Jump to content


  • Tweets

  • Posts

    • That is a big improvement Dave and I do agree that it s best to leave it till the last moment to prevent VCS from countering your WS. [usually using doubtful logic that can't be easily argued against in a Court atmosphere] However my first post [no. 32] about the contract is the one that really exposes Jake's flummery and calls into  question jost how close he comes to committing perjury. And that is what hopefully VCS will not want questioned by a Judge. 
    • just to be clear here..... the DVLA do not send letters if a drivers licence address differs from any car's V5C that shows the same driver as it's registered keeper.
    • sorry she is a private individual, the cars are parking on her land. she can clamp the cars. only firms were outlawed from doing it bazza. thats what the victims of people dumping cars on their drives near airports did and they didn't not get prosecuted.    
    • The DVLA keeps two records of you. One as a driver and one for your car. If they differ you might find out in around a month when they will send you a reminder as well as to your other half for their car. If you receive nothing then you can be fairly sure that you were tailgating though wouldn't explain why they didn't pick up your car on one of drive past their cameras. However even if you do get a PCN later then your situation will not change. The current PCN does not comply with the Protection of Freedoms Act 2012 Schedule 4 which is the main law that covers private parking. It doesn't comply for two reasons. 1. Section 9 [2][a] states  (2)The notice must— (a)specify the vehicle, the relevant land on which it was parked and the period of parking to which the notice relates; The PCN states 47 minutes which are the arrival and departure times not the time you were actually parked. if you subtract the time you took to drive from the entrance. look for a parking place  park in it perhaps having to manoeuvre a couple of times to fit within the lines and unload the children reloading the children getting seat belts on  driving to the exit stopping for cars pedestrians on the way you may well find that the actual time you were parked was quite likely to be around ten minutes over the required time.  Motorists are allowed a MINIMUM of ten minutes Grace period [something that the rogues in the parking industry conveniently forget-the word minimum] . So it could be that you did not overstay. 2] Sectio9 [2][f]  (ii)the creditor does not know both the name of the driver and a current address for service for the driver, the creditor will (if all the applicable conditions under this Schedule are met) have the right to recover from the keeper so much of that amount as remains unpaid; Your PCN does not include the words in brackets and in 2a the Act included the word "must". Another fail. What those failures mean is that MET cannot transfer the liability to pay the charge from the driver to the keeper. Only the driver is now liable which is why we recommend our members not to appeal. It is so easy to reveal who was driving by saying "when I parked the car" than "when the driver parked the car".  As long as they don't know who was driving they have little chance of winning in court. This is partly because Courts do not accept that the driver and the keeper are the same person. And because anyone with a valid motor insurance policy is able to drive your cars. It is a shame that you are too far away to get photos of the car park signage. It is often poor and quite often the parking rogues lose in Court on their poor signage alone. I hope hat you can now relax and not panic about the PCN. You will receive many letters from Met, their unregulated debt collectors and sixth rate solicitors threatening you with ever higher amounts of money. The poor dears have never read the Act which states quite clearly that the maximum sum that can be charged is the amount on the signs. The Act has only been in force for 12 years so it may take a  few more years for the penny to drop.  You can safely ignore everything they send you unless or until they send you a Letter of Claim. Just come back to us if they do send one of those love letters to you and we will advise on a snotty letter to send them. In the meantime go on and enjoy your life. Continue reading other threads and if you do get any worrying letters let us know. 
  • 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

Welcome Finance Investigation


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 4998 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

Don't worry about me i'll be fine i've got through a hell of alot worse :).

 

I'll probably leave the work thing and just sort out the wages that i'm owed and leave it at that as i don't feel strong enough to deal with a tribunal at the moment.

 

I think the letter is great i'll post it to them tomorrow and see what they say, i've also changed the Global letter to put 'in dispute' instead so i'll post that too.

