Jump to content


  • Tweets

  • Posts

    • Hi Just to be clear a Notice to Quit is only the very start of the Housing Association going down the Eviction route there is a long process to go. Also to be clear if you leave at the Notice to Quit date only and go to the Council claiming you are Homeless they will more than likely class you as Intentionally Homeless therefore you have no right to be given temporary housing by the Council. The only way that works is when the Court has Granted a Possession Order then you can approach the Council as Homeless with the Court Order. As for the Housing Association issuing the Notice to Quit because there investigation has proved it's not your main residence but you have witness statement to prove otherwise. From now on with the Housing Association you need to keep a very good paper trail and ensure to get free proof of posting from the post office with anything you send to them. You now need to make a Formal Complaint to the Housing Association and please amend the following to suit your needs:   Dear Sir/Madam FORMAL COMPLAINT Reference: Notice to Quit Letter Dated XX/XX/2024, Hand Delivered on XX/XX/2024 I note in your letter that you stated that the Housing Association has carried out an investigation into myself and came to the conclusion that I am not using this property as my main residence and have evidence of this and have therefore issued a 'Notice to Quit' by XX/XX/2024. I find the above actions absolutely disgraceful action by the Housing Association. 1. Why have I never been informed nor asked about this matter by my Housing Officer. 2. Why have I never been given the opportunity to defend myself before the Housing Association out of the blue Hand Delivered a Notice to Quit Letter. 3. I have evidence and witnesses/statements that prove this is my Main Residence and more than willing provide this to both the Housing Association and the Court. I now require the following: 1. Copy of your Complaints Policy (not the leaflet) 2. Copy of your Customer Care Charter (not the leaflet) 3. Copies of your Investigation into this not being my main residence.    As well as the above you need to send the Housing Association urgently a Subject Access Request (SAR) requesting 'ALL DATA' that simple phrase covers whatever format they hold that in whether it be letters, email, recorded calls etc. The Housing Association then has 30 calendar days to respond but that time limit only starts once they acknowledge your SAR Request. If they fail to respond within that time limit its then off with a complaint to the Information Commissioners Office (ICO).     
    • Hi Sorry for the delay in getting back to you The email excuse and I do say excuse to add to your account and if court decide LL can't recoup costs will be removed is a joke. So I would Ask them: Ask them to provide you with the exact terms within your Tenancy Agreement that allows them to add these Court Fees to your Account before it has been decided in Court by a Judge. Until the above is answered you require these Court Fees to be removed from your Account (Note: I will all be down to your Tenancy Agreement so have a good look through it to see what if any fees they can add to your account in these circumstances)
    • Thank you for your responses. As requested, some more detail. Please forgive, I'm writing this on my phone which always makes for less than perfect grammar. My Dad tries but English not his 1st language, i'm born and bred in England, a qualified accountant and i often help him with his admin. On this occasion I helped my dad put in his renewal driving licence application around 6 weeks before expiry and with it the disclosure of his sleep apnoea. Once the licence expired I told him to get in touch with his GP, because the DVLA were offering only radio silence at that time (excuses of backlogs When I called to chase up). The GP charged £30 for an opinion letter on his ability to drive based on his medical history- at the time I didn't take a copy of the letter, but I am hoping this will be key evidence that we can rely on as to why s88 applies because in the GP opinion they saw no reason he couldn't drive i need to see the letter again as im going only on memory- we forwarded the letter in a chase up / complaint to the DVLA.  In December, everything went quiet RE the sleep apnoea (i presume his GP had given assurance) but the DVLA noticed there had been a 2nd medical issue in the past, when my father suffered a one off mini stroke 3 years prior. That condition had long been resolved via an operation (on his brain of all places, it was a scary time, but he came through unscathed) and he's never had an issue since. We were able to respond to that query very promptly (within the 14 days) and the next communication was the licence being granted 2 months later. DVLA have been very slow in responding every step of the way.  I realise by not disclosing the mini stroke at the time, and again on renewal (had I known I'd have encouraged it) he was potentially committing an offence, however that is not relevant to the current charge being levied, which is that he was unable to rely on s88 because of a current medical issue (not one that had been resolved). I could be wrong, I'm not a legal expert! The letter is a summons I believe because its a speeding offence (59 in a temp roadworks 50 limit on the A1, ironically whist driving up to visit me). We pleaded guilty to the speeding but not guilty to the s87.  DVLA always confirmed to me on the phone that the licence had not been revoked and that he "May" be able to continue to drive. They also confirmed in writing, but the letter explains the DVLA offer no opinion on the matter and that its up to the driver to seek legal advice. I'll take the advice to contact DVLA medical group. I'm going to contact the GP to make sure they received the SAR request for data, and make it clear we need to see a copy of the opinion letter. In terms of whether to continue to fight this, or to continue with the defence, do we have any idea of the potential consequences of either option? Thanks all
    • stopping payments until a DN arrives does not equal automatic sale to a DCA...if you resume payments after the DN.  
    • Sleep apnoea: used to require the condition  to be “completely” controlled Sometime before June 2013 DVLA changed it to "adequately" controlled. I have to disagree with MitM regarding the effect of informing DVLA and S.88 A diagnosis of sleep apnoea doesn't mean a licence wont be granted, and, indeed, here it was. If the father sought medical advice (did he?) : this is precisely where S.88 applies https://assets.publishing.service.gov.uk/media/64edcf3a13ae1500116e2f5d/inf1886-can-i-drive-while-my-application-is-with-dvla.pdf p.4 for “new medical condition” It is shakier ground if the opinion of a healthcare professional wasn’t sought. in that case it is on the driver to state they believed they met the medical standard to drive. However, the fact the licence was then later granted can be used to be persuasive that the driver’s belief they met the standard was correct. What was the other condition? And, just to confirm, at no point did DVLA say the licence was revoked / application refused? I’d be asking DVLA Drivers’ Medical Group why they believe S.88 doesn’t apply. S.88 only applies for the UK, incidentally. If your licence has expired and you meet the conditions for S.88 you can drive in the U.K., but not outside the U.K. 
  • Recommended Topics

