Agree with possible position if it was a hire agreement - but it 'appears to be a hire purchase' - Santander may think they know their grounds - but we have been down this road recentley with another cagger - where the company thought they knew thier grounds - but where in fact seriously wanting. Due to the nature of this case i would take legal advice - and quickly - as the vehicle could be sold before resolution.

So no change in tactics then - pity you never recorded the call - make sure you update the OFT - and mention the fact that a Social Worker was present and overheard the conversation.

If a dealer sold you the car - and you purchased the car in good faith - then the car is yours. The claimant must make a claim against the person who owes them the money and not you. You are an innocent party to this. (The same may not be said for the dealer - though we have no evidence for this).

No this is not true - I was advised to send a CCA request after a claim was launched - and failure to comply with it is part of the defence - this advice came from a specialist CCA solicitor - and has been confirmed by council acting on our behalf. If they have failed to comply they cannot enforce the debt - though they do still have time to do so. Ask them to quote their authority for their stance.

Have a read of this thread it may help. He should also make a complaint to to trading standards and the OFT. http://www.consumeractiongroup.co.uk/forum/showthread.php?329429-Mobile-Money-%28the-Police-claim-it-s-a-Civil-matter%29-!!!

HFO still have the same problems - their last assignment being illegal, (no ccl licence for the assignee).

did your neighbour not make you aware when he court papers were sent?

dont try and search your neighbours - it is not relevant to you - and may inadvertantly link that address to you.

Oher judgements are not relevant to this particular case as Welcome are the OC - but not the claimant. However, if you feel you have some important information -rather than being cryptic - please share - it may help others. (did Welcome actually win a case?)

For what?

? the OFT is going nowhere - but some parts of it are being scaled back.

They are part of the same group of companies -and are run by the same people - same nappy different poo.

Yep he probably does

A committee of MP's have come to the conclusion that loan companies are poorly regulated - Been much quicker if they had just read these forums. http://www.bbc.co.uk/news/business-17272816 Interesting that they suggest a 'fast track' system to remove credit licences. Be helpful if they also looked at the activities of the debt collection industry too.

Thanks - i have a copy of that. Dont forget to send the account in dispute letter will you And dont let Welcome feed you any BS - such as you can't put your account in dispute as they are not members of the banking code - or any other such nonsense - and if they do - report them to the OFT straight away - as that would be a clear breach of not only OFT guidlines - but also CPUTR 2008. If they contact you again - after you have sent the account in dispute letter - and still attempt collection action - note very carefully the wordig they use in that action - as it could also be a breach of guidlines and an offence under CPUTR 2008 - depending on what they say to you.

Well it wouldn't be welcome finance if it was any other way. Mr Palmer doesn't know it yet - but he could soon be facing a summons

Do you mean making things up and providing 'evidence' that don't fit the facts?

Probably not that far from Bolton either.

Then send them this letter. http://www.consumeractiongroup.co.uk/forum/content.php?436-Failure-to-provide-a-copy-of-the-agreement-within-the-prescribed-timescale.

Morning Bart

Did you make a formal CCA request?

Advantage are talking nonsense - the fact you did not pay the broker is irrelevant - you sourced the broker to act for you. you will go round in circles - they will not settle unless you go legal.

Will do. Also, looking at some of your posts, you say you have requested a copy of the agreement, and 3 times they have only sent you one page, is this still the case? And if so did you make a formal CCA request? What year was the agreement made?

There are issues with some evidence they have provided to Courts. Amongst other things.

Well then the agreement is legally in dispute and they cannot enforce the agreement in Court. The fact that they have still not sent you this indicates that they are in some difficulty here.