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    • The important thing to know is that MET - although they will send you threat after threat about how they will divert a drone from Ukraine and make it fall on your home - hardly ever do court. Even in the very small number of cases where they send court papers, if the Cagger defends, they drop the matter before the hearing.  They have no real intention of putting their rubbish claim before a judge.  The aim is to find motorists who are terrified of the idea of going to court and who will give in when the court papers arrive. Thanks for doing the sticky and well done on finding F18's thread.  Do what they did.  On the first page - I think post 19 - there is the address of the CEO of BP.  Write to them, lay it on thick about being genuine customers in the various premises, mention the small kids, the very short stay time, attach any proof of purchase - and request that they get the invoice cancelled.
    • Thank you for that, I have obviously already been convicted so I think the appeal lodged is for the previous offence? Sorry if that doesn’t make sense. I suppose my only concern is that weds I go there and they don’t let a stat dec happen. If they do then as you say and solicitor says it’s highly likely I’ll be happy with the outcome. But I’m being told there’s no guarantee for the stat dec to be hard Weds as that’s not what the hearing is proposed for. Solicitor has stated that you can put a stat dec before a magistrates at any time so it shouldn’t be a problem.   
    • I re-read the extract from your  solicitor's letter this morning and think I might understand what they have in mind. I believe (and it’s only a guess) their strategy is this: 1.    You will make your SD 2.    You will enter fresh pleas to the four charges (not guilty) but will offer to plead guilty to speeding on the understanding that the FtP charges are dropped. 3.    If this is accepted they will attempt to argue that the two offences were committed “on the same occasion” 4.    You will be sentenced for those two offences (the sentence depending on whether the “same occasion” argument succeeds). They also have a plan in the event that your offer at (2) is unsuccessful and you are convicted again of the 2xFtP charges (and so face disqualification under “totting up”): 5.    They will make an “exceptional hardship” argument to avoid a ban. 6.    If that is unsuccessful they have already lodged an appeal in the Crown Court against that decision. (This is the only “appeal” I can think of). 7.    They plan to ask the court to suspend your ban pending that appeal. If I’m correct, I’m surprised the Crown Court has agreed to accept a speculative appeal (against something that hasn’t happened). The solicitor says this is to lodge it within the normal timescales. But you will have 21 days from the date of your conviction (which will be next Wednesday) to lodge an appeal with the Crown Court, so there is no need for a speculative appeal. I have to say that an application to have your ban suspended pending an appeal is unlikely to succeed. The Magistrates Court is unlikely to agree to it for one very good reason: if they make such an order (suspending your ban until your appeal is heard), all you need to do is not to pursue the appeal and the Magistrates order suspending your ban will remain in place. Hey Presto! No ban and no need for you to trouble with an appeal. Perhaps he will ask for your ban to be suspended for (say) three months or until your appeal is heard (whichever occurs first). This potentially creates a problem because if your appeal is not heard in that time either your ban will kick in or you will have o go back to court to get the suspension extended. But the solicitor obviously knows more about these things than I do. I would want to be very clear about this solicitor’s fees and what he proposes to charge you for. As I said, there is absolutely no need to lodge an appeal with the Crown Court. That can be done if and when it becomes required. But I am still firmly of the opinion that it is overwhelmingly likely that you will not need to progress beyond point 2 above. Point 3 is optional and I don’t know whether he solicitor has made It clear to you that the only thing you will avoid in the event of success is three penalty points. You will still be fined for the second offence and your driving record will still be endorsed with the details, but no penalty points will be imposed. Do let us know how it goes.  
    • I'm really trying, but worst case I can't find what are my options?
    • John Lewis' Privacy Notice states that their CCTV Systems does not use facial recognition or collect biometric data - so I assume it should be fine?    Thank you a lot for your reply. I've scheduled my first therapy session ne t week. Really the time to turn my life around..
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Welcome moved the goalposts


slimblondeuk
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PLEASE SOMEONE ANSWER....HELLLLP! Its been about a week since monkey came and went, my question is, will they obtain a court order and what happens if they do, do i go "tadaaa" with my agreement or what. Will they been even be bothered to get a court order, I'm scared i haven't heard anything from them for a couple of weeks, i feel like their hiding round the corner ready to go "BOO"!, me nerves cant take it. Anybody know anything about these court order things, and if it means not having postggji writing me a letter too that would be great because i know he's busy. xxxx

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Hi, don't panic, we're still with you! :)

 

Couple of questions first of all:

 

Did you get the names/numbers of the police who attended? (Just in case the monkey tries coming back again without a court order)

 

Have you paid over a third of the agreement? (sorry if you've already answered this one).

