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    • Unsure what would be classed as appeal I first contacted the applicant then IAS. I am not aware I could appeal again as Bank state I was informed that is news to me. I would have to look through the paper work, I apologise I forget so much due to my caring duties wish I had quality time to get so much done. Will try and look tomorrow, appreciate everyone's time and input.
    • Hi, I've been reading the invaluable advice on this forum and reading about the problems with Evri and lost delivery of items.  From what I gather the initial steps after having exhausted every's own lost item claim process is to draft a Letter of Claim, I think it is called and to register with the government Money Claims.  I have got a login for Money Claims and have made an initial stab at the letter but I'm not certain I have got it right. Am I right to assume that having exhausted Evri customer service's claims process and having received the denial of any compensation because the laptop I was sending is on the non-compensatory list that my next step would be to send the Letter of Claim to them? Let me provide some basic details which I hopefully have addressed in the letter. I purchased a laptop through Amazon.co.uk which a business in Belfast sold refurbished laptops through.  They had a 30 day money back guarantee for a full refund if you have any issues with the laptop.  I have the invoice from Amazon showing the purchase.  On 27 April, 2024 before the end of the 30 day period I used their ParcelShop (inside a Tesco) to send the laptop back and have the tracking reference mentioned in the letter.  As mentioned in the letter there was they advised they could not give me or sell me any insurance because laptops are on the non-compensatory list so I just paid the normal delivery cost.  It was scanned as leaving the ParcelShop on 29 April and the tracking has been like that ever since.  After a 28 working day Evri claim process they gave the expected response that they could not provide any compensation and simply could not proceed with my claim. I was hoping to get some advice on whether I go ahead now and email this to Customer Services straightaway and should I send a hard-copy to the Evri address as well?  Or are there any steps I have missed out on first?  I believe 14 days is the reasonable period of time for them to respond so if I were to send it tomorrow, for example 12 June then I should expect a reply by 26 June, is that correct and fair?  And assuming they don't reply with a full refund then I would then go down the government Money Claims site to proceed with that? Sorry for all the questions, I want to make sure I go about it properly.  I'll continue to read through other cases on here so I can get an even better handle on the process. I attached a LOC, happy for any edits or updates that will make it even better. Thanks so much for anyone's help! Regards, Matt Evri letter of claim.docx
    • The date was 3 June. Get on MCOL now. The legal principle is that, even if you defence is late, if the other party hasn't requested judgement, then your defence takes priority and is accepted. You might be in time. When I say now I mean now.  Recently we had someone who was nine days' late and this was pointed out to them at 5:30pm.  They faffed around till 11pm.  When they went on MCOl they saw that judgement had been entered at 7pm. Every minute is vital. File the below standard defence if you still can - 1.  The Defendant is the recorded keeper of [motor vehicle]. 2.  It is denied that the Defendant entered into a contract with the Claimant. 3.  As held by the Upper Tax Tribunal in Vehicle Control Services Limited v HMRC [2012] UKUT 129 (TCC), any contract requires offer and acceptance.  The Claimant was simply contracted by the landowner to provide car-park management services and is not capable of entering into a contract with the Defendant on its own account, as the car park is owned by and the terms of entry set by the landowner.  Accordingly, it is denied that the Claimant has authority to bring this claim.    4.  In any case it is denied that the Defendant broke the terms of a contract with the Claimant. 5.  The Claimant is attempting double recovery by adding an additional sum not included in the original offer.  6.  The Particulars of Claim is denied in its entirety.  It is denied that the Claimant is entitled to the relief claimed or any relief at all.
    • Hi friends,  I’m a bit worried I may have got confused with timings here. I thought I had 33 days from my acknowledgment to submit a defence but the date added above says 3/6/24.   have I missed the date?   if so how can I apply for an exception due to my disability and problems with deadlines and dates etc (ADHD)?   what should I submit as a defence?   I’ve had no reply from BW so far    just been back on MCOL and it says 28 days from service if I completed an acknowledgment of service so does that mean 28 days from that of acknowledgement (I.e. 16/5) which would make deadline for defence 14/6?   Thanks! Panicking here.
    • Normally we don't advise playing your cards early in a snotty letter, but as you have appealed we might as well use what you wrote in the appeal against them. There is no rush, you have until 6 July to get it to them.  See what the other regulars think too. How about something like this? -   Dear Rachael & Sean, cheers for your Letter of Claim.  I rolled around on the floor in laughter at the idea you'd actually thought I'd take such tripe seriously and would cough up! As usual you'll have been too bone idle to do any due diligence.  Had you done so you would have seen that I appealed to your client.  Indeed the driver on the day is a textbook example of having done exactly what you should do when you do not wish to be bound by the T&Cs in a private car park. Of course none of that mattered to the spivs you represent but do you really want to put such a useless case in front of a judge? To be fair, your clients are very useful members of the human race - as comedians.  How I loved the page turner of their antics at The Citrus Building in Bournemouth.  It was chuckle after chuckle reading about them, letter after letter, month after month, insisting they were legally in the right, even through someone who had done just the first day of a GCSE law course could have told them they weren't.  Until the denouement - BOOM - an absolute hammering in court.  In fact - SLAM, BANG - managing to lose twice against the same motorist for the same car park in front of two different judges. Your client can either drop their foolishness now or get yet another tolchocking* in court where I will go for an unreasonable costs order under CPR 27.14(2)(g) and spend the dosh on a nice summer holiday, while every day laughing at your clients' expense. I look forward to your deafening silence. COPIED TO COUNTRYWIDE PARKING MANAGEMENT LTD   *  This word is used under licence from Brassnecked
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Hi Guys,

