Jump to content


  • Tweets

  • Posts

    • Firstly, I would like to thank everyone for their help in this matter. Since my last post I have received a reply from Plymouth Council Insurance Team concerning my wife’s accident (please see enclosed letter and photo of the offending Badminton post) which they deny any responsibility for the said accident. I feel that the Council is in breach of their statutory duties under the following acts: The Leisure Centre was negligent in its duty of care and therefore, in breach of the statutory duty owed under section 2 of the Occupiers’ Liability Act 1957. Health and Safety at Work Act 1974 (the Act) to ensure, so far as is reasonably practicable, the health, safety and welfare at work of all their employees, and others who might be affected by its undertaking, e.g. members of the public visiting the Leisure Centre to use the facilities. The Management of Health and Safety at Work Regulations 1999 that requires employers to assess risks (including slip and trip risks) and, where necessary, take action to address them. The Provision and Use of Work Equipment Regulations (PUWER) require the risk to people’s health and safety from equipment that is used at a Leisure Centre be prevented or controlled. I would like some advice to see if my assumptions are correct and my approach to obtaining satisfactory outcome to this matter are accurate. Many thanks   PLM23000150 - Copy Correspondence.pdf post docx.docx
    • Talking to them does not reset the time limit, although they will probably tell you it does, they'd be lying. Dumbdales are the in-house sols for Lowlife, just the next desk along. If Lowlifes were corresponding with you at your current address then Dumbdales know your address. However, knowing that they are lower than a snake's belly, you would be well advised to send them a letter, informing them of your current address and nothing else. Get 'proof of posting' which is free from the PO counter, don't sign it, simply type your name. That way then they have absolutely no excuse for attempting a back door CCJ.   P.S. Best course of action, IGNORE them, until or unless you get a claim form......you won't.
    • A 'signed for' Letter of Claim has been sent today so they have 14 days from tomorrow... Lets wait and see what happens but i suspect judging by their attitude they wont reply 
    • I am extremely apprehensive about burning our files.... I do not know why, so it is becoming an endless feedback loop. Scared to pull the trigger to speak in the desire not to mess up my file. 
    • Hi All, So brief outline. I have Natwest CC debt £8k last payment i made was 7th November 2018 Not a penny since. So coming up to the 6 year mark. Can't remember when i took out the  credit card would be a few years before everythign hit the fan. Moved house 2020 - updated NatWest as I still have a current account with them. Then Lowells took over from Moorcroft and were writing to me at my current address. I did get a family member to speak to them 3 years ago regarding the debt explained although it may be in my name I didn't rack it up then went contact again. 29th may received an email from overdales saying they were now managing the debt. I have not had any letter yet which i thought is odd?  Couple of questions 1. Does my family member speaking to lowell restart statute barred clock? 2. Do you think overdales aren't writing to me because they will back door CCJ to old address even though Lowells have contacted me at current address never at previous? ( have no proof though stupidly binned all letters  ) Should I write to them and confirm my address just incase? Does this restart statute barred clock? 3. what do you think best course of action is?   Any help/advice is appreciated I am aware they may ramp up the process now due to 7th December being the 6 year mark.   Many Thanks in advance! The threads on here have been super helpful to read.  
  • Recommended Topics

  • 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
  • Recommended Topics

Please help me-Long posting re: Welcome Finance Loan Agreement


m2000
style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 4200 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

Hi Postggj,

 

How are things?

 

Bank rang me back today, the cheque was definetly paid in over the counter on Monday 1st October 2007. They will send me a copy of the paying in slip in question :-)

 

Thanks M2000

Link to post
Share on other sites

  • Replies 226
  • Created
  • Last Reply

Top Posters In This Topic

Top Posters In This Topic

this is great

 

ime putting the final touches to a letter to send welcome on the cancelation rights for a secured loan.

 

ime including the mip as well

as it will be a template

 

just deleate that bit of not needed

Link to post
Share on other sites

  • 3 weeks later...

