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    • Hi all, an update on the case as the deadline for filing the WS is tomorrow i.e., 14 days before the hearing date: 7th June. Evri have emailed their WS today to the court and to myself. Attached pdf of their WS - I have redacted personal information and left any redactions/highlights by Evri. In the main: The WS is signed by George Wood. Evri have stated the claim value that I am seeking to recover is £931.79 including £70 court fees, and am putting me to strict proof as to the value of the claim. Evri's have accepted that the parcel is lost but there is no contract between Evri and myself, and that the contract is with myself and Packlink They have provided a copy of the eBay Powered By Packlink Terms and Conditions (T&Cs) to support their argument the contractual relationship is between myself and Packlink, highlighting clause 3a, e, g of these T&Cs. They further highlight clause 14 of the T&Cs which states that Packlink's liability is limited to £25 unless enhanced compensation has been chosen. They have contacted Packlink who informed them that I had been in contact with Packlink and raised a claim with Packlink and the claim had been paid accordingly i.e., £25 in line with the T&Cs and the compensated postage costs of £4.82. They believe this is clear evidence that my contract is with Packlink and should therefore cease the claim against Evri. Evri also cite Clause 23 of the pre-exiting commercial agreement between the Defendant and Packlink, which states:  ‘Contracts (Rights of Third Parties) Act 1999 A person who is not a party to this Agreement shall have no rights under the Contracts (Right of Third Parties) Act 1999 to rely upon or enforce any term of this Agreement provided that this does not affect any right or remedy of the third party which exists or is available apart from that Act.’ This means that the Claimant cannot enforce third party rights under the Contract (Rights of Third Parties) Act 1999 and instead should cease this claim and raise a dispute with the correct party.   Having read Evri's WS and considered the main points above, I have made these observations: Evri have not seen/read my WS (sent by post and by email) as they would have recognised the claim value is over £1000 as it includes court fees, trial fees, postage costs and interests, and there is a complete breakdown of the different costs and evidence. Evri accepts the parcel is lost after it entered their delivery network - again, this is in my WS and is not an issue in dispute. Evri mentions the £25 and £4.82 paid by Packlink - Again, had they read the WS, they would have realised this is not an issue in dispute. Furthermore to the eBay Powered By Packlink T&Cs that Evri is referring to, Clauses 3b and c of the T&Cs states:  (b)   Packlink is a package dispatch search engine that acts as an intermediary between its Users and Transport Agencies. Through the Website, Users can check the prices that different Transport Agencies offer for shipments and contract with the Transport Agency that best suits their needs on-line. (c)  Each User shall then enter into its own contract with the chosen Transport Agency. Packlink does not have any control over, and disclaims all liability that may arise in contracts between a User and a Transport Agency   This supports the view that once a user (i.e, myself) selects a transport agency (i.e Evri) that best suits the user's needs, the user (i.e, myself) enters into a contract with the chosen transport agency (i.e, myself). Therefore, under the T&Cs, there is a contract between myself and Evri. Evri cites their pre-existing agreement with Packlink and that I cannot enforce 3rd party rights under the 1999 Act. Evri has not provided a copy of this contract, and furthermore, my point above explains that the T&Cs clearly explains I have entered into a contract when i chose Evri to deliver my parcel.  As explained in my WS, i am the non-gratuitous beneficiary as my payment for Evri's delivery service through Packlink is the sole reason for the principal contract coming into existence. Clearly Evri have not read by WS as the above is all clearly explained in there.   I am going to respond to Evri's email by stating that I have already sent my WS to them by post/email and attach the email that sent on the weekend to them containing my WS. However, before i do that, If there is anything additional I should further add to the email, please do let me know. Thanks. Evri Witness Statement Redacted v1 compressed.pdf
    • Thank you. I will get on to the SAR request. I am not sure now who the DCA are - I have a feeling it might be the ACI group but will try to pull back the letter they wrote from her to see and update with that once I have it. She queried it initially with 118 118 when she received the default notice I think. Thanks again - your help and support is much appreciated and I will talk to her about stopping her payments at the weekend.
    • you should email contact OCMC immediately and say you want an in person hearing.   stupid to not
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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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Funding Corporation - possible reclaim of ppi


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Having sorted out son in laws debts thanks to this site and taken control of the situation,

 

I am looking to reclaim any ppi he might have had on a series of loans he had when trying to support his parents

whilst his mother was terminally ill and his Dad a full time carer.