 

I am thinking about trying to reclaim my PPI or protected payment premium as GE Money call it.

 

I took out a secured loan in 2004 for £32000.00 and an additional £4800.00 in PPI was added as a lump sum taking the whole loan amount to £36800.00 at a monthy interest rate of 0.716%

 

I am annoyed as I was told that if I didn't have the PPI there would be no loan and on the credit agreement I can tell that it was them that ticked the box and not me, I was working at the time, full time for local government.

 

I am also really annoyed that after having a look at my statments that after paying £4472 to GE Money my debt has risen to £37283!!!!!

 

If anyone has any advice I would be grateful.

 

Many thanks

 

Lisa x

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Hi Lisa

 

My wife and I are in a similar situation

 

We took out a secured loan of £31,500 in April 2005 with added payment protection of £5000.

 

I have recently wrote to them, I can't wait to see the response (if any!)

 

Craig

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Hi Lisa & Craig,

Firstly do not expect a fast response from the nice people at GE Money, they will push the boundries at every chance. Though the FSA have Fined GE £610,000.00 for mis-selling Insurance , Including PPI and for breaching the FSA Principles.

 

I have been fighting with this lot from about October and finally had enough of them, so I had a summons served on them last Thursday, to which they did respond with a letter quite smartish.. Just have to wait and see what their solicitors come back with.

 

I have posted some advisory notes here,

 

http://www.consumeractiongroup.co.uk/forum/ppi/61081-ppi-some-notes-claimants.html

 

And my case against GE Money is here..

 

http://www.consumeractiongroup.co.uk/forum/ppi/55547-reid-purpleloans-ge-money.html

 

If you need any help just ask..

 

Ian

Lloyds TSB -PPI - Full refund . 05/09/06 :D:p (As Seen on TV) :p

Halifax settled in Full.. :D 22/09/06

TSB First Claim SETTLED IN FULL 19/10/06 :D

Second Claim to Lloyds TSB - Settled in Full

Firstplus - early settlement interest charges - Challenged the use of the rule of 78 - SETTLED IN FULL 12/1/07

PPI - GE Money / Purpleloans / Firstplus - Now Settled after 1 year long hard fight.

 

 

 

If my post has helped you, please click the scales! :grin:

 

Anything said is my opinion and how I understand the law, always consult professional legal advice before taking something to court.

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Hi,

 

sorry forgot to ask, should I cancel my PPI with immediate effect and as I still have the loan with them does this give them any power to request full payment?

