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    • A claim was issued against you on 22/04/2024 Your acknowledgment of service was submitted on 06/05/2024 at 13:28:08 Your acknowledgment of service was received on 07/05/2024 at 01:05:18 Your defence was submitted on 23/05/2024 at 21:20:03 Your defence was received on 24/05/2024 at 08:05:43
    • I drove a friends a car for a few days and I used cuvva car insurance to insure myself for the time period. Here's the problem: I made a mistake with the dates on the insurance, I ended up driving uninsured for one day and I got a speeding ticket. My friend named me as the driver on the Notice of Intended Prosecution as she should and I will take the blame of course. Will met police ask for proof that I was in fact driving? I mean, any more other than me replying to the NIP that I will soon receive from them? Cause I assume that my insurance for the day will be the proof that they need... Secondly,  if caught driving uninsured, what will happen please? I read it's £300 and 6 points. Is that all or is it worse? I'm only asking for information from knowledgable people. If you intent to just mock, you're certainly not helping. Thanks
    • Hi, Please find letter sent to BMW with all evidence off issues which is a link from Audi. Unable to share the footage on this forum as I am not the best with tech BMW FAULTY CAR LETTER.docx
    • This is the first item that I've ever claimed for - I don't really send too many parcels, probably 5 in the last 5 years, and only two with P2G / EVRi. I've attached two emails from P2G regarding their requiring the documents. They don't specify in the emails what documents I should be sending, although when opening the claim they were requesting that I needed photographic proof of sending - picture of the parcel with their label attached, in the EVRi ParcelShop. The second email is their closing the enquiry due to my failure to produce said document(s). I haven't yet drafted my claim letter, I wanted to be sure of this document situation first before I began action. But therein lies another problem. Not having a P2G account, I cannot be sure of the item value that I declared. The retail value at the time was £600, which is less than the £650 I paid several months earlier, so I would likely have used that, but cannot be sure. And without having an account I can't check either. But, I know that I did properly declare the item and a value that reflected its then retail price - I was concerned this declaration may have been used to single the item for theft. But now that the retail price has reduced substantially, even though the nature of compensation is to return the claimant back to their original position, without my purchase receipt, I was concerned that I may have to claim for less. And yes, I've been through your huge document store of information, in addition to MoneySavingExpert, Which, Citizens Advice, Gov.uk "make a court claim", my own law books (annoyingly I specialised in consumer law when I studied for my law degree, but I graduated 17 years ago), and so now feel that its time to either act, or drop it. P2G Enquiry (2).pdf P2G Enquiry (1).pdf
    • I have found both forms online  https://assets.publishing.service.gov.uk/media/62e14db38fa8f5649f912647/TE9.pdf https://assets.publishing.service.gov.uk/media/60c73ad0d3bf7f4bd6a9bc69/te7-dart-eng.pdf   do i just fill in both forms and send to the address on them or directly to Manchester council  forgive my ignorance    thanking you in advance 
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      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.

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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.

      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
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Welcome Finance - claim form received


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Please make sure you take the advice of never ever dealing with your local branch - they only exist to chase non payers - Welcome no longer do anything else and are unable to make loans.

 

Are you able to edit and scan the default notice they served on you?

Did you purchase the car from a dealer - and if so who arranged the finance for you?

 

Be interesting to see what comes back from the SAR

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  • 4 months later...

I have posted about this a few times, and the upshot of it is that we owe Welcome finance £5500ish on a £13996 agreement.

The car has caused us no end of trouble and we have been arguing this for years with them.

 

they have harrased us by telephone, sent letters from god knows how many different managers.

Weve wrote back asking them to wipe charges and we could arrange to settle the debt they said they only charged us £300 in letters etc.

 

We have offered to pay them £2000 more after all the problems we have had with the car, but this they have refused.

 

they are ringing 20+ times a day and in the last phone call about half an hour ago in whi OH refused to confirm security

so the man from Welcome said he's coming to collect the car!

 

Can they do this?

I dont think they can without a court order.

 

what if they have a court order, would we know about it?

 

If they arrive with a court order do I have to give them the car?

 

we have paid nearly £8000 off it,

and I am willing to pay the rest minus all of their unfair interest charges etc

 

Can anyone help??

 

Im worried theyre about to turn up at the door

 

Gilly

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Check the terms of the contract I think if you

have paid more than half they need a court order.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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Welscum at their usual best again I see!

 

As bbnb says they can't just turn up and take the car, that's called theft, and they won't have a court order to do so, if they do, that would be fraud (IMO)

 

Stay OFF the phone to them now, tell them that you will ONLY deal with their basic wage chimps by letter, also demand a copy of their complaints procedure, if you don't already have one, and exhaust it so you can escalate your complaint further.

 

Tip off BBC Watchdog, your local MP, and of course the OFT&TS.

 

And get reclaiming all of those fees and charges back, you'll probably find they owe you!

 

Head Office

 

Welcome Financial Services Ltd,

Ruddington Fields Business Park,

Mere Way,

Ruddington,

Nottingham,

NG11 6NZ

http://www.fscs.org.uk/news/2011/march/fscs-declares-welcome-financial-7pghpepm/

 

http://www.bbc.co.uk/watchdog/gotastory/

Edited by Bazooka Boo

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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three threads merged

 

please keep to ONE THREAD per debt issue

 

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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SAR welcome. Then reclaim all unlawful charges. no, they can't just turn up and repossess the car.

 

can no more highly advise you do this as a matter of urgency

 

you've been told several times over the course of the now merged threads to do this.

 

 

it'll end-up that they owe you i bet.

 

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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and if they ARE phoning 20+ times a day

 

get the harressment letter off PDQ too.

 

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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what are they sprouting off now to try and confuse the customer

 

silly beggers!

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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  • 3 weeks later...

Hi yes it did say that. Now had a letter off em saying they want photocopies of drivin license or passport o

Confirm our identity! Said they can't from info give

E.g name address account number etc

Shall I send it to them, maybe they want to know what we look

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Hi yes it did say that. Now had a letter off em saying they want photocopies of drivin license or passport o

Confirm our identity! Said they can't from info give

E.g name address account number etc

Shall I send it to them, maybe they want to know what we look

Like

 

Give them my details, tell them to go forth, do not collect £200 do not pass go, but do drop off the edge of a cliff, landing on a electricity sub station, causing a blackout across half the country, so the other 50% of the country that doesn't know how puerile and irritating they are can all vent their spleen in their direction also.

So they have confirmed in writing, that they don't know who you are and have been breaching the DPA on numerous occasions and want you to forward a complaint to the ICO, nice!! Mugs.....

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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