Jump to content


welcome finance


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 5808 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

I have an upcoming court case regarding the MIS selling of ppi against wf and have been told by the court I need to submit all the evidence I want to use to the court an to wf. All I have is 3 agreements from the loans, 2 had no ppi on but when I took the 3rd loan with them I was told unless I took ppi I would be refused an increase in the loan although my circumstances hadn't changed from when I took the first loan. In my poc I put about the misrepresantation act and I believed the customer service person didnt have my best interests at heart etc. What else can I submit as evidence to show that the policy was MIS sold to me that will help my case. I'm also diabetic which has never been disclosed to wf as I was never asked when I took out the loan and I didnt put in my poc. Any help would gratefully be recieved as the date is getting closer and I'm panickng about it now!

Link to post
Share on other sites

hi wills7

you need to put the misrepresentation act in your court bundle as a start.

list all the letters with a complete record of all the delivery dates, ie recorded slips and the replies. that is part of it.

produce a witness statement, which is basically a background of the main points and there is a template in the bank bundle which you can adapt.

 

if you go to the stickies at the start there will be more information to get.

you have to do 3 copies of everything , 1 for court, 1 for wf and the originals for you.

Link to post
Share on other sites

I have an upcoming court case regarding the MIS selling of ppi against wf and have been told by the court I need to submit all the evidence I want to use to the court an to wf. All I have is 3 agreements from the loans, 2 had no ppi on but when I took the 3rd loan with them I was told unless I took ppi I would be refused an increase in the loan although my circumstances hadn't changed from when I took the first loan. In my poc I put about the misrepresantation act and I believed the customer service person didnt have my best interests at heart etc. What else can I submit as evidence to show that the policy was MIS sold to me that will help my case. I'm also diabetic which has never been disclosed to wf as I was never asked when I took out the loan and I didnt put in my poc. Any help would gratefully be recieved as the date is getting closer and I'm panickng about it now!

 

Hello Wills,

The court cases are daunting but you will be fine, do as oggy suggests and maybe get a letter from your doctor regarding your diabetes:D

If any of my posts are helpful, please feel free to click my scales. All information is given as my opinion only, based on my own personal experiences. I have no legal training, but have educated myself in aspects of consumer legislation. My motto "NEVER GIVE IN, NEVER SURRENDER", THERE IS A WAR ON YOU KNOW

Link to post
Share on other sites

I've been looking for a template for a witness statement but am unable to find one. I roughly know what needs to go in in such as dates etc but am unsure how to lay it out an what else to put in it. I don't want to make mess of this after coming so far so would appreciate any help or a copy of a witness statement I could amend with my own details. Thank you.

Link to post
Share on other sites

a few of us, me included have taken welcome to court and won.

througout my battle a chap called mr orill delt with the court action.

i know he has now lost a few cases thanks to cag.

i went straight to the chief executive of cattles plc because of the way the case was being handled.

be interested to know any welcome fighters are now dealing with a mr orill or has he parted company

 

advice i can give is that welcome can be beaten, just show there failings to the court. i know in my case judge was not ammused in there lack of correct procedure

Link to post
Share on other sites

thanks for that I hopfull I can beat them I'm just concerned on what to put in and how to word my witness statement so any help on that would be much appreciated

Link to post
Share on other sites

how soon is your court date

like you to begin with i was into areas i did not understand

i had to put an ammendment into my poc as i was discovering new things every day from advice on this forum.

the ammendment cost me £75

i know more expense but it is well worth it.

its obviouse your were conned into ppi

even at this late stage try to find out who sold you the ppi

then dig deeper and try to find out if they are qualified to give that financial advice.

most welcome staff are commission based, only after a bonus.

traind monkey can do that.

things to ask your self, were you asked if you suffer from any medical condition that may affect pay out

i know this may sound strange but, have you checked that you do have the insurance, welcome are only brokers. i say that from my own experience ( hint )

do you have your sar

details will be in that

were you told the ppi would be front loaded

get the idea

 

i know its late in the day and you might be able to adjorn if needed but you have one shot at this to get it right

Link to post
Share on other sites

Have a look at my thread below to see how not to do it

 

Mcfad vs Welcome ---- Lost in court i'm afraid

 

definately check out what others have said and see try to get proof that you do not actually have the policy.

 

my policy should've been taken out in 2004 but on this line of evidence welcome provided the judge in my case with a policy document which

 

a, had a reference to a document that only became law in 2006

b, had my address stated as the address in which i moved to in 2007

c, had an address for welcome which they moved to in 2005

 

but the judge still didn't take it as a made up one and beleived them over me.

