Jump to content

You can now change your notification sounds by going to this link https://www.consumeractiongroup.co.uk/index.php?/&app=soundboard&module=soundboard&controller=managesounds

 

You can find a library of free notification sounds in several places on the Internet. Here's one which has a very large selection https://notificationsounds.com/notification-sounds

 

 

BankFodder BankFodder

 

BankFodder BankFodder


wend969

Help re welcome finance

style="text-align:center;"> Please note that this topic has not had any new posts for the last 4083 days.

If you are trying to post a different story then you should start your own new thread. Posting on this thread is likely to mean that you won't get the help and advice that you need.

If you are trying to post information which is relevant to the story in this thread then please flag it up to the site team and they will allow you to post.

Thank you

Recommended Posts

My husband got finance for a car through welcome finance in 2006, 1 month after getting the car he lost his job, so we asked welcome to take the car back as we couldn't afford the payments, they took over a year to take the car back, threatening us with court action in the meantime. After they had taken the car back we didn't here from them for another year, then last year my husband started getting phone calls from them and letters demanding the money, which they had only reduced by £2500, when the car was £5000 when he bought it.

 

He now has a ccj against him and has to pay £30 a money with a balance of £7095.62. Before the judgement we had asked for a copy of the aggreement and a statement as we had lost the original, we received a statment but no aggreement.

 

Is it too late to ask for the aggreement again and if they haven't got it could he get the ccj removed or stop making payments?

 

Also a couple of months ago he instructed a company called unfair credit direct who guaranteed that the they would find that the aggreement was unfair, he paid them £100 and was due to pay them another 4 instalments of £100, but due to financial reasons he hasn't been able to pay the other 4 instalments, they still haven't done anything even though they have had £100 off him, can he claim the £100 back off them or not.

 

Thanks for your help

Share this post


Link to post
Share on other sites

as there is already a CCJ, you need to get that set aside before you can look into IF the agreement is enforceable.

 

dx


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

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s would collapse overnight.

 

 

Share this post


Link to post
Share on other sites

How would he get the ccj set aside?

Share this post


Link to post
Share on other sites
Also a couple of months ago he instructed a company called unfair credit direct who guaranteed that the they would find that the aggreement was unfair, he paid them £100 and was due to pay them another 4 instalments of £100, but due to financial reasons he hasn't been able to pay the other 4 instalments, they still haven't done anything even though they have had £100 off him, can he claim the £100 back off them or not.

 

These companies are a con in all the financial spheres they operate. They also claim they can get rid of ccj's on credit records etc; but they can't. You will find it almost impossible to get a refund so should not pay any further and put the £100 down to experience.

Share this post


Link to post
Share on other sites

Please can someone help me further with this, it would be greatly appreciated. Thanks

Share this post


Link to post
Share on other sites

http://www.consumeractiongroup.co.uk/forum/legal-issues/178766-could-i-get-3-a.html

 

 

the more you read the strong you become

 

dont forget the search in the blue bar above

dx

  • Haha 1

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

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s would collapse overnight.

 

 

Share this post


Link to post
Share on other sites

As far as the CCJ goes, I am sure others will come along to help you in more detail.

 

I would first recommend sending a CCA demand - for a copy of the Consumer Credit Agreement - and a separate SAR (Subject Access Request) for full details of the matter.

 

I would also write to the County Court where the Judgment was obtained for a full breakdown of the case and copies of all documents if you don't have it. You can find the address and telephone numbers of the court on The requested resource (/HMCSCourtFinder/tiles/Her Majesty's Courts Service - Court Information and Addresses) is not available

 

For the CCA request you will need to pay £1 by postal order (do NOT send a cheque). For the SAR request you will need to pay £10 by postal order (again, do NOT send a cheque). Send both by Royal Mail SPECIAL Delivery (not Recorded Delivery).

 

Do NOT talk to them on the phone. If they call hang up. If they write to you, write or fax back that you are intending to get the Judgment set aside and are sending them a CCA disclosure demand & SAR. If they knock at your door, do NOT open the door and advise them through the keyhole that you are sending them a CCA disclosure demand & SAR and getting the Judgment set aside.

  • 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. :-)

Share this post


Link to post
Share on other sites

any further help on the ccj set aside how to do it please. Thanks

Share this post


Link to post
Share on other sites
any further help on the ccj set aside how to do it please. Thanks

Personally I'd recommend doing the SAR & CCA requests first, so you have ammunition for the set aside.

 

You have to get a copy of the claim form with Particulars of Claim first as well so you have valid reasons to contest it.

