Jump to content


  • Tweets

  • Posts

    • I saw a headline about the UK ignoring European laws on cleanliness of water, can't find the article atm. As government climate plan ruled unlawful, Tories hand out fossil fuel bonanza - Good Law Project GOODLAWPROJECT.ORG Firms are set to cash in on a tranche of licences to look for oil and gas in the North Sea, handed out on the same day the High Court ruled ministers’ plan...  
    • yet another Brexitish failure   England set to miss post-Brexit targets to clean up rivers by 2027 INEWS.CO.UK Nearly 80 per cent of England's rivers, lakes and coastal waters may fail to reach a 'good' standard by 2027, a post-Brexit watchdog warns  
    • No. The defence is different. Their defence paragraph 2.7, 2.8, 2.9, 2.10 – for the first time makes reference to an alleged term between the Packlink/EVRi contract which apparently specifically excludes the effect of the Contracts (Rights of Third Parties) Act 1999. If this is true then it is very likely that they will have closed that loophole because the 1999 act specifically allows itself to be excluded by an express term within the principal contract I think that you will have to do ask the court to require them to provide evidence by way of presenting their contract and also the date that this new amendment was inserted. I understand that your claim refers to an item which was lost a year or so ago. These give us the date. We would certainly want to know that this amendment predates the date when you first contracted with Packlink to send the item. I would want to say to the court that in the absence of their willingness to confirm with evidence the date that this contractual amendment was made, that the court should assume that this was a recent amendment and was therefore not in force at the time you made your contract. We have third-party defences on this sub- forum which are fairly recent and there has been no mention of this exclusion of the 1999 act. I think we can take it that this is something that they have put together very recently. Secondly, even if they want to exclude your third party rights, it does not absolve them from the negligent handling of your item and in respect of an action for negligence you have first party rights. You don't have to rely on third party rights – although of course, you didn't allege negligence in your original claim. We didn't advise you to do so. Maybe shortsightedly we didn't foresee this contractual amendment. Of course assuming that this contractual amendment is true – although I expect it has only been added recently – what they are saying here is that nobody in the United Kingdom who makes any contract with any parcel delivery company using Packlink will have the right to bring a claim for lost or damaged or even stolen parcels. These people have lost their moral compass. It is shabby treatment of ordinary customers who pay their money and who repose their trust in these parcel delivery companies. No wonder that the Paralegal Children are now ashamed to sign off these documents with their own names. In terms of parcel tracking information – apparently it has been destroyed according to their own data protection policy. That's their business. It's got nothing to do with you and they can't use this to frustrate the six year limitation for bring a breach of contract action or the three-year limitation period for bringing an action in negligence or other tort. There reference once again to the exclusion of the 1999 Act but this time apparently in the contract between you and Packlink – is irrelevant because the exclusion has to be in the commercial contract between Packlink and EVRi – which they have referred to in their paragraph 2.7 et cetera of their defence. I'm assuming that you propose to go ahead with this case. Please let us know when you respond and we will go forward. In the meantime, I suggest that you write a letter to EVRi. Referred to their paragraph 2.7 et cetera and asked them for a copy of the contract and confirmation of the date on which the exclusion of third party rights term was included in it. Tell EVRi that if they do not answer or if they refuse that this will be brought to the attention of the judge. Tell them also that you notice that they say that they have destroyed data in line with their data protection policy. Inform them that they do not appear to have disclosed this data protection policy to their customers. Please will they forward you a copy of it and once again if they failed to respond or if they refuse that you will bring this to the attention of the judge as well. I suggest that you post a draft of the letter here so we can have a look    
    • Good morning dx100UK Could I send the update to you privately? Regards
  • 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

Splitit / Vendor payment issue


aj84
style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 133 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 all,

I purchased an item just over a year ago from an online site that had the option of using Split-it for paying.  Silly me, while I did not need to use it, I just found it convenient to use it especially given the smaller amounts leaving disposable cash for something else.

For those that do not use know how it works, quite simply, purchase an item for say £400, and pay £33.33 a month for 12 months with no credit searches etc.  Similar to what Amazon do/did before Barclays instalments started to take over.

Long story short, I noticed the monthly payments appearing on my pending transactions every month on my Amex card and thought nothing of it.  Fast forward almost 12 months, turns out all but 2 of these pending payments were actually taken - the rest were unbeknown to me, not taken.

They then started to take 2 payments a month past the date of when the instalment plan finished which is when I queried it - note, the online portal still to date states completed.  This is when I contacted them to be told due to a technical issue, they did not actually take any payments for almost 11 months and they would now start taking 2 a month.  This was followed by a more generic/global email stating exactly that.