 

 

it all comes down to how you are on the day.

 

best tip i could give would be to have your case 100% straight and stick to it. have all your documents neatly referenced and know where to point the judge to on every point you raise. think about some of the questions they may ask of you and know your counter arguements

Link to post
Share on other sites

yes, unfortunatley my joy as short lived as the judge ordered the judgement to be set aside even though wf had failed to lodge a defence in time.

 

Sorry to hear that wills, wonder what would have happen if the shoe was on the other foot. I despair at the legal system, mmmm justice for all, yeah right:mad:

 

Anyway carry on regardless, dont let them grind you down:-D

If any of my posts are helpful, please feel free to click my scales. All information is given as my opinion only, based on my own personal experiences. I have no legal training, but have educated myself in aspects of consumer legislation. My motto "NEVER GIVE IN, NEVER SURRENDER", THERE IS A WAR ON YOU KNOW

Link to post
Share on other sites

  • 2 weeks later...

Does anyone know how i should work my pre existing medical condition and about my excellent redundancy package and sickness pay from my employer in to my witness statement. I have a copy of my contract and benefits and i doctors note to add to my court bundle now but not sure on the wording...

Link to post
Share on other sites

  • 2 weeks later...

Right then, court bundle is completed just waiting on the doctors report to confirm i DID have a pre existing medical condition when theY forced PPI on me when i took out the loan. I think i stand a prretty good chance now on the coule of counts i've got in favour of the misselling of the PPI..

 

Wish me luck!!!

Link to post
Share on other sites

Hi

I was just going through the threads when I spotted yours. I can't give you any advice but it may be of interest to you that Welcome belongs to Cattles.

Which in turn also owns Shopacheck and Lewis Debt ( debt collectors/ bailiffs ).

Shopacheck is a doorstep loan company.

Link to post
Share on other sites

Hello wills and all,

 

sorry to invade your thread but this should help last post.

 

FSA Register

 

just type in the firm name and search it is truly amazing what you can find out about companies.

 

aa

I have no legal training and the advice I offer is a matter of support. Before you commit to any Legal action you are advised to contact a qualified legal practitioner.

------------------------------------------------

Bank charge successes:

Halifax - Full settlement incl interest.

HSBC - Settlement, goodwill no admission of liability about 75% of claim.

RBS - Settlement, goodwill no admission of liability about 70% of claim.

2 ongoing claims for bank charges with HSBC with more to come. (Supreme Court ruling could have upset these claims) They did :mad:

PPI Successes

PPI 4 settlements on 9 loans. FOS involvement on 7 added on the 8 % Statutory interest another 30% to both.

2 claims settled in full with LV without FOS involvement.

2 claims settled in full with HSBC without FOS involvement

 

PPI Claims ongoing with:

Cap one Now with the FOS

Barclays. Paid up today 24/04/10 cheque received for over £4,500 and in the bank.

LTSB still have to decide on this as their SAR production was abysmal. Papers data mixed up documents missing etc

 

1 Complaint not upheld by FOS they said it was ICO issue. Complaint upheld by ICO. See this..

Post 290 from

***RBS PPI Claim Long fight but, WON***

 

Please do not PM me for advice as it may be sometime before I can respond.

 

Keep at them. Do not give way and do not accept all they tell you, they will delay and stall for as long as they can to prevent repaying you your mis-sold PPI.

 

Link to post
Share on other sites

Hi all,

Sorry toehar I am not the only havingbeen missold a PPI with Welcome Finance. I took out £7000 car loan and accepted PI also at time as I was informed I could claim immediately and no waaiting periods etc. I said If I lose job next month will insurance pay and they said yes. They knew I was in new job and as it happened I lost job 8 months later and of course the insurance didnt work as I should ahve been with emoployer for at least 12 months before insurance would pay out. Big mis sell.

Also.......having lost me contract and other important papers in a divorce etc I asked Welcoem to send me contract and after having asked them 4 times over phone and twice in writing nothing has been received. They used to be very threatening to me etc and when I mentioned agreement they are sooo nice. When insurance didnt pay out I didnt pay for car for 8 months and it was not repossessed. I started paying again and now it suddenly dawned on me they have probably lost the contract. If they ahd contract they would had repossed the car a long time ago. So basically I am currently paying £270 for a car which is pretty much worthless...needs a lot of repair. If they don't have contract they can't claim they own car and I owe them money, can they?

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...