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    • lets cut to the chase, HB,  Christmas is Cancelled,  it already is by the Wee Nippy in Scotland it seems, where she is talking of a Zoom Christmas. so record a parody Christmas song.  Zoom Christmas a parody of Bing Crosby White Christmas I might just do that today Fire up the DAW plug in the mic
    • @honeybee13I genuinely think Boris is confused about what to do. Economic disaster v even more unexpected deaths.    I see what you mean, UB, but is it possible that dithering since September means that lockdown will be longer and cost the economy more than if there had been a two or three week circuit breaker a few weeks ago?   I'm interested to know why it's going to be on Wednesday, so quite a wait from it being known, albeit through two newspapers and not an announcement yet. France had a day or two's notice of their second lockdown.  
    • I'm trying to understand the whole story.   However it would help if you would identify the companies you have been dealing with
    • @honeybee13I genuinely think Boris is confused about what to do. Economic disaster v even more unexpected deaths.    The big problem with this virus is that many people have very mild symptoms or no symptoms at all, but can still pass on the virus to others.    And with winter bugs having some similar symptoms to CV-19, there are probably thousands in workplaces with CV-19 who just don't know they are risking others lifes.   If Government are going to lockdown the country for a period, it has to be really strict and that includes schools and Colleges.  They should have done this in a planned way around the half-term period.   
    • So you have been receiving more messages and threats??  This is what they do.   You are starting to feel nervous and worried??  That's why they do it.   Are you starting to think it might be better simply to pay???  Then it's job done.
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    • Hermes lost parcel.. Read more at https://www.consumeractiongroup.co.uk/topic/422615-hermes-lost-parcel/
      • 49 replies
    • Oven repair. https://www.consumeractiongroup.co.uk/topic/427690-oven-repair/&do=findComment&comment=5073391
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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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Thanks Beyond

 

Welcome will argue that black is blue over even the most inaccurate agreements to claw as much money as possible.

 

I for one know I have a fight on my hands :evil:.

 

 

How true !! You pay em they are totally happy you dispute anything then the letters/doorstep visits and charges start...

Reading the financial news on those investors losing money hand over fist then complaining to the authorities of mis-managemnt , false book keeping makes my day..they were happy to invest in an immoral company now it has lost some of them thousands...priceless :D

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Some interesting comments from shareholders on LSE.co.uk

 

Highlighted some snippets , last entry Fri 5th March...read from bottom to top..

 

I like the opening line ' investors will see little or no value to their share holdings ' - well losing millions a day I reckon that even those lacking in any basic mathamtical skills will agree with that :D

 

Posts: 969

Answer

Opinion: No Opinion

Price: 0.00

MikeMcFri 21:33

 

'Investors are advised they will see little or no value to their share holdings in Cattles'

 

Like everyone else, you'll have to wait and see MikeMc, that's the official line, but there are some on here who think the shares are already valueless, personally I'm going to wait and see, that's my best advice to you

Learn about share trading, CFDs, Spread Betting and Foreign Exchange

 

Any news?Fri 13:09

I have a small amount (£1k) of shares with Cattles. Any idea what will happen and if I will get my cash back?max1965

 

business GrowthTue 13:32

aimed at driving business growth ?????eccles

 

mikeyboy231 Mar '10

still does not say if we will get release . and that.s wat we all would like to know . Fell sorry for ones that will lose there jobs .but i think we have lose it all . only time will tell . GL allmikeyboy23

 

link1 Mar '10

http://www.investegate.co.uk/Article.aspx?id=201003010901278283Hexplorer

gmfoods

 

24 Feb '10

yes i know welcome is finished but with shopacheck and the lewis group still trading normally and still part of cattles im still holding out for the time being ive not writtent them off yet until told otherwise officially although i should do .

 

 

GMFOODS

Posts: 244

Off Topic

Opinion: Strong Sell

Price: 0.00

explorer23 Feb '10

 

What answers are you waiting for? It's gone, it's all gone.....explorer

gjwg re, the end?

 

 

19 Feb '10

hopefully well get an answer soon ,but someone on iii says hes recieved a letter from cattles regarding agm meeting whereas ive so far recieved nothing!.with new tax year fast approaching some news one way or the other will come soon

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Oh Yes I Did It!!! lol;) Very Pleased with that!!! lol:razz: As soon as I had Did It My *UCKING Computer went Tits Up!!! WHY ME !!! :eek:

 

Took some sorting out as well. But I`m back. So Look Out ****!!! :-x I!m even more Peed Off `Cause You Broke My Computer!!! LMAO :D

 

Cheers, MARK

 

 

OMG the sc*m got into the computer :lol: :lol: Go get um mark :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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Hi all

 

Not 10 minutes ago I had a delightful man on my doorstep who said he was from Welcome Finance looking for my son who fortunately gave my address when he took out an agreement for either a car loan or an HP agreement. This is in dispute at the moment.