 

See how they like that :D

 

Thanks for all your help yet again i really appreciate it

 

AL

Link to post
Share on other sites

  • Replies 450
  • Created
  • Last Reply

Top Posters In This Topic

Top Posters In This Topic

dipply

 

we are trying to get an answer from welcome ref these insurances and its obviouse we have hit a nerve

 

just a thought

 

we know welcome front load these insurances for max profit and pay the underwriter a fraction of the payment. thats if there is a third party and not welcome themselves (alledged )

 

how do we know these insurances are front loaded, the customer is charged to that effect by welcome, but i have yet to have proof to that.

 

i have allways believed these insurance policies are kept in house and direct group try to give it credability, unholy alliance comes to mind

 

welcome allways neglect to include this info in sar requests

 

the truth will come out

Link to post
Share on other sites

Interesting postggj. will have a dig about, I need to understand more about front loading etc.

 

If it was all done in house (allegedly), the direct group/welcome thing would be a very convincing paper smokescreen. Either way - each policy had to have been underwritten by someone, which there must be a papertrail for. If there is nothing to hide then why can't we get basic info from a simple ppi policy?

 

If they were not underwritten? Big trouble.

Dipply75

 

I am in no way a legal advisor and only speak from my own experiences and the helpful advice of those in the same boat! :p

Link to post
Share on other sites

Hi there not sure if this of any help but I too am trying to reclaim PPI from welcome, just dug out all my paperwork including a leaflet on PPI which was given to me in 2005. the key facts of the policy are summarised & 2 insurance companies are mentiond: Direct Group Ltd & Norwich Union.

not sure if tis of any help or what it tells us?:confused:

Link to post
Share on other sites

i've been to court with welcome re: PPI and lost.

 

two of the issues were that the PPI agreements (which were supposedly original copies) had addresses on them which i didn't move to until three years after taking the loan out!! so i alleged that the policy documents did not exist making the policy void as it was impossible to make a claim without the documents which never received.

 

secondly, i SAR'd Direct Group who sent back saying they had no information on me at all, no policy numbers or anything. when i showed this to the judge, welcome produced an email string of a conversation between welcome and direct showing that they had trouble with locating my account and had written to me later in the claim (nothing received by me of course). very convenient i thought and this evidence was not submitted prior to the hearing.

 

i lost by the way purely because it said Optional on the agreement

Link to post
Share on other sites

welcome need to be investigated by oft, just because form said optional does not make it optional,,,, when they say the loan will not be given without taking out the insurance ( this is not optional especially when you are vulnerable.... and lets face it if you were not vulnerable you would not be approaching welcome.... the reason you are there is because of a poor credit file.... CRA have a great deal to answer for... It is no wonder the entire financial system is in the state it is in.

Only direct action by the masses will work....

 

Look at all successes they have never come from negotiation!!!

Link to post
Share on other sites

Hi pears23, thankyou, helpful info as it seems that agreements up to around 2005 stated clearly Norwich Union on the agreements as the insurer - after that the wording changed to "a reputable insurer". My older agreement (2003) listed Norwich Union, my partners in 2006 was the vague reputable insurer. Can you tell me if this was just on the back of the agreement or did you have an actual 'key facts' document? I have read you are supposed to get these but have no idea when this started!

 

Hey mcfadwmc - firstly, hats off to you for taking them on. I take it you had one of those judges that would believe any crap put in front of them? I am so sorry you lost, from what I read it was a ridiculous decision. Fergal is right, the OFT and the FOS need to pull the finger out.

 

I can't believe there aren't enough complaints logged not to arouse any suspicions so far. I know I am due a refund but I would much rather see them properly investigated and see the truth come out.

Dipply75

 

I am in no way a legal advisor and only speak from my own experiences and the helpful advice of those in the same boat! :p

Link to post
Share on other sites

Hi, Sorry not been on for a while BT cut me off and they don't even know why.

 

Anyway i've recieved a letter dated 6th Nov from Global saying Welcome have instructed them to start litigation the day after Welcome recieved a letter from me regarding the questions on the PPI.

