Jump to content


  • Tweets

  • Posts

    • Hi All. A family friends car was having issues when she was on a trip visiting family up north at the begining of January.  She ended up leaving it at my friends garage in the same location, who parked it on his forecourt to investigate the issue, howver he said most likely it is beyond economical repair as its a serious gearbox fault. In the meantime i replaced her car with one of my spare cars. The insurance on the car then expired in at the end of January.  When the insurance expired, I sent a paper V890 paper as i didnt have her V5 Reference number in hand to do it online (i have a copy of this).  She didnt mention she hadnt recieved any confirmation as she didnt know if she would get one.  She then cancelled her road tax at the end of March (i think) as she was paying by DD. She then was travelling up north so didnt get her ,ail until last week. She recievd a letter dated 09/04/2024 stating she had failed to insure the vehcile and there was a £100 fine which could be reduced to £50 if she respons by 11/05/2024.  As soon as we noticed, i got her to dig  out the V5 and SORN'd the vehicle.   My friend has been a bit slow in checking the fault, however i suspect it will still be scrapped and is still on his forecourt. Is this possible to appeal?
    • worthy to not forget Just to let you know this bunch Kensington have been fined £1.225m by the financial regulator for treating borrowers who were in arrears unfairly. Claim those charges back plus the interest and tell them not to add any more to the account. There are a few news stories here you can get the info for a letter to send to them. http://news.bbc.co.uk/1/hi/business/8615870.stm  
    • Hi All. I went to visit a family friend in Rochdale on a new housing estate opposite a old row of houses. The location is Royle Road, Postcode OL11 3PE. I was originally parked in parking bays outside the old houses, then moved the car, when I noticed my tyre was flat, so parked on what looked like double yellows to use his air pump to check and inflate the tyres before we left the house.   In the time i went inside to sort the pump and power supply i got a PCN.  The tyre then got changed (has a puncture) and we left. PCN Number:         RE######## Date:             04/05/2024 Time:             20:36 Observation:         20:34 to 20:36 Reported location:     Royle Park Road Reason:        Parked in a restricted street during prescribed hours (Code: 01) I believe this PCN is not correct and has grounds to appeal: 1. My friend who moved into the property around 6 months ago, swears that even though it has old double yellows marked, they are not current or council marked.   He said the property development company had said they had marked them for ease of access during development. 2. The road i was parked on was Royle Road.  The PCN was issued for Royle Park Road, which is about 400 yards up the road. 3. There are no sign posts or marking showing parking  restriction hours in the entire area (there maybe on Royle park Road). I have attached a map of the Location where i parked as a red dot. I have 2 questions: a.  Is there a way to check where double yellow lines are marked on some register to check if they are current? b. Can my grounds of appeal simply be, wrong location, wrong offence? Thanks in advance. Map_20240505.pdf
    • you made it very confusing, though i doubt any of it was ever read by the delivery franchise for DPD. your saving grace might well be you didn't select your own address (though if you are all the same postcode..??) and neither mentioned a safe space other than another neighbour. but with the actual delivery address on the parcel, it appears the driver had a choice of 3 addresses, all under the same post code with differing house numbers. so chose the label one but left it on your doorstep. play it carefully and along with the photo and the retailers requirement you should be ok.   dx  
  • Recommended Topics

  • Our picks

    • If you are buying a used car – you need to read this survival guide.
        • Like
      • 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
        • Like
      • 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

Urgent Help Needed With Welcome


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

Thread Locked

because no one has posted on it for the last 5084 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

to be honest, Welcome use that fact that they allegedly sent letters out as being enough for them to say you have had it. I had this problem with the local council, they basically said because they had a record of it being sent, whether or not I receive it isnt their problem.

 

so as long as you have proof your letters have been sent, that's more than enough proof you need in my eyes.

Link to post
Share on other sites

  • Replies 233
  • Created
  • Last Reply

Top Posters In This Topic

Top Posters In This Topic

Dibbo and DJ,

thanks for your input.Every little bit helps.I think this is going to take longer than I expected.However,I wouldn't have got this far without the help/advice I have been given from all of you.I learn a little bit more each day.Thank you again.

