Jump to content


  • Tweets

  • Posts

    • Please will you upload the defence in a PDF format document
    • Afternoon All - after 3 weeks of silence, this morning I received an email from HMCTS advising that P2G have rejected my claim. Decide whether to proceed Parcel2Go.com has rejected your claim. You need to decide whether to proceed with the claim. You need to respond before 4pm on 25 June 2024. Your claim won’t continue if you don’t respond by then. This is their ‘defence’ Their defence Why they disagree with the claim When choosing a service on the Defendants website, the Claimant chose to book their order with Evri and selected to take out £20 parcel protection which comes with the service. On the first page of the booking process, the Claimant entered the value of £265 for the contents and was offered parcel protection for loss or damages against their goods for £13.99 + VAT. The Claimant selected no, which then produced a pop up which explained 'We strongly recommend that you protect the full value of your item(s).' however, the Claimant still did not take this protection out and instead continued with the booking process. At the end of the booking process, the Claimant was offered this again which was refused and the Claimant continued with the booking by accepting the terms and conditions which re-iterates the information provided in the booking process. The parcel was sent, however, seems to be delayed in transit. The parcel finally started to track again, however, when delivered the parcel was empty with no contents. As such, the claim was re-opened and attempted to be settled for the £20 protection taken out in the booking process. This was refused by the Claimant as they felt they should be paid the full amount of the value entered when booking. Unfortunately, due to the refusal of the parcel protection in the booking process the Defendant is not liable to settle the claim to the value and only to the parcel protection taken out. The Defendant shall rely on the Terms and Conditions of carriage in particular section 9. The Defendant understands that the contents have not be handled with due care and attention, which is not being disputed, however, they are disputing the amount they are liable to. They have requested mediation, I’m sure not least to drag the case out even longer, but I can see no benefit to me in this and so shall reject it. As ever, I’d welcome your thoughts guys. g59   
    • I doubt HMCTS holds any data on whether arrests by AEAs required police assistance.  They couldn't or wouldn't provide data on how many of warrants issued were successfully executed - just the number issued!  In my experience, arrest warrants whether with or without bail are [surprisingly] carried out with little or no fuss.  I think it's about how you treat people - a little respect and courtesy goes a long way. If you treat people badly they will react the same way. Occasions when police are called to assist are not common and, having undertaken or managed many thousands of these over the years, I can only recall a handful of occasions when police assistance was necessary. On one occasion, many years ago, I arrested and transported a man from Hampshire to Bristol prison on a committal warrant. It was just me and he was no problem. I didn't know the Bristol area (pre Sat Nav) and he was kind enough to provide directions - seems he knew the prison.  One young chap on another committal warrant jumped out of his back window and I had to chase him across several garden fences.  When he gave up (we were both knackered) I agreed to drive by his girlfriend's house to say farewell for a while.  I gave them a few moments and he was fine. The most difficult are breach warrants but mainly in locating the defendant as they don't want to go back to prison - can't blame them.  These were always dealt with by the police until the Access to Justice Act transferred responsibility from them to the magistrates' courts. The fact was the police did not actively pursue them and generally only executed them when they arrested someone for something else and found they had a breach warrant outstanding.  Hence the transfer of responsibility.
    • thats down to mcol making that option available for you to select, you cant force it. typically if there are known processing delays at northants bulk it will be atleast 14 days later if not more.
    • Thanks   Noting the day to apply for default judgement if necessary
  • 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

Welcome: 'i Don't have a valid PPI complaint'?


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

Thread Locked

because no one has posted on it for the last 646 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

Open

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

After stumbling across my paperwork for this, I bumped my last email to Aviva on this and got this reply today:

 

Dear Mr xxxx

 

Thank you for getting back in touch with us about the sale of your Payment Protection Insurance (PPI).

 

I’m sorry to advise that we have not received your questionnaire; in any case, I have taken a look at the documents you sent us on 26 August 2019 and these offer enough information for me to draw a conclusion.

