Jump to content


  • Tweets

  • Posts

    • I see jenrick has stuck his head up with them, and I'm sure this wont faze their nasty rhetoric one wit-less UK growth since 2010 has been lacklustre and largely driven by immigration, says report UK growth since 2010 has been lacklustre and largely driven by immigration, says report | Economic growth (GDP) | The Guardian WWW.THEGUARDIAN.COM Resolution Foundation report suggests parties are dodging the economic challenges facing the country   Net migration is more than two and a half times the 2010 figure despite a string of Tory pledges to reduce it Immigration: how 14 years of Tory rule have changed Britain – in charts | General election 2024 | The Guardian WWW.THEGUARDIAN.COM Net migration is more than two and a half times the 2010 figure despite a string of Tory pledges to reduce it    
    • Will get them done asap My job changes week to week so at the time I didn’t know. 
    • You will probably get a couple more reminders followed by further demands fro unregulated debt collectors with even increasing amounts to pay. They are all designed to scare you into paying.  Don't. It's a scam site and they do not know who was driving and they know the keeper is not liable to pay the PCN. Also the shop was closed so they have no legitimate interest in keeping the car park clear. So to charge £100 is a penalty as there is no legitimate interest which means that the case would be thrown out if it went to Court.  Keep your money in your wallet and be prepared to ignore all their letters and threats. Doubtful they would go to Court since a lot more people would not pay when they heard  MET lost in Court. However they may just send you a Letter of Claim to test your resolve.  If yoy get one of those, come back to us and we will advise a snotty letter to send them.  You probably already have, but take a look through some of our past Met PCNs to see how they are doing.
    • Hello, been a while since I posted on here, really hoping for the same support an advice I received last time :-) Long, long story for us, but basically through bad choices, bad luck and bad advice ended up in an IVA in 2016. The accounts involved all defaulted, to be expected. In 2018, I got contacted by an 'independent advisor' advising me that I shouldn't be in an IVA, that it wasn't the solution for our circumstances and that they would guide us through the process of leaving the IVA and finding a better solution. I feel very stupid for taking this persons advice, and feel they prey on vulnerable people for their own financial gain (it ended with us paying our IVA monthly contribution to them)-long and short of it our IVA failed in 2018. At the same time the IVA failed we also had our shared ownership property voluntarily repossessed (to say this was an incredibly stressful time would be an understatement!) When we moved to our new (rented) property in August 2018, I was aware that creditors would start contacting us from the IVA failure. I got advice from another help website and started sending off SARs and CCAs request letters. I was advised not to bury my head and update our address etc and tackle each company as they came along. Initially there was quite a lot of correspondence, and I still get a daily missed call from PRA group (and the occasional letter from them), but not much else. However, yesterday i had a letter through from Lowell (and one from Capital One) advising that they had bought my debt and would like to speak with me regarding the account. There will be several.of these through our door i suspect, as we did have several accounts with Capital One. Capital One have written to us with regular statements over the last 5 years, and my last communication with them was to advise of of our new address (June 2019), I also note that all of these accounts received a small payment in Jan2019 (i'm assuming the funds from the failed IVA pot). Really sorry for the long long post, but just thought id give (some of) the background for context.... I guess my question at the moment is.....how do I respond to Lowell...do I wait for the inevitable other letters to arrive then deal with them all together or individually...? Do I send them a CCA?  Many thanks
    • hi all just got the reminder letter, I have attached it and also the 2nd side of the original 1st pcn (i just saw the edit above) Look forward to your advice Thanks   PCN final reminder.pdf pcn original side 2.pdf
  • 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

Offer from Welscum


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

Thread Locked

because no one has posted on it for the last 5142 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

  • Replies 108
  • Created
  • Last Reply

Top Posters In This Topic

Top Posters In This Topic

Here is the letter I had back. Decided to scan and convert and paste here.

 

 

Compliance Department

Mere Way

Ruddington Fields Business Park

Ruddington

Nottingham

NG11 6NZ

Tel: 0845 618 7819 Fax: 0115 984 9386

FINAL RESPONSE

Dear Sir

We write further to your letter dated 24 December 2009. Please accept our apologies for the delay in responding.

We assert that the agreement supplied in response to your section 77 request complied with the relevant provisions. We draw your attention to Regulation 3(1) of the Consumer Credit (Cancellation Notices and Copies of Documents) Regulations 1983 which states a "true copy" must be provided.

A "true copy" need not be an exact copy, though it must contain "every material provision" {Burchell v Thompson [1920] 2 KB 80). Regulation 3(2) allows for certain omissions from the copy to be provided. These include the signature box, witness box and the signature of the customer. Therefore, in the absence of the original executed agreement, a "reconstituted" copy is sufficient for these purposes.

Should you disagree with the above, please provide us with the legal authority upon which you rely.

For the avoidance of doubt, it is wholly denied that the loan agreement is unenforceable, for the reasons given or at all. Furthermore, we do not accept that the account is in dispute.

