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    • Thank you very much for your letter in regard to the above mentioned shipment.  Due to the high volume of parcels coursing through the courier network each day, undergoing continuous processing and handling, certain packages may experience delays or even can get lost in the course of this journey. Please note that due to the time that has passed, this shipment has been declared as lost.  I have today processed the claim and made offers to the value of £75 as a goodwill gesture without prejudice. I do acknowledge that you have mentioned in your letter that the value was higher, however, you did not take out any protection to that amount. The protection for this shipment was £20 and we will not be increasing our goodwill offer any further.    Please log into your account online in order to accept our offer. Once accepted, our accounts department will process the claim accordingly. The claim payment will be processed and received within 7 working days.                                  In addition, a refund of the carriage fee will be processed as a separate payment and will be received within 3 working days.  If I can further assist, please feel free to contact me.   I have also just noticed that yesterday afternoon they sent me an email stating that "after my request" they have refunded the cost of shipping. I did not request the refund so will mention that in my letter as well.
    • Hi I had to leave Dubai back in 2011, during the financial crisis. And only now have I received a letter from IDRWW. Is this anything to worry about about as I have 2 years left until it’s been 15 years(statute barred in Dubai). Worried as just got a mortgage 2 years ago. Could they force me in to bankruptcy? Red lots of different threads on here. And unsure what true and what isn’t. 
    • Not that TOR will see this now he's thrown in the hand grenade. Rayner has plenty of female supporters on X, for a start. As for the council and HMRC, fair enough and I thought Rayner was already in touch with them. That's where it should be dealt with, not the police force. @tobyjugg2 Daniel Finkelstein thinks the same as you about tax. The Fiver theory. How the Fiver Theory explains this election campaign ARCHIVE.PH archived 28 May 2024 17:36:51 UTC  
    • Often with the Likes of Lowells/ Overdales that 'proof' doesn't stand up to scrutiny.   Think about it like a game of poker, they want to intimidate you into folding and giving up as soon as possible, and just get you to pay up and roll over, that is their business model, make you think your cards are rubbish. What they don't expect, and their business isn't set up for it, is for a defendant to find this place and to learn that they have an amazing set of cards to play. Overdales don't have an infinite number of lawyers, paralegals etc, and the time / money to spend on expensive court cases, that they are highly likely to lose, hence how hard they will try to get you to roll over.  Even to the extent of faking documents, which they need to do because the debts that they purchased were so cheap, in the first place. Nevertheless it works in most cases, most people chicken out, when they are so close to winning, and a holding defence is like slowly showing Overdales your first card, and a marker of intention that this could get tricky for them. In fact it may be,  although by no means guaranteed that it won't even go any further than that.  Even if it does, what they send you back will almost certainly have more holes than Swiss Cheese, and if with the help you receive here, you can identify those weaknesses and get the whole thing tossed in the bin.
    • So Rayner who is don’t forget still being investigated by the local council and HMRC  is now begging to save her seat Not a WOMAN in sight in this video other than Rayner  Farage is utterly correct this country’s values are non existent in her seat   Rayner Pleads With Muslim Voters as Pressure From Galloway Grows – Guido Fawkes ORDER-ORDER.COM Guido has obtained a leaked tape from inside a meeting between Angela Rayner and Muslim voters in Ashton-under-Lyne...  
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help please im desperate


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please bear with me as unsure where to start

i took a car loan out in 2004 all front loaded with the usual ppi, mechanical breakdown extra, that got written off in feb 2006 and left me a shortfall of £940.42 apparently i had missed a couple of payments and the gap insurance didnt cover that

in march 2006 i got another car from them the figures are as follows

 

AMOUNT FOR CREDIT £10420.00

AMOUNT OF INSURANCES £3232.75

AMOUNT CREDIT AND GOODS £13652.75

AMOUNT OF CREDIT FOR REFINANCING £940.42

 

TOTAL MOUNT OF CREDIT £14593.18

 

48 MONTHS @ £367.27

 

TOTAL MOUNT FOR GOODS £12587.52

TOTAL AMOUNT PAYABLE FOR INSURANCES £3905.28

TOATAL AMOUNT PAYABLE FOR REFINANCING £1136.16

TOTAL AMOUNT PAYABLE £17628.96

 

