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Welcome finance and Ind ltd - claimform received


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Not that it has any relevance on the claim......

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  • 1 month later...
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Good afternoon.

 

 

Received letter from Northampton bulk centre stating case has been transferred to my local court.

Prior to this they sent an allocation questionnaire to myself stating it must be returned no later than the

6th of December,which is was Iit stated that a copy must be sent to all parties concerned.which it was.

 

 

Howver unsure if welcome have to send me one if so I have not received it,can anybody shed any light on this please.

 

 

Thanks

WK

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  • 1 month later...

Good morning.

Update so far.

 

 

Have a court date of 24th March,i have also asked for the free mediation service which has not happened as of yet.

 

 

Welcome finance via the FSCS have awarded me my ppi claim against welcome this will come of the balance they are claiming at court.

Regarding the Gap insurance shortfall collision call emergency recovery and mechanicial breakdown insurance that was front loaded who do I complain to welcome finance or welcome via the FSCS.

 

 

Reason why I ask is I have spoken to the FSCS and they are saying two different things

I am on a list an when the system goes live ??? they will send me the claim form which I have been told is different to the ppi form.

 

 

Other story is should have received it by now.

 

 

Any advice much appreciated

 

 

WK

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that's the 2nd or 3rd time I've heard that said

 

where they are bringing in a system to deal with all the other insurances

 

couple of years ago mind I think I first heard it.

 

i'm sure atleast 2 people have gotten them all back already.

 

it'll be a claim to welcome I think.

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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unsure i'll let the legal bods comment further

 

but surely if you could get 'welcome/FSCS[working on their behalf] to admit

that you were mis-sold all the other crap

then surely the whole court case falls apart...

 

if the balance was all PPI/GAP etc etc.

 

I would push the reclaim hard now you have till march?

 

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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yes ofcourse

sri I thought these had been posted

 

you can treat it the same way as ppi

 

look at no.1. link below my msg

 

the spreadsheet is right at the end

 

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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  • 3 weeks later...

Morning Update on thread.

 

 

After sending letter of complaint to welcome finance ref additional insurance policies added to a car loan.

Received letter back from welcome stating welcome in default etc etc negotions on going with FSCS to allow customers to claim back these premiums in the near future.

 

 

Also received a witness statement from IND ltd from an external account manager with documents/evidence they intend to rely on in court.

something I have noticed on this gap insurance is listed on credit agreement however on the breakdown of charges for insurances it is listed as shortfall extra ??

 

 

I have received no such direction from the local court regarding a witness statement as was clearly advised to wait for court direction.

Many Thanks

 

 

WK

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Update on post.

 

Evening.

 

Welcome finance via the FSCS have settled my claim for mii-sold ppi

it has been deducted from the balance they are claiming at court and have notified them.

 

However what they have not done is recalculated interest under section 69 of the county court act.

 

Surely they are obliged to to do this as they have admitted miss-selling.

 

Also the FSCS have sent me more paper work in order to claim all other rubbish stuck on account at conception

after I sent letter of complaint to welcome head office

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how much does this leave owing now

you can workout the section 69 on the new figure yourself

 

using the statint sheet

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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  • 2 weeks later...

Quick update not sure if I have mentioned this although I have looked through thread.

 

 

When I received my SAR from welcome finance after checking countless times I came across some paper work they had enclosed.

 

This relates to Mechanical Breakdown Recovery

underneath this it states in bold type Not applicable

however I have been charged £503.00 incl of interest.

 

I have included this in my witness statement to the court and a copy to IND.

 

Is this likely to render the agreement unenforceable?.

 

Getting rather anxious as date is looming.

 

Many thanks

 

WK

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  • 2 weeks later...

I wouldn't think it would render the agreement un-en no.

 

but you could calc what mech is worth in terms of a reclaim surely.

 

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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I agree totally, unenforceable charge for policy + interest reclaimable.

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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http://www.consumeractiongroup.co.uk/forum/showthread.php?330996-Latest-Spreadsheets-PPI-Claims-and-Charges-Claims-Dec-2011

 

statint sheet will calc the court int at 8%

 

same one for mech too

treat as ppi

 

link 1 below

 

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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Good morning.

Well was in court yesterday with WFSL.

Judgement went in favour of the claimant.

The claimant set out there reasons for bringing the claim against me.

I was then allowed to speak I pointed out to the judge the paperwork in regards to the charge for Mech Breakdown insurance paperwork which,

clearly states NOT APPLICABLE he acknowledged that and asked WFSL to explain his eplanation was flimsy at best typing error /mistake etc etc.

Judge then looked at statement of price he commented that I had signed the agreement that clearly states I will pay x amount on x day this figure included the monthly charge for mech breakdown,

so he would not allow it despite evidence to the contray.

However S69 cc interest was deducted on price of ppi even though the judge was a bit baffled as to why this had been refunded by the FSCS an not the claimant.

Judge also not happy with WFSL adding the 8% court interest before judgement being given as commented on earlier in post by DX therefore he set this at the bank of England base rate of 0.05% from the default date on account till yesterday.

So there we go.

Not entirely sure what happens next ref payments etc

Many thanks

WK

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not too bad then.

 

ok so we can now get on with reclaiming the mech?

 

so what did he judge on payments then?

 

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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Many thanks for reply Dx

No mention on payments guess I will have to contact IND LTD an make some kind of monthly offer?

Waiting on response from Direct group ref other insurance;s added to account,then I will be able to forward these to FSCS.

 

 

Never dealt with IND ref payments are they flexible or quite stern.

 

 

Cheers

 

 

WK

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Wait until you receive the General Order from court (N30) this will confirm if its Forthwith,,,you will then have to make application using the N245 to vary to monthly payment.

 

Regards

 

Andy

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

If you want advice on your Topic please PM me a link to your thread

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