I already have a very fragile relationship with them, would hate for it to be damaged further! :-)

xxx

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I know for a fact that my box was ticked by them but they are insisting they did not, I KNOW different

The whole application was filled in by them all I had to do was to sign. Im in the process of claiming back PPI with GE and have just staterd putting my defence together for the court. Wrote to them yesterdqy telling them this and asking if they would like to re consider my claim.

 

Lynn

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I know for a fact that my box was ticked by them but they are insisting they did not, I KNOW different

The whole application was filled in by them all I had to do was to sign. Im in the process of claiming back PPI with GE and have just staterd putting my defence together for the court. Wrote to them yesterdqy telling them this and asking if they would like to re consider my claim.

 

Lynn

 

 

That sounds very familuar Lynn... Same thing happened to me, Form filled in by their rep and handed to me for signature only..

 

Well mine is at court stage so just wait and see what happens..

 

Ian

Lloyds TSB -PPI - Full refund . 05/09/06 :D:p (As Seen on TV) :p

Halifax settled in Full.. :D 22/09/06

TSB First Claim SETTLED IN FULL 19/10/06 :D

Second Claim to Lloyds TSB - Settled in Full

Firstplus - early settlement interest charges - Challenged the use of the rule of 78 - SETTLED IN FULL 12/1/07

PPI - GE Money / Purpleloans / Firstplus - Now Settled after 1 year long hard fight.

 

 

 

If my post has helped you, please click the scales! :grin:

 

Anything said is my opinion and how I understand the law, always consult professional legal advice before taking something to court.

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Many thanks guys, I will take this further as I was sent the form with everything filled in I just had to sign.

Can I ask how you worded your letter to them as I can't find a template.

Many thanks and best of luck with your claims.

Lisa xx

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Hi Lisa.

Firslt make sure you have copies of your aggrement SAR reqest letter, read the terms and condition properly, I am at the end of the line now with letters about to get the court info together.

 

Basically told them that First National / G E did indeed put the X in the box of their own volition and PPI was "assumptively sold" with the PPI premium being added to the loan without our awareness and prior permission, the Company quoted repayments with PPI already included, effectively establishing an opt out or negativr options strategy. Furthermore the staff selling these products did not mention the PPI product details and if the product meet our need, we recived no advice at the said point of implementation and no literature ensued.

 

(I had a pre existing medical condition having being diagnose with

bowel cancer, we now understand that the PPI payments would have been null and void. We were never asked any questions regarding our health or medical conditions the PPI was just added as I said with out our permission.)

 

Hope this helps

 

Lynn and Good Luck

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Hi All

 

I will be watching this with interest. I too feel I was mis-sold PPI by Carcraft whose finance was arranged by GE Capital Woodchester in 2001. I also was diagnosed with a medical condition which they said was a pre-existing condition. I could not keep up the payments whilst undergoing treatment (I was self employed at the time). Now they are demanding payment in full, have charged me numerous times for late payment despite an agreement with payplan (who they hate dealing with) and I am now on about my 5th debt collection company! I have not taken any action as yet as I didn't think there was anything I could do about this.

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Hi guys,

 

thanks for all the info, I'm sending off my letter today, recorded delivery of course!

 

The only thing I am worried about is if they demand full repayment of the loan which still has a fair few years to run, I don't think they can, but you never know.

 

I'm already trying to reclaim over £500 of charges with no luck but I am now on a mission, GE Money can meet me in the back alley!!

 

Thanks again guys will keep you updated. xx

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Hi Hulsim,

 

were you self employed at the time you were sold the PPI, if so do you have a copy of it as I'm sure I've read somewhere that you are not covered if you are self-employed so you would have a case for it being mis-sold, if I'm wrong I'm sure someone will correct me.

 

XX

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Hi all

 

I have received a reply back from GE MOney today, requesting documentation to prove that the PPI was a condition of the loan.

 

I agree with everyone else, on my forms the X was in the box which I believe was there assumptive close. The forms just required signature, any ideas for a reply to them?

 

ta

craig

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Hi Craig,

Just a few questions..

 

1) Was yor loan arranged over the telephone ?

2) When was the loan taken out ?

