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    • Is the letter headed Letter of Claim/before Claim or similar? If not, it sounds like more of the threatogram chain. If you're not sure, post up an anonymised copy of the letter and we'll check. HB
    • So guess what, we have received a final demand letter for £100. It states if payment is not made by 11/06 they will have no option but to forward the case to their litigation dept with a view to commence County Court Proceedings. So just wondering if anyone has any advice. Do we ignore this? or do we need to take action? Thanks 
    • hi dx, thanks for helping just re-reading everything this morning and I must have missed this one from uncle in his thread "What you should not do, is not contact the Banks and simply default on payments. "  are you in disagreement with this based on your last sentence?
    • Thanks for the reply and clarification, that might just explain why in my case contact has pretty much ceased. Though with such companies it doesn't mean they won't ever threaten to return to court as a tool to force one's hand if they feel they are not self informed on their chances etc.  But concerning how last year they tried to use the CCJ to get a charging order and the court granted an intirum order on our mortgage using the CCJ that would have been a good 2-3 months beyond the 6 years, should the court not have checked the age of the CCJ in the first case or would they always grant an interim order simply off the back of a CCJ being produced without even checking the age of it?.  Had I not defended that action at the time they may well have got a default using a CCJ older than 6 years which could be a concern going forwards. At the time when I contacted the court to question the paperwork for a final order application the clerk suggested people don't get informed when companies apply for interim charging orders, they are automatic if a claimant has a CCJ and people only get contacted once a date for a final order application goes through. kind of begs the question if such companies can continue a seemingly backdoor method to attempt default action if un-defended if the initial application doesn't need to check the age of a CCJ?.
    • Hello!  Wondering if someone can help with this.  I suspect not but worth a go.  I appreciate the "contract is with the seller" line, which is what Evri has fed me but wanted to see if someone with experience in these things could suggest anything else I could do here.  I appreciate there are many topics about lost parcels - My parcels weren't lost, until the driver walked up to my door with them and then decided to make them lost/stolen... I'll summarise what has happened.  Wednesday of last week - Evri delivery driver stole / walked off with 3 of my parcels.  -  Arrived outside my properly, took photos (3 separate photos as its 3 separate deliveries) of the tops of the parcels (pointlessly zoomed in on just the labels, couldn't see anything else, other than a small piece of the pavement and a little weed, which doubly confirms it was outside my door as I can see the same plant), marked the order as delivered and walked off with them.  He's marked on the Evri GPS marked that he was outside.   -  3 different deliveries, from the same company (same boxes etc.), but 3 separate tracking numbers. -  Went through the Evri bot which opened a case on each tracking number.  I then phoned them and left a voicemail explaining what had happened. -  24 hours later had a canned response asking me if the packages had turned up and to check around etc..  I responded explaining again what happened and that they've definitely been taken. -  4 days later,  this morning, I get a response telling me to ask the merchant to refund me. I've responded to this message with a long email, repeating what I said, that I believe the driver has stolen these packages and that he took those suspicious top down shots of the packages, marked them as delivered without ringing or knocking etc.  I've said that I expect them to investigate further, but I gather they won't. In my several messages to them initially and later, I told them I don't care about a refund and wanted the parcels.  They contain some sentimental stuff, nothing of high monetary value, hence me going to this trouble.  I only paid £25 for the contents. I did contact the merchant when this first happened and they asked me to wait a few days.  They ended up refunding me despite me asking them not to and that I wanted them to escalate it with Evri because this appears to be a case of theft.  They didn't seem bothered - Refunded me and told me to go back to Evri and escalate it with them? So - Is there any way to compel Evri to conduct a proper investigation with this driver?  Search for my parcels? I have quite a lot of deliveries handled by Evri (not out of choice) - They used to have a fantastic chap and I rarely had any issues.  He has been replaced by a new guy and I believe the route is handled by this same guy who I believe has taken my packages.  Naturally, I fear this is going to happen again in the future if no investigation occurs. Appreciate any assistance - Thanks for reading. Al.  
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Secured Welcome Loan - Help!


Gram1
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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

 

HI brassed off,

 

1st charge with Halifax, 2nd with Picture, 3rd with Welcome.

 

If we were to sell the house then Halifax would get all their loan back, Picture would only get about half of theirs and Welcome none.

 

I wish i could get Welcome and Picture to agree to 50p in the pound f&f settlements and then we would simply sell up, pay all 3 off and start all over again a million times better off. Can't see any other way out of this without going BRupt.

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Hi Gram

 

I only asked, as i am with another sub-prime **** as first charge, who are hopefully about to go arrrse over t!t.. anyhow...

concentrate on welcome at the moment...were all here to help!!...when you have them under control..i would suggest you look at picture loans..and deal with them too...but that you can do at your leisure...as they are also sub-prime ..that account will be riddled flaws, must say im no expert on picture but you will find some over on that thread.

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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Oh thats interesting. My loan with Picture is much larger than the Welcome one so i would be keen to get started on them too - Do they have their own thread just like welcome do? I had a look on the Secured loan/mortgage section but could only see a couple of short posts on Picture but nothing much. any ideas?

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it might be worth start in your own in the mort & secured loan thread, and see how it goes...then post a link over here and i will have a look!!

take a look at this link...interesting

http://www.fscs.org.uk/Download.ashx?id=11570

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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Thanks Brassed off - I have started my own Picture thread too - here's the link

 

http://www.consumeractiongroup.co.uk/forum/mortgages-secured-loans/240145-picture-loans-anyone-help.html

 

The default link you posted, is that just concerning ppi mis selling? as i opted not to take ppi so i dont have it on my loan. I do believe that they shouldn't have loaned to me at all as it effectively made me 125% LTV or worse - would that be grounds to claim?