Regards

Signaller

Link to post
Share on other sites

Ive just been back through all my letters etc and have proof of postage from dec that i dont have a signature for and still says is in system but they have replied so it was delivered!

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

Thank you Beyondhope, for replying.The SAR sent in November wasn't signed for, but they replied so that is proof enough.I may have been a little hasty in sending the LBA (sent 07/01/10).I'm assumimg it was delivered but in it I stated they had a further 7 days to comply.They did not send everything in response to my SAR, which was the reason I sent the LBA, to which I have not yet had a reply.I'm going to be off here for a couple of days but will be back some time Friday.Obviously I will keep you all posted on events if/as/and/or they happen.

Regards

Signaller

Link to post
Share on other sites

Welcome haven't sent anything yet.Received a letter from Young & Pearce on 23/01/10.If you remember, when I sent in my SAR I received a letter from Y&P stating they had a copy of my agreement and they wanted confirmation of my ID and signature.I sent them nothing.Bear in mind that Welcome have not yet responded to my LBA sent on 07/01/10.It is still showing as 'In the system awaiting delivery' although I suspect it has infact been delivered.Anyway, the letter received on 23/01 says:

Dear Signaller,

Further to our telephone conversation on xx/12/09, we note from our files that you have failed to send in to our office proof of ID as requested.

Please can you forward proof of your ID by return of this letter in order to resolve the matter and to come tro a speedy conclusion.

Personally I think that Welcome have received my LBA and it seems that this letter I received is a delaying tactic.Your thoughts and opinions please!!!

Regards

Signaller

Link to post
Share on other sites

Hi,

Starting to warm up nicely I think :D. Send them a letter, recorded as normal, reminding them you have no legal obligation to provide any such proof of identity and certainly will not be releasing your signature.

 

Remind them the address they have been using up until your CCA request has clearly been accepted by them for all previous purposes of communicating confidential matters and as such you no see no reason why they should now ask for proof of identity at such a late stage. Remind them the clock is ticking on your request.

 

Thank them for their careful attention to data security ;) and inform them that if this agreement is not forwarded you will consider it to be a wilfully obstructive act.

Link to post
Share on other sites

Emandcole and Postggj,

thank you for replying.As usual, your advice and opinions are very much appreciated.Will type letter up and get it sent off today, and obviously will keep everyone posted.Thanks again.

Regards

Signaller

Link to post
Share on other sites

Sent letters to Welcome and Young & Pearce yesterday.Noticed this morning that the postcode I put on Welcomes letter was wrong, so will send it again today. Checked all other receipts though and all previous letters, and postcode is correct. Still haven't heard from them in regard to my letter sent on 07/01, but I didn't think they would reply.Will wait to see what,if anything, they send in reply to my most recent letter requesting all the missing documents from my SAR.Should be interesting though, as I have a letter from them telling me what they sent is all they have.As usual, I will keep you all posted.Thank you yet again for your time.

Regards

Signaller

Link to post
Share on other sites

Well,the letter to Young & Pearce was delivered and signed for yesterday.Sent the letter again to Welcome because I put the wrong postcode on the first one. Probably a waste though, as I doubt the letter to Welcome will be signed for anyway.At least it will show I'm trying.

Can someone please point me in the direction for the template letter for 'Account in Dispute'?

Regards

Signaller

Link to post
Share on other sites

To be honest Signaller you'll be able to knock that up yourself. Just write and inform them that as of (DATE) you consider this account to be in serious dispute until such time as they provide whatever it is they haven't provided.

 

Remind them of their obligations during this period and suggest you will recommence appropriate action on the account as and when they've responded to your satisfaction. Keep it simple basically.

Link to post
Share on other sites

Emandcole,

thanks for taking the time to reply again.Will get a letter wrote and sent off today.Its that time again where I have a couple of questions for someone.

I have got a copy of my credit file, and on it the loan with Welcome is registered as a mortgage.Is this right,as it was a secured loan?The default balance says £24062 and it says the current balance up to 03/01/10 is £24912.

It shows the monthly payment as £297 over 121 months!!! loan was for 120 months.

On the agreement Welcome sent in reply to my SAR the loan shows as £297.45 over 120 months.A difference of £243.

Also, on the reposessions register there has never been any details registered against me.

