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    • Hi,   I've been summoned into court next month for getting caught using my younger sisters oyster card. But they also analysed her card and saw that ive used it 149 times other than that. I'm only being chargerd with the one offence and am having to pay fines and i can chose to plead guilty or not guilty.    HOWEVER the letter states "The schedule gives paticulars of 149 offences, which we suspect you of commiting but have not been charged with. If you pead guilty in person an are found guilty of any offences with which you have been charged you can, before any sentence is passed, admit all or any of the matters in the attatched schedule and ask the court to take them into considerations. This in turn will result in not being subsequenly charged with any of these matters"   I have heard that you can write a letter to try to settle out of court but who do i send the letter to as there is no contact on the summons letter?
    • Very is crap IMHO. CEO Email will get you a case handler to manage this.   sam.perkins@shopdirect.com
    • I purchased a Macbook pro from very.co.uk but after 2 weeks is stopped working completely, I talked to very.co.uk electrical support and they agreed it couldn't be fixed and asked me to return the item. I returned the item and very.co.uk refunded my cc.   However I then received a letter stating that I needed to remove the MacBook from my apple account so that the machine could be accessed by very.   I ignored this at first as I thought it was a mistake as they had refunded me. However then I received a bill from them, they had added the cost of the Macbook to my account credit account on very!   I removed the Macbook from my apple account as requested and messaged them via my account to tell them.   They have now asked for a screenshot of me removing the Macbook from my Apple account, how can I provide a screenshot of an action, one that I've already performed too?   I sent a screenshot of my current devices that are registered to my account, however I can see this running as I purchased a replacement Macbook from another store and it has the same name as the returned one, I am concerned as I have an outstanding balance on my account and am being asked for payment.   There appears to be no method of talking to anyone useful at very.co.uk or of getting anything resolved very easily, they do not appear to have a complaints phone number and only provide a couple of options for complaint subjects online 'Warranty complaint', 'PPI complaint', pr Insurance', I would have thought they were obliged to provide better access than that for customers?   Has anyone had experience of dealing with very.co.uk? what's the best way I can get this resolved?    Can they recharge me for a product that I have returned, and that is faulty?   What can I do if they refuse to accept the screenshot I supplied as proof that I have removed the machine from my Apple account?
    • theft/ GBH/ inciting hate / selling coke to minors - probably out.    parking offences, less problematic.   but there are no absolutes.    
    • In theory you could certainly claim for the value of the improvement but it gets complicated.  You must certainly give notice of any work to be carried out and best to get two quotes.   Lots of time-consuming stuff
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    • Hi,  
      I was in Sainsbury’s today and did scan and shop.
      I arrived in after a busy day at work and immediately got distracted by the clothes.
       
      I put a few things in my trolley and then did a shop.
      I paid and was about to get into my car when the security guard stopped me and asked me to come back in.
       
      I did and they took me upstairs.
      I was mortified and said I forgot to scan the clothes and a conditioner, 5 items.
      I know its unacceptable but I was distracted and Initially hadn’t really planned to use scan and shop.
       
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      He looked at the CCTV and because I didn’t try to scan the items he was phoning the police.
       
      The cost of the items was about £40.
      I was crying at this point and told them I was a nurse, just coming from work and I could get struck off.
       
      They rang the police anyway and they came and issued me with a community resolution notice, which goes off my record in a year.
      I feel terrible. I have to declare this to my employer and NMC.
       
      They kept me in a room on my own with 4 staff and have banned me from all stores.
      The police said if I didn’t do the community order I would go to court and they would refer me to the PPS.
       
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      Thanks for reading 
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alecg2009

Help!!!! advice re- Welcome

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Hello all, I have only just joined the forum and slowly trying to find my way around. I did post this elsewhere but was advised to start my own thread so that it does not get lost! It's to do with Welcome!

 

I have been with Welcome for many years and always paid them on time, never missing a payment. I am now into my 3rd car which I have had for almost 2 years now. Was paying £420 pm over 4 years with them but I lost my job last summer and am still unemployed. Each new agreement I was told I had to take PPI which I accepted. I left my job voluntarily.

 

I contacted them and was offered a re-write in October last year which has reduced my monthly payment to £227 pm as a fixed-sum loan agreement. This is to be paid back over 72 months @ 12.96 APR. I am sure that each of my previous agreements have consisited of a £75 acceptance fee being added but not as a seperate one-off payment but don't have my old agreements to check. There is no PPI with this re-write!

