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    • Just a typo change that I'd make for the last line. Maybe also add something that says "I assume you will be fully aware that you cannot rely on a clause of a contract that you do not produce."
    • Hello, Firstly, and most importantly I am sorry for your loss. I would go back to the bank with the death certificate and ask them to step in. Remind them firmly but politely that there is no limit for DD claims   Please let us know how you get on.
    • My wife is the named person to his bank account with him having Dementia being his daughter (I say named person she still is but he recently passed away and the deputyship application has now being stopped by the solicitor as it's no longer needed) We've only just got the Death Certificate so the bank will be the next step informing them. She went to the bank and explained the situation but even being his named person the bank said she didn't have the power to stop DD without any legal documents (virgin money) was the bank. She could have copies of bank statements that was about it.
    • I see you said you tried to stop the DD but it seems that didn't work. May I please ask why that didn't work? You should be asking your bank to cancel the DD and I don't see why they would have objected, hopefully you can clarify this. I agree that you should be making a claim here against your bank and ask them for a DD refund. There is no timeframes for this.
    • JK: Yeah That's correct. We left rent payment coming out of his bank account from January 2023 - August 2023 until we could find somewhere to sort out his belongings which was fine. I tried to give notice a few times from August 2023 asking for advice from Sanctuary housing how we went about this explaining his condition and that he was in a Nursing home from December 2022. I explained we don't have any legal powers to his account like POT but were in the process of going for Deputyship and that I was the named person to act on his behalf to speak with Santuary housing. I said we could provide details of his condition and proof he was now in a nursing home with date he moved in. This went ignored despite repeated attempts to contact them until a housing manager contacted us end of February 2024 and notice was finally accepted with his tenancy coming to an end March 22 2024. Although they have continued to take rental payments for the flat despite someone else living in it from the 1st April. I wasn't aware payments were still being taken till I checked his May banks statements. I had asked them to back date rental payments to August 2023 when I gave notice rather than just giving notice in March 2024 but they've ignored that bit. I don't see why they shouldn't give it back they've taken money they shouldn't have. Thanks DX, I wasn't aware we could do that for that length of time. I'll ask my wife to check with the bank this week
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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Help with Welcome Finance


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Hello Bee!

Hope you are well :)

When you sent your final lba did you give them a deadline for when you were going to file? Also, did you ask them for anything in particular as a resolution?

Cos you shouldn't really file until the date you told them, wouldn't want you looking unreasonable now would we?? ;)

 

Pigs might fly and they might respond favourably :D

 

Yes they have until 9am on 20th which was 14 days, they havent responded to this at all yet...

 

The response they have sent is responding to the letter before the LBA which i gave them 14days to respond to and they took 3 weeks :roll:

I wnt be filing until tuesday as thats a seperate issue I just dont know if its worth responding to this letter now they have eventually answered

 

*hello guest that is having a nice long read and has been here a good hour 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:

 

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Love their response letter, so does that give the answer to how much you have to pay???? (minus the car value? they repo'd!). You're very well organised beyond. Wish I had more time to be like you, need 2/3 days off work to get all my stuff in order again.

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Love their response letter, so does that give the answer to how much you have to pay???? (minus the car value? they repo'd!). You're very well organised beyond. Wish I had more time to be like you, need 2/3 days off work to get all my stuff in order again.

 

There has been no mention of repo at all :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:

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Personally I wouldn't bother responding. Your ultimate goal, (correct me if I'm wrong), is to have them face the consequences of unlawful rescission of contract and unlawful repossession and you be adequately compensated for their screw ups.

I think we both know they are not going to voluntarily admit liability and pay up! They will only do this if forced to by the court.

Give them until the 20th to respond, (I've got a fiver on them not responding in time!), and then file your claim. You can talk to them til you're blue in the face and eventually you'll get the "leave us alone we know we've screwed up" letter!

Then they'll do what they did with me; call your bluff and say "go on then, take us to court if you think you're hard enough!". And then you will take them to court :D

If I were you, I'd stick to the timeline I originally gave them. It really annoys me that you give them 14 days to respond to a letter and they take the pee and casually send you a bunch of cr*p 3 weeks later!! :mad:

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Personally I wouldn't bother responding. Your ultimate goal, (correct me if I'm wrong), is to have them face the consequences of unlawful rescission of contract and unlawful repossession and you be adequately compensated for their screw ups.

I think we both know they are not going to voluntarily admit liability and pay up! They will only do this if forced to by the court.

Give them until the 20th to respond, (I've got a fiver on them not responding in time!), and then file your claim. You can talk to them til you're blue in the face and eventually you'll get the "leave us alone we know we've screwed up" letter!

