Jump to content


  • Tweets

  • Posts

    • hope everyone can see this (might be issues if not UK connection)   Post Office lawyer was a jack of all trades, but failed his own | ... WWW.COMPUTERWEEKLY.COM Post Office IT scandal inquiry hears how a lawyer was at the centre of the Post Office’s attempts to prevent problems with its IT system...  
    • as if a lawyer, let alone a senior one wouldn't have full documentation - if she claims she hasn't - claw back all the payments made to her   https://www.lawgazette.co.uk/news/post-office-inquiry-live-former-gc-susan-crichton-gives-evidence/5119453.article?clearcache=1
    • Id start by submitting a formal Subject Access Request to the local authority. State that you want all data including telephone recordings.   They'll have a month to provide you with the data and recordings then
    • a DCA is NOT A BAILIFF and have ZERO legal powers on ANY debt - no matter what it's type most doorstepper threats are usually just that. however if you want a good giggle if they do turn up to collect your doorstep. get your phone. film them do not engage simply state leave my property now and never return else i'll call police 101. ideally you should have been reading up during this +18mts sage. then you'd already know. dx  
    • you do not need a sep accredited jewellers report..how stupid. stop believing things someone says face to face that they would never put in writing. the judge would eat them for breakfast if they did, 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 
      • 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 Ppi Etc...


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

Thread Locked

because no one has posted on it for the last 5161 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

Received a letter or response last week from Wellscum after i approached them for cancellation of PPI and repayment including return of fees for life insurance and a mortgage indemnity fee wrongly applied to my loan ( i had over 120% equity at time of loan!)

Anyway, after a call from them telling me they had refunded me 12 pounds ( hooray!) i asked why my monthly payments had not altered. they replied that "of course they wont" eh? what? how does that work then? i have a clear breakdown of costings for each part of the loan and this must surely be reflected when this ppi taken off. Anyway, never mind, im not too bothered about this as i will be victorious anyway ;)

 

This letter then arrived asking me they could not accept my complaint until i filled out this questionnaire they attached. i, of course did not complete it as it was very spurious and it had a space for my signature, along with daft obvious questions like " when did you agree and sign for ppi?" ha ha do i look like i was born yesterday and cant see were you are going with this?!:eek:

obviously i did not complete this and instead sent another letter detailing my complaint and detailing various aspects of the sale and what i want. also stating i can prove these "errors".

 

i await a reply and in meantime and curious to know if anyone else has had this questionairre and its outcome historically.:!::?:

 

I have to admit this is rather new territory for me (just used to doing the banks for charges back) i am however enjoying giving this **** some payback as we were desperate at the time and i felt a proper low life having to go cap in hand to these filth. :sad:

 

any comments will help me take this forward..

Thanks in advance guys

Link to post
Share on other sites

hiya

 

this might be of help

 

Payment Protection Insurance (PPI) - The Consumer Forums

 

and moved your thread to the welcome fourms which if you have a read around should enlighten you

 

ida x

Please contact a member of the site team if you are offered help off the forum for a a paid or no win no fee service.

 

Please consider making a small donation to help keep this site running

Click here to donate through PayPal (opens in a new window)

Link to post
Share on other sites

I agree entirely that these questionnairs should never be completed, as the wording is biased in their favour should it ever get to the point where the fOS needs to adjudicate, or it gets to court.

 

In fact, I think it serves as a warning to all, NEVER to fill out such documents that arrive in response to ANY complaint against any company. They may appear entirely innocuous, and a simple way for that company to help you get your point across.

 

But in the vast majority of cases, they are drafted with a view to blowing your argument right out of the water.

 

In fact, it may be helpful to pass a copy of such questionnaires to the FOS when making your complaint, as this tactic is in itself cause for complaint and proof of such can only help strengthen your case.

Link to post
Share on other sites

We had one of these. We filled it in though. Whoops.

 

This was months ago at the very beginning of our complaint. We thought it best to fill it in and send it back, as you say, to get our point over correctly. no doubt we shall see how they intend to use this some time soon.

 

Cheers MARK

Link to post
Share on other sites

  • 3 months later...

you wont beleive this, but ive only just got a reply!!

Its basically a redrwn contract with no mention of refunding me.

Ive torn the contract up and chucked it in the bin... ill be sending them another letter tomorrow asking them "why the mortage indemnity fee is still on the new one"?! Total idiots...

Anyway, im going nowhere matey, i am very patient and i will mess with them until they pay up and cancel these illegal additions to the loan.

 

I think its time to go to FSA also now as ive plenty of ammo....

How should i do that and were do i start people?

Link to post
Share on other sites

No mate, not exactly. Sorry wasnt more clear....

