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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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    • 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.

Reclaiming PPI for Myself & Grandmother... Advice Please!!! :)

AJ2012
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AJ2012

AJ2012

Posted
Posted

Hi All!

I have decided to try and Claim the PPI back on my old Lloyds Credit Card...

My Nan also has various Credit Cards with PPI so I said shes not go anything to loose!!

Firstly, I don't really have any Details of my Lloyds Credit Card, apart from 1 Statement... so what action should I take in the first instance??

Also, is it only Lloyds you can do this with...?? (Sorry Im new to all this) :)

If someone could let me what I need to do to get the ball rolling, I would be very much appreciated!!

Thanks & Kind Regards,

AJ2012 :) xx

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BankFodder

BankFodder

Posted
Posted

You can claim from anyone.

If you don't have the info you need then send an SAR for each of you.

Is your gran able to do it for herself? If not then you should complete a third party authority to allow you to handle it on her behalf.

 

Read as much as you can on the forum about how to go about it. Don't expect a lot of help from the bank.

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AJ2012

AJ2012

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So Credit Cards from Barclays etc can all be claimed from?

 

My gran is able to do it herself, she is capable, its just neither of us know where to start :)

 

So I need to send an SAR to each in the first instance? Thanks for your advise, I have a feeling your going to be a little guide for me :)

 

Thanks again... AJ2012 x

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AJ2012

AJ2012

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Oooh... Also...

 

My Credit Cards are all paid off... However I think my Nan is still Paying hers off on a Debt Management Programme... (Which she has been on for the last 4 or so years)

 

Will this affect the claim?

 

AJ x

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MandM

MandM

Posted
Posted
Oooh... Also...

 

My Credit Cards are all paid off... However I think my Nan is still Paying hers off on a Debt Management Programme... (Which she has been on for the last 4 or so years)

 

Will this affect the claim?

 

AJ x

 

Is the DMP with the original card issuer?

 

Mike

 

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AJ2012

AJ2012

Posted
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Is the DMP with the original card issuer?

 

Mike

 

 

Hi Mike!

 

It isn't.... Im not sure what DM Company she is actually with, but I know she has an arrangement to pay with them and all has been going smooth for years...

 

Thanks!

 

AJ2012 x

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MandM

MandM

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Hi Mike!

 

It isn't.... Im not sure what DM Company she is actually with, but I know she has an arrangement to pay with them and all has been going smooth for years...

 

Thanks!

 

AJ2012 x

 

OK. I only ask as this may affect how/if she is paid back or whether the reclaim is off set against the 'debt'.

 

It would be worth your while setting up a thread on each one. They're all different, some much less helpful than others :roll:. Some will be a little more complicated as many of these cards have been sold on, as have the debts. But none of this affects your right to claim.

 

Mike

 

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AJ2012

AJ2012

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OK. I only ask as this may affect how/if she is paid back or whether the reclaim is off set against the 'debt'.

 

It would be worth your while setting up a thread on each one. They're all different, some much less helpful than others :roll:. Some will be a little more complicated as many of these cards have been sold on, as have the debts. But none of this affects your right to claim.

 

Mike

 

Thanks Mike, helpful info there!

 

I understand in the first instance an SAR is required to be sent to each creditor..?

 

Do you know where we go from there?

 

AJ2012 :)

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MandM

MandM

Posted
Posted
Thanks Mike, helpful info there!

 

I understand in the first instance an SAR is required to be sent to each creditor..?

 

Do you know where we go from there?

 

AJ2012 :)

 

Will depend what comes back on the SAR. It SHOULD give you the account statements, therefore an accurate record of what was paid towards PPI each month. That's your starting point.

 

From that you can use the spreadsheets on these forums to calculate the interest that they will also owe you. Some of the PPI chaps will no doubt look in later on and they tend to have the links to this info within there signature panels on the bottom of their posts. Makes it all nice and easy :-).

 

Def get those SARs off first and see what you find.

 

Mike

 

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dx100uk

dx100uk

Posted
Posted

see the links in my sig

 

penalty charges and PPI will need to be sep claims.

 

just as a side note

 

if shes paying for that DMP dump them!!

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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AJ2012

AJ2012

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Thanks again Mike!!

 

Thanks dx100uk.... My nan is paying for her DMP... but shes got alot of Debt, I don't think she would be able to handle it alone... she is 79 :)

 

I will have a look at your signature links... thanks!

 

AJ2012... x

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dx100uk

dx100uk

Posted
Posted

get her cra file

and make SURE all the debts she is paying through the DMP show

 

and

who are the DMP co?

 

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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