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    • Hi, I need advice please, Back in November 2018 we parked at The Southgate McDonald’s/Starbucks car park at Stansted before getting our flight.I parked at Starbucks to walk to McDonald’s. I have received letters over the years and have never acknowledged any of them . I now have a CCJ against me as I didn’t think that it was real so never answered My latest letter from dcbl is a notice of debt recovery unpaid county court judgment of £347.92.I know I should have completed the CCJ.Is there anything that I can do now or should I just pay it.Thank you bingoboy
    • Hi BankFodder, Stu007 This is correct BankFodder. Thanks for all the info Stu007, very interesting reading Regards
    • Seems as if Germany has their own version of Boris🤣   ”I know that some of you are impatient with my posts about German politics, and particularly my repeated pieces on our retarded Health Minister. I get that this can seem like inside baseball, and that all of you suffer under the very similar idiocies of your own Covid politicians. But, I just can’t help myself. Lauterbach is a special case, a truly monumental idiot who in his boundless incompetence and stupidity vastly exceeds his peers. It is my aim to make him the international symbol of pandemic derangement. I want pictures of this human incarnation of everything that is wrong with masking children and force-vaccinating millions printed next to future dictionary entries on Covidianism. We have seen the enemy, and it is this sad, stupid, Smeagol-looking loser, who thinks Eric Feigl-Ding is an authority and that clip-on bowties are fashionable.”     German Media Realise Their Health Minister is an International Laughingstock – The Daily Sceptic DAILYSCEPTIC.ORG The German media are waking up to the fact that their mask-loving Health Minister Karl Lauterbach is an international...
    • Guardian readers on here  trying to ignore this 🤣🤣🤣   “Was it my imagination, on Tuesday morning, that there were more than the usual number of possible Guardian readers looking down in the mouth? I don't think so. A few of them, with that hard-to-define but easy-to-recognise look of Guardianistas, appeared unusually pensive. Had some momentous event occurred that had made them question their prejudices? Later in the morning, I stumbled on a possible cause. There was an article prominently displayed in the Guardian print edition and on its website under the byline of the paper's Economics Editor, Larry Elliott. Its headline ran: 'I've got news for those who say Brexit is a disaster: It isn't. That's why rejoining is just a pipe dream.'”   STEPHEN GLOVER: Why won't the Tories trumpet the successes of Brexit when even the economics editor of the Guardian hails its benefits? | Daily Mail Online WWW.DAILYMAIL.CO.UK STEPHEN GLOVER: The headline of Larry Elliott's Guardian article ran: 'I've got news for those who say Brexit is a disaster: It...  
    • So I ask you –"when did you first have sight of this policy containing this exclusion?" And you answer – "when I brought the policy" And then I ask you – "what is the value of the damage your caravan has sustained" and you answer that it is probably a complete write-off    
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    • 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
    • Post in Some advice on buying a used car
    • People are still buying used cars unseen, paying by cash or by bank transfer, relying on brand-new MOT's by the dealer's favourite MOT station….
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      • 2 replies

Welcome Finance - Help me please!! :(

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Admin- please move this to the correct place ?


Hi, i have a financed car with welcome.


I owe £1400 of balance and £1100 of arrears.


I rang them today as my cars clutch went and i need to fix it ASAP as i go to uni and i have two small children. This means i could only afford to pay them £100 of my £224.01 payment this month.


They said they have sent me a default notice in the post to pay my arrears within 14 days or they take the car back.

Have not received this notice as yet


When i told them my situation they said there is nothing further they can do, and that they want me to volutarily give the car back. and they will ring me monday morning to discuss this once he has spoken further with his manager.


What do i do? please help me :(

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Hello and Welcome, Welshie1984.


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






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

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Welshire, Your in the best place for help with this, sit tight and im sure someone will be along soon to advise.

As always please check and double check what myself and other Caggers inform.


If you like my Post please dont be shy give my Scales a little tickle :-)

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Hi Weshie.


It may be worth you sending a CCA request and Subject access requestlink3.giflink8.gif to have a look a what Welcome have been doing to your account.

CCA should be returned to you within 14 days and Subject access requestlink3.giflink8.gif can take up to 40 days. (included in the Subject access requestlink3.giflink8.gif should be all info regarding your account including statements which should tell you the information you require regarding charges etc).

The CCA will cost £ 1 (postal order) send recorded delivery.

The Subject access requestlink3.giflink8.gif will cost £ 10 (postal order) send recorded delivery.

When sending these requests do not signlink3.giflink8.gif your name just print.


Letter templates below.





Once you recieve your documents post them up on your thread and the more experienced on here will lend a hand.


Send to..

Welcome Finance Compliance Services Mere Way Ruddington Nottingham NG11 6NZ

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I asked for a Copy of my credit Agreement already, Welcome were fine with me being in arrears , then i asked for it, same day a default notice was sent to me.


I took my CA to the CAB and they said it was legitimate. Welcome said they are going to get a court order and an attachment of earnings.. Thing is i said i would pay the other half of this months payment next week when my finances stable out a bit more, but they were having none of it, insisting on me volunteering to give my car back to them monday?

Surely taking someone to court for £2400 when the company is already failing is pretty pointless effort when i already said im going to pay the next 8 payments to them , thats all i have left!

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Hi there, do not give the car back voluntarily! they will sell it for peanuts and then come after you for the balance. Keep making the payments you have promised them and if they do take court action we will help you defend it - a judge would not give them possession of the car given how much you have already paid and the few payments that are left on the agreement.


Stick to your guns, tell them you know your rights and just keep making the payments.

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My advice is based on my opinion and experience only. It is not to be taken as legal advice - if you are unsure you should seek professional help.

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