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    • Thank you to you all, you guys are amazing!! Yes of course i will be making a donation, i am very grateful to you all. Keep up the good work
    • I'm not quite out of the woods yet. The email they sent me also said that I have £290 of arrears and it has been passed onto their collections department. If anything my account should be £10 in credit.  They haven't taken into account the trainers that were returned back in October. The other items have been credited to my account so it looks like I've still got work to do.  They are not very quick to reply to emails, although I've only sent one trying to find more information, and I have no idea what happens next. Half of me want's to get it sorted properly the other half just wants it over with, if that means a default then so be it. 
    • No. It's a public (council maintained) road with some houses in it.   Some other houses back onto it too and those owners have right of way down the road to access the back of their properties.  Theres a few garages with private osp - so one drives out the garage, over the osp, and onto the public side road and then out on to the public main road.  Irrespective of whether the garages are used - the local businesses parking their cars on the private osp are ostensibly preventing cars from accessing the public roads.
    • is the side street solely for access to your garages? who owns the land and thus the road? dx  
    • A local business has been parking on an off-street parking space in front of my garages (in a side street).  I wasn't using them for a while so didnt bother to do anything.  But now a second local business is also using the osp - taking it in turns with the 1st biz.  This has started to nark me.    The employees choose to drive to work.  There is no private parking in their business's street.  But there are some underground secure garages in their street - which cost apx £2.4k/y to rent - which works out apx £6.60/d. (I believe one of the biz owners already rent one for storage purposes).  If the employee had to park on a meter it would cost them £6.60/h - £66 for 10h and have to move every 4h.  They just don't want to pay for parking. I haven't confronted either of them.  Instead I just put 2 clear "no parking" signs in front of the garages. And a note on one of the cars specifically saying that as they don't live or rent in the street and it's private land could they stop parking.   They ignored that.  And just put notes on their dash with a # to call if one needs the car moved.  There is a sign and they've been told in writing to stop parking. And they are just ignoring it.    I don't what a confrontation.    I don't want to go to the expense of bollards (other than maybe traffic plastic ones - but they'll probs just move them).  Council won't do zilch cos it's private land. And police won't get involved - unless I clamp/ tow the cars and then they'd be after me, not the drivers!    What's the best thing to do?
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      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.

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welcome finance SAR recieved


fitz125
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Hello i have recieved my SARS from welcome today and i'm wondering what to to now?

 

I have 3, yes 3 active loans and 2 settled ones.

I recieved all the SARS this morning and clearly there has been copying and pasting going on :mad2:

It has taken me hours to sort everything out. I cannot believe the ammount of insurance i have been charged and the intrest thats going on it.

 

So in short i want to take it further, so do i go to one of those companies that do everything for you or do i try and do it myself??? Please help with this nightmare!!!!

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Hi fitz

 

Heres a complete guide to claiming back PPI, remember to claim back the contratual interest on the PPI, confirm that it's been mis-sold, if it has been get all the ppi on a spreadsheet to work out your claim. Spreadsheets can be found in the library :-

 

http://www.moneysavingexpert.com/reclaim/ppi-loan-insurance

 

http://www.consumeractiongroup.co.uk/forum/content.php?559-Interest-Calculation-Spreadsheets. you need the advanced interest spreadsheet.

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Hi thanks for your help. This is a real nightmare and i don't know where to start. I have even just found out as well as ppi on all my loans i have a £ 2000 brokers fee which they are adding interest on as well, Along with acceptance charges on my other ones which are also having interest added on.

 

Do you know if i can claim back all these fees also?

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Re the brokers fees. We signed the paperwork at home for a secured loan and knew nothing about it or the ppi, apparently the brokers fee is 10% which is 2 grand and the ppi is nearly 4 grand. We thought we borrowed 20 grand but in fact it is nearly 26 grand they are saying we borrowed. Plus they have put the payments up without informing us. This is just a total nightmare and i wish i'd never heard of them .

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Still going through all this paper work, Was just wondering if they should have sent me details of who the insurance is with?

Also can i claim back all the charges they have added to my accounts??

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Re the broker fee, was this disclosed to you when you signed the agreement, i.e the full amount charged placed on the agreement. The reason I asked I was in a similar position regarding a hidden broker fees on an HP agreement. I think there is strict guidelines and 'a broker fee may be charged' is not good enough. Postggj is the one to ask he loves Un-Welcome and all their hidden fees.

 

JJ

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Hi all Just seriously getting stuck into all of this, I've just noticed i have acceptance fees that have been charged and they are taking a monthly payment for the acceptance fee which is included in my monthly payment, Which inturn means they are actually charging me interest on the fees.

 

Am i allowed to claim the fees back as well as any interest incurred??

 

Thanks in advance.

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Sorry to be a pain but i really don't have a clue what i'm doing.

Do i use the advanced speardsheet for banks to work out the ppi and intrest??

Also can i add the fees and intrest from the fees on the same sheet??

Many thanks

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