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    • Thank you very much for your letter in regard to the above mentioned shipment.  Due to the high volume of parcels coursing through the courier network each day, undergoing continuous processing and handling, certain packages may experience delays or even can get lost in the course of this journey. Please note that due to the time that has passed, this shipment has been declared as lost.  I have today processed the claim and made offers to the value of £75 as a goodwill gesture without prejudice. I do acknowledge that you have mentioned in your letter that the value was higher, however, you did not take out any protection to that amount. The protection for this shipment was £20 and we will not be increasing our goodwill offer any further.    Please log into your account online in order to accept our offer. Once accepted, our accounts department will process the claim accordingly. The claim payment will be processed and received within 7 working days.                                  In addition, a refund of the carriage fee will be processed as a separate payment and will be received within 3 working days.  If I can further assist, please feel free to contact me.   I have also just noticed that yesterday afternoon they sent me an email stating that "after my request" they have refunded the cost of shipping. I did not request the refund so will mention that in my letter as well.
    • Hi I had to leave Dubai back in 2011, during the financial crisis. And only now have I received a letter from IDRWW. Is this anything to worry about about as I have 2 years left until it’s been 15 years(statute barred in Dubai). Worried as just got a mortgage 2 years ago. Could they force me in to bankruptcy? Red lots of different threads on here. And unsure what true and what isn’t. 
    • Not that TOR will see this now he's thrown in the hand grenade. Rayner has plenty of female supporters on X, for a start. As for the council and HMRC, fair enough and I thought Rayner was already in touch with them. That's where it should be dealt with, not the police force. @tobyjugg2 Daniel Finkelstein thinks the same as you about tax. The Fiver theory. How the Fiver Theory explains this election campaign ARCHIVE.PH archived 28 May 2024 17:36:51 UTC  
    • Often with the Likes of Lowells/ Overdales that 'proof' doesn't stand up to scrutiny.   Think about it like a game of poker, they want to intimidate you into folding and giving up as soon as possible, and just get you to pay up and roll over, that is their business model, make you think your cards are rubbish. What they don't expect, and their business isn't set up for it, is for a defendant to find this place and to learn that they have an amazing set of cards to play. Overdales don't have an infinite number of lawyers, paralegals etc, and the time / money to spend on expensive court cases, that they are highly likely to lose, hence how hard they will try to get you to roll over.  Even to the extent of faking documents, which they need to do because the debts that they purchased were so cheap, in the first place. Nevertheless it works in most cases, most people chicken out, when they are so close to winning, and a holding defence is like slowly showing Overdales your first card, and a marker of intention that this could get tricky for them. In fact it may be,  although by no means guaranteed that it won't even go any further than that.  Even if it does, what they send you back will almost certainly have more holes than Swiss Cheese, and if with the help you receive here, you can identify those weaknesses and get the whole thing tossed in the bin.
    • So Rayner who is don’t forget still being investigated by the local council and HMRC  is now begging to save her seat Not a WOMAN in sight in this video other than Rayner  Farage is utterly correct this country’s values are non existent in her seat   Rayner Pleads With Muslim Voters as Pressure From Galloway Grows – Guido Fawkes ORDER-ORDER.COM Guido has obtained a leaked tape from inside a meeting between Angela Rayner and Muslim voters in Ashton-under-Lyne...  
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      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.
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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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