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    • No. The defence is different. Their defence paragraph 2.7, 2.8, 2.9, 2.10 – for the first time makes reference to an alleged term between the Packlink/EVRi contract which apparently specifically excludes the effect of the Contracts (Rights of Third Parties) Act 1999. If this is true then it is very likely that they will have closed that loophole because the 1999 act specifically allows itself to be excluded by an express term within the principal contract I think that you will have to do ask the court to require them to provide evidence by way of presenting their contract and also the date that this new amendment was inserted. I understand that your claim refers to an item which was lost a year or so ago. These give us the date. We would certainly want to know that this amendment predates the date when you first contracted with Packlink to send the item. I would want to say to the court that in the absence of their willingness to confirm with evidence the date that this contractual amendment was made, that the court should assume that this was a recent amendment and was therefore not in force at the time you made your contract. We have third-party defences on this sub- forum which are fairly recent and there has been no mention of this exclusion of the 1999 act. I think we can take it that this is something that they have put together very recently. Secondly, even if they want to exclude your third party rights, it does not absolve them from the negligent handling of your item and in respect of an action for negligence you have first party rights. You don't have to rely on third party rights – although of course, you didn't allege negligence in your original claim. We didn't advise you to do so. Maybe shortsightedly we didn't foresee this contractual amendment. Of course assuming that this contractual amendment is true – although I expect it has only been added recently – what they are saying here is that nobody in the United Kingdom who makes any contract with any parcel delivery company using Packlink will have the right to bring a claim for lost or damaged or even stolen parcels. These people have lost their moral compass. It is shabby treatment of ordinary customers who pay their money and who repose their trust in these parcel delivery companies. No wonder that the Paralegal Children are now ashamed to sign off these documents with their own names. In terms of parcel tracking information – apparently it has been destroyed according to their own data protection policy. That's their business. It's got nothing to do with you and they can't use this to frustrate the six year limitation for bring a breach of contract action or the three-year limitation period for bringing an action in negligence or other tort. There reference once again to the exclusion of the 1999 Act but this time apparently in the contract between you and Packlink – is irrelevant because the exclusion has to be in the commercial contract between Packlink and EVRi – which they have referred to in their paragraph 2.7 et cetera of their defence. I'm assuming that you propose to go ahead with this case. Please let us know when you respond and we will go forward. In the meantime, I suggest that you write a letter to EVRi. Referred to their paragraph 2.7 et cetera and asked them for a copy of the contract and confirmation of the date on which the exclusion of third party rights term was included in it. Tell EVRi that if they do not answer or if they refuse that this will be brought to the attention of the judge. Tell them also that you notice that they say that they have destroyed data in line with their data protection policy. Inform them that they do not appear to have disclosed this data protection policy to their customers. Please will they forward you a copy of it and once again if they failed to respond or if they refuse that you will bring this to the attention of the judge as well. I suggest that you post a draft of the letter here so we can have a look    
    • Good morning dx100UK Could I send the update to you privately? Regards
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My father took out a loan from Welcome Finance 6/7 years ago and then renewed it half way through as he needed more money.

 

He has since paid off all of the amount and completed the agreement.

 

He remembers that he had PPI on the loan,

 

he never claimed on it though.

 

How do we go on about re-claiming the mis-sold PPI?

 

We can't find the agreement at the moment and Welcome Finance have closed down.

 

Should we go through a claims management company?

 

Thank you

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who?

 

no you don't lose upto 50% of your money thru a CMC

 

they have no more clout than you.

 

sent welcome an SAR

 

they are still doing them

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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who?

 

no you don't lose upto 50% of your money thru a CMC

 

they have no more clout than you.

 

sent welcome an SAR

 

they are still doing them

 

dx

Thank you, I'll get the SAR sent out on Monday! & Is it okay to leave the agreement number part blank as we don't know this? & should my father sign the SAR?

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makes no odds

you still go thru welcome

 

their staff are operating under FSCS guidelines now

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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makes no odds

you still go thru welcome

 

their staff are operating under FSCS guidelines now

 

dx

 

Thank you, I'll be needing step by step help in reclaiming this PPI.

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plenty of threads here to follow

 

and there are links below my post too.

link 1 is best

 

have a read around too

just shout you need any help.

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

plenty of threads here to follow

 

and there are links below my post too.

link 1 is best

 

have a read around too

just shout you need any help.

 

I have found the credit agreement and it shows the breakdown of the PPI:

 

"Payment Protection

Policy in terms of months: 36

Price inc IPT: £673.02

Interest: £478.53

Total payable: £1151.56

Monthly payment: £31.99"

The loan was for £2000

In the end it says:

" Monthly payments: £95.06

Acceptance fee: £3.56

Insurance: £31.99

Total per month: £130.61"

 

Which SAR do I send them?

