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    • That's great news and thank you for letting us know. I'll amend your thread title. HB
    • Ironically, 2 weeks after no updates the parcel has been located and delivered today!! maybe the Evri system is not as bad as it used to be (for me, at least...). Annoying that I spent 3 hours yesterday brushing up on my consumer legislation, but at least I'm well equipped to handle any more issues going forwards! Apologies to have used up the forum's bandwidth and feel free to mark as "resolved".
    • Hi all. Just posting this for other users to take note of. We ordered some furniture from NCF Living in Hull and subsequently cancelled (before delivery) because of poor customer service. They now want to charge us a cancellation fee. (Fat chance). As a little background, they offer immediate delivery (7 to 10 days) on a lot of their products, because it's already manufactured and sitting in a warehouse somewhere. We ordered such an item. 18.5.24 Order placed and £190 deposit paid on a debit card. (0% finance on balance) about £2,000. Arranged them to hold for later delivery, 'cos we were about to move house. 01.06.24 Went into store after house move to fill in their "change of address" form for delivery. Problem: Finance company needed proof of adress. 02.06.24 Went back to store with Solicitor's letter from conveyance process. 06.06.24 Heard nothing further, so went back to store. The evidence had already been approved, but they hadn't told us.A printout of the file was made with notes at the top for store manager get in touch and arrange delivery. 24 .06.24 After an intervening holiday away, we'd still heard nothing, so went into the store to cancel. We were told that "admin" would be in touch within 14 days about the cancellation... Huh?! Asked for contact details of "admin" so I could call them direct (you should ALWAYS keep control of comms), but were told they had none. Went home and did a very painless chargeback for the £190 deposit. (Thanks Co-operative Bank). 25.06.24 Sooo, the day after cancelling, I get the first contact from them ever, trying to arrange delivery! Short summary of the conversation. Me: I cancelled the order yesterday. NCF: I know. Me: So, you've got a cancellation in front of you, but you're trying to make a delivery..? NCF: Well, if you want to cancel, there's a cancellation charge. Me: What costs have you incurred? NCF: We had to order the furniture. Me: It's "immediate delivery", so it's just sat in your own warehouse. NCF: We had to hold the order until you requested delivery. Me: So, it's stll sitting in your warehouse... What have you lost? NCF: You can't just cancel an order without paying the cancellation fee. Me: I just did... Yesterday. Goodbye. I've now emailed their customer services, confirming the cancellation... We'll wait and see... As a side note, there was a retired gentleman outside the store yesterday, buttonholing customers on their way in, warning them not to buy anything there. Apparently, he'd been parked there every day for 3 weeks. He paid £2,500 for a bed which had numerous faults. He was having problems getting a refund, so set up camp outside, to try and get some action. They have had the police visit him 5 times so far. He just explains that this is a civil dispute and they leave. He also showed me a laughable "banning order" that onsite Security have issued him. He said they were quite friendly and sympathetic when he told them the story and said it would probably take several months to go through any possible Court process to evict him. Anyway, I've referred him here. Don't know whether he'll turn up. I'll post further if NCF start playing games.
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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.

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      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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Yorkshire Building Society Endowment Shortfall Advice please


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YORKSHIRE BUILDING SOCIETY - ENDOWMENT SHORTFALL

 

 

I would be very grateful for any advice. I have an endowment mortgage shortfall leaving me with a £21,000 debton my 25 year interest only mortgage with the Yorkshire Building Society.

 

 

I am 60 years, severely disabled and my wife is my full time carer, we are totally dependant on benefits and was unable to do anything about the shortfall, we received a small amount of compensation some time back after commissions were taken. I have written twice to YBS setting out clearly our circumstances, I advised I would try and pay in extra to reduce the shortfall and I paid an extra £2000 this year leaving us short of money. I have asked them to extend the term by 10 years or make it a"lifetime interest only mortgage".

 

 

They telephoned in response to my first letter in May this year saying they could not do an interest only mortgage, and it would have to be repayment one, we were expecting a £30,000 shortfall, she spoke about a 5 year repayment mortgage due to my age, with repayments between £400 and £500 p/m, I told her this was impossible, I asked her to put everything in writing and was told this was NOT their policy, that she had already explained it over the telephone, I asked her to speak to a supervisor and he agreed, the letter did not reflect the telephone conversation, did notmention a repayment mortgage just said the shortfall had to be paid or our homewas at risk and I was happy and understood.

 

 

I continued to pay full interest and extra payments and wrote them another long letter as the mortgage was coming to an end and the shortfall was much less than expected, I requested again an extension of the term of the mortgage or a "life time"mortgage, I asked them to acknowledge in writing my letters and attachments.

 

 

I then received a letter saying they had received a cheque from my endowment company that left a £21,000 shortfall and could I forward a cheque for the balance, my letters and contents were being ignored, this seems so unprofessional, I wonder if they are trying to get me into a situation of unauthorised borrowing and hit me with charges, the house is worth £175.00 and I only owe £21,000 and have proved I can pay the interest, I cannot see why they would want to make a disabled family homeless and incur large legal fees, it seems so unreasonable, down sizing would not be practical as we live in a small mid terraced house.

 

 

The same woman has phoned and left a message, I do not want to speak to her again as she just repeats the same thing over and over again and ignores what I say, this pressure is impacting on my fragile health, the very least they should do is put in writing their position and a proposal to resolve the problem.

 

 

 

I really would appreciate any advice.

 

 

 

Bernie

Edited by Bernie259
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