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    • Shein has been linked to unethical business practices, including forced labour allegations.View the full article
    • Hi I have to agree with @unclebulgaria67 post#3 For the funding side of moving to a new area and it being private supported accommodation I would also suggest speaking to private supported accommodation provider about funding but also contact the Local Council for that area and have a chat with them about funding because if you are in receipt of Housing Benefit certain Supported Accommodation that meets a certain criteria is treated as ‘exempt accommodation’ for Housing Benefit purposes but you need to confirm this with that relevant Council in your new area especially since it is Private Supported Accommodation as each Council can have slightly different rules on this. If you have a certain medical condition look up the charities and also have a wee chat with them as they may be able to point you to different Grants to assist with moving costs and your question about funding for private supported accommodation as well.
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    • Hi Sorry for the delay in getting back to you The email excuse and I do say excuse to add to your account and if court decide LL can't recoup costs will be removed is a joke. So I would Ask them: Ask them to provide you with the exact terms within your Tenancy Agreement that allows them to add these Court Fees to your Account before it has been decided in Court by a Judge. Until the above is answered you require these Court Fees to be removed from your Account (Note: I will all be down to your Tenancy Agreement so have a good look through it to see what if any fees they can add to your account in these circumstances)
    • Thank you for your responses. As requested, some more detail. Please forgive, I'm writing this on my phone which always makes for less than perfect grammar. My Dad tries but English not his 1st language, i'm born and bred in England, a qualified accountant and i often help him with his admin. On this occasion I helped my dad put in his renewal driving licence application around 6 weeks before expiry and with it the disclosure of his sleep apnoea. Once the licence expired I told him to get in touch with his GP, because the DVLA were offering only radio silence at that time (excuses of backlogs When I called to chase up). The GP charged £30 for an opinion letter on his ability to drive based on his medical history- at the time I didn't take a copy of the letter, but I am hoping this will be key evidence that we can rely on as to why s88 applies because in the GP opinion they saw no reason he couldn't drive i need to see the letter again as im going only on memory- we forwarded the letter in a chase up / complaint to the DVLA.  In December, everything went quiet RE the sleep apnoea (i presume his GP had given assurance) but the DVLA noticed there had been a 2nd medical issue in the past, when my father suffered a one off mini stroke 3 years prior. That condition had long been resolved via an operation (on his brain of all places, it was a scary time, but he came through unscathed) and he's never had an issue since. We were able to respond to that query very promptly (within the 14 days) and the next communication was the licence being granted 2 months later. DVLA have been very slow in responding every step of the way.  I realise by not disclosing the mini stroke at the time, and again on renewal (had I known I'd have encouraged it) he was potentially committing an offence, however that is not relevant to the current charge being levied, which is that he was unable to rely on s88 because of a current medical issue (not one that had been resolved). I could be wrong, I'm not a legal expert! The letter is a summons I believe because its a speeding offence (59 in a temp roadworks 50 limit on the A1, ironically whist driving up to visit me). We pleaded guilty to the speeding but not guilty to the s87.  DVLA always confirmed to me on the phone that the licence had not been revoked and that he "May" be able to continue to drive. They also confirmed in writing, but the letter explains the DVLA offer no opinion on the matter and that its up to the driver to seek legal advice. I'll take the advice to contact DVLA medical group. I'm going to contact the GP to make sure they received the SAR request for data, and make it clear we need to see a copy of the opinion letter. In terms of whether to continue to fight this, or to continue with the defence, do we have any idea of the potential consequences of either option? Thanks all
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Offer Of PPI Refund From Welcome Finance - Advice Please


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Hi there, In July I made a claim for two Mis-sold PPI's with welcome finance and today finally got an offer from them (they say on the letter that they disagree with my assertion but as a goodwill gesture are willing to pay full refund) They have offer one amount of £1888 and £1696 which will be sent to us via cheque.

 

I sent there my acceptance form to them today and would like to know if anyone else has ever had an offer and how long after sending your acceptance form did you recieve the funds?

 

Thanks In advance.

 

PS. I used ISmart to help and will have to pay them 20% they advised today that we will be invoiced for this.

 

Do Welcome finance send the cheques directly to me or to Ismart?

 

Thanks in advance would appreciated any success stories

 

Michelle

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How long had you been waiting till they replied?

