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    • I've inserted their poc re:your.. 1 ..they did send 2 paploc's  3. neither the agreement nor default is mentioned in their 2.        
    • Hi Guys, i read a fair few threads and saw a lot of similar templates being used. i liked this one below and although i could elaborate on certain things (they ignored my CCA and sent 2 PAPs etc etc) , am i right in that at this stage keep it short? If thats the case i cant see what i need to add/change about this one   1)   the defendant entered into a consumer credit act 1974 regulated agreements vanquis under account reference xxxxxxx 2)   The defendant failed to maintain the required payment, arrears began to accrue 3)   The agreement was later assigned to the claimant on 29 September 2017 and notice given to the defendant 4)   Despite repeated requests for payment, the sum of 2247.91 remains due outstanding And the claimant claims a)The said sum of £2247.91 b)The interest pursuant to S 69 county courts act 1984 at the rate of 8% per annum from the date of issue, accruing at a daily rate of £xxxx, but limited to one year,  being £xxxx c)Costs   Defence:   The Defendant contends that the particulars of claim vague and are generic in nature. The Defendant accordingly sets out its case below and relies on CPR r 16.5 (3) in relation to any particular allegation to which a specific response has not been made.   1. The Claimant has not complied with paragraph 3 of the PAPDC ( Pre Action Protocol) Failed to serve a letter of claim pre claim pursuant to PAPDC changes of the 1st October 2017.It is respectfully requested that the court take this into consideration pursuant to 7.1 PAPDC.   2. The Claimant claims £2247.91 is owed under a regulated consumer credit account under reference xxxxxxx. I do not recall the precise details or agreement and have sought verification from the claimant and the claimants solicitor by way of a CPR 31.14 and section 78 request who are yet to fully comply.   3. Paragraph 2 is denied. I am unable to recall the precise details of the alleged agreement or any default notice served in breach of any defaulted payments. 4. Paragraph 3 is denied.The Defendant contends that no notice of assignment pursuant to s.136 of the Law of Property Act & s.82 A of the CCA1974 has ever been served by the Claimant as alleged or at all.   5. It is therefore denied with regards to the Defendant owing any monies to the Claimant, the Claimant has failed to provide any evidence of assignment/balance/breach requested by CPR 31. 14, therefore the Claimant is put to strict proof to:   (a) show how the Defendant has entered into an agreement; and (b) show and evidence any cause of action and service of a Default Notice or termination notice; and © show how the Defendant has reached the amount claimed for; and (d) show how the Claimant has the legal right, either under statute or equity to issue a claim;   6. After receiving this claim I requested by way of a CPR 31.14 request and a section 78 request for copies of any documents referred to within the Claimants' particulars to establish what the claim is for. To date they have failed to comply to my CPR 31.14 request and also my section 78 request and remain in default with regards to this request.   7. As per Civil Procedure Rule 16.5(4), it is expected that the Claimant prove the allegation that the money is owed.   8. On the alternative, as the Claimant is an assignee of a debt, it is denied that the Claimant has the right to lay a claim due to contraventions of Section 136 of the Law of Property Act and Section 82A of the consumer credit Act 1974.   9. By reasons of the facts and matters set out above, it is denied that the Claimant is entitled to the relief claimed or any relief.  
    • i understand. Just be aware I am prepared to take some risks 😉
    • Thanks Tnook,   Bear with us while we discuss this behind the scenes - we want you to win just as much as you do but we want to find the right balance between maximising your claim without risking too much in court fees, and in possible court costs awarded to the defendant bank.
    • Tell your son and think on this. He can pay the £160  and have no further worries from them. If he read POFA  Scedule 4 he would find out that if he went to Court and lost which is unlikely on two counts at least [1] they don't do Court and 2] they know they would lose in Court] the most he would be liable to pay them is £100 or whatever the amount on the sign says. He is not liable for the admin charges as that only applies to the driver-perhaps.If he kept his nerve, he would find out that he does not owe them a penny and that applies to the driver as well. But we do need to see the signage at the entrance to the car park and around the car park as well as any T&Cs on the payment meter if there is one. He alone has to work out whether it is worth taking a few photographs to help avoid paying a single penny to these crooks as well as receiving letters threatening him with Court , bailiffs  etc trying to scare him into paying money he does not owe. They know they cannot take him to Court. They know he does not owe them a penny. But they are hoping he does not know so he pays them. If he does decide to pay, tell him to wait as eventually as a last throw of the dice they play Mister Nice Guy and offer a reduction. Great. Whatever he pays them it will be far more than he owes as their original PCN is worthless. Read other threads where our members have been ticketed for not having a permit. [We know so little about the situation that we do not know if he has a permit and forgot to display it. ]
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lucyjay

Welcome Finance confused???

