Jump to content


  • Tweets

  • Posts

    • Please see my comments on your post in red
    • Thanks for your reply, I have another 3 weeks before the notice ends. I'm also concerned because the property has detoriated since I've been here due to mould, damp and rusting (which I've never seen in a property before) rusty hinges and other damage to the front door caused by damp and mould, I'm concerned they could try and charge me for damages? As long as you've documented and reported this previously you'll have a right to challenge any costs. There was no inventory when I moved in, I also didn't have to pay a deposit. Do an inventory when you move out as proof of the property's condition as you leave it. I've also been told that if I leave before a possession order is given I would be deemed intentionally homeless, is this true? If you leave, yes. However, Your local council has a legal obligation to ensure you won't be left homeless as soon as you get the notice. As stated before, you don't have to leave when the notice expires if you haven't got somewhere else to go. Just keep paying your rent as normal. Your tenancy doesn't legally end until a possession warrant is executed against you or you leave and hand the keys back. My daughter doesn't live with me, I'd likely have medical priority as I have health issues and I'm on pip etc. Contact the council and make them aware then.      
    • extension? you mean enforcement. after 6yrs its very rare for a judge to allow enforcement. it wont have been sold on, just passed around the various differing trading names the claimant uses.    
    • You believe you have cast iron evidence. However, all they’d have to do to oppose a request for summary judgment is to say “we will be putting forward our own evidence and the evidence from both parties needs to be heard and assessed by a judge” : the bar for summary judgment is set quite high! You believe they don't have evidence but that on its own doesn't mean they wouldn't try! so, its a high risk strategy that leaves you on the hook for their costs if it doesn't work. Let the usual process play out.
    • Ok, I don't necessarily want to re-open my old thread but I've seen a number of such threads with regards to CCJ's and want to ask a fairly general consensus on the subject. My original CCJ is 7 years old now and has had 2/3 owners for the debt over the years since with varying level of contact.  Up to last summer they had attempted a charging order on a shared mortgage I'm named on which I defended that action and tried to negotiate with them to the point they withdrew the charging order application pending negotiations which we never came to an agreement over.  However, after a number of communication I heard nothing back since last Autumn barring an annual generic statement early this year despite multiple messages to them since at the time.  at a loss as to why the sudden loss of response from them. Then something came through from this site at random yesterday whilst out that I can't find now with regards to CCJ's to read over again.  Now here is the thing, I get how CCJ's don't expire as such, but I've been reading through threads and Google since this morning and a little confused.  CCJ's don't expire but can be effectively statute barred after 6 years (when in my case was just before I last heard of the creditor) if they are neither enforced in that time or they apply to the court within the 6 years of issue to extend the CCJ and that after 6 years they can't really without great difficulty or explanation apply for a CCJ extension after of the original CCJ?.  Is this actually correct as I've read various sources on Google and threads that suggest there is something to this?.
  • Recommended Topics

  • Our picks

    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • Hello,

      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.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 161 replies
    • 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
        • Like
  • Recommended Topics

Welcome Finance any dealings???


falcon185
style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 4998 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

  • Replies 1.1k
  • Created
  • Last Reply

Top Posters In This Topic

Top Posters In This Topic

I think bankruptcy is a bit excessive unless you have lots of debt. You could try to negotiate a settlement with them. You should do an SAR anyway. You may well find they have made unlawful charges against you. As you will have sen from this thread it is not unusual for them to make charges for visits never made etc.

Link to post
Share on other sites

Hi LancerQRL looks like quite a few of us have upset them. The silence is deafening ;-)

Friendship costs nothing but its rewards can be priceless. Do not judge, as you will not be judged but if you can, try and assist where possible.:smile:

everyone is entitled to MY opinion!:D

I offer my comments without prejudice or liability.

If you found my advice helpful, please click the scales at the top.

Link to post
Share on other sites

Hi

 

Just had another bog of letter from welcome and they are also threating to take further action for me not returning their £70 cheque as part payment.

