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    • An update! I emailed both Andrzej.Tuleja and James_Goldsmith at Whirlpool dot com. I got a phone call from their executive team a couple of days later, and a replacement part dropped on the mat a week after. She was quite apologetic, however, also reiterated the "90 day warranty" period on customer fitted parts, and did not comment when I mentioned that the CRA also applies as I was a consumer buying from them directly. So I now have a spare door switch if the machine decides to eat another in the future! Cheers all!   Note dx100 that the "Hotpoint CEO" you linked to is not related to the hotpoint appliances, but some kind of marketing app.
    • yep, throw that morality card out the window....9/10 you never owe a DCA ANYTHING!! they are NOT BAILIFFS!!
    • (See the link to DVLA’s INF188/6 document I posted above, page 4 as cited) “I have a new medical condition that I have told the DVLA about on my recent application. Can I drive? As soon as the DVLA receives your correct and complete application for a new licence and as long as you meet all the Section 88 criteria, you may drive. It is important that you are satisfied that the medical condition you have declared on your application does not stop you from driving. If you are unsure, check with your doctor or healthcare professional before you make a decision. You can also look up your condition in the ‘Assessing fitness to drive’ guide, which you can find at www.gov.uk/dvla/fitnesstodrive to see whether you meet the medical standards for driving. As this guide is intended for healthcare professionals, it can be complicated. Your doctor or healthcare professional should be able to help you if necessary." It seems that DVLA think that S.88 does apply for applications disclosing a new medical condition after all. Why might this be so, and what of “qualifying application" and "relevant disability"? S. 92(1) imposes on the driver a requirement to disclose a relevant disability. S.92(3) requires the Secretary of State to refuse such an application disclosing a relevant disability ….. EXCEPT S.92(4) requires the Secretary of State to grant such an application if the relevant disability is “adequately controlled”. Hence my belief S.88 can apply for medical conditions (if the driver meets the medical standard of fitness to drive) as the application remains a qualifying application IF the driver meets the medical standard of fitness to drive, until DVLA (on behalf of the Secretary of State) say it doesn’t, provided the driver believes they meet the (medical) standard. Additionally, at (or before) June 2013 (as noted in my previous post) the medical standard for fitness to drive for conditions involving excessive daytime sleepiness was changed from “completely controlled” to "adequately controlled".  
    • CFO Bill Guan allegedly led a team at the news outlet that was behind a global money laundering scheme.View the full article
    • Anyway, I've asked my Booking.com flat-rent-out-bloke what needs to be done on the Booking.com portal to cancel a reservation. I got a late message "I'll let you know tomorrow".
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Welcome Finance Please help


Fairydust64
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Hi there,

Could someone please help me? I took a loan out with Welcome in 2006 for £1000. I now know I was miss sold PPI and have addressed this however I have paid £61 per month for the last 4 years. I wrote to them re the ppi and also asked for a full and complete statement of my account as I felt it should be paid by now.

This morning I received a letter headed "some facts you should be aware of!!"

 

It then goes on to tell me I owe £1843.60!!!!!!!!!!!!!!!!!

 

How can this be? It tells me Im in arrears (I did miss a couple of payments very early on)

After 4 years of payments how can I owe nearly twice what I borrowed.

The funny thing is they offer to let me pay £1219.69 now today and it will all be forgotton about (Yeah ok like I have that kind of money around doing nothing)

So no statements from them no mention of ppi just this load of b******S

 

Can anyone advise me please? I am very worried

 

Thanking you all in advance

x

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use photobucket and right click and copy when the image is large screen, then post here in the msg box

 

i'll get this moved to the welcome forum too.

 

looks like you might be in for a windfall.

 

robbing lot are welcome

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Hiya Fairydust, geesh they must think your running a charity. dont worry we will look after you . . .

 

Scan the letter but also do you have a copy of your orriginal agreement for us to view ? if not we can get you one in 14 days.

 

 

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Thank you so much eveyone Im genuinely touched by your responses and no longer feel as helpless. I had posted on a different site at the same time and all I got was abuse about not running my finances correctly

Im afraid all I have is the policy schedule not the original agreement, I had a lot of problems some years ago and had a breakdown Once I pulled myself together I got my life in order and I moved 85 miles from my home town for a fresh start I can only assume I lost the original agreement in my move and sillyness of not being on the planet (I can smile about that now) :oops:

 

anyway letter below with personal details blanked

Welcome doc.jpg

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Fairydust,

 

if possible can you upload your contract to here . then post the link for us as its not really readable in the current format.

 

Also if you send the below letter they will send you the orriginal agreement.

 

 

 

Your Address

 

Date

 

Dear Sir/Madam

 

Re:− Account/Reference Number 4563210025897412

 

This letter is a formal request pursuant to s.77 to s.79 of the Consumer Credit Act 1974.. I require you to provide me with a true copy of the credit agreement relating to the above account, 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.

 

Yours faithfully

 

 

print your name (not sign) and enclose a one pound postal order, send it to head office at :

 

Welcome financial services

Compliance Department

Ruddington fields business park

Ruddington

Nottingham

NG11 6NZ

 

 

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anyway letter below with personal details blanked

 

 

postage stamp

follow instruction in post 4

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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i can see it :)

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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hehe, if welcome are offering that kind of discount, CAG will atleast double it or even wipe the debt out totally.

 

our expert is already with you...........;)

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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  • 2 months later...

Hi all you helpfull people. You were great with me a few weeks back re Welcome finance and sent me a template to ask for a statement on my hugely overpaid account. I am now in possesion of the statements what do I do next?

 

Thanking you all in advance

x

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stick to the same thread!!

http://www.consumeractiongroup.co.uk/forum/welcome-finance/243732-welcome-finance-please-help.html

 

scan it

remove pers info barcode & side numbers

leave figures

 

post it up in your other thread

 

dx

 

leabve

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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scan each page

edit out details.

 

then use one of the many sites to convert it [or make] a PDF file of them all

 

then post it as an attachment under the go advanced

button below.

 

do it on you original thread though.

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Two threads merged,

 

Fairydust, please continue to post here.

 

Thanks,

 

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

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Hi all

Please find below 6 links to my statements - I hope this has worked

 

jjqmwm.jpg

 

14wuhyb.jpg

 

5vu6np.jpg

 

9scimb.jpg

 

xdb90m.jpg

 

zlfdk7.jpg

 

I worked out I have paid £3228.86 to Welcome on a loan of £1600 - there was a charge of £1019.80 for PPI but I have dealt with that seperately and had an offer of £498 refund but they want to "clear my arrears" I have refused the clear the arrears option and await a cheque for the ppi

 

I just dont know what to do next now I have these statements

 

Thanking you all in advance

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well done

!

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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