Jump to content


  • Tweets

  • Posts

    • The move marks the first time the country's central bank has raised interest rates for 17 years.View the full article
    • The move marks the first time the country's central bank has raised interest rates for 17 years.View the full article
    • The firm has benefited from the AI boom, making it the third-most valuable company in the US.View the full article
    • Former billionaire Hui Ka Yan has been fined and banned from the financial market for life.View the full article
    • In terms of "why didn't I make a claim" - well, that has to be understood in the context of the long-standing legal battle and all its permuations with the shark. In essence there was a repo and probable fire sale of the leasehold property - which would have led to me initiating the complaint/ claim v SPF in summer 19. But there was no quick sale. And battle commenced and it ain't done yet 5y later. A potential sale morphed into trying to do a debt deal and then into a full blown battle heading to trial - based on the shark deliberately racking up costs just so the ceo can keep the property for himself.  Along the way they have launched claims in 4 different counties -v- me - trying to get a backdoor B. (Haven't yet succeeded) Simultaneously I got dragged into a contentious forfeiture claim and then into a lease extension debacle - both of which lasted 3y. (I have an association with the freeholders and handled all that legal stuff too) I had some (friend paid for) legal support to begin with.  But mostly I have handled every thing alone.  The sheer weight of all the different cases has been pretty overwhelming. And tedious.  I'm battling an aggressive financial shark that has investors giving them 00s of millions. They've employed teams of expensive lawyers and barristers. And also got juniors doing the boring menial tasks. And, of course, in text book style they've delayed issues on purpose and then sent 000's of docs to read at the 11th hour. Which I not only boringly did read,  but also simultaneously filed for ease of reference later - which has come in very handy in speeding up collating legal bundles and being able to find evidence quickly.  It's also how I found out the damning stuff I could use -v- them.  Bottom line - I haven't really had a moment to breath for 5y. I've had to write a statement recently. And asked a clinic for advice. One of the volunteers asked how I got into this situation.  Which prompted me to say it all started when I got bad advice from a broker. Which kick-started me in to thinking I really should look into making some kind of formal complaint -v- the broker.  Which is where I am now.  Extenuating circumstances as to why I'm complaining so late.  But hopefully still in time ??  
  • 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 
        • Thanks
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 160 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

Coast claim for Possession - old Welcome secured loan - Disc'd once - now another N24/N11R - help ***Resolved***


surrey_36
style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 619 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

my helpers is not around at present

 

word is the agreements are crap!

on many fronts.

 

dx

 

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... 

Link to post
Share on other sites

  • 3 weeks later...

i got a promise of help externally but it never came to anything sadly ...yet

 

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... 

Link to post
Share on other sites

  • 1 month later...

lo

 

so has anything changed?

 

whats the status now?

 

i'm wondering if brig can help

 

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... 

Link to post
Share on other sites

  • 1 month later...

Hi dx, sorry for taking ages to reply have been busy with new baby!

 

im still paying welcome £15 per month , on an arrangement

so thats still the same if thats what you mean?

 

do you know if its right the amount received in bank is different to that on loan sheet?

Link to post
Share on other sites

  • 2 weeks later...

Did you ever have more than one loan?

Was it Secured?

Did you ever do a modification or refinance?

Are the dates the same on each agreement?

Do any have your signature?

Please overlook my typos and spelling mistakes, sometimes my fingers arent in sync with my brain :)

I am just a consumer and have no legal training. My posts are opinion only, based on my own limited experience. If in doubt you should seek legal advice from a qualified practitioner.

 

Activ Kapital - Disputed £4,000.00 - 04/04/2011 Settled! WON!

HSBC Current Account - Defaulted for £200.00 Charges. - 19/05/2011 Charges Refunded Default Removed! WON!

HSBC Loan Account - £16,000.00 Unsecured Loan - 05/07/2011 Disputed No Further Contact WON! (for Now)

Barclaycard Account - Disputed account and £1500.00 Charges. - 18/07/2011 Charges Refunded! WON!

London Scottisht - Disputed account and Charges. £25,000.00 - 06/2011 Balance reduced by 95% WON!

