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    • Thanks for the clear info. about how the estate and parking is organised.   Considering most letters drafted here are a load of abuse directed at the private parking companies, I thought the language was very restrained!  There's not an insult in there 🤣  More seriously, all the legal points in the letter are correct and I think it's good to go.  The agency "should" act and get the ticket withdrawn, but on the other hand they might well not have a clue about the law and refuse to cooperate, even if that would be worse for both you and them.  Still, it's only a stamp and nothing ventured ...   Do you know the history of the industry?  Once upon a time there was only one trade association, the BPA, with a half-decent appeals body POPLA, which often found in favour of the motorist.  This situation was unbearable for the more crooked of the PPCs like UKCPM who trotted off to a new rival association where the IPC association, its appeals body the IAS, and the firm of solicitors who most usually take on these cases ... are all run by the same people!  No conflict of interest there!  The IAS twist everything to always find in favour of the PPC.  The best analogy I can think of is the Mafia.  The Mafia no doubt have their own internal logic about oaths, what amount of protection money it is reasonable to demand, what you can to someone who cooperates with the police - none of which has any connection to the law of the country.  That's how the IAS operate.  Motorists who appeal just encourage the PPC by showing respect for their crooked "procedures", and are at risk of throwing their legal protection under the POFA away by outing themselves as the driver.   If you look in our PPC Successes thread at the top of the page (starting from the most recent cases), concentrating on cases that went to court, you'll see that in their Witness Statements the fleecers do indeed often say the motorist "should" have appealed.  I can't remember one case where the judge was the slightest bit interested in that argument.   It'll be somewhere in the POFA, Schedule 4.          
    • make sure your PDF is lees than 4.8Mb's.   why wont it upload what is the error?   dx  
    • Thanks for all the help, folks, in terms of whether to reply or allege harassment - well being harassed itself it is advised anyway not to respond to them in the first instance. So as Fruit Salad and DX says ignore until letter of claim and not confirm ID which is what I will do.   As I said I note it here as part of the timeline, and just keep records of it for later if necessary. Not intending to do anything with it just yet.  
    • The Financial Ombudsman Service [FOS] has finally come back to me with its thoughts on a long-standing complaint about mis-sold PPI.   The policy was sold to me in April 1997, which, as I appreciate, is before policies became regulated by the FCA on January 14, 2005.   The policy was sold to me by Cofidis which at the time of the sale was not covered by any of the schemes which were applicable before the FCA regulated the sale of PPI policies so the FOS has asserted that my complaint cannot be pursued there.   However, I was already aware of this and my complaint to the FOS was not against Cofidis but the company that provided the cover for the PPI policy, Chubb European Group SE / ACE Insurance S.A. [‘Chubb’] which, at the time of the sale, was covered by one of the schemes that existed before 14.01.05.   The FOS acknowledges this but has said: “There does not appear to have been any direct connection between Cofidis and Chubb at the time of the sale. So the only way Chubb would be responsible is if we can establish that Cofidis was acting as an agent of Chubb when selling the PPI.”   It is the above with which I struggle to agree, but would appreciate the thoughts of those with more expertise than me in these matters.   Firstly, it seems to me there was a direct connection between Cofidis and Chubb. I have supplied the FOS with a copy of the original terms & conditions of the policy [attached here], which is titled ‘Cofidis Limited Protection Plan’ and refers throughout to Chubb. Moreover, it also states that should you wish to cancel the cover at any time you must do so not by writing directly to Chubb but to Cofidis.   This being the case, it seems clear to me that, contrary to the FOS’s assertion, there was ‘a direct connection between Cofidis and Chubb at the time of the sale’ and, what is more, it is entirely conceivable that there was an agency relationship between the two.   The FOS goes on to make the point that it contacted Chubb which advised that it ‘did not have an agency relationship with Cofidis’. Of course, they would say that wouldn’t they! More to the point, when I complained to Chubb, contrary to what they subsequently told the FOS, they said: “Unfortunately, due to the passage of time we no longer hold any information to confirm the relationship between Cofidis Insurance and Chubb when the policy was sold.’   In these circumstances, it is my belief that as a member of the Association of British Insurers, Chubb had an obligation to act in accordance with ABI guidelines and take measures to ensure that any third party, such as Cofidis, selling PPI policies on its behalf did so in accordance with the industry codes of good practice.   Any thoughts gratefully received.   Thanks in anticipation Fred Funk   Cofidis Limited Protection Plan-1-merged_compressed (1).pdf
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    • Hi @BankFodder
      Sorry for only updating you now, but after your guidance with submitting the claim it was pretty straight forward and I didn't want to unnecessarily waste your time. Especially with this guide you wrote here, so many thanks for that
      So I issued the claim on day 15 and they requested more time to respond.
      They took until the last day to respond and denied the claim, unsurprisingly saying my contract was with Packlink and not with them.
       
      I opted for mediation, and it played out very similarly to other people's experiences.
       
