Jump to content


  • Tweets

  • Posts

    • A local business has been parking on an off-street parking space in front of my garages (in a side street).  I wasn't using them for a while so didnt bother to do anything.  But now a second local business is also using the osp - taking it in turns with the 1st biz.  This has started to nark me.    The employees choose to drive to work.  There is no private parking in their business's street.  But there are some underground secure garages in their street - which cost apx £2.4k/y to rent - which works out apx £6.60/d. (I believe one of the biz owners already rent one for storage purposes).  If the employee had to park on a meter it would cost them £6.60/h - £66 for 10h and have to move every 4h.  They just don't want to pay for parking. I haven't confronted either of them.  Instead I just put 2 clear "no parking" signs in front of the garages. And a note on one of the cars specifically saying that as they don't live or rent in the street and it's private land could they stop parking.   They ignored that.  And just put notes on their dash with a # to call if one needs the car moved.  Theres a sign and they've been told in writing to stop parking. And they are just ignoring it.    I don't what a confrontation.   I don't want to go to the expense of bollards (other than maybe traffic plastic ones - but they'll probs just move them).  Council won't do zilch cos it's private land. And police won't get involved - unless I clamp/ tow the cars and then they'd be after me, not the drivers!   What's the best thing to do?
    • yes might be the best idea. you'd only at best get 8% flat interest and that unusual on a GOGW if this was what it was. simply contact the FOS and let them know its resolved. dx  
    • If you’ve ever wondered how you might fare in armed combat, the first 20 minutes of Steven Spielberg’s Saving Private Ryan is likely to make you thank your lucky stars you were born too late to storm the Normandy beaches on June 6 1944. I suspect many of us might be driven to identify with those men who were absolutely turned to stone by fear. And yet these young men, mainly conscripts, screwed their courage to the sticking point and did the job the fate had chosen for them, heroes all.   .. UK PM Sunak perhaps thinks he understands mind numbing fear better than many as he dishonorably fled the beachhead to do nothing more than double down on dishonest spin and lies from the safety of a UK studio .. The Normandy heroes who not only held their positions, but advanced through hell to a victory that changed the entire course of history .. undoubtedly hold a different perspective.     from a perspective in TheConversation     .. 'That was the slot that sunaks team offered for the interview
    • Yes, send a message to the purchaser but keep it very friendly and simply that you noticed that the package has now been delivered.  I suggest that you ask them if they want to keep the package still or if they would rather return it and that if they want to keep it then please will they return your payment to you to your PayPal address. Keep it as polite and friendly as possible and then we will decide what to do if he doesn't reply or refuses.  Meanwhile I will have a look at Google earth and see if you are able to spot the gas meter outside the house to get an idea if the delivery is real. Get a screenshot
    • Santander have sent their final response and have agreed that they were in the wrong. They will be refunding me the amount I am due and £50 for the delay.  Just the interest factor would be more than double the £50 that they are offering. Thinking to just close this and move on. Is this what you would do?  Opened a FOS case on the 1st of June but haven't heard back yet. 
  • Recommended Topics

  • Our picks

    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
        • Thanks
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 161 replies
    • We have finally managed to obtain the transcript of this case.

      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.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
        • Like
  • Recommended Topics

Welcome moved the goalposts


slimblondeuk
style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 5222 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

Hi wondered if you could help, I got a car from welcome in March this year, in July this year I lost my job and could not afford to pay them the full amount of 227.12, after a few months of struggling to pay I rang them, they couldn't have been nicer and said I could just pay what I could afford. Sometimes I paid £20 a month sometimes up to £50 a month, always a 'field' visit, and also by somebody different everytime as people kept leaving the company. I last spoke to my 'current' account manager in december when I paid by debit card as I had for the last 3 months, she said she would speak to me in January to get another payment from me, she also gently reminded me that I was in arrears, and I said that i understood but i didnt have a job yet and hopefully things would get back to normal. I never had any letters or anything. Then on Monday 4th Jan 2010 I got a 'Without Prejudice' default notice saying that if i didnt pay 900 odd quid in the next 14 days they would take th car from me. I rang and spoke to the 'branch manager' and said how could they all of a sudden move the goalposts, I hadn't defaulted as I had a payment plan which they had agreed to, he just kept reverting back to the original agreement. I couldn't reason with him, he contradicted himself and didnt know what he was talking about. What can I do? I have 3 kids, and an opportunity of a job that requires a car. PLEASE HELP!

Link to post
Share on other sites

  • Replies 96
  • Created
  • Last Reply

Top Posters In This Topic

Top Posters In This Topic

Posted Images

Hello and Welcome, slimblondeuk.

 

I'll move your thread to the Welcome Finance Forum.

 

Regards.

 

Scott.

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

Link to post
Share on other sites

Hi Slim do you have a copy of your agreement? If you do scan it in and use photobucket to post a link to her here lets have a look at the agreement make sure you delete all personal information but leave the figures in there :)

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:

Link to post
Share on other sites

hi thank you to everybody that replied to my post, just knowing i have people trying to help me makes me feel a lot better. I shall photobucket my agreement, also in response to ozzywizard, it doesn't give a numerical date just says, and i quote: 'fourteen (14) days'.

Link to post
Share on other sites

Hello slimblondeuk. Do not worry yourself about that Default Notice. Is it the first you`ve had the pleasure of receiving?

 

There being no numerical date is important. That alone makes it toilet paper.;)

 

Why would they send a DN that they do not intend/ are unable to use in a court of Law? With Out Prejudice means just that. :D

 

Cheers, MARK

Link to post
Share on other sites

Hi Slimblonde,

 

What I have done.....and it seems to work (more by trial and error LOL) is go back to your album page and then copy and paste the link bar from the top into your thread.

 

Hope this makes sense.....I'm a bit computer illiterate.

 

Dawn

xxxx

Link to post
Share on other sites

Seems Ive Totalled Another Agreement Today

Option Fee

Whats That

Normally Its An Option To Purchase The Car But Its Normally About Fifty Quid

 

Now Ime Going To Give You The Good News

 

You Are Paying Interest On It

Thats A No No As Its A Charge For Credit

 

That £1 Has Just Made The AgreemenT Crap

Link to post
Share on other sites

The Option Fee Is An Option To Purchase

 

Thats A Final Payment That Goes With Your Last Instalment.

But It Has Been Included In The Charge For Credit, Being Its Having Interest Charged Against It.

This Option Fee Is A Charge For Credit So No Interest Is Allowed To Be Charged Against It.

 

Thats A No No

 

A Quid Does Not Sound Much But Its A Healthy Sum For Welcome Over The Term Of The Loan At There Apr

 

Well Done

Link to post
Share on other sites

just a thought, the option fee may be included on the agreement, but the amount actually credit to the account at the start maybe different by the £1.

 

Check the amount at start on a statement and see if there is a difference to the agreement. This is what happened on mine. not sure if this makes a difference or not!

Link to post
Share on other sites

I see the total amount payable is quoted as £11,152.78, whereas the 48 payments x £227.12 = £10901.76...looks like they have added the deposit in to the t.a.p as well, like on the agreement on MICHFERGIEs thread:

 

http://www.consumeractiongroup.co.uk/forum/welcome-finance/230291-welscum-3.html

 

Also, its strange they havent stitched you up with an Acceptance Fee...they usually do :confused:

 

...shame for them about the Option Fee though :D

Edited by djwigster
typo
Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...