Link to post
Share on other sites

A loan of £15,000 (amount of credit/cash advance);

A broker fee of £1,500;

An acceptance fee of £235.

 

The latter two figures being in the right range for that amount of credit. The difference between the illegible copy and the reconstruction being Welcome's realisation that the original was wrong.

 

However, it does not explain why £15,094.25 was received in your bank account!

Link to post
Share on other sites

thanks Mr Z, yes it was secured.

 

I did not ever modify or refinance this loan.

 

The dates appear to be the same.

 

The illegible copy had a bad version of my signature yes.

 

I only had this one loan with them but did have one other loan with another company

Link to post
Share on other sites

Ok, well I think I know what they have done.

 

Can you scan the docs as a PDF and upload them here?

 

Be sure to remove account numbers, and your personal info and signature.

 

BTW what was the date of the original agreement?

Please overlook my typos and spelling mistakes, sometimes my fingers arent in sync with my brain :)

I am just a consumer and have no legal training. My posts are opinion only, based on my own limited experience. If in doubt you should seek legal advice from a qualified practitioner.

 

Activ Kapital - Disputed £4,000.00 - 04/04/2011 Settled! WON!

HSBC Current Account - Defaulted for £200.00 Charges. - 19/05/2011 Charges Refunded Default Removed! WON!

HSBC Loan Account - £16,000.00 Unsecured Loan - 05/07/2011 Disputed No Further Contact WON! (for Now)

Barclaycard Account - Disputed account and £1500.00 Charges. - 18/07/2011 Charges Refunded! WON!

London Scottisht - Disputed account and Charges. £25,000.00 - 06/2011 Balance reduced by 95% WON!

Link to post
Share on other sites

  • 3 weeks later...
  • 1 month later...
  • 1 month later...

Can anyone help me check this agreement out, copy pdf docs up the page, just trying to work out why amount received in bank differs from any figures on the paperwork

Edited by dx100uk
merge
Link to post
Share on other sites

  • 3 weeks later...

Mine had differing numbers on it. The one was what they actually lent and charged me, the other was that but without the PPI on it, as they have assumed to requested the information to claim it back..? Could they have done this on yours?xx

Link to post
Share on other sites

  • 5 months later...

I have been making regular gesture/token payments of £15 p/m to Welcome for my secured loan with them

 

all of a sudden having not heard from them for quite a while I have received a letter from Atlas Collections

saying that I need to call them to discuss the existing arrangement

- word for word

"To ensure that any existing arrangements you may have had with the previous agency are properly recorded,

it is imnportant that you call Atlas to provide us with the details of these arranagements"

 

the last time I physically spoke to Welcome was the time that they told me to meet them at the cash point to draw all my money out

that I owed them and so that was (i think) the last time i spoke to them!

If i recall correctly I was advised on CAG to send a template which i said i was only willing to correspond in writing.

 

I really do not want to speak to anyone on the phone, If anyone could advise my best course of action that would be really great, cheers:madgrin:

Link to post
Share on other sites

I would write them a nice letter back saying that you don not discuss financial matters over the telephone and require all correspondence to be in writing.

 

Are you getting a yearly statement of your account and was their any insurances or extras on the account that could be reclaimed?

 

JJ

Link to post
Share on other sites

  • 2 months later...

I had a letter from Atlas AKA Welcome saying they need to talk to me about my account.

I wrote back and explained that I would only communicate in writing (see my previous thread - harassment).

I had not heard anything since my letter to them.

 

late yesterday afternoon my OAP neighbour comes over the road to tell me that Royal Mail had just CALLED her on her landline to say they had a delivery for ME.

But when they tried to deliver it I was out.

 

The well spoken gentleman on the phone asked my neighbour if she knew my mobile number and asked if i was at work.

She said no & no.

 

When she was telling me this I immediately smelt a rat.

I was not awaiting delivery of anything and Royal Mail leave while you were out cards.

 

I called my Ex partner and my mum really worried.

I did not understand what the caller was trying to achieve and was mainly worried for mine and the childrens safety in the house, was it someone trying to get my number so they could find out when i was out and then rob me.

My dad even came round this morning to fit another bolt/lock to the front door.

