Jump to content


  • Tweets

  • Posts

    • Small update, just had a text from zinc, saying they have a letter for me and a link. Not going to open it, won’t be responding but I guess they’re trying to save money on sending me a physical letter?!? 
    • Why not? have they sent anything to prove it yet?
    • OK - in a nutshell...   Customer has a leak in the wall behind the shower in their en-suite bathroom which has leaked into another bedroom and they claim on their buildings insurance. We go in and inspect and quote for the repairs - this quote is forwarded, by the customer, to the insurance company who authorise them to go ahead with that quote. When we arrive, the customer says that they want the rest of the bathroom tiled to match - we agree and quote £800.00 for the extra tiling. The design for the tiling is varied, by the customer, to include two vertical mosaic stripes (the mosaic tiles being £12.50 each, plus a considerable increase in labour) - we point out that this will blow the materials budget - screaming ensues... we absorb the cost. The customer purchases a new bathroom suite which they expect us to install as part of the £800.00 that we quoted for the tiling alone - when this pointed out, screaming ensues... we absorb the cost. We complete the insurance repairs to both the bathroom and the bedroom on the other side of the wall. The customer says that they are happy with the insurance repairs, inform the insurance company of the fact and receive the final insurance payment. Some snagging is required on the extras - one of our guys goes in to sort out the odd bits. Customer freaks out because only one person has turned up to do the snagging - tells the man on site to take his tools and go. Customer will now not release the insurance money because the snagging has not been completed and claims that we're in breach of contract.   The insurance money HAS been paid to the customer - they signed off that the insurance based repairs were complete and satisfactory. It's the customer that's holding on to the money. The property is a ground floor flat - so it's leasehold.   I was pointing out that she's European - not any particular "ethnic background"...  
    • Referencing the Particulars of the Claim: 1. The claimant claims the sum of £2300 for an outstanding debt owed. 2. On 01/04/2012 the defendant entered into an agreement with Lloyd bank plc for an overdraft account under the reference X. 3. On 01/04/2016 the defendant defaulted on the agreement with an outstanding balance of £2300. 4. On 01/06/2017 the debt of £2300 was assigned to PRA Group UK LTD. Notices of assignment were sent to the defendant in accordance with s136 law of property act 1925. 5. Payments of £20 were received up to 01/03/2019 and adjustments have been made in the sum of £3.   For 'Particular number 2', i see a lot of other people saying this like 'Paragraph 2 is denied. I do not recall having this account'. I obviously cannot put that, what would i put?
  • Our picks

yenot6691

Welcome Car Finance & Lewis Group

style="text-align:center;"> Please note that this topic has not had any new posts for the last 1774 days.

If you are trying to post a different story then you should start your own new thread. Posting on this thread is likely to mean that you won't get the help and advice that you need.

If you are trying to post information which is relevant to the story in this thread then please flag it up to the site team and they will allow you to post.

Thank you

Recommended Posts

and of course the agreement fails on several aspects

 

1) its a multiple agreement under s18 cca1974 and must have two seperate headings in bold distinguishing type

 

a)An HP Agreement regulated by CCA1974 and

 

b)A Credit Agreement regulated by CCA1974

 

2)Each part of the agreement must have its own prescribed terms- (they have lumped the monthly payments into one)

 

 

 

eg HP 48 monthly payments x .£....

 

Credit 48 monthly payments x .£....

 

3)48 x £244.61 +£10 deposit= £11751.28 not £11850.96(and I havent had time to check the aprs yet:-))

 

so just on the above, in breach of s60/61 and therefore imo totally unen


PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 

 

 

Any help I am able to give is from my own experience only. Should you have any doubt you should contact a qualified professional.

Share this post


Link to post
Share on other sites

Thanks to you both. Dx how do i calculate if didnt pay the full amount in a month? and how do I calculate what portion the Mechanical breakdown/Shortfall exptra represents of the £244.61/

Thanks

Share this post


Link to post
Share on other sites

total price of credit for ins was £1174.72 divide by 48 = £24.47 per month

 

that of course is what prescribed terms should be there for


PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 

 

 

Any help I am able to give is from my own experience only. Should you have any doubt you should contact a qualified professional.

Share this post


Link to post
Share on other sites

Ok will work on this at home tonight.

Thanks for your help guys. I'll post my results later on.

cheers

Share this post


Link to post
Share on other sites

look at the % calculation in link 1 below

 

work out the % the insurance were of the normal full monthly payment.

 

then any payments you make xx% if it was for the insurances.