 

On my re-write I have the following;

 

Total charge for credit [consisting of] £16,346.56 [o+p] - o being the acceptance fee of £75 and p being the interest charge of £16,271.56.

 

I have only just started to read the post on Welcome that is now running onto 204 pages but I am lost with it all and wish I had picked up/joined much sooner!! But damage is done!

 

I have done my best to keep up with payments - not missed one since stupidly signing the re-write agreement but I am really struggling to keep these payments going given I am only receiving JSA and wondered what my options are?

 

I have only recently joined the forum so please go easy on me! Yeah, I know I am probably a fool etc etc but really need some advice on how best to proceed with this. Bankruptcy is not an option for me as it's a route I do not want to go down!

 

Any help would be appreciated!

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You should start a dispute with Welcome claiming back all your penalty charges and missold PPI.....a SAR might be a good place to start

 

The Consumer Forums - Debt collectors


PLEASE NOTE - I am not a legal expert, what is stated is my own opinion and from what I have learnt from this forum and my own experiences.

 

DEBT COLLECTION LETTER/SAR/AGREEMENT TEMPLATES ARE HERE - http://www.consumeractiongroup.co.uk/forum/content.php?65-legislation

 

IF WE HAVE BEEN HELPFUL -PLEASE, PLEASE, PLEASE GIVE A DONATION TO HELP US TO CONTINUE HELPING YOU

 

I AM HAPPY TO RECEIVE PM's AND I WILL RESPOND IF I FEEL I CAN ASSIST BUT WHEN YOU DO CAN YOU PLEASE PROVIDE A LINK TO YOUR THREAD ON WHICH YOU WOULD LIKE ME TO COMMENT - THANK YOU

 

IMPORTANT - If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.

Before you decide,consider the users here who have already offered help and support.

Private message facilities are offered for users to communicate issues that are/or could be seen to be inappropriate for posting on the main forum.Site rules explain this in more detail.

If you are approached by private message with a view to asking you to visit another website,please inform the site team via the report icon.

 

Forum rules - http://www.consumeractiongroup.co.uk/forum/forum-rules-please-read/9-forum-rules-please-read.html

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Also it would seem you are STILL paying for the PPI ? stop this immediately and get a refund.....


PLEASE NOTE - I am not a legal expert, what is stated is my own opinion and from what I have learnt from this forum and my own experiences.

 

DEBT COLLECTION LETTER/SAR/AGREEMENT TEMPLATES ARE HERE - http://www.consumeractiongroup.co.uk/forum/content.php?65-legislation

 

IF WE HAVE BEEN HELPFUL -PLEASE, PLEASE, PLEASE GIVE A DONATION TO HELP US TO CONTINUE HELPING YOU

 

I AM HAPPY TO RECEIVE PM's AND I WILL RESPOND IF I FEEL I CAN ASSIST BUT WHEN YOU DO CAN YOU PLEASE PROVIDE A LINK TO YOUR THREAD ON WHICH YOU WOULD LIKE ME TO COMMENT - THANK YOU

 

IMPORTANT - If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.

Before you decide,consider the users here who have already offered help and support.

Private message facilities are offered for users to communicate issues that are/or could be seen to be inappropriate for posting on the main forum.Site rules explain this in more detail.

If you are approached by private message with a view to asking you to visit another website,please inform the site team via the report icon.

 

Forum rules - http://www.consumeractiongroup.co.uk/forum/forum-rules-please-read/9-forum-rules-please-read.html

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Thanks for the link and will send the necessary letter to them! Bit lost on what you mean by still paying ppi?

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Are you still paying withing your monthly payments, the payment protection insurance ? If you havent cancelled it already, do it now, and then submit a subject access request to them at their complaince address in nottingham. Thats what I did and am still fighting them, any help I can give to you, I will do.

 

This is the initial letter I used :

 

 

 

Welcome Finance

Mere Way

Ruddington Fields Business Park

Ruddington

Nottingham

NG11 6NZ

DATA PROTECTION ACT 1998

SUBJECT ACCESS REQUEST

Dear Sirs,

Re: Account Number(s) xxxxxxxxxxxxxxx

I understand that you currently hold details of my personal and financial information within your internal record systems with regard to my Loan Account(s).

Please supply me with a complete list of transactions and charges relating to the history of my loan(s) with your organisation. Alternatively a complete set of statements for the loan account(s) is acceptable. I would be grateful if you would provide the following for all loan account(s) I have held with your organisation (including but not limited to):

· Full copies of all contracts which you believe exist or have existed between myself and your organisation, including true copies of any documents you hold in support of the same.

