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    • I had some contact with this company earlier in my working life but I'm afraid there's not a lot I can suggest that you haven't already done. During your grandfather's time  British Celanese was a subsidiary of Courtaulds. Courtaulds was subsequently (after your grandfather had stopped working there) acquired by Alzo Nobel. They in turn closed down the Spondon site and sold it. I have no idea what the number is that you are trying to call. It's a Derby (Spondon) area code but the number appears not to be allocated. From my slim knowledge of the history of the company I would have expected your grandfather's pension to be in the Alzo Nobel (CPS) Pension Scheme.  But Willis Tower Watson are the Pension Scheme Administrator of that scheme and would be the people who should know if your grandfather had contributed. Is your grandfather certain he contributed? Joining pension schemes wasn't compulsory in those days. Or might he have got his contributions returned when he left them? That happened sometimes back then. Sorry not to be of more help.      
    • I am sorry I am not aware of this report from IAS assessors? The Court will consider my application at a online hearing in June. The Court instructed me to send Bank copies of my sons condition proving he could not have been the driver I have heard nothing further. My son is not aware of any proceedings I have not involved him to avoid causing him distress, he has been sectioned a fair few times and I need to avoid this happening.
    • I am very pleased that the Court has taken the decision to allow you to  represent your son and hope that he is happy enough with that to relieve the stress he will also be feeling. I do agree that Bank parking are so insensitive, greedy, horrible etc etc to continue proceedings considering  in what it is a very minor case of a wrong number plate . Even their  own  IAS Assessors, who are normally hopelessly biased in favour of their members, went out on a limb and said  " The Operator's evidence shows no payment for the Appellant's vehicle, or anything similar. It does show two payments for the same registration in quick succession. I would take a reasonable guess, based on the circumstances described, that the person paying has paid for the registration of the person they assisted again." That is damning evidence and you must take that report with you as well as including that in your Witness Statement which we will help you with. I would expect that Bank would discontinue the case at that point.  But I am sorry to say  that you should not count on it.  
    • Evening all,   I have deliberated over this offer for two weeks and I have decided to take their offer. I do understand that some may prefer us to go to court and receive a judgement but with our personal circumstances and my current military commitment that could become an issue. I am so grateful for all the help and support you have all offered me over the last few months. I will continue to monitor this site and push all those that are being wrong to get in touch.   Thank you! what you all do is truly amazing!
    • When I first responded to the PAPLOC, and received that 29 page junk back it was accompanied with a letter saying that they had already responded to my request back on Feb 18th 2023,(I never received it). I was just clearing out some paperwork today and found a letter from Lowell, dated Feb 17th 2023, explaining that they were still waiting for the documents from PayPal, and my account was on hold  until further notice.  Does this mean they were lying and can it be used against them if this goes any further? I have now filed my defence, and have had an acknowledgement from Overdales and the court. A little threatening from Overdales , explaining that part of my defence was invalid because they have now complied with the CCA, and they were still waiting for the Default notice from PayPal.
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    • 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.
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      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
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Welcome Finance - Is This Enforceable??


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Not sure when you took the loan out but note that all Welcome Finance Agreements have an acceptance fee on them ( usually £75.00 ) and the smallprint below it indicates that they charge interest on it. This potentially has the effect of making the agreement unenforceable. Welcome are waiting until the outcome of the appeal in the case of Southern Pacific Personal Loans v Walker but potentially Welcome may have to write off thousands of loans where interest has been charged on the acceptance fee.

 

 

do you have a link to the original case before the apppeal

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lawerscum

i know where you are going with this and i believe that any charge for credit should not have interest applied to it.

i, myself have had a welcome agreement thrown out of court ref wilson v fct

 

might stephen or pt take this up

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  • 1 month later...

Check With Your Bank When The Funds Were Paid In

 

You Need Some One Like Stephen To Confirm As Secured Loans Are Not My Thing But I Remember That A Cooling Off Period Of 14 Days Needs To Be Given From Your Sig On The Agreement To Payment Of Funds

 

Not Gospel So Get It Confirmed

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Like To Help But Liked I Said

 

Secured Loans Are Not My Thing

There Are People On The Forum Who Are

 

This 14 Day Cooling Off Period Might Be All It Takes As The Agreement Would Not Have Been Executed

 

Try And Get The Date The Funds Were Paid In And I Will Do Some More Research

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  • 3 weeks later...

ok here it is

 

when you apply for a secured loan, after you sign on the dotted line, the creditor, being welcome,

 

they have to give you a 14 day cooling off period

this gives you extra time to think about the commitment.

in this time welcome are to have no contact with you to put any undue pressure as its secured on your house

 

only then after 14 days can welcome release the funds and execute the agreement

 

this business of non canceable as signed on trade premisis is rollocks

 

they have to send the agreement to you to sign through the post and then you return it to them

 

the cooling off period alone kills that argument dead

 

 

ask tou bank for statements just after you signed to see when the money was paid in

 

happy:D

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this may need the fos to get involved

 

ill do you a letter over the weekend to send welcome

 

you will need there reply before we can use the fos

 

ive not looked at the agreement but the law is the law

 

they cocked up big time the commission hungry muppetts

 

no charging order for you now and no debt

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well the 1/11/05 to 10/11/05 is not 14 days poor poor welcome

 

ill pm it over the week end

 

check with your bank when the funds went in

 

if they give you crap about a fiver a statement

 

send an sar

 

get them all for ten quid

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