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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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    • UsedCarMan
      Lowell/Shoes SPC Claim Forfar Sheriff Court - Old Newday Credit Card.

      By UsedCarMan · Posted

      Are these the important pages I need to upload ? 1.  pages 1-4 are court form 10a 2.  2 pages of the CCA agreement  3.  Default notice from NewDay, 22/02/20 4.   Lowell letter stating they own debt ,     Dated 16/11/20 5. Unheaded letter also dated 16/11/20 from NewDay saying they assigned “all of the respective rights etc,”  to Lowell on 23/10/20 I make this 9 relevant pages from what I can see   ( all other pages are statements/default notes and lots of FCA info sheets) just needing your confirmation in advance as I don’t want to send over pages that are not required thank you  UCM      
    • HP Mum
      my Leasehold/Freehold property and it's issues.

      By HP Mum · Posted

      Just out of curiosity aesmith - are you a lawyer?
    • HP Mum
      my Leasehold/Freehold property and it's issues.

      By HP Mum · Posted

      I spoke to a pro-bono entity this afternoon.  They advise I must initiate a claim in the court v the receiver if I want to then file an application for an order for sale.  I must have a claim/ proceedings to be able to force a sale. The judge in the current proceedings  has told me that I cannot force the lender to sell and the lender cannot interfere either.   If the receiver isn't acting correctly and isn't selling - this means I must make a claim against the receiver I could initiate a claim. Or much quicker  - the other entity - with a charge already - could use that to make an application for an order for sale.
    • GB_Joe
      EPC ANPR PCN - Overstay - Solent Retail Havant Car Park, PO9 1ND

      By GB_Joe · Posted

      Thanks Dave It's not too far away, about 8 or 9 miles, so I will probably venture over on my bike if I can't think of a good reason to drive there again! I'll have a chat with Mrs GB_Joe tomorrow and see which shops they visited, I know M&S was on the list (had to try on multiple sets of trousers!) and they are actually in that bit of retail park. The uniform shop is across the way in the Meridian Centre, so probably not helpful to get them involved.
    • lookinforinfo
      PCM PCN - Royale Leisure Park - W3 (London)

      By lookinforinfo · Posted

      As they have failed to deliver their original PCN you will need to send them an SAR where they should provide that PCN. It should show the address they used . If it is not your current one that would explain the non delivery. If it was correct then perhaps the Post office messed up. A more cynical view would be that UKPC didn't send it so that you couldn't claim the reduction. It appears that UKPC have been there for some time  but I have been unable to find any pictures of their Notices.The leisure park itself is pretty big so while some parts maybe give 5 hours free parking other parts may have restrictions like permits. I haven't been there for years -I went  to Nandos and the bowling centre . I am surprised that they are now infested with UKPC as the place is plenty big enough not to require their dubious services. If you live not to far away it would help if you could get some legible pictures of their signs. Be carful to park in an area that doesn't require a permit and take photos of the entrance signs, the five hour sign and the permit only sign as well as any other signs that are different from the previous signs. Also if their is a payment machine could you please photograph that.

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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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      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.

6 Things you don't want to know about FSA

crfx250

By crfx250
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crfx250

crfx250

Posted
Posted

The FSA's ''light touch'' style of regulation was set up by Gordon Brown as Chancellor. It was and is proof of New Labour's pro business policy. Which is why the worlds bankers and brokers want to do business in London and not New York where, post Enron, tough regulation is seen as neccessary.

 

Here are 6 depressing facts uncovered by Harvard professor Howell E Jackson in a dispiriting compare and contrast exercise with the FSA (Fundamentaly Supine Authority) and it's US equivalent the SEC

(Securities & Exchange Comission).

 

1 In the period 2002 to 2004 The SEC took out 3624 enforcement actions against financial institutions compared to the FSA's ..err ..72.

 

2 The FSA employs less than 15 percent of the staff of it's US counterpart.

 

3 40 percent of SEC staff work on enforcement compared to just 1 in 10 at the FSA.

 

4 Insiders describe a general malaise of low morale an high staff turnover. It's own staff have described senior management as being ''asleep at the switch'' especialy on the enforcement side.

 

5 Last year the SEC filed 46 insider-dealing cases including some against British firms. And the FSA? Try none.

 

6 In 2005 the FSA did manage to fine hedge fund traders GLG Partners £750.000 for 'market abuse' while the SEC imposed a £1.7 million fine on GLG this year for the lesser charge of 'trading ahead of bond shares'. FSA Chairman Sir Howard Davies resigned shortly afterwards to take up the post of 'advisor' to ...GLG Partners.

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photoman

photoman

Posted
Posted

interesting and unerving !!

All opinions and advice I offer are purely my own, and are offered without any liability. If unsure seek the help of a licensed professional

...just because something's in print doesn't mean its true.... just look at you Banks T&C's for example !

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Noddy73

Noddy73

Posted
Posted

Spin is what I call it. USA and New York has and is trying to "blacken" London reputation as it is losing the batttle to be the Worlds Financial Centre.

 

FSA is not a "light touch" but risk based regulator. SEC is a control based regulator.

 

Stats, stats and the stats. I read from the stats that more crime happens in the US than London ;)

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Noddy73

Noddy73

Posted
Posted

Since 2006 and the implementation of Arrow, the FSA has been a risk-based regulator.

 

Actually most financial firms have more principles that most other industry sectors. This is because they are directly regulated unlike many other secotors / industries.

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crfx250

crfx250

Posted
  • Author
Posted
Since 2006 and the implementation of Arrow, the FSA has been a risk-based regulator.

 

Actually most financial firms have more principles that most other industry sectors. This is because they are directly regulated unlike many other secotors / industries.

 

 

So what is 'risk based' Noddy?

 

Financial firms and particularly banks should be more regulated than other

sectors as they have unparalleled privileges ie they can take any charges

directly from your account as they are in a position of trust 'fiducial'.

 

Credit Today online

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Noddy73

Noddy73

Posted
Posted

Google "Arrow and FSA". Happy reading.

 

Unparalleled privileges. >. Any company with a direct debit can do that.

 

They can only do what you "allowed them to do" when you signed the contract. If you do not like the contract terms, go find someone else.

 

>

Personally I do not think the bank are that bad as you know you can complain to the FOS. I have had more hassle from telephone and gas providers.

>

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crfx250

crfx250

Posted
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Posted
Since 2006 and the implementation of Arrow, the FSA has been a risk-based regulator.

.

 

 

well not for long by the looks of things

 

The FSA’s move towards more principles-based regulation: the role of the ombudsman. Speech by Walter Merricks, chief ombudsman, at the FSA’s conference on the future of regulation

 

speech by Walter Merricks, chief ombudsman, at the FSA’s conference on the future of regulation

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