  • Our picks

    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • 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
      • 161 replies
    • 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
        • Like
  • Recommended Topics

Welcome Finance Problem


caspergav
style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 5053 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

Hi heres my situation which i need a little help with if possible :) thanks

 

I got a car from welcome car finance,i was self employed,i told them this and they said its ok (later found out it wasnt) they let me drive away with no tax or insurance (again they said it was ok untill i got home) 60 miles away. the car was not right from first day, things were going wrong with clutch,breaks and engine.

 

Anyway moving on :) i strugged with payments and asked them to come take it away and they refused,sent it in writing aswell,ignored! i missed payments deliberatly so they would come take it away,they did say they would come get it but never showed. now getting letters from lewis debt recovery saying they want £9500 but last week would accept £4000,i done a cca request to lewis with a £1 postal order but they replied with "we cant supply u with it as we dont have it" and said i had to contact welcome, but i thought they didnt have the debt no longer,am i wrong?

 

Also on my credit agreement it says the debt is settled but underneath it there is a new agreement which i didnt know about saying defaulted,also says i made payments which i never,my credit report couldnt be more wrong with them. i really dont know what to do :( my email addy is (EDIT) if someone can help me :) thank-you

 

Gavin

Edited by ukaviator
Email address removed
Link to post
Share on other sites

Hi heres my situation which i need a little help with if possible :) thanks

 

I got a car from welcome car finance,i was self employed,i told them this and they said its ok (later found out it wasnt) they let me drive away with no tax or insurance (again they said it was ok untill i got home) 60 miles away. the car was not right from first day, things were going wrong with clutch,breaks and engine.

 

Anyway moving on :) i strugged with payments and asked them to come take it away and they refused,sent it in writing aswell,ignored! i missed payments deliberatly so they would come take it away,they did say they would come get it but never showed. now getting letters from lewis debt recovery saying they want £9500 but last week would accept £4000,i done a cca request to lewis with a £1 postal order but they replied with "we cant supply u with it as we dont have it" and said i had to contact welcome, but i thought they didnt have the debt no longer,am i wrong?

