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    • Not really. His claim will succeed simply because its a simple matter of a lost parcel and no insurance. Its not a complex case so I think he’ll be fine, especially as it is P2G who arent very good at defending claims but I ageee its not been handled at all well.   My only concern with withdrawing is that he loses £35 in the case of £240 but thats a matter for him   I dont think it has a reduced chance of success if OP actually replies and actions things but if not then ofcourse it will struggle.   My concern is if he starts again it’ll be just as sporadic.   Maybe close thread and let him make a new one if hes ready to engage?
    • Please will you start reading up on the stories on the some form especially the pinned post. I have to say that I'm concerned that you feel that a warning from P2G is going to affect your rights and is going to subvert statutory law. I think you've been here for a few months and I would have hoped that by now you would understand that terms and conditions must always be interpreted in the light of overriding statute. Also I suggested that once you have done the reading on the sub- forum then you would understand the information that we would need in order to give you the best help. The fact that you haven't told us what the item was suggested also that you haven't done the reading. Please give us full details including identity of the item, value, where these properly declared? Dates – blah blah blah. Not paying attention to P2G. Pay attention to us
    • P2G can make clear whatever they want frankly, the judge isnt going to sit there and go “they told you to buy their insurance and you didn’t” and then dismiss your claim.  I would say you should send a formal complaint then after 7 days sent a LOC. Day 21 from now submit your claim on OCMC.    
    • I thought i could just use ( copy and paste)  the terminology from my other post earlier in the year when i previously claimed against P2g .   The parcel hasnt been 'officially ' lost yet i have another 13 days before their 'investigation' ends and then theyll probably offer the postage back as i didnt take the 'insurance'   But to recap ,  The parcel was booked through P2g and sent with Evri. No Protective Insurance was taken out. The parcels value is only £48 plus postage of £3 and the value of the parcel was declared The parcels tracking says while it was in Evri's system it was sent to an 'incorrect' depot and tracking would be updated in 24 hrs which it didnt and the delivery date passed, i then had a live chat with P2g who opened an investigation and im waiting to hear what's happened. My only concern is,  last time i claimed P2g made it clear that in future i must take out their protective insurance which i gavent and im wondering whether this will ' complicate' things ...  
    • it is precisely for these reasons that the OP should withdraw the claim and begin again. Firstly, the case has been badly handled from the start. The OP hasn't come to us and stuck to it in a regular engaging way. Secondly, it seems that the OP is now being advised on the basis of it being a matter of principle rather than looking at a sensible and pragmatic outcome. We have a duty to the people who come to help us to try and get the best solution for them that we can. Secondary is that we want to notch up a further victory against the parcel delivery industry – and frankly it doesn't matter which company it is as long as we get a victory. If we simply urge someone to continue a case at their own expense in a claim which has a very reduced chance of success, simply because it gives us personal satisfaction, then this is really contrary to what we do and certainly contrary to the interests of the claimant. I'm now urging the OP (Original Poster) to withdraw and to start again and work with us very closely in order to get a much more certain victory. By continuing this claim, not only with the OP risk even more money, it will take more time in the sense of failure will be demoralising. Better to feel that one is in control by exercising one's own choices and taking the long view
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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.

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      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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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Welcome Finance - where do I stand?


bettyboop35
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Good evening, would like some advice regarding Welcome to try and get rid of them. Details as follows:-

 

£15,000 credit fixed sum loan agreement dated 22/11/05. 180 months. Monthly payments £229.42. APR (variable) 18.20%.

 

Total Charge for credit - £26295.65

 

Broken down as to:-

 

Acceptance fee £235.00

Mortgage Ind fee £1650.00

Interest Charge £24410.65

 

The agreement was signed by me on 09.11.05 and was not signed by "a witness to customer signature" and Welcome Finance until 22/11/05, certainly not on their business premises. A copy was posted to me after that date. I then received a letter from 1st Stop Finance enclosing a new legal charge to be signed as they had filled in an incorrect title number on the first legal charge. This I did not sign nor send back.