This was indeed the case for 2-ish months until today when I noticed I have 6 pending payments which I think equates to the remaining balance - again online portal still says completed and no open plans.

 

1. Is what they are doing right?  There seems to be no accountability on both the split-it end nor the vendor of the product.

2. Could I just block these pending payments with Amex and not pay it/create my own plan?  While I could just pay it off, I feel cheated - I went for a 12 month instalment plan for a reason and that was not to then go onto a 6 month instalment plan with double the amount a year later.  Not to mention, others may not be able to pay !

3. Any other advice?

 

Thanks in advance

Link to post
Share on other sites

This them ?

WWW.SPLITIT.COM

Buy Now Pay Later in installments. Offer customers up to 24 months to pay using their own credit card, no hidden fees or added interest.

 

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

If you want advice on your Topic please PM me a link to your thread

Link to post
Share on other sites

Okay I see there is a on line chat option on the link have you asked why this error occurred ?

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

If you want advice on your Topic please PM me a link to your thread

Link to post
Share on other sites

Yes - at the time, they were being quite closed-off and not giving much detail apart from "you have not paid" - when actually it was more "we did not collect"


Tried for almost 2 days before telling Amex to reverse the charges x2 however I cancelled the case/reversal when they finally responded. It was only when I escalated to management did I get a bit more detail however

here is the official email received:

We are writing on behalf of [vendor] to let you know that, unfortunately, a technical issue occurred on your payment plan which caused one or more of your monthly instalment payments to be missed.  This meant that, whilst payments showed on our end and on your instalment plan in the shopper portal; they were never actually processed and will not be showing on your credit card account. 

Please check your credit card account on or around your scheduled instalment date(s), and you should see that these payments do not appear. You can check the due dates in the Splitit Shopper Portal here

We are intending to process any missed payments over the next few days. If you have missed multiple payments we will only process 2 missed payments at any one time and will email you again before any more missed payments will be processed.


 If the missing payment(s) is/are showing on your credit card statement on or around your instalment dates please reply with a screenshot/statement from your credit card that shows this, and we will be happy to investigate further.

 Thank you for your understanding and we are sorry for any inconvenience.

Link to post
Share on other sites

So they will not take more than 2 at a time ? Have you raised it with the retailer ?

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

If you want advice on your Topic please PM me a link to your thread

Link to post
Share on other sites

2 Payments a month was my understanding but this month I can see 6 pending payments.

Yup contacted the retailer who are as useless. Initially a blame game : Retailer > Splitit and Splitit>retailer.
It was going meant to get escalated the first time too but I never heard back from them and subsequent emails were ignored.  Calls usually got through to the wrong team or if right, you would start at the beginning only to be then told it is going to management...and of course nothing back.

Link to post
Share on other sites

Try dropping the following an email of your discontent and advise them they are in breach of your agreement and you shouldn't have to suffer distress due to their inefficiency to abide by their agreement.

 Nandan Sheth as CEO

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

If you want advice on your Topic please PM me a link to your thread

Link to post
Share on other sites

Have done this now following yet another frustrating live chat who seemed to initially even say we can't find an open plan....well yes duh!

So far nandan.sheth @ and nandansheth @ have both failed

nandan @ seems to have gone through and I CCd the support address too but they've been thus far unresponsive.


In the meantime, I've raised a dispute with Amex who have all the emails/evidence now for it and have put a merchant block.  Thankfully splitit is not a credit provider so no impact to credit searches etc.

One point they made was if your card was not longer available (bearing in mind the linked card was removed from Splitit by myself so how they're still taking payments is beyond me), I could make manual payments - Maybe I should do this now that the merchant is blocked ...say £5 a month?

Really infuriates me when companies act like this - I'm not even saying no to paying even if they did make a monumental mistake for almost a year but to then once again breach their own apology email.... 

Link to post
Share on other sites

  • 4 weeks later...

To close this off - they refused to budge.

Any combination of email address bar one bounced back as far as Nandan Sheth is concerned and despite requesting multiple times for someone senior, it was ignored.

They have however stated by their recent action of essentially charged all remaining payments in one hit, there is no outstanding payments left.

Feel extremely cheated but partly my mistake in not picking up earlier so lesson learnt - One thing is for sure, Split it will not be used again in this household but it has made me think twice about whether we would use Oral B products again who was the company we bought the products from and maybe revert back to Philips when the 3 brushes die.

 

Thanks again for your help - 

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...