Hi Postggj,

 

How 'ya doing? Did you ever get round to doing the template letter to Welcome for the issue of lack of cancellation rights etc?

 

 

I have now had 2 late payment makers added by them onto my credit records and I want to put a stop to their hassle and bullying.

 

Thanks again matey

Link to post
Share on other sites

  • 2 weeks later...

Hello,

 

Had another arsey letter from them today demanding that account is brought upto date.

 

Postggj- I know you havnt been online for a while, but I could really use a template letter to send them regarding the cooling off period not been given etc.

 

Sorry to be a pain, but these guys are really stressing me out, constant letters, witheld numbers etc

 

:-(

Link to post
Share on other sites

hi m200

 

long time no see

 

ime still putting the finishing touches to a special template secured loans and welcome are no different to it usual operation

 

cloak and dagger

 

check back tomorow night and ill post one up

 

its just about finished

Link to post
Share on other sites

Hi again Postggj,

 

I am stalking you....hehe

 

Did you get a chance to finalise the template letter for Welcome? I am getting increasing levels of grief from these critters and need to get back in control of the situation. They are sending circa 3 letters a week to me over the lack of payments!

 

Has there been any news on Cattles and what is happening with their business?

Link to post
Share on other sites

hi m200

 

long time no see

 

ime still putting the finishing touches to a special template secured loans and welcome are no different to it usual operation

 

cloak and dagger

 

check back tomorow night and ill post one up

 

its just about finished

 

 

 

Hi Postggj,

 

Hope you are ok?

 

Apologies again for being a right royal pain in the bum, but have you had any chance to do the letter??

 

I have had another letter from them today asking me to contact them as they now consider no complaint is in process and basically pay up...

 

Thanks again

Link to post
Share on other sites

sorry to put this in the wrong place, but new to this and don't know how to start. i think i urgently need postggj's help, or anyones for that matter. have contacted fos, but from what i've read i dont hold much hope. need help checking my agreement, interest rates, payments etc. nothing tallies at all. from what i can figure out the apr on my agreement doesn't match what they have been charging me, plus loads of other stuff. please help

Link to post
Share on other sites

Hi diva start a new thread (use the link below and theres a new thread button under the notices box) scan in all docs u want looking at and upload them using photobucket use the code hope that helps :)

 

Welcome Finance - The Consumer Forums

I am a consumer just like you, please get a second opinion or investigate yourself on anything I advise as I am in no way legally trained. Everything I know has come from the Mighty CAG and fellow CAGGERS. :cool:

 

If I have helped in any way please click my reputation star and make a donation to CAG to enable us all to continue to help each other :cool:

Link to post
Share on other sites

no probs if i can help just shout :)

I am a consumer just like you, please get a second opinion or investigate yourself on anything I advise as I am in no way legally trained. Everything I know has come from the Mighty CAG and fellow CAGGERS. :cool:

 

If I have helped in any way please click my reputation star and make a donation to CAG to enable us all to continue to help each other :cool:

Link to post
Share on other sites

Hello Postggj,

 

I have had another letter from them today, 2nd this week, they are turning up the heat and now talking of getting solicitors involved....

 

Any further advice on how to handle this???

 

thanks

Link to post
Share on other sites

Morning Postggj,

 

Welcoem are turning up the heat somewhat... demanding letters for payment etc.

 

I keep fending them off with the harrassment letters- so not visits as yet.

 

They are adding charges each month and basically want the overdue money now.

 

Did you get time to do a letter?

 

thanks matey

M2000

Link to post
Share on other sites

  • 2 weeks later...
  • 2 weeks later...

Hi Postggj

 

Happy New Year to you and yours!

 

Can I give you a little nudge on this?? (sorry!) I am just waiting for them to pounce on me in the new year, as I imagine they are under a LOT of pressure to bring in funds due to all of their problems!!!

 

I want ato have a letter to send them.... it has all can rather too quiet for my liking!

Many thanks matey

M2000

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...