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    • I'm trying to understand the whole story.   However it would help if you would identify the companies you have been dealing with
    • @honeybee13I genuinely think Boris is confused about what to do. Economic disaster v even more unexpected deaths.    The big problem with this virus is that many people have very mild symptoms or no symptoms at all, but can still pass on the virus to others.    And with winter bugs having some similar symptoms to CV-19, there are probably thousands in workplaces with CV-19 who just don't know they are risking others lifes.   If Government are going to lockdown the country for a period, it has to be really strict and that includes schools and Colleges.  They should have done this in a planned way around the half-term period.   
    • So you have been receiving more messages and threats??  This is what they do.   You are starting to feel nervous and worried??  That's why they do it.   Are you starting to think it might be better simply to pay???  Then it's job done.
    • From Dan Bloom on Twitter lst night.   'So in summary: Sept 21: SAGE calls for 2-3 week lockdown. PM refuses.   Oct 13: Keir Starmer calls for 2-3 week lockdown. Govt source brands him a “shameless opportunist”.   Oct 30: Government scientists say it’s now too late for a 2-3 week lockdown and it’ll have to be longer.'   And it's been announced to the Mail and the Times, not to Parliament. That's an odd way to run a country.
    • Thank you for the reply - I'm half expecting them to either drop the whole thing or to spring the "We had to tell the court that you don't want to pay so we're going to restart proceedings" idea given the language in the consent order that I signed with them. Going to read up and prepare to defend in case they fancy playing that game. It'd be nice if they would actually play by the rules for once...
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    • Hermes lost parcel.. Read more at https://www.consumeractiongroup.co.uk/topic/422615-hermes-lost-parcel/
      • 49 replies
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    • I came across this discussion recently and just wanted to give my experience of A Shade Greener that may help others regarding their boiler finance agreement.
       
      We had a 10yr  finance contract for a boiler fitted July 2015.
       
      After a summer of discontent with ASG I discovered that if you have paid HALF the agreement or more you can legally return the boiler to them at no cost to yourself. I've just returned mine the feeling is liberating.
       
      It all started mid summer during lockdown when they refused to service our boiler because we didn't have a loft ladder or flooring installed despite the fact AS installed the boiler. and had previosuly serviced it without issue for 4yrs. After consulting with an independent installer I was informed that if this was the case then ASG had breached building regulations,  this was duly reported to Gas Safe to investigate and even then ASG refused to accept blame and repeatedly said it was my problem. Anyway Gas Safe found them in breach of building regs and a compromise was reached.
       
      A month later and ASG attended to service our boiler but in the process left the boiler unusuable as it kept losing pressure not to mention they had damaged the filling loop in the process which they said was my responsibilty not theres and would charge me to repair, so generous of them! Soon after reporting the fault I got a letter stating it was time we arranged a powerflush on our heating system which they make you do after 5 years even though there's nothing in the contract that states this. Coincidence?
       
      After a few heated exchanges with ASG (pardon the pun) I decided to pull the plug and cancel our agreement.
       
      The boiler was removed and replaced by a reputable installer,  and the old boiler was returned to ASG thus ending our contract with them. What's mad is I saved in excess of £1000 in the long run and got a new boiler with a brand new 12yr warranty. 
       
      You only have to look at TrustPilot to get an idea of what this company is like.
       
        • Thanks
      • 3 replies
    • Dazza a few months ago I discovered a good friend of mine who had ten debts with cards and catalogues which he was slavishly paying off at detriment to his own family quality of life, and I mean hardship, not just absence of second holidays or flat screen TV's.
       
      I wrote to all his creditors asking for supporting documents and not one could provide any material that would allow them to enforce the debt.
       
      As a result he stopped paying and they have been unable to do anything, one even admitted it was unenforceable.
       
      If circumstances have got to the point where you are finding it unmanageable you must ask yourself why you feel the need to pay.  I guarantee you that these companies have built bad debt into their business model and no one over there is losing any sleep over your debt to them!  They will see you as a victim and cash cow and they will be reluctant to discuss final offers, only ways to keep you paying with threats of court action or seizing your assets if you have any.
       
      They are not your friends and you owe them no loyalty or moral duty, that must remain only for yourself and your family.
       
      If it was me I would send them all a CCA request.   I would bet that not one will provide the correct response and you can quite legally stop paying them until such time as they do provide a response.   Even when they do you should check back here as they mostly send dodgy photo copies or generic rubbish that has no connection with your supposed debt.
       
