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    • is the home in joint names but this is solely your debt? need far more history to be able to comment if it's paid off and was not just written of by one partly on their books and sold to anther, thus the cra file says £0. dx
    • So, Sunak has managed to get someone to 'volunteer to go to Rwanda hasn't he? .. for just £3000 payment to the person plus 5 years free board and lodging isnt it? - cost to UK taxpayer over £300M+ (300 million quid+) isnt it? - Bargain says Rwanda, especially with all the profit we made privately selling those luxury chalets Bravermann advertised for us   I wonder how many brits would jump at that offer? Thousands? Hundreds of thousands? Lets see, up to 5 years free board and lodging and £3k in my pocket .. I'd go - and like that person - just come back if/when I get bored. First job - off to Botswana for a week to see the elephants.   Of course the paid volunteers going to Botswana are meaningless - Rwanda have REPEATEDLY said they wont take any forcibly trafficked people in breach of international law eh? Have the poops actually got any civil servants to agree to go yet - probably end up as more massive payments to VIPal contractors to go and sit there doing nowt shortly eh?    
    • Hi Wondered if I could get a little advise please. I entered into a commercial lease (3 years) and within a few months I had to leave as the business I was trading with collapsed. I returned the keys to the landlord and explained the situation and no money, also likely to go on benefits but the landlord stuck to their guns. They have now instructed solicitors to send letter before action claiming just over £4000. The lease was mine and so the debt. I know this. I have emailed the solicitors twice to explain I am out of work and that with help from family I could offer a full and final settlement figure of £1500 or £10pw. This was countered by them with an offer to reduce the debt by £400, or pay off the amount over 12 months. I went back with an improved full and final offer of £2500 or £20pw. This has been rejected with the comment 'papers ready to go to court'. I have no hope of paying the £4000 and so it will have to go to court. Pity as I have no debts otherwise but not working is a killer. I wondered if they take me to court, could I ask for mediation? I also think that taking me to court will result in a pretty much nothing per week payment from my benefits. Are companies just pushing ahead with action even if a better offer is on the table? Thanks for your help.
    • Hi all, Many thanks for the advice! Unfortunately, the reply to the email was as expected…   Starbucks UK Customer Care <[email protected]> Hi xxxxxx, We are sorry to read you received a parking charge after using our Stansted Airport - A120 DT store. Unfortunately, the car park here is managed by MET parking. Both Starbucks and EuroGarages who own and operate this site are not able to help and have no authority to overturn any parking charges received. If you have followed the below terms then you would need to send all correspondence to [email protected], who will be able to assist you further. Several signs around the car park clarify the below terms and conditions: • Maximum stay 60 minutes, whilst the store is open. If the store is closed, pay to park applies. • The car park is for Starbucks customers only who make a purchase in our store, a charge will be issued if you left the site. • If you had made a purchase and required additional time, you must have inputted your registration number into the in store iPad which would have extended your stay up to 3 hours • To park in a disabled bay, you must have displayed a valid disabled badge. • If Starbucks was closed, you must have paid for parking as charges still apply, following signage located on site. • If you didn’t use the store, you must have paid for parking, following signage located on site Please ensure all further correspondence is directed to MET parking at the above email address, and accept our apologies that we cannot help you further on this matter.  Kind Regards,  Lora K  Customer Care Team Leader Starbucks Coffee Company, Building 4 Chiswick Park, London, W4 5YE
    • Thanks HB edited and re-uploaded. Thanks for the heads up 👍
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Welcome picks another victim


rob20042513
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  • 4 weeks later...

Hi All,

 

Background:

 

I took out a car back in June 2008 on Hire purchase, they sold me all the usual insurances even PPI which i did not want, however i managed to cancel all of the insurances within the 30 day period!!! I also argued that the agreement was meant to be 36 months not 48, which they said they have changed. They told me i needed to go into the local branch and resign a new agreement in order for this to be done. So i went back into the branch on the 21/08/08 to sign a new agreement (assuming it was still the Hire purchase agreement) so continued to make payments as normal.

