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Parcel delivery insurance is prohibited under section 57 – Consumer Rights Act – Read about It Here and in The Times. ×


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    • little old lady
      GroupNexus ANCR PCN - Petrol Station Roadchef Tibshelf South DE5 5 T

      By little old lady · Posted

      Hmm yes I see your point about proof of postage but nonetheless... "A Notice to Keeper can be served by ordinary post and the Protection of Freedoms Act requires that the Notice, to be valid,  must be delivered either (Where a notice to driver (parking ticket) has been served) Not earlier than 28 days after, nor more than 56 days after, the service of that notice to driver; or (Where no notice to driver has been served (e.g ANPR is used)) Not later than 14 days after the vehicle was parked A notice sent by post is to be presumed, unless the contrary is proved, to have been delivered on the second working day after the day on which it is posted; and for this purpose “working day” means any day other than a Saturday, Sunday or a public holiday in England and Wales." My question there is really what might constitute proof? Since you say the issue of delivery is a common one I suppose that no satisfactory answer has been established or you would probably have told me.
    • BankFodder
      Shock !!EVRI has lost my parcel PS5 - court claim issued

      By BankFodder · Posted

      I would stand your ground and go for the interest. Even if the interest is not awarded you will get the judgement and the worst that might happen is that you won't get your claim fee.  However, it is almost inevitable that you will get the interest.  It is correct that it is at the discretion of the judge but the discretion is almost always exercised in favour of the claimant in these cases.  I think you should stand your ground and don't give even the slightest penny away Another judgement against them on this issue would be very bad for them and they would be really stupid to risk it but if they did, it would cost them far more than the interest they are trying to save which they will most likely have to pay anyway
    • Nicky Boy
      Shock !!EVRI has lost my parcel PS5 - court claim issued

      By Nicky Boy · Posted

      Yep, true to form, they are happy to just save a couple of quid... They invariably lose in court, so to them, that's a win. 😅
    • Nicky Boy
      GroupNexus ANCR PCN - Petrol Station Roadchef Tibshelf South DE5 5 T

      By Nicky Boy · Posted

      Your concern regarding the 14 days delivery is a common one. Not been on the forum that long, but I don't think the following thought has ever been challenged. My view is that they should have proof of when it was posted, not when they "issued", or printed it. Of course, they would never show any proof of postage, unless it went to court. Private parking companies are simply after money, and will just keep sending ever more threatening letters to intimidate you into paying up. It's not been mentioned yet, but DO NOT APPEAL! You could inadvertently give up useful legal protection and they will refuse any appeal, because they're just after the cash...  
    • FTMDave
      Horizon ANPR PCN - overstay - Iceland Chester

      By FTMDave · Posted

      The sign says "Parking conditions apply 24/7". Mind you, that's after a huge wall of text. The whole thing is massively confusing.  Goodness knows what you're meant to do if you spend only a fiver in Iceland or you stay a few minutes over the hour there.

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    • Post in Suing a parcel delivery company when you don't have a direct contract with them – third-party rights Copy of judgment available

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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.

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      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      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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Parcel delivery insurance is prohibited under section 57 – Consumer Rights Act – Read about It Here and in The Times.

Problems paying Provident loans

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honeybee13

honeybee13

Posted
Posted

Hi guys.

 

I would really appreciate some help with this. A member of my OH's family has run up at least £3k credit with Provident.

 

 

She is very unwell at the moment and has been hospitalised and her doctors are concerned about the impact of all of this on her mental wellbeing.

 

I've seen agreements for 2 loans that I think are currently running, costing £30 and £200 a month each, but I haven't seen all the paperwork yet.

 

Her husband has been signed off sick from work and is only receiving SSP and possibly some benefits.

This means he can't afford next week's payments - what can he do please?

 

The other concern is that their finances weren't sufficient to fund this borrowing so it could be irresponsible lending.

 

Should we be sending off an SAR please? Thank you for any thoughts you have on this muddle.

 

HB

Illegitimi non carborundum

 

 

 

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Bazooka Boo

Bazooka Boo

Posted
Posted

First things first I would be contacting Provi and informing them that these repayments are unaffordable, that their circumstances have changed dramatically, and for the foreseeable future, payments will be reduced to the legal token payment of £1 a month.

