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    • Hi With the Section 21 Notice I do hope the Landlord issued you with: Energy Performance Certificate (EPC) for the Property How to Rent Guide A current Gas Safety Certificate (if gas in the Property) If above have not been provided to the Tenant by the Landlord then they can't use a Section 21 Notice until the above have been provided (note you don't warn the Landlord of this until but put it in your defence) Have a good read of this link: Evicting tenants in England: Section 21 and Section 8 notices - GOV.UK WWW.GOV.UK Information for landlords in England on tenant eviction: assured shorthold tenancies, including eviction notices, Section 21, Section 8, accelerated possession, possession orders, bailiffs  
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    • Date of issue –   13 may 2024 AOS date 31st may defence filing date 14th june plenty of lowell card claimform threads here use our enhanced google searchbox Lowell card claimform id be reading at least 5-10 threads a day. do NOT MISS your defence filing whatever happens.  
    • Hello All,  I’m hoping someone can help me urgently here. Firstly, I’d like to say I have read multiple other threads and have some what an idea of what I should be doing, however my case might be slightly different so coming with my own questions here.    my situation is I lived in Dubai and had a credit card and a loan, loan with HSBC and credit card with Emirates (or the other way round), I lost my job and was forced to leave the country as I was staying in the country on my companies visa.    since coming back, after a few years 2 different debt collections agencies have been approaching me (one being IDRW and the other J&P). I’ve never answered IDRWW and they constantly chase me by calling and messaging me and my employer. My current company is ok with this as I explained the situation but I’m soon to be joining a new company who definitely won’t be ok with being messaged and called. I’m afraid to continue to ignore them as they may message and calm the new employer as they have before and I’ll lose my job. However, it seems clear from these forums that dealing with the debt collection agencies is never a good idea. You shouldn’t agree to the amount or pay anything.    j&p caught me on my phone but I still haven't sent them any money or confirmed the amount they’re saying is owed, they keep pushing to pay off the “principal” amount by making monthly payments, from reading these forums it seems like if I make one of those payments (they have provided bank details for ENBD), then it’ll just be paying off interest and not actually clearing the principle debt and the bank won’t even approve receipt of payment or that it’s coming off principle.    this is my predicament as ignoring them might not be an option if they chase my new employer. Maybe there’s a way to ensure the debt collection agency don’t contact my new employer?? I don’t know? Massively appreciate peoples help here. Thanks, 
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Welcome Car Finance: Unsigned credit agreement.


emmilou1
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it would be one agreement prob a carbon sheet for three copies

yellow copy

blue

white

not sure on the colours

 

the dealer gets one copy

the finance co gets another

and you the final copy

 

there is allways only one agreement unless you re-write the loan

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Yes, thats what I thought. They've definately faked the signature then.

 

My guess is they've lost/misplaced the original agreement and knocked this one up as a replacement. :mad:

 

That explains why the welcome staff I dealt with were so keen to know if I already had my own copy of the agreement before they'd send the new one out and if I did could I please bring it into the office. haha. I said I had lost the original ages ago :p and now i get this lovely fraudulant one!

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im in the exact same situation,option fee being charged interest on and none of my agreement is signed by welcome and is not dated at all! really need to know where i stand on this as we are thinking of sending our car back as we can no longer afford it...any advice welcome! thanx

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Send off a cca request and see what you get back and if it matches the agreement you've got to start with.

It'll come with a statement as well so you can check for any charges etc that have been applied to your account.

 

Did you take out any of the insurances with them? We were told we had to or no car so i'm going through the process of reclaiming them.

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we did take them out but then cancelled them within the 30 days so never paid a penny for those. for the cca request do i just write them a letter asking for it or do i need some sort of form or something....they seem impossible to contact,we get phone calls from our acc manangers personal mobile and home numbers,she even txted us a while ago to say theyy had recieved a payment...very odd. we have an appointment with cab next week so hopefully they can shed some light on all this.