 

At 8AM this morning I received a private number incoming on my landline,

I picked up the call,

I was intrueged to who would be called me that early.

 

it was Atlas collections,

their main concern was obtaining my mobile number.

 

I explained that i had written to them explaining that i only wanted to deal in writing but they managed to pursuaede me into giving them my mobile.

then they wanted to go over my situtation and set payment dates etc.

 

Then at 10am this morning,

I had my post and what the postman delivered was a 'while you were out card'

I opened the door and said 'im in!'

- showed him the card which was very very similar to a royal mail card and he said it was not royal mail.

 

The card said to call a mobile number that was handwritten on the card or text my mobile number to it.

The 'whille you were out card' had my address hand written on it, and a reference number to quote and a first class stamp.

 

What delivery company POSTS a while you were out card?!

I called the number and questioned the man,

I told him i believed he was welcome finance,

i said to him your clearly not a courier comapny as couriers would leave a card not post it, anyway it was just all a load of absolute rubbish.

 

Clearly the call to my neighbour and the courier card were all an attempt to obtain my my mobile number.

This morning they called me at the normal household manic time of day and managed to get it anyway.

 

My poor OAP neightbour has cancer and recently nearly died, this call worried them so much so if you are reading this Welcome then well done!

 

Last night was terrible I was so frightened in my house with my 2 babies.

I thought someone might be watching us to burgle us.

My mum nearly stayed the night, but shes old too and I told her to go home.

 

Any advice caggers?

this is completely unacceptable,

especially when i have responded to their correspondance and have proof of postage.

 

I was in communication with them so why are they so deseprate to speak on the phone.

They even said this morning they 'prefer to discuss on phone than in writing'

 

I suppose problem being that I cannot prove that the call or card is them but its is so very obvious that it is!

 

ls excuse poor spelling not time to check over

Edited by dx100uk
merge
Link to post
Share on other sites

You need to contact the OFT about this. What they are doing is against OFT guidance on debt collection and can result in them losing their licence.

 

Last night was terrible I was so frightened in my house with my 2 babies. I thought someone might be watching us to burgle us. My mum nearly stayed the night, but shes old too and I told her to go home.

 

What do you mean?

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

Link to post
Share on other sites

Thanks Renegadeimp I will do exactly that thank you.

 

Sorry if i was not clear,

 

what I meant was;

on the evening that my neighbour told me that 'royal mail' had been trying to get my mobile number,

I did not realise at that stage that it was Welcome Finance,

 

I/we was panicking about who and why would want my mobile number and almost called the police in case it was a possible burglar.

I was extremely nervous that evening (single mother at home with 2 children) as I felt as though someone might have been following/watching me/us.

 

I get on really well with my OAP neightbours and it concerned me that whoever called them knew that out of a lot of other neighbours in the street,

they knew to call them to ask questions about me.

 

turned out the next day that following the 'delivery card' and the 8AM call, I put 2 and 2 together and realised it was Welcome.

Panic over but still very annoyed at the concern and worry caused

Link to post
Share on other sites

Then its time to get those complaints rolling to all the regulators and a very very strongly worded complaint to the muppets chasing you.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

Link to post
Share on other sites

Have you had anything in writing yet?

 

 

You are not obliged to speak to any doorstep debt collector, should one confront you "invite them to leave" if they remain call the police and state you are alone with young children and you feel threatened.

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:

Link to post
Share on other sites

Hi

do you still have the 'while you were out' card? If so can you either post it up on thread (suitably redacted) or copy it to a member of the site team.

 

This sounds very much like they are using underhand methods to get you to contact them and is in clear breach of the OFT debt collection guidelines

(not making clear who or what they want)

If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

Please help CAG. Order this ebook. Now available on Amazon. Please click HERE

Link to post
Share on other sites

thanks renegadeimp - when you say compain to all regulators , who else apart from the OFT?

 

thank you Brigadier - Yes they wrote and i replied in writing saying i only wished to communicate in writing, they claim they never received this letter although i have proof of postage.

Link to post
Share on other sites

Such a letter should be sent "signed for 2 post.

Don't use addresses with a PO Box number letters to those often go astray.

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:

Link to post
Share on other sites

  • 4 months later...
  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...