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    • So, the two child benefit cap is going to (rightly or wrongly) be a big issue, with the care of kids undoubtedly taking second place to political point scoring  ... Some think that parents should be responsible for kids, and the state pay as little as possible else the parents will just use having kids (which they then neglect) as a means of income for them to spend on fags and booze. Some think that benefits should be effectively there for anyone whatever the circumstances.   So what do people think might be some sort of solution?   I think that both those stances are extremes,  and you can be sure of just a few things 1. Neither or any approach fits all affected. There are some who will abuse the system, just as there are some left in genuine desperate need. 2. None of its the kids fault, and how they are treated will have a large impact on our nations future.   So, despite the claims of 'it means only rich people can have kids' which is rubbish, I think the cap should stay. ... BUT that free school meals should be introduced for all state school kids:   Which would * ensure our nations children kids get fed at least one meal a day with the funds intended for that * be a significant incentive to go to school for the poorer kids at least - keeping many off the streets and away from bad company * almost certainly reduce problems and increase productivity in the classroom from irritable hungry kids (per stats)   Not a perfect solution by any means - but seems a positive move to me.    
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    • HB - he has certainly given me a challenge ! I set a plan in motion. A refinance plan that would have enabled me to take time to sell one asset and sort out another for him.   The bank account blockage has hindered the plan.  His partner seems to think I can do everything w/o paying anyone for anything.  I don't mind helping - but it's not normal to clear out 2 properties, organize storage or sale of possessions, get properties ready for sale/ rent - w/o being paid.  He has the money to pay for things and services - and for my help - but the blockage prevents that. If the refinance plan could still be actioned then at least I would have some time to sell one asset.  Could he/ his partner set up a new internet bank account?  In his name ? Could I then get his pension diverted to that new account?  That would at least cover some costs  ( ie epc/ storage)
    • It's a shame that your friend didn't take care of this while he had capacity and before he left the country, isn't it? He seems to have made your mission impossible. HB
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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.

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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Incorrect Loan Statement?


JosieJo1978
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Hi there

 

I hope I'm in the right place, I wonder if anyone might be able to help me?

 

I have a secured loan with Welcome Financial Services (yes, not my greatest achievement but that's another story!) which I took out in 2003, it was re-written in 2006.

 

All payments are up to date and the account is in good order but I decided that with nothing better to do on this long bank holiday weekend (!), I'd review the paperwork for the account to see what remains outstanding etc.

 

In 2010, I made a missold PPI claim against them and received compensation and a reduction in my monthly loan payments for the duration of the loan.

 

I've just been looking through my statements and realised that all secured loan statements issued since 2010 show the revised loan payments rather than the loan payment made at the time.

 

All of the statements that I've received go back to the start of the loan in 2006 but show incorrect payment amounts.

 

For example, in 2007, I made a monthly payment of £163.29 per month (the old monthly amount that was due), however, according to my loan statements, it shows me making a payment of only £143.83 (the new monthly amount that I now pay).

 

I would have assumed that the statement should detail what I actually paid at the time of making the payments and then in 2010, an adjustment to show that a refund had been issued and the monthly payments reducing. Is that wrong?

 

Can I write to Welcome and ask them to issue me with a statement showing what I ACTUALLY paid or is it legal for Welcome to issue me with an inaccurate statement?

 

Any advice greatfully received.

 

Thanks very much.

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Welcome to the site.

I am sure some of those more experienced in these areas will respond,but given the bank holiday,many of our regular members are absent.

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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Hi

 

Have a look at the forst statement with the opening loan transaction amount. Is it the loan amount excluding the PPI premium or including it?

 

ims

Edited by ims21
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It shows the loan amount excluding PPI. I get why they've done this, but without a statement showing a breakdown of what I paid and then what was refunded to me, I don't have accurate records. Can I request a statement with actual payments made shown on it? I still made the payments in the first place even if they were later refunded.

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I would ask for one showing the original amounts ppi and the adjustment at "x" date when the PPI was refunded.

 

None of this should make any difference to the term of the loan, only that you end up paying back the cash loan plus interest on that amount.

 

ims

 

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PS: I know that it doesn't make any difference to the loan but I'm trying to keep a record of all payments made to Welcome (as I'm in the middle of a financial bun fight with my ex-husband and it doesn't help when Welcome state that I paid x amount of money when I know that I paid more - its relevant because my ex got half the PPI settlement but made about a years worth of payments, whereas I made the other 9 years worth of payments!).

 

Thanks again

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