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    • and it legally informs them of your correct and current address as you must do with all old debts last paid/used in say 7 yrs you dont want backdoor CCJ's. what were the names of these IVA scammers, the one you took it out with, and the one that scammed you to let them take over please? your story is slightly worrying. dx  
    • Incidentally, congratulations on not buying the warranty. That is another Big Motoring World rip-off. See what we have to say about extended warranties and the Big Motoring World attitude to them is particularly unhelpful
    • well that google is from 2019, but the photos are certainly of someone driving on the public highway in/out by an ANP system, though the site of where the camera actually is, is not showing there are anpr cameras up by the low yellow barriers but they wont get from facing shots from there. interesting, needs to be checked if the road IS a public highway but on private land, cause as you say, if the whole area is max 4hrs , how does the hotel work< ?? must have a reg entry system.  now as for taking pictures of cars on a public highway then guessing the are parking ...erm.... i dont thnk thats right nor allowed under GDPR. dx  
    • Under the consumer rights act 2015, if a defect manifests itself within 30 days and you have a right to return the vehicle for a full refund. If any defect manifests itself within the first six months of ownership then you have a right to return the vehicle for a full refund subject to the retailers right to carry out a repair. If the retailer declines to repair or if the repair fails then you have the right to return. The problem here is that you have to assert their right. It's a bit ridiculous – but you have to do let them know preferably in writing that you are asserting your rights under the consumer rights act either the 30 day right or the six month right. I suppose that you haven't done this – which would be quite understandable because most people don't know that these rights exist and that they are subject to these conditions – the condition that the right must be inserted. It is frankly ridiculous. The dealers know it and we have lots of instances of this company delaying appointments et cetera and our strong suspicion is that they are simply trying to run their customers out of time. On the basis that you haven't asserted your rights, we now have to look to ordinary contract law. You are entitled to purchase a vehicle which is of satisfactory condition and which remains that way for a reasonable period of time. Clearly it is in satisfactory. They are blaming you. Has your independent inspection identified the reason for the defect? This will be important because as you have seen BMW are already saying it is down to your driving and you are going to have to produce evidence that it wasn't down to your driving and the you drove it absolutely reasonably and it was simply the condition of the car. Have you been without the car for any period of time. Is it driveable now? If the car was off the road for a substantial amount of time and was still off the road then you would be able to argue that this is a fundamental breach of contract and that you have been deprived of substantially the whole benefit of the contract and therefore you will be entitled to treat the contract as breached by Big Motoring World and insist on cancelling the contract. It may be that you will eventually be obliged to keep the car but have the repairs paid for. Have you had any quotations for the work that needs doing? I asked you questions about the MOT – but you haven't responded.
    • A 'violent left wing mob', comprised of a chap in a red hoody with a damp polystyrene coffee cup and a bit of wet cement, gets nowhere near cowering frightened farage some distance away on top of his double decker bus .. as farages security and support seem to film the incident grinning     Farage bravely flinches, grimaces and seems to almost burst into tears as the 'objects managed to travel a part of the way toward his position on top of his bus. His reactions honed by having a bit of milk splash him at a prior incident allow him to swiftly fall into a protective cower and grimace .. .. Sometime after, once the mob of 1 had been safely bundled away, farage apparently wipes his eyes of tears, and rising from his cowed and frightened pose, bravely shouts “I will not be bullied or cowed by a violent left-wing mob who hate our country.” .. however few they may comprise of.   https://www.independent.co.uk/news/uk/crime/nigel-farage-cement-barnsley-reform-uk-b2560501.html  
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Secured Welcome Loan - Help!


Gram1
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Gram, if the loan is secured did you get a quiet period of time to consider the loan before accepting?

 

I believe Post is clued up on this but I believe the creditor in such cases needs to stay away from you between the loan offer and your acceptance in order to ensure you are not pressured into taking a loan secured on property. Perhaps Post can comment when the apr check is done. If it's out then you'll be a happy bunny. The apr can be under by 1% but not over by more than 0.1% I think, something like that anyway.

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Gram, if the loan is secured did you get a quiet period of time to consider the loan before accepting?

 

I believe Post is clued up on this but I believe the creditor in such cases needs to stay away from you between the loan offer and your acceptance in order to ensure you are not pressured into taking a loan secured on property. Perhaps Post can comment when the apr check is done. If it's out then you'll be a happy bunny. The apr can be under by 1% but not over by more than 0.1% I think, something like that anyway.

