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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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      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.

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      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.

Reclaiming PPI - Single Premium

nicho1120
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nicho1120

nicho1120

Posted
Posted

I wonder if anybody could help me. I am currently 24 months into a 10 year secured loan. I am wanting to cancel the PPI to reduce payments. I believe that because it is a single premium PPI then I should be entitled to a refund. First of all what should i put in the letter ??? Also If Im entitled to refund what are my rights as to what I should get back?? Also how should I ask for the refund to be paid to me???

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alibobsy

alibobsy

Posted
Posted

Have a read of the stickys at the top of this PPI forum and a few of the threads, you may find you could claim the whole amount back plus interest if it was miss sold to you.

Good luck

ali x

Btw I am no expert just give notes based on what I have read on here and other forums/sites, plus my own experiences and investigations.

 

All ccj's now dropped off file, 2 yrs to go to clear file.

All old debts either settled or made unenforcable.

 

RBS MPP-Full offer at 8 wks from first complaint

RBS Overdraft loanguard-full offer at 8 wks from complaint

Citicard ppi-with FOS finally paid 8 months after offer through FOS!

Capital one x2- with FOS

Monument ppi-with FOS

aqua x2 ppi-partialled settled still pushing for the rest

Black horse ppi-offers made and accepted except for one early loan they say no info held-still pushing for payment

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nicho1120

nicho1120

Posted
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I wonder if anybody could help me. I am currently 24 months into a 10 year secured loan. I am wanting to cancel the PPI on the accout.It is a single premium ppi which only covers me for the first years of the loan. First of all what should i put in the letter ??? Also If Im entitled to a refund what are my rights as to what I should get back?? Also how should I ask for the refund to be paid to me???

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hellhasnofury

hellhasnofury

Posted
Posted
I wonder if anybody could help me. I am currently 24 months into a 10 year secured loan. I am wanting to cancel the PPI to reduce payments. I believe that because it is a single premium PPI then I should be entitled to a refund. First of all what should i put in the letter ??? Also If Im entitled to refund what are my rights as to what I should get back?? Also how should I ask for the refund to be paid to me???

 

Hello Nicho and welcome,

 

I would do as Ali has suggested, read around the forum and especially this link. You can quote what the FSA have stated,

 

Please read this link by the Financial Services Authority

 

Consumers to benefit from PPI refunds agreement

 

Did you agree to the ppi, was it optional or a condition of the loan:???:.

 

Normally they will, knock the refund of the balance of the loan, but you can argue that you want it paid to you.

 

Do not agree to sign any new agreement though:-D

If any of my posts are helpful, please feel free to click my scales. All information is given as my opinion only, based on my own personal experiences. I have no legal training, but have educated myself in aspects of consumer legislation. My motto "NEVER GIVE IN, NEVER SURRENDER", THERE IS A WAR ON YOU KNOW

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nicho1120

nicho1120

Posted
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Posted

Thanks for the advice. I dont think that i could take it down the road of being mis sold. I did sign for it. Who do i write to. Is it the agent / the loan company or the insurance company ????? Also what % of what I have already paid will pay back ??

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hellhasnofury

hellhasnofury

Posted
Posted
Thanks for the advice. I dont think that i could take it down the road of being mis sold. I did sign for it. Who do i write to. Is it the agent / the loan company or the insurance company ????? Also what % of what I have already paid will pay back ??

 

You write to the company that sold you the premium. I would think it would be the loan Company:-D

If any of my posts are helpful, please feel free to click my scales. All information is given as my opinion only, based on my own personal experiences. I have no legal training, but have educated myself in aspects of consumer legislation. My motto "NEVER GIVE IN, NEVER SURRENDER", THERE IS A WAR ON YOU KNOW

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  • 4 months later...
tonycee

tonycee

Posted
Posted

Hi nicho1120.

That was a long time between posts.

Hold tight, the experts will be along soon.

Good luck.

I Wish you everything you wish yourself.

 

NatWest Claimed £1,639. Accepted £1,344.

Natwest Paid me again as GOGW £1,656. Yes they can have it back if they say please.

Barclays 1 Claimed £1,260. Won by default. Paid in full

Barclays 2 Claimed £2,378. Won by default. Paid in full

Birmingham Midshires. Claimed £2,122. Accepted £2,075.

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hellhasnofury

hellhasnofury

Posted
Posted
I wonder if anybody could help me. I am currently 24 months into a 10 year secured loan. I am wanting to cancel the PPI on the accout.It is a single premium ppi which only covers me for the first years of the loan. First of all what should i put in the letter ??? Also If Im entitled to a refund what are my rights as to what I should get back?? Also how should I ask for the refund to be paid to me???

 

Hello Nicho,

 

I think I put this up on another one of your threads

 

Consumers to benefit from PPI refunds agreement

 

I would just write a simple letter to them asking to cancel the policy from the date of the letter.

 

Now as for the refund, their standard practice would be to deduct the remaining amount, into the balance of the loan, therefore reducing the balance. Do not agree to have a new loan.

 

Are you then going to reclaim back the monies you have paid as it was mis-sold??????

If any of my posts are helpful, please feel free to click my scales. All information is given as my opinion only, based on my own personal experiences. I have no legal training, but have educated myself in aspects of consumer legislation. My motto "NEVER GIVE IN, NEVER SURRENDER", THERE IS A WAR ON YOU KNOW

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nicho1120

nicho1120

Posted
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Posted

just wrote a letter basically saying that i wish to cancel the insurance policy with immediate effect and according to the recent report by the FSA i am entitled to a fair refund. I have asked for this to be either knocked off the outstanding balance or give me a cheque. I will not be accepting a new loan. is this o.k ????

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