 

Also on my credit agreement it says the debt is settled but underneath it there is a new agreement which i didnt know about saying defaulted,also says i made payments which i never,my credit report couldnt be more wrong with them. i really dont know what to do :( my email addy is (EDIT) if someone can help me :) thank-you

 

Gavin

 

you need to start your own thread also remove your email ad

 

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... 

Link to post
Share on other sites

it has been done for you by the site team

 

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... 

Link to post
Share on other sites

it appears you have been the victim of the typical fleecing activities of welcome.

certainly donrt pay a penny to lewis,

 

have you got the agreements or do you need to cca welcome for them yet?

 

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... 

Link to post
Share on other sites

nope i dont have the agreement,i asked lewis for it as they have the debt now but they told me i had to write to welcome for it,i thought lewis had it cos they had bought the debt,welcome have gone bust and dont know who to write to now.

Link to post
Share on other sites

casper, write to Welcome, they have not yet gone bust and will give the info you need, Lewis group are part of the same company so they could access the info but they are making things difficult.

 

Get your cca from:

 

The Compliance Department

Welcome Finance

Mere Way

Ruddington Fields Business Park

Ruddington

Nottingham

NG11 6NZ

Edited by Major Player
spelling
Link to post
Share on other sites

Hello and welcome :)

I'd recommend sending them this for the CCA cos then they can't get away with sending you some reconstitued, unsigned nonsense and there is no fee to send so they can't say they haven't received the fee ;)

 

Still send recorded delivery though :)

 

Welcome Financial Services Ltd

Compliance Department

Mere Way

Ruddington

Nottingham

NG11 6NZ

 

 

Dear Sirs

 

Account number:

 

I write with regards to the above account with your organisation.

 

I respectfully request that you provide me by return a copy of the credit agreement which bears my signaturelink3.giflink3.gif. I require this as I have reason to believe that there may be discrepancies within the agreement which may leave it improperly executed. Additionally I require the underwriting sheet or other document showing any commissions paid to you by the broker or by you to the broker.

 

Obviously if the agreement is improperly executed I would be entitled to ask the court to consider the agreement and make a declaration of the rights of parties to the agreement.

 

I must stress this request is NOT made pursuant to section 78 Consumer Credit Act 1974 but is made pursuant to the Civil Procedurelink3.giflink3.gif Rules ( Pre action protocols and Part 31.16) and therefore unsigned copy will not suffice, only a copy of the original contract in its unaltered form will suffice in these circumstances.

 

Please confirm if you still hold a copy of my signed agreement and that you will provide me with this document.

 

I do not view this as an unreasonable request given that by supplying the document which I have asked for it will allow me to assess if my case has merit and will help to resolve matters possibly without the need to involve the court and will undoubtedly save costs on both sides.

 

I look forward to your reply and would ask for a response by 4pm on XXXX Date ( Give 21 days to respond)

 

Regards

 

 

 

Amend to suit :-)

Link to post
Share on other sites

Hello again wannabedebtfree,just an update on my situation,i recieved a letter back from welcome today,the letter is as follows:

 

Subject access request-account xxxx163,xxxx503 (they have 2 accounts) because i cancelled first ppi and they made a new one which i never seen)

 

Thank you for your letter received 16 June 2010 requesting information held by welcome financial services ltd.

 

In order for us to carry out your request please can u issue the relevant fee:

 

1) £1.00 will entitle you toa statement of account and loan agreement under the consumer credit act.

 

2) £10.00 for a full Data Protection request, where we provide all information held by welcome financial services ltd.

 

Cheques should be made payable to welcome financial sevices ltd.

 

PLease note that we cannot process your request until we have received the relevant fee.

