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    • Post #415 you said you were unable to sell it yourself. Earlier I believe you said there had been expressions of interest, but only if the buyer could acquire the freehold title. I wonder if the situation with the existing freeholders is such that the property is really unattractive, in ways possibly not obvious to someone who also has an interest in and acts for the freeholders.
    • i dont think the reason why the defendant lost the case means anything at all in that case. it was a classic judge lottery example.
    • Hello, I will try to outline everything clearly. I am a British citizen and I live in Luxembourg (I think this may be relevant for potential claims). I hired a car from Heathrow in March for a 3-day visit to family in the UK. I was "upgraded" to an EV (Polestar 2). I had a 250-mile journey to my family's address. Upon attempting to charge the vehicle, there was a red error message on the dashboard, saying "Charging error". I attempted to charge at roughly 10 different locations and got the same error message. Sometimes there was also an error message on the charging station screen. The Hertz 0800 assistance/breakdown number provided on the set of keys did not work with non-UK mobiles. I googled and found a bunch of other numbers, none of which were normal geographical ones, and none of which worked from my Luxembourg mobile. It was getting late and I was very short on charge. Also, there was no USB socket in the car, so my phone ran out of battery, so I was unable to look for further help online. It became clear that I would not reach my destination (rural Devon), so I had no choice but to find a roadside hotel in Exeter and then go to the nearest Hertz branch the following day on my remaining 10 miles of charge. Of course, as soon as the Hertz employee in Exeter plugged it into their own charger, the charging worked immediately. I have driven EVs before, I know how to charge them, and it definitely did not work at about 10 different chargers between London and Exeter. I took photos on each occasion. Luckily they had another vehicle available and transferred me onto it. It was an identical Polestar 2 to the original car. 2 minutes down the road, to test it, I went to a charger and it worked immediately. I also charged with zero issues at 2 other chargers before returning the vehicle. I think this shows that it was a charging fault with the first car and not my inability to do it properly. I wrote to Hertz, sending the hotel, dinner, breakfast and hotel parking receipt and asking for a refund of these expenses caused by the charging failure in the original car. They replied saying they "could not issue a refund" and they issued me with a voucher for 50 US dollars to use within the next year. Obviously I have no real proof that the charging didn't work. My guess is they will say that the photos don't prove that I was charging correctly, just that it shows an error message and a picture of a charger plugged into a car, without being able to see the detail. Could you advise whether I have a case to go further? I am not after a refund or compensation, I just want my £200 back that I had to spend on expenses. I think I have two possibilities (or maybe one - see below). It looks like the UK is still part of the European Consumer Centre scheme:  File a complaint with ECC Luxembourg | ECC-Net digital forms ECCWEBFORMS.EU   Would this be a good point to start from? Alternatively, the gov.uk money claims service. But the big caveat is you need a "postal address in the UK". In practice, do I have to have my primary residence in the UK, or can I use e.g. a family member's address, presumably just as an address for service, where they can forward me any relevant mail? Do they check that the claimant genuinely lives in the UK? "Postal address" is not the same as "Residence" - anyone can get a postal address in the UK without living there. But I don't want to cheat the system or have a claim denied because of it. TIA for any help!  
    • Sars request sent on 16th March and also sent a complaint separately to Studio. Have received no response. Both letters were received and signed for.  I was also told by the financial ombudsman that studio were investigating but I've also had no response to that either.  The only thing Studio have sent me is a default notice.  Any ideas of what I can do from here please 
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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.

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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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Hi Can any one help with information. We took out a secured loan with welcome finance ( bad idea ) we had our house repossessed last year as work got very bad. The house is up for sale but when it is sold there will not be enough to pay welcome off. I have been told this loan will become a personal loan. What I want to know is can I stop paying welcome untill the house is sold. We are paying a reduced amount to them at the moment but finding it very hard. They keep hasstling us for more money.

 

Any information will help.

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I will try and find some help for you..

 

Do you know who the personal loan (for the shortfall) will be with, because it is my understanding that Welcome have gone into administration.

 

Couple of questions..

 

Was there any PPI (Payment protection insurance) on the original Welcome loan or any charges for missing payments etc ?

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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Hi Thanks for your reply.

When they ring me they say they are Welcome Finance.

Im not sure about PPI but I know they have put charges on for none and late payments.

The woman was shouting at me on Friday and demanding payment.

 

Thanks for your help.

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Do you have a copy of the agreement? Do you know if you were charge a Mortgage Indemnity Fee (MIF)?