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Hi, im new to this forum, but have spent alot of time the last few days, reading all these posts about welcome finance.

I got a loan with Welcome july 2007, £2,500 over 36 months at £150.40 which on paperwork i have, says the insurances i have are as follows

1st person lifecare 24; policy term in months 60 (?) price inc IPT £195.00; interest:163.56

1st pap: policy term i months 36 price inc IPT £175.00: interest £146.48. total payable; £680.04

After several months i knew i was experiencing money troubles and at the time thought the Welcome lady was being super helpful and can clearly remember being taken back by how helpful she was!

She said i could have my monthly payments reduced to £73.04 a month by just re writing the paperwork. STUPID as i know realise i agreed thinking they were helping me.

I am very naive as didnt really get the chance to go through the paperwork properly as it was very rushed and pressured me.

So i then have a New Loan agreement £3661.07 over 72 months it appears with no insurance this time. I have only the green and yellow copies from the agreement and only has my signature on it.No welcome signature at all. Both these loans came with a green Demands and needs statement which just has all there insurances on.

Well then in december 2008 A welcome man rang and said would i like a £600.00 top up, well, with not being suspicious of them ad again niave i agreed as i was strapped for cash.

I never went to the local office, nor did they visit me at home, paperwork sent through post, so again i have a unwitnessed printout with my signature on and a pre signed welcome signature with a different date but no witness? Is that needed? do the agreements have to be witnessed? Its not even a credit agreement, its just a print out version on plain paper.

So The new loan is for £4180.42 for 72 months: £83.19. total charge for credit £1809.57: acceptance fee £75.00: interest charge £1,734.57.

Im stupid i know but never really looked at this properly until i got the one and only statement through.

Sorry to go on but you look like the guys i need on board XX

I was completey thrown by nearly every other charge after i had paid (regularly) was a CAPITALIZATION CHARGE of half of what i paid each month!!!!

i rang Welcome and wasnt getting anywhere i had a very rude lady tell me that it was a interest bearing loan and of course i wouldnt understand it, as it would be like her trying to understand rocket science!!! i couldnt believe this. this is the point i joined on here.

I had a rather rude phone call friday by being told that i cant run away from this and that i will have to pay you know!!! and we will do a doorstep visit at some point next week and proceeded to put the phone down.

I have followed advice on here and sent them the cca request and the subject access with 2 postal orders inclosed sent recorded delievery in friday. i have also sent the doorstep and telephone harrassment letters, all to Head office. They have also rang my employer several times and turned up at my door about a month ago unexpected as they couldnt get hold of me( working) they came round to harrass me into setting up direct debit.

I dont know if i have a leg to stand on but i just dont get the figures and there treatment is disgusting, can anyone give me any advice as i feel my life is constantly worrying that welcome will turn up and start harrassing me or get nasty??

Thanks any help would be recieved gratefully

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urm...

me thinks you're in for a very large windfall.

 

do some reading here & all will become clear.

 

lookout welcome ... incoming!!!!!!!

 

postggj should see this soon and help with a large smile.

 

dx


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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OMG seriously?

Thank god i found you guys, seriously you dont know how grateful i am for this forum xx

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then you need to post the links here.

make each doc full size

right click

hit copy

then come to the message box on cag and right click and hit paste.

 

make SURE you remove all identifying stuff and any barcodes.

 

dx


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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hi lucyjay

 

post up the agreement etc

 

i think ime going to enjoy this one:)

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:D

 

dx


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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well done on photobucket

can you repost please

rotate the image before posting

 

thanks

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well done on photobucket

can you repost please

rotate the image before posting

 

thanks

 

 

:rolleyes:

dx


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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well done on photobucket

can you repost please

rotate the image before posting

 

thanks

 

dont be so lazy

turn your monitor upsidedown!!

 

dx


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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sorry about the upside down posts hope this now helps xx

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thanks dawnytrish god i thought id covered all that

try again!!

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think ive done it this time hooray haha

well i hope so!!

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this had one post this morning!

 

i'll get one of the site team to tidy it up.

 

dx


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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Expect a visit from Cagbot due to tidying up the thread. ;)


 

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