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    • Even a Piers Morgan is an improvement and a gutless Farage Piers Morgan calls for second Brexit referendum WWW.THELONDONECONOMIC.COM Piers Morgan and Nigel Farage have faced off over Brexit and a second referendum in a heated reunion on BBC Question Time.   “Why don’t we have another referendum about Brexit?” he questioned. “I seem to remember when 2016 came around we were told there was going to be control of our borders and it was going to be economically beneficial to this country. And eight years later we have lost complete control of our borders… and economically it seems to have been a wilful act of self-harm.”   ... Piers missed off : after all somebody said a 48/52 decision would be "unfinished business" by a long way - was that person just bul lying (again)  
    • when did they (who) inform you there was a 'police case' and when was this attained? i will guess the debt is now SB'd as it's UAE 15yrs. have you informed the bsnk ever by email/letter of your correct and current address? you can always ignore anyone else accept the bank,  Block and bounce back all emails. Block any text messages  Ignore any letters unless it's: - a Statutory Demand - a Letter Of Claim - a Court Claimform via Northants bulk.  
    • I left Dubai 8 years ago and intended to return. However a job prospect fell through. I’d been there for 15 years. I decided to pay my credit card and the bank had frozen my account. There is no means to pay the CC so completely unable to pay when I wanted to other than the bank advising me to ask a friend in the UAE to pay it on my behalf!  fast forward bank informs there is a police case against me for non payment. Years later IDR chased me and after months/ years they stopped. Now Judge & Priestley are trying their luck. Now I have received an email in English and Arabic from JP saying the bank has authorised them to collect debts. Is this the same as IDR although I didn’t receive anything like this from them. Just says they are authorised?
    • The neighbour's house is built right on the boundary so the side of their house is effectively the 'wall' in our garden separating the two properties. It's a three storey house and so the mortar poses a potential danger to us. Because of the danger, we have put up an interior fence in our garden to ensure we don't risk mortar dropping on us. That reduces the garden by 25% which is not only an inconvenience, but it's the part of the garden where we had lined up contractors to install a patio and gazebo which we will use for our wedding reception in less than 2 months. We have spoken to the neighbour's caretaker who is on the case, has spoken with a roofer and possibly a scaffolding company, but there are several issues. They don't seem to understand the urgency. As long as there is a risk of falling mortar, we can't carry out any work in the garden, and unless they hurry up, we're looking at cancelling our wedding as it's not viable to book a venue because we can't use our own garden! Also, they want to put the scaffolding up in our garden which would be ok with us if it was a matter of a few days and they hurried up, but there is a tree (most likely protected by the conservation area), so most likely they can only reach part of the roof with the scaffolding if they put it up in our garden. We suggested a roofer with a cherry picker but they seem to want to use a company they've used before. Any and all comments, suggestions, advice is more than welcome.  PS. does it make any difference that the neighbour is a business (ltd) and not a private dwelling?
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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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louisd77
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I have been asked to go to see a Welcome representative to discuss a missed payment. I can no longer afford the monthly payments on the car & have asked welcome to reduce them. I have made 18 payments so far & have 30 left.

They have asked me to prove why I can no longer pay the full amount. Should I sign another contract? What rights do I have?

 

Thanks,

 

Louis

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I dont know much about these car agreements. Only what I read on this forum. Do not sign a new agreement though thats for sure because it certainly wont make you any better off with Welcome Finance and only they will get something out of it. From what I understand if you have paid a third you can give the car back..Postggj will be along at some stage soon and am sure he will advise. Dont panic into a new agreement though please !!!

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Hi,

 

There is no default notice, probably because I initially wrote to them explaining that I could not continue to pay the full amount. So they are asking me to go into their local office to re-negotiate the deal, hopefully for lower payments. I am unsure about signing a new contract though. Would I have to sign it there & then or do I have the right to take it home & take a better look?

I cancelled the PPI after the first two days.

 

Thanks,

 

Louis

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  • 2 weeks later...

Visited Welcome today, there office is next door to the FOS, which I thought was ironic.

 

They will reduce payments from £221 a month to £96 but this is now based over 10 years. I only owe £6500 though so this seems a little high.

 

Need to make a decision by Monday because they can only allow 2 people in a set period to reduce payments, so it's a first come, first served basis.

 

Louis

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whatever you do do not sign a new agreement with them your current agreement is more than likely to have enough holes in it to render it unenforceable, and if you sign a new agreement now they will make sure the new agreement is bulletproof and your £6,500 will spiral out of all recognition on a ten year plan, these people are only willing to re new your agreement because your current agreement is not worth the paper it is written on or they have lost it, please wait and get more advice from this site dont let them pressure you into signing or you will regret it for years and years to come, this company is about to fall off the map and are desperate to get cash in by any means they can so again dont trust them, dont speak to them on the phone or in person only by letter and for the sake of your future Please do not sign a new agreement

regards

jdene

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I'll second that jdene. Louisd77 - Do not sign a new agreement!

 

Take a look at your agreement, it will state the 1/3 figure. Once you hit that they can not repo without a court order. You must hit 1/2 before you can VT.

In the meantime, you must send a CCA request to compliance at Nottingham, £1 postal order, recorded delivery, do not sign it. Once you get that you will be in a better position to move forward.

 

The bit about 2 rewrites per period is a lie. Absolute barefaced lie. They want to create a new, tighter, agreement, far more interest, more fees etc. They are not trying to help you, they are trying to help themselves.

 

Step 1 - CCA

Step 2 - see step 1 !

 

I'll give postggj a shout and see if he can pop by.

T2

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hi all

 

been asked to drop inn

tell me

you said you cancelled the ppi after 2 days, did you sign a new afreement

did your repayments go down

did welcome acknowledge by a letter about the ppi being cancelled

 

send welcome a cca request to begin with

 

on monday phone these people

 

Direct Group - Where Insurance and Innovation Combine - Home Page

 

ask them if you have any active insurance products with them

 

keep it simple

 

if you have say ok and get back to me asap

 

DO NOT SIGN A NEW AGREEMENT UNTILL IVE GONE OVER EVERY THING WITH A FINE TOOTH COMB

 

IF WELCOME WANT YOU TO SIGN A NEW AGREEMENT

 

ASK YOUR SELF WHY

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I have a appointment with Welcome tomorrow. I don't want to sjign another contract, especially one which is going to cost me £11520 for a car which is probably worth £3000. Plus I have already paid £3757. There is now pressure on me to sign & not miss the appointment.

 

Any suggestions would be appreciated.

 

Louis

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