 

An Application to Set Aside would not solely be granted on the basis of not receiving the claim form. You need ammunition for the defence. You can make an Application to Set Aside on form N244 without the ammunition but it will go to a hearing where you are likely to lose as you haven't got the ammunition to have reasonable prospects of success in defending the claim.

 

So get the ammunition first. When you have the agreement and statements - or they don't comply - and you have the Particulars of Claim, post it all up here - minus confidential details - and I'll try to help you. If I can't I'll call in the cavalry.


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

:!: 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. :-)

Share this post


Link to post
Share on other sites

Thanks for all your help, is there anywhere i can get a subject access request template letter from? I've got a copy of the other. Thanks again

Share this post


Link to post
Share on other sites
Thanks for all your help, is there anywhere i can get a subject access request template letter from? I've got a copy of the other. Thanks again

Visit Letters - Consumer Wiki - the Consumer Wiki of CAG.


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

:!: 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. :-)

Share this post


Link to post
Share on other sites
I must admit that i have used unfair credit direct for 2 of my credit cards. One has been written off and the other is with a team of Barristers in Brighton that are now acting for no further charge as they work with Unfair Credit Direct.

 

I can only think that if you paid £100 to them and they started the work for you and then they incurred costs they would be quite right to keep the £100 as you would not expect them to act for nothing.

 

My cousin also used them but when the credit agreement came back it was a different year to what she had initially told them and when they saw the agreement they could not help and refunded the money she had paid.

 

This is a top company, whom if you check them out properly have an excellent track record.

 

I dare say they cannot help everyone but i would certainly reccomemnd them.

 

I hope this helps in some way to let people know this definatley works.

 

Lets face it if somebody said 2 years ago you can write to your bank and get your money back they would have probably got them an ambulance

Note that DEBTFREEMAN's first post is the above. I wouldn't be surprised if he is this company and this is an advertising message. I suggest he be ignored and barred from CAG.


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

:!: 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. :-)

Share this post


Link to post
Share on other sites

I don't think it is slanderous as it is true....


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

Share this post


Link to post
Share on other sites

In all honesty this is not helping the OP so maybe you should just out your 'hurt' feelings aside - the main point about this is Welcome Finance so if you can help with them please do so otherwise maybe try and assist on other more relevant threads.

Share this post


Link to post
Share on other sites
In all honesty this is not helping the OP so maybe you should just out your 'hurt' feelings aside - the main point about this is Welcome Finance so if you can help with them please do so otherwise maybe try and assist on other more relevant threads.

Seconded.


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

:!: 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. :-)

Share this post


Link to post
Share on other sites

Motion carried :p

Share this post


Link to post
Share on other sites

In the meantime Wend I concur with the above - if you get a copy of SAR and CCA then if there is something inherently wrong getting the CCJ put aside would be ALOT easier - do you know if this included insurances of any kind??

Share this post


Link to post
Share on other sites

The type of activity that the company mentioned earlier are undertaking requires a licence. The activity falls under the OFT's definition of 'high-risk', which means that applicants must pass a competence test and may be inspected by Trading Standards. This company does not have a Consumer Credit licence, and i can't see any pending application.

 

By operating a business that requires a Consumer Credit licence, they are committing a criminal offence.

 

This comment earlier is quite clearly touting for business.

 

"I must admit that i have used unfair credit direct for 2 of my credit cards. One has been written off and the other is with a team of Barristers in Brighton that are now acting for no further charge as they work with Unfair Credit Direct".


Some useful links.

FAQ's

Making Posts

Letter Template Library

Bank Contact Details

AQ Guide to Completion

Court Fees

Data Protection non Compliance

Witness Statements for Court Bundle

Banking Code Website

Limitations Act

Fast Track Costs

A-Z Index

Mis-Claim Tutorial

Step By Step Instructions

 

Remember: The Ark was built by amateurs-The Titanic by professionals.

 

Please click my scales if you find my advice helpful !

 

If your claim is successful, please donate 5% so that it can continue to help others.

 

Your decisions and actions are your own, and should you be in any doubt, please seek qualified professional legal Help.

 

WARNING TO ALL

Please be aware of acting on advice given by PM .Anyone can make mistakes and if advice is given on the main forum people can see it to correct it ,if given privately then no one can see it to correct it. Please also be aware of giving your personal details to strangers

 

HAVE YOU BEEN TREATED UNFAIRLY BY CREDITORS OR DCA's?

