reasoning behind withholding data.

 

I would give them one more go purely because fos will take a long time and if you can resolve this yourself it will be quicker.

 

ims

 

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