Welcome finance CAR HAS BEEN CLAMPED .. now claim form from IND

[zaidey]

I have the original agreement and its not signed or has any vehicle info on the paper

 

Last time I sar welcome they produced a hp agreement but with a signature .. I only ever signed 1 agreement with welcome when I picked the car etc at there showroom

 

To this day I have never recieved a default notice I hope one turns up in the sar

 

Question is there a 7-14 days legal notice on termination notices

[dx100uk]

no but if the dn is faulty [contains penalty charges] then the TN will be invalid too.

 

any how

nows the time to scan what you have up

 

all the statements

and that agreement

sri if you've already done it

but its better here at the court end

 

please FOLLOW these instructions carefully

 

set your default scan page size to A4 less than 300DPI [150 will do]

scan the required letters/agreements/sheets - as a picture[jpg] file

don't forget you can use a mobile phone or a digital camera too!!

'

BUT......

ENSURE: remove all pers info inc. barcodes etc using paint program

but leave all monetary figures and dates.

*********************************************************

{DO NOT USE A BIRO OR PEN OR USE SEE THRU TAPE OR LABELS]

try www.pdfescape.com TO BLANK STUFF,

*************************************************************

or

DO IT IN MSPAINT.EXE or any photo editing program

goto one of the many free online pdf converter websites ...

http://freejpgtopdf.com/

..

if you have multiple scans/pics

put them in a word doc FIRST and convert that to PDF

or use www.pdfmerge.com

 

convert existing PC files to PDF [office has an installable print to PDF option]

..

 

it would be better to upload a multipage pdf if

you have many images too rather than many single pdfs

.

or if you have PDF as an installed printer drive use that

or use word and save as pdf

try and logically name your file so people know what it is.

though dont use full bank names or CAG in the title

i'e Default notice dd-mm-yyyy TSB

.

open a new msg box here

hit go advanced below the msg box

hit manage attachments below that box

hit the add files button on the top right

hit select files, navigate to your file on your pc

hit upload files

.

dx

[zaidey]

ok this is pretty much everything i have on welcome

 

my original agreement and the one hp agreement they sent me

 

can u look at the statement too they dont make any sense to me

 

thanks

[Jimmy Jangle]

Similar to my statement - note the charges for calls, letters and 'Add Hoc' - on your agreement the charge is a lower figure £5 vs the £10 they keep whacking on - did they ever send you a notice of variation? I never received one either...

[dx100uk]

have you ever done a PENATLY fee spreadsheet?

 

dx

[zaidey]

have you ever done a PENATLY fee spreadsheet?

 

dx

 

No what's that???

[dx100uk]

This second spreadsheet is a compound interest calculator and can be used both for PPI claims and Charges Reclaims on Revolving Credit Accounts such as credit cards. Compound interest is not an award that fos will give in respect of PPI claims but it can be used in PPI cases that are pursued through the courts. It is the standard sheet that is also used for charges reclaims both on credit cards and loan accounts where interest in restitution is claimed.

 

CISheet v101.xls

 

put every PENALTY fee in individually on a new row

 

use THEIR int rate in celld15

 

I know they have later refunded

 

but get the first bit done.

 

dx

[zaidey]

just on the moneyclaim.gov website should i counterclaim welcome or just have 28 days to prepare a defense

[dx100uk]

defend all

 

dx

[zaidey]

Ok done aos with defend all

 

Waiting on sar now and this default notice and termination notice

 

Dx did u get time to look at the credit agreements on the PDF file

[dx100uk]

2 copies same one there?

 

what was the issue

 

dx

[zaidey]

img 14 and img 15 (2) are from the sar they have a signature from welcome and car details

 

 

img 15 and img 16 are from the original aggreement...the one i kept when i picked up the car from welcome...they have no car details and are not signed by welcome

 

how can i have signed for the car twice on 2 different agreements on the same day at there premises??

[dx100uk]

I will deal tomorrow

 

dx

[dx100uk]

your sigs are certainly in diff places.

 

I wonder if you signed one lot

them they went away to the computer/printer

and came back with a new one with the car details on it.

 

dx

[zaidey]

no i only ever signed 1 aggreement

 

i visited and signed the aggreement on the 18/10/06 (i went to the welcome showroom at liverpool and left with the car the same day)

 

the sar aggreement is dated the 20/10/06 ????? how is that ???

 

also the hp aggreement states "HIRE PURCHASE AND CREDIT AGGREEMENT ON TRADE PREMISES" at the bottom, does this mean anything.....

[dx100uk]

sounds like ye old welcome trick of staff I signed agreements then,

 

dx

[zaidey]

So what would u do with regards to a defense for this court proceedings

[dx100uk]

please excuse me i'm not on my usual system so cant back review a thread too well.

 

are they relying upon the 'fake' agreement on the claim

or referring to the earlier one?

 

what dates match up?

 

if the claim is reliant upon the fake one

and you say above you were there on only one time

then that smells

 

dx

[zaidey]

the claim form states this (ill type it for you)

 

"The claimant claims for sums due under a/various credit agreement(s) regulated by the consumer credit act 1974 entered into between the claimant and the defendant. The defendant failed to pay the contractual instalments in compliance with the terms of the agreement(s). The claimant complied with section III and Iv and annex b of the PD Pre-action Conduct.

 

And the claimant claims:

 

Hire purchase account number xxxxxx balance of 8603.75 as of 8/7/09. Less payment of £10 dated the 28/6/13.

 

Interest under s69 of the county court act 1984 at the rate of 8% a year from 8/7/9 to 5/7/13 of 2,750.99 and also interest at the same rate up to date of judgement or earlier payment at a daily rate of 1.88 AND COSTS"..

 

Thats it

 

the £10 payment was for the sar request

[zaidey]

to add i only have ever have or signed 1 agreement...

 

i have only ever had 1 account with welcome for this car

 

never had any other loans or hp agreements apart from this one

[dx100uk]

and the statements start from 20/10/6 too

 

so if that's not your sig as you weren't there...opps welcome!!

 

dx

[zaidey]

Lol they are so stupid it beggars belief

 

Question is doesn't a trade premises hp agreement have to be signed by both party's on the day the car is picked up buy the buyer

[zaidey]

right im about to file my defense for this claim and need some help please?

 

i have sar welcome and ind but they havent replied even tho i sent them recorded signed for???

[zaidey]

bump

[citizenB]

I will try and find you some help, but can you summarise where you are at, at the moment, please and when do you need to submit your defence by ?