· A complete list of all transactions or statements relating to all my Loan Accounts with your organization.

· Copies of all documents which include any of my personal information including copies of any contacts or invoices, emails or computer records containing my personal information, or any records which pertain to me.

· Full copies or transcripts of any correspondence in postal, email or any other format which you have entered into with any individual, organisation or third party which contains my personal or financial information, or which pertains to hime.

· Where any previous information or records held have been deleted or disposed of, the methods used to do so, including dates, certificates or references confirming details of destruction. Where you are unable to provide such certificates, please provide a declaration, signed by an authorized officer of your company, confirming the dates and methods of destruction of this data.

· Full hard copy print outs of my personal or financial information, held in a digital, magnetic or any other format which is held in any archives, backups or other storage devices / locations.

I enclose a cheque in the sum of £10.00 to cover your fee and request that this is acknowledged by way of a receipted invoice. You have 40 days in which to comply under section 7(10) of the Data Protection Act 1998.

IF YOU ARE UNABLE TO DEAL WITH THIS REQUEST, YOU SHOULD IMMEDIATELY FORWARD IT TO THE PERSON WITHIN YOUR ORGANISATION RESPONSIBLE FOR DATA PROTECTION.

Yours Sincerely

Mr/Mrs Tba - please do not sign your name, only print it !!!

They have 40 days to respond to this for you. I would also send them a section 77 request in the same envelope which costs £1.00. This asks them for any true executed agreements signed by both them and for you, to be sent within 12 working days. Failure by them to do so results in them being in default.

If you need anymore help, just give one of us a shout

xxx :D


Forsure

 

** One woman crusade against the rip off lenders ! **

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I also meant to say, please address your complaint to the compliance dept. Lettersn sent to Welcoem have a nasty habit of not turning up and getting lost in the post - always send by recorded / special delivery, and keep copies of everything you send to them :grin:


Forsure

 

** One woman crusade against the rip off lenders ! **

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Thanks for your response! Was going to send the SAR to the branch but will now send it to Nottingham instead! The re-write I mention above does not have ppi!

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Send all letters by SPECIAL delivery, NOT recorded.

 

SAR costs £10. Send postal order, not cheque. Make clear the SAR relates to the currently AND ALL PREVIOUS AGREEMENTS.

 

Also send CCA disclosure demand, relating to all previous accounts as well, with £1 postal order each, for each agreement.

 

We need to know how much you have spent on PPI for all the agreements and claim that back.


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

:!: All the information I impart is my advice based on my experience. It does not constitute professional advice. If in doubt, always consult with a professional. :!:

 

:-) If you feel my post has been helpful, please click my scales. :-)

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subbing... :)


-

PLEASE NOTE - I am not a legal expert, my comments are based on information learnt or

obtained and from my own experiences.

-

Case 1 - C L Finance - Court Case 'Stayed' :-). Stay Lifted - N149 AQ Received & Filed. Case Struck Out :grin:

-

Case 2 - C L Finance - Defence Filed. N150 AQ Received & Filed. Case 'Settled by Consent' :)

-

Case 3 - EOS Solutions - No Agreement - Account Closed ~£3500. :grin:

-

Advice & opinions offered freely but informally, without prejudice & without liability.

Use your own judgment and seek advice from a qualified and insured professional if you have any doubts.

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Send all letters by SPECIAL delivery, NOT recorded.

 

SAR costs £10. Send postal order, not cheque. Make clear the SAR relates to the currently AND ALL PREVIOUS AGREEMENTS.

 

Also send CCA disclosure demand, relating to all previous accounts as well, with £1 postal order each, for each agreement.

 

We need to know how much you have spent on PPI for all the agreements and claim that back.

 

Thanks for this I will get it all posted today! My only concern is that I have no real concrete evidence to say they left me with no choice to take ppi - their word against mine!

 

In the meantime is it reasonable to request a 50% reduction in my monthly payments due to me being unemployed [the £227 month is stretching me and i'm relying on family to help me elsewhere] or should I continue with this while I seek info via SAR and CCA?

 

Thanks

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subbing... :)

No need to type anything in order to subscribe to the thread. You can select "Thread Tools" at the top right of the first post on each page of the thread and then "Subscribe to this Thread".


