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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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    • dx100uk
      JCI/BW PAPLOC - old Advanced Payment Solutions Ltd t/a Cashplus

      By dx100uk · Posted

      dunno you've not scanned up what you've had before how can we tell?  
    • Mezzle
      JCI/BW PAPLOC - old Advanced Payment Solutions Ltd t/a Cashplus

      By Mezzle · Posted

      Cca*
    • dave024
      Erudio/SLC

      By dave024 · Posted

      Today , after a lotof years i recieved a letter from this lot. Very friendly, "Were writing to remind you that we havent had any contact from you in a while".  The velvet fist, followed by  a veiled threat to get their preferred debt collectors involved. Yep dead right. In 1992/3 I took out a Student load under duress from DHSS. uP TO 2000 I hadsucessfully gotten deferment on low income. But rarther thansign on as unemployed,I decided to be self employed. I applied and they asked for all sorts of documents. I obliged and then correspondance ceased from them, circa 2001. To date  I have had no correspondance from Student Loans. I was made  redundant in 2009 and  reached 65 in 2012 , at which age the loan should have been cancelled. Now ,today, 12 years on retirement and 11 ( at least years after last contact) I get a letter with veiled threats. Do I , as I smell a scam a) ignore it and hope that Erudio will think that this phishing attempt has failed or b) respond with a statute barred letter or c) remind them of legal terms that loan should be cancelled 12 years ago or d) combination of b) +c)      
    • steam_hammer
      Another P2G / EVRi Lost Parcel Claim

      By steam_hammer · Posted

      But I'm not mixing and matching. Sure, when researching I do check multiple avenues, but when speaking, I will open a single post. The Fb post was made in March, it is now June, time has passed, and when the suggestion was made, no further information was given on how I should progress beyond "send a letter", which has meant that I've needed to start another stream - this one, but only after taking the time to research first.
    • jk2054
      Another P2G / EVRi Lost Parcel Claim

      By jk2054 · Posted

      hes not turning you away he is simply saying that you should stick to one channel of advice. he is perfectly happy with that channel being this forum, and he will help you   all he is saying, and I agree, is that you should stick to one help channel, not mix and match 3/4

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      If you are buying a used car – you need to read this survival guide.
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      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.

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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

      BankFodder posted a post in a topic,

      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
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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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Sainsburys visa - changes no, diff SAR?

AppleCrumble

By AppleCrumble
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AppleCrumble

AppleCrumble

Posted
Posted

hi there

I sent off for my statements from Sainsbury's Bank Visa, but they seem to start in 2003 with a transfer from another Sainsbury's visa card number. I think what might have happened (it was 3 years ago, the memorys not that good ....) was that I had one card initially but then lost my bag and purse, reported it so was issued with a new card, which had a different number.

 

I was expecting to get all my statements as as far as I'm concerned it's always been one account, and I know with another credit card even though the number had changed I still got all my statements intact (that was cap one). It's not like the account was closed or anything.

 

To get all the pre-2003 statements, I don't have to pay up again with another tenner do I ?? :(:(:evil: I'll be really miffed if i do!!

Apple x

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Mike220359

Mike220359

Posted
Posted

The thing is did they send you a copy of the original executed agreement with the replacement card, if not then they are in breech of section 85 of the CCA act, committed an offence and applied interest unlawfully.

 

Mike

If I've helped tip my scales

 

Blair Oliver & Scott, £2500 written off December 2006 Default removed January 2007:D

http://www.consumeractiongroup.co.uk/forum/general-debt/56001-mike220359-blair-oliver-scott.html

 

Monument, didn't sign the agreement

:D

 

Lloyds TSB didn't sign the agreement!

:D

 

Citicards, didn't sign the agreement

:D

 

RBS tut, tut!

:rolleyes:

 

Morgan Stanley, oh dear

:rolleyes:

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AppleCrumble

AppleCrumble

Posted
  • Author
Posted

:confused:

blimey it was 3 years ago I really haven't a clue!

had a look in the folder thingy I have where this kind of stuff would be put, and think I have the one from 2003 but I can't find the original.

 

The no is on the first statement I did receive which says it's a balance transfer for this card maybe I should just right back and ask for the details from this card with a non-compliance letter?

Apple x

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Mike220359

Mike220359

Posted
Posted

Right start at the beginning.

 

You were probably given a new card under chip & pin last year, that should have been sent with a copy under section 85. If not then they are in breech.

 

The transfer from the original card to your present one should also have been accompanied by the orginal agreement, or did you sign a new one to establish it? In either case ask for a CCA section 78 disclosure for the original executed agrrement.

 

Your SAR request should have given you all the staments pertaining to the old account as well, contact the Data Controller of Sainsbury's (address on the iNformation Commissioner's site) and ask for the residual paperwork.

 

Mike

If I've helped tip my scales

 

Blair Oliver & Scott, £2500 written off December 2006 Default removed January 2007:D

http://www.consumeractiongroup.co.uk/forum/general-debt/56001-mike220359-blair-oliver-scott.html

 

Monument, didn't sign the agreement

:D

 

Lloyds TSB didn't sign the agreement!

:D

 

Citicards, didn't sign the agreement

:D

 

RBS tut, tut!

:rolleyes:

 

Morgan Stanley, oh dear

:rolleyes:

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AppleCrumble

AppleCrumble

Posted
  • Author
Posted

No, this is an old account and I don't have a card on it anymore, not since 2005 when I got into financial difficulty when I was unemployed for a while. I returned the card and came to an agreement and have been paying a set amount of the debt each month ever since.

 

But I was hoping to lop a chunk off it if I can but so far i've only found £180 there was me hoping it would be 1000 :(

Apple x

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Mike220359

Mike220359

Posted
Posted

Ok go back to the Data Controller and ask them for all the statements pertaining to the original agreement, they should still have them, if you have an agreement, use that number to index the original. They should still have sent all the info, they probably just used the extant account numebr. Remind them that this should have been given with the original DPA request.

 

I still think that you should ask for the original agreement, though for both accounts, send that under a different letter though!

 

Mike

If I've helped tip my scales

 

Blair Oliver & Scott, £2500 written off December 2006 Default removed January 2007:D

http://www.consumeractiongroup.co.uk/forum/general-debt/56001-mike220359-blair-oliver-scott.html

 

Monument, didn't sign the agreement

:D

 

Lloyds TSB didn't sign the agreement!

:D

 

Citicards, didn't sign the agreement

:D

 

RBS tut, tut!

:rolleyes:

 

Morgan Stanley, oh dear

:rolleyes:

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  • 3 weeks later...
AppleCrumble

AppleCrumble

Posted
  • Author
Posted

hi

Received a letter back from Abbey saying they have nothing on my account pre may 2003, although they know I had an account since 2002 and I've supplied them with all the numbers. They say nothing is held on their system to retreive.

 

I though they HAVE to keep everything for seven years by law? Now what do i do? Frustrated as I don't have all the statements so can't begin to claim GRRR!

Apple x

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