Then they'll do what they did with me; call your bluff and say "go on then, take us to court if you think you're hard enough!". And then you will take them to court :D

If I were you, I'd stick to the timeline I originally gave them. It really annoys me that you give them 14 days to respond to a letter and they take the pee and casually send you a bunch of cr*p 3 weeks later!! :mad:

 

This was my feeling but wanted someone else to say it :lol: Im glad they did send their cr*ppy late response though as to me it says yep we have underwriting sheets and nope you arent having them :roll: I wonder why :rolleyes:

9.30am on Tue Morn I will be visiting my red brick building im sure ;)

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:

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This was my feeling but wanted someone else to say it :lol: Im glad they did send their cr*ppy late response though as to me it says yep we have underwriting sheets and nope you arent having them :roll: I wonder why :rolleyes:

9.30am on Tue Morn I will be visiting my red brick building im sure ;)

I thought they didn't open til 10??? :D

Well absolutely! It's not like they said, "underwriting sheets??? What the devil are you talking about??!!" Ha ha! They just dig themselves deeper and deeper holes!!:-D

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I thought they didn't open til 10??? :D

Well absolutely! It's not like they said, "underwriting sheets??? What the devil are you talking about??!!" Ha ha! They just dig themselves deeper and deeper holes!!:-D

 

Ill be sitting on the doorstep :lol:

They sure do 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:

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Did you write "This is a Consumer Credit Act claim" in your particulars?

 

certainly did.

Any chance you could have a look at my tweaked one before i print yet again? 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:

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You'll prob get a fixed date note of issue like I did then. The practice direction 7b gives you a really good layout of what the procedure should be.

 

 

Have you got a link?

Aww bless the puppies dont tell my hubby hes desperate for a dog lol

Ill pm you it in a min xx

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:

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Have you got a link?

Aww bless the puppies dont tell my hubby hes desperate for a dog lol

Ill pm you it in a min xx

Well they'll be ready in about 8 weeks, they're gorgeous chocolate and black labradors. Check me out proud nanny ha ha!!

 

PRACTICE DIRECTION 7B – CONSUMER CREDIT ACT 2006 – UNFAIR RELATIONSHIPS - Ministry of Justice

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Well they'll be ready in about 8 weeks, they're gorgeous chocolate and black labradors. Check me out proud nanny ha ha!!

 

PRACTICE DIRECTION 7B – CONSUMER CREDIT ACT 2006 – UNFAIR RELATIONSHIPS - Ministry of Justice

 

 

OMG dont!! he'd snap ya hand off for one :lol:

 

Thank you will have a read just copy and pasting PM x

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:

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beyond how long roughly did WF take between your TN and actually taking the car?

Welcome Finance £5000 - 4 CCA requests 1 SAR pending,

Nationwide £283 (all made up of unauth charges) SAR pending

Capquest £2713.27 Statue barred debt - Prove it letter sent

Pounds till payday CCA request pending

Cashgenie CCA request pending

Quickquid CCA request pending

MEM CCA request pending

WGA - Payment plan agreed without any hassle :-o

Wonga £398 (£148 in charges) Complained to TS and OFT :grin: 1 CCA request pending

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beyond how long roughly did WF take between your TN and actually taking the car?

 

 

Hi Jo TN dated 1st feb, car taken 11th march

 

although it seems to be different depending on area and collection agent etc i was 5/10 so they were passed 10 on the same day

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:

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5/10 ?

Welcome Finance £5000 - 4 CCA requests 1 SAR pending,

Nationwide £283 (all made up of unauth charges) SAR pending

Capquest £2713.27 Statue barred debt - Prove it letter sent

Pounds till payday CCA request pending

Cashgenie CCA request pending

Quickquid CCA request pending

MEM CCA request pending

WGA - Payment plan agreed without any hassle :-o

Wonga £398 (£148 in charges) Complained to TS and OFT :grin: 1 CCA request pending

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5th out of 10 according to the fax

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:

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Well tomorrow 9am is the deadline no response as yet....wont hold my breath but you never know I may be surprised :lol: Just waiting on letter which hopefully will come tomorrow and then its game on!

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:

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Well tomorrow 9am is the deadline no response as yet....wont hold my breath but you never know I may be surprised :lol: Just waiting on letter which hopefully will come tomorrow and then its game on!

I'm so excited for you!!

It's the waiting afterwards that really does you in tho! They've got 3 days left to file a defence :eek:

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so claim going in after tomorrow? love it.

Welcome Finance £5000 - 4 CCA requests 1 SAR pending,

Nationwide £283 (all made up of unauth charges) SAR pending

Capquest £2713.27 Statue barred debt - Prove it letter sent

Pounds till payday CCA request pending

Cashgenie CCA request pending

Quickquid CCA request pending

MEM CCA request pending

WGA - Payment plan agreed without any hassle :-o

Wonga £398 (£148 in charges) Complained to TS and OFT :grin: 1 CCA request pending

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I'm so excited for you!!

It's the waiting afterwards that really does you in tho! They've got 3 days left to file a defence :eek:

 

Thanks hun :) Ive had a wobble following a post on here on another thread but its over now sod them they did wrong they have to face up to it!

As for defence for yours I wouldnt hold ya breath :lol: itll prob come in 2wks time if they even bother at all coz lets face it timescales mean nothing to them!

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:

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so claim going in after tomorrow? love it.

 

Letter im waiting for should come in post tomo if it does itll be going in tomo ;) if not as soon as that letter received in it goes :)

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:

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Thanks hun :) Ive had a wobble following a post on here on another thread but its over now sod them they did wrong they have to face up to it!

As for defence for yours I wouldnt hold ya breath :lol: itll prob come in 2wks time if they even bother at all coz lets face it timescales mean nothing to them!

A wobble?? What happened? :confused:

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