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    • Hi, this is the amended and hopefully final defence. Would someone just give it a once over for me before it's ready for filing on MCOL. I'm doubting myself but as I recall I don't need to post to the Sols or Claimant, just submit online?   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 Defendant contends that the particulars of claim are vague and generic in nature. The Defendant accordingly sets out its case below and relies on CPR 16.5 (3) in relation to any particular allegation to which a specific response has not been made.   3. Paragraph 1 is noted. I have in the past had financial dealings with New Day in which I can’t recall the precise details of any agreement and have therefore sought clarification by way of a CPR 31.14 and section 78 request via signed for delivery which the claimant has failed to comply with.   4. Paragraph 3 is denied. I have not been served with a Termination Notice or Default Notice pursuant to sec 87 (1) the Consumer Credit Act 1974.   5. Paragraph 4 is denied. The defendant contends that no notice of assignment pursuant to s136 Law of Property Act and s82 a of the Consumer Credit Act 1974 has ever been served by the Claimant as alleged.   It is therefore not accepted with regards to the Defendant owing any monies to the Claimant and the Claimant is put to strict proof to:   a) Show how the Defendant has entered into an agreement and; b) Show how the Defendant has reached the amount claimed for and; c) Show the nature of the breach and evidence by way of a Default Notice pursuant to s87.1 CCA 1974. d) Show how the Claimant has the legal right, either under statute or equity to issue a claim.   As per Civil Procedure Rule 16.5 it is expected that the Claimant prove the allegation that the money is owed.   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.
    • Okay, it's turning out better than I expected. We can go over a resume of the situation when you get it back and see what you think might be outstanding and if you want to do anything about any of it.
    • Back home now - Not a wasted trip entirely but did not come back with the car. They took it in straight away at 8 to sort out the navigation which apparently is resolved.  Next was a health check again: 1. Battery = defective 2. Fuel Flap solenoid - Apparently this was on the MPC but I even missed this.  So another one to add to the list of not rectified but vehicle handed to us.  Worst case with this is the flap does not open. 3. Sun Visor - Requires replacing 4. Navigation - Resolved 5. Tyres - The low tread has been deemed as perished - again, I do not understand how this went through MOT the day before collection!  And they also found a nail in the tread - by the looks of it and the lack of miles we've covered, it's been in there a while.  Agreed front right is budget make.   Took a bit of to/fro but all points have been authorised by Sales for Servicing to carry out - essentially as Sales missed this (or were told it was good to sell), they foot the bill.  Internal politics and all fake/virtual money.   The bad news is despite a note to order the battery last week "just incase", it was not done so battery, solenoid, visor and tyres all will be ordered in for tomorrow and resolved tomorrow hence coming back without it today. Upside, after a bit of pushing, I did get an Automatic Q3 70 plate which was the salesmans own demonstrator.   Salesman also apologised for the way he had been/tone used last week so we've put all that in the past (if everything is sorted!)   Finally, raised the fact their MPC states various services need doing.  The service advisor agreed, checked and to my surprise, the day we picked it up, they were completed. I got a printout stating this which included the oil service (even though it was done in September), gearbox service, Haldex (for the quattro system) and brake fluid.   Only thing I need to ask tomorrow is the parts list does not state Gear Box filter which is part of the service on the s-tronics and gear oil seems to be 1x G060175A2.  IF I am reading this correctly, this is only a top up of 850ml and not a complete service which should be around 5-7 litres + filter.
    • as long as returning the car doesn't cost you ...yes. however you are not compelled to do so out of your own pocket. you simply write, if you need too, stating the car is ready for collection at anytime but please advise me first.   but of course, be a wee bit smart here, until/unless the judgement is actually satisfied, it goes nowhere! dx  
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    • I came across this discussion recently and just wanted to give my experience of A Shade Greener that may help others regarding their boiler finance agreement.
       
      We had a 10yr  finance contract for a boiler fitted July 2015.
       
      After a summer of discontent with ASG I discovered that if you have paid HALF the agreement or more you can legally return the boiler to them at no cost to yourself. I've just returned mine the feeling is liberating.
       
      It all started mid summer during lockdown when they refused to service our boiler because we didn't have a loft ladder or flooring installed despite the fact AS installed the boiler. and had previosuly serviced it without issue for 4yrs. After consulting with an independent installer I was informed that if this was the case then ASG had breached building regulations,  this was duly reported to Gas Safe to investigate and even then ASG refused to accept blame and repeatedly said it was my problem. Anyway Gas Safe found them in breach of building regs and a compromise was reached.
       