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going over to your thread now...

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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Gram

 

I Have Enough

 

Ime Going To Do A Letter For You

 

Check Back Tonight And Decide How You Want To Play This

 

 

Hows the investigations going Post?

 

Any thoughts on how or if i can go about trying to sell up and pay reduced sums to Welcome (and Picture) so that the house sale covers all oustanding debt on it or is this just wishful thinking?

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Lets Get Started Then

 

Has Welcome Sent You A Copy Of Your Agreement Yet Under A Cca Request

 

HOW OLD IS THE AGREEMENT

 

No, havent sent this off yet. The agreement i posted earlier was the copy they sent me at the time of taking the loan out.

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125% Loan To Value? At best irresponsible, at worst unfair. Perhaps the slender tendrils of an unfair relationship but for now you have more than enough to go on.

 

Just off to get some popcorn and a nice cold diet pepsi.

 

Looking forward to watching Post at work in the coming entries :D

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125% Loan To Value? At best irresponsible, at worst unfair. Perhaps the slender tendrils of an unfair relationship but for now you have more than enough to go on.

 

Just off to get some popcorn and a nice cold diet pepsi.

 

Looking forward to watching Post at work in the coming entries :D

 

Well house was valued at about 120,000

 

Mortgage balance was approx 95,000

Picture then lent us 55,000 (which paid off a previous secured loan)

Welcome then lent us a further 10,000

 

so that would be £160,000 owed on a house valued at approx 120,000. Not good eh?:-|

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right then

 

this has been done before but only through court action

 

ime trying to explain this in the best way. you have to understand that the whole welcome network is there to screw you, from start to finish.

 

even on insurance policy , they suply the vastly inflated insurance then screw you on commission for screwing you

 

give me five and ill post up the first document you need

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Engineering debt which technically you could never re-pay without a bit of help from seven lucky balls in a transparent container!

 

This is a sign of the past irresponsible lending practices that helped to cause the current economy. Not sure how you'd introduce this element to your argument but it would certainly reduce credibility of the lender in a more formal environment. As they were supposed to be a professional outfit it'd hard for them to maintain this lending was anything other than reckless.

 

Given the fact they probably made large commissions on such deals (which should be obvious on paperwork resulting from a SAR) you could reasonably argue it was lent not in your best interests but in theirs. Just another little point to add to your weaponry.

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Given the fact they probably made large commissions on such deals (which should be obvious on paperwork resulting from a Subject Access Request)

 

not a chance on sar

they just spout corporate sensativity

 

you need this for them to comply

 

most important sent recorded delivery

 

 

 

xxxx

Xxx

Xx

Welcome financial services

Compliance

Ruddington fields business park

Ruddington

Nottinghan

Ng11 6nz

 

1/01/2010

 

 

Account number

 

I write with regards to the above account with your organisation.

 

I respectfully request that you provide me by return a copy of the credit agreement which bears my signature. I require this as i have reason to believe that there may be discrepancies within the agreement which may leave it improperly executed. Additionally I require the underwriting sheet and any reference to welcome elite brokers. These documents to show any commission paid to you by the broker or by you to a broker.

 

obviously if the agreement is improperly executed i would be entitled to ask the court to consider the agreement and make a declaration of the rights of parties to the agreement.

 

I must stress this request is NOT made pursuant to section 78 Consumer Credit Act 1974 but is made pursuant to the Civil Procedure ( Pre action protocols and Part 31.16) and therefore unsigned copy will not suffice, only a copy of the original contract in its unaltered form will suffice in these circumstances

 

Please confirm if you still hold a copy of my signed agreement and that you will provide me with this document.

 

I do not view this as an unreasonable request given that by supplying the document which i have asked for it will allow me to assess if my case has merit and will help to resolve matters possibly without the need to involve the court and will undoubtedly save costs on both sides

 

I look forward to your reply and would ask for a response by 4pm on 21/01/2010

 

 

Regards

 

xxxxxxxx

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Terrific, thank you very much. Will send this off asap.

 

I take it they will either ignore it or send a standard rubbish response back?

 

 

Also, have you seen anything in the agreement i posted that you think is

questionable? Would we address this after their response?

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ive spotted many things in the agreement

 

we have to take it one step at a time

 

lets see to begin with if they have an agreement

 

that welcome elite brokers will scare the hell out of them

 

they cant say sod off we dont have that, not me gov

 

i have proof they do

 

they cant ignore that request or spin a yarn

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ive spotted many things in the agreement

 

we have to take it one step at a time

 

lets see to begin with if they have an agreement

 

that welcome elite brokers will scare the hell out of them

 

they cant say sod off we dont have that, not me gov

 

i have proof they do

 

they cant ignore that request or spin a yarn

 

Excellent, thank you so much. Will get that sent off asap and will let you know what response i get!

 

In the meantime i am expecting a call any day regarding the December direct debit payment that bounced. Any suggestions as to what i should say?

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they will say they will hang draw and quarter you if you dont pay, baliffs

blah, blah,blah

 

just tell them to send every thing in writing

tell them you have sent a letter to compliance

 

any hastle, get back to me

 

you can allways refuse to go through security, every thing in writing

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