Jump to content

 

BankFodder BankFodder


wannabedebtfreesoon

elcome for illegal repo in contravention of section 92 and unfair relationship ** WON **

style="text-align:center;"> Please note that this topic has not had any new posts for the last 2864 days.

If you are trying to post a different story then you should start your own new thread. Posting on this thread is likely to mean that you won't get the help and advice that you need.

If you are trying to post information which is relevant to the story in this thread then please flag it up to the site team and they will allow you to post.

Thank you

Recommended Posts

print off your credit file to show how much you have paid before welcome get wind of this

What can they do anyway? They've already taken my car, they can't say they haven't!


“First they ignore you, then they laugh at you, then they fight you, then you win.” - Ghandi

"You must have the resources to deal with the judicial intervention - the confidence not to be overawed, the resilience to respond, the tenacity to challenge, the tact to mollify, the authority to inform and persuade."

 

Strength does not come from winning. Your struggles develop your strengths. When you go through hardships and decide not to surrender, that is strength.

 

<-- If I have helped in any way please click my star!! ;)

Oh and I am a lady!! :)

 

Share this post


Link to post
Share on other sites

Is it possible my drive doesn't count as my property??


“First they ignore you, then they laugh at you, then they fight you, then you win.” - Ghandi

"You must have the resources to deal with the judicial intervention - the confidence not to be overawed, the resilience to respond, the tenacity to challenge, the tact to mollify, the authority to inform and persuade."

 

Strength does not come from winning. Your struggles develop your strengths. When you go through hardships and decide not to surrender, that is strength.

 

<-- If I have helped in any way please click my star!! ;)

Oh and I am a lady!! :)

 

Share this post


Link to post
Share on other sites

dont panic

 

do you have statements from welcome,

Share this post


Link to post
Share on other sites

Yes I have one statement from the start of the modified agreement. They refused to give me anything before that.


“First they ignore you, then they laugh at you, then they fight you, then you win.” - Ghandi

"You must have the resources to deal with the judicial intervention - the confidence not to be overawed, the resilience to respond, the tenacity to challenge, the tact to mollify, the authority to inform and persuade."

 

Strength does not come from winning. Your struggles develop your strengths. When you go through hardships and decide not to surrender, that is strength.

 

<-- If I have helped in any way please click my star!! ;)

Oh and I am a lady!! :)

 

Share this post


Link to post
Share on other sites

when did you sign the modified agreement

Share this post


Link to post
Share on other sites

May 2007, I've been through it and it seems I'm £190 short of the third figure


“First they ignore you, then they laugh at you, then they fight you, then you win.” - Ghandi

"You must have the resources to deal with the judicial intervention - the confidence not to be overawed, the resilience to respond, the tenacity to challenge, the tact to mollify, the authority to inform and persuade."

 

Strength does not come from winning. Your struggles develop your strengths. When you go through hardships and decide not to surrender, that is strength.

 

<-- If I have helped in any way please click my star!! ;)

Oh and I am a lady!! :)

 

Share this post


Link to post
Share on other sites

and they refuse to give you previouse details

 

do it state at the top of the agreement

 

agreement to modify

Share this post


Link to post
Share on other sites

I did a sar they sent me lots of things except any statements relating to the original agreement. It says agreement modifying a hp agreement, but there's no evidence of how they came up with the figures tho.

 

Plenty about commission though.


“First they ignore you, then they laugh at you, then they fight you, then you win.” - Ghandi

"You must have the resources to deal with the judicial intervention - the confidence not to be overawed, the resilience to respond, the tenacity to challenge, the tact to mollify, the authority to inform and persuade."

 

Strength does not come from winning. Your struggles develop your strengths. When you go through hardships and decide not to surrender, that is strength.

 

<-- If I have helped in any way please click my star!! ;)

Oh and I am a lady!! :)

 

Share this post


Link to post
Share on other sites

welcome elite by chance

 

do you have your previouse agreement as well as the current

 

post a link please

Share this post


Link to post
Share on other sites

“First they ignore you, then they laugh at you, then they fight you, then you win.” - Ghandi

"You must have the resources to deal with the judicial intervention - the confidence not to be overawed, the resilience to respond, the tenacity to challenge, the tact to mollify, the authority to inform and persuade."

 

Strength does not come from winning. Your struggles develop your strengths. When you go through hardships and decide not to surrender, that is strength.

 

<-- If I have helped in any way please click my star!! ;)

Oh and I am a lady!! :)

 

Share this post


Link to post
Share on other sites

just checking

 

i have so many welcome threads on the go

 

so you received no default/termination or repo notice prior to this

 

confirm

Share this post


Link to post
Share on other sites

I definitely didn't receive a DN and there isn't one registered on my credit file, although welcome say one was issued on the 16th July 2009.