      A month later and ASG attended to service our boiler but in the process left the boiler unusuable as it kept losing pressure not to mention they had damaged the filling loop in the process which they said was my responsibilty not theres and would charge me to repair, so generous of them! Soon after reporting the fault I got a letter stating it was time we arranged a powerflush on our heating system which they make you do after 5 years even though there's nothing in the contract that states this. Coincidence?
       
      After a few heated exchanges with ASG (pardon the pun) I decided to pull the plug and cancel our agreement.
       
      The boiler was removed and replaced by a reputable installer,  and the old boiler was returned to ASG thus ending our contract with them. What's mad is I saved in excess of £1000 in the long run and got a new boiler with a brand new 12yr warranty. 
       
      You only have to look at TrustPilot to get an idea of what this company is like.
       
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    • Dazza a few months ago I discovered a good friend of mine who had ten debts with cards and catalogues which he was slavishly paying off at detriment to his own family quality of life, and I mean hardship, not just absence of second holidays or flat screen TV's.
       
      I wrote to all his creditors asking for supporting documents and not one could provide any material that would allow them to enforce the debt.
       
      As a result he stopped paying and they have been unable to do anything, one even admitted it was unenforceable.
       
      If circumstances have got to the point where you are finding it unmanageable you must ask yourself why you feel the need to pay.  I guarantee you that these companies have built bad debt into their business model and no one over there is losing any sleep over your debt to them!  They will see you as a victim and cash cow and they will be reluctant to discuss final offers, only ways to keep you paying with threats of court action or seizing your assets if you have any.
       
      They are not your friends and you owe them no loyalty or moral duty, that must remain only for yourself and your family.
       
      If it was me I would send them all a CCA request.   I would bet that not one will provide the correct response and you can quite legally stop paying them until such time as they do provide a response.   Even when they do you should check back here as they mostly send dodgy photo copies or generic rubbish that has no connection with your supposed debt.
       
      The money you are paying them should, as far as you are able, be put to a savings account for yourself and as a means of paying of one of these fleecers should they ever manage to get to to the point of a successful court judgement.  After six years they will not be able to start court action and that money will then become yours.
       
      They will of course pursue you for the funds and pass your file around various departments of their business and out to third parties.
       
      Your response is that you should treat it as a hobby.  I have numerous files of correspondence each faithfully organised showing the various letters from different DCA;s , solicitors etc with a mix of threats, inducements and offers.   It is like my stamp collection and I show it to anyone who is interested!
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Welcome are now officially dead and buried


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This announcement replaces the Cattles plc 'Potential Staff Reductions' announcement released today at 10.01am under RNS No 7456G. The company name throughout the announcement should read 'Cattles plc' and not 'Moscow plc' as previously stated. All other details remain unchanged. The full announcement appears below.
Numpties, they can't even get their own business name right LOL! :rolleyes: Edited by jackst01
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Well two calls today from a very civil account manager (i know civial and welcome in the same sentence) :D

Offering me a reduction of £3k on what I owe..he can only keep the offer going until the end of Feb he said...

No way I can raise the money but nice to keep em stringing along...

Sounds to me as if this branch could be bye bye end of Feb...

Been paying my accts regular though so I guess these could end up at head office ?

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Was due to make payment today to Edinburgh West office unable to get answer as phone line dead had to call 0845 number for head office and asked to be put onto local office. The man from head office said sorry but office no longer there as they are being moved about lolololol

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Heres the link;

 

CATTLES Discussion CTT CTT.L - Interactive Investor

 

Incidentally, and I know this is strange for this forum but I had a very productive interaction with WF yesterday; they were very helpful about my sitaution and appeared to be wanting to help me rather than grab every penny they could. Didn't sense any alterior motive (other than a gentle encouragement to consider an early settlement). It was all quite surreal! Maybe the staff are rebelling by being nice to customers; I'm sure they all know the end is nigh.

 

Don't you believe it fella, My account manager did that and even cancelled my direct debit saying I should try and make whatever payment I could each month. And then I get a £35 charge for an unpaid DD which is impossible as the DD was cancelled more than 14 days before it was due.

 

Never missed a payment. Feel really disgusted about it.

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We need a list of stores tat are closing, so to our welcome informants plzzzzz go get us a list of bye byes.

I am a consumer helping other consumers. Together we can and will make a differance. Please double check any information or advise I may give as I like yourself am learning as I go along in life.

1) give a small donation to this site to keep it going because without this forum I would know nothing.

2) Use your experience to help somone else on another thread.

 

Please do not PM me, my mail address is my username at this site address . I will not under any circumstances give out advise or help through mail, only on the open forum, however feel free to mail me to point me towards your thread and general talk etc.

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I've heard the Sutton office is on the list, don't know that for sure but can keep an eye on the lights there as I come home from work - the bus passes by on a daily basis, the building has been up for sale for some time now.