 

Inform them of ill health, but obviously don't give in to their demands to view confidential doctors notes or letters to 'confirm' this.

 

Provi only provide loans between 100 and 1000, and even a 1000 loan spread over the full 52 weeks is only £35 a week?

http://www.providentpersonalcredit.com/

 

SAR could well be a good start,

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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honeybee13

honeybee13

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Thank you BB.

 

I was interested to see the £100 to £1000 figures on the website as well. One of the loan agreements I have a copy of definitely says £2,500 repayable at £50 a week for 110 weeks.

 

Should correspondence go to their Bradford address please? And why wouldn't you show them copies of doctors' letters?

 

HB

Illegitimi non carborundum

 

 

 

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Bazooka Boo

Bazooka Boo

Posted
Posted
Should correspondence go to their Bradford address please? And why wouldn't you show them copies of doctors' letters

 

Simply because they are strictly private and confidential, between Dr & patient, don't let these loan sharks get above their station!

 

Not sure about the Address?

This is their debt 'advice' http://www.providentpersonalcredit.com/loan-repayment-difficulties/

 

But seeing as they're registered at the Bradford address, I would think it would be perfectly correct to send it there?

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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Bazooka Boo

Bazooka Boo

Posted
Posted

Yes got it cheers!

 

All read and understood, did reply but either yours or my message box is full?

 

Anyhow, if that's all it says, I don't see any problem.

 

If they then begin demanding anything further, then the complaints can start to roll in, after all, they're not medically trained/qualified, so that info the Dr has provided should be fine.

 

Plus it's always better to send it before they request it, it can only help them in this situation.

 

If they refuse to help or frustrate the process, then it will only ever go against them if it ever reaches the dizzy heights of legal action,

which I don't think it will...

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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citizenB

citizenB

Posted
Posted

Is this being paid at the door or via a Direct Debit, HB ?

 

If by DD - then get that stopped immediately. Any payments that might be made after the DD has been cancelled, can be reclaimed using the DD guarantee.

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fkofilee

fkofilee

Posted
Posted

Can i throw my 2 cents in on this? ^__^

 

I suspect that the loan agent will get very pushy especially after knowing payment wont be forthcoming.

Can I make a suggestion that someone sits round with them and records everything that they say privately so that you are both covered.

 

I would also suggest that the payments are dropped to £1 / Week / Month depending on what they can do.

As advice for what you have given me, these arent priority debts and even so, if it did go to court then i suspect that either these would get reduced heavily / payment plan agreed and stuck to £1 a week or they get written off due to the unwell nature of the wife.

Is it just her on the agreement? If so then, they cant force the Husband to pick up the debts as he is not the "debtor" in question.

 

Please Please Please... It might be worth emailing [email protected] and complaining about the irresponsible lending.

Also on the other side, make sure you tell those 2 that they are in good hands and are going to be okay, last thing they need is to be worrying about this :), It takes its toll, something I only know all too well.

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silverfox1961

silverfox1961

Posted
Posted

My daughter has a provi loan and TBH, affordability never enters the equation. Irresponsible lending is their modus operandi!

 

I am hoping the loans are in one name only. Both names, both liable.

 

While I wouldn't want any personal info given out, the consultant at the hospital may be able to do a letter which may help the situation.

 

Once the SAR comes back (is she mentally capable of understanding the letter of authority?) you can then soon see if they have loaned without the relevant checks. Also check the credit files.

 

IF the loans are in her name and no real prospect of recovery in the long term, I would hope that provi write it off :flypig:

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honeybee13

honeybee13

Posted
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Posted (edited)

I've seen separate loan agreements for the same amount in both names, if that makes sense. It's not clear if it's one loan or two at this stage.

 

For now, I would say she isn't capable of understanding the LOA atm.

 

Correction, they're not loan agreements, they're pre-contract information print-outs.

 

HB

Edited by honeybee13

Illegitimi non carborundum

 

 

 

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obiter dictum

obiter dictum

Posted
Posted

I have had my share of DCA chasing me and i found out provident were OK after you get through the first layer collections

 

i had taken out a Satsuma loan, it was for £500 payable back weekly. I suffered a major medical condition and was ill health retired from work. They were pushy (Provident) to begin with but i stuck to my guns. I paid back £10 a week and stuck to it. It was a struggle and made the last payment last week. As i negotiated etc they did not default me with the credit agencies, just arrangement to pay.

