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    • Is the letter headed Letter of Claim/before Claim or similar? If not, it sounds like more of the threatogram chain. If you're not sure, post up an anonymised copy of the letter and we'll check. HB
    • So guess what, we have received a final demand letter for £100. It states if payment is not made by 11/06 they will have no option but to forward the case to their litigation dept with a view to commence County Court Proceedings. So just wondering if anyone has any advice. Do we ignore this? or do we need to take action? Thanks 
    • hi dx, thanks for helping just re-reading everything this morning and I must have missed this one from uncle in his thread "What you should not do, is not contact the Banks and simply default on payments. "  are you in disagreement with this based on your last sentence?
    • Thanks for the reply and clarification, that might just explain why in my case contact has pretty much ceased. Though with such companies it doesn't mean they won't ever threaten to return to court as a tool to force one's hand if they feel they are not self informed on their chances etc.  But concerning how last year they tried to use the CCJ to get a charging order and the court granted an intirum order on our mortgage using the CCJ that would have been a good 2-3 months beyond the 6 years, should the court not have checked the age of the CCJ in the first case or would they always grant an interim order simply off the back of a CCJ being produced without even checking the age of it?.  Had I not defended that action at the time they may well have got a default using a CCJ older than 6 years which could be a concern going forwards. At the time when I contacted the court to question the paperwork for a final order application the clerk suggested people don't get informed when companies apply for interim charging orders, they are automatic if a claimant has a CCJ and people only get contacted once a date for a final order application goes through. kind of begs the question if such companies can continue a seemingly backdoor method to attempt default action if un-defended if the initial application doesn't need to check the age of a CCJ?.
    • Hello!  Wondering if someone can help with this.  I suspect not but worth a go.  I appreciate the "contract is with the seller" line, which is what Evri has fed me but wanted to see if someone with experience in these things could suggest anything else I could do here.  I appreciate there are many topics about lost parcels - My parcels weren't lost, until the driver walked up to my door with them and then decided to make them lost/stolen... I'll summarise what has happened.  Wednesday of last week - Evri delivery driver stole / walked off with 3 of my parcels.  -  Arrived outside my properly, took photos (3 separate photos as its 3 separate deliveries) of the tops of the parcels (pointlessly zoomed in on just the labels, couldn't see anything else, other than a small piece of the pavement and a little weed, which doubly confirms it was outside my door as I can see the same plant), marked the order as delivered and walked off with them.  He's marked on the Evri GPS marked that he was outside.   -  3 different deliveries, from the same company (same boxes etc.), but 3 separate tracking numbers. -  Went through the Evri bot which opened a case on each tracking number.  I then phoned them and left a voicemail explaining what had happened. -  24 hours later had a canned response asking me if the packages had turned up and to check around etc..  I responded explaining again what happened and that they've definitely been taken. -  4 days later,  this morning, I get a response telling me to ask the merchant to refund me. I've responded to this message with a long email, repeating what I said, that I believe the driver has stolen these packages and that he took those suspicious top down shots of the packages, marked them as delivered without ringing or knocking etc.  I've said that I expect them to investigate further, but I gather they won't. In my several messages to them initially and later, I told them I don't care about a refund and wanted the parcels.  They contain some sentimental stuff, nothing of high monetary value, hence me going to this trouble.  I only paid £25 for the contents. I did contact the merchant when this first happened and they asked me to wait a few days.  They ended up refunding me despite me asking them not to and that I wanted them to escalate it with Evri because this appears to be a case of theft.  They didn't seem bothered - Refunded me and told me to go back to Evri and escalate it with them? So - Is there any way to compel Evri to conduct a proper investigation with this driver?  Search for my parcels? I have quite a lot of deliveries handled by Evri (not out of choice) - They used to have a fantastic chap and I rarely had any issues.  He has been replaced by a new guy and I believe the route is handled by this same guy who I believe has taken my packages.  Naturally, I fear this is going to happen again in the future if no investigation occurs. Appreciate any assistance - Thanks for reading. Al.  
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Hi guys not sure if anyone has covered this yet but the insurer is still Norwich union and any claims are dealt with by some mob called direct group (to which i have an address for if anyone wants it :D) who will try to use any excuse to get out of paying luckily im not a muppet and had them banged to rights within 2 mins of call after receiving a letter saying naw we aint gonna pay you and a nice little cheque a week llater from welcome for payments already made

 

Keep up the good fight!!!!!!!!!!!!

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:eek: I am in awe! You not only got a cheque from welcome but in a week?!

 

Was the cheque a refund of your PPI and was it from Welcome, Direct Group or somewhere else?

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

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Hello everyone

I am new here and this is my 1st post

I have a personal loan with welcome Finance, for about 3 months now. I pay by direct debit and have never missed a payment.

I received letter today from them, called Notice Of Default Sums, for 50£. Reason for this is skip trace. But...why? Please could help me because I cant afford 50£ to pay, for something I dont understand? Whar options do I have?

thank you

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Morning Animal lover, that looks like one of their standard threats. They have stated they have been given a specific instruction from Welcome so defo send postggj's letter so that if they were to start anything, it's their own decision after being informed of the dispute.