I had a great deal of pleasure in telling him one or two fact of life and also he has got as much chance of me telling him where my son is as Gordon Brown winning the next election. I found him to be a reasonable man mind you he was faced with 6' 2" of pure muscle (Well I think I am) and when faced with the decision of my drive or the footpath in one easy movement, he thought about it for one second, and as he ran off up the road was shouting 'We will take the car back' So they are still about.

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Hi Mark

 

I'm very busy but doing ok, but '**** have come back to me and said I have no dispute!:D

 

Check out my thread:

 

http://www.consumeractiongroup.co.uk/forum/welcome-finance/245334-what-do-i-do.html

 

Gonna speak to CAB and see a solicitor about this - needs a professional touch as its a big problem.

 

Lawrence

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Best of luck lawrence :)

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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Hi all

 

Not 10 minutes ago I had a delightful man on my doorstep who said he was from Welcome Finance looking for my son who fortunately gave my address when he took out an agreement for either a car loan or an HP agreement. This is in dispute at the moment.

I had a great deal of pleasure in telling him one or two fact of life and also he has got as much chance of me telling him where my son is as Gordon Brown winning the next election. I found him to be a reasonable man mind you he was faced with 6' 2" of pure muscle (Well I think I am) and when faced with the decision of my drive or the footpath in one easy movement, he thought about it for one second, and as he ran off up the road was shouting 'We will take the car back' So they are still about.

 

 

LMAO...running up the road I can just picture it now...these lot should be in Oliver Twist..it's obvious they are trying to claw back all their ill gotten gains before all their pauper houses (sorry offices) are well and truly shutdown...

You can imagine Fagan (or the branch manager) sat rubbing his hands with glee while his little minions come back with a little silver or gold trinket for him (dodgy Welcome contract to you and I ) :grin:

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  • 2 weeks later...

A response from: Karen Mckenna (cattles)

 

 

 

Re: Regarding company shares‏

 

From: Karen Mckenna (KarenMcKenna@cattles.co.uk)

 

Sent: 22 March 2010 15:19:48

 

To: xxx

 

Good Afternoon

 

Thank you for your email.

 

The shares in Cattles plc were suspended on 23 April. The Board requested a suspension when it became clear that we would not be in a position to fulfil our reporting obligations as a quoted company. At the time of the share suspension, the revelation of the Group's serious problems had already reduced the share price to a nominal level. The shares will remain suspended until further notice while the Board continues to work towards agreeing a restructuring with the Group's financial creditors.The Board indicated to shareholders at the AGM on 29 July 2009 that the size of the under-impairment in 2008 and earlier years was such that it would be very difficult to recover value for shareholders. The prospects for any such recovery have further diminished in the absence of a viable plan to rebuild the Welcome business.

 

 

 

Shareholders should therefore be aware that, in view of this and of the now substantial negative value of shareholders funds, the shares are likely to have little or no value.

 

Cattles plc

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Shareholders should be aware that if they plough their money into a corrupt business at some point it will blow up in their faces..

 

That day has come !! :D

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I had a letter from Lewis group yesterday saying I have to pay the full balance. Yeah whatever. Never got my complete SAR, and they didnt even reply to my CCA, although had a letter saying they were processing it.

 

I put account into dispute they said no its not in account (by way of reply letter).

 

Where do I go now.

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ACCOUNT IN DISPUTE

 

Date:

 

Ref:

 

Dear Sir/Madam

 

Thank you for your letter of xx/xx/xx, the contents of which have been noted.

 

You have failed to respond to my legal request to supply me a true copy of the original Consumer Credit Agreement for the above account.

 

On **DATE** I made a formal request for a true signed agreement for the alleged account under consumer credit Act 1974 s77/8. This was signed for as delivered on the **DATE**

You have failed to comply with my request, and as such the account entered default on **DATE** (12+2 days after you made the initial request).

 

The document that you are obliged to send me is a true copy of the executed agreement that contained all of the prescribed terms, all other required terms and statutory notices and was signed by both your company and myself as defined in section 61(1) of CCA 74 and subsequent Statutory Instruments. If the executed agreement contained any reference to any other document, you are also obliged to send me a copy of that document. In addition a full statement of this account should have been sent to me detailing all debits and credits to the account.

 

Furthermore, you are aware that the Consumer Credit Act allows 12 working days for a request for a true copy of a credit agreement to be carried out before you/your client enters into a default situation.

 

This limit has expired.

 

As you are no doubt aware section 78(6) states:

 

If the creditor fails to comply with Subsection (1)

 

(a) He is not entitled , while the default continues, to enforce the agreement.

 

Therefore this account has become unenforceable at law.

 

As you have failed to comply with a lawful request for a true, signed copy of the said agreement and other relevant documents mentioned in it, Failed to send a full statement of the account and Failed to provide any of the documentation requested. You will also be aware of the CPUTR 2008 and the OFT's guidelines on debt collection which state under the title Deceptive and/or unfair methods - Examples of unfair practices are as follows - 2.8

 

(i) - 'Failing to investigate and/or provide details as appropriate, when a debt is queried or disputed, possibly resulting in debtors being wrongly pursued'

 

(k) - 'Not ceasing collection activity whilst investigating a reasonable queried or disputed debt'

 

Consequentially any legal action you pursue will be averred as both UNLAWFUL and VEXATIOUS.

