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    • We need to see the actual document from the IAS where it is written - "The Operator's evidence shows no payment for the Appellant's vehicle, or anything similar. It does show two payments for the same registration in quick succession. I would take a reasonable guess, based on the circumstances described, that the person paying has paid for the registration of the person they assisted again." You can't just type it up yourself. At the hearing in July or August or whenever the judge will have two Witness Statements. One from Bank's director says you never made a second appeal. You say you did make a second appeal and the IAS concluded that payment was made. The judge will immediately twig that either you or the director is lying.  But who? Fail to show the documentation form the IAS and instead just produce something you've typed yourself will make it look like you just made up the appeal and you are lying and you will lose the case. Please let us see what the IAS adjudicator sent.
    • I used to have a retail outlet in London selling my husband's photography.  We also had a co-op with staff so they weren't directly employed by me, but I paid for the other overheads etc.  When my husband died, I carried on as usual for a while but then I became ill and moved quite far away so logistically was becoming very difficult.  I came to an arrangement (verbal) with one of the guys I trusted, that I would send him the images to print and sell as normal, and I wouldn't take any money, as a short term solution until I got back on my feet and worked out the best way to do things. He would pay all the  rent, insurance etc... Over a year later, not able to give things away for free anymore,  I drew up a contract as a wholesale agreement, so I would get everything printed and sent to him and I would invoice his for what he ordered. I noticed form the beginning that he wasn't ordering enough or frequently enough to be making any money, and was suspicious he was doing his own orders on the sly and ordering just enough from me to keep my happy.  I checked with my printer, which I've been with for 20 years, and he sad he wasn't getting orders for my images from anyone else. I emailed a few other printers to ask them to keep a look out for some images but I soon realised this would be impossible to police.  The only option really would be to buy a print from him and check the stamp on the back of it.  I finally managed to get hold of on the prints on sale, and sure enough, he did not order it through me.   In the contract he signed in 2022 it explicitly states that he must destroy all files I had previously sent him etc etc so e is in breach of that.  When I drew up the contract, I was careful to make sure it was legally binding, but before I let rip at him, I need to know where I stand.  The contract is here: PARTIES This WHOLESALE AGREEMENT (“Agreement”) is made effective as of 30th June, 2022, by and between ############################## The Supplier and the Client, collectively referred to as the "Parties," hereby agree to the following terms: TERMS AND CONDITIONS SALES OF GOODS The Supplier agrees to provide the following goods to the Client (“Goods”): Description of Goods ################################# Doc ID: 3d54c1d336d8780243801e0e068ebd33114b088b BOTH PARTIES AGREE: The Client purchases the Goods through the Supplier directly, and agrees to delete/destroy any previously held digital images (Goods) owned by the Supplier, and agrees not to use any such files for monetary gain, outside of this agreement, either directly or through a third party from immediate effect of this agreement. The Client purchases the other materials necessary for resale of the Goods independently of this agreement. The Client shall have exclusive rights for resale of Goods at ###########, and also with permission, as a retailer of the Goods elsewhere, provided that there is no conflict of interest between the Supplier and the Client. The Client is free to decide their own retail prices, for the Goods. The Supplier shall use #####  to provide the printed Goods on Fujifilm Crystal Archive paper, with Lustre finish, and will not use any other Printer unless #### cease to trade, without prior approval from the Client. The Supplier shall not impose restrictions on size or frequency of orders made by the Client. The prices provided by the Supplier shall not increase for a minimum of 3 years, unless the prices of the raw materials rise, in which case the client will be informed immediately. Any discounts/promotional prices of raw materials shall be passed on to the Client by the Supplier, and the invoice will show adjustments for this, as well as credit for return postage of any damaged goods. This agreement can be terminated by the Client without notice; the Supplier must give notice of no less than 90 days, unless the terms of the agreement are breached, in which case, the agreement can be terminated with immediate effect. PAYMENT Orders must be paid for upon receipt of invoice, via Bank transfer: ######### Doc ID: 3d54c1d336d8780243801e0e068ebd33114b088b DELIVERY AND INSPECTIONS All orders received by 12.00am (midnight) shall be processed by the Supplier the following working day and delivery of order shall arrive in accordance with the Royal Mail schedule, or DPD, should express delivery be requested. The Client shall be liable for the delivery charge which shall be added to the invoice. The Goods will be delivered to the address specified by the Client. The Client shall be provided with order tracking, and should any problems arise with the ordering system or the couriers (Royal Mail, DPD), the Client shall be informed without delay of any such issues. The Client will inspect the Goods and report any defects or damage to the Goods in transit as soon as possible upon receipt of Goods, and will retain damaged Goods for return to Supplier for refund/replacement. GENERAL PROVISIONS CONFIDENTIALITY The prices of the Goods and other information contained in this Agreement is confidential and will not be disclosed by either party unless with prior written consent of the other party. INDEMNIFICATION The Client indemnifies the Supplier from any claims, liabilities, and expenses made by any third party vendors or customers of the Client. GOVERNING LAW This Agreement will be governed by and construed in accordance with UK Law. ACCEPTANCE Both parties understand and accept the wholesale arrangement stipulated under this Agreement. Doc ID: 3d54c1d336d8780243801e0e068ebd33114b088b IN WITNESS WHEREOF, each of the Parties has executed this Wholesale Agreement as of the day and year set forth above.   Signed by us both electronically.   I haven't broached any of this yet, and I am looking for some advice about what action to take.  The main issue I've got is that he has still go those images.  If I terminate the contract, I will need to know that he no longer has those images and I can't think of a bulletproof way to do this. I'm thinking I might tell him I will continue with the contract but ask for a  sum in damages and say that if I find out he's still doing it down the line I will terminate the contract and sue him for damages. The damages side of things I'm not sure how it would work as he is self employed, and I'm positive he doesn't declare all of his earnings to HMRC, in order to find out how much I have lost, would the court demand to go through his tax self assessments?  I'm not sure how to proceed with this, I don't want to lose that place as an outlet as it is in a prime spot in London, which is why I let him have those images in the first place as I would have had to pull out altogether at that point.  I am regretting it somewhat now though.  Please help.
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Welcome Car Finance - New Agreement - quite long


