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    • Below is my proposed letter of claim to Yodel. I would welcome comment.   Dear Yodel, Claimant x: claim for breach of contract loss of package xxxxxxxxxxxxxxx I am making a claim against you claim against for breach of contract relating to your loss of a package valued at £150.00. I refer to two webchats that I have had with your organisation following which I was advised that Yodel were not prepared to recompense me for my loss. This letter is being sent to in accordance with the Practice Direction on Pre-action Conduct and Protocols (the Pre-action PD) contained in the Civil Procedure Rules (CPR). In particular, I refer you to paragraphs 13 to 16 of the Pre-action PD concerning the court's powers to impose sanctions for failing to comply with its provisions. Ignoring this letter may lead to our my commencing proceedings against you and may increase your liability for costs. Circumstances leading to my claim against Yodel On 14 June 2024, I made a sale on eBay of a set of 3 Kirkland Signature golf wedges (‘the goods’) at a price of £150.00 plus £6.00 postage. I received payment from the purchaser via eBay and on 15 June I purchased postage from eBay’s Packlink. Packlink arranged the delivery of the package to the purchaser with Yodel. Having packaged the goods in wrapping paper, I delivered them on 15 June to the Shell petrol station on ……..and a tracking number of  xxx was given. Tracking showed that the package made it to your Leeds Depot on 15 June but thereafter the package went missing. The Purchaser had been advised that they were ready for collection at her local depot in Preston but they could not be located in Preston. I personally attended your Leeds depot where your helpful staff confirmed that the package had been scanned into that depot and was also scanned going onto one of your trailers (7DL 1436) bound for Preston but that thereafter the package was not scanned again and could not be located either in Leeds or Preston. Due to non-receipt of the goods, I was required to refund the buyer her £156.00. I have sought compensation via Packlink but they are only prepared to pay ‘basic compensation’ of £25.00. Through your webchat I have sought to make a claim against Yodel but have simply been referred back to Packlink suggesting that I do not have any rights against Yodel. You are referred to the The Contract (Rights of Third Parties Act) 1999 upon which I rely and which give me the right to sue on the contract just as if I was a directly contracting partner. I was a discernible beneficiary of the contract entered into by you with Packlink to deliver the package on my behalf. As the sender of the parcel I was somebody who was intended to benefit under the parcel delivery contract. In breach of contract, you failed to exercise reasonable care and skill to deliver the package to the purchaser but instead have lost the package. Given the scanning history of the package, it is likely to have been misappropriated whilst in your custody – a failure to take reasonable care to avoid such misappropriation.   My Claim against Yodel I wish to claim the sum of £150.00 being the value of the goods lost by Yodel   Relevant documents I enclose copies of the following documents that are relevant to this matter: 1.    A screenshot of the eBay sale of the goods and the tracking notes.   Alternative dispute resolution I am prepared to consider ADR.   I  look forward to receiving confirmation that accept liability for these matters, together with a full settlement of my claim, within [21] days of the date of this letter, namely by [DATE].] [In the absence of a full response by that date, I will issue and serve proceedings without further notice. Yours faithfully,    
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      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.

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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Unfair treatment for mortgage payments by Halifax - help?

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icon9.gif Unfair treatment for mortgage payments by Halifax - help?

I have recently become a full time carer and now existing on benefits having given up full-time employment. I get a proportion of my mortgage costs paid via income support, and have to make up the shortfall myself. I accept this, but I don't accept the way Halifax have calculated my payments to them.

I pay my mortgage calendar monthly, but my housing cost benefit is paid directly to Halifax 4 weekly. When I calculated my shortfall payment I multiplied the weekly state benefit by 52 & then divided by 12 to get the amount equivalent to a calendar monthly payment. I subtracted this amount from the monthly payment which left me with the amount I have to pay. However, Halifax have said I have to pay over £30 a month more than I calulated, due to benefits being paid to them 4 weekly. They freely admit that end of year one, I will have paid more than I should, and then they will refund me the overpayments. At this stage, I feel supremely confident that I need that £30 per month far more than Halifax does, but they will not budge. So I am going to be paying nearly £400p.a. more than I need to, and then when they get round to it - they will give it back to me. Hope this makes some kind of sense, it's quite complicated to explain! Anyone else in this situation? Any ideas? Any help appreciated!!!!!

