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    • wont go near it with a barge pole as its ex gov't debt.  
    • Thanks, I've had my fill of this lot. What makes me so mad is that I had to take out student loan to get any DHSS help. And then when I tried to help myself and family they presented obstacles. Might be worth passing story to RIP off Britain?
    • there is NO exposure if you simple remove your name address/ref numbers etc from docs, over 10'000 pdf uploads are here. which then harvests IP addresses off of the people that then do so..which is why we do not allow hosting sites. read our rules and upload carefully thats exactly why we say capture as JPG, redact, then convert/merge to one mass PDF. then online sites to achieve that we list do not leave watermarks.  every once in a while we have a user like you that thinks they know better...we've been doing it since 2006 with not one security issue. thank you.
    • was at the time you ticked it  but now they've still not complied . if you read up, here , you'll see thats what everyone does,  
    • no they never allow the age related get out, erudio are masters at faking supposed 'arrears' fees which were levied before said date and thus null its write off. 1000's of threads here on them!! scammers untied that lot. i can almost guarantee they'll state it's not SB'd too re above, but just ignore them once sent. dx    
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    • If you are buying a used car – you need to read this survival guide.
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    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
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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
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what do i do with welcome acc


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hi my husband contacted the land registry to see what charge welscum have got on the property and they have a full charge they are sending the details to us. my husband is the registered owner of the property it is nothing to do with me. if im not on the mortgage how can i be a joint owner?

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the property has never been in joint names my husband took out the loanand welscum said he wouldnt get the loan with out me signing we explained i was not a joint owner of the property and they said it didnt matter on recieving the paperwork on the subject access request this present loan we just got copies of cheques which were suppossedly sent out and cancelled as they say we took out the loan in july 07 but didnt actually recieve the cheques till sept 07 and because of this the local muppet office are saying my husband is in arrears also in the subject access request paperwork i had a statement but that is all and it was all in my name and my name alone they have failed to send a cca and i noticed in the subject access request on a previous loan we had with them there was a legal charge document for a previous loan which was all paid off this was legal as it had been signedby my self my husband and we had a witness sign it but for this present loan we have nothing thanks major player jo

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Wow, looks like Welcome have surpassed themselves on this one!

 

OK, so your settled "Legit" loan should have seen the charge removed from the land registry - I reckon they didn't do this and are relying on this to secure the current "dodgy" one which for some reason is in your name.

 

There are a couple of ways to go with this in my opinion but any other contributions would help.

 

(1) Get land reg to remove the charge - you technically have no legal right to register a charge on your own without your husbands say so. They have a charge on your husbands house under false pretences.

 

(2) Take the mis-payout on as a formal complaint with poss escalation to fos, they can't charge you interest on something that you did not have the benefit of, especially when this was due to their own error.

 

Now there could be recourse for you in looking at the agreement type and unenforceability of the loan etc etc and not sure if you have PPI too so you may want to take a step back, keep collecting the evidence of theor malpractice and go for the kill or you can take one step at a time, depends on your preferences but vlearly they have a fair bit to answer for already!

 

If you need assistance on letters, let me know.

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  • 2 weeks later...

hi i dont know how the scanner works so i will do this by hand

KEY FINANCIAL INFORMATION

AMOUNT OF CREDIT FOR CASH ADVANCE 13000.00

AMOUNT OF CREDIT FOR INSURANCES 2722.93

TOTAL AMOUNT OF CREDIT 15722.93

AMOUNT OF MONTHLY REPAYMENTS 255.61

OVER 180 MONTHS AT 19.81% APR

 

OTHER FINANCIAL INFORMATION

 

PPI 2352.93

LIFECARE 24 195

PERSONAL ACCIDENT PLAN 175

ACCEPTANCE FEE 175

INTEREST CHARGE 30051.70

TOTAL CHARGE FOR CREDIT 30256.70

RATE OF INTEREST PER ANNUM ( VARIABLE) 19.42%

 

i would be grateful if anyone is available to go over these figures and i will be really grateful if welscum ave messed up again and yes i will be claiming all the insuraces back as was not aware we had this

jo

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hi i dont know how the scanner works so i will do this by hand

KEY FINANCIAL INFORMATION

AMOUNT OF CREDIT FOR CASH ADVANCE 13000.00

AMOUNT OF CREDIT FOR INSURANCES 2722.93

TOTAL AMOUNT OF CREDIT 15722.93

AMOUNT OF MONTHLY REPAYMENTS 255.61

OVER 180 MONTHS AT 19.81% APR

 

OTHER FINANCIAL INFORMATION

 

PPI 2352.93

LIFECARE 24 195

PERSONAL ACCIDENT PLAN 175

ACCEPTANCE FEE 235

interestlink3.gif CHARGE 30051.70

TOTAL CHARGE FOR CREDIT 30256.70

RATE OF INTEREST PER ANNUM ( VARIABLE) 19.42%

 

i would be grateful if anyone is available to go over these figures and i will be really grateful if welscum ave messed up again and yes i will be claiming all the insuraces back as was not aware we had this

jo

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hi i dont know how the scanner works so i will do this by hand