APR 10%

 

scan002.jpg

 

NO WHERE IS THERE ANY MENTION OF THE £100 DEPOSIT I PAID

 

THEN IN DEC 2006 I REWROTE THE AGREEMENT TO £161.02 OVER 84 MONTHS BUT IM CERTAIN I NEVER RECEIVED A COPY OF THE AGREEMENT AND I DONT REMEMBER THEM REFUNDING THE PPI

 

SO WHAT NOW HAS ANYONE GOT THE SAR LETTER I CAN MODIFY TO SEND OFF TO HEAD OFFICE SO I CAN CHECK THE STATUS OF WHECH PPI I PAID

 

THANKS FOR YOUR PATIENCE AND ANY HELP

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Back A Few Months Ago I Did But Ive Changed Laptops Since Then And Lost The Letter (stupid I Know) Anyway Never Received A Reply From Them And What With Loads Going On I Never Chased It Up So Need To Send It Again, Can You Please Put A Link Up So I Can Use The Special Letter And Modify It To My Own Means

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WELCOME FINANCIAL SERVICE

COMPLIANCE

RUDDINGTON FIELD BUSINESS PARK

RUDDINGTON

NOTTINGHAM

NG11 6NZ

 

REMEMBER THE £10 POSTAL ORDER AND SEND RECORDED DELIEVERY

 

GOOD HUNTING

 

 

[your address]

 

 

 

[their address]

 

 

[DATE]

 

 

 

Data Protection Act 1998

Subject Access Request

 

 

 

Dear Sir/Madam

 

 

ACCOUNT NUMBER: xxxxxxxxx (or multiple numbers if more than one account)

 

 

Please supply me with copies of all the data which you hold on me in relation to any matter and in any form and for any period of time.

Please note that I require disclosure of any personal datalink3.gif which you hold on me for the entire period of my dealings with you.

The Subject Access is not limited to my transaction history and it is not linited merely to 6 yearslink3.gif of historical information.

Additionally, where there has been any event in my account history over this period which has required manual intervention by any member of your staff, or any other person, I require disclosure of any indication or notes which have either caused or resulted in that manual intervention, or other evidence of that manual intervention in relation to my financial business with you.

I require all information on details of all insurance products supplied by welcome financial services. This is to include the statement of means, statement of price, details of all insurance premium tax paid, and underwriting sheets.

If mortage indemnity insurance has been added to the agreement, i require all details on who this premium was paid to, and who underwrites this insurance.

 

If you are unable to supply this data because there has been no such manual intervention, then please be so kind as to confirm this in your response.

 

I enclose the statutory maximum fee of £10. You have 40 days in which to comply. Furthermore, if I discover that you have levied disproportionate penalties or charges which are invalid under the Unfair Terms in Consumer Contracts Regulations against me, then I shall be reclaiming them together with any interestlink3.gif charges which you have levied on them.

As it is your wrongdoing and mishandling of my account which has created the necessity for this Subject Access Request, I shall also be reclaiming the enclosed £10 Data Protection Act subject access request fee.

 

If there is specific information which you require in order to satisfy yourself as to my identity, please let me know by return. However, please note that the above address is the one which you normally use to communicate my private business to me and which you have hitherto found to be acceptable.

I would be happy to collect the Data from my local branch.

 

 

Yours faithfully,

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check that your local office is still open i believe Welcome are being wound up and are only operating from Nottingham now after accrueing debts of in excess of £2billion!

 

UNFORTUNATELY THE GILLINGHAM OFFICE IS A COLLECTION OFFICE AND AS OF THIS MORNING IS STGILL OPEN, I KNOW THIS AS I CALLED TO MAKE MY PAYMENT TODAY

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send to notingham by recorded delivery

 

ill check out the agreement posted up but the new agreement you signed will be the one that now counts

 

give me half an hour

 

 

THANKS FOR THAT, WHEN I ASKED THE LOCAL OFFICE FOR A COPY OF MY NEW AGREEMENT THEY SAID IT HAD BEEN MISLAID AND COULDNT FIND IT?, I REPLIED IT MUST BE ON PC BUT APPARENTLY ONLY THE BASIC INFO IE PAYMENTS AND BALANCE ARE THERE

 

DOES THIS MAKE SENSE TO ANYONE?