      The money you are paying them should, as far as you are able, be put to a savings account for yourself and as a means of paying of one of these fleecers should they ever manage to get to to the point of a successful court judgement.  After six years they will not be able to start court action and that money will then become yours.
       
      They will of course pursue you for the funds and pass your file around various departments of their business and out to third parties.
       
      Your response is that you should treat it as a hobby.  I have numerous files of correspondence each faithfully organised showing the various letters from different DCA;s , solicitors etc with a mix of threats, inducements and offers.   It is like my stamp collection and I show it to anyone who is interested!
        • Thanks
        • Like

Help with Welcome Finance


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I wasnt aware of the importance to the invalid default thread :lol: still not entirely sure now seens as they carried on regardless but hey ho all will become apparent im sure :)

 

very true bee, also these issues are not just limited to welscum niether, (these creeps are all tarred with the same brush), reading around the threads it is looking pretty good for dodgy default notices, these judges are finally realising that the regs on a default notice clearly state.

 

"MUST" - "SHALL CONTAIN" - "ACCURATE" ;)

 

cab

Cab1ne-Lombard-Shoosmiths **Claim Recieved**

http://www.consumeractiongroup.co.uk/forum/showthread.php?181761-Cab1ne-Lombard-Shoosmiths-**Claim-Recieved**/page25

Summary Judgement 01/02/2011 **REFUSED** set for trial "May 23rd To June 30th 2011"

DISCONTINUED 3rd MAY 2011 **WON**

 

santander" Responsible Lending!!!!!!!

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?219431-quot-santander-quot-Responsible-Lending!!!!!!!

 

Capquest "V" Cab1ne

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?262962-Capquest-quot-V-quot-Cab1ne

 

"STAYED"

 

CAB "Sittin Tight"

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very true bee, also these issues are not just limited to welscum niether, (these creeps are all tarred with the same brush), reading around the threads it is looking pretty good for dodgy default notices, these judges are finally realising that the regs on a default notice clearly state.

 

"MUST" - "SHALL CONTAIN" - "ACCURATE" ;)

 

cab

 

and not before time!

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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and not before time!

 

thank dog our agreements are pre april 2007:D

 

cab

Cab1ne-Lombard-Shoosmiths **Claim Recieved**

http://www.consumeractiongroup.co.uk/forum/showthread.php?181761-Cab1ne-Lombard-Shoosmiths-**Claim-Recieved**/page25

Summary Judgement 01/02/2011 **REFUSED** set for trial "May 23rd To June 30th 2011"

DISCONTINUED 3rd MAY 2011 **WON**

 

santander" Responsible Lending!!!!!!!

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?219431-quot-santander-quot-Responsible-Lending!!!!!!!

 

Capquest "V" Cab1ne

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?262962-Capquest-quot-V-quot-Cab1ne

 

"STAYED"

 

CAB "Sittin Tight"

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thank dog our agreements are pre april 2007:D

 

cab

 

mine isnt :confused:

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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mine isnt :confused:

 

"dont worry" it only changes the enforceability issues:) (not

even a judge can un terminate).

 

cab

Cab1ne-Lombard-Shoosmiths **Claim Recieved**

http://www.consumeractiongroup.co.uk/forum/showthread.php?181761-Cab1ne-Lombard-Shoosmiths-**Claim-Recieved**/page25

Summary Judgement 01/02/2011 **REFUSED** set for trial "May 23rd To June 30th 2011"

DISCONTINUED 3rd MAY 2011 **WON**

 

santander" Responsible Lending!!!!!!!

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?219431-quot-santander-quot-Responsible-Lending!!!!!!!

 

Capquest "V" Cab1ne

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?262962-Capquest-quot-V-quot-Cab1ne

 

"STAYED"

 

CAB "Sittin Tight"

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"dont worry" it only changes the enforceability issues:) (not

even a judge can un terminate).

 

cab

 

omg my heart sank then :p i dont suppose unenforceable matters when the unenforceable agreement is no longer.....

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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omg my heart sank then :p i dont suppose unenforceable matters when the unenforceable agreement is no longer.....

 

:p and the default regs are still strict.

 

cab

Cab1ne-Lombard-Shoosmiths **Claim Recieved**

http://www.consumeractiongroup.co.uk/forum/showthread.php?181761-Cab1ne-Lombard-Shoosmiths-**Claim-Recieved**/page25

Summary Judgement 01/02/2011 **REFUSED** set for trial "May 23rd To June 30th 2011"

DISCONTINUED 3rd MAY 2011 **WON**

 

santander" Responsible Lending!!!!!!!