 

YOU CAN NOW COMPLAIN TO THE OFT ABOUT THEIR CONDUCT UNDER THE CONSUMER PROTECTION FROM UNFAIR TRADING REGULATIONS 2008.

Share this post


Link to post
Share on other sites
The type of activity that the company mentioned earlier are undertaking requires a licence. The activity falls under the OFT's definition of 'high-risk', which means that applicants must pass a competence test and may be inspected by Trading Standards. This company does not have a Consumer Credit licence, and i can't see any pending application.

 

By operating a business that requires a Consumer Credit licence, they are committing a criminal offence.

 

This comment earlier is quite clearly touting for business.

 

"I must admit that i have used unfair credit direct for 2 of my credit cards. One has been written off and the other is with a team of Barristers in Brighton that are now acting for no further charge as they work with Unfair Credit Direct".

Actually, assisting to write off a balance is Claims Management activities and for such they would need a licence from the Ministry of Justice - Claims Management Regulation, Monitoring & Compliance Unit. Unfortunately, they are registered - see CMR: Claims Management Regulation

 

It's a trading name of Individual Credit Solutions Limited. And for debt management plans they need a Consumer Credit Licence. I don't know where you searched, but I just searched the register at Public Register for "Individual Credit Solutions" and in the trading name for "Unfair Credit Direct" and found them with a pending licence.

 

I don't mean to defend them and it could well be they are acting illegally in their behaviour and it definitely seems that DEBTFREEMAN probably joined just to defend them, but at least thoroughly search and check the rules before posting.


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

:!: 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. :-)

Share this post


Link to post
Share on other sites

Debtfreeman was touting no doubt. I have checked out the website and it just mentions the Ministry of Justice. No other registration details. Thanks for letting us know.


Some useful links.

FAQ's

Making Posts

Letter Template Library

Bank Contact Details

AQ Guide to Completion

Court Fees

Data Protection non Compliance

Witness Statements for Court Bundle

Banking Code Website

Limitations Act

Fast Track Costs

A-Z Index

Mis-Claim Tutorial

Step By Step Instructions

 

Remember: The Ark was built by amateurs-The Titanic by professionals.

 

Please click my scales if you find my advice helpful !

 

If your claim is successful, please donate 5% so that it can continue to help others.

 

Your decisions and actions are your own, and should you be in any doubt, please seek qualified professional legal Help.

 

WARNING TO ALL

Please be aware of acting on advice given by PM .Anyone can make mistakes and if advice is given on the main forum people can see it to correct it ,if given privately then no one can see it to correct it. Please also be aware of giving your personal details to strangers

 

HAVE YOU BEEN TREATED UNFAIRLY BY CREDITORS OR DCA's?

 

YOU CAN NOW COMPLAIN TO THE OFT ABOUT THEIR CONDUCT UNDER THE CONSUMER PROTECTION FROM UNFAIR TRADING REGULATIONS 2008.

Share this post


Link to post
Share on other sites
Guest DEBTFREEMAN

I am not touting for anybody but i would just like to say that this site thinks its the bees knees but realisticaly i have not seen any concrete proof from anyone that you actually know what you are talking about. Believe it or not there are thousands of pounds getting written off by companies like Ratio money, Cartel review whom are a PLC company and many others. Anyone giving false advice is ignorant to the fact that the Ministry of justice would revoke any license on a firm whom claims to write debt off and then cons people out of money. Think about it, thousands of people cant be wrong, unless they listen to people like you

Share this post


Link to post
Share on other sites
I am not touting for anybody but i would just like to say that this site thinks its the bees knees but realisticaly i have not seen any concrete proof from anyone that you actually know what you are talking about. Believe it or not there are thousands of pounds getting written off by companies like Ratio money, Cartel review whom are a PLC company and many others. Anyone giving false advice is ignorant to the fact that the Ministry of justice would revoke any license on a firm whom claims to write debt off and then cons people out of money. Think about it, thousands of people cant be wrong, unless they listen to people like you

 

This site IS the bees knees as you so very kindly put it.....If it wasnt for this site, thousands of poor innocents would still be getting screwed over. I can only assume you are an employee, ex empolyee or someone who simply wants to have a go. I take it as you think this site is ' no good ', you will not be paying us a repeat visit, and will go and take your opinions elsewhere, and leave those who do wish to avail of this site and its very useful and beneficial advice, to themselves

 

Apologies if you are not though ! :lol:


Forsure

 

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

Share this post


Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    No registered users viewing this page.


  • Have we helped you ...?


×
×
  • Create New...