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    • I have no intention of providing them any comfort trust me. As you have helped alot of people in respect to DFS may I assume that some of that is in relation to this 'peeling of leather' issue. If so do you think that they are aware it is a manufacturing fault but 'wing it' so to speak for as long as possible? 
    • Morning,  phoned the court this morning. The claim was put back In front if the judge yesterday.  He has ordered a direction's hearing for May 4th via telephone.
    • You can only do your best, tnook. We'll support you no matter what.   The people on the other end of the line are only human beings and you're worth as much as they are. Just go through your arguments and don't be intimidated.     HB
    • I’m wondering how and why this person has got involved? She states that she works for West Midlands police in the cyber bullying/online fraud department. How would this have come to her attention?   The only picture that I have seen of someone on here was posted on Facebook 6 years ago - maybe 17 at the time but would be 24 now. No one is physically threatening this person or has anyone contacted him through Facebook (have they?) We, as victims, are merely conducting our own research, as it does not seem to be of interest to the police - more a civil matter.   My son in law holds the same position as the author with Staffordshire Police and he told me that he would be dismissed if he provided this information online. In fact, any official contact from the police must be made through the appropriate channels, including the officer’s full professional details. This is not an official police warning.  Knowing what I do about this slippery car dealer and the fact that HE follows these threads, I would be more likely to believe that this has something to do with him.
    • We believe this firm has been providing financial services or products in the UK without our authorisation. Find out why to be especially wary of dealing with this unauthorised firm and how to protect yourself from scammers. View the full article
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    • I sent in the bailiffs to the BBC. They collected £350. It made me smile.
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    • Hi @BankFodder
      Sorry for only updating you now, but after your guidance with submitting the claim it was pretty straight forward and I didn't want to unnecessarily waste your time. Especially with this guide you wrote here, so many thanks for that
      So I issued the claim on day 15 and they requested more time to respond.
      They took until the last day to respond and denied the claim, unsurprisingly saying my contract was with Packlink and not with them.
       
      I opted for mediation, and it played out very similarly to other people's experiences.
       
      In the first call I outlined my case, and I referred to the Contracts (Rights of Third Parties) Act 1999 as the reason to why I do in fact have a contract with them. 
       
      In the second call the mediator came back with an offer of the full amount of the phone and postage £146.93, but not the court costs. I said I was not willing to accept this and the mediator came across as a bit irritated that I would not accept this and said I should be flexible. I insisted that the law was on my side and I was willing to take them to court. The mediator went back to Hermes with what I said.
       
      In the third call the mediator said that they would offer the full amount. However, he said that Hermes still thought that I should have taken the case against Packlink instead, and that they would try to recover the court costs themselves from Packlink.
       
      To be fair to them, if Packlink wasn't based in Spain I would've made the claim against them instead. But since they are overseas and the law lets me take action against Hermes directly, it's the best way of trying to recover the money.
       
      So this is a great win. Thank you so much for your help and all of the resources available on this site. It has helped me so much especially as someone who does not know anything about making money claims.
       
      Many thanks, stay safe and have a good Christmas!
       
       
        • Thanks
    • Hermes and mediation hints. https://www.consumeractiongroup.co.uk/topic/428981-hermes-and-mediation-hints/&do=findComment&comment=5080003
      • 1 reply
    • Natwest Bank Transfer Fraud Call HMRC Please help. https://www.consumeractiongroup.co.uk/topic/428951-natwest-bank-transfer-fraud-call-hmrc-please-help/&do=findComment&comment=5079786
      • 33 replies

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Can anyone tell me how i can get Peter Barred to have a look at my Credit Agreement for Welcome Finance

 

Thanks :)

 

Hi Animal lover, I have (well in a minute) put a link to your agreement form in the CCA thread. Hopefully someone will pop in and give an opinion on it for you. :)

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Uploading documents to CAG ** Instructions **

 

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1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

 

 

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2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

 

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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Peter Barred peter the bard

yes send your SAR REQUEST to welcome

their is also a letter on the dummies guide for re claiming PPI so dig that out and send to reclaim every penny concerning the ppi they had no right to sell this policy as you already would have been barred from claiming so whatever has been paid you are entitled to every penny back but when you do send the re claim PPI remind them that you shall also send a report to the ICO concerning this PPI

they have already been fined about 1 mill for mis selling PPI

with this threatening to report you will get some satisfaction and it will also stop them in their tracks from playing silly beggers with you

good luck

remember all letters you send to be registered post no signatures etc: ok

patrickq1

http://www.consumeractiongroup.co.uk/forum/welcome-consumer-forums/107001-how-do-i-dummies.html

 

 

 

 

Advice & opinions given by patrickq1 are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional

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Hi Animal lover, I have (well in a minute) put a link to your agreement form in the CCA thread. Hopefully someone will pop in and give an opinion on it for you. :)

 

Thanks, i'm not sure how you do the links, I've looked but can't find it :)

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Peter Barred peter the bard

yes send your S.A.R - (Subject Access Request) REQUEST to welcome

their is also a letter on the dummies guide for re claiming PPI so dig that out and send to reclaim every penny concerning the ppi they had no right to sell this policy as you already would have been barred from claiming so whatever has been paid you are entitled to every penny back but when you do send the re claim PPI remind them that you shall also send a report to the Information Commissioners Office concerning this PPI

they have already been fined about 1 mill for mis selling PPI

with this threatening to report you will get some satisfaction and it will also stop them in their tracks from playing silly beggers with you

good luck

remember all letters you send to be registered post no signatures etc: ok

patrickq1

 

I've already sent a letter to re claim the PPI, I found the letter on Money Saving Expert and there doing an investigation on it.