 

My personal loan is finishing on aug09 which i needed to find out the balance and look at charges etc, so i did a Subject access request in order to find out. Everything was fine except the new agreement for my car, it stated 'Regulated by the Consumer credit Act 1974' nothing mentioned about Hire purchase, no termination rights, repossession etc. It just seemed to be a loan agreement!!!!!!!!! Also the agreement states 48 months as well. On my discovery i wrote immediately to Welcome to rectify and they did not respond so i wrote to the Financial Ombudsman and they escalated my case. I have not made any payments for the last two months to welcome as the account is in dispute, Today I have recieved a letter titled 'FINAL RESPONSES' this includes the following:

 

Dear rob20042513,

 

We've recieved your complaint from the Financial Ombudsman Service.

 

I understand that you are concerned about the agreements you've signed.

 

Ive reviewed your file and note that you originally took a HP agreement for vehicle xxxxxxx in june 08. With this agreement you purchased insurances, namely payment protection insurance and mechanical breakdown.

 

We recieved your request to cancel these insurances within the first 30 days, therefore we cancelled the original agreement and reebooked without the insurances for the same loan advance and vehicle details.

 

However, after reviewing the loan documents it appears that when we arranged the rebook, we completed documents for a CST agreement. This type of agreement is a loan for a vehicle; however it does not carry any repossession or termination rights.

 

I undertand your concerns about furture request to terminate the agreement would be declined, however on this occassion we are prepared to honour this. If you wish to terminate your agreement, please let me know. You should be aware that as you have only had the agreement in place for 13 months, there would be a significant remaining liability at this time.

 

However, the agreement is noy unenforceable as you've claimed. You signed to accept the terms and conditions of the agreement and you have taken possession of a vehicle for which payments are due.

 

Financial regualtions require me to advise you that this letter is the final response.

 

What do i do next please help!!!

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they are criminals, they are not offering anything worth considering as they will take your car, auction it and then chase you for other monies owed. The only reason they have made this offer is to get some much needed cash....

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Hi Post,

 

The first page states 'regulated by the consumer credit act 1974' (no mention of Hire purchase) the second page which is page number 2 states early settlement figures and my signatures and theirs still no mention of hire purchase anywhere.

 

What can i do now as they believe that from the letter i received today i'm stuffed??

 

please can you direct me

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At The End Of The Day

Its A Hire Purchess Agreement That You Signed

Its There Fault They Did Not Get It Right When The Agreement Was Resigned

 

On The Previouse Agreement, I Take It You Had Ppi Etc

 

I Bet They Did Not Put A Rebate Into The Second Agreement

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Hi andi,

 

Spoke to the Financial Ombudsman who stated that if i'm not happy then to forward the letter and then it will be passed over to the ajudicator there.

 

I'm still worrying as i need to know where i stand legally if this ended up in court?? also what could the Financial Ombudsman actually do in this case???

 

advice appreciated

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Rob

 

Have You Checked The Two Agreements

 

Is The Second One Exactly The Same As The First But Minus Any Ppi OR OTHER MICKY MOUSE INSURANCE

 

Also

Is The Interest Rate The Same

Are You Paying A Higher Apr On The Second Agreement

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hi post,

 

The second agreement is exactly like the first except for the following:

 

1. Does not state Hire purchase anywhere on both pages

 

2. the agreement is on two seperate pages

 

- first page consists of all the numbers, car details etc

- second page consists of my signatures and the terms and conditions

 

 

advice please

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postjjg or andi or anyone

 

I have spoken to welcome today who have said the following:

 

1. I can give the car back and then pay monthly instalments upto 50% of the agreement value

 

2. If i send to the fos then they will continue to carry missed payments and default me

 

3. as i have only made 8 payments they can repossess the car

 

I seriously need help now!!!!!!!!!! advice please

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it's up to you.

 

1) If you are interested in this option make sure you get it in writing before you VT - a common trick is they take the car and then pursue you for the whole amount saying they never agreed to that.

 

2) If the account is legally in dispute they aren't allowed to do this - as Welcome are about to learn damaging someones credit file whilst in default is coming to bite them in the ass as they are being taken to court for it.

 

3) Technically correct - however Welcome like to do illegal repos and if they do so the car is yours and you have nothing to pay them as a Cagger has recently found out.

 

I would say either 1 or 2 if you don't want the car tell them to take the piece of crap back BUT only once you get in writing that you can continue to pay the 50% in affordable installments.

 

Or send to FOS and make them aware that Welcome are threatening to default despite their being a legal dispute about the legitmacy of the agreement and the amount outstanding.

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