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Come on spies we need info :lol:

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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Yeah they do seem to have selective reading of letters. lol. . . no update yet, been kinda quiet on the home front in last few weeks.

I am a consumer helping other consumers. Together we can and will make a differance. Please double check any information or advise I may give as I like yourself am learning as I go along in life.

1) give a small donation to this site to keep it going because without this forum I would know nothing.

2) Use your experience to help somone else on another thread.

 

Please do not PM me, my mail address is my username at this site address . I will not under any circumstances give out advise or help through mail, only on the open forum, however feel free to mail me to point me towards your thread and general talk etc.

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disconcertingly quiet i feel :confused:

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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i personally think welcome are dead ...in the water....the sharks are coming to get them.....no wait that was a dream..

 

but i honestly do feel if you look at the share markets they are falling..it only a matter of time till the dollar goes belly up..

 

theres 0 chance of investment from any uk/american banks..

 

so i would just sit it out until you hear from the debt collection agencys who will be running the welcome accounts down..

 

karma is wonderfull

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I think they realise people are trying to play them and are sticking there grounds, they would not budge 1p on my £14k i owed, but the agent must of been on comission for an early settlement as she seemed to nearly wet herself when i agreed to pay on debit card.

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I think i agree mpotts they do seem to be going through waves of collection activity and they know that people think s*d it they going down anyway why bother paying etc but that doesnt help those of us that actually have complaints that need answering! I bet you made that persons day paying immediately :lol:

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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Yeah think of their figures for the day when he paid 14K lol.

I am a consumer helping other consumers. Together we can and will make a differance. Please double check any information or advise I may give as I like yourself am learning as I go along in life.

1) give a small donation to this site to keep it going because without this forum I would know nothing.

2) Use your experience to help somone else on another thread.

 

Please do not PM me, my mail address is my username at this site address . I will not under any circumstances give out advise or help through mail, only on the open forum, however feel free to mail me to point me towards your thread and general talk etc.

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Well like a lot of other folks I dont have an abundance of spare cash sloshing around tho like most I do take exception to having an agreement that seemingly is going to be littered with blunder after blunder (am sure the SAR will confirm this when received). I guess the key thing is to hold your nerve?

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I guess the key thing is to hold your nerve?

 

It really is, and welcome and other companies relly on the fact that like 90% of complaints will not follow through. so they send a letter saying final response and most will just accept it, also throw a few bully boy tactics and most people will just sink and allow these companies to rule.

I am a consumer helping other consumers. Together we can and will make a differance. Please double check any information or advise I may give as I like yourself am learning as I go along in life.

1) give a small donation to this site to keep it going because without this forum I would know nothing.

2) Use your experience to help somone else on another thread.

 

Please do not PM me, my mail address is my username at this site address . I will not under any circumstances give out advise or help through mail, only on the open forum, however feel free to mail me to point me towards your thread and general talk etc.

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Had an email in my Spam this morning. I usually just delete but, I read this and almost cried.

 

Cash loans, bad credit loans & doorstep loans £50 to £500 | Provident Personal Credit

 

272% APR!!! I feel sad for ALL the people who will sign up for this.

 

This is the Armed Wing of Welscum and they are carrying out this Terrorist Campaign right now.

 

I read somewhere a while ago, something by the CEO of these *ASTARDS ( I think), that they rely on " FEAR " to ensure payment. Peoples "FEAR " of Letting Down the Friendly Doorstep Collector when they call for the weekly payment will drive most Customers to pay at least something.

 

Well Done that man!!! That`s Extra Bonuses for him!!! What a way to think.

 

Cheers, MARK

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Hey Mark, darn good to see you back with us. . how you doing my old friend ?

I am a consumer helping other consumers. Together we can and will make a differance. Please double check any information or advise I may give as I like yourself am learning as I go along in life.

1) give a small donation to this site to keep it going because without this forum I would know nothing.

2) Use your experience to help somone else on another thread.

 

Please do not PM me, my mail address is my username at this site address . I will not under any circumstances give out advise or help through mail, only on the open forum, however feel free to mail me to point me towards your thread and general talk etc.

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Keep your eyes peeled on the telly mark. you will see an advert for "quick quid" or something similar and the apr is......wait for it over 2000!!!!!!!!

absolutely ***kin amazing!

 

Surely these must be inbred welscummers?

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hi guys

 

i have had a loan with welcome for over 2 years now and still owe£1400

how do i go about asking em to settle early and how much i should offer em

 

ie do i need to write a letter or phone them saying im struggling and can pay say £700 cash right now and close the acc???

 

 

someone plz help as i want this mob of my back

 

thanks in advnce

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