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?219431-quot-santander-quot-Responsible-Lending!!!!!!!

 

Capquest "V" Cab1ne

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?262962-Capquest-quot-V-quot-Cab1ne

 

"STAYED"

 

CAB "Sittin Tight"

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:p and the default regs are still strict.

 

cab

 

I guess thats the one thing thats on my side :)

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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I guess thats the one thing thats on my side :)

 

was'nt it, the default notice that won MandM's case:D

 

cab

Cab1ne-Lombard-Shoosmiths **Claim Recieved**

http://www.consumeractiongroup.co.uk/forum/showthread.php?181761-Cab1ne-Lombard-Shoosmiths-**Claim-Recieved**/page25

Summary Judgement 01/02/2011 **REFUSED** set for trial "May 23rd To June 30th 2011"

DISCONTINUED 3rd MAY 2011 **WON**

 

santander" Responsible Lending!!!!!!!

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?219431-quot-santander-quot-Responsible-Lending!!!!!!!

 

Capquest "V" Cab1ne

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?262962-Capquest-quot-V-quot-Cab1ne

 

"STAYED"

 

CAB "Sittin Tight"

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was'nt it, the default notice that won MandM's case:D

 

cab

 

most certainly was :)

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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Morning all.

I had a conversation with a guy who stated he was from the accounts department at a local office of Welcome in the Midlands. He had called on my son who has a loan with them for a vehicle. This man had no ID and said that he had left it in his car. Having told him what I did for a living he scuttered off as I said I wanted to see some. He then bought back a receipt book as a proof of his ID.

I asked him what he wanted and he claimed that the reason he had called was to get my son to sign a piece of paper informing Welcome Finance of a change of address. My son was advised not to sign it and I enquired why that needed to be signed as it was apparent that Welcome new his address as he was stood in the property.

My son wants rid of the car and also Welcome Finance and this was put to this man who stated that he was taking his company hat off to advise my son.

He stated that Welcome Finance are in trouble and that the company will fold however, he claim they will continue to trade and attempt to claw back any monies owed. He is of the opinion that this will continue for the next two years.

I put it to him that he had bought my sons loan and he claimed that he had not.

He then stated that my son owed about £7000 and if he was to get that loan sum below £5000 by perhaps selling the car it would be unlikely that Welcome Finance would chase the loan because of the situation they are in.

We left it that my son and I would discuss it and make contact.

The one thing that I forgot to mention to him was that I had my company hat ON and recorded all ofthe conversation.

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ooo curiosity killed the cat dont ya know :lol:

 

Thanks cab I await with interest :)

 

I now know that payments should still have been made whilst in despite but was lead to believe otherwise at the time so arrears are purely from when the account was in dispute there were none before hand as far as im aware and going on the amounts on the notices it would appear thats correct.

 

Why do you say you Should have made payments while the account is in dispute? Is this purely because you would have kept the arrears down or do I get an inkling that you now believe you Had/ Have to pay? :?

 

Surely that is still up to the individual to decide whether to make the payments or not. The **** have Always been entitled to Ask for payment!

 

Cheers, MARK ;)

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Iana, that's a very interesting read :) but we need to know more details. Probably be best if you started your own thread so you can get all the help you need.

“First they ignore you, then they laugh at you, then they fight you, then you win.” - Ghandi

"You must have the resources to deal with the judicial intervention - the confidence not to be overawed, the resilience to respond, the tenacity to challenge, the tact to mollify, the authority to inform and persuade."

 

Strength does not come from winning. Your struggles develop your strengths. When you go through hardships and decide not to surrender, that is strength.

 

<-- If I have helped in any way please click my star!! ;)

Oh and I am a lady!! :)

 

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Why do you say you Should have made payments while the account is in dispute? Is this purely because you would have kept the arrears down or do I get an inkling that you now believe you Had/ Have to pay? :?

 

Surely that is still up to the individual to decide whether to make the payments or not. The **** have Always been entitled to Ask for payment!

 

Cheers, MARK ;)

 

I believed that whilst not paying I wouldnt accumalate arrears due to account being in dispute now know this is different and would probably have avoided it if i could although I wouldnt have had the dodgy default then. I only feel like it because them taking the car is causing no end of problems :(

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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good job you accepted termination then, "phew"

 

cab

 

Is it worthwhile writing to Welcome and accepting their termination then? They terminated my account back in August 08, I'll happily write a letter to them and accept their unlawful termination, I have the same dodgy default ad termination as most people on here have.

