Stupid Welcome Customer

[ozzywizard]

Hi, your agreement is a legal one

 

Agreement itself being a manually written one although very unprofessional is not necessarily illegal

 

Also not neccessarily legal either so your first initial response could in fact be incorrect ?

 

On your own admission you are not sure on the legality of charging interest on the £235 fee . .

[ozzywizard]

Seconded.

[ozzywizard]

I have read all of MajorPlayers posts and also double read Marks post and to be honest Im about to give Mark a rep point for his post. Yes MajorPlayer may have the best intentions on his posts but he does need to change his attitude and try to look at the issues from the perspective of the consumer.

To make posts pointing us to be niave and usurp himself to be in a position of a greater intelegence than we are due to his background can come across as a little condecending which is the points Mark has raised.

Major players first post on this thread says "Hi, your agreement is a legal one" without even trying to help the OP. This coming from a time served welcome employee shows no remorse or eating of humble pie.

 

However Marks first sentence is "Glad to See You Are Still around Major Player" . .

 

Understand Marks humour and read the posts in their meant texts, Marks post is not insulting it is constructive advise to help Major and us move forward.

again this is my opinion and no offense should be taken by any of us for voicing our opinions.

 

We all work well as a team here and it is our power in numbers that allow us to make a differance to the companies and to each other.

[ozzywizard]

On that Note Gram we will agree to disagree on the personnel side of it, as we are all entitled to our opinion and everyones opinion should be respected. I guess it comes to individual personalities on what offends differant people from differant upbringings etc. Also not defending anyone but somtimes it is hard to judge somones intentions when reading text as in real life you use your social skills by listening to tone of voice and body language which is a luxury we do not have online.

[ozzywizard]

Colin a huge welcome to the foru and 1st thing to learn is that you are half way there by finding us on here lol. We are a happy lil family regardless of the above posts haha. . .

 

Ok back to your issues, if possible can you make your own thread so you may use it as a diary and we can keep a track of your progress. you can do this by clicking here

Edited January 24, 2010 by ozzywizard
terrible spelling lol

[ozzywizard]

MajorPlayer, your posts are respectfull and for that I say thanks for making an effort with us all to help, there is no denying that your knowledge would be more than usefull around here and I ask that you do stay and check on us when you have the time and if you can offer any advise please feel free too. I know it can be hard to be stereotyped as I was wehn I first joined this forum in 2006 and worked in the prepayment section of Powergen, also worked for British gas and now British telecom, so in the past have had consumers who have had issues with these companies be cautious of me. anyways moving forward tell us everything you know on the MIF. hahaha . . cheers.

[ozzywizard]

I spent 24 Years Fighting

 

Haha I once knew a guy from Plymouth and he said the same thing

[ozzywizard]

Major Player, to reiterate my previous question what is your knowledge on the validity of a charge of mortgage indemnity fee being on a secured loan below 25k ? do you have any information on the legality of this ?

 

If you want to discuss further with us please carry on the topic on this thread so Lawrence (whose thread this is) doesnt have heart attack on his return thinking all this is about him haha. . .

 

As you can see on this thread we had a welcome employee that was helpfull but run off when MIF was mentioned lolll.. . .

[ozzywizard]

Hey Mark I asked this in both post 63 and 68, Major posted since, im not saying anyone is avoiding the question but it really does seem that way haha.

[ozzywizard]

SSSSHHHHHHHHHHH my lips are sealed

[ozzywizard]

Lawrence lets check this contract.

 

Your loan is £20,411.10 over 168 months at 17.10% APR

thats a monthly repayment of £303.58

interest £30,590.54

total payable £51,001.64

 

you have no insurances.

 

Add £51,001.64 to the acceptance fee of 235 giving figure of £51,236.64

divide by 168 to give a monthly figure of 304.98 were welcome say 303.00 doesnt sound a lot but you will have shortfall at the end of 332.64 .

 

the contract is incorrect.

[ozzywizard]

This would be edited for Scotland.

 

Dear Sir or Madam,

 

Account Ref xxxx

 

Please be advised that I will only communicate with you in writing. I have noted your repeated attempts to contact me by telephone over the past few weeks/months and these have been duly logged by time and date.

 

Furthermore, should it be your intention to arrange a “doorstep call”, please be advised that under OFT rules, you can only visit me at my home if you make an appointment and I have no wish to make such an appointment with you.

 

 

There is only an implied license under Scots Common Law for people to be able to visit me on my property without express permission; the postman and people asking for directions etc. Therefore take note that I revoke license under Common Law for you, or your representatives, to visit me at my property and if you attempt to send such a collector to my home, you will also be reported for harassment and I shall seek damages for a delict of trespass. You would also be liable for conspiring in a delict of trespass by acting in defiance of my instructions and sending someone to visit me nevertheless. Should it be necessary, I will obtain an interdict from the Court to prevent you carrying out your threat.

 

Yours faithfully,

[ozzywizard]

Yeah and Liverpool change to scouse !!!! . . you were joking right lmaoo

[ozzywizard]

As long as your next questin is not asking what letters do gurlies send as the ones wrote are for men . . .loll

[ozzywizard]

She not sorry really cause she is laughing, hehe. . . I am though Lawrence (serious face)

[ozzywizard]

Lawrence, this is a standard letter ping pong with welcome. I have read the letter but cannot check all the details as I am at work. dont give up and let Post have a read of it before you do anything as i think he will love to reply to this. I will help in more detail as soon as I can.