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    • OK, thanks, I won't wait for them. On a side note, some of the posts on here are a bit frustrating, I read through five pages or so of someone going through the court process rooting for them as I'm reading, then nothing, not heard of again. Left here wondering what the outcome was, lol!
    • Hello Caggers,   I've been trying for years to get an old EE account wiped off my credit file. It was opened in 2013 and almost immediately defaulted but was shown as "Payment Arrangement" ever since. I contacted EE by telephone in 2022 and was advised it had not been wiped because there was still £69 owing, I paid it and thought it would correct once the CRA's updated their reporting cycle. However, it has still not been removed. I made a formal complaint on 27/03/2024 and have had contact with the executive team who advised that  "EE account ......... has now been deleted from the Credit File as it failed to close as it was reporting the payment arrangement set up despite, as advised this failing which should have resulted in a further default showing.  Please be advised the deletions we have completed take 24 hours to update if a paid service is used to view the Credit File. If the customer uses one of the free services to view the Credit File, the recordings update in 24 hours but the changes can take up to 30 days to be visible on a new copy of the Credit File. I have requested compensation and been advised by EE that another team are looking into this. That was almost 2 weeks ago and there has been no contact since, despite me chasing it. I do not want to go to court and would rather settle this amicably. However,I have been advised that I might have a claim for aggravated damages due to the length of time the incorrect reporting has been on my file and the fact that I told EE about this issue and paid the demanded outstanding amount of £69 almost 18 months ago. Should I just wait for EE to reply or should I start building my case against them? Is their statement admissible as evidence of their blame or do I need to dig a bit more? I made a DSAR which was initially rejected as having no data found yet. I trawled my e-mails from 2013 and found the account number and mobile number, I'm now awaiting the result of my 2nd attempt at DSAR. I have very little in the way of proof of actual loss except a mortgage refusal e-mail from HBOS in 2015. I have also had high interest loans and credit over the last 10 years but again cannot directly attribute this to this one specific error. There were other items on my credit file that could also have contributed to a low credit score too and I'm not out to cash in on anything. I want to make sure I don't end up shooting myself in the foot for any obvious reason and would appreciate any help from anyone who has had similar experience with breaches of DPA.
    • Noted. Keep an eye on the other threads here including the update a few hours back by Rob Carr.
    • dont need statements. nor std info sheets. EVERTHING else  dx
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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.

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      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.

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      Many thanks 
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    • 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.
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      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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Borrowing to a degree is important but borrowing at 69%? I hope your not justifying that? If so then I'll be shocked. However I would never argue that being treated badly is acceptable.

 

My points are valid. Want proof? Look at the economy! That is the result of greed from both lenders & borrowers. Glad they have scrapped 110% - even 125% morgages. Don't you think that's obscene? From both parties?

 

If people only borrowed what they could afford (I accept there are exceptional circumstances btw) then companies like welcome & provident wouldn't exist.

 

I may have inferred incorrectly that some of you aren't taking responsability and for that I'm sorry but 69% loans? And to sign that dotted line? It takes 2 parties to enter a contract and both parties can funk it up. It seems in the case it's welcomes fault 100% without exception.

 

The OP wrote with sarcasm but he has a point many people have borrowed through greed and now they suffering the consequences.

 

I can't possibly win this debate as I have little back up and I have no desire to offend anyone as were all in the boat. I just don't think we can agree that borrowing at 69% does the world any favours so I say roll on the days when you only bought what you could afford

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Ahh leelakey, the voice of a dissatisfied youth. I guess your brain has somehow decided that unless everyone agrees with you then they MUST be a staff member of welcome finance

 

I actually work as a resource planner for RAC auto windscreens (now sold by Aviva and bought by a german parent company re-branded as 'auto windscreens')

 

If that's the best insults you've got then I suggest you sharpen your wit by watching Brass Eye. I would even list my work tel no but what do I have to prove to a dude like you? Jog on

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Borrowing to a degree is important but borrowing at 69%? I hope your not justifying that? If so then I'll be shocked. However I would never argue that being treated badly is acceptable.