 

The only thing I have from them is a without prejudice letter saying they are terminating.

http://i605.photobucket.com/albums/tt133/suritaw/withoutprejudice.jpg


“First they ignore you, then they laugh at you, then they fight you, then you win.” - Ghandi

"You must have the resources to deal with the judicial intervention - the confidence not to be overawed, the resilience to respond, the tenacity to challenge, the tact to mollify, the authority to inform and persuade."

 

Strength does not come from winning. Your struggles develop your strengths. When you go through hardships and decide not to surrender, that is strength.

 

<-- If I have helped in any way please click my star!! ;)

Oh and I am a lady!! :)

 

Share this post


Link to post
Share on other sites

The thing is why would they deny coming onto your property unless they knew they weren't supposed to??!

That is a very sensible idea, I am so appalled at yesterdays events I want every party to be held accountable for their actions. It's not fair that people can get away with flounting the law when it suits them and the consumer has to just take it.


“First they ignore you, then they laugh at you, then they fight you, then you win.” - Ghandi

"You must have the resources to deal with the judicial intervention - the confidence not to be overawed, the resilience to respond, the tenacity to challenge, the tact to mollify, the authority to inform and persuade."

 

Strength does not come from winning. Your struggles develop your strengths. When you go through hardships and decide not to surrender, that is strength.

 

<-- If I have helped in any way please click my star!! ;)

Oh and I am a lady!! :)

 

Share this post


Link to post
Share on other sites

lets run down the figures shall we on the modified agreement

 

amount of credit (loan) £4625.81

now the interest on that at 8.9 % would be £1304.67

so the total amount payable will be £5930.48

devide by 72 m0nthly payments gives £82.36

 

 

WELCOME HAVE YOU DOWN FOR 72 PAYMENTS AT £95.08 WHICH GIVES A TOTAL REPAYABKE OF £6845.76

 

WELCOME HAVE SHAFTED YOU BY £915.28

 

 

GAME OVER

OVER

OVER:grin::grin::grin::grin::grin::grin:

 

LETS START THE ILLEGAL REPO MOVING NOW SHALL WE

Share this post


Link to post
Share on other sites
I definitely didn't receive a DN and there isn't one registered on my credit file, although welcome say one was issued on the 16th July 2009.

 

The only thing I have from them is a without prejudice letter saying they are terminating.

http://i605.photobucket.com/albums/tt133/suritaw/withoutprejudice.jpg

 

how can an agreement be terminated without prejudice:eek:

 

cab


Cab1ne-Lombard-Shoosmiths **Claim Recieved**

http://www.consumeractiongroup.co.uk/forum/showthread.php?181761-Cab1ne-Lombard-Shoosmiths-**Claim-Recieved**/page25

Summary Judgement 01/02/2011 **REFUSED** set for trial "May 23rd To June 30th 2011"

DISCONTINUED 3rd MAY 2011 **WON**

 

santander" Responsible Lending!!!!!!!

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?219431-quot-santander-quot-Responsible-Lending!!!!!!!

 

Capquest "V" Cab1ne

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?262962-Capquest-quot-V-quot-Cab1ne

 

"STAYED"

 

CAB "Sittin Tight"

Share this post


Link to post
Share on other sites

Well Hold The Fort For A Mo

 

I See Acceptance Fee

 

Why On A Modified Agreements

 

Recalculating Figures

 

Give Me 10 Min

Share this post


Link to post
Share on other sites
lets run down the figures shall we on the modified agreement

 

amount of credit (loan) £4625.81

now the interest on that at 8.9 % would be £1304.67

so the total amount payable will be £5930.48

devide by 72 m0nthly payments gives £82.36

 

 

WELCOME HAVE YOU DOWN FOR 72 PAYMENTS AT £95.08 WHICH GIVES A TOTAL REPAYABKE OF £6845.76

 

WELCOME HAVE SHAFTED YOU BY £915.28

 

 

GAME OVER

OVER

OVER:grin::grin::grin::grin::grin::grin:

 

LETS START THE ILLEGAL REPO MOVING NOW SHALL WE

 

Yes please! Let's do that! Oh and it says 73 months on my credit file


“First they ignore you, then they laugh at you, then they fight you, then you win.” - Ghandi

"You must have the resources to deal with the judicial intervention - the confidence not to be overawed, the resilience to respond, the tenacity to challenge, the tact to mollify, the authority to inform and persuade."

