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    • Hi @Kyosanto thank you for the response, that’s extremely helpful! Thank you! 
    • Given the evidence you have provided it should hopefully be a formality, the WS is ready to go and their case is torpedoed below the waterline.
    • Hey @Rubixcube sorry that I am a bit late to the party but to look into your issues, could you explain in a bit more detail what happened? I did not know that either before you mentioned it, but it seems indeed that Booking.com holidays are just a mirror site for lastminute.com and therefore the exact same thing... Good to know because Last minute is an awful OTA. It actually doesn't seem to be a big secret. If you click the link below (which is the main link from booking.com home page, and has lastminute written in it!) you will see the slogan "Booking.com Powered by Last minute" on 3 separate areas at least within the same page! Just a moment... BOOKING-DP.LASTMINUTE.COM Anyway, do let us know what exactly happened and we can try and see who you should be claiming from.
    • post re submitted  we are quite secure with that. it's ok to it here  you need to formerly WRITE to BMW AND to the finance co. (who is?) and REJECT the car under your short term right to reject. 100's of threads here on Big Motoring World, and they scammed you out of a useless warranty too, you dont need it ever, CRA covers you for FREE. dx  
    • Hey there, as the plane went tech you are entitled to the £520 x2 compensation under EC261. This is a clear cut case. Just claim straight with Virgin. However you are not entitled to a full refund, since you were eventually flown to the final destination; of course that second flight should have been totally free of charge; if not you must bill Virgin for it. Your mum+sis are also entitled to full reimbursment of taxis to and from the hotel, as well as meals+refreshments that they had for the entire duration of the unexpected stop, including both at the hotel and airport. (Just stay reasonable: no claiming for 49 pina coladas at the beach bar) Was their luggage returned to them during the unexpected stop? If not they may also claim for any toiletries and clothing that they had to purchase during the night stop. I understand the hotel has already been paid for, just don't forget the rest. Hopefully they have kept the receipts. Otherwise bank statements should do the trick. You need to claim for this in addition of the £1040 Other than the above there is no statutory compensation due for missing out on 1.5days of holiday. You could however talk to someone at customer service and make a polite request to extend your stay by another couple days and see if they will do it for you free of charge (providing they have space). Or if not, you could possibly get some token gesture of money back or voucher off your next holiday. It's worth trying. That you paid £700 for a name change is unfortunate but it's completely unrelated to the situation at hand. Above all I hope they don't worry too much about this mishap, and make the most of their holiday. Compensation is practically guaranteedwhen they are back. Just tell them to save all receipts they have and don't worry about the rest until they're back!
  • 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- Massive Fees


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Back about a year ago, i took out a secured loan with welcome finance.

I borrowed £7,500, but 6 months later when i paid it off i paid back in excess of £10,000.

 

The charges were for ppi which i had to take and a redeeming fee of about £2000.

 

can i claim back these charges

has anyone had any dealings with welcome that can assist

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

Mortgage Express charges- settled in full after issuing claim

 

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

To view the FAQ'S click here: http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/

To view the PRELIM letter click here: http://www.consumeractiongroup.co.uk/forum/bank-templates-library/516-1-data-protection-act.html

To view the Letter Before Action click here: http://www.consumeractiongroup.co.uk/forum/bank-templates-library/92-3-letter-before-action.html

To find Registered Address:

http://www.esd.informationcommissioner.gov.uk/esd/search.asp

 

 

If my advise helps click here http://www.consumeractiongroup.co.uk/forum/reputation.php?p=366404

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I had dealings years ago with WF at that time if you didn't take PPI you didn't meet their lending criteria of course they never came out directly and said this more the way it was implied

Lloyds TSB - N1 claim issued 18/07/06 - £3440 Offered unconditional settlement 23/08/06

Vodafone-Information Commisioner assessment -default removal -25/07/06

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I knew it. Look at this FSA - Consumer Information - Insurance

 

Look at the orange box at the bottom. It says "You don't have to take out PPI to get a loan." So, if you were forced to take ppi, they have broken the FSA rules and will get into big trouble. You will be able to get your ppi payments back.

 

I have seen some other posts I think in the Egg forum about people claiming back their ppi.

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i did sign for ppi but i didnt want it.

 

at the end of the day i did sign!!!!

can i still claim it back

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

Mortgage Express charges- settled in full after issuing claim

 

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

To view the FAQ'S click here: http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/

To view the PRELIM letter click here: http://www.consumeractiongroup.co.uk/forum/bank-templates-library/516-1-data-protection-act.html

To view the Letter Before Action click here: http://www.consumeractiongroup.co.uk/forum/bank-templates-library/92-3-letter-before-action.html

To find Registered Address:

http://www.esd.informationcommissioner.gov.uk/esd/search.asp

 

 

If my advise helps click here http://www.consumeractiongroup.co.uk/forum/reputation.php?p=366404

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The FSA took over regulation of General Insurance products in Jan 2005. All finance companies are very scared of complaints to the FSA as they can levy unlimited fines. I would threaten an FSA complaint on the basis that you did not require PPI and were mis-sold it at the time of taking out the loan. Send a letter similar letter to an LBA threatening an FSA complaint - wouldn't hurt to also threaten a letter to the OFT (Not fit & proper to hold a CCL) as well. Should do the trick.