Going home in an hour.Will probably spend the rest of the day sifting through the mass of paperwork I have.Will log back in tomorrow afternoon some time.

Regards

Signaller

Link to post
Share on other sites

A question for postggj. OR anyone else who knows the Answer OR some sort of theory.

 

If the amount borrowed is above £25K, But The Agreement states "A Secured Loan Regulated by the Consumer Credit Act 1974". What is it?

 

Mortgages are regulated differently to Loans.

 

Does the Fact it is Secured Automatically make it a Mortgage?

 

Does the Fact it is Over the £25K Automatically make it a Mortgage?

 

Does The Fact it is stated has being Regulated by CCA `74 pose any Problems of Enforcement if it is Indeed a Mortgage? Or Could it cause Problems for the **** if Recorded as a Mortgage with the Credit Reference Agencies?

 

Cheers, MARK

Link to post
Share on other sites

A Secured Loan Above 25 K Can Not Be Regulated By The Cca

A Secured Loan Below 25 K, Is A Secured Loan, Not A Mortage

 

Welcome Have No Right In Calling It A Mortage

 

Any Secured Loan Over 25 K Would Be Classed As A Second Mortage (charge) On A Property

 

This Biz Of Classing Loans Below 25 K Welcome Have Yet To Answer

 

The Last Excuse They Used Was The Cra Do It

 

The Cra Only Record What Welcome Say.

 

I Would Say If The Agreement Says Regulated By The Cca 1974 And Above 25 K

 

They Are In Trouble

Link to post
Share on other sites

sorry to butt in, do have my own thread but reading this I have a question...........

  • my original loan dated mid 2005 was for £15K & have a charge on my property, registered with Lan registry and have copy of documentation I signed
  • i re-wrote this loan, ~ £19.5K to remove PPI, (trying to reclaim & MIF) in early 2008 but didn't start paying til ~ mid 2008 as welcome did not claim money. No new charge was signed for & on land registry original loan from 2005.

so my question is can I ask for this charge to be removed?? nothing on credit file at all regard the re-write.....

Edited by pears23
sp
Link to post
Share on other sites

well yes

 

if the charge was for a previouse loan,

when that loan was rewritten, the previouse loan ceased to exsist, so the charge is void

 

welcome will have to do a new charge and you sign for it

 

only different option would be when the re-write was done

 

WAS IT A NEW AGREEMENT OR

AGREEMENT TO MODIFY

Link to post
Share on other sites

Not sure, ended up with new loan agreement and new account number. This is the link to my thread

 

http://www.consumeractiongroup.co.uk/forum/welcome-finance/226802-welcome-finance-misols-insurances.html

 

what do you think the chances of it being removed are???

don't really want to sign another

Edited by pears23
update
Link to post
Share on other sites

Still not heard anything from them.If you remember, there has been problems with sending recorded letters to them, and the letters not being signed for.Had an idea the other day before I posted the 'Account in Dispute' letter.I posted it in a different envelope and asked a lady at the library is she could print a sticky label for me.I thought it might make the letter look sort of official.Anyway, the letter has been delivered AND signed for this morning.I did wonder if Welcome were actually receiving the letters and just not signing for them.Well, it seems to work. Just a thought for those of you who have had the same problem.Sent the same letter to Young & Pearce as well.Will be interesting to see what,if anything, their reply will be.As usual, will keep you posted.

Regards

Signaller

Link to post
Share on other sites

I'm not the only one this has happened to recently.They can't now say they didn't receive my 'Account in Dispute' letter.At least I have proof I sent the other letters. As a matter of interest, are there many of you recently who have sent letters to them and found that they were not signed for?

Signaller

Link to post
Share on other sites

All mine have been signed for but this is probably due to the coinsidence that im using my old envelopes from a utility company I used to work for so they probably think it is their leccy bill. this wasnt intentional and i only just realized when i read your last post why i get a clear signature. haha.

 

 

Link to post
Share on other sites

I've been on to Royal Mail again and, as usual, they say they will look into it and send me some stamps for the inconvenience.Seems a bit of a coincidence that they (Welcome) will sign for (apparently) official looking letters and not handwritten ones from Signaller.:). But it did work for me.Can't wait to see what I get in reply.

Signaller

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...