Mummy_of_Five
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Hi Guys,

 

We have had numerous problems with Welcome Car Finance and have been told by people on here that our agreement is unforceable (welcome don't seem to think so). We were phoned on monday by an account manager about why we haven't been paying our account when we "agreed" to a payment plan in February, we didn't they took the money from my husbands bank card (visa electron) and left us overdrawn and unable to pay the insurance and tax for the car and refused to refund it back to my husbands account and basically told him to drive the car with out tax and insurance. She then discussed my husband issues and agreed to look into the account and send us the information. Today we received the info and according to her all of their calculations are right we owe them the full amount (still over 6 grand) and need to contact them a.s.a.p to make arrangements to pay. They have also offered us a 50% discount on the account if we "manage to accquire the money" and pay it in 21 days.

 

My question is :- Why would they offer us 50% discount on the account? If they were sure we were wrong wouldn't they just default us, repo the car and then take us to court for the money owed?

 

We have paid 1 or 2 payments in about 18 months as they are in default of the account from a previous lot of letters that they haven't responded to.

 

Any help or advice about how to go with this will be greatly received.

 

Mummy_of_five

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Hi Guys :)

Has anyone got any email addresses for Welcome? Especially a complaints email or a managing directors email.

We've had many problems with welcome for years now and i have just about had enough. We want to get them sorted. We need to buy a different car (new baby on the way) and we want to sell ours but can't til welcome are sorted.

Thanks in advance. :D

Lyndsey

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Hi

 

My husband and I, like lots of others on here are having LOTS of problems with Welcome Car Finance.

 

Long Story fairly short

 

April 2005 needed a bigger family car. Seen an Espace in a local garage. Went in and got the car on finance with Welcome through a "friend" of the garage owner. Thought everything was fine and dandy apart from the APR but needs must so we got the car. In May 2005 husband had a very serious brain operation and I had to leave work to look after him and our then 3 children (I was also pregnant with #4). Tried to use the PPI but was told we couldn't as we weren't eligible to use it as I was working for a temping agency, then was told we should of never got the finance because of this too. Needless to say we missed payment had charges added ect and couldn't afford the monthly payments. Had loads of problems and they then wanted us to sign another agreement for the balance left over another 60 months. Didn't sign because I had seen the type of tactics they use because of this site. Asked for the CCA then but never got it. Didn't pay for over a year as we couldn't afford the payments and no one contacted us about it. Now being rang everyday for payments - husband gave his card details to them as he was told could contact them to make the payment and if we couldn't pay they wouldn't take the money, ha ha ha they took the money. We contacted them to ask for the payment to be returned but they basically said there was no chance. Decieded to CCA them.