 

Yours sincerely

 

Adam Newstead

Customer Complaints Department

Link to post
Share on other sites

do not send them a cheque for that fee whether it is for the £1 or £10 as they are well known for copying and pasting your signature off letters and cheques. In any letter you do send them only print your name do not use your signature and put a line through it also. When i requested my CCA and SAR from them I used postal orders

Link to post
Share on other sites

Hello again wannabedebtfree,just an update on my situation,i recieved a letter back from welcome today,the letter is as follows:

 

Subject access request-account xxxx163,xxxx503 (they have 2 accounts) because i cancelled first ppi and they made a new one which i never seen)

 

Thank you for your letter received 16 June 2010 requesting information held by welcome financial services ltd.

 

In order for us to carry out your request please can u issue the relevant fee:

 

1) £1.00 will entitle you toa statement of account and loan agreement under the consumer credit act.

 

2) £10.00 for a full Data Protection request, where we provide all information held by welcome financial services ltd.

 

Cheques should be made payable to welcome financial sevices ltd.

 

PLease note that we cannot process your request until we have received the relevant fee.

 

Yours sincerely

 

Adam Newstead

Customer Complaints Department

You know what?? I am getting absolutely sick and tired of these thickheads and their ignorance!!! :evil:

 

Does their stupidity extend to such lengths that they can't even read a letter without screwing up??? :evil:

 

What part of "I must stress this request is NOT made pursuant to section 78 Consumer Credit Act 1974 but is made pursuant to the Civil Procedurelink3.giflink3.gif Rules ( Pre action protocols and Part 31.16)" did they not understand???

 

Sorry, I just get so mad with their rubbishy stalling tactics and patronising bullcrap :mad:

 

You are apparently not the first person to get this exact same reply letter today!! I'll copy what I said on the other thread :)

 

I would say that you have 2 options really; you can either write back to them and say that your request for info was made under CPR 31.16 whereby you are permitted to request documents for inspection before starting proceedings and therefore no fee is payable.

A fee is only payable if it was a request pursuant to the Consumer Credit Act 1974.

 

It's true they absolutely don't have to give the agreement just by you writing and asking for it under CPR 31.16, but it seems fair that you give them the opportunity to voluntarily hand it over before going in all guns blazing with an order for disclosure from the court.

 

Or the second option would be to send the follow up letter which says, "I still haven't received the copy I asked for and if you don't give it I'll just have to apply for it via an N244link3.gif from court."

 

Have you had chance to look through this thread, it's really useful?? :-)

why you shouldnt use section 77/78 CCA 1974 if you want the signed agreement

Link to post
Share on other sites

yeh i had a wee look through the thread :) thank-you :) there was some interesting things in it :) i will do the first option :) so that i have a build up of wee letters for the court :) but i could however put the 2 options together saying...

 

and say that your request for info was made under CPR 31.16 whereby you are permitted to request documents for inspection before starting proceedings and therefore no fee is payable.

A fee is only payable if it was a request pursuant to the Consumer Credit Act 1974. If you dont give it i will just have to apply for it via an N244 from court :)

 

PS thank-you so much for your help,your amazing :)

Link to post
Share on other sites

  • 1 month later...

Hello wannabedebtfreesoon :) hows things :) i sent that letter away :) again and guess what lol,,i got the exact same reply back except this one was from a different person :) should i just send the same letter again and just keep building up letters to take to court :) thank-you

Link to post
Share on other sites

Hello wannabedebtfreesoon :) hows things :) i sent that letter away :) again and guess what lol,,i got the exact same reply back except this one was from a different person :) should i just send the same letter again and just keep building up letters to take to court :) thank-you

Hello Caspergav, things are really good thanks :D

 

The utter stupidity and ignorance of these lot never fails to astound!

 

Well it's entirely up to you what you would like to do next, you can send the same letter again or send one that says something like:

"I regret to note that you have failed to supply me with the document I requested pursuant to my CPR 31.16 request dated XXXX, should you not forward the aforementioned document to me by XXXXX(7 more days), I will be left with no option but to make an application to the court to enforce your compliance." :p

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...