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For the cca request I used this template just remember to send the £1 postal order and do NOT sign the letter, just print your name as they seem to do dodgy things if they have a copy of your signature, oh and send it special delivery so you can prove you sent it and keep the tracking number. They have 12+2 days to respond. :

 

Dear Sir/Madam

 

Re:− Account Number:

I do not acknowledge any debt to your company.

 

With reference to the above, we would be grateful if you would send us a copy of this credit agreement, statement of account and notice of assignment.

 

We understand that under the Consumer Credit Act 1974 (Sections 77−79), we are entitled to receive a copy of our credit agreement on request. We enclose a payment of £1.00 which represents the fee payable under the Consumer Credit Act.

 

We understand a copy of our credit agreement should be supplied within 12 working days.

 

We understand that under the Consumer Credit Act creditors are unable to enforce an agreement if they fail to comply with a request for a copy of the agreement under these sections of the Act.

 

We look forward to hearing from you.

 

Yours faithfully

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this may sound like a pretty dumb question.......our credit agreement was signed in 2008...does this mean that i cant do anything about it???? i keep reading about agreements that were made before 2007 being unenforceable but nothing later....anybody know???????

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hey another question, sorry that there are so many, i've been reading alot about the dodgy insurances and rang direct group asking for details on any insurances they hold in our my partners name.

 

They said he had PPI but didn't mention my mechanical breakdown or shortfall extra. At first I thought this may be because these two insurances were held by another insurer? But after digging out my mechanical breakdown policy booklet i've noticed it gives direct group and norwich unions details....

 

Does this mean there is no mechanical breakdown or shortfall insurance...even though we've been paying for it for 3 years??

 

Sorry if this sounds silly or if i've missed something here.

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Did anyone else fall for the old 'any old car as a deposit' advert when they decided to use Welcome?

 

We did and they did not accept our car as a full deposit...they gave us £1 and we had to pay £50 cash as well.

 

I've been digging around in some old paperwork, they took my car to auction after and recieved about a hundred quid for it. This annoys the hell out of me.

 

Maybe i'm being picky here and I wouldn't mind if they'd just took the car as the deposit but they took £50 off us aswell!

 

The car was more than enough to cover deposit.

 

Surely the any old car as a deposit is false advertising then?

 

Just a rant,lol :)

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I have two agreements. The one I was given, and the one they sent me after cca request.

 

On my agreement: Insurances are added to the total cost, the figures are all there under insurances HOWEVER, the tick boxes are not ticked.

 

On the cca request one: Insurances are added to toal cost, figures are all there AND boxes are ticked.

 

That any help?

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Seems To Me You Have Been Duped On The Insurance By Welcome And Welcome Have Not Paid For Them

 

On The Stuff You Got Back From Direct Group And Welcome

 

Do You Have A Document Called

 

statement Of Price

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no, all I got from direct group them was a photocopy of whats included, terms etc.

 

No policy number

No statement of price.

My name is nowhere on it.

 

From welcome I got a credit agreement and a statement that dates back from when I took the car. Terms and conditions, and a sheet with my details saying, customer number, broker number, name address etc.

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Well Well

 

Seems You Have Been Duped Good And Proper

 

This Is Another Nail In The Coffin

 

The Key Is Not To Tip Welcome Off

 

You Need To Send Welcome A Letter Saying The Statement Of Price On All The Contracts Has Been Neglected In The Documents Sent To You

 

Send Recorded Delievery

 

This Realy Is Happy Days For You On This One Me Thinks

 

We Just Have To Let Them Dig There Own Grave

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I've heard about these pre-contract agreements, apparantly you get it before your credit agreement (I didn't though!).... usually they say, 'for your information only'.

 

This isn't your credit agreement, you should do a cca. I bet they don't have a signed credit agreement from you ;)

Edited by emmilou1
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Weve Since Had This Modified As We Couldnt Afford The Repayment The New Paperwork Is 3 Pages And That Also Says Pre Contract Information....none Of This Is Signed Or Dated By Us Or Them And Does Not Even Have Anywhere To Sign It

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