 

Unfortunately, Aviva is not the correct business to investigate your complaint and we’re unable to assist you in this matter. The available information shows that your policy commenced on 19 May 1998. Neither Aviva nor any Aviva subsidiary company was the underwriter of Welcome Finance PPI at that date.  I do not have details of the underwriter but this information will be available from your policy document and/or your finance agreement.

 

In conclusion, you will need to redirect your enquiry to the appropriate underwriter in the first instance. They will then investigate your concerns and issue you with their final decision.  

 

Any enquiry regarding undisclosed commission should be directed to the company that provided the finance. As we are not the underwriter of your policy, we do not hold this information. This stance falls in line with the Financial Conduct Authority’s (FCA) most recent statement which set out their view on the impact of the ‘Plevin v Paragon Personal Finance Ltd’ case and how firms should handle complaints relating to the amount of commission the lender received.

Once you’ve received a final decision from the responsible business, you may have the right to refer your complaint to the Financial Ombudsman Service, free of charge – but you must do so within six months of the date of that final decision. If you do not refer your/their complaint in time, the Ombudsman will not have permission to consider it and so will only be able to do so in very limited circumstances.

 

A link to their leaflet is as follows:

 

http://www.financial-ombudsman.org.uk/publications/consumer-leaflet.htm

 

Or, alternatively, they can be contacted at:

 

The Financial Ombudsman Service
Exchange Tower

London

E14 9SR

 

Their e-mail address is complaint.info@financial-ombudsman.org.uk.

 

If you would like to receive a copy of this letter by post or if you’d like a paper copy of the Financial Ombudsman Service leaflet, please let me know.  

 

To clarify, in the event that you choose to make a complaint to the Ombudsman about Aviva or any Aviva subsidiary company, we will ask them to dismiss the matter on the basis that we have no responsibility for the sale of this policy.

 

I hope this letter explains Aviva’s position and I am sorry that I cannot assist you further.

 

Yours sincerely

 

Daniel Cheeseman

Complaint Specialist

Aviva UKI

 

Just bumping this to ask - I thought we knew that Aviva were the underwriters?

 

Hello all. 

Please could I have a hand with this as I'm not sure where to turn next?

Link to post
Share on other sites

as in post 1.. Aviva as did welcome... are wrongly assuming you are trying to reclaim the hidden commission they got paid for selling the PPI under a Plevin Claim.

 

you are not ...you are reclaiming the monthly PPI portion of your payments made to welcome that you paid under the agreement that they paid their insurance underwrites that eventually became part of Aviva.

 

your mistake was i believe forwarding on this 'welcome PDF' you indicate when no-one said to do that, just the FOS CQ and a copy of your Statint sheet.

 

Update:

Upon sending my complaint and Welcome PDFs to Aviva, they sent the following email:

 

 

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

On 27/06/2019 at 01:43, dx100uk said:

bang shot yourself in the foot

why did you mention PPI in the sar request?

looks like you still paid for ppi. {£236.03}

unravelling the crap in the letter

it looks like you can make a PPI reclaim directly to welcome

even though they were not GISC regulated, they are saying the underwriters were, but they cant say whom they were, but from other threads here it should be easy to work that out if needs be 

you had a loan of £2269.44 of which 236.03 was PPI

ppi/loan*100=ppi%

236.03/2269.44*100=10.4%

anything you paid 10.4% of it was for ppi

statint sheet time

 

 

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

  • 1 year later...

Open

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

Hi again, had a bit of time to get back to this and was wondering if someone could comment, please.

To recap, the attached PDFs show that Welcome say they cancelled the various policies (PPI, Warranty, Collision Call and  Shortfall extra insurance) but can I verify what it looks like to me on the Payment History PDFs - that they didn't actually cancel them?

Apologies.
Here you go...