      In the first call I outlined my case, and I referred to the Contracts (Rights of Third Parties) Act 1999 as the reason to why I do in fact have a contract with them. 
       
      In the second call the mediator came back with an offer of the full amount of the phone and postage £146.93, but not the court costs. I said I was not willing to accept this and the mediator came across as a bit irritated that I would not accept this and said I should be flexible. I insisted that the law was on my side and I was willing to take them to court. The mediator went back to Hermes with what I said.
       
      In the third call the mediator said that they would offer the full amount. However, he said that Hermes still thought that I should have taken the case against Packlink instead, and that they would try to recover the court costs themselves from Packlink.
       
      To be fair to them, if Packlink wasn't based in Spain I would've made the claim against them instead. But since they are overseas and the law lets me take action against Hermes directly, it's the best way of trying to recover the money.
       
      So this is a great win. Thank you so much for your help and all of the resources available on this site. It has helped me so much especially as someone who does not know anything about making money claims.
       
      Many thanks, stay safe and have a good Christmas!
       
       
        • Thanks
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Hi guys

 

I have a stupid idea the other day to buy a new washing machine from Brighthouse. After I'd come home and thought about it (after the staff in store where lets say... pushy and I fell into their trap!) I realised that paying £1068 for a washing machine on sale in Currys for £349.99 is ludicrious.

 

I phoned Brighthouse and asked to cancel my order, they told me I cannot, I explained that the hire purchase agreement I'd signed and that is sat in front of me said I had 14 days to change my mind - They've told me that I can only change my mind once the product has been delivered.

 

I have a feeling they're trying to get me to have the washing machine delivered and then tell me because it's been delivered I cannot cancel?

 

This is stressing me out, I simply do not want to be in this agreement with Brighthouse anymore, I'm not bothered about the £8 I paid to them already..

 

Thanks in advance

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You need to write to them to cancel the contract. DO NOT do this over the phone. Write out or print out a letter and take it into the shop where you signed up.

 

If they try to deliver the washing machine, refuse it.

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You need to write to them to cancel the contract. DO NOT do this over the phone. Write out or print out a letter and take it into the shop where you signed up.

 

If they try to deliver the washing machine, refuse it.

 

Thank you very much I will pop down to the shop armed with a letter first thing, I was thinking about sending a recorded delivery letter also to their head office just to be on the safe side?

 

I do take it that I have 14 days to cancel at any point, regardless of what Brighthouse say?

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I have looked on their website re cancellation and can find NOTHING.

 

Do you have your agreement and can you scan and post the T&C's?

 

Sure just give me a minute and I'll take a picture of it.

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Good Afternoon thatman,

 

It sounds like you have been given the incorrect information, for which I apologise.

 

Every customer that signs up with us has a mandatory 14 day cooling off period meaning that if they change their mind, they can cancel and terminate the agreement and have a refund on any monies paid.

 

As part of our Single Price Agreement, customer's also have the benefit of 'Returnability' which means they can return their product at any time and the agreement would be cancelled with nothing further to pay.

 

We kindly request that you email [email protected] and quote your reference F0687118 if you wish to discuss this matter further and we will be happy to help.

 

Please update the thread with any feedback you have.

 

Many Thanks

 

Jason

Web Relations Team

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I have looked on their website re cancellation and can find NOTHING.

 

Do you have your agreement and can you scan and post the T&C's?

 

[ATTACH=CONFIG]48321[/ATTACH]

 

Section 4 "Right of Withdrawal" :)

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Good Afternoon thatman,

 

It sounds like you have been given the incorrect information, for which I apologise.

 

Every customer that signs up with us has a mandatory 14 day cooling off period meaning that if they change their mind, they can cancel and terminate the agreement and have a refund on any monies paid.

 

As part of our Single Price Agreement, customer's also have the benefit of 'Returnability' which means they can return their product at any time and the agreement would be cancelled with nothing further to pay.

 

We kindly request that you email and quote your reference F0687118 if you wish to discuss this matter further and we will be happy to help.

 

Please update the thread with any feedback you have.

 

Many Thanks

 

Jason

Web Relations Team

 

Thank you very much - I will send an email now.

 

So basically, people could use a product for 4 weeks, then send it back and have no penalty to pay? That seems slightly strange to me! Either way, I want to cancel before delivery.

Enough said, you now have it in writing from Bright House.Still take the letter to them to cancel the agreement,then covered both ways

 

FS

 

Thank you very much! :D

 

Thank you Jason.

 

Thank you also for your help, glad I have managed to get out of this before I get in too deep.

 

I will think carefully next time before signing on the dotted line!

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Jason

 

I think you need to send out a brief to all your staff clearing their knowledge gaps. So maybe to send a brief to all the stores me thinks?

 

We could do with some help from you.

 

Have we helped you ...?         Please Donate button to the Consumer Action Group

 

**Fko-Filee**

Receptaculum Ignis

 

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Theyre probably doign the right thing here as they know they have been called out in public and on a very very well known forum. Couple this with the very negative publicity in the press and media lately... :)

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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