Should i send that letter aswell :)

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I've looked on the how do i link, but i can't see anything for PPI just for how to use the forum

 

 

I am not sure what your question is. Do you want to insert a link as I did earlier for you on the CCA thread.. if so..

 

 

You go into the thread you want say this one. you can either left click in the browser bar at the top, copy then paste the link into your thread or if you want to direct someone to a particular post you can click on the permalink on the right of the post you want someone to see then copy and paste that into your thread. The link below will take you to the post I made in the CCA thread earlier today.

 

http://www.consumeractiongroup.co.uk/forum/general/33174-consumer-credit-act-agreements-600.html#post1573011

Have we helped you ...?         Please Donate button to the Consumer Action Group

 

Uploading documents to CAG ** Instructions **

 

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

 

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

 

 

BCOBS

 

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

 

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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Hi, no i just meant to put a link for the Credit Agreement, but i wasn't sure how to do it, But it's fine now.

 

Thanks

 

:)

 

Good morning animal lover. I had a lightbulb moment over night and realised that was probably what you meant. My apologies, I am pleased you have managed to work it out.:)

Have we helped you ...?         Please Donate button to the Consumer Action Group

 

Uploading documents to CAG ** Instructions **

 

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

 

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

 

 

BCOBS

 

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

 

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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  • 3 weeks later...

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/6986-data-protection-act-non.html

 

also an excelent point by pt2537

 

ask for a copy of the underwriting sheet which will show any commission which are not disclosed which then give rise to a claim

 

in your sar i bet they did not give you your insurance details and who your insurance is with , did they

 

this is typical of welcome

 

give them fourteen days and send special delievery

 

give them these pointers and tell them they have a legal obligation to supply ALL DATA

if not you will be submitting a claim through the county court at full costs for the release of this data

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No they didn't send any of that, I'll wait for 14 days and then i'll send the non compliance letter.

 

Should i ask for the persons details again who sold me the policy, As they didn't send that either :mad:

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ask them to confirm the person who sold you the policies is qualified to give financial advice and for them to send proof

dont worry this is a welcome tactic

i had months of this merry go round

 

no need to wait fourteen days

send the non compliance letter now and give fourteen days to comply

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another point

if you still have the insurance documents check with the insurance company that you do have insurance.

mine was suppose to be with norwich union but they never heard of me

these should have been in your sar but welcome have a habit of leaving them out

 

hmmmm

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Ok, I'll send the letter today then, I've never recieved any Insurance documents or anything reguarding the PPI but it's still on my Credit Agreement and on other forms they have sent in my S.A.R that i do have it, I don't even now who my insurance is with.

 

Also i never got the Default notice in S.A.R but it's still down as defaulted on my credit files. I recieved another copy of my agreement though.

 

Should i send an CCA request form or should i add it to the list on the Non-Compliance :)

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send the non compliance

tell them you need a copy of the default notice

copies of who you are insured with ref ppi gap etc

no need for cca as you have your sar

and what i said in post 35

as well as the qualifications of the person who sold you the insurances

 

lets see them like that

 

dont let them of the hook

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ill see if i can contact any one to check the agreement

in your letter ask for the original agreement to be sent to your local office for inspection

just because they have a poor copy does not mean they have the original

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Great, thanks

 

I sent a pm to Rory32 to see if they could ask Peter Barred to take a quick look. but apparentley he hasn't been on for a while as he's ill so i'm not sure when he will be back on. I didn't know who else to ask

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  • 2 weeks later...

I've recived a letter back regarding there investigation into my PPI and Charges and for the PPI they said that they wont refund any premiums as i've signed and enjoyed the benefits of it. i didn't know what i was signing for as she never told me about the PPI she just told me to sign and i don't know anything about my policy or even who it's with. And they also said they wouldn't refund any of my charges. Plus i recieved a reply for the missing information that wasn't included in my S.A.R and they have completely ignored my request and only sent the info they sent me the first time. I think this is gonna be a very long battle

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I've recived a letter back regarding there investigation into my PPI and Charges and for the PPI they said that they wont refund any premiums as i've signed and enjoyed the benefits of it. i didn't know what i was signing for as she never told me about the PPI she just told me to sign and i don't know anything about my policy or even who it's with. And they also said they wouldn't refund any of my charges. Plus i recieved a reply for the missing information that wasn't included in my S.A.R and they have completely ignored my request and only sent the info they sent me the first time. I think this is gonna be a very long battle

 

What benefits have you enjoyed from the PPI ?

Have we helped you ...?         Please Donate button to the Consumer Action Group

 

Uploading documents to CAG ** Instructions **

 

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

 

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

 

 

BCOBS

 

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

 

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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What benefits have you enjoyed from the PPI ?

 

Nothing i didn't know i had it until recently, like i said i don't even know who the policy is with. I never recieved any paperwork about it and all the ones i've "signed" have her writing on she just told me to sign she printed my name and put the date on. I vividly remember the woman who gave me the loan shouldn't of done it but the person who was was busy but obviously i can't back that up as i have no proof.

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