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Yes your making sense :p

 

My slightly devious mind has just thought of something IF the New credit agreement has been mislaid then how can they proove that you owe them money?

DOESNT IT FOLLOW THAT IF IM MAKING REGUKLAR PAYMENTS THEN THEY COULD ARGUE THAT I DO OWE THE MONEY ELSE WHY WOULD I BE PAYING

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ill break down this agreement in parts

 

CREDIT FOR GOODS

£10,420 OVER 48 MONTHS WITH AN APR OF 10%, THAT WORKS OUT AT

 

MONTHLY PAYMENT £262.13

INTEREST £2,162.07

TOTAL PAYABLE £12,582.07

 

NOW INSURANCE

 

PPI £2382.75

MECHANICAL BREAKDOWN £500

SHORTFALL EXTRA (GAP) £350 TOTAL INSURANCE £3232.75

 

that works out at 10 % over 48 months at

 

MONTHLY PAYMENT £81.32

INTEREST £670.77

TOTAL PAYABLE £3903.52

 

NOW ILL ADD ALL THE EXTRAS

 

REFINANCE FEE £195.74

 

I NOW HAVE ALL THE FIGURES

 

INTEREST ON GOODS £2,162.07

INTEREST ON INSURANCE £670.77 TOTAL £2832.84

 

NOW ADD INSURANCE TOTAL £3232.75

COST OF CAR £10,420

 

TOTAL £16,485.59

NOW ADD REFINANCE FEE OF £195.74

 

 

 

TOTAL REPAYABLE £16,681.33

 

OVER 48 MONTHS GIVES A MONTHLY REPAYMENT OF £347.52

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post....the difference you found on the insrances does that actually mean anything ? after all its on the original agreement which has been rewritten

i know im being dumb( yes i am blonde!!!) but is there anything i can actualy do now?

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ill break down this agreement in parts

 

CREDIT FOR GOODS

£10,420 OVER 48 MONTHS WITH AN APR OF 10%, THAT WORKS OUT AT

 

MONTHLY PAYMENT £262.13

INTEREST £2,162.07

TOTAL PAYABLE £12,582.07

 

NOW INSURANCE

 

PPI £2382.75

MECHANICAL BREAKDOWN £500

SHORTFALL EXTRA (GAP) £350 TOTAL INSURANCE £3232.75

 

that works out at 10 % over 48 months at

 

MONTHLY PAYMENT £81.32

INTEREST £670.77

TOTAL PAYABLE £3903.52

 

NOW ILL ADD ALL THE EXTRAS

 

REFINANCE FEE £195.74

 

I NOW HAVE ALL THE FIGURES

 

INTEREST ON GOODS £2,162.07

INTEREST ON INSURANCE £670.77 TOTAL £2832.84

 

NOW ADD INSURANCE TOTAL £3232.75

COST OF CAR £10,420

 

TOTAL £16,485.59

NOW ADD REFINANCE FEE OF £195.74

 

 

 

TOTAL REPAYABLE £16,681.33

 

OVER 48 MONTHS GIVES A MONTHLY REPAYMENT OF £347.52

sorry i think you've missed out the £940.42 left from old agreement unless im thick (which is entirely possible)

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Thanks

 

I Missed That

 

Ill Do The Figures Again But

 

ime Now Confused

 

They Are Saying That Was What Was Left Over From The Previouse Agreement

 

The Agreement Posted Is The Second Agreement I Take It Then

and On This Second Agreement You Purchessed A Car

 

Please Confirm

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Thanks

 

I Missed That

 

Ill Do The Figures Again But

 

ime Now Confused

 

They Are Saying That Was What Was Left Over From The Previouse Agreement

 

The Agreement Posted Is The Second Agreement I Take It Then

and On This Second Agreement You Purchessed A Car

 

Please Confirm

 

no this is the original agreement for the car the amount left for refinancing was for the car from 2004 finance ( a mondeo) this agreement was for a vectra

 

to put it in simple terms ive had 3 accounts

 

2004 a mondeo

2006 march vectra this one we are talking about

dec 2006 rewrite of vectra agreement

 

hope this clears things up

 

i know im confusing its my speciality!!!!!

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