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

:!: All the information I impart is my advice based on my experience. It does not constitute professional advice. If in doubt, always consult with a professional. :!:

 

:-) If you feel my post has been helpful, please click my scales. :-)

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Thanks for this I will get it all posted today! My only concern is that I have no real concrete evidence to say they left me with no choice to take ppi - their word against mine!

 

In the meantime is it reasonable to request a 50% reduction in my monthly payments due to me being unemployed [the £227 month is stretching me and i'm relying on family to help me elsewhere] or should I continue with this while I seek info via SAR and CCA?

 

Thanks

It's reasonable to ask for whatever you want but unfortunately they are not obligated to agree and they are having a lot of problems :D at the moment, so unlikely to agree.

 

Don't worry about the PPI claim at the moment. Make the SAR & CCA requests and then we'll deal with it. My guess is that they won't comply with either request anyway.

 

When you send them, address them to the "Compliance Department" and send them to the registered office.

  • Haha 1

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

:!: All the information I impart is my advice based on my experience. It does not constitute professional advice. If in doubt, always consult with a professional. :!:

 

:-) If you feel my post has been helpful, please click my scales. :-)

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No need to type anything in order to subscribe to the thread. You can select "Thread Tools" at the top right of the first post on each page of the thread and then "Subscribe to this Thread".

 

Thanks for that LP, still learning lol.... :cool:


-

PLEASE NOTE - I am not a legal expert, my comments are based on information learnt or

obtained and from my own experiences.

-

Case 1 - C L Finance - Court Case 'Stayed' :-). Stay Lifted - N149 AQ Received & Filed. Case Struck Out :grin:

-

Case 2 - C L Finance - Defence Filed. N150 AQ Received & Filed. Case 'Settled by Consent' :)

-

Case 3 - EOS Solutions - No Agreement - Account Closed ~£3500. :grin:

-

Advice & opinions offered freely but informally, without prejudice & without liability.

Use your own judgment and seek advice from a qualified and insured professional if you have any doubts.

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Request letters sent but in meantime I have managed to find my previous agreement before the re-write and wondered if anyone can make some sense of it for me? APOLOGIES FOR THE LONG POST and hope it makes sense!

 

It was taken out in July 2007 and the re-write started in November 2008. I basically want to know if some of these figures are flawed in some way. If they are I wish to take this all way. PLEASE HELP!

 

I will try and scan up my agreement for 2007 in due course but in meantime the info is as follows;

 

Key finance info [48 months @£420.22 and APR of 7.7%

]

a]Amount of credit for goods...........£12,794.00 [P-U]

b]Amount of credit for insurance......£3,594.09 [Q]

c]Amount of credit for insur/goods...£16,388.09 [A+B]

d]Amount of credit for re-financing..£1,000.00

e]Total amount of credit................£17,388.09 [C+D]

 

f]Total amount payable for goods...£14,841.12 [A+U+X]

g]Total payable for insurances.......£4,169.28[Q+Y]

h]Total amount for re-financing.....£1,160.16 [D+Z]

i]Total amount payable................£20,170.56 [F+G+H]

 

Other Finance info

 

Insurances

j]PPI...........................£2,744.09

k]Mech breakdown........£500.00

l]Emergency recov........NIL

m]Shortfall extra ins......££350.00

n]Other insurance.........NIL

o]Other insurance.........NIL

 

p]Cash price goods.......£12,794.00

q]Total cash for ins......£3,594.09 [J to O inclusive]

r]Total cash price........£16,388.09 [P+Q]

 

s]Deposit...................NIL

t]PX allowance...........NIL

u]Total deposit..........NIL

 

v]Acceptance fee......NIL

w]Fin char for goods..£2,047.12

 

x]Char for cred for goods...........£2,047.12 [V+W]

y]Char for cred for insurances....£575.19 [Y]

z]Char for cred for re-financing..£160.16 [Z]

Total charge for credit.............£2,782.47 [X+Y+Z]

Rate of interest per annum.......4.00%

 

I had 12 months left of a car agreement from 2004 of which I was paying £220 per month when I traded the car in for the above!

 

I have never missed a payment of £420 from July 2007 through to October 2008. 15 months @ £420.22 before getting my re-write agreement in November of 2008.

 

On my re-write I have the following;

 

Total charge for credit [consisting of] £16,346.56 [o+p] - o being the acceptance fee of £75 and p being the interest charge of £16,271.56.

 

Thank you for taking the time to read this, I really need some help here while I wait for the info to arrive from WF.

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