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:confused: Hi, I'm a a bit of a newbie here. I posted a few days ago about the way the Halifax has calulated the amount I pay on the shortfall on my monthly mortgage payments- I have recently become a full-time Carer for my elderly Father as my Mum recently passed away so a proportionof my mortgage costs are covered by benefits, and I have to make up the shortfall. Halifax have used a very unfair way of calculating the amount I pay each month, which will in fact mean that at the end of every 12 months I will have overpaid by nearly £400and then they will refund me!!

I know it's a bit complicated- I posted it on the Mortgage Companies forum and have not had one response - when I look around ths site, that seems to be quite rare! Have I done something wrong in my posting, does no one like me maybe?? There seems to be so m uch amazing support and great advice here, but not for me. :-(

Would somone just even say hi to me....please....?

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I'll say Hi, but I would imagine that if you haven't had any answer, it's because no-one has an answer... :-(


I certainly do not know what to advise here, I'm sorry.


In the meantime, I am going to merge your threads, as even if you get no answer, starting new threads only makes things more confused.


In the future, if your query goes unanswered for a day or so, just write a new post on your existing thread, saying "bump", or "anyone?" or anything really, it will then bring your thread back to the top of the "new posts", ok? :-)

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Hi ladybird.


I dont have a morgage so im afraid i cant help you, but im sure on this site someone can.


If not then you might have to contact a mod.

But its nice to see you..! :)



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Hi, Not sure if my maths are right here, but see what figure you get from the following:


12 x monthly payments = A

13 x benefit payments = B


A - B = C


C divided by 12 should give you your monthly payment

See how that works

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Hey someone spoke to me! Thanks, in effect that's what I did to calculate my shortfall - but my explanation was not as succinct as yours! What Halifax are saying is that because benefits are paid on a weekly basis every four weeks, this is slightly less than a calendar monthly payment, so Month 1 would see me a bit in arrears, Month 2 a bit more in arrears, and so on until hey presto, benefits make their final payment in the 12 month period(their 13th) which wipes out the whole of the years' accrued arrears, which means the extra I've paid will be an overpayment & I'll get it refunded. I have always had an excellent credit record and now I'm existing on state benefits, I am even keener for it to stay that way - once financial institutions get wind of a claimant they make life as difficult as possible for you when you least need it. So I don't want my mortgage account to show any arrears. Think I may be in a Catch 22 here!

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Well, PKea, I don't know - didn't think of that, thanks! Having gone through all this, I've just found out that my shortfall has now increased of course, with the 2 interest rate increases. And benefits, it seems, only re-calculate your entitlement once a year to take into account interest hikes. As it was, they took 6 months to process my original claim during which time my meagre savings were obliterated -I cannot comprehend that we have "work-shy" people in our country who choose to live on benefits - they must be bonkers, the whole benefits system is a nightmare and even when they sort your claim, you're still left wondering whether you should splash out & eat the ENTIRE tin of baked beans in one go, or save the rest for another day!

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Hi Ladybird,

Sorry you've been ignored, well, until today. This forum is actually very friendly and posts are usually answered quickly. I'd say its gone a little quiet recently because everyone's gutted about what happened to Jamorgan (see the 'harsh letter' thread). I fully understand your problem but I can't see a way around it. What about a friendly letter to the Halifax outlining your situation? You've probably done this already but it might be worth another go. You could point out that they are a large financial company and you are of very limited means so it would make sense that the £30 a month is better off in your hands than theirs, especially as it represents an overpayment! I'd be tempted to phone them as well and appeal to their better nature (if, indeed, they have one). Or you could try to arrange a meeting with a local manager. You might get lucky and get someone friendly who will be pleased to help. I do hope you get this resolved.

All the best,


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Thanks Paul for your reply. I have also been keeping tracks of the Kensington mortgage fiasco since I joined here, and I felt for them so badly when I read their news. There comes a time when you just can't get up another time after you've been kicked & kicked, and I really hope that the support from the really great people on this site will encourage them to appeal. I probably will have another shot with Halifax, but not convinced any of these places have a "better nature" !

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