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    • Several organisations are concerned about exploding messages and lack of transparency. I suspect it hasn't been by accident, this isn't how government business should be done. If the people involved were in the private sector, they'd likely be in trouble.   I've also read that when news of Sue Gray's enquiry came out, there was an order from on high to delete anything to do with parties from mobile phones. You'd hope the Met would be looking at that, also that they can retrieve deleted messages from the server or wherever.
    • In parallel, there needs to be a proper accounting for all the 'government business' carried out on these private phones, and all parties (sic) involved banned from public office, all agreements vetted by cross party commissions, and all funds involved clawed back immediately and held until the results of the commissions clear them .. or not, with all legitimate interactions properly logged into government systems.   In parallel with that there needs to be further investigation into any criminality occurring via those mechanisms, with proper justification for actions checked - not simple lack of evidence for criminality as an unlawful/unofficial mechanism was used and destroyed   Then perverting the course of justice and some sort of abuse of position charges for all as a minimum.   Johnsons 'guvernment running via 'dark web' and related mechanisms used by perverts and criminals to evade justice has to be stopped and punished
    • Thank you again, Bazza. That was the problem I was having yesterday,  no figures beyond July last year. I thought there might be some more recent ones that I'd missed.   Here's more on the ONS statement, from Full Fact.   Dan Wootton and David Davis make incorrect claims about Covid-19 deaths - Full Fact FULLFACT.ORG Data from the ONS shows that to the end of September 2021, 17,371 people died in England and Wales of Covid and had no pre-existing conditions.  
    • That still leaves the parties the Met isn't investigating though and the drinking culture in no10 though, doesn't it?   If they're not careful though, there will be accusations of no10 kicking the can down the road and possibly trying to influence the investigations.
    • Hi there. an update for you   1) independent surveyor report was sent to builder on 13 Dec.   2) builder only responded yesterday. They dispute the majority of the issues identified. Claiming for example: that we have influenced the expert witness surveyor, that we have caused some of the issues by undoing work, that that the surveyor is wrong,    3) through trading standards we gave them the month of nov to finish plus put things (known) right, at no point did they say a month was unreasonable, they were onsite for less than 10 days of nov,  early nov building control initially visited and highlighted issues, they claim building control have now signed off their work at the end of nov   4) building control visited last week at my request, there are still issues with their work, it has not been signed off and never was at the end of nov    4) builder now says there they didn’t have time to put known things right in nov (they are always contradicting themselves) and that they should be allowed to return to site  to fix these ‘minor snags’, the majority are not minor snags, they are building regulation contraventions    5) we have quotes from 3rd parties to do the work. We do not want the original builders back because:    a)quality of their workmanship has been called into question by ourselves, building control and a 3rd party surveyor    b) lack of trust in what they tell us - for example they’ve deviated from the plan, used different materials, refused to fix items saying nothing wrong and it’s how they always do it, refused to give deadlines, knowingly cut corners, have said work is signed off when it isn’t etc    c) their behaviour:  smoking weed on site, urinating next to my garden office, swearing, smoking, leaving the house with doors wide open and unlocked, leaving site unsafe with scaffold boards & materials lying across/over paths at end of day/week, all these things were raised with them verbally & in emails    d) they repeatedly said they hate working for us, they can’t wait to leave, none of them enjoy coming here etc   so, my question is.. do we have to allow them to return or can we say that we want a refund or for them to cover 3rd party costs?    im feeling that they have had enough opportunities to do the right thing and put things right, I’m also feeling that we aren’t being unreasonable by not wanting them back..   they say they can’t understand why we are rushing to get 3rd parties to finish the job and that the job is ‘live ‘ with them.   my feeling is that this job should have been finished in July (at no point have they provided a revised completion date despite us asking numerous times), they were given nov to finish & go, we’ve not heard from them over past 2 months so how could it still be live, and that we’ve spent 2 cold months living in a half finished house which doesn’t have heating completed, is damp & draughty, Ofcourse we want to get it finished asap! Any input would be appreciated, thank you.
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A bit of advice


Apok
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Hi, i'm looking for some advice regarding a debt i have with welcome finance, i'll outline the history of the debt etc below.

 

Initially i took out a loan to sort out a house i was moving into (first place of my own, yes it was rented but was not furnished etc) of £2700, i took this out in order to also consolidate another debt i had at the time (overdraft).

 

Everything was going alright until after the first couple of months payment, i had a problem with my place of work, they didn't pay me on time which meant my bills went out and i got overdraft charges (unauthorised overdraft charges at £25 a time or something similar from hsbc), this left me in a bit of a state for the rest of the month as my wages barely cleared my overdraft + the charges levied on top of me, on top of that hsbc reversed the payment that was due to be made to welcome.

 

it all came to a head the next month as i had problems with being paid late AGAIN which lead to my welcome bill not being paid again, this led to welcome defaulting me, and they had been chasing me for the money ever since.

 

they took me to court in order to get a ccj against me, i won they lost shortly after this they sent collection agents round my house when i wasn't in, i arrived home to find a piece of paper with my personal details, the amount i owed, account number etc stuck to my door.

 

I made a complaint to welcome regarding this back when it happened and heard nothing from them until recently (after movign properties the complaint happened in early 2009).

 

They now claim that i owe them £7,473.

 

I was looking at getting a loan to consolidate some of my other debts.(simply because i would much prefer dealing with one creditor etc)

 

The main advice i'm looking for is what kind of settlement figure should i offer welcome finance regarding this loan (need to know how much i need to pay out so i don't take on more debt than i can afford) or what action i should take regarding this loan.

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I'm not 100% sure, i submitted defence etc online.

 

Just looking through my documents and stuff now to see if i have a copy of information regarding the judgement.

