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    • depends what the fees are, typically nothing can be added once judgement is passed bar litigation costs. on document retention time limits etc at least 6yrs previous must be held though many hold complete info. as for acronyms and abbreviations ideally yes they should     
    • Still have to submit a statement either system....if they fail they can only give verbal because they failed to file and serve.
    • OP stated they had been arrested, but not charged (let alone convicted). They DON'T have a criminal record, but do have an entry on the PNC. That information stays on the PNC (Police National Computer) for life, but doesn't get released in a standard DBS. It only MIGHT get released for an Enhanced DBS (eDBS) check  ... but it would be incredibly unlikely. (The rational behind this is that eDBS's allow for 'information at Chief Officer of Police's discretion' ..... this covers the 2 'barring lists' and is also intended for the scenario where someone has multiple arrests or investigations, where safeguarding is a concern .... it was brought in after the Soham murders / Ian Huntley case, where the information known about the now-convicted child murderer may have prevented his employment in a school, had it been made available). So, for the sake of accuracy and completeness, arrests stay on the PNC for life, wont appear in a standard DBS, MIGHT appear in an eDBS, but in reality, would be the exception rather than the norm, and I can't see them being released  to a defense barrister. What then if the defence found out a different way, and brought it up in court?. Again, unlikely, but the important feature is that the judge would make sure they trod very carefully!. They MIGHT consider using it if there were other factors that allowed them to try to cast doubts as to the truthfulness of your evidence, but on its own : No way. Anyone MIGHT be arrested (if a seemingly plausible complaint been made against them)! The approach to take if it did come up is to be truthful. "Yes, I was arrested. It arose from a vexatious complaint. I wasn't charged, let alone convicted. That could happen to any one of us, if a vexatious complaint gets made" Far better that than lying, saying you'd never been arrested, and getting caught in a lie : that would ruin your credibility. I'm incredibly doubtful it will even come up, though.
    • we dont get N157 because its new OCMC but no court dont have evidence either.   Just seems a bit of a pointless wait but oh well
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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.

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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Welcome Finance high Interest and PPI


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Dear All,

I have taken Unsecured Loan from Welcome finance 3 and half year ago

Loan details are as follows:

Loan Credit amount: £3500

PPI: £1400

Personal Insurance : £190

 

Total amount credited to me : £5090 in 2008

Total amount payable: £9600 at the end of 2011

 

So far I have paid more than £8000 of £9600.

I have realized that the charges and interest rate from welcome finance are beyond my reach to fulfill. As I am pending total sum of £4900 still to pay (considering £8000 already been paid, this loan is costing me > £1300!!)

 

Current status:

I have raised PPI claim and awaiting response

I have stopped making payment to Welcome Finance (Considering I have been mis-sold PPI and I woun't need to pay £9600 if I did not have PPI amount and interested added to it).

Recently Welcome Finance has sent me letterstating they are traferring my pending amount to Debt Recovery Agent.

 

I'm in no position to pay this amount.

I need help, what else I can do now?

 

Thanks in advance

Edited by Trobled_in_debt
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Hi and welcome to CAG

 

I've unapproved one of your first two posts as there were two which were exactly the same...please keep to this one thread for this Welcome issue.

 

First ignore and DCA and deal only with Welcome.

 

Have you calculated how much PPI is due back to you bearing in mind that it will be dealt with under the FSCS.

 

Have you got all of the statements for this loan and if so have you established the amount of any unlawful charges on the account. These would include charges for being late with payment, returned direct debits, telephone calls etc. These can also be reclaimed.

 

How long ago did you put in the PPI claim?

 

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First of all sorry about double posting. And thanks for your reply.

 

PPI has been put 2 weeks ago and it's under consideration I've receive a letter from Welcome Finance confirming the application received.

 

I do not have all the statements from Welcome finance eventhough I've asked them several time.

How can I get this?

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