Jump to content


  • Tweets

  • Posts

    • deed?  you mean consent order you and her signed? concluding the case as long as you nor she break it's conditions signed upto? dx  
    • Well tbh that’s good news and something she can find out for herself.  She has no intention of peace.  I’m going to ask the thread stays open a little longer.   It seems she had not learned that I am just not the one!!!!  plus I have received new medical info from my vet today.   To remain within agreement, I need to generally ask for advice re:  If new medical information for the pup became apparent now - post agreement signing, that added proof a second genetic disease (tested for in those initial tests in the first case but relayed incorrectly to me then ), does it give me grounds for asking a court to unseal the deed so I can pursue this new info….. if she persists in being a pain ? If generally speaking, a first case was a cardiac issue that can be argued as both genetic and congenital until a genetic test is done and then a second absolute genetic only disease was then discovered, is that deemed a new case or grounds for unsealing? Make sense ?   This disease is only ever genetic!!!!   Rather more damning and indisputable proof of genetic disease breeding with no screening yk prevent.   The vet report showing this was uploaded in the original N1 pack.   Somehow rekeyed as normal when I was called with the results.   A vet visit today shows they were not normal and every symptom he has had reported in all reports uploaded from day one are related to the disease. 
    • Hi Roberto, Read some of the other threads here about S Sixes - they all follow the same routine of threats, threats, then nothing. When you do this, you'll see how many have been in exactly the same situation as you are. Keep us updated as necessary .............
    • Nationwide's takeover of Virgin Money is hitting the headlines as thousands of customers protest that they will not get a vote on whether it should happen.View the full article
    • unrelated to the agreement then, could have come from Lowells filing cabinet (who lowells - they dont do that - oh yes they do!! just look at a few lowell paypal EU court claim threads) no name and address for time of take out either which they MUST contain. just like the rest of the agreement then..utter bogroll that proves nothing toward you ... slippery lowells as usual it's only a case management discussion on 26 April 2024 at 10:00am by WebEx. thats good simply refer to the responses you made on your 4a form response only. pleanty of SPC thread here to read before the 26th i suggest you read at least one a day. dx  
  • 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 
        • 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 SAR Request - No Agreements


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

Thread Locked

because no one has posted on it for the last 5108 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

I made a SAR request to Welcome who have sent me absolutely everything they have on my account. All kinds of rubbish in code, copies of payments, statements of account......but no Credit Agreement copies.

 

So any suggestions on my next step ?? :)

__________________

Capital One - Took them to court and they settled for the full £998

Aqua - Threatened legal action, they refunded the whole £424

Barclaycard - Threatened legal action, they refunded the whole £636

RBS/Universa - 1st letter sent, settled for £132

Virgin Media - 1st Judge great....second Judge couldn't even be bothered to read the case details

Link to post
Share on other sites

I made a SAR request to Welcome who have sent me absolutely everything they have on my account. All kinds of rubbish in code, copies of payments, statements of account......but no Credit Agreement copies.

 

So any suggestions on my next step ?? :)

 

Couple of options really, you could take the softly softly approach and send them (recorded del) a gentle reminder that they have failed to comply with your DSAR.......list a few known missing items, remember to note that it is by no means an exhaustive list and see what they come back with. Wouldnt give them more than another 14 days though.

 

If you're in a pretty strong position and have no probs with litigation send them (assuming they've passed the 40 days) LBA and see if that gets a response.

 

DSAR encompasses all Data they hold on you (barring third party affected exclusions) including regulated agreement. Even if you havent specifically requested it in your application you will have requested all data along with that requiring manual intervention so it catches it on 2 points unless of course their credit agreements are automatically processed without requirement for signature from either party :D

 

Gez

Link to post
Share on other sites

Well the lack of two CCA's with the pack they sent me yesterday would explain why their branch office kept claiming to have sent it but I never received it. Then they supposedly requested it from Head Office. Nothing in the stuff they sent me about requests for the CCA's mind you :)

 

I think I'll go with the polite reminder first and point out how many times they've been requested it. Requests for the copies of the CCA's was the first thing in the list of stuff I sent them I wanted. Both agreements pre-date 2006 which (I think) was the electronic signature law change. First is 2003, second (I.E. the amendment of the first which turned out to my surprise to be an entirely new CCA) was 2004.

__________________

Capital One - Took them to court and they settled for the full £998

Aqua - Threatened legal action, they refunded the whole £424

Barclaycard - Threatened legal action, they refunded the whole £636

RBS/Universa - 1st letter sent, settled for £132

Virgin Media - 1st Judge great....second Judge couldn't even be bothered to read the case details

Link to post
Share on other sites

  • 1 month later...

Ok no CCA for the second "loan" which I was always led to believe was a reworking of the first loan. But both show on my credit file. First one being satisfied, second as being active.

 

So whats the best way to say "Oy no CCA, get lost" ?? :)

__________________

Capital One - Took them to court and they settled for the full £998

Aqua - Threatened legal action, they refunded the whole £424

Barclaycard - Threatened legal action, they refunded the whole £636

RBS/Universa - 1st letter sent, settled for £132

Virgin Media - 1st Judge great....second Judge couldn't even be bothered to read the case details

Link to post
Share on other sites

Have you made a separate CCA request with a £1.00 fee?

 

You can't send them the bog off letter and dispute until they are in a non compliant position with this.

 

The SAR would include the agreement but....... that would make it a request under the DPA which you cannot place the account in dispute with.