Although i believe it had something to do with the fact they hadn't complied with my cca request, they claimed that the timescale i had given ( same as the template from here ) was unreasonable and i had to allow upto 4 weeks to receive the information, the information didn't turn up until well after that.

 

 

one thing i have noticed going through my documents is that a copy of the credit agreement (photocopy) that was submitted to the court by welcome is signed and dated 10/09/07, whereas a copy i have is dated 10/07/07.

 

Also far from happy with the charges they have added to the account (£10 a phonecall) for multiple phonecalls, when i had written to them saying to contact me in writing only..

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would need to know what happened in court, ie the judgment for eg or if it was stayed, discontinued, struck out?. or is there a judgment against?

Edited by Ford

IMO

:-):rant:

 

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looked through every bit of correspondence i have, unfortunately have nothing from the court other than the initial claim form submitted to the county court.

i do have a letter dated after the course case which reads.

 

We have been in contact with the mediation service following the recent court order as the claimant would be interested in pursuing this opportunity for settlement.

 

If you are interested in a mediation taking place please contact the mediation service on (Telephone number).

 

 

 

But other than that nothing im afraid.

 

Edit :- I do have a letter from their solicitors (irwin mitchell) dated mid 2009 offering a reduced settlement of 3660, however that is probably not an option lol.

Edited by Apok
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Right, so i spoke to the court this morning regardign the case.

 

Apparently i was wrong, there was no judgement as welcome finance filed a notice of discontinuance before the hearing was due.

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that is still a good result. they probably didn't have enough to carry on in court!

you say that you submitted a defence online? was this before their notice of discontinuance? if so, you will also have the benefit of civil procedure rule part 38.7. so, unless anything significant changes since their court claim in terms of their case against you then they should have difficulty in starting another court claim against you on the same facts.

with this in mind, you could try and negotiate a without prejudice low full/final offer. or, you could leave it and see what they do.

they offered around 3.7k before, which is about 50%. you could try starting low with around 15% :) and see what they do?

technically, the 'debt' still exists. but, they have previously started a claim and then discontinued which is a big factor against them re any future legal action.

they must abide by the law/guidelines/codes (on cag). under the lending code, they should communicate in writing when requested and written responses are forthcoming. they should not be increasing a debt through interest/charges.

also, you mentioned that someone came round. you could send/incorporate the template 'doorstep' letter available on cag. and complain.

ensure not to acknowledge/admit any liability.

just to clarify, you say that the discontinuance was regarding their overdraft claim. and you are now looking to get a loan to pay off creditors one of which is this overdraft? only consider a consolidation loan if you can realistically afford the repayments on it, and it would be more beneficial than current circumstances.

see what others think

imo

Edited by Ford
typo

IMO

:-):rant:

 

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Hi thanks for the reply.

 

Just to clarify the original loan was to pay off an overdraft and for home improvement, i was thinking of taking out a consolidation loan to pay other debts i currently have.

 

The discontinuance was of their claim in court regarding the loan i tookfrom them in 2007, the amount of which was 2300 (not 2700 that was a mistake), they claimed i owed them around 4.5k when they took it to county court in late 2008, i submitted the defence before their notice of discontinuance.

 

 

The debts are a few K worth of various bills / creditors that i couldn't afford to pay when i got made redundant previously, this would allow me to deal with one creditor rather than several, mainly just for piece of mind and less costs when corresponding (recorded delivery letters etc) one of the creditors i would be looking to pay off is welcome but again i was unsure regarding this debt seeing as they haven't contacted me until this week in about a year.

 

Now that i'm working again i believe i could realistcally afford the repayments of the loan i was thinking of applying for a bank loan(been with the bank several years and never had any late payments unauthorised overdrafts etc)

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apok

the discontinued court claim was for around 4.5k re a loan?

where does the 7.5k mentioned in your first post come into things? and the 3.7k offer?

was the o/d paid off, and they are now pursuing the amount of the discontinued claim re the loan? or, what are they now pursuing?

please clarify.

Edited by Ford
typo

IMO

:-):rant:

 

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To clarify i took a loan from welcome to pay off an overdraft, the loan was for 2300, i used this to pay an overdraft, and to start working on where i was living, i got defaulted because i had problems paying the repayments.

 

4.5 is roughly the figure they filed the claim for back in 2009, £7,473 is what they have written to me recently to say that i owe them at moment, i.e. this is what they are pursuing.

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:)

as per my post #8 then

could try and negotiate low, or ignore/tell them to bog off and leave this particular one seperate from your consolidation?

are your other 'debts' challengeable? eg missold ppi? charges? no paperwork?

could wait and see what others think?

have a read around cag, including the blogs

Edited by Ford
typo

IMO

:-):rant:

 

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apok

any thoughts on what you might do?

note where a claim has been discontinued where 38.7 is involved, then new evidence and/or a change in the law would generally be required for a new claim on the same facts to be considered. but, of course, it would be for the court to decide in the circumstances upon application.

in general have a read around cag, including the blogs.

imo

IMO

:-):rant:

 

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Still thinking on what to do really, it would be nice not to have to take on additional debt when doing a consilidation loan as it would bump down monthly payments, length of the debt etc all of which are good things.

 

Then again if something were to happen in the next two years (could be statute barred by december 2013, as last payment was in either october or november 2007?) it could cause me problems further down the road, it's definitely a matter that asks for some serious thinking and that's what i intend to do.

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that's a fair point re s barred. if you do correspond with them, ensure not to acknowledge debt/admit any liability :)

OOI. i wonder why they discontinued, seeing that you say that they sent a copy agreement to the court? was it not properly executed? was there a compliant default notice?

IMO

:-):rant:

 

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