Copy of petition sent to local MP (Who seems more worried about local raves than anything important!) and Baroness Shepherd Of Northwold (Was Gillian Shepherd MP) who lives next to my mum and always seemed a fair politician.

Ahhh welcome (No pun intended) to (edit) world of Welcome Finance Dont feel alone, there are lots of us out there! Check out thread "Welcome Finance Any Dealings?" in General Debt Section and then PPI section, lots of Welcome in there! You will have a good starting point and then we can discuss some ideas!

I think everyone accepts that Dolly. I also think we need to get some "out there and doing it" legal advice. So off to get that tomorrow! Zooman has been very helpful to me in the past and all I want to do is see how many ways to skin a cat there are before I make a move. Need a devious legal mind to look at this, not my single litigant one!

Hi Am I too late? Any help I can provide let me know. Regards Grapes

Ummm time to return to quietly reading I think ..... Never was any good at this thread thing.

Sorry, just a quick question for Zooman. So you are saying everyone has a choice on mortgage? Well we didnt, we had a sub prime mortgage that was the ONLY one at the time we could get. We were paying well above base and had paid for the pleasure of getting the mortgage. If we could have picked another lender we would have done. we had to get out of the mortgage because we were being repossessed and they would not agree to spread the arrears, another bone of contention. I can assure you I never had a first bite of any cherry, let alone the 2nd! I thought the subject of indemnity clauses was covered by UCTA "The extent and scope of indemnity clauses are regulated by the Unfair Contract Terms Act. A consumer cannot be made to indemnify another party to the contract or a third party to the contract expect to the extent that term of the contract meets the requirements of the test of reasonableness" Does this come under fairness? Getting you to pay their defence in the small claims? Sorry Bona. Email sent regarding fast track by the way.

Email will be on the way shortly.

Well done you! I didnt think of Lord Faulkner but have just despatched letters to FSO,FSA,OFT,Local MP et al highlighting the use of contract terms to claim for costs when the clause seemed only intended for the lifetime of the contract thus creating a playing field in which they cant lose and the extortionate level of costs applied to single litigants etc when the cases are within the fast track. Maybe I am being naive but the scales of justice seem tipped! And its definate not in the small guys favour! Does it seem from Mr Meeks answer that the courts are making sure the solicitors get paid or am I reading it wrong? Or just cynical?

Hi Westy After a period of dead silence on both my NW cases, had a Notice Of Allocation Hearing for mine today (26th March) Slightly confused though, the claim is for £10,000plus, I asked for it to be considered for small claims (Didnt think it would hurt!). Does this mean they are going to consider small claims?

Ummm seems too quiet doesnt it I sent them a copy of my AQ, reply to their defence, defence of their counterclaim and a draft order. If nothing else will give them something to do! I loved the part which said we charged 6 months as everybody else does, ummm genuine pre-estimate, I think not .... Also pointed out we paid the brokers and their own fees and rate 1.5% above base, wheres the loss!

Thanks for PMs Got a copy of my AQ from Eversheds today, nothing on it at all. Other than happy for it to be Small Claims. Seems strange.

I think the chances of getting anything out of Welcome without resorting to legal action are slim. So I think that would be your only choice, been mine anyway!

I think you should write them a letter saying that the level of information is unacceptable and they need to provide you with EVERYTHING they have and if this is all they have they need to confirm it. And you need to go thru what they have got with a fine tooth comb as they are inclined to hide things!

Hi Seawall Mine is exactly the same as far as I can tell. So we have to defend the counterclaim, not sure if we have to wait for the AQ to do it or can do it now? I know its 14 days, I assume from the official date of defense? I am sure we will work it out!

Hi WFFs (Welcome Freedom Fighters ) Well N1 finally completed, took rather longer than I expected to fine tune and stretches to several pages. So off to local court tomorrow and a faxed copy to Mr S tonight. Feel relieved its finally at this point.