 

If you've done both and they've failed to send anything resembling a true copy then you are within your rights to place in dispute.

Link to post
Share on other sites

I specifically requested it under the SAR, and then chased it again. Welcome claimed they had sent it to me 3 times, (utter rubbish.)

 

I'll send them CCA requests. They did send the old satisfied one, but not the new one.

__________________

Capital One - Took them to court and they settled for the full £998

Aqua - Threatened legal action, they refunded the whole £424

Barclaycard - Threatened legal action, they refunded the whole £636

RBS/Universa - 1st letter sent, settled for £132

Virgin Media - 1st Judge great....second Judge couldn't even be bothered to read the case details

Link to post
Share on other sites

I double checked, and I did already send them CCA requests and paid them for them. They only provided the old satisfied CCA.

__________________

Capital One - Took them to court and they settled for the full £998

Aqua - Threatened legal action, they refunded the whole £424

Barclaycard - Threatened legal action, they refunded the whole £636

RBS/Universa - 1st letter sent, settled for £132

Virgin Media - 1st Judge great....second Judge couldn't even be bothered to read the case details

Link to post
Share on other sites

I double checked, and I did already send them CCA requests and paid them for them. They only provided the old satisfied CCA.

 

Hi echowitch,

 

In which case you can lawfully place the account in dispute....... would think it prudent for you to get another request in specifying the new account number though.

 

Most agreements will (rightly or wrongly) have a clause allowing the creditor to transfer all rights and duties to a new account number.

 

Gez

Link to post
Share on other sites

Already did that. I sent in CCA requests for both account numbers and the SAR.

__________________

Capital One - Took them to court and they settled for the full £998

Aqua - Threatened legal action, they refunded the whole £424

Barclaycard - Threatened legal action, they refunded the whole £636

RBS/Universa - 1st letter sent, settled for £132

Virgin Media - 1st Judge great....second Judge couldn't even be bothered to read the case details

Link to post
Share on other sites

  • 5 months later...

I sent Welcome a letter ages ago telling them that they had failed to provide any valid CCA and that I considered the account in dispute and they sent me this.

 

http://img140.imageshack.us/img140/4606/welcomeletter2.jpg

 

The original CCA shows very clearly as being satisfied, and they are unable to produce a second CCA. Regardless the 2.5k they claim I owe is 1.5k in penalty charges. This doesn't even take in to account the PPI on the two accounts. 750 on the first CCA, and about 1200 on the second.

 

Any suggestions on a next move ??

__________________

Capital One - Took them to court and they settled for the full £998

Aqua - Threatened legal action, they refunded the whole £424

Barclaycard - Threatened legal action, they refunded the whole £636

RBS/Universa - 1st letter sent, settled for £132

Virgin Media - 1st Judge great....second Judge couldn't even be bothered to read the case details

Link to post
Share on other sites

I was planning on doing that Im just kind of stuck on how to respond to their threat in the letter. As they have no provable 2nd CCA and the 1st is clearly showing as Satisfied on my Credit File surely they can't claim against me using the 1st CCA anymore ??

__________________

Capital One - Took them to court and they settled for the full £998

Aqua - Threatened legal action, they refunded the whole £424

Barclaycard - Threatened legal action, they refunded the whole £636

RBS/Universa - 1st letter sent, settled for £132

Virgin Media - 1st Judge great....second Judge couldn't even be bothered to read the case details

Link to post
Share on other sites

Hello everyone, How are welcome even still active honestly!!!!

 

Long Long VERY BLOOMIN LONG, story short lol, I have seriously had enough of Welcome Finance and need a bit of advice.

 

My husband took out a hire purchase agreement with welcome finance a few years ago before we got together and he missed a few payments here and there and had the usual abusive calls, letters and visits etc.

 

When we got together and i took over the finances, we paid welcome about £180.00 a month and kept up to date with payments apart from the odd time or two.

 

Everytime i called welcome to see how much was owed on the account, they would say £6500.00. Then 6 months later of £180.00 a month, i would ask again and they would say £6450.00 etc etc and it never seemed to budge and i couldnt see the light.

 

In July 2007 i had my youngest son and was on maternity and our finances took abit of a hit so i spoke to welcome to reduce the payments and they offered me a secured loan of £11000.00 to clear the £6000.00 or so i owed on the car and then i could have £5000.00 cash to help financially. Niavely i ripped their hand off as the £5000.00 was a god send at the time as i was falling behind with mortgage payments etc.

 

Got the loan and only received just over £3000.00 in cash as they said i owed penalties etc on the car etc etc and the interest on the new loan meant i was paying £19000.00 in total.

 

Anyway to the point, i have had the loan just short of 3 years and i am in arrear by £850.00 due to past difficulties which i am due to clear shortly and i needed to delay this months payment by 1 WEEK only, not miss it all together but just delay it due to my husband being off work ill and the abuse i got was unreal!!! have you no credit cards, can your parents not pay it etc ect the cheeky so and so's (i think you all no the translation for that).

 

Anyway i am fed up with the abuse they give and the threatening messages of reposession and i have sent a £10.00 cheque recorded for the CCA and SAR documents. I am told i dont have PPI which i dont think i do but i know i have god knows how much in unfair interest, capitilisation and contact fees and was just looking for advice on who to contact to check my agreement once i receive it to see if it is valid etc, would appreciate some contact details of companies or something that can do this as most companies just advertise for PPI help which again i dont think i have. Thanks All

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...