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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.

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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.

Insurance Loan-is this PPI?

twillardo
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twillardo

twillardo

Posted
Posted

Good Evening,

 

I am not sure if I am posting on the correct thread :???:

 

I have come across paperwork for loans that I had with the Bank of Scotland in 1998 & 2000, it includes "Insurance Loan - Services being financed, Creditcare Insurance Premium (Cash Price)

 

Does anyone have any experience of these?

 

Thanks in advance,

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BRIGADIER2JCS

BRIGADIER2JCS

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Posted

Versions of PPI and credit card/loan protection I think, almost certainly reclaimable.

 

A SAR to the bank will provide the data for the basis of a reclaim.

 

I'll ask someone to look in as soon as they are available, more expert in reclaims.

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ims21

ims21

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Hi and welcome to CAG.

 

Single premium insurance added to the loan at the start is 99.99% to be PPI which can be reclaimed if mis-sold. There is no time limit in PPI reclaims.

 

Have you got all of the statements for these accounts or a record of all the payments made?

 

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BRIGADIER2JCS

BRIGADIER2JCS

Posted
Posted
Hi and welcome to CAG.

 

Single premium insurance added to the loan at the start is 99.99% to be PPI which can be reclaimed if mis-sold. There is no time limit in PPI reclaims.

 

Have you got all of the statements for these accounts or a record of all the payments made?

 

Thanks for taking a look ims!

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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twillardo

twillardo

Posted
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Hi and welcome to CAG.

 

Single premium insurance added to the loan at the start is 99.99% to be PPI which can be reclaimed if mis-sold. There is no time limit in PPI reclaims.

 

Have you got all of the statements for these accounts or a record of all the payments made?

 

Hi ims,

 

You state that there is no time limit in PPI claims, however, I have read that you can only go back a set amount of years, what is the criteria?

 

Will a SAR request be enough? I am going back to 1997 & 2001 for two loans that were taken out, will I have to look out the statements or will the original paperwork be enough?

 

Apologies if this is a bit lengthy, any assistance will be greatly appreciated.

 

Thanks

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ims21

ims21

Posted
Posted

The six year limitation period would start from the date you discovered the "error".

 

In order to work out what redress you are due, you will need a record of the repayments made against the loans.

 

You already have the agreements (or at least the figures from them).

 

If these loans were paid off more than six years ago then there is a good chance that the lender won't have documentation for them.

 

This being the case, you would need to put in a claim and you would be relying on the lender to come up with a reasonably calculated offer.

 

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twillardo

twillardo

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The six year limitation period would start from the date you discovered the "error".

 

In order to work out what redress you are due, you will need a record of the repayments made against the loans.

 

You already have the agreements (or at least the figures from them).

 

If these loans were paid off more than six years ago then there is a good chance that the lender won't have documentation for them.

 

This being the case, you would need to put in a claim and you would be relying on the lender to come up with a reasonably calculated offer.

 

Thanks for the reply ims,

 

The loans were more than six years ago, I think I will send in a SAR and await their response, whilst I await a response I will search out my statements.

 

Thanks again, much appreciated

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twillardo

twillardo

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It would be fantastic of you have got the statements because if the bank try to wriggle out of your claim then you will have ll of the relevant information to give them a bloody nose.

 

Looking to buy time until they respond, will be interesting if I can source my statements and compare with the banks,

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twillardo

twillardo

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I am about to send of my Subject Access Request to the Bank of Scotland, I have looked through the CAG Forum and there appears to be a few, have searched on-line and came across the following, Data Subject Access Request Dept, Lloyds Banking General Insurance, Tredegar Park, Newport, South Wales, NP10 8SB

 

Has any body else used this address succesfully?

 

Thanks

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ims21

ims21

Posted
Posted

Have you been able to do a spreadsheet showing how much you should get back?

 

The main form to send to the lender is the fos consumer questionnaire available from here

 

http://www.financial-ombudsman.org.uk/publications/technical_notes/ppi.html

 

It is also a good idea to send a copy of the spreadsheet as well so that they know you are aware of what should be coming back.

 

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twillardo

twillardo

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Hi ims, thanks for the reply

 

I have used a spreadsheet that I had previously, however, doesn't look quite right, can't seem to find the CAG one?

 

Thanks

 

Have you been able to do a spreadsheet showing how much you should get back?

 

The main form to send to the lender is the fos consumer questionnaire available from here

 

http://www.financial-ombudsman.org.uk/publications/technical_notes/ppi.html

 

It is also a good idea to send a copy of the spreadsheet as well so that they know you are aware of what should be coming back.

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