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    • If the claimant fails to draft directions the court can order a Case Management Hearing to set them but normally in Fast Track claims the claimant sets the directions...Unlike small claims track which are always set the court.
    • Not Evris offer, the court offers mediation service.   All claims proceed to hearing if mediation fails /not happen.   Why do you not wish to attend in person to stand your claim ?     Absolutely you must comply with the courts directions or your claim risks being struck out. Preparation for a hearing should happen irrespective of mediation.   https://www.consumeractiongroup.co.uk/topic/460613-suing-a-parcel-delivery-company-when-you-dont-have-a-direct-contract-with-them-–-third-party-rights-copy-of-judgment-available/#comment-5255007   Andy  
    • LPA.  (I'm fighting insolvency due to all the stuff that he and lender have done).  He appointed estate agents - (changed several times). Disclosure shows he was originally appointed for a specific reason (3m after repo) : using his powers as acting for leaseholder to serve notice on freeholders (to grab fh).  There was interest from 3 potential buyers. He chose one whose offer depended on a positive result of the notice.  Disc also shows he'd taken counsel advice - which was 'he'd fail'.  He'd simultaneously asked to resign as his job (of serving notice) was done and he'd found a buyer.  Lender asked him to stay on to assign notice to the buyer.  Notice failed, buyer didn't buy.  So receiver stayed.  There was 1 buyer who wanted to proceed w/o fh but receiver/ lender wasted 1y trying to get rid of them!  Disc shows why. But I didn't know why at the time. In later months Lender voiced getting rid of receiver. Various reasons - including cost.  But there's a contradiction/ irony: as I've seen an email (of 4y ago) which shows the receiver telling lender not to incur significant costs and to minimize receiver costs.    Yet lender then asked him to serve another notice - again counsel advice indicated 'he'd fail'.  And he did fail.  But wasted 3y trying and incurred huge legal costs - lender trying to pass on to me. Lender interfered - said wanted to do works.  Receiver should have said no.  But disc. shows he agreed to step aside to let them do the works - on proviso lender would discuss potential costs first (they didn't), works wouldn't take long (took 15m), and lender would hold interest (they didn't) (this last point is crucial for me now - as I need to know if I can argue that all interest beyond this point shouldnt be allowed?)   I need to check receiver witness statement in litigation with freeholders to see exactly what he said about 'his position'. But I remember it being along the lines of - 'if the works increased the value of the property he didn't have a problem'.  Lender/ receiver real problems started at this point. The cost of works and 4y passage of time has meant there is no real increase in value. Lender (or receiver) didn't get any permissions (statutory or fh) (and didn't tell me) and just bulldozed the property to an empty shell.  The freeholders served notice on me as leaseholder for breach of covenants (strict no alterations).  The Lender stepped in (acting for me) to issue notice for relief of forfeiture - not the receiver.  That wasted 2y of litigation (3y if inc the works) and incurred huge costs (both sides).  Lender's aim was to do the works that every potential buyer balked at due to the lease restrictions.  Lender and receiver knew couldn't do works w/o fh permission. Lender did them anyway; receiver allowed.  Receiver remained appointed.  I'm arguing lender interfered in receiver duties.  Receiver should have just sold property 4-5y ago w/o allowing any works.  Almost 3y since works finished the property remains unsold (>5y from repo). The property looks brand new - but it was great before.  The lender spent a ton of money - hoping that would facilitate a quick sale.  But the money they spent and the years they have wasted has meant they had to increase sale price.  It's now completely overpriced.  And - of course - the same issues that put buyers off (before works) still exist.   The receiver has tried for 2y to assert the works increased value. But he is relying on agents estimates - which have proved highly speculative. (Usual trick of an agent to give a high value to get the business - and then tell seller to reduce when no-one buys.). And of course lender continues to accrue interest (despite 4y ago receiver saying pause interest). Lender tried to persuade receiver to use specific agent. Disc shows this agent was best friends with the lender's main investor in the property.  Before works this agent had valued it low.  After works this agent suggested a value 70% higher!  The lender persuaded receiver to sack one agent and instead use this agent.  No offers. (Price way too high).   Research has uncovered that this main investor has since died.  I guess his investment is part of probate? And his family want it back?    Disc shows the sacked agent had actually received a high offer 1y ago.  Receiver rejected it.  (thus I don't know if the buyer would have ever proceeded). He was relying on the high speculative valuation the agents had given him to pitch for the business. The agents were in a catch-22.  The receiver sacked them. Disc shows there has been 0 interest ever since (inc via new agent requested by lender). I don't think lender or receiver want all this to come out in public domain via a trial.  It will ruin their reputations. If I can't get an order for sale with lender - can I apply separately against receiver?
    • Ok many thanks. Just wanted to check that nothing else for us to do / send for the moment. Will update again once we receive a copy of their N181 and proposed directions for review. Our post is a bit hit and miss at the moment. Appreciate the help through this process.
    • Yes and will ask you if you are in agreement and or wish to add /remove any direction.
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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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    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
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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 any dealings???


