Jump to content


  • Tweets

  • Posts

    • Looks promising then.  Well done   Dx
    • So a little update.  I sent a complaint to ico and have heard nothing. I just got the general reply email and that's it.  Sat twiddling my thumbs and thought about what I should do next. I searched for the CEO of Studio but then found that he'd left so as keep getting letters from studio about the arrears etc. I thought I'd email the David Twigg. Sent him all the bumpft and a copy of my original complaint and sars request.  Got no response. So didn't know what else to do. Then I thought I'd try through the financial difficulties option on the online form. One last try before I just give up and let them default me.  Then on the 5th June. I got an email from their customer services. That the items that had gone AWOL have all been cancelled. Nothing else on that email, so I had a look in an email account that I don't use anymore and there was an email from the customer service.  That they were sorry for the problems I've had for the last 9 months. That the sars info was emailed to me on 14/04, it wasn't I've kept all spam and deleted emails on that account, they have raised a complaint with their studio pay team regarding the issues, balance dispute, fee's and my credit file. They are hoping to resolve in 3 days but they have upto 56. They also said in regards to my other issues I have to raise a complaint with studio retail but haven't told me how I do that.  The sars info only goes upto the end of December 2023. It has my previous complaints on there but nothing after so I don't know how I get hold of that information. Luckily I've kept copies of every time I've contacted them. Every web chat or social media contact.  Apologies for the extremely long post but I wanted to add everything I could just incase.  I have checked my account balance and it's still minus 900 odd pounds but I'll keep checking to see if it's all cleared and on my credit file.  I'm hoping this is the end of the whole debacle and they close my account because I never want to do this again. Although it's been a learning experience.  Thanks to dx100uk for pointing me in the right direction. Much appreciated.   
    • Fraudsters copy the details of firms we authorise to try and convince people that their firm is genuine. Find out why you shouldn’t deal with this clone firm.View the full article
    • If you want to cause DCBL trouble, then complain to the SRA.  It would be even more fun if mystic_bertie would complain at the same time, to show the SRA there is a pattern.
  • Recommended Topics

  • Our picks

    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 161 replies
    • 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.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      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
        • Like
  • Recommended Topics

welcome finance Problems


abi_cutie09
style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 5112 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

  • Replies 372
  • Created
  • Last Reply

Top Posters In This Topic

Top Posters In This Topic

My thread title has changed! I didn't change it! I guess a MOD changed it.

My appologies if there was a problem with my thread title!!

I didn't recognise my own thread in my email box.lol

Edited by abi_cutie09
Link to post
Share on other sites

I just wanted to clarify something for my own mind, regarding the forged sinatures on the hp agreement,

When I signed my hp agreement I only remember signing once, so did they photocopy the agreement for their reference, or was it carbon copy,or would I have signed my copy and then signed their copy? What I am getting at is, should the signature on my copy be EXACTLY the same as the copy they sent in sar?

Link to post
Share on other sites

My thread title has changed! I didn't change it! I guess a MOD changed it.

My appologies if there was a problem with my thread title!!

I didn't recognise my own thread in my email box.lol

 

 

I changed it-and my apologies too for not informing you-I was called away while sending you a pm.

Its nothing personal-just the R word is a bit OTT ;)

Hope you will understand sometimes we are all tempted to say what we think but as a team guy I have to think of liability here !

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

Link to post
Share on other sites

HI can anyone advise me? Postggj is off line for a few days I think, Post was going to do a specific letter (regarding commision)to send welcome, I don't know what the letter should say,

And Welcome think I am going in their office on friday, partner told them that to shut them up,they were calling all day every day upto 10pm.

Any ideas how to stall welcome until I get this 'specific letter'.

 

What should I do now? Any advise is appreciated,

Thanks :)

Link to post
Share on other sites

How is a letter of dispute worded? Do I just list all of the things wrong with the account,? Or does it have to have any reference to consumer laws?

I really am stuck now, don't know what to do!!

Did anyone else have signatures forged in the sar, what was the outcome?

 

ABI

Link to post
Share on other sites

Hi abi, can't help you with a dispute letter but the signatures on my cca request were different from the original we had.

 

We queried it alongside our Insurances claim (amongst other things) but never had an answer for it. We haven''t pursued it as Welcome have agreed to pay back the ppi and other insurances and i'm pretty sure the only way to resolve the signature aspect would be to take them to court to claim damages.

We decided we were happy with claiming the insurances back as it cleared our account and we were not prepared to go to court with it as we really just wanted them off our backs and we were wary of how long it would take and how realistic an expectation of compensation from them would be considering their unstable situation at the moment.

 

Also we couldn't say with 100% certainty that we only signed one agreement, they may have had two copies we had to sign... we just can't remember. We weren't prepared to pay out for a forensic handwriting expert only to find we had made a mistake.

 

Good luck! Hope you succeed!

Link to post
Share on other sites

Hi emmilou, thanks for your response, regarding the signatures, my personal loan agreement matches exactly with their copy, but it appears that all the documents todo with my hp, the signatures don't match with the copies sent in sar, the statement of price etc. I'm sure there is something dodgy about my hp,

I will work it all out eventually, It is just a little scary when I don't fully understand all of my rights, The CAG has been a god send to me!!