KEY FINANCIAL INFORMATION

AMOUNT OF CREDIT FOR CASH ADVANCE 13000.00

AMOUNT OF CREDIT FOR INSURANCES 2722.93

TOTAL AMOUNT OF CREDIT 15722.93

AMOUNT OF MONTHLY REPAYMENTS 255.61

OVER 180 MONTHS AT 19.81% APR

 

OTHER FINANCIAL INFORMATION

 

PPI 2352.93

LIFECARE 24 195

PERSONAL ACCIDENT PLAN 175

ACCEPTANCE FEE 235

interestlink3.giflink3.gif CHARGE 30051.70

TOTAL CHARGE FOR CREDIT 30256.70

RATE OF INTEREST PER ANNUM ( VARIABLE) 19.42%

 

is there anyone to help with these figures please

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welscum have been phoning all day today they asked me a security question i gave them the wrong answer lol the muppet didnt know what to say lol any way is there anyone to go over the figures on post 40 for me please pretty please

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hi i dont know how the scanner works so i will do this by hand

KEY FINANCIAL INFORMATION

AMOUNT OF CREDIT FOR CASH ADVANCE 13000.00

AMOUNT OF CREDIT FOR INSURANCES 2722.93

TOTAL AMOUNT OF CREDIT 15722.93

AMOUNT OF MONTHLY REPAYMENTS 255.61

OVER 180 MONTHS AT 19.81% APR

 

OTHER FINANCIAL INFORMATION

 

PPI 2352.93

LIFECARE 24 195

PERSONAL ACCIDENT PLAN 175

ACCEPTANCE FEE 235

interestlink3.giflink3.giflink3.gif CHARGE 30051.70

TOTAL CHARGE FOR CREDIT 30256.70

RATE OF INTEREST PER ANNUM ( VARIABLE) 19.42%

 

is there anyone to go over these figures for me i need to know if i can put the account in default

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hi i dont know how the scanner works so i will do this by hand

KEY FINANCIAL INFORMATION

AMOUNT OF CREDIT FOR CASH ADVANCE 13000.00

AMOUNT OF CREDIT FOR INSURANCES 2722.93

TOTAL AMOUNT OF CREDIT 15722.93

AMOUNT OF MONTHLY REPAYMENTS 255.61

OVER 180 MONTHS AT 19.81% APR

 

OTHER FINANCIAL INFORMATION

 

PPI 2352.93

LIFECARE 24 195

PERSONAL ACCIDENT PLAN 175

ACCEPTANCE FEE 235

interestlink3.giflink3.giflink3.giflink3.gif CHARGE 30051.70

TOTAL CHARGE FOR CREDIT 30256.70

RATE OF INTEREST PER ANNUM ( VARIABLE) 19.42%

 

is there anyone to go over these figures for me i need to know if i can put the account in default

user_online.gifreputation.gif report.gif

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hi i dont know how the scanner works so i will do this by hand

KEY FINANCIAL INFORMATION

AMOUNT OF CREDIT FOR CASH ADVANCE 13000.00

AMOUNT OF CREDIT FOR INSURANCES 2722.93

TOTAL AMOUNT OF CREDIT 15722.93

AMOUNT OF MONTHLY REPAYMENTS 255.61

OVER 180 MONTHS AT 19.81% APR

 

OTHER FINANCIAL INFORMATION

 

PPI 2352.93

LIFECARE 24 195

PERSONAL ACCIDENT PLAN 175

ACCEPTANCE FEE 235

interestlink3.giflink3.giflink3.giflink3.giflink3.gif CHARGE 30051.70

TOTAL CHARGE FOR CREDIT 30256.70

RATE OF INTEREST PER ANNUM ( VARIABLE) 19.42%

 

is there anyone to go over these figures for me i need to know if i can put the account in default

user_online.gifreputation.gif report.gif

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hi i dont know how the scanner works so i will do this by hand

KEY FINANCIAL INFORMATION

AMOUNT OF CREDIT FOR CASH ADVANCE 13000.00

AMOUNT OF CREDIT FOR INSURANCES 2722.93

TOTAL AMOUNT OF CREDIT 15722.93

AMOUNT OF MONTHLY REPAYMENTS 255.61

OVER 180 MONTHS AT 19.81% APR

 

OTHER FINANCIAL INFORMATION

 

PPI 2352.93

LIFECARE 24 195

PERSONAL ACCIDENT PLAN 175

ACCEPTANCE FEE 235

interestlink3.giflink3.giflink3.giflink3.giflink3.giflink3.gif CHARGE 30051.70

TOTAL CHARGE FOR CREDIT 30256.70

RATE OF INTEREST PER ANNUM ( VARIABLE) 19.42%

 

please is there anyone to check these figures for me as i dont know how thanks

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