 

Do you think we will get our cheques within next few weeks?

 

They replied to our initial complaint in about 2 weeks. They accepted that the insurances had been mis-sold in just over 4 weeks. It's been another couple weeks on top of that to get confirmation that the account will be closed (as were applying the refund to the account to clear it) and that the car (it was a hp loan) will be ours with no further monies owed.

 

I'm sure I read of a success story where they had a cheque within around 6 weeks of saying it would be refunded... could be wrong though, might be worth digging around in the other threads to see what their payout turnaround has been in other cases.

 

Martyn, let me see if I can dig out the letter I used, for you :)

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20%!!!!

 

Might I be so bold as to suggest that nobody else should shell out to any claims management [problematic].

 

There is virtually no way Welcome will get out of paying anybody's PPI back, especially once the FOS get involved. Having said that, Welcome seem to be making offers now without needing a prod from the FOS. So really, there is no need to have these [problematic] claim for you.

 

Personally, I'm of the opinion that if PPI WAS mis sold, then the entire agreement would be unenforcable anyway, certainly pre April 2007 agreements, and if they are still live accounts, I'd tend to offer the PPI refund as a Full and Final settlement in lieu of them sending a cheque.

 

For post April 2007 the agreement, again IMVHO, is shoite where PPI was mis sold. And would need a court order to enforce. At the very least, a judge would make them repay PPI payments. At best, he'd write the lot off and make them pay back every penny ever paid, plus interest. Unlikely, but you never know.

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Totally agree, didn't inform the FOS at all and they rolled over.... but only after I said I wanted the refund applied to the account and not sent via cheque. I think using the refund as a final settlement is a sensible point if it means not having anything to do with them any more which is the situation I now find myself in. :)

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They replied to our initial complaint in about 2 weeks. They accepted that the insurances had been mis-sold in just over 4 weeks. It's been another couple weeks on top of that to get confirmation that the account will be closed (as were applying the refund to the account to clear it) and that the car (it was a hp loan) will be ours with no further monies owed.

 

I'm sure I read of a success story where they had a cheque within around 6 weeks of saying it would be refunded... could be wrong though, might be worth digging around in the other threads to see what their payout turnaround has been in other cases.

 

Martyn, let me see if I can dig out the letter I used, for you :)

 

Emmilou

 

did you find your letter ? you can PM me if you want to

 

thanks

 

Martyn

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Just another word of warning to those considering using a claims management company...

 

Should Welcome for some reason (they ARE in danger of going into administration after all) not honour their offer, you will still be liable for the 20% fee to the CMC.

 

So not only MIGHT there be no cheque forthcoming, but you will be further in debt to a bunch of [problematic], potentially for hundreds of pounds.

 

And you could very well find yourself being hounded by Welcome's administrators, whose sole purpose in life will be to claw back as much cash as possible in as short a space of time as possible, in order to satisfy Welcome's many creditors. All of whom have very deep pockets.

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  • 7 months later...

hi

 

im new to this site does anyone have a letter that they sent in to reclaim the ppi ??? u can send it pm if you want i will let you know how i get on

 

 

previous success

 

bank of scotland £845 bank charges :D

bank of scotland £1057 ppi insurance (a friend did this one):D

 

 

thanks

 

richie

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Mine took ~10 days from accepting the offer, however the cheque that arrived was a couple of hundred less than i had accepted. I cashed it (thank you welcome) and then immediately sent them a copy of their original offer that i signed, with the letter that accompanied the cheque, stating i accept the cheque as part payment only and want the balance -

NB; Being pessimistic about welcome, i thought there was a chance the cheque may not be honoured, so took it to a cashing place who took £30 for cashing £700 - they had to ring welcome for an authorisation code and could not get through - after 40 mins they waived procedure and gace me the cash - looks like welcome are inundated with claims and pay outs :D

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  • 1 month later...
  • 1 year later...

Had a text today from Welcome asking me to contact one of their people on the 08452937427 number !

I will not be doing this as I have no reason to speak to them... the account is fully in order and have all the authorisation nos for payment... and being paid each month the full amount as this is a secured loan ...any one else had this recent ?

 

I will await a call to tell them to write to me if they wish to discuss anything ....got me wondering though ...only thing I can think of is I do not pay by direct debit !! ha ! ha! and i will not do either !

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