 

had a credit report and

 

as well as Welcome - a nightmare to deal with and currently on back burner

- came across The funding corporation and a loan from August 2004 til October 2008 - 50 months at £81

- looks like no defaults on it but suspect some form of ppi.

 

Read a few old threads on various sites which all seem to peter out very quickly due to not being regulated by FOS.

 

Guess starting point is a SAR to TFC as have no paperwork and see what turns up.

 

in meantime will trawl the web for any info/success stories.

 

sorry for typing - just out of hospital after op - only got wrong hand to type with

- will also start a thread for the lloyds loans he has/had when i can make some sense of the timeline.

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A SAR is needed so you can look at the agreement and confirm if there was PPI, and how much. If you are dealing with this on his behalf you will need a signed letter of authority, you may already have found that out with Welcome.

 

For your information - http://companycheck.co.uk/company/04055624/THE-FUNDING-CORPORATION-LIMITED

THE FUNDING CORPORATION LIMITED

Registered Address: I M House, South Drive, Coleshill, West Midlands, B46 1DF

 

I'm just on with Welcome - http://www.consumeractiongroup.co.uk/forum/showthread.php?415458-Welcome-PPI-claim-pre-2005

Be good to those who give you advice that helps - click the star to give them your thanks by way of a reputation credit.

 

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Cheers hillards - thanks for address - will type up SAR letter today and send off. off to read your thread on Welcome and refresh my memory of my dealing - know involved the compensation scheme people (FCSC?) but got no joy.

 

guess it is going to be a long process

 

intend

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  • 2 weeks later...
  • 2 weeks later...
  • 4 weeks later...
  • 3 months later...

Got all info from TFC - ppi of £700 on top of a loan for £2000 - work that out at 25% of monthly payment down to PPI. About to input into spreadsheet. Hope my % calculation correct!

 

Also has about a dozen unpaid DD fees of £25 - is it worth reclaiming these? - sure that the amount acceptable was reduced to £12, plus letter fees of £85, ranging from £15 to £30 per letter.

 

Have been off-line for a while - had surgery and off work for 6 months then really busy with work - but good to be back - off to look at the Llyods ppi now.

 

All advice gratefully received.

 

Intend

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Loan was taken out in August 2004 - does this mean it was not regulated by FOS?

 

Hi,

 

To the best of my knowledge, the Ombudsman claim that they can't consider any complaint against a company because the ppi policy was sold before 14 January 2005, the date when all businesses selling insurance became regulated, only if the seller was a member of a precursor to the FSA, like the GISC

 

Although general insurance broking was not subject to the jurisdiction of FOS until 2005, if the firm subscribed to the General Insurance Standards Council's code of practice at the time it will do if the firm subsequently came under FOS jurisdiction and, since all consumer credit licence holders now are, I think it might.

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

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  • 2 months later...

TFC were members of The Association of British Insurers and signed up to the Code of Practice for the selling of General Insurance. Hopefully this allows the FOS to investigate. All the paperwork from TFC states that if unhappy could I may be able to complain to FOS - guess the "may" will stump me!!

 

Also requested they repay late payment fees of £25 on grounds the PPI contributed to financial hardship.

 

Form and letter off tomorrow.

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Form and letter off tomorrow.

 

Good luck with that.

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

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Also requested they repay late payment fees of £25 on grounds the PPI contributed to financial hardship.

Needs to be made as a totally separate claim - I did PPI first and then claimed charges, just in case there was anything that affected interest applied or the charges themselves. That could have meant duplication of an amount being claimed.

 

Say they said that a PPI amount was the cause of a default charge being applied, through going overlimit, then they should repay that as part of the PPI claim. In effect, you cannot determine the total amount of charges until they've cleared the PPI claim :-) IMHO obviously.

Be good to those who give you advice that helps - click the star to give them your thanks by way of a reputation credit.

 

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  • 4 weeks later...
  • 3 weeks later...

Letter rec'd - claim rejected. Will post up details when I get sight of the letter. Not surprised from what I have read about TFC. Will need some sound advice on how best to proceed but will not give up without a fight.

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