 

On 19 April 2006 a B133 (Notice to a registered proprietor of an application to enter a unilateral notice was sent to me, this application being loded by Progressive Fin Serv Ltd Sub Apps, without my signature.

 

I also received a Direct Debit Mandate which I did not sign, as it related to a Personal Loan Agreement signed on Trade Premises. By signing I would have declared that the Agreement was signed at the business premises, which it was not.

 

I then received several letter from Lewis Debt Recovery asking me if I would "like to save £16802.75", by paying an amount of £9047.64, which I have ignored. I have had further letters entitled "An Opportunity Too Good to Miss!" dated 2nd and 15th September 2009 concerning "possible settlement of this debt".

 

Any feedback would be greatly appreciated :confused:

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That will be similar to the message left on my phone saying "Please phone for some fantastic news!"

 

:D

 

It sounds as if somebody has actually bothered to look through your paperwork and thought a "Mr Nice Guy" approach would work best. I assume that if Lewis is sending you stuff you have either stopped paying, or are in arrears?

 

I'd tend to leave well alone until there is more concrete news about Welcome's future. Or lack of it.

 

Might be an idea to pop a copy of so-called agreement up for an opinion of enforcability though. Forewarned is forearmed.

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Thanks for the quick response, greatly appreciated. I will scan a copy of the agreement on to here tomorrow morning and would again appreciate your opinion.

 

Yes, in arrears at mo with payments, however no nasty letters received to date, only the Lewis ones. Are Welcome really in trouble?

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for a start, you need to send this by recorded delievery to this address

 

welcome financial services

compliance

ruddington fields business park

ruddington

nottingham

ng11 6nz

 

enclose a £10 postal order and send recorded

 

 

[your address]

 

 

 

[their address]

 

 

[DATE]

 

 

 

Data Protection Act 1998

Subject Access Request

 

 

 

Dear Sir/Madam

 

 

ACCOUNT NUMBER: xxxxxxxxx (or multiple numbers if more than one account)

 

 

Please supply me with copies of all the data which you hold on me in relation to any matter and in any form and for any period of time.

Please note that I require disclosure of any personal data which you hold on me for the entire period of my dealings with you.

The Subject Access is not limited to my transaction history and it is not linited merely to 6 years of historical information.

Additionally, where there has been any event in my account history over this period which has required manual intervention by any member of your staff, or any other person, I require disclosure of any indication or notes which have either caused or resulted in that manual intervention, or other evidence of that manual intervention in relation to my financial business with you.

I require all information on details of all insurance products supplied by welcome financial services. This is to include the statement of means, statement of price, details of all insurance premium tax paid, and underwriting sheets.

If mortage indemnity insurance has been added to the agreement, i require all details on who this premium was paid to, and who underwrites this insurance.

 

If you are unable to supply this data because there has been no such manual intervention, then please be so kind as to confirm this in your response.

 

I enclose the statutory maximum fee of £10. You have 40 days in which to comply. Furthermore, if I discover that you have levied disproportionate penalties or charges which are invalid under the Unfair Terms in Consumer Contracts Regulations against me, then I shall be reclaiming them together with any interest charges which you have levied on them.

As it is your wrongdoing and mishandling of my account which has created the necessity for this Subject Access Request, I shall also be reclaiming the enclosed £10 DPA subject access request fee.

 

If there is specific information which you require in order to satisfy yourself as to my identity, please let me know by return. However, please note that the above address is the one which you normally use to communicate my private business to me and which you have hitherto found to be acceptable.

I would be happy to collect the Data from my local branch.

 

 

Yours faithfully,

 

 

[signature]

 

 

[name]

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Ime Getting Confirmation But I Think I Have Just Made You A Very Happy Bunny

 

Ill Post The Agreement Up Onto Your Thread But As Well As Charging Mortage Indemnity Fee On A Loan Below 25 K, Not A Mortage

 

You Are Being Charged Interest On This Fee:D

 

I NEED IT CONFIRMED THOUGH

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