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!

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The MIF is a charge that Welcome add to most of their secured loans, depending on when you took the loan. They say the fee is paid by you and in exchange for paying the fee they wont pursue you for any shortfalls in the event they have to possess.

 

Who started possession proceedings? Was it Welcome or your first charge mortgage lender?

 

You can get a copy of the agreement by writing to Welcome and asking for it. There is a template letter in the library that you can use. You need to send a postal order in the amount of one pound. The link for the template is here:

http://www.consumeractiongroup.co.uk/forum/content.php?414-CCA-request-letter

Getting a copy of your agreement and full statements is essential.

 

Secondly, you are under no obligation to speak to them on the phone. In fact you shouldnt speak to them on the phone. If anything is said you have no record or evidence of it. And they use the phone to intimidate and harass you. What they say on the phone they would never put in writing. I suggest sending the template letter found here:

http://www.consumeractiongroup.co.uk/forum/content.php?493-Harassment-by-telephone-response-letter

 

Ammend the letters as needed for your situation. Send them recorded delivery. In the meantime, if they ring you, refuse to answer their security questions. Tell them to put their concerns in writing. Make notes of the date, time, and person you speak to.

 

Once you have these things done you will have a bit of space to breathe. We can then look at the problem of shortfall payments etc.

Edited by MrZ

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!

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mif should not be charged on a pers loan

 

its a loan not a mortgage

 

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... 

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Do I have to send the letter to their head office as the branch we were dealing with has closed. Im not sure who or where they are who is contacting me.

Also it is the first charge that started proceedings.

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mif should not be charged on a pers loan

 

its a loan not a mortgage

 

dx

 

Should not are the key words here. I agree it should not be charged, but that hasnt stopped Welcome for charging it. The reason I ask if the OP had been charged is because Welcome are chasing for shorfall payments. If the MIF is supposed to protect the borrower against the shortfall, then Welcome will have to explain why they are chasing. This assumes of course the MIF was charged. At the moment we dont know if it was or wasnt.

Edited by MrZ
Spellcheck

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!

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Do I have to send the letter to their head office as the branch we were dealing with has closed. Im not sure who or where they are who is contacting me.

Also it is the first charge that started proceedings.

 

 

Send your letters here:

WELCOME FINANCIAL SERVICES LTD

MERE WAYRUDDINGTON FIELDS BUSINESS PARK

RUDDINGTON

NOTTINGHAM

NG11 6NZ

Your account will have been moved to a different branch for collection. They probably haven't gotten around to notifying you yet. My account was moved 3 times in 2 months. Only one of them actually notified me, the other moves I found out about on my own investigation.

Edited by MrZ
Spellcheck

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!

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  • 2 weeks later...
Should not are the key words here. I agree it should not be charged, but that hasnt stopped Welcome for charging it. The reason I ask if the OP had been charged is because Welcome are chasing for shorfall payments. If the MIF is supposed to protect the borrower against the shortfall, then Welcome will have to explain why they are chasing. This assumes of course the MIF was charged. At the moment we dont know if it was or wasnt.

 

 

 

I have today received a letter from Welcome Finance with an agreement. They say our statement of account will arrive separatley.

 

I have looked at the agreement and it says NIL for Mortgage Indemnity Fee

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I have today received a letter from Welcome Finance with an agreement. They say our statement of account will arrive separatley.

 

I have looked at the agreement and it says NIL for Mortgage Indemnity Fee

 

The statement arrived today.

 

The original loan was for £21,631.15

We have paid £8,575.06

 

We still owe £22538.09

 

MORE THAN WE BORROWED !!!!!

 

I would like to know if any one knows if we can stop paying this UNTIL the house is sold then get it transfered as a personal loan.

 

The property has been reposessed by the mortgage company. There will be a shortfall when the house is sold, so will it become a personal loan

Please help !!!

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can you post up the agreement minus personal details

 

deleate personal details but leave in the figures

 

scan into your pc and google photobucket to post

 

do you have a document called a statement of price

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Thanks for the link. Wht will this do for me by sending this.

Thanks again.

 

It is a Subject Access request specifically designed for Welcome accounts. It should provide you with information that you will be able to use .

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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Hello Grumbleweeds. As you can see from the detail of the other letter (Subject Access Request) it is asking for a lot more than just a "statement". It is meant to push and probe into the very depths of all the information and data Welcome have relating to their relationship with you, and to hopefully get them to reveal their wrongdoings (to your obvious advantage).

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