Jump to content


  • Tweets

  • Posts

    • Essex trading standards department have now given me a reference and are investigating this man/companies.
    • Good question. Rayner's CGT pales into insignificance really, doesn't it? 
    • Hi everyone,  out of the blue my husband yesterday received a call from the employee who lost the key the first time and asked to settle the bill plus court costs. Apparently the boss said that if he didn't pay he would be sacked. My husband asked for this in writing,  got it and payment followed. So we discontinued the claim and marked as settled. Apparently the employee who lost the keys the second time is paying for the other carpenter's bill plus court fees because he'd started court proceedings as well. So, all is solved. Thanks everyone!
    • With thanks. Updated defence.  The Defendant contends that the particulars of claim are vague and generic in nature. The Defendant accordingly sets out its case below and relies on CPR r 16.5 (3) in relation to any particular allegation to which a specific response has not been made. 1. Paragraph 1 is noted. I have in the past had financial dealings with Halifax PLC part of the Lloyds Group of Companies but do not recognise the specific account number referred to by Claimant and on which its claim relies. To enable clarification a sec78 request pursuant to the CCA1974 was made dated 11 May 2024. The Claimant provided various documents which appear to be incomplete with page numbers missing and incomplete Terms and Conditions. If this is a copy of the original agreement it appears to be unexecuted by the original creditor. 2. Paragraph 2 is noted. I do not recall receipt of a Default Notice which the Claimant refers to within its Particulars of Claim and on which its claim relies. A CPR 31.14 request was made dated 11 May 2024. To date the Claimant has not provided a copy. 3. Paragraph 3 is noted. Although I had not recalled a copy of the Notice of Assignment pursuant to the Law and Property Act 1925 Section 136(1) I requested a further copy from the claimant which has since been provided in response to the CPR 31.14 request dated 11 May 2024. 4. Paragraph 4 is noted. It is denied with regards to the Defendant owing any monies to the Claimant, and the Claimant is put to strict proof to: (a) Show how the Defendant has entered into an agreement. (b) Show the nature of the breach and evidence by way of a Default Notice Pursuant to s.87(1) of the Consumer Credit Act 1974. 5. As per Civil Procedure 16.5 it is expected that the Claimant prove the allegation that the money is owed. 6. By reason of the facts and matters set out above, it is denied that the Claimant is entitled to the relief claimed, or any relief.
    • "Testing the stability" ? I suspect the Tesla Map would have picked up that the car was being driven in a car park and the default safety settings required a shut down. Reassuring that Tesla have public safety built in, to try to stop drivers driving in a way that may be risky.
  • 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 unknown CCJ from 2007, now a charging order from Cohens


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

Thread Locked

because no one has posted on it for the last 3887 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

  • Replies 120
  • Created
  • Last Reply

Top Posters In This Topic

Top Posters In This Topic

I am currently under an ongoing battle with Welcome finance and their solicitors (Howard & Cohen) They have a ccj against me but it was done and I had no idea until at least a year after it was done. I have been trying to get information from welcome and their solicitors since late 2009, the solicitors recently called me to say they were getting a charging order on my house, they haven't sent this in writing. How do I find out if they are actually doing this, will i get some paperwork from the court/sols etc? thanks in advance

 

Welcome Finance have recentley had a warning from the OFT for their use of charging orders.

 

Complain to the OFT - and tell Welcome that you will defend any attempt toget a CO - and that you are reporting them to the OFT.

 

Yes they do have to tell you - you would receive paperwork from the courts and have right to challenge it.

 

When did they get the CCJ against you?

How was you ordered to make payments by the court?

When did you originaly get the loan with welcome.

Link to post
Share on other sites

Marsha - you may have grounds for a set aside of the original judgement if you did not receive paperwork.

 

With it being a welcome account it would probably have been dodgy.

 

Did you have any Insurances such as PPI etc added to the loan?

 

Did you arange finance yourself or was it through a broker?

Link to post
Share on other sites

Marsha - you may have grounds for a set aside of the original judgement if you did not receive paperwork.

 

With it being a welcome account it would probably have been dodgy.

 

Did you have any Insurances such as PPI etc added to the loan?

 

Did you arange finance yourself or was it through a broker?