 

Strength does not come from winning. Your struggles develop your strengths. When you go through hardships and decide not to surrender, that is strength.

 

<-- If I have helped in any way please click my star!! ;)

Oh and I am a lady!! :)

 

Share this post


Link to post
Share on other sites
how can an agreement be terminated without prejudice:eek:

 

cab

 

 

THAT TERMINATION NOTICE IS IRRELEVENT AND CANT BE USED IN COURT

SHOT IN FOOT ME THINKS

Share this post


Link to post
Share on other sites

I'm happy to accept the termination if it's on the back of a dodgy or non existent DN


“First they ignore you, then they laugh at you, then they fight you, then you win.” - Ghandi

"You must have the resources to deal with the judicial intervention - the confidence not to be overawed, the resilience to respond, the tenacity to challenge, the tact to mollify, the authority to inform and persuade."

 

Strength does not come from winning. Your struggles develop your strengths. When you go through hardships and decide not to surrender, that is strength.

 

<-- If I have helped in any way please click my star!! ;)

Oh and I am a lady!! :)

 

Share this post


Link to post
Share on other sites

hmmm... and don't forget the interest added on the acceptance fee


“First they ignore you, then they laugh at you, then they fight you, then you win.” - Ghandi

"You must have the resources to deal with the judicial intervention - the confidence not to be overawed, the resilience to respond, the tenacity to challenge, the tact to mollify, the authority to inform and persuade."

 

Strength does not come from winning. Your struggles develop your strengths. When you go through hardships and decide not to surrender, that is strength.

 

<-- If I have helped in any way please click my star!! ;)

Oh and I am a lady!! :)

 

Share this post


Link to post
Share on other sites

So The Amount Of Credit Will Be £4625.81 Plus Acceptance Fee Of £195

Total £4820.81

 

Now The Interest Over 72 Months At 8.9 % Gives £1359.66 Add £4820.21 Gives A

 

Total Amount Of Credit (lacking On The Agreement) £6179.87

Now Devide That By 72 Gives A Monthly Figure Of £85.83

 

Not £95.08 On The Agreement

 

The Welcome Total Amount Payable Works Out As £6845.76

 

Welcome Have Shafted You By £665.87

Share this post


Link to post
Share on other sites

It's hardly surprising with these cretins! They shafted me anyway because I went to them to say I could no longer work because my partner had become disabled and I had to care for him, so they thought it would be a good idea to put me further in debt.

 

Question is where do I go from here?

I have to pop out to collect my children from school, I'll be back in half hour.

Thank you so much for your help, I really hope something can be done to resolve this sorry mess.


“First they ignore you, then they laugh at you, then they fight you, then you win.” - Ghandi

"You must have the resources to deal with the judicial intervention - the confidence not to be overawed, the resilience to respond, the tenacity to challenge, the tact to mollify, the authority to inform and persuade."

 

Strength does not come from winning. Your struggles develop your strengths. When you go through hardships and decide not to surrender, that is strength.

 

<-- If I have helped in any way please click my star!! ;)

Oh and I am a lady!! :)

 

Share this post


Link to post
Share on other sites

Well Ime Doing A Letter For you As We Speak

Share this post


Link to post
Share on other sites
THAT TERMINATION NOTICE IS IRRELEVENT AND CANT BE USED IN COURT

SHOT IN FOOT ME THINKS

 

as i thought "oh dear" "oh dear" a big shot in a big foot

 

cab


Cab1ne-Lombard-Shoosmiths **Claim Recieved**

http://www.consumeractiongroup.co.uk/forum/showthread.php?181761-Cab1ne-Lombard-Shoosmiths-**Claim-Recieved**/page25

Summary Judgement 01/02/2011 **REFUSED** set for trial "May 23rd To June 30th 2011"

DISCONTINUED 3rd MAY 2011 **WON**

 

santander" Responsible Lending!!!!!!!

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?219431-quot-santander-quot-Responsible-Lending!!!!!!!

 

Capquest "V" Cab1ne

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?262962-Capquest-quot-V-quot-Cab1ne

 

"STAYED"

 

CAB "Sittin Tight"

Share this post


Link to post
Share on other sites
It's hardly surprising with these cretins! They shafted me anyway because I went to them to say I could no longer work because my partner had become disabled and I had to care for him, so they thought it would be a good idea to put me further in debt.

 

If you had PPI with this agreement and you have now become a 'carer' it might be worth checking your policy as some--but not all-- of these have becoming a carer as qualifying for the benefits of the policy in the same why as illness etc. does.

Share this post


Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    No registered users viewing this page.


  • Have we helped you ...?


×
×
  • Create New...