Jump to content


  • Tweets

  • Posts

    • “If Trump’s stock in Truth Social, his company, drops any lower, he might do better under my tax plan than his.” — President Biden, while pitching his plan for higher taxes on the rich in Scranton, Pennsylvania LOL   Does seem that way HB - all the little trumpies throwing their money away while 'larger players' milk them by 'shorting it seems     I'm waiting for it to drop below $20 before investing ... .. some more chortles  
    • Clyde Valley Housing Association have received the following reprimand because of an infringement that occurred in July 2022 when they released a new customer portal. This portal included personal data of data subjects and residents found they were able to view personal information such as names and addresses about other residents. A resident reported this to Clyde Valley Housing Association, however this concern was not escalated appropriately which led to data remaining viewable on the portal for a further 5 days until further residents reported the issue and Clyde Valley Housing Association suspended the portal.View the full article
    • It's mostly small investors, isn't it, TJ? I don't think Wall Street and institutions have bought into Truth Social. Much like US banks don't want to lend to him, I'm reading.
    • Looking on their website I would of thought that a Life interest trust would of been set up, and they state:   "A life interest trust  (also known as possession trusts or interest in possession trusts) be used for preserving assets for the next generation whilst providing a benefit for the current generation. For example, if your home is placed into a life interest trust, then the person with this interest can continue to live there until their death. The house would then be distributed in line with your Will." & A trust can be created in your lifetime, which is to take immediate effect (often referred to as a “lifetime settlement”), or it can be created on death through your Will (known as a “Will Trust”).
    • “If Trump’s stock in Truth Social, his company, drops any lower, he might do better under my tax plan than his.” — President Biden, while pitching his plan for higher taxes on the rich in Scranton, Pennsylvania   LOL Hit $26 and likely temporarily bounced back a bit to 27 dollars - from $78 - still a good return on MHA (malodorous hot air)   Wonder whos making the money off this ponzi looking scheme share price colapse?
  • Recommended Topics

  • Our picks

    • If you are buying a used car – you need to read this survival guide.
        • Like
      • 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
        • Like
      • 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

Welcome Car Finance


kregrs
style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 5469 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

I took out a secured loan with Welcome in Jan 04, lost my job in Apr 04 and was told I couldn't claim on PPI. Loan was paid off early in Aug 04 due to remortgage. I understand I can claim back the PPI cost, as I remember being told I had to have the PPI or no loan, is there a rough timescale, from start to finish, of claiming it back? The loan was for £2500, over 3yrs if thats any help.

Link to post
Share on other sites

Just a quick question. My ex partner and I took out some finance with Welcome last feb (08), and after signing the paperwork in the dealers office, was a local dealer and nothing to with welcome, the page with the sigs on was faxed to Welcome in order for them to authorise us taking the car, then the actual paperwork was posted to them.

Now, the paperwork we got through the post relating to the agreement, and subsequent requests,have all been copies of the faxed page, complete with date of the fax transmission, we never got to see actual copies of the originals, just the fax, almost as if the originals were lost in the post, or not posted at all!

Is there anything wrong with this? Numerous times in the past I've asked for a copy of the documents, not the fax, but no luck so far.

Link to post
Share on other sites

how did you req it?

 

was it thru cca request or just asking for it?

 

ida x

Please contact a member of the site team if you are offered help off the forum for a a paid or no win no fee service.

 

Please consider making a small donation to help keep this site running

Click here to donate through PayPal (opens in a new window)

Link to post
Share on other sites

Hello kregrs,

 

I took out a secured loan with Welcome in Jan 04, lost my job in Apr 04 and was told I couldn't claim on PPI. Loan was paid off early in Aug 04 due to remortgage. I understand I can claim back the PPI cost, as I remember being told I had to have the PPI or no loan, is there a rough timescale, from start to finish, of claiming it back? The loan was for £2500, over 3yrs if thats any help.

 

I managed to claim back to 1997 but against RBS and Direct Line Financial Services. Not sure how you will stand with Welcome but I would send a Subject Access Request to get all of your information and take it from there.

 

Please see these links which may help you decide on a course of action.

 

For claims before 2005 and the FSA ruling from which campaign

How to tell if you’ve been mis-sold PPI

 

Quick check: were you mis-sold? - How to tell if you’ve been mis-sold PPI

 

Another useful site to help you reclaim missold PPI UPDATED 16 JUN 08

Reclaim your PPI premiums - payment protection insurance | This is Money

 

Another Useful article on Single Premium PPI and why the FSA say it was unfair.

Payment protection insurance (PPI) – Refunds of single premiums : FSA Money made clear – Unfair contracts

I have no legal training and the advice I offer is a matter of support. Before you commit to any Legal action you are advised to contact a qualified legal practitioner.

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

Bank charge successes:

Halifax - Full settlement incl interest.

HSBC - Settlement, goodwill no admission of liability about 75% of claim.

RBS - Settlement, goodwill no admission of liability about 70% of claim.

2 ongoing claims for bank charges with HSBC with more to come. (Supreme Court ruling could have upset these claims) They did :mad:

PPI Successes

PPI 4 settlements on 9 loans. FOS involvement on 7 added on the 8 % Statutory interest another 30% to both.

2 claims settled in full with LV without FOS involvement.

2 claims settled in full with HSBC without FOS involvement

 

PPI Claims ongoing with:

Cap one Now with the FOS

Barclays. Paid up today 24/04/10 cheque received for over £4,500 and in the bank.

LTSB still have to decide on this as their SAR production was abysmal. Papers data mixed up documents missing etc

 

1 Complaint not upheld by FOS they said it was ICO issue. Complaint upheld by ICO. See this..

Post 290 from

***RBS PPI Claim Long fight but, WON***

 

Please do not PM me for advice as it may be sometime before I can respond.

 

Keep at them. Do not give way and do not accept all they tell you, they will delay and stall for as long as they can to prevent repaying you your mis-sold PPI.

 

Link to post
Share on other sites

Will look into it, but what would be the outcome if I asked them to disclose it, and yet again they supplied the fax copy? I remember asking, on the phone to them once, for a copy of the agreement and not the fax copy they'd sent me, and still all I received was the fax copy.

Link to post
Share on other sites

  • 2 weeks later...

Well, now have the agreement to hand, after simply calling in to their office and asking for it. The element I'd been concerned about, as in the fax copy, after looking at it again, seems that we never could have signed an original copy, as the piece of paper with our sig's on, while being a fax copy, is actually dated from 2 weeks before we signed it! So I'm guessing that maybe the original was never to hand when we signed.

So I guess this disclosure thing might be a good idea???

Link to post
Share on other sites

  • 2 weeks later...

Quick question. If all goes to plan and the agreement is declared unenforceable, what happens to the car? If I get to keep it, could I get it removed from the HPI register?

Link to post
Share on other sites

Correct but labour disgracefully, & at the behest of their friends in the city, still revoked 127 claiming it was a breach of the creditors human rights. They forgot one thing (or should I say deliberately overlooked it) a firm does not have human rights only an individual

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...