Also i recieved a phone call from a company that claim to keep certain companies files upto date and they were ringing for Welcome asking to confirm my name, address and employment status. I can't remember the name of the company as she kind of said it under her breath. she asked me to confirm my details once i questioned who she was she went through my details and asked me to confirm it instead and then quickly hung up the phone. The number was witheld.

Global should of also recieved there letter on the 7th saying that i will not consider any offers for clearing the account until the disputes that are currently with FOS and ICO are resolved.

 

Do you think they will start litigation or are they just trying to scare me because of my complaint

 

AL :)

Link to post
Share on other sites

Hi pears23, thankyou, helpful info as it seems that agreements up to around 2005 stated clearly Norwich Union on the agreements as the insurer - after that the wording changed to "a reputable insurer". My older agreement (2003) listed Norwich Union, my partners in 2006 was the vague reputable insurer. Can you tell me if this was just on the back of the agreement or did you have an actual 'key facts' document? I have read you are supposed to get these but have no idea when this started!

 

Hey mcfadwmc - firstly, hats off to you for taking them on. I take it you had one of those judges that would believe any crap put in front of them? I am so sorry you lost, from what I read it was a ridiculous decision. Fergal is right, the OFT and the FOS need to pull the finger out.

 

I can't believe there aren't enough complaints logged not to arouse any suspicions so far. I know I am due a refund but I would much rather see them properly investigated and see the truth come out.

 

Loan was taken out july 2005 and this information is stated in a leaflet entitled "take the worry out of repaying your loan", a policy summary & key facts. hope this helps.

Link to post
Share on other sites

Hi Animal lover, thought you had got bored of us lol. Very strange that phone call....what was all that about? Can you post the Global letter on here? Folk on here are getting good at spotting companies standard threatograms as opposed to real threats.

 

There are some strange happenings going on to a few of us with the same type of complaints in against them...check out the recent posts on this link:

 

http://www.consumeractiongroup.co.uk/forum/general-debt-issues/37780-welcome-finance-any-dealings-51.html

 

Think yours is connected too?

Edited by Dipply75
forgot to add the link - sigh

Dipply75

 

I am in no way a legal advisor and only speak from my own experiences and the helpful advice of those in the same boat! :p

Link to post
Share on other sites

Oh pears23, (eyebrows raised!) I got all excited when I read your post (sad, I know lol)....is there anyway you could post a copy of leaflet on here for us to see?

 

I am dying to see what their version of a keyfacts leaflet looks like, it may be very useful indeed! ;)

Dipply75

 

I am in no way a legal advisor and only speak from my own experiences and the helpful advice of those in the same boat! :p

Link to post
Share on other sites

Hi formerwfsemployee

 

i know it was a while ago, but can you remember if Welcome took responsibility for the IPT levied on the single premium policies and paid it, or did you just pass the premium to the insurer and let them take care of that?

Dipply75

 

I am in no way a legal advisor and only speak from my own experiences and the helpful advice of those in the same boat! :p

Link to post
Share on other sites

Bt probably cut you of for not paying your bills animal lover!!!

 

Actually that's not why as i wouldn't be on now would i, and like i said they don't know why it happened, they would of told me there not like Welcome who treat there customers like xxxx on a constant basis.

 

if you haven't got anything to say about the thread and instead post comments that make people feel small knowing that other people can read it then don't bother posting.

 

Dipply

 

As soon as i find the letter i'll post it. The thread is very interesting and yes it sounds alot like the things there doing to me so it will be interesting to see what happens.

 

I haven't had any replies to the letters i sent to Welcome and Global so who knows maybe i might get a visit next

 

AL

Link to post
Share on other sites

Hi guys,

 

whats the big problem with welcome?

 

Is it the add-on insurances or more?

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

Click Here To Make A Donation

I am not legally trained or qualified, any advice i offer is gleaned from experience and general knowledge, if you are still unsure after receiving advice please seek legal advice.

Link to post
Share on other sites

Hi Martin2006

 

They are experts at taking advantage of people, for huge profit. When you visit a branch everything is done in a tiny private room, all verbally, with high pressure selling techniques, lies and even forgery.

