Jump to content


  • Tweets

  • Posts

    • I left Dubai 8 years ago and intended to return. However a job prospect fell through. I’d been there for 15 years. Anyway I decided to pay my credit card and the bank had frozen my account. There is no means to pay the CC so completely unable to pay when I wanted to other than the bank advising me to ask a friend in the UAE to pay it on my behalf!  fast forward bank informs there is a police case against me for non payment. Years later IDR chased me and after months/ years they stopped. Now Judge & Priestley are trying their luck. Now I have received an email in English and Arabic from JP saying the bank has authorised them to collect debts. Is this the same as IDR although I didn’t receive anything like this from them. Just says they are authorised?
    • The neighbour's house is built right on the boundary so the side of their house is effectively the 'wall' in our garden separating the two properties. It's a three storey house and so the mortar poses a potential danger to us. Because of the danger, we have put up an interior fence in our garden to ensure we don't risk mortar dropping on us. That reduces the garden by 25% which is not only an inconvenience, but it's the part of the garden where we had lined up contractors to install a patio and gazebo which we will use for our wedding reception in less than 2 months. We have spoken to the neighbour's caretaker who is on the case, has spoken with a roofer and possibly a scaffolding company, but there are several issues. They don't seem to understand the urgency. As long as there is a risk of falling mortar, we can't carry out any work in the garden, and unless they hurry up, we're looking at cancelling our wedding as it's not viable to book a venue because we can't use our own garden! Also, they want to put the scaffolding up in our garden which would be ok with us if it was a matter of a few days and they hurried up, but there is a tree (most likely protected by the conservation area), so most likely they can only reach part of the roof with the scaffolding if they put it up in our garden. We suggested a roofer with a cherry picker but they seem to want to use a company they've used before. Any and all comments, suggestions, advice is more than welcome.  PS. does it make any difference that the neighbour is a business (ltd) and not a private dwelling?
    • No apology needed, thank you for what you do I am glad to hear they paid. well done on getting back what is yours
    • Apologies all for the late reply and info, i have been away with the Army. They have paid I accepted the offer on the 5th of May, and they paid on the 17th of May.
  • 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

Please help don't know, what to do next!!!!!


Dizzy092
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

Hi am in a total muddle with welcome have voluntary given them back my car they have sold it. Not telling me anything more and say I now owe them £4400 when i gave them back the car i said it was because i could no longer afford the repayments of £130, they said it was fine and I could pay £30 a month until I could afford to pay more. They are now saying that my account is now in arrears and has been for the last 3 months by £100 each month and that, interest is due for each month. They did not tell me this at the time I started paying £30 a month. I have explained that I cannot afford more and they say that I should continue with £30 a month as a token payment untill I can get back up to £130, i explained that If i could afford £130 I would have not given up the car, asked them to draw a line and make new aggrement of 30 for how ever long it would take as long as 30 came off what I owed and not just £30 off new interest penaties and £25 out side call charges they keep adding. Have as good as begged them to take me to court to get some kind of repayment agreement cos I can’t get another loan to get them off my back. They have offered a total settlement with 50% discount but have no way of getting hold of £2200. What can they do if i don’t pay anything on the grounds that they will not reduce payment to a level I can afford. They have said that they no longer reduce payments for anyone. Also how can I still have a HP agreement with them when neither of us has the car to hire or purchase? What a rubbish company they have never sent me statments or any letters regarding the sale of the car or anything only letters stating £25 outside call charges, all they do is keep ringing me until I answer and demand cash whatever they think they can get. Had paid nearly half the original cost in the first place plus the sale of car they must be evens with me.

Link to post
Share on other sites

hehe

welcome along to the un-welcomed world of welcome.......

 

going by other threads

i think you may well be in for a large wind fall here.

 

i'n sure postggj will be along soon

 

in the meantime, have a read of a few of the other threads and start smiling.

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites

Thanks dx, hope someone will pick up for me, did not know so many people were going through the same and many more going through worse, they are bad people don't know how thier staff sleep at night, they must treat it as a big game, a sick one at that. Its not like I don't want to pay its just they are so demmanding and unreasonable.

 

Dizzy092

Edited by Dizzy092
Link to post
Share on other sites

Hi am in a total muddle with welcome have voluntary given them back my car they have sold it. Not telling me anything more and say I now owe them £4400 when i gave them back the car i said it was because i could no longer afford the repayments of £130, they said it was fine and I could pay £30 a month until I could afford to pay more. They are now saying that my account is now in arrears and has been for the last 3 months by £100 each month and that, interest is due for each month. They did not tell me this at the time I started paying £30 a month. I have explained that I cannot afford more and they say that I should continue with £30 a month as a token payment untill I can get back up to £130, i explained that If i could afford £130 I would have not given up the car, asked them to draw a line and make new aggrement of 30 for how ever long it would take as long as 30 came off what I owed and not just £30 off new interest penaties and £25 out side call charges they keep adding. Have as good as begged them to take me to court to get some kind of repayment agreement cos I can’t get another loan to get them off my back. They have offered a total settlement with 50% discount but have no way of getting hold of £2200. What can they do if i don’t pay anything on the grounds that they will not reduce payment to a level I can afford. They have said that they no longer reduce payments for anyone. Also how can I still have a HP agreement with them when neither of us has the car to hire or purchase? What a rubbish company they have never sent me statments or any letters regarding the sale of the car or anything only letters stating £25 outside call charges, all they do is keep ringing me until I answer and demand cash whatever they think they can get. Had paid nearly half the original cost in the first place plus the sale of car they must be evens with me.

