Jump to content


  • Tweets

  • Posts

    • He previously warned Chinese car makers would "demolish" rivals if there were no trade barriers.View the full article
    • i notice you've sent a reported post stating you have a new PAPLOC from CEL this time NOT DCBL could this new letter of claim be for the org PCN that your hubby got and not the one you got (if they were different PCN numbers??) carefully check the PCN number on the Claimform the court sent you... is it the same as this New CEL PAPLOC? dx  
    • The deal to pay student athletes directly would fundamentally change American university sports.View the full article
    • I've just noted that in Section 4 of the ebay powered by packlink T&Cs, there is a link to a list of webpages for each Transport Agency including Evri. When clicking on this, it redirects to Evri's send terms and conditions, which says: Our contract with you When you send a parcel with us, you enter into a contract with Evri. These terms and conditions set out your responsibilities and our service commitments to you, along with some legal bits about our liability and how you will be compensated in the unlikely event that things go wrong. Link to Evri send T&Cs: https://www.evri.com/terms-and-conditions the extract highlighted in bold above is pertinent as in Evri's own T&Cs, by sending a parcel with Evri, the sender and Evri have entered into a contract. Screenshot of the above extract attached. Screenshot_20240524_030834_Chrome.pdf
    • Hi, Evri provided a copy of the Ebay powered by Packlink T&Cs in their WS/Court bundle - this is already uploaded in post #246 yesterday. I copy and pasted the actual wording of clauses 3b and 3c from there into my post #246. see points 3b and 3c in Section 3 (General) through this link to the T&Cs:  https://support-ebay.packlink.com/hc/en-gb/articles/360004768420-eBay-Delivery-Powered-by-Packlink-Terms-and-Conditions#h_01HFXQJBTB441YZGPB7CQP9KFV Screenshot attached below. I cant answer why its not been picked up before. In my opinion, this is called Ebay powered by packlink T&Cs so it could be intepreted to mean Ebay and Packlink's T&Cs rather than Packlink and the delivery couriers T&Cs. In regards to seeing Evri/Packlink's entire contract in original form, in my WS, Evri has been invited to provide this. They have not provided the contract in their WS/court bundle. Screenshot_20240524_024259_Chrome.pdf
  • Recommended Topics

  • Our picks

    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 161 replies
    • 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.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      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
        • Like
  • Recommended Topics

Black Horse PPI & over payment reclaiming


sickofbullies
style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 1076 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

Hi,

 

I've been looking at reclaiming PPI from a 2002 loan I got to buy musical equiptment.

 

 

After being messed around claiming they couldn't find my account details

I SAR'd my bank at the time and sifted through 1000+ pages of documentation in order to find my agreement number,

 

160 days after the initial SAR request I was eventually supplied my account detals.

Long story short it was single payment / front loaded PPI payment.

 

I did however run into difficulties paying the account and it was "written off (term as per transaction description) / defaulted at £520 in 31/07/2003.

 

What I've since learned was that this debt was sold off to 1st Credit DCA, who subsequently persued me (and me simply not knowing any better thinking I was simply settling one of many debts I had from my younger years)

 

 

I made an initial £26 payment on 31/05/2006 as a token of my eventual desire to pay said debt completely.

I WAS AT NO POINT AWARE THIS WAS ACTUALLY THE BLACKHORSE ACCOUNT

 

The following day (01/06/2006) while continuing to settle debts I called Black Horse and made what i was to believe was the final £520.85 payment.due on the old loan.

 

After saving for a few months more I then contacted 1st Credit and paid the rest of the £525 debt they asked for.

 

It has now come to light while I've checking old bank statements that Black Horse accepted the final settlment from me while actually not owning the debt having it been sold on to 1st Credit.

 

Where do I stand in Scotland with regards timeframe to claim the full £525 payment from either party?

 

Any advice would be appreciated

Link to post
Share on other sites

do you have all the statements now from BH?

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... 

Link to post
Share on other sites

I had supplied a typical SAR request to them asking for statements but was supplied a transaction list showing payments etc.

 

I've redacted it and attached it to this post.

I've highlighted where it says 31/07/203 WRITE OFF 520.85.

 

It then shows 0 Balance outstanding followed by a repayment 30/05/06 for the outstanding amount and a further adjustment on my account that day.

 

I was then harrased by 1st Credit up until 08/11/06 when I paid them the outstanding balance again.

(This is especially vivid for me because I had been in hospital for minor operation).

 

 

I remember switching my phone on in the taxi home and 1st Credit calling to receive payment n that day.

 

I then still had issues with my credit file so contacted black horse in late January/early February 2008 with regards to the debt still showing on my report.

 

Within the SAR black horse provided me a copy of an e-mail conversation (01/02/08) which was themselves redacted to hide "From and To" email addresses however as they used a marker it's clearly easy to seeemails were sent to Central Admin DCA.

 

Conveniently they state my file was right however I don't believe this was the case considering if you look at the "PASSPORT system screengrab" documentation the following is visible:

On the first copy (February 01 2008, 14:40:45) it states

 

 

  • Default Date (31/07/2003)

 

  • PAYMENT Profile: 001001000122445555DS
    • (this is also the credit file status: OK, OK, Missed 1, OK, OK, Missed One etc all the way to DS - DEFAUlT)

     

 

On the second copy (February 01 2008, 14:40:50) it states

 

  • 01/02/2008 CAIS EMERGENCY UPDATE - FINANCIAL CHANGE
  • SETTLMENT DATE: 21/07/03 - Seemingly this was the Default Date on the report 5 seconds before??????
  • STATUS: 8555544221000100100

 

 

 

 

docs1.pdf

Link to post
Share on other sites

looks like to me the error was BH's

as you say you'd paid it off to them

then they accidently left the balance at the £5000 odd figure

 

 

i'd write to them

inc you proof

and you proof of paying 1st credit as well.

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... 

Link to post
Share on other sites

  • 4 years later...

I? had personal finance agreement for a purchase with black horse.  I ran into difficulty and missed lots of payments.  After 3 years of missed payments they eventually sold it on to a debt management company.

 

IAfter sorting out my credit (I had lots debts) I ended up clearing in full single lump sum payment with the debt company however I went for a mortgage (for which I had an agreement in principal) however they refused to honour the mortgage as the Black horse debt was still showing Due.

 

In a rush I paid Black horse agaoin to get approved.

 

When I was reclaiming the PPI for that agreement I got a copy of my bank statement from Halifax.  You can clearly see I've paid off two sums of money for almost the same amount (pennies in it) within 2 months of each other.

 

On the account statement from Black Horse it has some strange figures concerning the £500 and odds.  At one point its transfered and written off, then it's been paid by me.

 

I contacted the debt management company and they can confirm the payment from me to them but after 6 years have no such paperwork.  They did confirm they did (and still do) purchase debt from Blackhorse.

 

Black horse were extremely un-coperative.  One of their staff started to see things from my angle and was told by his manager to "Leave things above his pay grade"

 

 

Any advice?

Link to post
Share on other sites

threads merged.

 

so did you follow the advice 5yrs ago.

 

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... 

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...