 

dx


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

Share this post


Link to post
Share on other sites
CI is ok

 

statint sheet

 

sorry I didn't make things clear

 

you have to workout what you paid PCM for them both

then enter each months combined payment on its date

 

lump them together

 

and use link 1 below to do the sheet

 

Hi Dx,

quick question? Say for example i paid 4 amounts of £50 throughout the month, what date will I enter as the combined payment date?

 

Thanks

Share this post


Link to post
Share on other sites

last


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

Share this post


Link to post
Share on other sites

one more thing?

 

On the contract they have charged £745.00 for insurances and £429.72 charge for credit for insurance.

 

When I look at page 5 of the breakdown,

 

on the 13/07/2005 I had a credit for £745.00.

 

does that mean they paid me back the insurance

and still charged me for credit for insurances?

 

Confused.......

Share this post


Link to post
Share on other sites

yes looks like it

 

dx


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

Share this post


Link to post
Share on other sites

ok will i just have to calculate the charge for credit for insurances instead as this was not credited back (£429.72). I can't believe I've not looked at this years ago.

 

thanks Dx

Share this post


Link to post
Share on other sites

I've done this now. can you take a look and advise me?

thanks again

Share this post


Link to post
Share on other sites
one more thing?

 

On the contract they have charged £745.00 for insurances and £429.72 charge for credit for insurance.

 

When I look at page 5 of the breakdown,

 

on the 13/07/2005 I had a credit for £745.00.

 

does that mean they paid me back the insurance

and still charged me for credit for insurances?

 

Confused.......

Confused??youre not the only one!!

 

13/7/05 balance £11741.28 which happens to be £244.61 x 48

 

so the credits for £745 and £150 have not altered the balance

 

so as far as I can see nothing was refunded

 

looks like their agreement confused them as well


PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 

 

 

Any help I am able to give is from my own experience only. Should you have any doubt you should contact a qualified professional.

Share this post


Link to post
Share on other sites

Oh I see... that why when I queried the charges they sent a letter advising that the figures on my contract do not reflect the correct total amount payable and the is an error in my favour of £109.57 which is the difference of between the contract amount and the contract amount minus the refund of the insurance (£750) and admin fee (£150).

Share this post


Link to post
Share on other sites

yes there is an error in your favour by my calcs of £98.68 as I cannot seem to find the use of your £10 deposit

 

however, they have not at any stage refunded the insurance or admin fee ( if you look at the balance the credits did not alter it)

 

The agreement is a complete mess


PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 

 

 

Any help I am able to give is from my own experience only. Should you have any doubt you should contact a qualified professional.

Share this post


Link to post
Share on other sites
I've done this now. can you take a look and advise me?

thanks again

 

yep that's good

 

dx


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

Share this post


Link to post
Share on other sites
yep that's good

 

dx

 

Hi Dx,

Where do I go from here? Who do I submit my findings to?

 

Many thanks

Share this post


Link to post
Share on other sites

Do I now send a letter to the DCA requesting they pass the file back to the Welcome?

Share this post


Link to post
Share on other sites

pers i'd be doing stuff all with regard to the no powers dca.

 

get those reclaims off to welcome finance with a covering letter.

 

you owe bugger all to anyone

 

i'd love to see them explain that agreement and statements if they did file to court:lol:

 

dx


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

Share this post


Link to post
Share on other sites
pers i'd be doing stuff all with regard to the no powers dca.

 

get those reclaims off to welcome finance with a covering letter.

 

you owe bugger all to anyone

 

i'd love to see them explain that agreement and statements if they did file to court:lol:

 

dx

 

Ok should i just download a letter from this site to Welcome Finance or just type one out? Do I send to Ruddington? I

Share this post


Link to post
Share on other sites

adapt these to suit.

 

dx


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

Share this post


Link to post
Share on other sites
adapt these to suit.

 

dx

 

thanks so much dx, ill get on with this tomorrow. Do i send a copy to the DCA or have nothing to do with them?

Share this post


Link to post
Share on other sites

pers i'd ignore them totally.

 

dx


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

Share this post


Link to post
Share on other sites

can you just confirm that they are only acting as dca and have not bought the ac, if dca as dx says ignore


PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 

 

 

Any help I am able to give is from my own experience only. Should you have any doubt you should contact a qualified professional.

Share this post


Link to post
Share on other sites

Not sure. I think they may have bought the debt. How can I find out?

Share this post


Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    No registered users viewing this page.


  • Have we helped you ...?


×
×
  • Create New...