 

If your loan was arranged over the Phone it may well be worth submitting a SAR under the Data protection Act to obtain all the information that they have regarding your loan. Also request as part of your SAR that they provide you with a transcript or audio tape of any telephone conversations.

 

Zootscoot has also warned about a condition within the terms and conditions on secured loans with GE Money, There is a clause in there that states that you can be liable for their legal costs. I would advise to have a proper read through their terms and conditions on the credit agreement before you consider any legal action.

 

I have issued a summons against GE Money, but my case is slightly different as the actual loan agreement was with a third party but arranged by GE Money / Purpleloans.

 

Ian

Lloyds TSB -PPI - Full refund . 05/09/06 :D:p (As Seen on TV) :p

Halifax settled in Full.. :D 22/09/06

TSB First Claim SETTLED IN FULL 19/10/06 :D

Second Claim to Lloyds TSB - Settled in Full

Firstplus - early settlement interest charges - Challenged the use of the rule of 78 - SETTLED IN FULL 12/1/07

PPI - GE Money / Purpleloans / Firstplus - Now Settled after 1 year long hard fight.

 

 

 

If my post has helped you, please click the scales! :grin:

 

Anything said is my opinion and how I understand the law, always consult professional legal advice before taking something to court.

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Hi Ian

 

My loan was arranged over the phone through a third party "The Personal Loan Express" based in glasgow

 

The loan was taken out in April 2005.

 

Just one other thing, is the PPI actually cancellable, as GE state in there letter that it isn't?

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Hi Craig,

your situation is a bit like mine in a way, GE Money / Purpleloans arranged a loan for me in 2003, at that time they were acting as a broker for Firstplus, It was Firstplus that funded the loan that GE Arranged.

 

Were you told by The Personal Loan Express that the PPI was required to obtain the loan ?, If you were then this is a matter that you would have to bring up with them and not GE. It may be worth submitting a SAR under the data protection act to personal loan express to get hold of copies of all information that they have on your account. If you do submit a SAR then remember and ask for transcripts or audio copies of any telephone calls relating to your account.

 

There is no reason why the PPI cannot be cancelled, it is like any other Insurance, though if you cancel you may recieve next to nothing as way of refund of your premium. I enquired about cancelling a policy of mine which cost £3300 plus interest (£4000 approx) and i was offered in the region of £90 as a refund.

I presume that the type of policy they will have sold you will be a single premium policy, this is where the full plicy amount is paid to the insurer at the start of your loan and the cost of the policy is then advanced to you and added onto your totalloan. This is the most common tye that GE etc use as no doubt it is also the most profitable to them.

 

It should also be stated in the terms and conditions of the PPI policy regarding any conditions for cancelling the policy.

 

Ian

Lloyds TSB -PPI - Full refund . 05/09/06 :D:p (As Seen on TV) :p

Halifax settled in Full.. :D 22/09/06

TSB First Claim SETTLED IN FULL 19/10/06 :D

Second Claim to Lloyds TSB - Settled in Full

Firstplus - early settlement interest charges - Challenged the use of the rule of 78 - SETTLED IN FULL 12/1/07

PPI - GE Money / Purpleloans / Firstplus - Now Settled after 1 year long hard fight.

 

 

 

If my post has helped you, please click the scales! :grin:

 

Anything said is my opinion and how I understand the law, always consult professional legal advice before taking something to court.

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  • 2 weeks later...

Hi,

 

Really looking forward to a positive outcome to your claims. I am in a very similar position with a Paragon loan (through Imagine Finance). I have prepared a letter (SAR) to send when I settle the loan within the next couple of weels. The loan was originally for £35k and after a year i'm need to pay £37k to settle (this is due to the PPI).

 

Good luck.

 

Craig (must be something to do with the name!)

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On a loan of ours (FistNat/GE), on the info re the PPI(one off Payment) it states "This insurance may not be cancelled by you or the insurers". Are they allowed to do this? this is exactly the reason the ppi was mis-sold to you, you understood it to be ppi and not a further advance ,i have wrote to ge on this reason and asked for all payments be returned also enclosed a copy of the report by the fsa showing ge and the fine for mis-selling

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