 

Unfortunately the one thing i do remember is that they did give the cooling off period before they would pay out the loan. I remember this because they kept sending out our quote and we didnt receive it so they had to keep resending it and they said the cooling off period had to start again each time they resent it

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BAD

 

TOTALLY THE OPPOSIT

 

THIS IS LOOKING LIKE A BAD AGREEMENT BUT NEED CONFIRMATION

 

Oh good. i hope so :) Not sure what the apr thing means but hopefully that is another good thing.

 

Also, i blacked out the address on the agreement before posting it, but i just noticed when i did this that the address is actually wrong. The 1st line of our address is correct, ie the house number and street, but the town&city are for somewhere in Wales i think - I live in Scotland. I think this explains why we didnt get the paperwork a few times originally (see previous post).

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Same wavelength for sure but only because I remember one of your older posts explaining this to another Welcome customer. As such my understanding of this is not as comprehensive as yours, I merely know the basics. Had a secured loan myself actually with our mortgage lender Abbey.

 

I checked the paperwork and saw from the date of their letter offering the loan to the date the money cleared into our account (after they sent the cheque) was literally nine or ten days, all extremely rapid. I wrote to them about this and they stalled for a bit before stating I was incorrect about the cooling period. Not too sure where I stand actually but something I resolved myself to find more about. Keep getting distracted with helping people though! :rolleyes:

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Gram

 

I Have Enough

 

Ime Going To Do A Letter For You

 

Check Back Tonight And Decide How You Want To Play This

 

 

Thats great postggj i really appreciate it. I will check back later.

 

The long and short of our situation is that we are currently a couple of months in arrears and had been paying a bit extra each month to help eat into the arrears. We cant afford to do that now and are struggling to make the normally monthly payment so i suspect they are going to up the ante even more now with regards chasing us. We have already received a default letter saying we had to pay the arrears within 14 days etc but they guy i spoke to said to ignore this as we were currently paying more than our contractual monthly payment so it was all ok at the moment. - obviously this now isnt the case as we cant afford it so im really worried about what will happen next and want to fight with fire so that i can get some breathing space here and not be taken to the cleaners by them!

 

Also whether this makes any difference or not i dont know, but it would be pretty poitnless in them trying to force a repo on us as they wouldnt get a penny as we owe more to our mortgage and 2nd charge (Picture) than what the house is worth so there would be no money left to give to welcome if the house was sold.

 

Just thought i'd give you all the info in case any of it helps. and thanks ever so much again.

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Gram, out of interest what is the date on the default letter/notice and what date is given for you to comply in order to avoid the default? They need to give you 14 days but many forget to allow for postage time meaning the default is invalid.

 

Could be useful if at any time in the future they start to get really heavy, irrespective of the potential apr irregularities that may surface.

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Gram, out of interest what is the date on the default letter/notice and what date is given for you to comply in order to avoid the default? They need to give you 14 days but many forget to allow for postage time meaning the default is invalid.

 

Could be useful if at any time in the future they start to get really heavy, irrespective of the potential apr irregularities that may surface.

 

Hi

 

They didn't give a date to comply by, they just said within 14 days which i gather from other posts is wrong on their part - they should have quoted a date.

 

Can't wait to see what postggj's verdict is on the agreement as a whole and the apr.

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Gram, out of interest who is the 1st charge with?

 

as for the 2nd charge...picture! search the mortgage and secured loan thread...you might find useful info over there to help you with those parasites..

 

b-o-2

ANYBODY WHO NEEDS INFO ON YOUR LEHMANS MORTGAGE

either SPML/PML/LMC/SPPL; the following are DIRECT tel#s,

of the investigating & prosecuting organisations: DONOT say you are from CAG-only directly affected or a concerned citizen.

 

1. Companies House: Kevin Hughes(Compliance Manager-main) @ 02920 380 633

2. CH : Lee Jenkins(prosecuting Amany Attia(MD) for SPML/PML) @ 02920 380 643

3. CH : Mark Youde(accounts compliance) @ 02920 380 955

 

4. Companies Investigation Branch(CIB) : Charlotte Allan @ 0207 596 6108

(part of the Insolvency Service) investigating all the Lehman lenders

 

5. CIB : Jeremy Pilcher('unofficial'-consumer/company lawyer) : @ 0207 637 6231

__________________

File YOUR 'Companies Investigation Branch'- CIB complaint online NOW!!!!

 

http://www.insolvency.gov.uk/complaintformcib.htm

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