 

Hi dadofholly

This was a car credit agreement and yes all kinds of insurances were added. I bought it from a car dealer and used Welcome for the finance so didn't physically go to Welcome

Link to post
Share on other sites

Welcome Finance have recentley had a warning from the OFT for their use of charging orders.

 

Complain to the OFT - and tell Welcome that you will defend any attempt toget a CO - and that you are reporting them to the OFT.

 

Yes they do have to tell you - you would receive paperwork from the courts and have right to challenge it.

 

When did they get the CCJ against you?

How was you ordered to make payments by the court?

When did you originaly get the loan with welcome.

 

The ccj was back in 2007, i didnt know it was there so have no idea regarding the payments.

 

I have no paperwork whatsoever, welcome have never sent me details or the payments the court ordered neither have their solicitors.

 

It was a car i got through Welcome car finance back in 2006,

 

it was faulty so i told them to take the car back (had major major problems)

Link to post
Share on other sites

I doubt you was - if it is not stated on any of the paperwork. If you was not told then their could be a case of undeclared commission payments - which does not help their case.

 

Do as BA has suggested regards contacting court etc. You may be able to get original judgement set aside.

 

Would be interesting to see what comes back from Welcome for the SAR.

 

If the car dealer is still in business it would also be worth sending them an SAR - but not the standard one - if they still trade let me know and i will sort out one i used for a broker for you to use.

Link to post
Share on other sites

I have called the court that issued the ccj against me back in 2007 for a copy and they said they haven't got it

and it was sent to keighley court,

 

I then called Keighley court and they say they don't have it and all the information

they have is my name, address and the amount

 

I need a copy of the ccj and I am still waiting for Welcome to send me a copy of everything they have on me

but I would still rather have a copy of the ccj from the court mainly so I know it is a true copy

 

Do you think I should write to the courts regarding this or does anyone else have any other ideas

 

Thanks in advance

Link to post
Share on other sites

Hi,

 

I know you said you phoned and were told they did not have one but the court that issued the CCJ should have a copy, I'd write to them asking for one.

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

Link to post
Share on other sites

Hi,

 

Don't think there's a template, it's not something I know much about, I had a look on other sites but did'nt find much.

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

Link to post
Share on other sites

It would be good to know how you get on, I would doubt Welcome would have a copy.

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

Link to post
Share on other sites

Hi, obviously I know I have to wait to see if Welcome actually reply to me this time.

 

If I do then what next.

 

I seem to have been arguing with Welcome forever and it has really worn me down.

 

I bought a car from a dealer in 2006,

very dangerous so i called welcome and they were more than helpful at that time.

 

Told me they would collect the car and it would all be cancelled etc.

 

They took ages collecting the car and I was always promised paperwork,

 

i wrote to them/ called them etc but nothing.

 

Then I get refused for credit and find a ccj on my credit file for £15k.

 

I have asked Welcome numerous times for a copy of my file they have ignored me

 

they just send me statements every 6 months.

 

I then get solicitors harassing me , saying they will get a charging order on my house etc.

 

I have also wrote to them and asked them to put legal proceedings on hold

whilst their client sends me all information they have on me. I bet they don't

Link to post
Share on other sites

Do you have any paperwork regarding the CCJ.

 

You can find out where and when the CCJ was awarded.

 

Welcome have been pretty sneaky in the past by sending court letters to a previous address so they get the judgement by default.

 

If you can find these details out you could then apply for the CCJ to be set aside.

 

If you manage to get the CCJ set aside then you would be able to defend your self properly.

 

If they haven't responded to your request and you have proof (if you sent recorded) you can then complain to the FOS.

 

Hope you get this sorted

 

JJ

Link to post
Share on other sites

The only reason I found out I had a ccj was because I got a copy of my credit report. Also find it very weird that when Welcome's solicitors contact me they have never ever made reference to the ccj

Link to post
Share on other sites

I spoke to Keighley county court last week regarding Welcome finance's solicitors

telling me they have a final charging order on my property.

 

Keighley county court say that no action has been taken against me in their court.

 

I had a massive clean of the house today and found the letter from the solicitors (Howard Cohen)

dated November last year saying they have got the charging order.

 

I am going to call the court again tomorrow and read them the letter and see what they say.

 

I have never ever received any paperwork from a court regarding a charging order,

 

same way as I never got paperwork for the ccj Welcome got against me in the first place.

 

How can they get away with this?

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...