In any event, we refer you to the recent judgment in McGuffick v Royal Bank of Scotland [2009] EWHC 2386 (Comm), which stated that the following are not classified as enforcement (whether the agreement is unenforceable or not):

reporting the status of any account to a credit reference agency (CRA);

demanding payment from the debtor;

issuing a default notice to the debtor

Threatening legal action

Instructing a third party to demand payment or otherwise procure payment

bringing legal proceedings against the debtor

We therefore reserve our rights under the loan agreement. You are obliged to continue making payments and we reserve our rights to pursue you for any arrears

Please accept this as our final response in the matter

Should the issue not have been resolved satisfactorily, you do have the right to refer this matter to the FOS within six months of the date at the head of this letter, or seek redress via the court system

If you decide to go down either of these routes, please send all correspondence to the address above.

 

Yours sincerely

Welcome Financial Services

 

 

any ideas on what I do now. ????

 

Ta

Link to post
Share on other sites

I am also watching this thread, very interesting!

 

I am new to all this but surely Welcome cannot decide that there letter is final. They really do think they are a law upon themsleves.

 

I am still waiting for my CCA although i did recieve correspondence from them acknowledging a SAR i did not request!!

Link to post
Share on other sites

I started asking Welcome for my SAR information back in September, and they failed to provide me with all information, so I sent in CCA request. Once again, I had letter saying they were processing it, but nothing sent back to me at all. So then I sent in letter about account is dispute and they said No to that, and that I should still make payments. I have refrained from sending money and changed my D.Card information, as they took two payments, in one month. They did say they would send one back, but never did. I have no intention of paying any more money to them until I receive my correct and complete file.

 

I was thinking of making an offer to get rid of loan, but again, until I know what it is I owe, less all my charges etc, I am unsure what to offer.

 

:o)

Link to post
Share on other sites

I am also watching this thread, very interesting!

 

I am new to all this but surely Welcome cannot decide that there letter is final. They really do think they are a law upon themsleves.

 

I am still waiting for my CCA although i did recieve correspondence from them acknowledging a SAR i did not request!!

 

Same here...requested CCA and they confirmed SAR...nothing received so far.

Link to post
Share on other sites

I spoke to someone in the colleactions departent today, who stated they could take an offer from me to settle but would need to e-mail this to the directs? I owe £14,210 and offered £10,000. It was declined!!! I am upto date with all payments and havent missed do you think this will effect it?

Link to post
Share on other sites

  • 1 month later...

Hi Post

 

After sending my letter off saying account is dispute, I got a snotty letter back saying they had sent me all my information, although I havent signed for anything.

 

CCA wasnt sent at all.

 

They refuse to accept account in dispute, but I havent had any contact from them since November last year. Do I need to do anything else, or leave it. The actually end date for the agreement, if it was paid off will be either this month (end of March) or end of April. Cant remember exactly

 

What will happen when the end date comes, and nothing more has been paid on the account ?!

 

any help appreciated.

Link to post
Share on other sites

To Be Honest You Have The Recorded Delivery Receipts Asking For Theagreement

 

Welcome Are Well In Default

 

I Would Ignore, Its Obviouse They Have No Agreement.

 

Fancy Trying To Pass Off A 2007 Agreement On A 2004 One

 

Realy

 

If You Get Any Future Grief, Give A Bell

 

He Debt Exsists, Its Just That It Cant Be Enforced

 

 

If You Require A Definate Answer On The Agreement, Doing A Request Under Cpr 31.16 Is The Answer

 

Ive Used It And It Works But As Welcome Are Quiet With You, Do You Want To Open A Can Of Worms Again

 

Its Your Choice

Link to post
Share on other sites

Hi Post,

 

I had a letter from a collections company over the weekend, saying that I have to pay the full balance of £4500 by the 31st March 2010, or else the company will start legal proceedings.

 

However I never received the information I requested from Welcome, and have no intention of paying them anything.

 

What should I do with this letter, should I reply to it ?

 

Many thanks

Link to post
Share on other sites

Hello mrjoolz firstly dont panic they run from court cases you need to send a CPR request for the underwriting sheets which will proove secret commissions, they will ignore this but if you want you can have a copy of mine which they sent me by mistake this alone gives reasonable evidence to suspect that secret commission has been added to your account, when they ignore your requests, which they will simply use thier refusal as part of your defence and include the copy of the underwriting sheet to show evidence of this fradulent practice and request that the court orders disclosure of the documents requested, someone here will be able to give you the templates for the CPR requests and the request for disclosure to the court and believe me they will withdraw from any court action, as they did with mine, but now I wont let them withdraw as I have issued a counter claim.

Hope this helps

jdene

Link to post
Share on other sites

Many thanks for the advice. Anyone got this CPR request letter. I also sent off letter that post placed.

 

I dont have a copy to hand but i believe there are some in the templates library in the main forum :)

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

  • 2 weeks later...

Update :

 

I have now received a letter from Lewis Group saying that they want the money to clear my account. Followed three days later, by a card only in an envelope saying call this number urgently (nothing more)

 

I am not interested really in calling Lewis Group at all, as Welcome failed to send me complete SAR and when I asked for CCA, I never got anything back at all.

 

Thoughts please ?!

what should I do now ?

 

Ta muchly

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...