Jump to content


  • Tweets

  • Posts

    • I'm trying to unravel this – but I get the impression that there was no contract between you and EVRi and that you didn't even choose them but instead you decided use some third party parcel broker in the USA which organised the delivery. Is this correct? EVRi came into the picture because they would then eventually selected for part of the journey although you had no knowledge that it might be them and I suppose it didn't really matter as long as the item got to you. Secondly, I really don't understand the journey which this item made. You bought the item from somebody in the USA. They then were meant to dispatch it to you to another address in the USA but for some reason or other it came to the UK and then into the hands of EVRi at which point it was lost or stolen. More confusion here because you now tell us that EVRi marked it as being out for delivery but it was never delivered. This suggests that it was going to be delivered to a UK address but earlier on you said that it was going to be delivered to USA address. I think you need to look at the story. Maybe show it to a friend of yours who is not particularly where the details and ask them if they can make head or tail of it and then come back to us with clarification so that we fully understand. Also, I think we'd like to know what the item is, how was it declared, what was the value which was declared. You said it was a valuable item because it was rare and collectable. I gather from this that it is non-fungible. We need to understand more about this. Was an insurance policy purchased to cover it during the delivery process. I understand that this rare and collectable item be valued at £200. Have evidence this value. This could become very important. Also you have given is no idea when this happened. We need to understand the full timescale. There are a number of possibilities here including the possibility of the contract action against EVRi on the basis of your third party rights or an action for negligence but we need to know far more and we need to get a story that makes sense.   Finally, I understand that you have sent the letter of claim. What did it say? How much time did you give them? What did you expect to happen as a result of the letter of claim? Whatever the answers to those questions might be, clearly you had no idea how to proceed after having sent such a letter. A letter of claim is meant to be a serious threat of some legal action if some condition which you have stipulated is not complied with. You set a deadline for compliance and at the end of that deadline you issue the court action. Clearly you are not in a position to do that so your letter of claim is a bluff and undermines your credibility and it will find its way into the EVRi wastepaper basket – if it's not there already.  
    • Good morning. I just wanted to check something please. The other side have moved slightly and negotiated a full and final offer price to end this matter. I am happy with this. However, I want to make sure this is the end of the matter and am emailing the following over to them prior to payment. Is this enough to ensure they can come back for nothing else? Thanks -------------------------------------------------- Dear Sir.   With regards your last email below.   I am pleased to agree to the full and final settlement figure given below.   Can you confirm this payment will be in full and final payment with no further claim to be brought against me in this matter?   Best regards
    • 100% sure I didn't receive it, that why my first post is with the £100 letter.
    • Engine, the technology business Starling Bank was built on, has been busy launching banks around the world, from Romania to Australia.View the full article
    • use this your WS and inc this as an exhibit off to bed now 3 nights been up till 4am aurora watching wont be on too early as it's lambing season out herding with the dog. your WS main thrust is the debt would now be SB'd , the DN was filed xxxyrs+months after it should have been thus unlawfully extending  SB date to infinity. highlight their admittance regarding errors at that time period in your 'redetermination'  paragraph. agreements unreadable. would have already been written off due to SLC age write off criteria has they not issued the claim to stop the SB clock when they had no paperwork to prove their case in the 1st place. never earned over threshold. dx       Erudio - stopped sending email deferments won at FOS DRN-4141462.pdf
  • 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 interest


hayley
style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 4414 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

 

I have had three loans with welcome over the years, I recently sent off a SAR as over the years I was not convinced that the settlement figures and everything were correct. Since having all the paperwork back I am still none of the wiser, it is all so confusing. Does anyone know of a company I could send off my paperwork to for it to be checked out?

 

Also, I noticed on the statements that they have charged me interest on the telephone calls and letters they have sent out, can they do this? they also charged me interest on inurances i purchased with them.

 

Any help would be much appreciated.

 

Many thanks

 

Hayley

Link to post
Share on other sites

Hi

All the insurances will be reclaimable, if you feel they were not adequately explained or were inappropriate or where taken out under pressure in order to get the loan.

You really need to post the agreements on here for us to have a look at.

They can charge interest on the insurances if they are included in the total credit figure.

If they are not, any interest charged must make up the total charge for credit along with contractual interest, it is quite a complex procedure.

No they should not be charging you interest on collection costs again need more details.

Peter

Edited by peterbard
Link to post
Share on other sites

Thank you Peter,I will upload all the agreements later, I will be grateful for any help anyone can give. The APR on the statements also dont match up with the actual credit agreements, it is all so confusing I really need some advice. Thanks again.