 

My points are valid. Want proof? Look at the economy! That is the result of greed from both lenders & borrowers. Glad they have scrapped 110% - even 125% morgages. Don't you think that's obscene? From both parties?

 

If people only borrowed what they could afford (I accept there are exceptional circumstances btw) then companies like welcome & provident wouldn't exist.

 

I may have inferred incorrectly that some of you aren't taking responsability and for that I'm sorry but 69% loans? And to sign that dotted line? It takes 2 parties to enter a contract and both parties can funk it up. It seems in the case it's welcomes fault 100% without exception.

 

The OP wrote with sarcasm but he has a point many people have borrowed through greed and now they suffering the consequences.

 

I can't possibly win this debate as I have little back up and I have no desire to offend anyone as were all in the boat. I just don't think we can agree that borrowing at 69% does the world any favours so I say roll on the days when you only bought what you could afford

Sorry for the delay in replying, the bloke just turned up to regas my air con; that is the air con on MY car that I bought for CASH after Welcome ILLEGALLY repossessed my car. My issue with Welcome was NEVER about the money it was ALWAYS about the principle. I found a car that I wanted in 2006 at a very cheap price, it just so happened it was in a garage that was "in bed with" Welcome Finance had an underhanded, secret commission based bias relationship with them which, incidentally I didn't know at the time. So I didn't choose to have my finance with them, I chose a very reasonably priced car that I could easily afford to have on finance. I was also happy to have the insurances, (even though I was told they were compulsory), to protect me. Only they didn't protect me at all!!! Hence the beginning of my complaints that got totally ignored and eventually resulted in the illegal repossession of my car after I had been paying for almost 4 years.

 

You say you have no intention to offend people?? Well coming on to a Welcome Finance forum and lumping together everybody who took finance with Welcome as irresponsible, greedy and unable to manage their own finances is going to have little other effect than to offend!

 

"My points are valid. Want proof? Look at the economy! That is the result of greed from both lenders & borrowers. Glad they have scrapped 110% - even 125% morgages. Don't you think that's obscene? From both parties?"

No I bloody well don't!! Who do you think I am?? Judge and jury of lenders and borrowers??

Equally, if Welcome choose to offer 69% loans and people choose to accept then that is their personal choice. We have no right to admonish people for the choices they make, to each his own.

 

You really believe the recession is solely the result of 110% and 125% mortgages?? As I said, to each his own, and if that is your opinion then you are entitled to it. I know somebody who had a 125% mortgage and they found it a very reasonable way to pay off expensive credit at a much lower rate, they have never missed a payment. I'm sure banks using tax payers money from bail outs to pay themselves millions of pounds in bonuses didn't contribute at all! But that's just my opinion, which I am entitled to.

 

But I hardly think you came on here to criticise Welcome's APR and the consumers who accept it??!

If you did then you might as well have come on saying you disagree with men wearing socks with sandals! The point is, you are not the judge and jury of the financial sector nor the actions of the people in it! Do you live in a glass house by any chance?

 

I don't think you'll find any threads called "I took out finance with WF at an extortionate APR and now I want to complain about it."

 

"I may have inferred incorrectly that some of you aren't taking responsability and for that I'm sorry but 69% loans?"

You may have inferred????:confused: It's been the whole basis of every one of your posts!!

 

"It seems in the case it's welcomes fault 100% without exception."

I think you may have missed the point of this forum. For the purpose of clarity; this forum is where people who have been wronged by Welcome can come to get help with their situations from others in the same position. Therefore it's highly unlikely to represent a fair consensus of Welcome customers!

 

"The OP wrote with sarcasm but he has a point many people have borrowed through greed and now they suffering the consequences."

I absolutely agree! Many people have borrowed through greed and are now suffering, but you won't find any of those people here. Refer to my paragraph above!!

 

I was VERY offended at your comment that having children is a "luxury"!! Having children is how the human race survives! If people don't have children then what do you think will happen to the economy you are already so appalled by in the future??? Are you suggesting that only rich people should be allowed to have children??? Having a child is every woman's human right devoid of prejudice and judgment NOT a flaming luxury reserved the most well off!!