 

I would also do a quick letter to Welcome demanding to know why they have authorised litigation proceedings for a dispute that the FOS is currently dealing with (which they probably haven't) - are they purposefully attempting to waste the FOS's time?

 

If they reply that they haven't then start the whole complaints process against Global. Don't give them an inch!:D

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

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Hi postggj, all.

 

Although I HATE maths, time to have a bash. Have been doing some digging and would like to pose a 'scenario'.

 

Insurance Premium Tax (IPT) from what I can gather is 5% of the taxable premium. Now there are various rules about what counts as the taxable premium paid but basically, it is the full amount paid in relation to the policy premium - including commision, charges (whether those charges are called 'interest' or not) etc.

 

The only time the interest/commission etc is exempt from the tax is if these are part of a SEPERATE contract with the customer. OK.

 

Now you may think your loan agreement, regulated under the CCA, showing the insurance and the interest charged on it would cover this - but I am not so sure. The premium you are charged is on the same contract as the interest charges - the monthly payments you pay are all together - nothing seperate. OK.

 

So a company should be paying IPT of 5% on the total amount you have paid for your insurance? Hmmmm, have a look at the breakdown the lovely Mr Scothern gave this cagger in post 18. To me £90.64 is NOT 5% of the total amount they paid for that premium.

 

welcome finance and ppi **WON** - The Consumer Forums

 

Then....there is a company called Homeserve who were caught out recently along the same lines. They were selling insurance cover for boiler breakdown etc and along with the premium charged for the policy they were adding £14 admin charge. They stated in their paperwork that this was a seperate contract with Homeserve and were not paying the 5% IPT on that £14.

 

Except there was no actual seperate contract in actual existence and the £14 charge was included with the monthly premium payments - again, all together - nothing actually seperate, whether implied or not.

 

They argued, HMRC went to court and the judge ruled for HMRC. Homeserve now have to pay back all those little 5%'s of £14 on each policy underpaid - which comes in at just under 1 million.

 

Hope that is clear enough lol - now have another look at the figures quoted on the link about. I wonder...............

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

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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

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dipply

 

what we have here is dynamite

 

i have just spoken to my pal.

he works in a local insurance office

 

welcome have to pay the 5% insurance tax

to any body fighting ppi claims with these pirates,

 

when they sell you ( force ) the insurance on you, they have to tell you that they get commission

this has to be in the terms and conditions of selling the policy.

this needs to be given to you at point of sale

 

they are allowed to do an addmin charge, but this must be told to you

 

this must be a small one off charge , not paying it through the length of the policy, at the high apr

 

welcome now have some explaning to do

 

gotcha

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Hi guys, really think we could be onto something here? Apparently, as we are part of the EU there is also something called 'Liability of the Insured'. Under EU law for Insurance Premium Tax, if the insurer has not fully paid the IPT due, the insured can actually be held liable for it!

 

Now I know that would be for large amounts and mostly business dealings (HMRC have already tried using this law against a UK company) but it does mean that not only do you have a duty, but it's in you own interests to ensure the IPT on your premium is fully paid. Could be just the doorway we need to demand proof of how much they paid and to who.

 

When my OH asked for his statements etc (not a full SAR) they sent (in error methinks!) lots of paperwork he had never seen before relating to his PPI, all with his signature on, forged. There was one with a breakdown of figures, will have to find this and see if IPT is listed and if the 5% is not fully paid I can go straight to the HMRC and test the water maybe?

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

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dipply

 

what we have here is dynamite

 

i have just spoken to my pal.

he works in a local insurance office

 

welcome have to pay the 5% insurance tax

to any body fighting ppi claims with these pirates,

 

when they sell you ( force ) the insurance on you, they have to tell you that they get commission

this has to be in the terms and conditions of selling the policy.

this needs to be given to you at point of sale

 

they are allowed to do an addmin charge, but this must be told to you

 

this must be a small one off charge , not paying it through the length of the policy, at the high apr

 

welcome now have some explaning to do

 

gotcha

 

This is great - how many caggers have already either had to ask about commission and still had no answer, or been told no commission is paid.

 

For all the caggers given the basic policy T&C's on Welcome headed paper, nothing about any of this.

 

Oh dear :D

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

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Animal Lover, I cannot wait to see if they reply to you and see what they say lol.

 

Found the OH's paperwork. I think I will have to sit with my local trading standards, and take a packed lunch. There have been so many facts and figures that just didn't add up - till now. There is sneakiness you would not believe. and they have NOT paid 5% on the full amount.

 

If we can prove what they have done with this agreement it should make animal lovers, and others, refunds plain sailing as they will know exactly what to ask for and prove.

 

Will dig out my scanner and get it posted on my thread to show you as I need help going through it all and to make sure I am on the right track!

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

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It gets better everyday :D

 

I'll make sure i send regular letters asking for updates on the investigation as they might "forget"

 

They said within 4 weeks it's been a week and no reply so i'll send one towards the end of the week and see what they say.:D

 

Keep up the great work :)

 

I'm not very good at this type of thing but if you need me to do anything just let me know :)

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