Link to post
Share on other sites

Thank you Peter,I will upload all the agreements later, I will be grateful for any help anyone can give. The APR on the statements also dont match up with the actual credit agreements, it is all so confusing I really need some advice. Thanks again.

 

HI

 

Yes an incorrectly stated APR can be an indication of the TCC being incorrect.

 

Best have a look

Link to post
Share on other sites

Hi

 

I have attached the three different agreements I am unsure about, if I give you a bit of background it may make more sense.

 

In July 2005 I took out a loan for £3450.00 (£3000 loan, £375 insurances, £75.00 acceptance fee), original loan term was over 36 months, I settled after 22 months after taking out a second loan with Welcome. In the time I had the loan I made actual payments of ££3112.74. The payments were £146.46 per month and the total repayable was £5272.49. The APR on the credit agreement is 38.7% variable but on the statement it is 30%. I am confused as I made payments of £3112.74 plus they took £2292.67 out of the second loan to settle this one which in total is £5405.41 but the total repayable on the credit agreement was only £5272.49 and I settled the loan 14 months early so surely I wouldn't have had to pay all that interest? I also had charges of £135.00 for telephone calls, letters etc.

 

In May 2007 I took out a second loan for £5075.00 over 36 months (£5000 loan, £75.00 acceptance fee) (£2292.67 Paid off previous loan), the total repayable was £8442.35 and the APR on the contract was 44.20% variable but on the statement it states 36%. I made payments of ££2434.50 and was struggling to pay the £232.45 per month. After 17 months into the loan in October 2008 Welcome suggested I take out another loan just to pay off this loan (i.e. I didn't have any money it was just to pay loan off) over 48 months, as it would be cheaper for me so I had no other option and agreed. I also had charges of £170.00 for telephone calls, letters etc.

 

 

In October 2008 welcome gave me another loan just to pay off the previous loan they said the settlement on the previous loan was £5488.44 over 48 months (£5413.44 loan, £75.00 acceptance fee) APR on credit agreement is 13.51% variable but on statements it is 12%. I have paid £144.56 per month since taking it out and never missed a payment so up to date I have paid £4624.99.

 

I don’t know whether the settlement figure is right for the second loan as again the agreement was ended 19 months early so surely I would not have had to pay so much interest?

 

I have not got a clue about credit agreements and interest rates and need to know if everything looks ok, I am only questioning it as I thought the first loan agreement didn’t look right as I have paid them more to settle it than what was on the actual credit agreement, if they are all ok that is fine I will continue to carry on paying my last loan until it is paid off, but would like a second opinion on it all if anyone has the time, I will be extremely grateful.

 

Many thanks

 

Hayley

loan 1.jpg

loan 2.jpg

loan 3.jpg

Link to post
Share on other sites

 

Thanks Peter, will see if I can make any sense of it now.

Link to post
Share on other sites

Hi

 

First thing i would do is send a claimm for you PPI, i cant see your agrements (to small), but we can look at them later.

If you look on Rebel signature earlier in the thread you will see a tutorial on interest and also instructions on claiming PPI.

I will check the various settlement figures and get back to you

 

Perhaps Stephen or one of the other PPI experts will drop in.

 

Peter

Link to post
Share on other sites

Hi

Going off the figures you have provided,

Your first loan should have been for £3375 (the fee should not be included in the Credit.)

22 Payments OF £146.46 = £3222.12?

APR36.8%?

Settlement due after 22 weeks should have been £ 1783. 34

The total mount payable if the loan had run its course is correct at £5272

This is without any adjustments forn miss sold PPI etc .

Have seen many of the earlier Welcome agreements and a great percentage of them are improperly executed, on many occasions they encourage people to re sign new agreement (post 2007) because they realise this. I don’t know yet if this is the case on your agreements but it seems a possibility.

Any way going off this it seems the settlement figured is incorrect unless there were other charges added to the figure.

Best double check when we see the agreement then send a recorded letter querying their calculation

Peter

Edited by peterbard
decimal places
Link to post
Share on other sites

  • 3 weeks later...
Hi

Going off the figures you have provided,

Your first loan should have been for £3375 (the fee should not be included in the Credit.)

22 Payments OF £146.46 = £3222.12?

APR36.8%?

Settlement due after 22 weeks should have been £ 1783. 34

The total mount payable if the loan had run its course is correct at £5272

This is without any adjustments forn miss sold PPI etc .

Have seen many of the earlier Welcome agreements and a great percentage of them are improperly executed, on many occasions they encourage people to re sign new agreement (post 2007) because they realise this. I don’t know yet if this is the case on your agreements but it seems a possibility.

Any way going off this it seems the settlement figured is incorrect unless there were other charges added to the figure.

