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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.

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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 from Topman (GE Money) Store Card - Where to start?

Kevzie
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Kevzie

Kevzie

Posted
Posted

Hi all, found this site via MSE and have just registered after having a look around.

 

After reading through some threads it dawned on me that I had a Topman Store Card (not sure how long ago, about 5-10 years) and its possible I could have had PPI and be able to claim some back!?

 

Not sure where to start. Dont have my account number or any statements, so what would be my 1st step to making a claim? :???:

 

Thanks in advance

 

Kev

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ims21

ims21

Posted
Posted

Hi

 

Top Man cards are now with Santander

 

Santander Cards UK Limited. Registered office: 2 Triton Square, Regent’s Place, London, NW1 3AN

 

SAR them for your account details and transaction history. However, due to the passage of time they may not have much on you.

 

The SAR template is in the CAG library, the link to which is at the op of every CAG page in green. Make sure you give your full name and the address(es) you were living at while the account was live

 

Is this account still running or has it been paid off and closed? If the latter, when was it closed?

 

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Kevzie

Kevzie

Posted
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Hi

 

Top Man cards are now with Santander

 

Santander Cards UK Limited. Registered office: 2 Triton Square, Regent’s Place, London, NW1 3AN

 

SAR them for your account details and transaction history. However, due to the passage of time they may not have much on you.

 

The SAR template is in the CAG library, the link to which is at the op of every CAG page in green. Make sure you give your full name and the address(es) you were living at while the account was live

 

Is this account still running or has it been paid off and closed? If the latter, when was it closed?

 

 

Hi

 

Thanks for the advice.

 

The account was in arrears a number of years ago and was paid off and i assume closed

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ims21

ims21

Posted
Posted

Ok so if it was more than six years ago they may have destroyed the data but it might be wroth a tenner to find out.

 

 

If they have no data they should send your ten pounds back

 

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Kevzie

Kevzie

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Ok so if it was more than six years ago they may have destroyed the data but it might be wroth a tenner to find out.

 

 

If they have no data they should send your ten pounds back

 

is it worth ringing them to see if they can find any info? and also i dont have a cheque book so cant send a cheque for the £10.

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dx100uk

dx100uk

Posted
Posted

use a PO

 

i wouldn't ring them no

 

you need to use the legal request route via an SAR

 

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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Kevzie

Kevzie

Posted
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Posted
use a PO

 

i wouldn't ring them no

 

you need to use the legal request route via an SAR

 

dx

 

ok thanks, will get a SAR sorted then. is it always £10 needed to get the info?

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dx100uk

dx100uk

Posted
Posted

one per 'group' of companies yes

 

ideally you only need to sent one sar per banking group

 

 

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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dx100uk

dx100uk

Posted
Posted

IMHO no

 

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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Kevzie

Kevzie

Posted
  • Author
Posted

Have just joined up to noddle.co.uk and checked my credit history for free, found right at the bottom, info on my topman account :-)

 

Account type Budget Account

Account number ************1729 0 (doesnt have full account number)

Account start date 30/07/2000

Account end date 22/12/2006

Regular payment £

Payment start date 30/07/2000

Repayment frequency Monthly

 

Can i use any of this info in my claim? now i know it was settled 5 years ago. Credit limit was only £120, but did miss payments and went over my limit. in view of the low amount, would it still be viable claiming for PPI on this account?

 

Thanks in advance of your advice :-)

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dx100uk

dx100uk

Posted
Posted

you'll need the statements

 

get in there quick SAR] before they pull the 6yrs rule.

 

you'll be surprised how much even £2.50 is worth from 10yes ago comopunded

 

as would yours be as its a credit card.

 

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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Kevzie

Kevzie

Posted
  • Author
Posted
you'll need the statements

 

get in there quick SAR] before they pull the 6yrs rule.

 

you'll be surprised how much even £2.50 is worth from 10yes ago comopunded

 

as would yours be as its a credit card.

 

dx

 

Thanks, will do, just glad i found the info as did not have a clue how long ago it was. now i know its 5 years and will get onto them ASAP :-)

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