Jump to content
  • Tweets

  • Posts

    • Sorry, but we need to see the entire claim form in PDF. Scanned. I'm particularly interested to see the description of the parties.
    • and here is the Hermes response:   Intention I intend to defend all of this claim   Signed I am the Defendant REDACTED Hermes Legal Department 19/10/2020
    • Here is my claim:   Particulars of Claim I posted the Item at a collection point which I was provided the following tracking number: REDACTED The tracking did not update past the point it was collected from this shop, and I had flagged this up from the 6th. PackLink have offered compensation amounting to £25 which I have refused. They do agree that the parcel is indeed lost, but are not willing to payout the value of which the item sold for. PackLink have refunded me the cost of the label which amounted to £7.08 There is a packlink reference number for this case, which is: REDACTED In essence, PackLink admit they are at fault, but are not willing to compensate me for the full value of the item at its sold price. I will provide the defendant with separate detailed particulars within 14 days after service of the claim form.   Details of claim Amount claimed£1,490.00 Court fee£70.00 Total amount£1,560.00
    • Thanks for your reply, yes they got the items back undamaged.    The police got of to sign the recorded warning but the man in tesco didn't have me sign anything, he just took my name and address,  didn't ask any other questions or say anything about a "fine"   Was just a one off.  I had just lost and buried my 21 year old nephew.  So really wasn't in right frame of mind. Deffo wont be doing that again.  Nearly 30, with a clean record up till now so was a big shock for some stupid items that I had the money to actually pay for.     I'm currently in the processes of being refereed to a therapist. To try and help.    I'll make sure that I update this if I recieve any more letters from them and I'll make sure to keep them. 
    • As you are not out of pocket, I think I would do nothing about the breach of data protection regulations – but simply store it up so that if they come back at you, then you can raise the issue and challenge them. Did you get any information about inspections et cetera? You received a response to one SAR. What did that produce?
  • Our picks

    • Hermes lost parcel.. Read more at https://www.consumeractiongroup.co.uk/topic/422615-hermes-lost-parcel/
      • 49 replies
    • Oven repair. https://www.consumeractiongroup.co.uk/topic/427690-oven-repair/&do=findComment&comment=5073391
      • 49 replies
    • I came across this discussion recently and just wanted to give my experience of A Shade Greener that may help others regarding their boiler finance agreement.
      We had a 10yr  finance contract for a boiler fitted July 2015.
      After a summer of discontent with ASG I discovered that if you have paid HALF the agreement or more you can legally return the boiler to them at no cost to yourself. I've just returned mine the feeling is liberating.
      It all started mid summer during lockdown when they refused to service our boiler because we didn't have a loft ladder or flooring installed despite the fact AS installed the boiler. and had previosuly serviced it without issue for 4yrs. After consulting with an independent installer I was informed that if this was the case then ASG had breached building regulations,  this was duly reported to Gas Safe to investigate and even then ASG refused to accept blame and repeatedly said it was my problem. Anyway Gas Safe found them in breach of building regs and a compromise was reached.
      A month later and ASG attended to service our boiler but in the process left the boiler unusuable as it kept losing pressure not to mention they had damaged the filling loop in the process which they said was my responsibilty not theres and would charge me to repair, so generous of them! Soon after reporting the fault I got a letter stating it was time we arranged a powerflush on our heating system which they make you do after 5 years even though there's nothing in the contract that states this. Coincidence?
      After a few heated exchanges with ASG (pardon the pun) I decided to pull the plug and cancel our agreement.
      The boiler was removed and replaced by a reputable installer,  and the old boiler was returned to ASG thus ending our contract with them. What's mad is I saved in excess of £1000 in the long run and got a new boiler with a brand new 12yr warranty. 
      You only have to look at TrustPilot to get an idea of what this company is like.
        • Thanks
      • 3 replies
    • Dazza a few months ago I discovered a good friend of mine who had ten debts with cards and catalogues which he was slavishly paying off at detriment to his own family quality of life, and I mean hardship, not just absence of second holidays or flat screen TV's.
      I wrote to all his creditors asking for supporting documents and not one could provide any material that would allow them to enforce the debt.
      As a result he stopped paying and they have been unable to do anything, one even admitted it was unenforceable.
      If circumstances have got to the point where you are finding it unmanageable you must ask yourself why you feel the need to pay.  I guarantee you that these companies have built bad debt into their business model and no one over there is losing any sleep over your debt to them!  They will see you as a victim and cash cow and they will be reluctant to discuss final offers, only ways to keep you paying with threats of court action or seizing your assets if you have any.
      They are not your friends and you owe them no loyalty or moral duty, that must remain only for yourself and your family.
      If it was me I would send them all a CCA request.   I would bet that not one will provide the correct response and you can quite legally stop paying them until such time as they do provide a response.   Even when they do you should check back here as they mostly send dodgy photo copies or generic rubbish that has no connection with your supposed debt.
      The money you are paying them should, as far as you are able, be put to a savings account for yourself and as a means of paying of one of these fleecers should they ever manage to get to to the point of a successful court judgement.  After six years they will not be able to start court action and that money will then become yours.
      They will of course pursue you for the funds and pass your file around various departments of their business and out to third parties.
      Your response is that you should treat it as a hobby.  I have numerous files of correspondence each faithfully organised showing the various letters from different DCA;s , solicitors etc with a mix of threats, inducements and offers.   It is like my stamp collection and I show it to anyone who is interested!
        • Thanks
        • Like

Welcome finance not being completely honest?

