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Parcel delivery insurance is prohibited under section 57 – Consumer Rights Act – Read about It Here and in The Times.

workingknines

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Everything posted by workingknines

  1. workingknines
    Thanks Andy' I wasn't aware of that. So the court will send me the general order stating how much to pay pcm or one lump sum? Then I use N245 to say can I pay x amount pcm. Cheers WK
  2. workingknines
    Many thanks for reply Dx No mention on payments guess I will have to contact IND LTD an make some kind of monthly offer? Waiting on response from Direct group ref other insurance;s added to account,then I will be able to forward these to FSCS. Never dealt with IND ref payments are they flexible or quite stern. Cheers WK
  3. workingknines
    Good morning. Well was in court yesterday with WFSL. Judgement went in favour of the claimant. The claimant set out there reasons for bringing the claim against me. I was then allowed to speak I pointed out to the judge the paperwork in regards to the charge for Mech Breakdown insurance paperwork which, clearly states NOT APPLICABLE he acknowledged that and asked WFSL to explain his eplanation was flimsy at best typing error /mistake etc etc. Judge then looked at statement of price he commented that I had signed the agreement that clearly states I will pay x amount on x day this figure included the monthly charge for mech breakdown, so he would not allow it despite evidence to the contray. However S69 cc interest was deducted on price of ppi even though the judge was a bit baffled as to why this had been refunded by the FSCS an not the claimant. Judge also not happy with WFSL adding the 8% court interest before judgement being given as commented on earlier in post by DX therefore he set this at the bank of England base rate of 0.05% from the default date on account till yesterday. So there we go. Not entirely sure what happens next ref payments etc Many thanks WK
  4. workingknines
    Thanks Dx. Mech breakdown in total worth £628.00. Could you poss help with post 63 as well please regarding court interest. Cheers WK
  5. workingknines
    Morning. Help/assistance ref my last post please. Many thanks WK
  6. workingknines
    Quick update not sure if I have mentioned this although I have looked through thread. When I received my SAR from welcome finance after checking countless times I came across some paper work they had enclosed. This relates to Mechanical Breakdown Recovery underneath this it states in bold type Not applicable however I have been charged £503.00 incl of interest. I have included this in my witness statement to the court and a copy to IND. Is this likely to render the agreement unenforceable?. Getting rather anxious as date is looming. Many thanks WK
  7. workingknines
    Update on post. Evening. Welcome finance via the FSCS have settled my claim for mii-sold ppi it has been deducted from the balance they are claiming at court and have notified them. However what they have not done is recalculated interest under section 69 of the county court act. Surely they are obliged to to do this as they have admitted miss-selling. Also the FSCS have sent me more paper work in order to claim all other rubbish stuck on account at conception after I sent letter of complaint to welcome head office
  8. workingknines
    Morning Update on thread. After sending letter of complaint to welcome finance ref additional insurance policies added to a car loan. Received letter back from welcome stating welcome in default etc etc negotions on going with FSCS to allow customers to claim back these premiums in the near future. Also received a witness statement from IND ltd from an external account manager with documents/evidence they intend to rely on in court. something I have noticed on this gap insurance is listed on credit agreement however on the breakdown of charges for insurances it is listed as shortfall extra ?? I have received no such direction from the local court regarding a witness statement as was clearly advised to wait for court direction. Many Thanks WK
  9. workingknines
    Hi Dx. Is there some kind of spread sheet on site that I can use for working out interest on gap insurance etc,as I'm not much good at the maths thing. Thanks in advance. Wk
  10. workingknines
    It would indeed. Also pretty sure they would have to refund the interest added as per the county court act allows in my case i think its £800+. Will get on it this afternoon Thanks DX WK
  11. workingknines
    Excellent. How long do they have/do i give them before they need to reply. Secondly as this is subject to court action does it make any difference to my complaint. Many thanks WK
  12. workingknines
