Jump to content


  • Tweets

  • Posts

    • and it will be also now written off under age related criteria anyway.
    • @dx100ukThanks for this! I'm still not clear if I'm facing more than 6 points on my license though. Can you explain any further please? When I accept the 2nd speeding ticket, will they just charge me £100 and 3 points, or will they be more severe consequences since that offense took place the following day of the 1st offense? Similarly, when I accept the 3rd offense, will they look at my record or just charge me with the £100 fine and 3 points? @Man in the middleI've been searching the forum and you seem very knowledgeable. Would you mind giving a look at my query please? Thanks in advance!!
    • Yes of course. That's why it says cc:: BIg Motoring World at the bottom. Don't imagine that this solves the issue. It doesn't. He not have to force the finance company and big motoring world to accept the rejection to give your money back. I suggest that you get the letter off tomorrow. And let us know what you hear but on Friday you should then send a threat to the finance company.   Have a look what I have said here about your options and read the whole thread as well.  
    • Been perusing the actual figures on the polls above wondering where the '16% claimed for deform comes from? I understand that there are 'weighted' end results based on secret calculations ...   Probably going to repeat this later, but remember that the ukip/brexit/reform/deform party has ALWAYS had poll speculation FAR better than their actual  performance at elections - by large margins. SO: The labor and Tory votes come largely from simply the people who say they will vote for them - sorted Lab 43% Tory 20%, with maybe another small 1-2% coming from the weightings of the 'not sures' Greens largely get what is declared from 'other' , although with another declared green bit from the 'pressed' question   So as the share of the voting displayed in 'other' granted to reform/deform is around 11%, where does the '16% too often being reported come from? Seems that reform has been granted as beneficiary of effectively ALL the don't knows and wont says, who when pressed didn't actually declare for someone else ... effectively adding 40%+ to their reported polling % - rather strange given their consistent under-performance compared to polling - or perhaps that is the cause of the higher rating eh?   Now I admit the possibility (probability?) of wingers being ashamed of declaring their support for the yuckey lemon end of the spectrum ... but surely  that should affect the 'Torys as well? Maybe the statisticians have simply weighted in that deform wingers are simply more likely to lie?   But - without 'weightings' and assumptions that faragits will get everything that isnt declared as a definite and unequivocal 'not that Piers Morgan' - reform is on around 11% it seems.   Add to that the history of polling a lot less than the hype - and the simple fact that faragit wingers seem to be spread across the country (presumably skulking in their moms spare room despite being 45+) and greens and lib dems seem to be community minded - I think two seats will be an epic result for farage. Hardly the opposition - far more raving wingnut party.   and importantly - Has farage got a home in clacton yet?
    • "as I have no tools available to merge documents, unless you can suggest any free ones that will perform offline merges without watermarking" (which you don't) ... but ok please upload the documents and we'll go from there
  • Our picks

    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 161 replies
    • 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.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      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
        • Like

New WELCOME Mug!


ozric
style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 5994 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

Hi all,

Another newby eh.!

Can anyone give me a bit of advice.?

I have 2 loans with Welcome Finance, one for car finance, and one for personal loan.

 

Owing to a mountain of bank charges in june 07 the car finance DD was not made.For this i obviously acquired more charges to my Welcome car finance.

(The personal loan DD is DD'd 2 days earlier and paid with no problems)

 

Since june i have missed 5 payments.

 

In order to clarify my outstanding debt i requested a SAR,..

As

1) I had been visited twice in the evening by their 'Boys' and was told by them that a ten pound payment to them in person would be payable for the home visit.?! and i wanted to see if this had been deducted from my account.

2) I am telephoned 2,3,4,8 times a day some days by Welcome on what i have told them is my work phone number and as such cannot take personal calls during work hours,potentially loosing my job,so i do not take their calls, and i wanted to see if Welcome were charging me for unanswered telephone calls.

3) I wanted to see if i had been sold a PPI without knowing on both loans.

 

I used a template for the Data Protection Act 1998, S.A.R request form from this forum and sent a cheque for ten pounds to cover the cost and sent it recorded delivery.

HEY presto the telephone calls stopped.!...thank god.Bloody vultures.

 

2 days later i received an office printout (on headed paper,! so i couldn't make out the first 5 sets of figures on the second page, morons!) of the payments, balance etc for the 2 loans.

No accompanying letter, no mention of when they were going to send me ALL the information they hold about me, no no thing.!

 

A quick look through the payments , and , oh,...no payment of ten pounds for the home visits,..glad i kept the receipt.!

And as for all the calls they keep making and i turn my phone off, they've been charging me ten pounds a go for that too,..90 pounds in December, 70 pounds in November, 50 pounds in October.

Strangely August doesn't appear anywhere in one loan printout and on another, despite DD's being made on the first of the month i have incurred a 'fee' of 100 pounds on the second of the month...Bizzare!

And,...to top it all they have taken the cheque for 10 pounds for the SAR and deducted it from my balance of one of my loans...BIZZARE -BIZZARE.

 

 

 

Rather than asking them to explain their actions re the above, i have decided to go straight for a CCA request just to see if i get a response.

I understand they have 40 days to respond to a SAR and 14 days for a CCA.

Is this correct?

Also,and these may seem silly questions,..but..

 

..if a loan is granted ONLY on the condition of including a PPI, as mine were, and this is deemed mis-selling, does that not mean the loan was mis-sold,..is the loan legal.?..am i obliged to repay it?