Please note that this topic has not had any new posts for the last 4053 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

have you checked your credit file to see how meny months it was over


no panic on this or urgency


just building a picture

were there any t&c on the back of the policy doc

Link to post
Share on other sites

I haven't - I definitely remember signing the agreement for 36 months, although there's only one way to find out for sure!


No - nothing on the back - just a single sheet of paper

Link to post
Share on other sites

dont panic ian if i seem to be getting ahead of the game,

its just i know what replies welcome will give even before you have them,

you would think they would change the script by now



next step


phone direct group again, give them the policy number and ask them to send out the document again, this time with the t&c




its a game with this lot, you just have to play along to begin with, position your forces, then pounce

Link to post
Share on other sites

Well here's an interesting response to my telephone harrasment letter (I can't scan at the moment but below is the entire contents of their letter):


"Thank you for bringing to our attention your issue regarding your personal loan agreement.


I have been trying to contact you to discuss your issues via telephone but have been unsuccessful.


Should you have any issues in sending me the above, please contact me on the number stated below."


Now I'm sure it's not just me, but I see 2 problems here:


1. The letter I sent was regarding telephone harassment and stating that ALL future correspondence should be in writing - why on earth would they try to telephone me about that!!


2. "Should you have any issues in sending me the above" - what above? from what I can see they haven't actually asked me to send anything?

Link to post
Share on other sites
I've complained to Welcome, but their replies were a joke. So, my complaint is now with the FOS.


keep me updated please


Got a final response letter from Welcome this morning with an offer. They "don't agree with my assertions, but as a gesture of good will are going to refund my PPI and Familycare policies". I'm assuming the Familycare is the Lifecare24 policy?


They haven't said anything about the fact that the insurance companies have said these policies don't exist. And I'm not happy with the amounts they are offering me, it's only half of what I was was expecting. The figures don't match the breakdown that the sales guy gave me. The premiums do, but the interest is wrong.


So, I'm going to see what the FOS say about this as they will have sent this letter to them as well.

Link to post
Share on other sites

Don't forget your not only entitled to the premiums + the interest they charged but you also entitled to charge them a reciprocal contractual interest for the time you were denied the funds. Calculate in the same way as you would bank charges

Link to post
Share on other sites

Well it's been 14 days since I sent the CCA and I haven't received anything yet. However according to the post office website they haven't received it yet (sent recorded).


Can anybody offer any advice as to the next steps?



Link to post
Share on other sites

Here's another quick question - despite the telephone harassment letter being received by them over 3 weeks ago now they are still calling a couple of times a day (interestingly now it shows up as the main contact number for Welcome rather than the local office number - same person though)


Is there a certain letter I should send them?

Link to post
Share on other sites

call their bluff on the recorded delivery letter, either call them and ask where your CCA is or send in a letter of account being in dispute, they will respond quick enough on that or you could just send in a second letter by special delivery and restart the clock.


as for the phone calls send a full complaint in to the FOS with copies of all letters sent and recieved plus the log of calls you have received since the telephone harassment letter was sent. also explain why you contacted welcome in the first place, what got you concerned about your account....blah blah

Link to post
Share on other sites
  • 3 weeks later...

Hi All,


Well I've had my subject access request back with details of my current loan - I'm sure from the figures that I will be being charged interest on the acceptance fee (£75), but would somebody be about to take a look at it for me?


Some interesting notes on the telephone logs as well - calling 118 400 to try to get work numbers, looking at my work website address to try to get contact details etc!


I'll try to scan in documents this afternoon

Link to post
Share on other sites
  • 3 weeks later...

Hi Guys,


I have been forwarded a voicemail today from Welcome for me stating that if they do not speak to me by the end of the day they will be applyinh for an attachment of earnings - is that allowed?

Link to post
Share on other sites

Ian0579 Only if they already have a CCJ. Although (& I may be wrong) *I think under the new CCA 2006 they can go straight for an attachment as well as a charging order thanks to Noo Labour "the party of the working man" *This assumes yours is a relativley new agreement

Link to post
Share on other sites
  • Recently Browsing   0 Caggers

    No registered users viewing this page.

  • Have we helped you ...?

  • Create New...