 

Dizzy :-0

Link to post
Share on other sites

Hi Dizzy....I think the first step is to get a full SAR from them.... you can find this here - http://www.consumerforums.com/resources/templates-library/86-debt-collectors/576-subject-access-request-debt-a-dca unfortunately this will cost £10 (send recorded to the Data Compliance Manager at their head office in Nottingham)...however it could be £10 well spent. You really need to know exactly where you stand on this. Was there any PPI added on to the loan ? I would also keep paying whatever you can afford....you could possibly make them an offer of lower than the £2K they are asking for. (in lieu of possible charges, PPI etc..)

Have they sent you a default notice ? and have they terminated the agreement as yet ?

  • Haha 1
Link to post
Share on other sites

No they have not yet terminated the contract yet they say we still have to pay the amount on the original HP agreement, and we have not received a default notice as yet also as far is I know no PPI was added not at my request anyway, will need to see what they say on this one. They are ringing me tomorrow to see if I have raised the £2200 to settle the account. I have not managed to do this. I expect them to ask for some money tomorrow as have not payed last month or this month, just seems like if I pay them say £30 tomorrow it won't actully come off the debt will only cover the charges they seem to keep adding for phone calls and interest.

 

Will send subject access request after tomorrows phone call from them, then I will know what they expect me to do, to comply with them.

 

Many thanks for your advice, it really helps to know that someone is there who knows what goes on in thier industry as I have not got any idear and have not been in this situation before.

 

Thanks again 42man

 

Dizzy.

Edited by Dizzy092
add more info
Link to post
Share on other sites

  • 2 weeks later...

Hi i'm confused if you handed your car back on a vt (you have to of paid more than 1/3 of the goods part of your agreement though) then you should owe them nothing! so did they reposess your car if so you should of had a notice of default and termination letter (of which they should have copies) if they reposses it they sell it and apply the auction funds to your account and your still liable for the rest. if this is the case then go to cccs (consumer credit counselling service) they get a balance of the account and go through your income and outgoings and you pay them what you afford and they pay welcome and other creditors it's free and welcome are not allowed to contact you only them and they also can't charge interest on your account anymore

Link to post
Share on other sites

oh.. wait till postggj sees this

 

i'll get this thead moved to the welcome forum

 

you owe them stuff all, infact i bet they owe you .. lots!

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites

dx, it is already

 

hic:lol::lol::lol:

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites

  • 3 weeks later...

sorry for the delay have been away for Christmas with family, I have not received my sar nore have they confirmed recept of it. When they came and took the car it was on the uderstanding that it was a voluntary hand back that I had agreed with them, they keep phoning and I am at the point were I'm refusing to answer as it is all beginning to stress me out.

Link to post
Share on other sites

dizzy ignore them for now.

they can do nothing to you.

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites

phone these people

 

ask them to send you details they have on you ref insurance products sold by welcome finance

 

they normally do with no problem and its free

 

when did you send your sar

 

Direct Group - Where Insurance and Innovation Combine - Home Page

 

 

ime involved in quite a few welcome threads and people do get lost so dont worry about sending me pm (personal message) all the time

Link to post
Share on other sites

Many thanks for all your responses, sent SAR just before christmas as could not raise the settlement figure they wanted (2200) think they still have around 10 days to respond.

 

I have looked and have no paperwork or knowledge of PPI being added at any time and remember saying no to it at point of sale, just worried that a fast one may have been pulled after seeing all stories of it happening to others. Will phone company, postggj, to check this did not happen to me.

 

All is appreciated very much!

Thanks again,

Dizzy

Link to post
Share on other sites

Have phoned Direct group and they have said that there was three products registed with them but they are not active now. This is so odd, I asked when they were added and it turns out, it was three days after I took out original hp agreement with them (HP taken out 04/04/07 and the PPI products added 11/04/07) I asked for more details and they said that because I am not live with them anymore that I should ask welcome. So it seems that maybe these 3 PPI product were added and taken off without me having any knowledge. Can't wait to see the SAR, have also looked for statment from 2007 and am sure that I have never received one. The three products were, total loss insurance, Payment protection, and some sort of mechanical breakdown insurance. Don't know how long they were active for, very odd! Have had 6 calls from them yesterday and today, not answered them tho ;-) as want to ignore them for now!

 

 

Dizzy

Edited by Dizzy092
corrections!
Link to post
Share on other sites

Received a letter and info on policies that welcome opened up these policies are PPI, Shortfall extra insurance and Mechanical breakdown insurance plus. Included was the wordings for each policy. The letter was very short and said that enclosed is the policy wording for the policies we hold on the system for you. The letter sort of suggests that they/I still have these policies, but when I phoned them before to request the details they said that the policies were no longer live. They have not given any details to confirm or open up any further on this, dates active when it was cancelled and such.

 

Still no news on the SAR from welcome.

 

 

Dizzy.

Link to post
Share on other sites

Hi, just a little update, received a letter of acknowledgement from welcome today, only the SAR I sent them stated only one account number, as thats all I had on the last letter they sent me. This letter states what looks like four sets of account numbers, only had the account re-written once to make the hp over a longer period to bring the payments down, was in 2008. So not sure about the other sets of account numbers. Also they say they only received it 16/01/10 thats more than a couple of weeks after I sent it, have checked on the postal website and there is no confirmation on there, so I am assuming that it must have been delayed in the postal system, some how.

 

Best Regards

Dizzy.

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...