 

And you had no intention of offending anyone?? Well then you should think more carefully before you make flippant comments like that! You are perfectly entitled to your opinions, but don't think you will be afforded the "luxury" of not offendeding people!

 

"I can't possibly win this debate as I have little back up"

"Win"??? Now who's got an axe to grind?? I thought you wanted to have a discussion not a competition about who's going to "win"?? If you want to accuse people of grinding axes you should look at yourself first.

 

"little back up"?? On the contrary, you have a lot of back up. You've got my back up for a start!!!:mad:

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Ahh leelakey, the voice of a dissatisfied youth. I guess your brain has somehow decided that unless everyone agrees with you then they MUST be a staff member of welcome finance

 

I actually work as a resource planner for RAC auto windscreens (now sold by Aviva and bought by a german parent company re-branded as 'auto windscreens')

 

If that's the best insults you've got then I suggest you sharpen your wit by watching Brass Eye. I would even list my work tel no but what do I have to prove to a dude like you? Jog on

Now there's a co-incidence if ever there was one! I've got my car insurance with Aviva and I just had Auto Windscreens out this morning to replace my cracked windscreen! So us greedy, irresponsible people with the "luxury" of owning a car have just contributed to your wages!!

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Where you gone????!

 

 

Aww huni did the lil man run off and stop debating with you :(:lol:

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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Holy sh!t!! The vile posts coming my way just because I dare to oppose the disgruntled posters!!

 

Wow, I now want 2 things - a thicker dick & for welcome finance to screw you're emaciate arse's so you never borrow money you can't afford to pay back

 

Have kids you can't afford, let the tax payers pick up the bill & post Kerry katona as your inspiration

 

name calling is so childish, shame it's decended into this but with little intelligence you offer I guess it's inevitable

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Holy sh!t!! The vile posts coming my way just because I dare to oppose the disgruntled posters!!

 

Wow, I now want 2 things - a thicker dick & for welcome finance to screw you're emaciate arse's so you never borrow money you can't afford to pay back

 

Have kids you can't afford, let the tax payers pick up the bill & post Kerry katona as your inspiration

 

name calling is so childish, shame it's decended into this but with little intelligence you offer I guess it's inevitable

 

"not worth answering"

 

as for bringing "kids" into the equation "AGAIN" you really need throwing off the site.

 

cab

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Holy sh!t!! The vile posts coming my way just because I dare to oppose the disgruntled posters!!

 

Wow, I now want 2 things - a thicker dick & for welcome finance to screw you're emaciate arse's so you never borrow money you can't afford to pay back

 

Have kids you can't afford, let the tax payers pick up the bill & post Kerry katona as your inspiration

 

name calling is so childish, shame it's decended into this but with little intelligence you offer I guess it's inevitable

"Name calling"??? Where did you get that from?? Nobody called you anything!! You're the only one being disgruntled because people don't agree with you! All the posts here have been in the manner of having a "discussion", but you clearly have no intention of discussing anything as you've got your opinion and regardless of how many times others are putting forward their answers to the issues you raise, you just plain don't want to listen.

 

There are no "vile" posts, (apart from the ones you've made), only well informed arguments in response to your provocative and offensive allegations.

 

As you have failed to address any of the issues raised by others and responded to allegations that were never even made; firstly, you are no better than Welcome and secondly, before you question other peoples' intelligence I suggest you question your own. Your spelling and grammar is atrocious to the point it's practically illegible and your inabilty to digest and comprehend the points people are making speaks volumes.

 

You are the only one being childish on this thread, resorting to insults, name calling and a lack of comprehension is not only a sign of diminished intelligence but also a deficiency in reasoned debating skills and humanity.

 

I'm not going to justify your comment about children with a response; needless to say we are all blessed that you haven't procreated and further infiltrated your childrens' minds with prejudiced, judgmental and ill informed attitudes.

 

Incidentally, my inspiration is my children and I theirs.

 

As for your wish for Welcome to screw us over; they've been doing that for years anyway, hence the need for this forum!