Mif was on original agg but ive asked them to remove the mif,ppi and life ins. They replied with just removal of ppi. So theres no way i was signing it as it gives them power to say i now agree to pay it sort of thing...:(

Trouble is with these nobs is that when you have more than one issue, theres another dept to deal with it. So if you have three issues then you can almost hear the fuses inside thier brains blowing! This of course, also works well for them. These so called depts are probably soemone sat on the other side of the office tossing paper into a bin waiting for the phone to ring in thier "dept".

I almost had a brain heamaorage (cant spell) the other month trying to acheive the feat of someone dealing with more than one thing at a time!

 

Anyway, ive emailed the FOS tonight withthe statndard complaint form. Could not sign it though as its a pdf. So i will post one as well on Monday.

Dont know were i got "FSA" from!! Think im losing it...even managed to put PPE on form instead of ppi. the FOS will think that Welscum are selling protective hats now!

Anyway, will keep this post going to its bitter end...

Link to post
Share on other sites

Just thought....protective hats is a great idea for welscum, as it can protect their victims from the massive amount of cack that undoubtadly is about to land on them in the form of debt..

Link to post
Share on other sites

Mark1arby.

I agree, i should have kept that agreement instead of ripping it up in a temper. Lose your cool and lose the fight isnt it?

Good advice and i will not destroy anything from now on....

Link to post
Share on other sites

  • 2 weeks later...

Okay, today i got 2 letters, 1 from the FOS and one from the ****.

FOS letter was simply aknowledgement of receipt of complaint about wellscum and stated they are very busy so may wait a bit for actioning.. ive no prob with this as im patient chap ;)

Anyway, letter from wellscum says as ive not signed and returned their silly contract that in 2 weeks they would tear up my complaint (da da da daaa!) cue dramatic music... i of course will respond with recorded letter stating once again i want complaint left open and am willing to sign another contract as long as its has no ppi, no life insurance, and no mortgage indemnity fee!

Think the FOS are gonna have fun with this one. I cant wait to hear their excuse for ignoring these other items off the loan. "different depts" springs to mind as one possible or maybe "sorry, we are very stupid!" is another...

Anyway, did have small feeling of "should i have signed" but that was quickly dispelled and i will now soldier on.

Does anyone out there agree with my next move or suggest something else? I note with bemusement that no 2 cases are the same which smacks of total incompetence on welscums part.(i have at least 4 "final responses")

Link to post
Share on other sites

Soldiering on sounds like a good idea to me I had the same letter from fos far too busy with everyone else on this board :lol:

I am a consumer just like you, please get a second opinion or investigate yourself on anything I advise as I am in no way legally trained. Everything I know has come from the Mighty CAG and fellow CAGGERS. :cool:

 

If I have helped in any way please click my reputation star and make a donation to CAG to enable us all to continue to help each other :cool:

Link to post
Share on other sites

  • 2 weeks later...

Okay, got lette rfrom FOS. Had forgotten to put the final response letter in with the form! Never mind... good thing is, at least theyve read it! So delays may not be too long i hope. Sent it back Friday so alls well. Been looking around the threads for the Welscum and it dont look too good for them does it. I was tempted to ring them last week and when someone answered just laugh out loud for three minutes then replace the handset! Very childish i agree... but very rewarding overall. I will cry tears of joy the day this lot go under. Saying that however, i was amased to see yet another ****** company. ( quick quid or summit) advertising on the telly this week....over 2 thousand percent apr!!!!!!!! Jeeeeees! Cmon people dont do it, go without, go to prison or anything just dont sign!!! Hope this **** arent reincarnation of the ****... :mad:

beyondhope...have you heard anything yet?

Some people say the FOS are useless so if that is the case then whats my next logical step?

Link to post
Share on other sites

The next stage if no luck and your still not satisfied would be to instigate court action but for this you really need to do your homework and familiar yourself with the process and know exactly what you want and believe you can and will win. never threaten this unless you intend to take it all the way.

 

 

Link to post
Share on other sites

Hi martski still being totally ignored :rolleyes:

I agree with ozzys pointers on next course of action :)

I am a consumer just like you, please get a second opinion or investigate yourself on anything I advise as I am in no way legally trained. Everything I know has come from the Mighty CAG and fellow CAGGERS. :cool:

 

If I have helped in any way please click my reputation star and make a donation to CAG to enable us all to continue to help each other :cool:

Link to post
Share on other sites

  • 3 weeks later...

Just as an update, just got letter from FOS stating they have my complaint and will contact Welscum and come back to me. Usual stuff about 2 month wait minimum etc...

just glad the ball is rolling now...

sit and wait...

Link to post
Share on other sites

hope they dont keep u waiting too long :)

I am a consumer just like you, please get a second opinion or investigate yourself on anything I advise as I am in no way legally trained. Everything I know has come from the Mighty CAG and fellow CAGGERS. :cool:

 

If I have helped in any way please click my reputation star and make a donation to CAG to enable us all to continue to help each other :cool:

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...