 

Furthermore I shall counterclaim that any such action constitutes unlawful harassment.

 

Please note you may also consider this letter as a statutory notice under section 10 of the Data Protection Act to cease processing any data in relation to this account with immediate effect.

 

This means you must remove all information regarding this account from your own internal records and from my records with any credit reference agencies.

Should you refuse to comply, you must within 21 days provide me with a detailed breakdown of your reasoning behind continuing to process my data.

 

It is not sufficient to simply state that you have a ‘legal right’; You must outline your reasoning in this matter and state upon which legislation this reasoning depends.

 

Should you not respond within 14 days I expect that this means you agree to remove all such data.

 

Furthermore you should be aware that a creditor is not permitted to take ANY

Action against an account whilst it remains in dispute.

 

The lack of a credit agreement is a very clear dispute and as such the following applies.

 

* You may not demand any payment on the account, nor am I obliged to offer any payment to you.

* You may not add further interest or any charges to the account.

* You may not pass the account to a third party.

* You may not register any information in respect of the account with any credit reference agency.

* You may not issue a default notice related to the account.

 

I reserve the right to report your actions to any such regulatory authorities as I see fit.

You have 14 days from receiving this letter to contact me with your intentions to resolve this matter which is now a formal complaint.

 

I would appreciate your due diligence in this matter.

 

I look forward to hearing from you in writing.

 

Yours faithfully

 

 

 

LEWIS DCA IS WELCOME SO IGNORE

 

IF YOU HAVE SENT THIS OR ARE ABOUT TO SEND, WELCOME CAN THEN DO S.F.A

 

AS LONG AS SENT BY RECORDED DELIVERY

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Remember - a 'true copy' does not have to actually be a copy; it does not have to have a signature or address. It only must have the T&Cs (including the prescribed terms, of course.

 

If they have sent you a copy of T&Cs, then they have complied with s77/s78.

 

That doesn't make it enforceable, of course.

Steven

 

Using CAG Toolbar will generate much needed income - Download Here

 

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Any opinions are without prejudice & without liability. Do not take any legal action on my advice alone. Almost everything I know concerning the law I learned from this site.

 

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I hear that by the end of June the next round of mass branch closures/redundancies will be underway, and what remains of Welscum is to collect the outstanding loan book asap and using any means they can to do it!

 

Overall it seems it will take another 2-3yrs before Welscum are gone, meanwhile Cattles will live on to nurture its succesful 'Shopacheck' doorstep loan shark arm, the whole lot should have been wiped off the finacial map ages ago :mad:

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This company is built on greed and has no scruples I have a loan with these crooks and have never missed a payment but kept getting calls asking when i was paying next little did i know they were charging me, I'm now in the process of claiming five years mis sold ppi. Ive borrowed £3,500 and have paid back £7,000 and have £3,500 to pay, I wont rest until I get it all back. Anyone who works for these crooks know whats going on and deserve all they get!!

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I've no doubt they'r crooks based on a conversation my better half had with them just a few weeks ago re an existing a 0% agreement, which came about cos of a previous complaint about their practices, and it appears now that want to apply interest to the outstanding balance or for her to pay off the balance in full, this is depsite being bang up to date with payments and no arears, she told them to put it in writing if they dare and would happily see them in court, guess what, no such letter has been received to date!

 

I can't believe the stunts these guys & gals pull, and to the vulernable or those scared by the threats, Welscum must get away with a lot of stuff that in short is illegal!

 

They now seem ever more desperate than ever to claw money to be able to close their loan book asap, and in doing so pulling every stunt they can think of to do it!

 

Its about time Welscum were investigated for their current practices let alone previous!

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Comes too late for Welscum, they closed their lending book ages ago, its their practices to bring in money now that need investigation!

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I now have 14 days to pay the ficticious balance (13 days gone so far!!) OR ELSE!! If anyone from Welcome is reading any of this Good Luck with the OR ELSE.....................

 

 

Hi yes my daughter meets her deadline tomorrro for the ficticious balance they say she owes.....trouble is we dont know what to do......do we pay before they start adding more interest ..........I came on here to write to the ombusman.....

Bev Walker:???:

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folks

we are getting between 10 and 15 phone calls a day from welcome regarding a 'joint' account. we do have one with them (secured) and agreed with that we would pay reduced payments for two months then go back to the normal payment, this we did. However we are getting default notices on this account despite paying it and we have the evidence via bank statements that this is so. I refuse to answer their security questions and despite writing to say i will only deal with them in writing they say this simply can't happen as they cannot access my account unless the questions are answered.

 

They are now trying a new tactic leaving a message on our phone to say "our systems have detected that this is an answerphone if this is incorrect press1".............do they think we are stupid.

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