 

I'll be honest and say that Ive no idea about what's involved for Welcome getting a court order. Hopefully somebody with a bit of knowledge on that side will be able to put us in the picture.

 

Having said that, you seem to have a dodgy agreement and they are trying to terminate on a "toilet roll" DN, so Im sure that's good news.

 

Looking back through your thread I see you are waiting for the letter from Postggj to put your account in dispute. Unfortunately he doesn't seem to have, errm "Posted" for a while (pardon the pun), so he might be struggling to log on or something.

 

In the meantime, I think it's important to get an official letter sent to compliance in Nottingham to get the ball rolling in the unlikely event someone else comes knocking at your door. Here's a few threads with examples of one's Postggj has done in the past, which will give you a start point:

 

http://www.consumeractiongroup.co.uk/forum/welcome-finance/230291-welscum-5.html

 

http://www.consumeractiongroup.co.uk/forum/welcome-finance/235619-welcome-need-help-3.html

 

http://www.consumeractiongroup.co.uk/forum/welcome-finance/231525-help-welcome-finance-2.html

 

 

I don't think you need to put too much for now, just keep it straight-forward and simple, but make it clear that you are putting the account into official dispute. Also, I wouldn't mention the dodgy DN for now...keep that one up your sleeve until one of the more knowledgable ones can advise further.

 

When you've got your rough draft post it up for people to check before sending.

 

 

Anyone else got any further advice?

 

Good luck :)

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hi djwigster, thank you for answering my cry! I did get the names of the police,and no I have not paid a third of the agreement, thats what i'm worried about. The letter you put up were helpful but i really don't have te foggiest where to start shall i just copy postggi post about the figures, i dont have a clue sorry.

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Hi Slim just bumping for you I noticed that it was around 10days between your termination letter and attempted repo so watch for my story soon :lol: lets hope I get a nice officer of the law :D Seeing a solicitor monday morn so hopefully will get abit of help from there ill be sure to post everything I find out on my thread :)

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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Still cant sleep, worrying myself stupid about this, shall i just write in the letter: i'm putting the account into dispute heres my agreement number? Sorry to ask again, but just a bit scared, husband moved out yesterday so i'm going to have to handle this by myself, and my 12 year old keeps looking out of the window to see if the 'baliff' is coming back. I just want to cry. :(

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Good luck beyondhope! :D Wonderin if I should consult a solicitor, costly business though.

 

 

Thanks Slim Im only going for a free 20min consultation as an initial look through see what stage Im at and what I can do next sort of thing. Apparently they take legal aid cases but on reading legal aid website you cant use through small claims so im not sure. Theres no way im in a position to see this through with a solicitor without legal aid though.

 

Still cant sleep, worrying myself stupid about this, shall i just write in the letter: i'm putting the account into dispute heres my agreement number? Sorry to ask again, but just a bit scared, husband moved out yesterday so i'm going to have to handle this by myself, and my 12 year old keeps looking out of the window to see if the 'baliff' is coming back. I just want to cry. :Cry:

 

Try not to get too stressed by it all :( Im sorry to hear about your husband and dont worry about your 12 year old kids are very resilient creatures. I dont know what to suggest other than having a ring round for a free consultation with a solicitor alot do offer the initial chat free and theres no obligation to stay with them

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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HELP! heres my letter, if someone could peruse it i would be very grateful then i can get it sent off. Thanks in advance.

 

 

 

Welcome Financial Services

Compliance

Ruddington Fields Business Park

Ruddington

Nottingham

NG11 6N3

 

Date

 

Agreement Number

 

Dear Sirs

 

After going over my agreement to modify my hire purchase agreement, I feel it necessary to ask some questions as to the validity of said agreement. I wil try and simplify things to expedite this matter.

