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    • Appreciate your swift input and amendments! I've reworded some of it (and will likely reformat the page a bit before printing to make it neater) but I've included the majority of your suggestions. Let me know what you think. Would you recommend I email this to the individual who declined the compensation as well as sending it by post? Cheers Switch2 - Letter of Claim v3.pdf
    • I suggest (change in red) -   The Defendant contends that the particulars of claim are vague and generic in nature which fails to comply with CPR 16.4.  The Defendant accordingly sets out its case below and relies on CPR r 16.5 (3) in relation to any particular allegation to which a specific response has not been made. 1.  The Defendant is the recorded keeper of [car reg no]. 2.  It is denied that the Defendant entered into a contract with the Claimant. 3.  As held by the Upper Tax Tribunal in Vehicle Control Services Limited v HMRC [2012] UKUT 129 (TCC), any contract requires offer and acceptance.  The Claimant was simply contracted by the landowner to provide car park management services and is not capable of entering into a contract with the Defendant on its own account, as the car park is owned by and the terms of entry set by the landowner.  Accordingly, it is denied that the Claimant has authority to bring this claim.    4.  In any case it is denied that the Defendant broke the terms of a contract with the Claimant. 5.  The Claimant is attempting double recovery by adding an additional sum not included in the original offer.  6. The Claimant is claiming an unlawful amount of interest.  The dispute between the parties concerns a disputed, unpaid invoice, issued on 6 January 2025, on which it is written "Payment to be made by 06-Feb-2025".  Yet the Claimant is claiming interest from 4 January 2025.  7. The Particulars of Claim is denied in its entirety.  It is denied that the Claimant is entitled to the relief claimed or any relief at all.
    • Okay. That sounds a lot better. Hopefully you now realise that the third party rights act only applies if you have used a parcel broker but you are trying to sue the courier company directly. So because you contracted directly with the courier, you are going to sue them directly. By using insurance or prohibited items or non-compensation lists, they are seeking to exclude or limit liability for failure to exercise reasonable skill and care – and of course this is contrary to section 57 of the consumer rights act and in fact the insurance that they pressurise you to purchase amounts to a secondary contract under section 72 of the Act because it is a prohibited secondary contract which is attempting also to limit or exclude liability for failure to exercise reasonable skill and care. The prohibited items list is an unfair term as you have already pointed out. Even more significantly here not only are they saying that it is prohibited – but they are saying this despite the fact that they were very happy to take your money in respect of insurance. These people are stupid and dishonest. But also now they will abuse the County Court system by making you jump through the hoops because it costs them scarcely anything at all to use up the County Court system because it is a publicly funded taxpayer resourced system of justice. They don't use this to obtain justice. They use this simply as a means of debt avoidance to try and frustrate their customers legitimate claims.   Okay I've made a few amendments – and also I've added a further head of damage for unfair trading which could give you a next your little bit of money and also an extra little bit of leverage. Please have a look. See if you are happy with it. If you want to take anything away. If you want to add anything. If there is anything which is incorrect – and post up the final draft here please for a last look.
    • Nope, not yet filed, have it in draft but was going to leave it a little while until nearer the deadline 🙂
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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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Hi All,

I'm new to the site and would be immensely grateful for advice upon the following:-

I have two (2) separate personal loans from Lloyds which had loan protection taken out at same time as each loan. (I was not employed when I took the loans out)

Also, I have a credit card with Lloyds, again with protection on it.

Long story short, I was unable to pay either the loans or the credit card around 2years ago (that hasn't changed). I cancelled the Direct Debits etc, but, the bank basically took the monies from my account. In order to avoid penalties resulting from going overdrawn, I set up IVA with the bank for both loans. As for the credit card, I am just about managing the minimum payment.

Now, what I want to ask is, can I claim back ALL the payment protection monies that I have already paid to both my loans AND my credit card? Also, how would I go about it? Feeling a little confused with the terminology!!

Many thanks,

J:)

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Was the PPI unsuitable for you in any way? Were you self employed, or in part time employment, for example?

 

Did they say you couldn't have the loan with out the PPI?

 

As I understand it, if it was mis-sold (and most of them were), you can claim back all your PPI payments.

 

I'm not an expert on this and hopefully someone more knowledgeable will be along soon - just didn't want to leave you with no replies:)

 

There is a forum specifically for this issue, I believe - I'd have a good read of the threads if I were you. You'll be amazed by how much you learn in a short time.