Best double check when we see the agreement then send a recorded letter querying their calculation

Peter

 

Hi Peter

 

Sorry for the late reply, I have been on holidays for two weeks. How do I upload to credit agreements so you will be able to see them? also, I dont think I can get the ppi back as it wasn't ppi as such it was homecare, medicare and another insurance and I think I may have made a claim through the homecare insurance. Thanks for your time.

 

Hayley

 

Hayley

Link to post
Share on other sites

Hi Peter

 

Sorry for the late reply, I have been on holidays for two weeks. How do I upload to credit agreements so you will be able to see them? also, I dont think I can get the ppi back as it wasn't ppi as such it was homecare, medicare and another insurance and I think I may have made a claim through the homecare insurance. Thanks for your time.

 

Hayley

 

Hayley

 

If you can scan them and save them as pdf, this will be the best way. You can claim insurance back if it was mis-sold even if you made a claim. It may be a bit trickier but not impossible. YOu can claim back unfair charges they placed on your account as well. Aside from the agreements you need to have full statements and record of all payments made.

Please overlook my typos and spelling mistakes, sometimes my fingers arent in sync with my brain :)

I am just a consumer and have no legal training. My posts are opinion only, based on my own limited experience. If in doubt you should seek legal advice from a qualified practitioner.

 

Activ Kapital - Disputed £4,000.00 - 04/04/2011 Settled! WON!

HSBC Current Account - Defaulted for £200.00 Charges. - 19/05/2011 Charges Refunded Default Removed! WON!

HSBC Loan Account - £16,000.00 Unsecured Loan - 05/07/2011 Disputed No Further Contact WON! (for Now)

Barclaycard Account - Disputed account and £1500.00 Charges. - 18/07/2011 Charges Refunded! WON!

London Scottisht - Disputed account and Charges. £25,000.00 - 06/2011 Balance reduced by 95% WON!

Link to post
Share on other sites

If you can scan them and save them as pdf, this will be the best way. You can claim insurance back if it was mis-sold even if you made a claim. It may be a bit trickier but not impossible. YOu can claim back unfair charges they placed on your account as well. Aside from the agreements you need to have full statements and record of all payments made.

 

Thanks Mrz I will try and put them on again, not very good with computers.

 

I do have full statements, I have put all the info off them in previous thread (payments made, charges applied etc) I noticed that they have charged me interest on all the charges aswell not sure if they can do this:???:. My main aim is to just find out whether the settlement figures were correct from the first and second loan really, once I know whether they are correct or not I will focus more on the ppi and charges.

 

Thanks for the info, I will once again try to upload the agreements :-)

Link to post
Share on other sites

Thanks Mrz I will try and put them on again, not very good with computers.

 

I do have full statements, I have put all the info off them in previous thread (payments made, charges applied etc) I noticed that they have charged me interest on all the charges aswell not sure if they can do this:???:. My main aim is to just find out whether the settlement figures were correct from the first and second loan really, once I know whether they are correct or not I will focus more on the ppi and charges.

 

Thanks for the info, I will once again try to upload the agreements :-)

 

Most scanning software will allow you to scan as pdf. Check the software help section for your particular software. If thats not available, you can download a free pdf printer driver. This way you can select print and nstead of printing it to paper, it will make a pdf file. Just google free pdf printer driver.

 

As part of your claim you will be claiming the interest they have charged you as well.

Please overlook my typos and spelling mistakes, sometimes my fingers arent in sync with my brain :)

I am just a consumer and have no legal training. My posts are opinion only, based on my own limited experience. If in doubt you should seek legal advice from a qualified practitioner.

 

Activ Kapital - Disputed £4,000.00 - 04/04/2011 Settled! WON!

HSBC Current Account - Defaulted for £200.00 Charges. - 19/05/2011 Charges Refunded Default Removed! WON!

HSBC Loan Account - £16,000.00 Unsecured Loan - 05/07/2011 Disputed No Further Contact WON! (for Now)

Barclaycard Account - Disputed account and £1500.00 Charges. - 18/07/2011 Charges Refunded! WON!

London Scottisht - Disputed account and Charges. £25,000.00 - 06/2011 Balance reduced by 95% WON!

Link to post
Share on other sites

  • 2 weeks later...

Hi Hayley

 

Only just noticed this thread.

 

I'll have a look at the figures for you this evening and post back later when I have considered it and done some spreadsheet work on your case.

 

Hope thats ok

 

ims

 

Link to post
Share on other sites

Hi Hayley

 

Only just noticed this thread.

 

I'll have a look at the figures for you this evening and post back later when I have considered it and done some spreadsheet work on your case.

 

Hope thats ok

 

ims

 

Thank you so much, I really appreciate it :-)

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...