 

All i can say is phone them and ask to be put in touch with the collections dept/ Credit control. I might have just struck lucky, or they really do subscribe to helping borrowers in financial difficulty

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honeybee13

honeybee13

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I have had my share of DCA chasing me and i found out provident were OK after you get through the first layer collections

 

i had taken out a Satsuma loan, it was for £500 payable back weekly. I suffered a major medical condition and was ill health retired from work. They were pushy (Provident) to begin with but i stuck to my guns. I paid back £10 a week and stuck to it. It was a struggle and made the last payment last week. As i negotiated etc they did not default me with the credit agencies, just arrangement to pay.

 

All i can say is phone them and ask to be put in touch with the collections dept/ Credit control. I might have just struck lucky, or they really do subscribe to helping borrowers in financial difficulty

 

Thank you, that's very helpful. :)

 

HB

Illegitimi non carborundum

 

 

 

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honeybee13

honeybee13

Posted
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Can i throw my 2 cents in on this? ^__^

 

I suspect that the loan agent will get very pushy especially after knowing payment wont be forthcoming.

Can I make a suggestion that someone sits round with them and records everything that they say privately so that you are both covered.

 

I would also suggest that the payments are dropped to £1 / Week / Month depending on what they can do.

As advice for what you have given me, these arent priority debts and even so, if it did go to court then i suspect that either these would get reduced heavily / payment plan agreed and stuck to £1 a week or they get written off due to the unwell nature of the wife.

Is it just her on the agreement? If so then, they cant force the Husband to pick up the debts as he is not the "debtor" in question.

 

Please Please Please... It might be worth emailing [email protected] and complaining about the irresponsible lending.

Also on the other side, make sure you tell those 2 that they are in good hands and are going to be okay, last thing they need is to be worrying about this :), It takes its toll, something I only know all too well.

 

Hello and thank you for replying. We shall certainly complain if the SAR throws anything up about irresponsible lending, etc.

 

Noted about someone being there and the recording. Apparently the agent doesn't have a set time to arrive and just rings to say they're on their way. I don't live close to these people, so need time to get there. My OH has just downloaded a sound recorder onto his smartphone, so I can use that if the member of the family can't record. Or maybe I'll do it as a back up. :)

 

I plan to type up the SAR request and an adapted template letter from our library asking to reduce payments, to be sent to head office. Another member of the site team has suggested that he writes to head office to explain the problems, with the letter from the hospital and his I&E sheet. Then tell him not to let the agent in and hand them a copy of the letter [without the personal information] on the next collection day.

 

Can he sign the letters on behalf of both of them?

 

HB

Illegitimi non carborundum

 

 

 

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Bazooka Boo

Bazooka Boo

Posted
Posted
Can he sign the letters on behalf of both of them?

 

I don't see why not, given the current state of her mental health, only a fool would try and claim they can't accept anything without her sig on it.

 

Have you had a look through MALG?

http://www.malg.org.uk/debtmentalhealth.html

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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Bazooka Boo

Bazooka Boo

Posted
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I've no idea sorry, just been on their website to try and find out, and came across this little gem!

 

I had my first Provident loan when I was 18, and I’m 43 now so I think that’s a good indicator of customer satisfaction!

http://www.providentpersonalcredit.com/complaints-procedure/

 

25 years to pay off his loan from when he was 18!!!

 

OK, OK, I know what they're saying really....

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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fkofilee

fkofilee

Posted
Posted

Agree with BB, Great idea...

However, also send a copy of the letter, slightly amended saying a SAR Request is being sent and you are complaining.

 

Secretly, I wanna see these written off

 

We could do with some help from you.

 

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honeybee13

honeybee13

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Agree with BB, Great idea...

However, also send a copy of the letter, slightly amended saying a SAR Request is being sent and you are complaining.

 

Secretly, I wanna see these written off

 

I've done separate letters for the SAR and asking to pay token payments. I was going to see what the SAR says before complaining, are you saying that should be mentioned now?

 

HB

Illegitimi non carborundum

 

 

 

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