 

welcome sibel ins list + loan statements.pdf

Link to post
Share on other sites

no you are going around in pointless Circles here again, i suggest you re read your thread from post one.

this was a loan for a motor vehicle, ALL the various motor insurances were refunded to you within 1 month of the loan take out in 1998.

however the actual PPI for the loan itself was not refunded (£236)

you wrote to aviva as they were the underwriters , to get in before the PPI cutoff deadline.

they wrote back ASSUMING you were trying to reclaim the COMMISSION welcome got for selling you the PPI INS on behalf of AVIVA, they replied stating that they were not the ones the received the commission, but that you should direct your enq to welcome, as they got the commission.

you are not reclaiming commission, you are reclaiming your actual PPI £PCM payments that went each month to aviva.

they are you target, so you need to send them an FOS CQ and a suitably completed STATINT sheet detailing your claim, all of this and how to do it was detailed earlier years 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

Thank you and sorry for not understanding. I appreciate your patience.
OK, I will get done. I have downloaded the STATINT sheet but am having trouble determining how to correctly complete - looking at the payment records, it does indeed show payments but not any breakdown of payments for the actual PPI?

 

Please don't get too angry about this, for some reason I have a blind spot for this kind of thing.

Link to post
Share on other sites

On 27/06/2019 at 01:43, dx100uk said:

you had a loan of £2269.44 of which 236.03 was PPI

 

so ppi/loan*100=ppi%

 

236.03/2269.44*100=10.4%

 

so anything you paid 10.4% of it was for ppi

 

Use the statint sheet 

 

Enter at each payment date 10.4% of that payment as ppi

The sheet does the rest

 

 

  • Like 1

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

but you were not refunded look at the statement you put up.

 

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

you are only reclaiming this one, all the others show a refund

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

Just read all again from post #1. Wow, can see why you get annoyed / frustrated. I actually surprised myself at reading it. Shocking. Sorry.
Have done statint sheet and will send FOS questionnaire tomorrow . 👍

Link to post
Share on other sites

  • 3 months later...

Thank you for opening again!

I have some time off lately and have just chased this up with Aviva again. They maintained that they were not the underwriters at that time and weren't until 2000. I explained, as DX stated in the thread, that they are wrongly assuming I am trying to reclaim the hidden commission they got paid for selling the
 PPI under a Plevin Claim. but I am not ...I'm reclaiming the monthly PPI portion of my payments made to Welcome that I paid under the agreement that they paid their insurance underwrites that eventually became part of Aviva.

 

The actual email received was:

Thank you for speaking with me today.

As discussed, I can confirm Aviva is not the correct business to investigate your complaint.

This is because neither Aviva nor any Aviva subsidiary company were the underwriter of Welcome Finance PPI at the date your policy was sold.  

I do not have details of the underwriter, but this information will be available from your policy document or your finance agreement.

In conclusion, you will need to redirect your enquiry to the appropriate underwriter in the first instance. They will then investigate your concerns and issue you with their final decision.  

 

Is there any other action I can take now, please?

Link to post
Share on other sites

i think this ship has sailed.

 

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

CCL 3 yrs limit as the other thread.

 

this is why i pushed you on all your threads, but if you dont act within the time allowed...........

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

But that was three years ago!!!!

 

youve done zilch to investigate their claim its not us nor to find who was the underwriters and if there is a trail now to Aviva

 

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

No but I have had children. We all have different thresholds, you know.


Forgive me but I was going on your post #58 where you wrote 'they wrote back ASSUMING you were trying to reclaim the COMMISSION welcome got for selling you the PPI INS on behalf of AVIVA',

I took from this that you knew AVIVA were the underwriters.


So, I need to go and research who were the underwriters?

Link to post
Share on other sites

and whomever they are, if its ever unravelled, will refuse the claim, and i bet it turns out eventually to be aviva that own's them now, which in 99% of cases it is,

 

chasing the claim outside of 3yrs since you 1st complained, under CCL , they will kill it dead  ....the fact that they mistakenly though you wanted plevin commission, not the premiums is a mute point IMHO.

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 see.
I have mitigating circumstances (head injury) that I am willing to pursue as my reason.

Incidentally, I originally received an emailed reply to my original claim stating the same in March 2021 which I assumed was the end of the line, so I haven't 'done zilch' for three years.


Do you see my point?

Link to post
Share on other sites

  • dx100uk changed the title to Welcome: 'i Don't have a valid PPI complaint'?
  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...