 

I spoke to Kieren this afternoon and informed him that I will be requesting a refund of PPI as well. I never signed any documents or requested this. He said Direct had a copy of these forms. Spoke to Direct twice today (different numbers given by welcome) both said they do not hold copies of the signed agreements or schedule of cover and only key in details of who the insurance policy is for. According to welcome they said I only took single cover for a joint loan. I advised him I already had an income protection insurance with my bank so the PPI would not have been requested plus I would not only cover 1 person on a joint loan.

 

He wants a copy of the insurance document I had with my bank before he will investigate the PPI. Do I give them this or tell them to bog of and prove I signed the documents?

 

thanks

 

sandra

Link to post
Share on other sites

why is now that i want welcome to write to me they don't?

feel like i have upset them or something.

 

 

here here!!

 

still waiting!

£914.00 unfair bank charges recovered from NatWest after 1st letter :)

 

£255.00 unfair bank charges recovered from RBS after 1st letter :)

 

Welcome Finance cannot supply original agreement, N1 issued for charges, PPI & interest total over £3k :cool:

 

Woolwich 2 defaults removed, 1 ccj removed. My credit file is now clean :D

Link to post
Share on other sites

anyone got the compliance depts phone number, i forgot to bring it to work with me

£914.00 unfair bank charges recovered from NatWest after 1st letter :)

 

£255.00 unfair bank charges recovered from RBS after 1st letter :)

 

Welcome Finance cannot supply original agreement, N1 issued for charges, PPI & interest total over £3k :cool:

 

Woolwich 2 defaults removed, 1 ccj removed. My credit file is now clean :D

Link to post
Share on other sites

anyone got the compliance depts phone number, i forgot to bring it to work with me

 

Tel 0115 984 9200

Fax 0115 984 9201

-------------------------------------------------------------------------

Read throught the

FAQ's and when your ready, start a thread in your banks forum to keep us all updated!

If the information I have provided is useful, please click the scales!

Link to post
Share on other sites

thanks smoothy!

 

They havent answered my letter, and they was supposed to by Friday so i shall just phone them instead!

£914.00 unfair bank charges recovered from NatWest after 1st letter :)

 

£255.00 unfair bank charges recovered from RBS after 1st letter :)

 

Welcome Finance cannot supply original agreement, N1 issued for charges, PPI & interest total over £3k :cool:

 

Woolwich 2 defaults removed, 1 ccj removed. My credit file is now clean :D

Link to post
Share on other sites

You'll probably get much the same as me!

They seem to think that because theyve replied to my request, theyve complied with it!

Im of the opinion that they are scared of us (the consumers) finding something.....I dont know what (yet) but I'll keep digging!

Knowing my luck theyll be able to bury me in the hole ive dug!!

-------------------------------------------------------------------------

Read throught the

FAQ's and when your ready, start a thread in your banks forum to keep us all updated!

If the information I have provided is useful, please click the scales!

Link to post
Share on other sites

well the funny thing is that they have admitted to me that they dont have my agreement and said they will drop the rest of the debt (around £1400) but i want the PPI and Charges back that i have already paid, so wrote and asked for that. Just called them and Ms Alexandria "I work for Welcome and have an attitude problem" Mace tells me that that the reply will be going out today and that it "will not be in my favour".

 

So not sure where to turn now.

£914.00 unfair bank charges recovered from NatWest after 1st letter :)

 

£255.00 unfair bank charges recovered from RBS after 1st letter :)

 

Welcome Finance cannot supply original agreement, N1 issued for charges, PPI & interest total over £3k :cool:

 

Woolwich 2 defaults removed, 1 ccj removed. My credit file is now clean :D

Link to post
Share on other sites

OOOOh... shes the one who insists theyve complied with my cca request!!

As it happens, I noticed her attitude too! Amazing how you can see arrogance in writing!

-------------------------------------------------------------------------

Read throught the

FAQ's and when your ready, start a thread in your banks forum to keep us all updated!

