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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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      If you are buying a used car – you need to read this survival guide.
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    • Big Motoring World Enfield /Blackhorse - done over on car - @BigMotoringWrld

      ATJ posted a topic in Vehicle retailers and manufacturers,

      Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

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      Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
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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.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      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.

Northern Rock PPI Claim. ***RESULT***

maroondevo52
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maroondevo52

maroondevo52

Posted
Posted

Just about to SAR Northern Rock, whats the best address to send it to and which template to use ?

Any advice I give is honest and in good faith.:)

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dx100uk

dx100uk

Posted
Posted

the std sar is ok

 

there is also a ppi line at nram too.

 

what type of accoun and s this asset anagement or the other northern rock lot

 

got the agreement

 

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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maroondevo52

maroondevo52

Posted
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Posted

It's a mortgage account dx, had one with them for donkeys.

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dx100uk

dx100uk

Posted
Posted

then treat as a sinle premuim loan

NRAM do actualyl write to people

and do it for them.

 

there is a PPI Iine number somewhere.

 

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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maroondevo52

maroondevo52

Posted
  • Author
Posted

NRAM do actualyl write to people.

dx

 

They did on the 21st May 2012 saying.......

 

Whilst your account is now redeemed, it appears that we made an administrative error when your account was originally set up.

 

Therefore a cheque for £12.47 is attatched to this letter to rectify this error.

 

Included in this amount is £3.93 representing 8% simple interest on the amount charged in error, Interest has been paid gross and is potentially taxable, so you may need to inform Her Majesty's Revenue and Customs of this payment.

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

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RIP: Rooster-UK - MARTIN3030 - cerberusalert

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dx100uk

dx100uk

Posted
Posted

thats not PPI obv!!

 

rng them monday and ask about PPI

it mght well be easier to get them to do it as its free.

 

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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maroondevo52

maroondevo52

Posted
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Posted

Sound, I'll give them a call, still need to SAR them as I'm checking out what payments I've made to Scott & Co over the years, I'm sure they are at the ham regarding Council Tax monies due.

Any advice I give is honest and in good faith.:)

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If you can, please donate to this site.

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RIP: Rooster-UK - MARTIN3030 - cerberusalert

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maroondevo52

maroondevo52

Posted
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Posted

SAR sent today :-)

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

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RIP: Rooster-UK - MARTIN3030 - cerberusalert

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  • 1 year later...
maroondevo52

maroondevo52

Posted
  • Author
Posted

Also forgot about this one, had a reply a few weeks ago and they (NRAM) are looking into it :)

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

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  • 2 weeks later...
maroondevo52

maroondevo52

Posted
  • Author
Posted

Letter from NRAM today.....

 

"When we contacted you on the 30th July 2014 we anticipated our investigations would be complete and you would have a full response from us by now.

 

This is not the case and I'm sorry we are not in a position to resolve your complaint. You will hear from us within the next 20 working days. In the meantime thank you for your continued patience"

 

 

Not sure if that's a good thing or not :)

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

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  • 2 weeks later...
maroondevo52

maroondevo52

Posted
  • Author
Posted

Phone call from NRAM today, told them to call back tomorrow.

 

What would they want and is it advisable to speak to them.

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

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maroondevo52

maroondevo52

Posted
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Posted

They phoned an hour later than they said they would, caught me off guard. :)

 

Asked if I was using a CMC.

Then said they had found an old loan from 1994 and did I want them to investigate this also.

 

Go on then, twist my arm.

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

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  • 3 weeks later...
maroondevo52

maroondevo52

Posted
  • Author
Posted

Offer from NRAM today.

 

 

Mortgage Payment Protection Insurance

 

Amount of premiums which we will refund.....£1,291.31

Gross Interest 8% on premiums paid...........£1,443.46

Less tax deducted at 20% from interest.........£ 288.69

Net interest received.....................................£1,154.77

 

Total refund.................................................£2,446.08

 

 

Personal Secured Loan Payment Protection Insurance

 

Amount of premiums which we will refund........£462.24

Gross Interest 8% on premiums paid................£316.33

Less tax deducted at 20% from interest............£ 63.27

Net interest received........................................£253.06

 

Total Refund....................................................£715.30

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

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RIP: Rooster-UK - MARTIN3030 - cerberusalert

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dx100uk

dx100uk

Posted
Posted

is that inline with any spreadies?

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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maroondevo52

maroondevo52

Posted
  • Author
Posted
is that inline with any spreadies?

 

I'm not sure dx,

 

The Ist claim ran from Sept 1994 1st payment was made on 1st March 1995, the last payment Sept 2006.

Payments were £9.29 per month.

 

The 2nd claim ran from Oct 2005 to October 2006, payments were £38 per month.

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

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  • 4 weeks later...
maroondevo52

maroondevo52

Posted
  • Author
Posted

Payment from NRAM in my account today :)

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

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