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    • Lastly, I will go to the site to get updated images, but from google earth, you can see from the pictures the entrance states it is for the hotel parking, which I follwed instructions and gave my details to the hotel. Where I think my car was parked (it was that long ago I'm not exactly sure) there are signs on the opposite wall, but it was 12.30am, pitch black and they could not be seen.
    • I was planning on collecting up other court cases they have lost, to refer to as part of my evidence, I'm not sure if this is worth doing or could just confuse matters? But there seem to be many where the judge has ruled against them because of confusing and not clearly displayed signage, trespass, as well as their charge being £100, which is more than the Bevis case said was reasonable.    A quick search found this article as one example KBT cornwall lose case article.pdf
    • OK, I will do now. I did look to black out certain things, but I was not sure what I should and should not redact and there was nothing on there that was personal enough for me to be concerned with being made public. So I am happy for all to view, but if you are kind enough to redact what is needed as per the forum rules, that would be amazing. Armtrak Defence documents_compressed.pdf
    • yes but have the landowner paid this years contract fee. no evidence they have in the ws. pop it back up now if you wish. the forum is quiet i'll redact it for you so we have the info.   dx  
    • Thank you all so much for taking the time to comment and help, I really do appreciate it.   Just to elaborate a bit more on the background, just because my lack of knowledge of the process might mean I've actually done things along the way that I did not know what they were and so hadn't mention it.    When they decided to go to court, I was offered mediation, which I took. I offered to pay the reduced rate, just to make it go away, but insisted it was not an admission of guilt, it was a goodwill gesture to save us all the effort of court. They refused and wanted £250.    A court date was set, but in Leeds, then a couple weeks later I received another letter saying it had been moved to London.   I was not aware I had any say in which court it would be held at, but I now understand i have good reason to request it is moved to a local one to me, which is also local to the offending place, I will call the court tomorrow and explain that. But so far I have only been told what is happening, I've not been given the choice for anything.   They seem to be going down the route of a contract breach, not trespass which is interesting. There is a document in the evidence which has the agreement between themselves which I assumed meant they can pursue me.    I am going to visit the site again shortly, at midnight the time of the offence and take pictures to build a case file of the route I took to enter the car park, how it is in the hotel grounds and no signs can be seen.    Am I right in saying, the fact they do not actually have any pictures of my car in the location they say it was in, just because all of the pictures they have were at 12/30am and it was pitch black, I am going to say my car was parked correctly in the hotel side, not on their land and it is then up to them to prove otherwise, which they are not able to do, because the burden of proof lies with the claimant I think?
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fulhamjim

Newbie to this site - Welcome Finance

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Evening all,

 

I've had several loans with Welcome over the past 6 years, started off with £500, and it's escalated with 3 or 4 "top-ups" of about £1000.

 

At least three of the times, including my initial loan, I was told that if I did not take out PPI my loan would not be accepted. I've since noticed from various sources(and having been cold-called about PPI reclaiming) that it's all a big, well-known [problem], and am keen to understand a bit more. I've read several threads but there's so much info there it's a bit of information overload!

 

I'm sure that when I topped up, they've paid off the original loan with no rebate on the PPI, and just added that on to the new agreement. So in effect, I'm paying PPI, and interest, for PPI that covers loans that don't exist any more!

 

What should be my first step, an S.A.R. to Welcome asking for details of all the loan agreements I've entered, and what they are made up of?

 

Does them having miss-sold me insurance make the agreement unenforceable?

 

Can I stop paying them immediately, as I believe the account to be in dispute?

 

Your advice and suggestions would be most welcome(!!!!)

 

Thanks in advance,

Jim

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hi fulhamjim don't know about stopping payments or putting account into dispute i am sure someone will come along and advise u on this but the SAR for welcome is on another thread "welcome----need help" it's number 28 i am sure post won't mind me telling you where it is because it's his special one for welcome.

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Im sure someone will correct me if im wrong but i wouldnt stop payment at the moment especially if you have a good credit history you wouldnt want these fools to spoil that.....

 

I believe you can contact welcome and find out who underwrites your ppi and SAR them also to see if there even are policies....

 

sorry im not much help i have limited knowledge but am learning through reading im sure someone more experienced will come along and help out :)


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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Sent off my first letter on 30/11 quoting the three PPI policies I was miss-sold. Guess what? No response.

 

So I am sending my second letter giving them 14 days, with photocopy of my first letter and copy of the recorded delivery receipt(which shows delivery was made on 1/12!)...

 

Thing this is going to take some time.... :mad:

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yep!

 

my sar took twelve months but it full of information of how welcome operate, the insurances are provided by Direct Group

 

hope this helps

 

essexboy

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If you want to move along without waiting for them contact direct group yourself they seem able to provide information using your name, dob and address you wont need all account numbers etc

theres a link to direct group on alot of threads have a read through and find 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:

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Customer Service: 08444124100

 

Got it from there website: Direct Group - Contact Us

 

there ya go :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:

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Customer Service: 08444124100

 

Got it from there website: Direct Group - Contact Us

 

there ya go :D

 

Got the policy numbers from them already, and quoted them on the first and second letters... The waiting game commences! :)

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No response. Phase two.

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evening all. Still nothing back from Welcome, no acknowledgement, no questionairre, nada...

So, is my next step to complete the FOS complaint form?

Thanks in advance :)

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:smile::smile:Success!

My letters were all ignored or fobbed off by Welcome, and I was contacted by a company who offered to do the service, and sent me their forms. The forms were littered with spelling mistakes, and I just didn’t trust them so I told them not to bother.

Then I was introduced to a friend of a friend who works for one of these companies, he handled my claim for me. I sent him all the details on 16/9, and I have today received my first offer of just shy of £1500. But he’s going to go back and try for more!

Thanks to all for the advice offered. Obviously giving away 25% hurts but they’ve got results in just under 8 weeks so it’s a price I was willing to pay to save me the hassle. If you want my new friend’s number and contact details, please PM me and I’ll be glad to share.

Just in time for Christmas too, I’ll be eating Goose and drinking champagne instead of Turkey & Cava!

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quick update.

Welcome finally sent the payment to my claims company at the end of Dec, but. nin clsoing one agreement and re-calculating the new one, they somehow managed to create two accounts and default me on both, plus deduct a months payment from the PPI refund as "arrears". Incredible. Have written to them yet again.

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