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    • 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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Who to send the PPI Questionnaire too


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Hi Everyone,

 

Only a quick question I hope.

 

I've filled in the PPI consumer questionnaire form that I downloaded from the MSE site, but I'm unsure of who to send it too. The policy is an AVIVA (or Norwich Union as it was back then) one, but it was sold to me via the Coventry Building society when I took my mortgage out. It was redundancy protection insurance, that at the time (2003) I thought was an integral part of the mortgage I was getting and not an option. So who to send it too? The Coventry or AVIVA?

 

Cheers

 

Dave

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whoever you paid your mortgage too.

 

however, it would be better to get a spready done of what you require back.

 

firing off just a speculative letter or a copy of the FOS CQ

 

just leaves you open to let them short change you.

 

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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One more thing. The original mortgage was with the Coventry Building Society and it was one of there "advisers" that sold us the PPI, but we changed our mortgage provider back in 2007 to the Nationwide, but the premiums to the PPI kept going to Aviva.

 

Would the Coventry BS still be the people to send the claim too?

 

 

Cheers

 

Dave

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the advisor sold you the mortgage on behalf of Cvt so yes.

he made a healthy commission out of you as well.

 

so you'll need to fill this in:

 

This first spreadsheet is the latest version of the statutory interestlink3.gif calculator and is used for Single Premium PPIlink3.gif cases. It can also be used where rollover PPI is involved, i.e. a new loan re-financing a previous one and where PPI is included in one or more loans. It can also be used for S69 redress calculation on any sum, like on a closed/frozen interest PENALTY charges claim.

 

StatIntSheet v101.xls

 

put in EVERY payment and its date

however it might well turn out you'll target Aviva in the end, but worth cancellling it noe [if you are still paying it?]

 

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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