Jump to content


  • Tweets

  • Posts

  • Recommended Topics

  • 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

Claim PPI from Welcome Finance


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 5421 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 there postggj,

 

Netcars are the broker they are on the internet (Used Cars, Used Car Search, Buy & Sell Car, Car Loans, Car Insurance - Netcars.co.uk) they are called Netcars 2000, they find you the finance for the car you want.

 

As far as I am concerned Welcome arranged the loan as Netcars passed all of my details onto them. Welcome are the ones which called me and asked if I would be ok to afford the payments, Welcome are the ones I asked if they could reduce the payments in any way and they reduced the payment little by taking off mechanical breakdown insurance but they never offered to take off the PPI which is what makes me think they are liable not Netcars.

 

Is there a letter template for the letter before action? I have already done a S.A.R is this the same kind of thing?

 

Thank you for your help it really is appreciated.

Link to post
Share on other sites

  • 3 weeks later...

Hi There,

 

Welcome have now replied to the above letter and they advised me that all information they have on me was sent to me in the subject access request, they have said if the information I requestes is not in the subject access request they do not have it.

 

What should I be looking for in the subject access request?

 

What would you reccomend for my next step?

Link to post
Share on other sites

  • 2 weeks later...

Hello Waz,

 

Most certainly follow postggj and submit non compliance letter. :)It may be worth sending a complaint to the Information Commissioner Office (ICO) stating Welcome have not complied with your SAR which is a legal requirement under Law namely the Data Protection Act 1998.:)

 

The more complaints the better and it will let them know you will take appropriate action on their failure to abide by the Law of the land.

 

Please check out the links thread in the stickies for all the relevant information.

 

Good luck

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

  • 9 months later...

I took out a loan with welcome finance in 2002. I was told I had to take out PPI with the loan as insurance or they couldn't give me a loan.

 

I few years later I took out another loan with Welcome FS and which paid of the first loan in full (i'm pretty sure but have no paper work that they didn't take of any PPi or interest on that loan for early repayment). A few years ago i got into financial difficulties and agreed to pay welcome 35 a month which i'm still paying. Again my new loan had PPI added on.

 

Can i claim this back/ How do i go about doing this when i do not have either of the original contracts?

 

any help would be greatly received.

 

Thanks

Link to post
Share on other sites

OMG having read this post i am in no doubt i will have to pay maybe £15000 in charges and interest on a £7000 loan , i work 12 hours a night 5 nights a week for minimum wage , can't afford a spare pair of shoes and don't have time to play Sherlock and become a financial genius !

 

Why aren't there simple laws that can be quoted by the consumer to prevent these criminals from sidestepping the issue ?

Link to post
Share on other sites

I took out a loan with welcome finance in 2002. I was told I had to take out PPI with the loan as insurance or they couldn't give me a loan.

 

I few years later I took out another loan with Welcome FS and which paid of the first loan in full (i'm pretty sure but have no paper work that they didn't take of any PPi or interest on that loan for early repayment). A few years ago i got into financial difficulties and agreed to pay welcome 35 a month which i'm still paying. Again my new loan had PPI added on.

 

Can i claim this back/ How do i go about doing this when i do not have either of the original contracts?

 

any help would be greatly received.

 

Thanks

 

You will get more appropriate help if you start your own thread..

 

click this link put in an appropriate title and away you go....

 

http://www.consumeractiongroup.co.uk/forum/newthread.php?do=newthread&f=111

 

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

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...