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    • Channell J in Prudential v Commissioners of Inland Revenue [1904] 2 KB 658 gives a broad definition of insurance.  Digital Satellite Warranty Cover Limited [2011] EWCA Civ 1413 confirms that extended warranties are insurance must be regulated. Over 90% certain that the parcel delivery companies parcel protection schemes are "insurance" and that they are unregulated and therefore the parcel delivery companies are committing an offence by selling it. Regulated means that the insurance is authorised but possibly exempted from certain conditions by the FCA. Notice that on all the parcel delivery companies websites, they are at great pains to avoid using the word "insurance". But in all probability that is what it is. A defence to the offence of selling unregulated insurance is that you exercised due diligence and this would mean that the parcel delivery companies would have to show that they had sought and received counsel's opinion that what they were doing is completely lawful. The fact that they are selling unregulated insurance to a certain extent is a sideshow because it still doesn't permit an exemption to section 57 of the consumer rights act. So in other words, even if it was regulated insurance – they would still be contrary to section 57 of the consumer rights act and also section 72 as it is an attempt to limit or exclude liability for failure to exercise reasonable care and skill
    • Thank you for the update - at least it's all over now. I'm a bit confused by what you say happened. What did your barrister think? HB
    • Hi everyone! Thanks for all your advice during this stressful journey. Here’s a quick update of what went down today.  The court hearing itself was very quick, lasted about 5 min.  The magistrates got me to pay the amount I owe (the outstanding travel costs), as well as a fine and surcharge. They reduced the court fees from £375 to £200.  The magistrates told me the amount I need to pay but didn’t mention anything about a criminal record. Does this mean they didn’t give me any or is it implied by giving me a fine? Please let me know. Thanks!! TD 
    • Natalie, whom I assume works for Mr Schnur, emailed me to advise that "Please be advised that Parcel2Go.com is not an insurance broker and is not backed by any. We do not offer any kind of insurance policy on any of our services. We give all our customers the opportunity to cover their goods to a preferred value so that if a claim does arise, we are able to compensate them. All our claims are self-certified, and we are not a regulated company." (full copy of her email attached)  I responded:  "Good afternoon Natalie  Have you read my email below? Are you aware of the court cases of PENCHEV v P2G (225MC852) and SMIRNOVS v P2G (27MC729)? In both cases it was held by the courts that there was no need for additional ‘protection’ on top of the standard delivery charge, and P2G were required to settle both cases (by then also incurring court costs and interest) in full. This will happen again with this case if I am not recompensed in full (£265 + £9.10 = £274.10) before 1 May 2024.  Tick tock, tick tock……" 22Apr24 - email from P2G responding to my email to Schnur of 19Apr24.pdf
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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.

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      This is good ethical practice.

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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Avis slammed for imposing £2 ‘Brexit tax’


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A former Oxford professor has criticised a car rental firm for charging him a 'Brexit tax' when he returned his vehicle, even though Britain has not left the European Union yet.

 

Lord John Krebs, a zoologist, questioned the addition of £2.19 to his bill when he dropped his rental car back to Avis in Marseilles airport.

 

He said he was told the charge was a 'Brexit tax', because Britain voted to leave the EU.

Lord Krebs, now President of the British Science Association, refused to pay the 'tax'.

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Total non-story. It is an exchange rate adjustment, not a Brexit tax.

 

The pound has fallen quite substantially as a result of the Brexit vote. Of course if you want to buy things using pounds in other countries (such as France), or if you want to buy things which are imported, those are going to be more expensive as a result of the exchange rate.

 

What next, boycott the USA because they charge in dollars which are now more expensive?

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exchange rate adjustment - BxxxxxxX I send monies on a a two way exchange i.e. Dollar/Peso and the rate of difference is 5/6 pence per pound if that, they are fleecing their customers, avoid that company if people had any sense/guts.

 

A Computer can only out put what has manually been in put to it. common sense, the days of old valves long gone in computers.

:mad2::-x:jaw::sad:
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exchange rate adjustment - BxxxxxxX I send monies on a a two way exchange i.e. Dollar/Peso and the rate of difference is 5/6 pence per pound if that, they are fleecing their customers, avoid that company if people had any sense/guts.

 

A Computer can only out put what has manually been in put to it. common sense, the days of old valves long gone in computers.

Have a look at http://www.xe.com/currencycharts/?from=GBP&to=EUR&view=1Y. You will see that the EUR:GBP exchange rate dropped from 1.3 to 1.2 immediately after the referendum.

 

So if you want to purchase goods and services in a country which uses Euros, and you want to pay in pounds, that is now going to be more expensive.

 

That's not fleecing ... that's just the fact of the exchange rate! After all, this geezer was trying to hire a car with Avis in France - Avis France will of course have most of its expenses in Euros so it is going to be more expensive if you want to pay in pounds.

 

As you referred to Mexican pesos, I also looked at the MXN:GBP exchange rate here: http://www.xe.com/currencycharts/?from=GBP&to=MXN&view=1Y. As you will see it dropped from 27 immediately before the referendum down to 23, before stabilising at 25. So if you want to buy anything in Mexico with Pounds that is going to be more expensive now too.

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

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not Mexican and sorry being a sender for 3 decades believe I know what I am on about including what I get for my GBP exchange and receivers monies expectation as I said I get two way exchange rate so I am talking pennies per pound

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not Mexican and sorry being a sender for 3 decades believe I know what I am on about including what I get for my GBP exchange and receivers monies expectation as I said I get two way exchange rate so I am talking pennies per pound

 

 

Only way I would loose out basically is if I exchanged myself if visiting and exchange large amounts say in the Hundreds, but a bit of a cushion seems to be the USD element of the exchange rate - I could loose up to 7/8 pounds per couple hundred.

 

Mind you back in the 80s the exchange rate was fluctuating between 30 - 36 within weeks peso per pound, theses days far better than those sour days.

:mad2::-x:jaw::sad:
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Old Cogger

 

With all due respect you are saying it is only a few pennies per pound , earlier you said 5 or 6 pence, that is still a 5 or 6 percentage point difference

 

That means that imports will have to increase by 5 or 6 % in order to maintain profit margins, of course not all suppliers will alter daily but if you are importing millions of £ worth of components into this country and the price increases by 5% you have to pass that on.

Any opinion I give is from personal experience .

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