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    • Hi All. My other halfs car was having issues when she was on a trip visiting family up north at the begining of January.  She ended up leaving it at my friends garage in the same location, who parked it on his forecourt to investigate the issue, howver said most likely it is beyond economical repair as its a serious gearbox fault. In the meantime i replaced her car with one of my spare cars. The insurance on the car then expired in at the end of January.  When the insurance expired, I sent a paper V890 paper as i didnt have her V5 Reference number in hand to do it online.   She then cancelled her road tax at the end of March (i think) as she was paying by DD. Unfortunately, as we where travelling we missed all the post until last week. We recievd a letter dated 09/04/2024 stating she had failed to insure the vehcile and there was a £100 fine which could be reduced to £50 if she respons by 11/05/2024.  As soon as we noticed, i dug out the documents and SORN'd the vehicle.   My friend has been a bit slow in checking the fault, however i suspect it will still be scrapped. Is this possible to appeal?
    • worthy to not forget Just to let you know this bunch Kensington have been fined £1.225m by the financial regulator for treating borrowers who were in arrears unfairly. Claim those charges back plus the interest and tell them not to add any more to the account. There are a few news stories here you can get the info for a letter to send to them. http://news.bbc.co.uk/1/hi/business/8615870.stm  
    • Hi All. I went to visit a family friend in Rochdale on a new housing estate opposite a old row of houses. The location is Royle Road, Postcode OL11 3PE. I was originally parked in parking bays outside the old houses, then moved the car, when I noticed my tyre was flat, so parked on what looked like double yellows to use his air pump to check and inflate the tyres before we left the house.   In the time i went inside to sort the pump and power supply i got a PCN.  The tyre then got changed (has a puncture) and we left. PCN Number:         RE######## Date:             04/05/2024 Time:             20:36 Observation:         20:34 to 20:36 Reported location:     Royle Park Road Reason:        Parked in a restricted street during prescribed hours (Code: 01) I believe this PCN is not correct and has grounds to appeal: 1. My friend who moved into the property around 6 months ago, swears that even though it has old double yellows marked, they are not current or council marked.   He said the property development company had said they had marked them for ease of access during development. 2. The road i was parked on was Royle Road.  The PCN was issued for Royle Park Road, which is about 400 yards up the road. 3. There are no sign posts or marking showing parking  restriction hours in the entire area (there maybe on Royle park Road). I have attached a map of the Location where i parked as a red dot. I have 2 questions: a.  Is there a way to check where double yellow lines are marked on some register to check if they are current? b. Can my grounds of appeal simply be, wrong location, wrong offence? Thanks in advance. Map_20240505.pdf
    • you made it very confusing, though i doubt any of it was ever read by the delivery franchise for DPD. your saving grace might well be you didn't select your own address (though if you are all the same postcode..??) and neither mentioned a safe space other than another neighbour. but with the actual delivery address on the parcel, it appears the driver had a choice of 3 addresses, all under the same post code with differing house numbers. so chose the label one but left it on your doorstep. play it carefully and along with the photo and the retailers requirement you should be ok.   dx  
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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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Egg loan single premium ppi


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Hi

I took out an Egg loan in 2005 to consolidate some credit cards. The original loan was for £9000 and the ppi single premium was £2085. My monthly repayments were £170. I felt pressured at the time into taking out the policy but I don't believe I knew what I was buying and was just happy someone would lend me money. In about 2007/8 I refinanced with Egg with a new loan which was £13000 at 12.5%. This loan has since been taken over by Moorgate but when I called them they said I didn't have ppi. I have my paperwork for the original loan but not the more recent one.

I have written to Egg to complain and request my money back plus interest etc using the template letter. My question is how much should I expect to be offered?

I can't open your spreadsheet as I don't have the right version of excel to do the calculations. Just a ball park figure would do.

I think I am owed the original £2085 premium plus 8% interest on that plus the 18.9% of each of the payments of £170 per month I made which I calculate to be about another £2600.

What would be a reasonable offer from Egg? C

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Hi - I am trying to get my head around this. I have starting completing the spreadsheet but want to check I am getting it right.

My original loan was for £11,000, £2085 of which was the single premium ppi. That means that the premium was 18.9% of my loan. My repayments were £170 per month so 18.9% of that is £32.13. Do I reclaim £32.13 for every month since the loan was taken out and do I then add up all the interest on that £32.13 as per the spreadhsheet? Or does that £32.13 decrease over time? Can you help? It seems to add up to an awful lot...

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