 

Best of luck.

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Hi, LoopyLou22.

 

This thread will get more response in the PPI Forum, I'll move it for you.

 

Regards.

 

Scott.

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 - Slick132

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Hi Underdog,

 

Thanks for replying :)

 

Basically, when I took the first loan, 2nd loan + credit card, I was a full time mature student at Uni, I recall them saying the ppi would pay the loan off if i were to die! So that kind of convinced me to take the ppi with the loan.

 

The second loan I got I just recall him saying something along lines of it being in my best interests - can't truthfully remember. I do recall him showing me the difference in cost ie// with or without the ppi.

 

With the credit card, again, all I recall is that it was 'in my best interests to have protection' no full explanation really given or alternatives suggested.

 

Come to think of it, the ppi wasn't really suitable for me as I wasn't working! So, as I have an IVA set up on the loans, can I claim the ppi back that I have already paid?

 

Many thanks again,

 

J :)

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You're welcome LoopyLou.

 

Totally mis-sold, IMO!

 

PPI will pay it off if you die!!!!!:eek::p In your best interests, yeah right! Nothing to do with the walloping commission he received for selling it to you, then;)

 

I don't think the IVA will make any difference to your claim, but as I say I'm no expert on this area. I see that the site team have moved you to the PPI forum, so I'm sure someone with greater knowledge than me will be along soon.

 

Best of luck:) Though I'm sure you won't need it:D

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If I were you I would send an SAR to Lloyds and get all the information on all the accounts.This will cost £10 and covers all accounts.They have 40 days to reply.

 

I would also send a seperate letter to Lloyds saying you were mis sold the PPI and stating your reasons. Then if they fob you off you will have the SAR coming to back up your claim.

Any opinion I give is my own and given without

any liability.

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Cheers Underdog,

 

I'm gonna see which letters I need to write and get the ball rolling ASAP!!!

I have something similar with Car Craft.....but thats a story for another thread!lol Will keep ya posted on how I get on :)

 

All help/Advice really appreciated,

 

Happy New Year,

 

J :)

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Hi and thanks for the advice,

 

I have the SAR form all ready to go and the letter to Lloyds stating why I think I was missold PPI, just unsure where to send... Would I send the SAR to the collections centre address in Brighton? And my other letter to my local branch? Gonna post tomorrow (Friday 2nd Jan) first class recorded.

 

Many thanks and Happy New Year :)

 

J :)

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Hi,

 

There's some info here.........

 

http://www.consumeractiongroup.co.uk/forum/lloyds-bank/236-lloydstsb-contact-details.html

 

Regards.

 

Scott.

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 - Slick132

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That would be fab Underdog :) As a wise man once said.... 'We will fight them on the beaches!' Well, we will fight this laterally - too cold on the beach right now!!!

 

Take care and good luck in your case too,

 

Jen :)

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Just found some paperwork in relation to one of the loans - can't find the other paperwork for other one. Anyhoo, on this loan I took it out in Nov 2003 it was for £5,500 and, wait for it PPI of £1292.37!!! I can only assume the other loans' PPI would be around same figure as that loan was for £5000.

Now then, on this statement they say the interest rate is 14.01%per annum....I have an IVA in place though so surely they shouldn't be charging interest upon it??!! The interest is cancelling out and actually adding to the balance I owe!!!

 

Jen :)

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That would be fab Underdog :) As a wise man once said.... 'We will fight them on the beaches!' Well, we will fight this laterally - too cold on the beach right now!!!

 

Take care and good luck in your case too,

 

Jen :)

 

Lol:D Think we'll be able to throw snowballs at them soon, according to the weather predictions.

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Hi Alana,

 

Not really sure what next step would be to be honest, once I get some feedback from the bank I'll take things from there :) I think the initial thing is highlighting to the bank that they have in deed missold me the ppi etc, which going by what I've read on other forums here and on the net, it looks promising as I was unemployed at time of taking them out :)

 

Many thanks for your support, will keep this thread updated

 

Jen :)

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Subbing

 

And I used the Chatam address and got a much more substantial response as when I used another one a few years ago - prepared for a large package mine was 2 ream worth but showed up some interesting stuff

If you can keep you head when all of those around you are losing theirs try parking your helicopter somewhere else

 

 

The PPI Saga

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