 

I'm afraid I can't help you with your other wish, but I sincerely wish you all the best in your quest for it. I genuinely hope you succeed, because let's face it, you're never going to be able to satisfy a woman with your intelligent conversational skills :x

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Oh dear richard, as wannabe's partner I for one can tell you, you have bitten off more than you can chew.

 

The children comment you made was in rather poor taste. Bad one.

I think I am sick in the head, I have some kind of warped sense of humour (well I know I have )

 

What idiot sends an e mail to a solicitors firm, insulting them, and threatening legal action, potentially opening a can of worms, and leaving me and my family, and our home, wide open to a heap of trouble, court costs, and hassle for the next few months, but cant help but grin like a Cheshire cat once I had hit the send button on the email

 

Its madness, but it feels good to fight back !

 

http://www.unlawfulcarrepo.co.uk/

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Oh dear richard, as wannabe's partner (Team work) "luv it" I for one can tell you, you have bitten off more than you can chew.

 

The children comment you made was in rather poor taste. Bad one.

 

Welcome to cag "Calbob"

 

cab

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Oh dear richard, as wannabe's partner I for one can tell you, you have bitten off more than you can chew.

 

The children comment you made was in rather poor taste. Bad one.

 

*waves* Hello!

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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Holy sh!t!! The vile posts coming my way just because I dare to oppose the disgruntled posters!!

 

Wow, I now want 2 things - a thicker dick & for welcome finance to screw you're emaciate arse's so you never borrow money you can't afford to pay back

 

Have kids you can't afford, let the tax payers pick up the bill & post Kerry katona as your inspiration

 

name calling is so childish, shame it's decended into this but with little intelligence you offer I guess it's inevitable

 

 

In all honesty I feel you got what you came looking for, you deliberately posted to get a reaction you just werent prepared for how strongly people feel about this subject as for bringing children into the equation we will be the judge of if we can afford them. Im very glad you dont have any as your attitude is appalling! As for intelligence, its nice to see you are so much more highly educated than the rest of us that you didnt have the sense to not bother with your ridiculous accusations and comments. There is something to be said for common sense, educational intelligence can be taught!

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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well well look what happened to the little thread , it went all nasty! suprise! well i tried to practie spelling for you so i signed on twice this week, well i sign on but i do a bit fiddle work now and then, the suns been great this week so i been sittn on my front doorstep with my cider chattn to my fellow friends also sitting on there front doorsteps, in our slippers , smoking a bit fag. anyhoo some idiots came round for money but i pretended i wasnt me ha ha ha guess ill get more charges then but so! il tell FOS or someone.yes i hope welscum(good name bet took ages to think of that) get redundant although i heard they have and they gt thousands :-( bet they get loads of stuff from the shoplifters with that. i just got a 100inch tv for my sitting room it looks great, i havent got money for bills though. oh and i got the kids a massive trampoline, hope them welscum collectors dont use it to bounce on to look through my top windows n see me hiding behind my bed. anyway im off for my weekly wash now then to watch jeremy kyle.ta-rah

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well well look what happened to the little thread , it went all nasty! suprise! well i tried to practie spelling for you so i signed on twice this week, well i sign on but i do a bit fiddle work now and then, the suns been great this week so i been sittn on my front doorstep with my cider chattn to my fellow friends also sitting on there front doorsteps, in our slippers , smoking a bit fag. anyhoo some idiots came round for money but i pretended i wasnt me ha ha ha guess ill get more charges then but so! il tell FOS or someone.yes i hope welscum(good name bet took ages to think of that) get redundant although i heard they have and they gt thousands :-( bet they get loads of stuff from the shoplifters with that. i just got a 100inch tv for my sitting room it looks great, i havent got money for bills though. oh and i got the kids a massive trampoline, hope them welscum collectors dont use it to bounce on to look through my top windows n see me hiding behind my bed. anyway im off for my weekly wash now then to watch jeremy kyle.ta-rah

 

 

Oh sweetie is this seriously all you have to do with your time....please, please go and get a life!

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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