If the information I have provided is useful, please click the scales!

Link to post
Share on other sites

thing is they cant comply with my request because they dont have the agreement!

 

I'm now advised to go ahead with court proceedings but i'm unsure what amount to claim.

 

Theres a good web site called www.saynotoyes.co.uk they are aimed at yes car credit customers and i have contacted the solicitors they recommended to see if they are willing to work on welcome finance cases.

£914.00 unfair bank charges recovered from NatWest after 1st letter :)

 

£255.00 unfair bank charges recovered from RBS after 1st letter :)

 

Welcome Finance cannot supply original agreement, N1 issued for charges, PPI & interest total over £3k :cool:

 

Woolwich 2 defaults removed, 1 ccj removed. My credit file is now clean :D

Link to post
Share on other sites

Just a quick note....

http://www.consumeractiongroup.co.uk/forum/general-debt/58129-who-deals-whom-directory.html

 

Welcome Finance are registered as dormant!

I for one will be forwarding letters demanding payment to http://www.consumeractiongroup.co.uk/forum/member.php?u=85309 AKA Spotnot

As she is preparing evidence hopefully towards a prosecution.

-------------------------------------------------------------------------

Read throught the

FAQ's and when your ready, start a thread in your banks forum to keep us all updated!

If the information I have provided is useful, please click the scales!

Link to post
Share on other sites

i thought welcome finance were run by a mother company which is known as progressive financial services? this is the name on my credit file and this is the name i write all my DEMANDING letters too! hee hee!

 

whats this info about spotnot preparing to prosecute? give us a link?

£914.00 unfair bank charges recovered from NatWest after 1st letter :)

 

£255.00 unfair bank charges recovered from RBS after 1st letter :)

 

Welcome Finance cannot supply original agreement, N1 issued for charges, PPI & interest total over £3k :cool:

 

Woolwich 2 defaults removed, 1 ccj removed. My credit file is now clean :D

Link to post
Share on other sites

Thats the link. At the bottom of the post it asks to Pm if you have received a demand from a company that is registered as dormant. I hav PM'd Spotnot and she confirmed that she is compiling evidence.

 

i thought welcome finance were run by a mother company which is known as progressive financial services?

They are but.... http://www.consumeractiongroup.co.uk/forum/general-debt/37780-welcome-finance-any-dealings-26.html#post511316 this was noted a few days ago!!

-------------------------------------------------------------------------

Read throught the

FAQ's and when your ready, start a thread in your banks forum to keep us all updated!

If the information I have provided is useful, please click the scales!

Link to post
Share on other sites

oh yeah i read that, i personally believe that Welcome may have been made dormant but its definatley owned by progressive. I dont think this has any bearing on our claims at all.

£914.00 unfair bank charges recovered from NatWest after 1st letter :)

 

£255.00 unfair bank charges recovered from RBS after 1st letter :)

 

Welcome Finance cannot supply original agreement, N1 issued for charges, PPI & interest total over £3k :cool:

 

Woolwich 2 defaults removed, 1 ccj removed. My credit file is now clean :D

Link to post
Share on other sites

yes your very right! i stand corrected !

£914.00 unfair bank charges recovered from NatWest after 1st letter :)

 

£255.00 unfair bank charges recovered from RBS after 1st letter :)

 

Welcome Finance cannot supply original agreement, N1 issued for charges, PPI & interest total over £3k :cool:

 

Woolwich 2 defaults removed, 1 ccj removed. My credit file is now clean :D

Link to post
Share on other sites

Hi Guys,

just to remind you, at the top of this thread is a NEW Star rating system, if you have found this thread to be any use to you please rate it.

Then go get the (un)Welcome door mats ;-)

Friendship costs nothing but its rewards can be priceless. Do not judge, as you will not be judged but if you can, try and assist where possible.:smile:

everyone is entitled to MY opinion!:D

I offer my comments without prejudice or liability.

If you found my advice helpful, please click the scales at the top.

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...