Jump to content


  • Tweets

  • Posts

    • Hi and thanks It looks like they ticked all the boxes to me but I'll try and upload the notice. I was wondering if a witness to late delivery might be considered proof - I'm assuming they posted it as normal but Royal Mail stuffed up delivery. If not then they're really saying it just has to be posted within 12 days of the incident, regardless of when it is received. Annoying! edit ok thanks Honeybee here's my 2nd (actually 3rd) attempt at anonymising, copying and uploading the notice! Sorry about the state of it - I sat on it while distracted by my dog 🙃 pcn front.pdf pcn back page.pdf
    • ROFL - dont get upset just because someone (quite a lot of someones) dont want smart meters - well unless you get paid for it .. in which case ...   I assume you haven't been with Octopus long enough to be on one of the very long fixed price tariffs they offered before the prices went bonkers .. and that you dont use your electricity in the evening/lunch time if you think the 'agile type tariffs are good value .. let alone worth installing a smart meter for - high price a good disincentive for an evening cuppa eh? Let alone all your computer/tv etc time in the peak price evening or lunch time. - and boy do those peak prices instantly hammer your bill when those Russian and middle eastern issues kick off.   I would only have considered a smart meter if solar panels had been an option for me - but roof is oriented completely the wrong way. Oh - and My opinion hasn't changed since the smart meter trials 40 years ago, because neither have the issues (well not enough) but I'm happy for you. Be happy for me.
    • Hi. I'm afraid I've had to hide your post with the pdf files to keep this anonymous for you. You've left the PCN reference number and your car reg showing. Could you edit that and repost please? HB    
    • Well naturally if you want to maintain your outrage, and retain something to bitch about, then arguing about the level of your fixed monthly DD is the way to go. You are of course perfectly free to ignore the easy solution.
    • His financial situation isn’t great, and the landlord has made lots of things up. The things he’s put isn’t true at all. My friend did tell the full truth with incoming and outgoing, I helped him fill in his form and he checked bills etc. to make sure it was right. His wage is ok, but not as good as the landlord thinks it is,  and he doesn’t have anything spare. How much are they likely to take from him? Should he send any reply?  the letter just says to take the court letter with him. 
  • 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

Help with Welcome Finance


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

Thread Locked

because no one has posted on it for the last 4807 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

Well Your Case Is Different To The Norm

 

Yours Is Not Only An Unexecuted Agreement, Its All Rollocks.

Welcome Will Still Update Your Credit File Each Month/charges And Default You Etc Etc

 

We Can Deal With This As The Account Is In Dispute And As Its Obviouse Creative Accounting Has Been Used, I Would Do The Following Prior To Any Court Action By You

 

Ill Do A Letter For You To Send The Info Commissionair Office

 

As The Agreement Has No Power In Law, Ill Request The Ico Order Welcome To Remove All Entries On Your Credit File

 

Failing That, Court

 

I Would Love Welcome To Explain This One In Fron Of A Judge

Link to post
Share on other sites

  • Replies 1.9k
  • Created
  • Last Reply

Top Posters In This Topic

Top Posters In This Topic

so would i now send an 'account in dispute letter'?

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

Thanks post that would be helpful! so next step is tell them its in dispute?

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

is there a particular one i need to send as obviously its not that they havent produced cca they have just not answered the question giving them 14 days

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

Check Back Later This Afternoon

 

I May Have To Slightly Cut And Paste A Few Things

 

Well We Got There In The End

 

Your My Second Welcome Result This Week

 

 

Keep The Money In Your Bank Account

 

Keep An Eye On It Incase Welcome Try And Redo The Dd

 

If They Have Your Card Details

 

Get New Cards

Link to post
Share on other sites

I will cancel the DD online now and keep an eye as it isnt due until next week anyway by which time they will have had in dispute letter. They don have card details as far as im aware.

 

Cant wait to see your letter and wish I could be a fly on the wall to see their faces when they see your letter!

 

Will check back later on envelope is at the ready :)

 

Congratulations on second result this week you are a star! :0)

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

ooo where did it go hehe

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

no worries thanks post :)

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

Hey post I know you are busy any news on letter only asking as I want to make sure they get it before payment due thanks again :D

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

please can someone help me ( im sorry for using the same thread but im being a bit stupid and cannot figure out how to start my own :-(

 

I took out a loan with Welcome finance in 2007 the total loan amount was for $5700. Plus acceptance fee at $195.00 and interest at "17%" which made interest of $3000?

Interest on this amount made the total amount to be repaid Total amount calculated at $8901.36.

The loan was for 36 months November 2007 – November 2010.

I have paid 247 each month for 23 months therefore paying $5681.

Below are some settlement figures I have been given – I think there is a problem with the " settlement figure computer!?

  • November 23rd settlement figure $3124.40
  • October settlement figure $3338.10

I've done a few simple calculations:

Total debt ( $8901.36) – Amount Paid So Far ( $5681) = $3220.36 ( amount remaining if paying for 36 months)

Then I moved on to calculate what the benefit of me paying 12 months early would be…….

Again some more calculations:

Amount remaining if paying for 36 months ($3220.36) – settlement figure ( $3124.40) = $95.96

This means for an early repayment "reduction" of $95.96.

I've been advised that the settlement figure = (Balance at the time – interest – acceptance fee)

Now if I were to work out the interest (3000) over the 3 years I would think that this would be 3000 divided by 3. Meaning that the interest I pay is roughly 1000 per year….

Therefore, I could only assume that If I were to pay 12 months earlier – the 1000 would be deducted??

Am I missing something?!!?

Please can someone help me!!!!!! L

Link to post
Share on other sites

Hi Tia sorry im not going to be much help coz im still learning but if you want to create your own thread so more people will see it who will be able to help click the link below :) sorry im not more help x

 

Welcome Finance - The Consumer Forums just under the notices box before the start of threads is a button with new thread on it :)

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

No problem - best of luck :)

 

Any news on letter Post? :)

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

i posted succsessfully - woop woop.. also got a reply so used my new info to call welcome and talk about this discrepancy.... anyway... after explaining to me for 20 minutes why she was too busy to talk right now... my " account manager" told me she would call me back in one hour - as she is busy ... i tried to explain that im busy too - but nothing... apparently she needs to check with the IT team because the computers may be broken..... and thats why they are giving an incorrect settlement fee.... mmmm :-) " computer says no anyone!?"

Link to post
Share on other sites

Sounds about right :rolleyes: never their fault :rolleyes: good luck with sorting it sounds like you have made a good start already despite them stalling! :cool:

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

:-)

 

im very close to loosing my temper.... if i didnt love my car so much id drive it into their office......literally.

 

at least i made these mistakes early in life.....im never going anywhere near welcome ever again.....id rather couge my eyes out. saving for me from now on!

Link to post
Share on other sites

They are pretty infuriating to say the least!

 

I wouldnt damage the car on their walls ;)

 

Same with us we will have a near clean slate once these cowboys are rid of - sooner the better i say!

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

i know im a nag lol *bump for letter from post * :D

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

No worries thanks post you are a star!! i just want it gone so they cant moan when payment doesnt appear on monday ;)

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

hi post you said catch up with you tomorrow im about all evening now :)

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...