Does collecting money at my home and not deducting it from my balance, indeed ,not passing it through their accounting system at all by the looks of it,constitute a fraud, or deception, or something.?

Is it legal for them to charge me for calls i did not receive due to my phone being turned off?

Is it acceptable for them to ring me, as i said, 2,3 sometimes 8 times in a day when i have told them i cannot take personal calls?

 

Any help gratefully received.!.....

 

oz

Link to post
Share on other sites

Hi Oz, and welcome to CAG.

 

I would have thought that the agreement(s) would have come with the S.A.R - (Subject Access Request) information - they have with the ones I have had.

 

Do you still have the car that the loan is subject to? Is it HP or are both loans personal loans?

 

I think you have many issues that a judge would frown upon - charging for phone calls is beyond belief. And you should be able to reclaim the PPI - the criteria for mis-selling covers most people's situations. The deadline for a CCA request is 12 working days followed by a further 30 calendar days (I think it's that way round) after which they are in default. If they manage to find the agreement after that they can continue enforcement - otherwise not. I would suspect if they haven't reached you already there is a strong possibility they do not exist - I do hope so.

 

I suggest you wait for the outcome of the CCA requests before you take further action. After all if the agreements are unenforceable, or even non-existent, then you are in a very strong position.

BANK CHARGES

Nat West Bus Acct £1750 reclaim - WON

 

LTSB Bus Acct £1650 charges w/o against o/s balance - WON

 

Halifax Pers Acct £1650 charges taken from benefits - WON

 

Others

 

GE Money sec loan - £1900 in charges - settlement agreed

GE Money sec loan - ERC of £2.5K valid for 15 years - on standby

FirstPlus - missold PPI of £20K for friends - WON

Link to post
Share on other sites

Thanks for the reply,..

I must admit, i was expecting a package not an envelope, with everything they hold about me,..telephone calls included,..but,..not the case.

 

Yes, the car is on finance..this i am in default by a few months payments.

My other loan is a personal loan and is up to date with payments.

 

My intention was to wait the 40 days, and if they do not send me the information, to stop all payments stating that -no contract, no debt.

But,...as they haven't sent me a copy of the contract i thought i'd go for the CCA option which is , as you say, 12 days.

Assuming they are unable to produce a contract/agreement within 12 days, i intend to stop ALL payments to them.

I then intend to wait the 40 days for the SAR to expire and then see about reclaiming ALL moneys paid to them.

I too have buried my head in the sand for far too long, at one point last summer just avoiding a nervous breakdown due to mounting debts.

Now i'm back to my old self....and BOY am i pi'''d off.

Link to post
Share on other sites

The reason I asked about the car was if it is on HP there are different conditions whereby if you have paid more than 50% (I think) they can't take the car back.

 

The SAR I sent for my friend recently produced a package - tapes and all sorts - and someone else's data too:eek:

BANK CHARGES

Nat West Bus Acct £1750 reclaim - WON

 

LTSB Bus Acct £1650 charges w/o against o/s balance - WON

 

Halifax Pers Acct £1650 charges taken from benefits - WON

 

Others

 

GE Money sec loan - £1900 in charges - settlement agreed

GE Money sec loan - ERC of £2.5K valid for 15 years - on standby

FirstPlus - missold PPI of £20K for friends - WON

Link to post
Share on other sites

Ah sorry, misunderstood,..

I'm not quite sure what the score is with HP,..it looks, and i realy dont know if it is, but it looks like they have paid the vendor and now i owe Welcome...how stupid do i sound...i know sod all.lol.I think it was a car loan as opposed to a hp agreement..does that make sense?

I have not paid off 50% though...

Link to post
Share on other sites

I suppose you will have to wait until they send you a copy of the agreement. I don't know enough about Welcome Finance as to whether they do HP or not. I have had a quick look at their website and they call it 'welcome car finance'.

 

My concern is that if you have not paid the car loan for a while they can repossess your car. Hopefully someone else who knows more than me will come along. I think there is a thread on here specifically dedicated to Welcome - might be worth getting your post moved there if no-one else happens along.

BANK CHARGES

Nat West Bus Acct £1750 reclaim - WON

 

LTSB Bus Acct £1650 charges w/o against o/s balance - WON

 

Halifax Pers Acct £1650 charges taken from benefits - WON

 

Others

 

GE Money sec loan - £1900 in charges - settlement agreed

GE Money sec loan - ERC of £2.5K valid for 15 years - on standby

FirstPlus - missold PPI of £20K for friends - WON

Link to post
Share on other sites

Thanks,

I dont know how to move posts.!

I have a company car now, so loosing a car i dont use is no great loss, but the lack of documents in their reply to my SAR got me thinking...I do hear what you are saying though, about reposession, it would take the hubble telescope to find it mind you as when i sent the SAR i 'parked it out of the way' ,..just in case!

Link to post
Share on other sites

We would need to get a moderator to sort the moving of the post.

 

I have done that with a car before:D In fact I drove one away while OH kept bailiffs chatting once and when they went to take a note of the registration it had mysteriously disappeared!!!!!!!!

BANK CHARGES

Nat West Bus Acct £1750 reclaim - WON

 

LTSB Bus Acct £1650 charges w/o against o/s balance - WON

 

Halifax Pers Acct £1650 charges taken from benefits - WON

 

Others

 

GE Money sec loan - £1900 in charges - settlement agreed

GE Money sec loan - ERC of £2.5K valid for 15 years - on standby

FirstPlus - missold PPI of £20K for friends - WON

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...