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    • Hello all,   I ordered a laptop online about 16 months ago. The laptop was faulty and I was supposed to send it back within guarantee but didn't for various reasons. I contacted the company a few months later and they said they will still fix it for me free of charge but I'd have to pay to send it to them and they will pay to send it back to me. The parcel arrived there fine. Company had fixed it and they sent it via dpd. I was working in the office so I asked my neighbours who would be in, as there's been a history of parcel thefts on our street. I had 2 neighbours who offered but when I went to update delivery instructions, their door number wasn't on the drop down despite sharing the same post code.  I then selected a neighbour who I thought would likely be in and also selected other in the safe place selection and put the number of the neighbour who I knew would definitely be in and they left my parcel outside and the parcel was stolen. DPD didn't want to deal with me and said I need to speak to the retailer. The retailer said DPD have special instructions from them not to leave a parcel outside unless specified by a customer. The retailer then said they could see my instructions said leave in a safe space but I have no porch. My front door just opens onto the road and the driver made no attempt to conceal it.  Anyway, I would like to know if I have rights here because the delivery wasn't for an item that I just bought. It was initially delivered but stopped working within the warranty period and they agreed to fix it for free.  Appreciate your help 🙏🏼   Thanks!
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    • Hi Guys, well a year on and my friend has just received this in the post today, obviously a little scared so looking for more of your advice.  Letter from the NCC dated 1-May-2024 is as follows.......   Before deputy district judge Haythorne sitting at the national business centre, 4th floor st Kathrine's house Northampton Upon reading an application from the claimant  it is ordered that  1. The claim be sent to the county court at #### (Friends local Court) Because this order has been made without a hearing, the parties have the right to apply to have the order set aside, varied or stayed.  A party making such an application must send or deliver the application to the court (together with any appropriate fee) to arrive within seven days of service of this order.  If the application is one which requires a hearing, and a) the party making the application is the defendant: and b) the defendant is an individual, then upon filing of the application the claim will be transferred to the defendants home court.  In all other cases requiring a hearing the claim will be transferred to the preferred court.    As a result of an order made on the 1 May 2024, this claim has been transferred to the county court at ##### (friends local court) 
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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.

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      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 Car Finance: Unsigned credit agreement.


emmilou1
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i thought i had mentioned this, must be another thread

 

ok, some good news

the 100 quid option to purchess fee is payable with the final payment.

this is where it gets interesting,

you may decide not to keep the car and for- go the 100 quid payment, so why are you paying interest on it.

 

that payment is then a charge for credit and a no no

 

another welcome con ime afraid but the good news is it invalidated the agreement but you need to send your complaint under the complaints dept to compliance in nottingham for there reply.

 

following this thread with interest and wondering what reply will come this time from mr p

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  • 3 weeks later...

scarlettuk

what do you mean that you are still making payments even though the car was written off

 

you would have had gap on the agreement or another name for it is shortfall

 

that would have paid the difference between what the insurance company paid and what was left outstanding on the agreement

 

please explain why this was not settled and what cock and bull welcome said not to pay out

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I Do Get Fed Up With Welcome And There Bovine Excrament.

All These Micky Mouse Policies Are Welcome

 

I Take It Direct Group Addmin The Gap Insurance

No Surprise On That One

 

I Bet You Never Got It In Writing About The Gap

 

Do You Still Have The Gap Policy Doc With The T&c

 

I Would Love To See Where In The Gap T&c It States The Vehicle Has To Be Fully Comp To Pay Out,

 

Forget Welcome And What They Say On This, Pure Crap

 

its Whats In The Gap T&c That Count

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WELCOME WILL WASH THERE HANDS ON ANY REQUEST ON THE INSURANCE PRODUCTS

 

CONTACT THESE PEOPLE

 

Direct Group - Where Insurance and Innovation Combine - Home Page

 

ASK THEM TO SEND DETAILS ON WHAT THEY HAVE ON YOU YOU NEED

 

COPIES OF INSURANCE DOCSAND

T&C FOR THOSE DOCS

 

DONT TIP THEM OFF WHY YOU WANT THEM

 

AS A NORM THEY WILL SEND THEM OUT

IF NOT

SAR THEM

 

DONT TELL THEM WHY YOU WANT THE DOCS

 

IT HAS BEN KNOWN FOR WELCOME TO CHARGE FOR GAP AND NO POLICY EXSISTS

 

DONT MENTION THE GAP POLICY TO DIRECT GROUP

 

LET THEM CONFIRM IT OR NOT

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hi emmilou1

 

i had this in my court case against welcome

 

it will cost anything up to 250 quid but well worth it

its worth its weight in gold

 

google

 

graphologist

 

i used one in london and they will do a report on the sigs etc

 

in my case

 

case closed

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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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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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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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  • 4 weeks later...

Go The Full Hog

 

You Have Been On The Welcome Forum Long Enough To Know The Real Welcome

 

Believe Nothing Unless In Black And White

 

 

If You Go Into The Office, Sign Nothing

 

Get Them To Photocopy The Agreement And Take It With You To Look At Before Signing

 

Remember

Signing On Trade Premisis Ends Most Of The Protection In The Cca

 

Allways Watch Your Back

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  • 2 weeks later...

They Cant Charge A Higher Apr

 

Glad You Spotted That One

May I Ask How Much Higher The Apr Is.

They Have To Get Back The Insurance Some How, Dont They.

 

Just Confirm

 

Agreement Back To The Original Amount Minus Payments Allready Made

Less Ppi Etc

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Cancellation period

10. - (1) For the purposes of regulation 9, the cancellation period begins on the day on which the distance contract is concluded ("conclusion day") and ends as provided for in paragraphs (2) to (5).

 

(2) Where the supplier complies with regulation 8(1) on or before conclusion day, the cancellation period ends on the expiry of fourteen calendar days beginning with the day after conclusion day.

 

(3) Where the supplier does not comply with regulation 8(1) on or before conclusion day, but subsequently communicates to the consumer on paper, or in another durable medium which is available and accessible to the consumer, all the contractual terms and conditions and the information required under regulation 8(1), the cancellation period ends on the expiry of fourteen calendar days beginning with the day after the day on which the consumer receives the last of those terms and conditions and that information.

 

(4) In the case of a distance contract relating to life insurance, for the references to conclusion day in paragraphs (2) and (3) there are substituted references to the day on which the consumer is informed that the distance contract has been concluded.

 

(5) In the case of a distance contract relating to life insurance or a personal pension, for the references to fourteen calendar days in paragraphs (2) and (3) there are substituted references to thirty calendar days.

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There's no need. The CCA covers this really clearly. Up to £25k the borrower has automatic cancellation rights which begin on the day the confirmation of agreement is received and extend for 5 days from that date.

 

In order to comply with the act, the lender MUST send confirmation of the loan along with a cancellation rights notice within 14 days of drawdown of funds.

 

Failure to do this will render the loan unenforceable as it denies the borrower the opportunity of exercising their cancellation rights. Nothing the lender does can affect this.

 

Any court would throw the book at the lender for sloppy practice if it got that far.

 

the fact remains that the lender is totally wrong in asserting that the borrower has waived their rights as it simply isn't true. Anything that suggests they have could be viewed as coercion.

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