 

No application forms are filled in, you just have a 'chat' where they seem all concerned, lovely people. Welcome know that when someone approaches them, they need the money and this is where folk are really taken advantage of - me included. This chat is to figure out how desperate/vulnerable you are. They new the tax credits messed up my claim and I was desperate for money to pay childcare - she then knew she could get away with murder with me. tactics include:

 

Taking all your details verbally - they then go into another room and enter all your details into the system. Many have discovered total lies were entered to approve huge borrowing they would not have got.

 

No application forms, so no proof.

 

When the salesperson returns with the agreement already filled in or completes it in front of you, the cheque is placed on the table in front of you. They only tell you how much you can borrow and what your monthly payment is and focus on the affordability of that payment. Unless you know ask nothing else will be explained to you.

 

If you DO ask there are various tactics - 'you won't get money anywhere else, the rate is so high because of the risk (65%??), the system decides the figures nothing I can do, if you don't miss payments we can re-negotiate a cheaper deal later in the loan, just phone me (thats a cracker) - all while holding the cheque in front of your face.

 

The agreement, which has not been discussed at all, is slid across the desk and you are asked to sign 'here and here' - while they still hold the top of it (in my case she actually covered all the figures at the top with her hand as well)

 

If you spot the PPI added you are told 'no ppi, no loan', it is company policy etc, again while holding that cheque in front of you. No health related questions, nothing about paying interest on the premium, no discussion at all except 'sign here'.

 

Once you have signed? they will mark your credit file, even if yo uhaven't missed a payment, which keeps you going back to them. Miss a payment (even by a few days) and there are letters and calls, charging you for each. Mysterious charges are levied, sometimes hundreds of pounds. They will visit your house over and over and charge you each time - knowing people think they have no choice in this "you signed a contract, thats it" crap.

 

And the PPI - the high premiums are taken, but no-one can every find any trace of an actual policy being opened anywhere, underwritten by anyone. They even refuse to tell you who your insurer apparently is! Hmmm, suspicious

 

They cannot wait to get you to re-finance and arrears are the biggest doorway to that.

 

Prime example - I knew of one couple, in their late 60's, who had unsecured borrowing and owed about £8-10K. Illness struck, got into arrears and they went to the branch to ask for help. They were warned they could be made bankrupt, lose their home, not much could be done except re-financing the loan which would have to be secured. This would require PPI, every other type of insurance welcome sold 'for protection', fees for the arranging the security blah blah. They were advised basically that this was their only option and by the time they left they had borrowed £26000. By the time they will have paid it off in about 15 years, they will have paid over £75000 for an £8-10K debt. Probably paying that for the rest of their days. I still feel sick every time I think about that.

 

I have always worried about that couple and hope they managed to fight that and get away from them.....but that is a PRIME example - not a one off.

 

Sorry for the novel, but they really get me going :mad:

Edited by Dipply75
more disgusted ranting!

Dipply75

 

I am in no way a legal advisor and only speak from my own experiences and the helpful advice of those in the same boat! :p

Link to post
Share on other sites

Yep that's what happened to me, well put Dipply

 

Recieved letter from Welcome today saying there doing an investigation into the points i have raised and will contact me as soon as they conclude it.

Usually within 4 weeks - probably need that time to think up new excuses as i don't see why they need to investigate it they just need to answer it.

 

AL

Link to post
Share on other sites

Yup:D Investigate what exactly lol...they are simple enough questions asking for basic facts about your insurance policy and their membership to the FLA.

 

Maybe its all locked in that big filing cabinet called "stuff no-one will ever know to ask"?

 

Well, since my old agreement listed Norwich Union as the insurer - letter going off to them to complain about my policy, their involvement with the likes of Welcome, the blatant abuse going on in NU's name that they should be aware of and that they should reconsider authorising them in future etc.

 

Lets see what response that brings

Dipply75

 

I am in no way a legal advisor and only speak from my own experiences and the helpful advice of those in the same boat! :p

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...