 

We received a copy of the loan statement with all our payments and charges and a printed copy of the agreement. Pictures by mummy_of_Five - Photobucket

 

Is this agreement enforceable as they have added the acceptance fee to the rest and I think it has then getting interest added on it? We paid them for 3 years and missed the fourth, as explained above, but we still owe them just over 6 grand.

 

All help and advice would be gratefully received as I think they are trying to take us for a ride with the amount we still owe.

 

Thanks

 

Mummy_of_five (Lyndsey)

 

Sorry I don`t know if I`m doing the right thing here, but it seems Mummy of Five caught the attention of post and Andie 303 ( anybody know how she is)? And then didn`t follow up on whether the advice had been taken. Or what any outcome of this advice was.

 

I think some one could help a little more here. Mummy seems happy enough to do things her self, but may be a little push in the right direction from the likes of your good self pwg or post et al, would be sensible idea, before she attempts further contact via email.

 

Sorry if poking it in, at the wrong time as they say.;)

 

Cheers, MARK

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no one ever really carried on helping me out like some people get help.

 

I am willing to try anything anyone suggests, but we really need to get it sorted a.s.a.p.

 

We still haven't paid them anything since this last message i posted on here, but the account has seemingley been sent to a DCA - but its the same company, as far as i am aware.

 

Any help is appricated.

 

Thanks Lyndsey

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hiya.

 

i probably wont be about much tomorrow, but will be about the next night, just name a time after 10ish and i'll be here to talk.

 

We haven't really done much. We CCA'd them (as above message) and have tried SARing them. No info was recieved by us and the postal order wasn't returned so i dont know what happend with it. I have tryed to complain to a guy called Pete Ball in central recoveries, after i recieved a letter from him about all our information on the credit reference agencies was correct (we didn't ask for it), but he told me that all the info was right and that basically he wasn't going to do anything bacause the account has been sent to the DCA, and that any problems with the PPI need to be sent to the complaints department.

 

We haven't paid them anything in about 18 months and the only things we have recieved is the letter from mr Ball and a letter from a DCA. We haven't even recieved a default letter yet, but i'mm guessing they have defaulted it.

 

any help or advice on what to do next would be really appricated

 

Thanks Lyndsey

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Are we still requiring email addresses for Welcome? I have for Compliance, Complaints & PPI Refund Team if it helps

 

Post them all up M8. I can`t see a problem with that.

 

It will give them something to keep them busy for a long time. I shudder at the thought of answering all those Emails. lol. They may even keep somebody on to do that. lol.:D

 

Cheers, MARK

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I wouldnt count on it Mark they cant answer queries by post with full staff let alone receiving emails as well :rolleyes:

I am a consumer just like you, please get a second opinion or investigate yourself on anything I advise as I am in no way legally trained. Everything I know has come from the Mighty CAG and fellow CAGGERS. :cool:

 

If I have helped in any way please click my reputation star and make a donation to CAG to enable us all to continue to help each other :cool:

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Welcome Finance are the most annoying company i have ever had to deal with, i have been in disspute with them for 2 and a half years in which the same time i have not made a single payment to them, lots of threats to take me to court but no real action, rang them didnt want to speak to me, so brill i now chase them and i meen buisness chasing. I got some legal advice...found the fair debt collection practices act and found out they have breached my contract of finance with 18 breaches of loan sharking and harrassment and physical abuse.....big no no, so im now taking them to a magistrates court to clear my credit file and debt and a sueing payment to me for the stress of chasing them, so began proceedings sent them letter...do not reply to me if you agree you have breached my contract of finance with these clear unlawful breaches by such a date to reply...guess what no reply sent them second letter telling them when court dates were, got a post dated letter from them for the first letter...great thing about this is royal mail stamp date on letter when letter processed letter post date dont match by far the date on stamp by royal mail, now got them in court for fraud aswel. the moral of the story is, thats how far and stupid welcome finance will go. there is an email address if you ring up and speak to the right people, personally send royal mail recorded letters nothing can be defrauded.

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Welcome to the forum Jay, sounds like you are doing really well with them and you dont need me to tell you to take it all the way.

Im interested in what you meant by physical abuse, anyways with your experience if you can help anyone with questions im sure it would be appreciated as thats how we work here advise from consumers to consumers.

 

If possible could you start your own thread were we can chat to you and see were your upto etc.

 

 

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