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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.

Barclays Overdraft PPI **WON +£7k**

vaultsman
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vaultsman

vaultsman

Posted
Posted

Hi,

 

I've recently been helping my partner (who's not the most organised when it comes to money) review her outgoings.

 

In doing so, I noticed she was paying £14.00 monthly for Overdraft PPI....and has been since 1999 when she returned to work part-time once her son reached school age.

 

She can't remember asking for this insurance and has never claimed on it. I believe she was mis-sold it on the basis she believed it to be compulsory.

 

We've now cancelled the policy and the DD. Is it best to use the online Barclays questionnaire to claim a refund ?

 

Any tips on filling this out, please?

 

Thanks in advance,

 

Stan

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dx100uk

dx100uk

Posted
Posted

I would be gathering all the info you can

 

 

SAR time?

 

 

when you have the info

 

 

do a spreadsheet which is at the end of the link 1 below which you should read upon how to calculate the reclaim

and use the FOS customer questionnaire here too http://www.financial-ombudsman.org.uk/publications/technical_notes/ppi.html

 

 

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

Still be the statint sheet

You simply enter each monthly payment on its own row

 

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
http://www.consumeractiongroup.co.uk/forum/showthread.php?330996-Latest-Spreadsheets-PPI-Claims-and-Charges-Claims-Dec-2011

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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  • 1 month later...
vaultsman

vaultsman

Posted
  • Author
Posted

Many thanks to dx100uk for their advice on this.

 

 

My partner finally received the SAR pack, complete with all the relevant statements, from Barclays on New Year's Eve.

 

Using the StatInt sheet, I've now calculated the total premiums paid since Jan 99 to be £2410 and the interest to be £1460.68.

 

I assume we should now fill in the FOS questionnaire and print off the calculation?

 

 

Should these be submitted direct to Barclays?

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dx100uk

dx100uk

Posted
Posted

sounds about right

I've asked our team Barclay expert to pop in.

 

 

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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slick132

slick132

Posted
Posted

Hi VM,

 

Barclays Expert - Hmm, :oops::-D

 

Did the SAR response refer at all to the issue of PPI for the o/draft.

 

Otherwise I have nothing to add to what's been said already by DX.

 

:-)

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vaultsman

vaultsman

Posted
  • Author
Posted

No, there's no mention of the policy in in the SAR pack other than the first monthly deduction on the January 1999 statement.

However, the first statement printout supplied in the pack is for January 1998 and is referenced as Sheets 251 & 252 so it doesn't look as if all the info as been supplied.

 

The first monthly PPI deduction in January 1999 is for £4.80, calculated as 600 x £0.80 per £100.

My partner had left her full-time employment in 1995 to have a baby and returned part-time with the same employer sometime in 1997. She was already operating an overdraft on the account prior to January 1998, and paying monthly interest on this. She returned to full-time with the same employer in December 1998.

 

She's adamant she would not have sought this PPI policy in 1999, and believes she agreed to it after a bank initiative for her to take it out.

Probably under the impression that it was a condition of her continuing overdraft.

 

That's the line I think we'll take on the questionnaire.

 

 

Does that sound effective?

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slick132

slick132

Posted
Posted

Hi VM,

 

Sounds fine to me.

 

:-)

We could do with some help from you

                                                                PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

                                            Have we helped you ...?  Please Donate button to the Consumer Action Group

 

Please give something if you can. We all give our time free of charge but the site has bills to pay.

 

Thanks !:-)

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  • 5 weeks later...
vaultsman

vaultsman

Posted
  • Author
Posted

Update

 

I sent the completed FOS questionnaire plus a print of the StatInt calculation to Barclays on the 18th January

and my partner received an acknowledgement letter (dated the 22nd) on the 25th January,

in which Barclays said they would write again by mid-March.

 

So it came as rather a (pleasant) surprise when she was routinely checking her current account balance the next day..

..to see a receipt labelled "PPI + INT"....

 

....for £7,630.65. :-o:-o:-o

 

She received a letter advising her claim had been upheld on the 28th, with the calculation enclosed as follows:

 

Refund of premiums paid: £2,410.00 (as I'd calculated)

 

Refund of interest charged on premiums: £1,209.48

 

Refund of associated fees: £1,663.25

 

Sub-total £5,282.73

 

8% Interest (Statutory Compensation) £2,934.89

 

Less 20% Basic Rate Tax on Interest - £586.97

 

To say we're delighted is an understatement.

 

 

Many thanks again to dx100uk and slick132!!!

 

Stan

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slick132

slick132

Posted
Posted

Hi VM and thanks for the update.

 

Sounds like a great result and an excellent cause for weekend celebrations !!:whoo::cheer2:

 

If you can manage a Site Donation, it'll help us remain here to help you and others in the future.

 

:-)

We could do with some help from you

                                                                PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

                                            Have we helped you ...?  Please Donate button to the Consumer Action Group

 

Please give something if you can. We all give our time free of charge but the site has bills to pay.

 

Thanks !:-)

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slick132

slick132

Posted
Posted

Thanks for that :thumb:

We could do with some help from you

                                                                PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

                                            Have we helped you ...?  Please Donate button to the Consumer Action Group

 

Please give something if you can. We all give our time free of charge but the site has bills to pay.

 

Thanks !:-)

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dx100uk

dx100uk

Posted
Posted

hey great news!!

 

 

glad to help

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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