How much will I get back?

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I have found the credit agreement and it shows the breakdown of the PPI:

 

"Payment Protection

Policy in terms of months: 36

Price inc IPT: £673.02

Interest: £478.53

Total payable: £1151.56

Monthly payment: £31.99"

The loan was for £2000

In the end it says:

" Monthly payments: £95.06

Acceptance fee: £3.56

Insurance: £31.99

Total per month: £130.61"

 

Which SAR do I send them?

How much will I get back?

 

click the sar

 

as for what you should get back

 

with that info

 

link 1 below shows you how to do it

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

click the sar

 

as for what you should get back

 

with that info

 

link 1 below shows you how to do it

 

dx

 

Thank you so much dx100uk!

Would you advice I SAR them first or send in the template from link 1?

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well if they loan ran its full course

 

then you should be able to do the whole thing without the statements.

 

however, pers with welcome finance

 

i'd recommend an sar just incase.

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

  • 4 weeks later...
well if they loan ran its full course

 

then you should be able to do the whole thing without the statements.

 

however, pers with welcome finance

 

i'd recommend an sar just incase.

 

dx

 

Thank you DX!

 

I sent the SAR to Welcome Finance on the 15 April & yesterday I received a bulk of paperwork through the post.

 

Account 1

opened around Jul 2007 which was for £2000 with PPI worth £673.02 (+ interest of £478.53 bringing the total to: £1151.56).

 

My father needed more money in Jan 2008 so he asked for another £2000 and

they closed this account to opened another one with which would cover the outstanding on this account

and give him another £2000.

Also on the day of closure of account 1 they refunded £439.59 (labelled as "Insurance Rebate").

 

Account 2 started in Jan 2008

this one had my mum's name added to the loan too.

PPI of £1448.24 ( + interest of £1029.70 bringing the total to: £2477.94)

and Lifecare24 was also added for £195 (+ interest of £138.72 bringing the total to: £333.72)

and as my Mum was added to the loan

 

they added Lifecare24 for my mother too for£195 (+ interest of £138.36 bringing the total to: £333.36).

 

All this from Account 2 equals £3144.99

 

In June 2008 the account was transferred to a new account, which from now we will call account 3.

 

Account 3 started in June 2008 ,

it looks like a simple transfer to a new account.

 

However a credit of £1040.97 was applied and labelled as "FSCS PPI REDRESS" in Jan 2012

which meant the loan came to an end 10 months earlier than original maturity.

 

Note:

The interest on loans was added on a monthly basis and none of the accounts 1&2 which had the products applied

ever reached their full term so would some interest be removed which reclaiming?

 

In account 1 only £673.02 was added at the start of the loan

then the interest of the loan and product combined was added each month.

 

Same with Account 2. & I got the interest figures from their own paper work which shows a price/product breakdown.

 

Reasons for miss-selling PPI are that:

My father was told that if he took out the PPI and Lifecare24 it would get the loan approved

and it would speed up the process as he had little credit history

& also it that it was compulsory with their loans.

 

What are my next steps?

What sort of amount will I get back?

 

Thank you in advance!

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follow link 1 below

 

spreadsheet is at the end

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

I've just had a payout from Welcome on an old loan with PPI. See http://www.consumeractiongroup.co.uk/forum/showthread.php?415458-Welcome-PPI-claim-pre-2005-***-SUCCESS-***(2-Viewing)-nbsp

 

Although I sent in a spreadsheet detailing how I worked it all out, they wanted me to complete a FOS questionnaire and they then did their own calculations to be able to send me an offer letter. It came out reasonably close to what I had worked out, if anything a little higher, so we accepted and the money had gone into the bank this morning :)

 

As your claim involves an earlier FSCS refund it's a bit more complicated. I would be tempted to get them to do all the legwork and make an offer. By all means do your own spreadsheet to see if their eventual offer comes close to what you think it should be. From my experience, they ignored any spreadsheet I sent in...

 

You need to make the claim on PPI only - anything like Lifecare or claiming any charges they added need to be done as separate claims.

 

You can get a copy of the FOS Questionnaire here - http://www.financial-ombudsman.org.uk/contact/PPI-your-case.html - go down to the section "how do I complain about PPI mis-selling?" and click on the Word or PDF document to download it. Fill it in and send it with your claim letter.

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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  • 2 weeks later...

Hi can anyone tell my how i can claim ppi without any paperwork and i know i had ppi with my first mortgage but cannot remember the obscure building society i used in was in 1988. I also know i had an endowment with the legal and general around the same time but i do not have any paperwork to verify this thanks maggie

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post 3 send an sar.

 

and start a new thread of your own

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

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