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they told me before i signed an 80%apr deal that it would help me get approved, afterwards i see that box that said it wasnt compulsory.

 

i cancelled it.

 

shame cos the sales rep would have got a hefty clawback,

Halifax WON X 2, Northern Rock WON, Capital One WON, Marbles WON, HSBC WON

On the 25th october I will be filing a claim for £175.00 Citicards. Just watch it!

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Welcome operate on a no debit back arrangement with garages in respect to finance so the commission wouldn't have been clawed back. They pay the worst commission in the industry and are a total shambles to deal with - I have to deal with them every day. Because they are often the lender of last resort for a lot of people Welcome know that garages don't have the option of arranging the finance elsewhere so they can pretty much do as they like. Also they very rarely county court customers because all of their repos go to their own branches where they sell them on to another customer on finance and as far as I know there is something in the law where they can't chase a previous customer for a debt when they have a new deal secured on the same asset - perhaps one of the mods could look into this and confirm whether it's true.

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excellent thanks

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

Mortgage Express charges- settled in full after issuing claim

 

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

To view the FAQ'S click here: http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/

To view the PRELIM letter click here: http://www.consumeractiongroup.co.uk/forum/bank-templates-library/516-1-data-protection-act.html

To view the Letter Before Action click here: http://www.consumeractiongroup.co.uk/forum/bank-templates-library/92-3-letter-before-action.html

To find Registered Address:

http://www.esd.informationcommissioner.gov.uk/esd/search.asp

 

 

If my advise helps click here http://www.consumeractiongroup.co.uk/forum/reputation.php?p=366404

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Just received statement account for loan agreement with welcomefinance.I just went into local branch and requested this info. Ive looked at account details and cant make sense of it. Only thing is, for a failed dd they have only charged me £20, i say only as this is cheaper than the banks charge.

There are alot of £5.00 fees which i dont know what for.Also MD and penalty fee for settling early.also ppi which i didnt want(£200)

Could anyone make sense of these statements.

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

Mortgage Express charges- settled in full after issuing claim

 

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

To view the FAQ'S click here: http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/

To view the PRELIM letter click here: http://www.consumeractiongroup.co.uk/forum/bank-templates-library/516-1-data-protection-act.html

To view the Letter Before Action click here: http://www.consumeractiongroup.co.uk/forum/bank-templates-library/92-3-letter-before-action.html

To find Registered Address:

http://www.esd.informationcommissioner.gov.uk/esd/search.asp

 

 

If my advise helps click here http://www.consumeractiongroup.co.uk/forum/reputation.php?p=366404

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  • 1 year later...

just got my statements of welcome finance iv noticed everytime i pay 200 pound of my bill which i have done for 2 years solid every month they charge me around 150 in fees so im only paying 50 quid off my loan every month i still owe 3900 of a 5000 grand loan from 3 and half years ago. missed 10 payments right at the start but this is madness i worked it out on the statement that there are 2500 in fees can send em a settlement cheaque

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  • 2 years later...

hi, i had an agreement with welcome for a £4000 car and with insurance`s etc (insurance made up around £6000) i had to pay back around £12000, after about 7-8 months i fell behind with my payments so they asked me to come into the office and sign an agreement to cancel the insurances and therefore reduce my monthly payments. i have been paying this new agreement for a year now and yesterday got a statement. after cancelling the insurance it turns out they have just boosted the loan for the car which they did not tell me about. for a £4000 car they want £9489.72 back at £112 a month for 7years!!! can they do this and what can i do? please help!

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  • 11 months later...

Is the £150 fees interest on the agreement? (sometimes shown as capitalization on a statement) If so this should reduce slightly every month meaning that eventually it is paid off. If you have missed 10 payments then the amount you will be paying back will be alot more than you may have first thought as the interest is calculated on the total balance every month (including the arrears) meaning that the interest at this point in the loan is much higher than it should have been. My advice is offer them a short settlement if you can afford it or start increasing your payments (even if only slightly) to bring the arrears down so the interest is not as high.

 

just got my statements of welcome finance iv noticed everytime i pay 200 pound of my bill which i have done for 2 years solid every month they charge me around 150 in fees so im only paying 50 quid off my loan every month i still owe 3900 of a 5000 grand loan from 3 and half years ago. missed 10 payments right at the start but this is madness i worked it out on the statement that there are 2500 in fees can send em a settlement cheaque
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did they refund you the mis-sold ppi

and have you reclaimed all the unlawful telephone/letter and cats died fees they lump on people.

 

went they canelled the ppi did they refund the unpaid ppi off the balance of the new agreement first.

i bet you are paying the interest on the ppi still.

 

please be aware we have spies do not be tempted to give ANY details if you get a PM .

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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