    Good morning. Update so far. Have a court date of 24th March,i have also asked for the free mediation service which has not happened as of yet. Welcome finance via the FSCS have awarded me my ppi claim against welcome this will come of the balance they are claiming at court. Regarding the Gap insurance shortfall collision call emergency recovery and mechanicial breakdown insurance that was front loaded who do I complain to welcome finance or welcome via the FSCS. Reason why I ask is I have spoken to the FSCS and they are saying two different things I am on a list an when the system goes live ??? they will send me the claim form which I have been told is different to the ppi form. Other story is should have received it by now. Any advice much appreciated WK
  13. workingknines
    Good afternoon. Received letter from Northampton bulk centre stating case has been transferred to my local court. Prior to this they sent an allocation questionnaire to myself stating it must be returned no later than the 6th of December,which is was Iit stated that a copy must be sent to all parties concerned.which it was. Howver unsure if welcome have to send me one if so I have not received it,can anybody shed any light on this please. Thanks WK
  14. workingknines
    Hi Took out a car loan with British credit trust in 2007,this was arranged by Net cars ltd(formerly net vehicles solutions ltd. The vehicle loan is now paid in full since 2011. At beginning of 2013 I instructed a ppi claim company to deal with(Don't do it) I called them several days ago and got a letter in post saying they are unable to continue my claim as the FSCS have stated that Net cars ltd were no regulated at the point of sale. Any ideas where I go from here,will I still be able to make any time of claim. Thanks in advance. WK
  15. workingknines
    Welcome finance have removed my default as well. I did read somewhere that due to complaints ref false reporting they took decision to have all defaults from cra removed. WK
  16. workingknines
    Michael hi' Interested to see how this goes, as I am about 5 weeks behind you at this stage regarding IND and welcome finance Just received there letter saying they had written to court ref going to trial. Best of luck WK
  17. workingknines
    Have not requested any info from IND. Claim form only states welcome as claimant and hegarty as solicitor,s Remaining balance on this account is purely insurance charges ppi gap emergency recovery etc etc. I think it is totally disgusting these people can take you to court for money outstanding that was as far as I am concerned added to the account fraudulently therefore illegally Cheers WK
  18. workingknines
    Good morning' Well update time received a letter yesterday from IND LTD,stating the claimant does not accept my defence/part admission Therefore they would like the case transferred to my local county court in order to proceed to TRIAL. Any thoughts ideas or advice as to what happens next would be most helpful. If IND are a DCA why are they writing to me and passing on letters from welcome finance who are the claimant as stated on original papers received from court
  19. workingknines
    Thanks for prompt reply. Purely states a date then says letter then a £10.00 charge. Anyhow as things stand now I had to put in my defense by 16.00 today. So have gone with section 77a of the cca as I can honestly say no such statements ever received other wise I would have noticed all the insurance that was piled on to account. So will have to wait an see. regards WK
  20. workingknines
    Hi Just looking through my Sar that I have received from Welcome Finance. All letters they claim to have sent via there log are unsigned is this usuall or have they just pulled them from archives. secondly only have 1 £10.00 charge for a letter. Wk
  21. workingknines
    Yep that's whats exactly what they have done. The 8 % stat interest has been added to the current balance on credit file not default balance as stated in post 38
  22. workingknines
    Sorry just a very quick observation have just checked my credit file and welcome finance have added the interest to the default balance. There has been no judgement on this yet are they allowed to do that. So balance on credit file is now same as amount they are claiming at court.
  23. workingknines
    Acknowledgement of service sent electronicially on the 30th Sept. Need to submit defense by the 14th. Cheers .
  24. workingknines
    Many thanks dx
  25. workingknines
    It appears to it went to IND first then forwarded to myself as it is on there headed paper and not welcomes PO Box 1293 Header page Saying we write in connection with case no xxxx On the first page of the Hire Purchase Statement address is IND Phase 4 litigation and the welcome finance address in Ruddington.

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