 

 

The option fee has been classed as a charge for credit :£1.00 (u)

 

Charge credit for goods: S+T+U = £2,974.98 (v)

 

It has then been carried over to Total Charge for Credit: V+W = £3,203.78 (x)

 

This option fee needs to be added either on the first or last payment of the agreement. As it has been included in the total charge for credit, I therefore question the validity of said agreement. Explanations of this matter would be welcomed forthwith.

 

Regards

 

 

 

How does that sound people, some feedback would be great. ;)

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Sounds ok to me although id probably put a timescale such as 14 days rather than forthwith :)

 

is the account in dispute already?

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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Have you done a CCA and SAR? if not do those as well

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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two ticks ill post them for you now

 

the cca request needs a £1 postal order

the sar needs £10 postal order

both need sending recorded (in same envelope if you like) to compliance in nottingham

 

cca they have to respond within 14days

sar they have to respond within 40 days

 

NEVER sign any letters to them

 

ill be back in a tick with letters for you :)

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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Subject access requestlink8.gif (dont forget the £10!!)

 

RE: ACCOUNT NUMBER: xxxxxxx

 

Data Protection Act 1998

 

Subject access requestlink8.gif

 

Please supply me with all data that you hold on me. This includes in particular, but is not limited to, the following:-

 

1. The original signed, executed credit agreement/s and any terms and conditions that applied to the account/s at the time of default and at the time the account/s was/were opened.

 

2. Where there has been any event in my account history over this period which has required manual intervention by any person, I require disclosure of any indication or notes which have either caused or resulted in that manual intervention

 

3. True copies of any notice of assignment and default notices or enforcement notice that you/or name of the original creditor sent me, with a copy of any proof of postage that you hold.

 

4. Documents relating to any insurance added to the account/s, including the insurance contract and terms and conditions, date/s they were/ it was added and deleted. (if applicable).

 

5. Details of any collection charges added to the account/s; specifically, the date they were/it was levied, the amount of the charge, a detailed financial breakdown of how the charge was/charges were calculated, and what the charge covers/charges cover.

 

6. Specific details of the fees/charges levied by any other agency in respect of this account/these accounts and a detailed breakdown of said fees/charges and what each charge relates to and on what date said fees/charges were levied.

 

7. A genuine copy of any notice of fair use of my data as required by the Data Protection Act 1998

 

8. A list of third party agencies to whom you have disclosed my personal datalink8.gif and a summary of the nature of the information you have disclosed.

 

9. Copies of statements for the entire duration of the credit agreement/s.

 

10.Termination notices

 

PLEASE NOTE that unless otherwise stated by yourselves and if the above documents are NOT provided, it will be CONFIRMED that you are unable to reproduce/provide in any way shape or form any copies of the above requested documents. You are reminded that you have a duty to inform me if you do not have the above documents. This is confirmed in High Court Law - Ezsias v Welsh Ministers - [2007] All ER (D) 65 (Dec)

 

You are reminded that you are obliged to supply all the above documents in line with the Information Commissioners Technical Guidance update (Dated August 2007)

 

I enclose the statutory maximum fee of £10. You have 40 days in which to comply.

If there is specific information which you require in order to satisfy yourself as to my identity, please let me know by return. However, please note that the above address is the one which you normally use to communicate my private business to me and which you have hitherto found to be acceptable.

 

Yours faithfully,

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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Re: Account Number: xxxxxxxxxxxx

 

This letter is a formal request pursuant to s.77(1) - s79 of the Consumer Credit Act 1974. I require you to provide me with a true copy of the credit agreements relating to the above accounts, together with any other documentation the Act requires you to provide.

 

I expect you to comply fully and properly with this request, within the statutory time limit. You are reminded that should you fail to comply with my request, the provisions of s.77(6) will apply.

 

Your attention is drawn to ss.5(2), 3(b),6 and 7 of the Consumer Protection from Unfair Trading Regulations 2008 (CPUTR).

 

I enclose a postal order in the sum of £1.00, which is the statutory fee. Note that these funds are not to be used for any other purpose.

 

If you are unable to comply fully and properly with this request, you should confirm this in writing at the earliest opportunity, and certainly within the statutory time limit for compliance, and return the fee.

We look forward to hearing from you.

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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  • 2 weeks later...

Dont ya just hate it when they go all quiet on you :lol: Be patient im sure you will receive something soon :)

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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