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Is it worthwhile writing to Welcome and accepting their termination then? They terminated my account back in August 08, I'll happily write a letter to them and accept their unlawful termination, I have the same dodgy default ad termination as most people on here have.

 

 

Im unsure on time limits have a look at this thread or make a post someone will help you

Invalid Default Notices - Page 72 - The Consumer Forums

have you made any payments or discussed payment since the termination?

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 made any payments or discussed payment since the termination?

 

Not made any payments since it was terminated, although did have a monkey on the phone last July, before I got my sar and found out they'd terminated it, trying to get me to come to an agreement over payments, agreed to make a monthly payment of £20, but they never rang back on the agreed date to take the payment over the phone as agreed, but nothing was put in writing.

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Not made any payments since it was terminated, although did have a monkey on the phone last July, before I got my sar and found out they'd terminated it, trying to get me to come to an agreement over payments, agreed to make a monthly payment of £20, but they never rang back on the agreed date to take the payment over the phone as agreed, but nothing was put in writing.

 

Don't pay anything until you have it in writing that the payments are for the balance post termination!!!!

 

There is more than one way to accept the termination, behaving in a way as if the termination has happened is one of them. Not making your monthly payments is counted as such behaviour. As soon as you make a payment on the account you are as good as saying "I do NOT accept the termination".

 

By all means make an arrangement to pay your outstanding balance if you so wish, but don't do it until you have it in black and white that your payments are towards the balance after termination and not to be considered as per your previous instalment arrangement.

 

However, if your DN is defective there won't be a balance post termination ;)

“First they ignore you, then they laugh at you, then they fight you, then you win.” - Ghandi

"You must have the resources to deal with the judicial intervention - the confidence not to be overawed, the resilience to respond, the tenacity to challenge, the tact to mollify, the authority to inform and persuade."

 

Strength does not come from winning. Your struggles develop your strengths. When you go through hardships and decide not to surrender, that is strength.

 

<-- If I have helped in any way please click my star!! ;)

Oh and I am a lady!! :)

 

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Don't pay anything until you have it in writing that the payments are for the balance post termination!!!!

 

There is more than one way to accept the termination, behaving in a way as if the termination has happened is one of them. Not making your monthly payments is counted as such behaviour. As soon as you make a payment on the account you are as good as saying "I do NOT accept the termination".

 

By all means make an arrangement to pay your outstanding balance if you so wish, but don't do it until you have it in black and white that your payments are towards the balance after termination and not to be considered as per your previous instalment arrangement.

 

However, if your DN is defective there won't be a balance post termination ;)

 

Oh yes, my default is as defective as they come...

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postie brought me a wonderful gift from our friends today....

 

HP agreement statement from march 09 - sept 09

 

what for?!?!?!

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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Hey cab - are we still ticking?? the suspense is killing me lol Can tell im a woman hate not knowing 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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Hey cab - are we still ticking?? the suspense is killing me lol Can tell im a woman hate not knowing lol

 

sent you a PM

 

cab

Cab1ne-Lombard-Shoosmiths **Claim Recieved**

http://www.consumeractiongroup.co.uk/forum/showthread.php?181761-Cab1ne-Lombard-Shoosmiths-**Claim-Recieved**/page25

Summary Judgement 01/02/2011 **REFUSED** set for trial "May 23rd To June 30th 2011"

DISCONTINUED 3rd MAY 2011 **WON**

 

santander" Responsible Lending!!!!!!!

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?219431-quot-santander-quot-Responsible-Lending!!!!!!!

 

Capquest "V" Cab1ne

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?262962-Capquest-quot-V-quot-Cab1ne

 

"STAYED"

 

CAB "Sittin Tight"

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postie brought me a wonderful gift from our friends today....

 

HP agreement statement from march 09 - sept 09

 

what for?!?!?!

 

 

what for?!?!?!

 

cab

Cab1ne-Lombard-Shoosmiths **Claim Recieved**

http://www.consumeractiongroup.co.uk/forum/showthread.php?181761-Cab1ne-Lombard-Shoosmiths-**Claim-Recieved**/page25

Summary Judgement 01/02/2011 **REFUSED** set for trial "May 23rd To June 30th 2011"

DISCONTINUED 3rd MAY 2011 **WON**

 

santander" Responsible Lending!!!!!!!

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?219431-quot-santander-quot-Responsible-Lending!!!!!!!

 

Capquest "V" Cab1ne

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?262962-Capquest-quot-V-quot-Cab1ne

 

"STAYED"

 

CAB "Sittin Tight"

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sent you a PM

 

cab

 

Thank you :)

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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