Link to post
Share on other sites

abi,

 

i have my own thread ongoin (welcome finance unenforceable loan???), somebody has very kindly posted the dispute letter on there for me as i am soon to be at that stage, so if you go on and have a look and amend accordingly to suit your own circumstances

 

hope it works, good luck

Link to post
Share on other sites

Hi,

I am new to this site today in desperation as I have recieved a court notice from welsome for 28000!! I only borrowed 10000 in 2005! as a secured loan. My house got reposessed by the bank a few months later and welcome say the indemnity fee does not apply as they did not force the reposession! any ideas what to do as I am loosing all hope. I have to send the court a reply asap.

 

Thanks

Link to post
Share on other sites

Hi Postggj, If you are reading this, sorry to bug you, but I just wondered if you have the 'special letter' for me?

I'm not sure how to word the part about commision.

Thanks again for your help, hope your dongle is feeling better soon.

Link to post
Share on other sites

a woman from local office called lastnight, spoke to her she is claiming that my hp agreement has over £800 ountstanding to get it upto date, I believe i am only outstanding by octobers payment £272, I told her that £800 doesn't sound right to me, she said i need to come into office to look at a statement! She was very abrupt with me. she said I need to pay atleast £272, she asked what i am going to about payments, I said she should give me standing order details, she said she won't give them to me, but she will send a direct debit mandate.

she said I should come into office today, I said I would try, She is going to start calling soon, as i have not been in yet! dont

know what to do anymore,and she didn't even mention my personal loan!!

Link to post
Share on other sites

hiya abi, I had a row with my account manager today told him that im going into dept management programme he wasnt happy i told him enough is enough i offered a settlement which i thought was a fair offer but they declined it so im going down the route of debt management, I totally understand where u are coming from they are a nightmare.

Link to post
Share on other sites

Hi Guys i dont know much about this or the leaglaities as am fairly new however i do know that they are bullies and will try and get to pay by pressuring you. I would never go in and see them neither would i speak to them on the phone. If they are starting to be rude and pushy then get them to put everything in writing and do not take their calls. There are letter templates in here.

 

I havent read all the thread so sorry if you knew all this already.

 

Have you sent them a CCA request or SAR'd them?

Link to post
Share on other sites

hiya abi, I had a row with my account manager today told him that im going into dept management programme he wasnt happy i told him enough is enough i offered a settlement which i thought was a fair offer but they declined it so im going down the route of debt management, I totally understand where u are coming from they are a nightmare.

 

Hi Kupcake, I know they are a nightmare, have you managed to start your own thread yet? once your thread is up, people will be able to advise you,

Link to post
Share on other sites

Hi Guys i dont know much about this or the leaglaities as am fairly new however i do know that they are bullies and will try and get to pay by pressuring you. I would never go in and see them neither would i speak to them on the phone. If they are starting to be rude and pushy then get them to put everything in writing and do not take their calls. There are letter templates in here.

 

I havent read all the thread so sorry if you knew all this already.

 

Have you sent them a CCA request or SAR'd them?

 

 

He who dares, I have done a cca and a sar, cca came in the sar, but the signatures don't match mine.

I think I will send them the harassment letter because they call so many times in a day it's unbelievable,

Link to post
Share on other sites

Hi postggj, I have just noticed you are online!:)

I don't mean to harrass you, but just wondered if you have the magic letter for me? welcome local office are now harrassing me for direct debit mandate and payment, she is claiming i owe £800+ on my car, that cant be possible, I don't know what to do!!

 

I hope your dongle is better now!!

 

If you can please help me, I will be so greatful!!

Link to post
Share on other sites

:Dbump:D

 

postggj please can you help me when you get 5minutes?

 

Really need help putting a letter together regarding commision and forged signatures.

 

I have read wilson v herstanger, it's very interesting, but I just don't know how to word this letter. Welcome will start calling again tomorrow trying to get me to set up direct debit, she is becoming very pushy, please help.:)

Link to post
Share on other sites

Abi

 

Dont alert the **** to the forged signatures just yet.!! ..i would keep that up your sleeve..if ever you need it!!

 

RE: the commission, have they sent you the underwriting sheets??

i would try and hang fire with your letter and wait for post for another day or so...looks like he's having a pc/dongle nightmare again!!

ANYBODY WHO NEEDS INFO ON YOUR LEHMANS MORTGAGE

either SPML/PML/LMC/SPPL; the following are DIRECT tel#s,

of the investigating & prosecuting organisations: DONOT say you are from CAG-only directly affected or a concerned citizen.

 

1. Companies House: Kevin Hughes(Compliance Manager-main) @ 02920 380 633

2. CH : Lee Jenkins(prosecuting Amany Attia(MD) for SPML/PML) @ 02920 380 643

3. CH : Mark Youde(accounts compliance) @ 02920 380 955

 

4. Companies Investigation Branch(CIB) : Charlotte Allan @ 0207 596 6108

(part of the Insolvency Service) investigating all the Lehman lenders

 

5. CIB : Jeremy Pilcher('unofficial'-consumer/company lawyer) : @ 0207 637 6231

__________________

File YOUR 'Companies Investigation Branch'- CIB complaint online NOW!!!!

 

http://www.insolvency.gov.uk/complaintformcib.htm

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...