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Hi Jon Chris,

No unfortunately I did not record them. But been in touch with their head office again I told them someone was not doing their job properly. They assured me they will send statements which will be zeroed meaning there is no money owing. I'm giving them 7 days if the letter doesn't arrive then I write to the FSA.

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Hi salviablue,

Thats how I got involved with Welcome by buying a Vauxhall Omega. And guess what? That was dodgy too. First week it was in the garage more than in use. The petrol i put in it was used by the so called mechanic doing test drives and telling me it was ok. I got advice of a friend and he told me what was up and I told the so called mechanic and they got the part. The brake pads where all down to the metal. I reported the fact to DVLA as i thought it was a dodgy MOT.

Regarding Welcome they are worthless their staff dont do their job. I am in the process of writing to the FSA as Welcome ignore me.

All in all they are arse holes.

Edited by todd390
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We have a 4 year car hire purchase with Welcome and I have been told that you can end this after a 2 year period, I now get higher rate mobility allowance so would be better off getting a Motability car. Has anyone any advice with regards to this. Also you can pay Welcome over the phone as they have an automated linenow which i use every month, it is a bit long winded but it works.

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  • 5 weeks later...

Hi All,

Good news I finally got one of their staff at the Liverpool branch to do their job. A nice lady spoke to me on the phone and assured me she would send me a letter of acknowledgement that I owe nothing and the account is paid up and they are satisfied with that. She told me she would post two letters to make sure I got at least one. I recieved a letter telling me it is settled. Thats all I ever wanted after twelve months. So I am happy and glad to be well rid of Welcome Finance. I now know at least one of their staff who is not bone idle and helpful. I congratulate her but if she has any sense she'll seek employment with someone worthwhile.

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  • 3 months later...

hi all my hubby has just had a call from wf, at the moment direct group is paying our w.f due to hubby being retired with ill health now they know he will never return to work and they have even sent him for medicals etc so they know this anyway what i am asking is the guy said have u been on holiday lately no hubby said which is true, but he somehow knew that we are going to india in november how the hell did he find this out? husbby said yes it is a bithday present for his 50th is there anything i can do or can they find out this info if so how has he done this from welcome fiance

abg

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  • 1 year later...

Sorry for the thread dredge, I was looking for my last post which was 16/1/2007. I have ot been on this site for at least 2 years!

 

I made a complaint about PPI with this lot around the time stated above, and again a little while later, getting the usual knockbacks. To be honest, I didn't really pursue with claim and had virtually forgotten about it.

 

However, after not hearing from Welcome for years (got them off my back in 2004), I was quite surprised to receive a letter from them yesterday. On opening, it turns out to be a final response to my claim, the relevant part reading

 

"my conclusion following this investigation is that I am unable to be sufficiently sure that the PPI policy was suitable or affordable for your needs, I have therefore upheld the complaint. I would like to offer you compensationfor the cost of the PPI policy and any interest that you have paid. In total, my offer is £2184.44. This includes £100 compensation to recognise that the initial reponse to your complaint was unsatisfactory"

 

RESULT! Absolutely amazed, this is totally out of the blue, suppose the advice is don't give up you may get there quicker than me! Good luck to anyone else in the same boat.

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Hi All just an update from me on Welcome they have admitted wrong selling of PPI Insurance and have made an offer of over 4k yeehaa 8-)8-)8-)

I have accepted and am waiting for them to pay it in to my account the letter says within 10 working days but we will see.

Anyone got their refund yet how long did it take them ??

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