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    • They have defended the claim by saying that the job was of unsatisfactory standard and they had to call another carpenter to remedy. My husband has text messages about them losing the keys a second time and also an email. What do they hope to achieve??? Most importantly,  as far as I have seen online, now I need to wait for paperwork from the court, correct?
    • The Notice to Hirer does not comply with the protection of Freedoms Act 2012 Schedule  4 . This is before I ask if Europarks have sent you a copy of the PCN they sent to Arval along with a copy of the hire agreement et. if they haven't done that either you are totally in the clear and have nothing to worry about and nothing to pay. The PCN they have sent you is supposed to be paid by you according to the Act within 21 days. The chucklebuts have stated 28 days which is the time that motorists have to pay. Such a basic and simple thing . The Act came out in 2012 and still they cannot get it right which is very good news for you. Sadly there is no point in telling them- they won't accept it because they lose their chance to make any money out of you. they are hoping that by writing to you demanding money plus sending in their  unregulated debt collectors and sixth rate solicitors that you might be so frightened as to pay them money so that you can sleep at night. Don't be surprised if some of their letters are done in coloured crayons-that's the sort of  level of people you will be dealing with. Makes great bedding for the rabbits though. Euro tend not to be that litigious but while you can safely ignore the debt collectors just keep an eye out for a possible Letter of Claim. They are pretty rare but musn't be ignored. Let us know so that you can send a suitably snotty letter to them showing that you are not afraid of them and are happy to go to Court as you like winning.  
    • They did reply to my defence stating it would fail and enclosed copies of NOA, DN Term letter and account statements. All copies of T&C's that could be reconstructions and the IP address on there resolves to the town where MBNA offices are, not my location
    • Here are 7 of our top tips to help you connect with young people who have left school or otherwise disengaged.View the full article
    • My defence was standard no paperwork:   1.The Defendant contends that the particulars of claim are generic in nature. The Defendant accordingly sets out its case below and relies on CPR r 16.5 (3) in relation to any particular allegation to which a specific response has not been made. 2. Paragraph 1 is noted. The Defendant has had a contractual relationship with MBNA Limited in the past. The Defendant does not recognise the reference number provided by the claimant within its particulars and has sought verification from the claimant who is yet to comply with requests for further information. 3. Paragraph 2 is denied. The Defendant maintains that a default notice was never received. The Claimant is put to strict proof to that a default notice was issued by MBNA Limited and received by the Defendant. 4. Paragraph 3 is denied. The Defendant is unaware of any legal assignment or Notice of Assignment allegedly served from either the Claimant or MBNA Limited. 5. On the 02/01/2023 the Defendant requested information pertaining to this claim by way of a CCA 1974 Section 78 request. The claimant is yet to respond to this request. On the 19/05/2023 a CPR 31.14 request was sent to Kearns who is yet to respond. To date, 02/06/2023, no documentation has been received. The claimant remains in default of my section 78 request. 6. It is therefore denied with regards to the Defendant owing any monies to the Claimant, the Claimant has failed to provide any evidence of proof of assignment being sent/ agreement/ balance/ breach or termination requested by CPR 31.14, therefore the Claimant is put to strict proof to: (a) show how the Defendant entered into an agreement; and (b) show and evidence the nature of breach and service of a default notice pursuant to Section 87(1) CCA1974 (c) show how the claimant has reached the amount claimed for; and (d) show how the Claimant has the legal right, either under statute or equity to issue a claim; 7. As per Civil Procedure Rule 16.5(4), it is expected that the Claimant prove the allegation that the money is owed. 8. On the alternative, as the Claimant is an assignee of a debt, it is denied that the Claimant has the right to lay a claim due to contraventions of Section 136 of the Law of Property Act and Section 82A of the consumer credit Act 1974. 9. By reasons of the facts and matters set out above, it is denied that the Claimant is entitled to the relief claimed or any relief.
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      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.
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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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help with welcome finance


mickjo1
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Hi all

please can anyone give me some advice before i contact them.

 

I got a new boiler from b/g in 2007 and they financed it with w/f

i was paying £68 pm but now i pay £80 pm.

 

I have been paying every month

but now my hours have been cut at work and i cannot afford the monthly payments and i was going to get in contact with w/f to see if i could reduce my payments to £20 pm but i have read all the horror stories from people who try to deal with them.

 

my question is

can i reduce my payments

and ask for the interest to be frozen

and can w/f add other cost on to my loan like missed payment fees and fees for sending a letter.

 

any help will be most appreciated

kind regards

michael

 

Just a bit more information for you.

I got a statement from from them in November and it had default sum interest on it. i did miss one payment about four years ago but i increased my payment and it is well payed off so i dont understand why i am still paying default interest. i did phone them up and they said i will still be getting interest on the loan as i defaulted on it.my monthly payment was £69 pm i have been paying them £88 pm for the last three years i keep getting phone calls from them asking me to increase my payments so i dont think they will accept a reduce payments even if i cannot afford to pay them the full amount. one more thing when i took out the loan they said my last payment will be on november 2017 now they say it will be march 2018.

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  • 9 months later...

Hi please can anyone give me some advice.

 

I took out a loan with welcome finance in November 2007 over a 10 years for £3907.60 paying £79.00 per month

 

 

due to being on the sick from work i missed 1 payment

i phoned them up and was told not to worry just start paying the following month.

 

i cancelled my d/d so not to get bank charges

then i started getting letters from welcome saying i was getting charged £10 for every letter they send me. This was a total of £150 i managed to get the fees waived.

 

I have sent them a Subject Access Request and got my details back this week

but they have only give me the information up to 11-12-13

i am missing 01-01-14 to date.

 

in the loan history i have been charge a total of £20 fee assessment.

 

Now they are saying because i have missed a payment its going to add another three months onto the loan

surely this cannot be right as i have been paying them £85 per month from 19-07-10

then i increased the payments to £88 from the 19-09 10

 

 

i would of thought i would pay the loan off earlier.

Sorry for the long post but i am at my wits end with this company.

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Hi mick

 

Send them a chase letter for the missing information. Also did you have PPI on the loan?

 

Send the following chase letter, fill in the xxxxxxxxxxxxxxx.

 

Account Number: xxxxxxxxxxxxxxxxxxxxxx

 

I am in receipt of the documents that you have supplied in response to my Data Protection Act information request dated xxxxxxxxxx. The disclosure of personal data is incomplete in that at least the following documents are missing.

 

1) You have failed to provide xxxxxxxxxxxxxxxxxxxxxxxxx xxxxxxxx.

2) You have failed to provide xxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxx.

 

This is not an exhaustive list by any means, it is just an example of some of the information I am missing.

 

Accordingly, I have to tell you that you have not yet complied with your obligations under the Data Protection Act 1998.

 

The time for compliance with my request has now expired. If you do not comply fully with my Subject access request within 7 days, I shall apply to the county court for an order to enforce compliance, together with damages at the discretion of the court.

 

Yours sincerely,

 

xxxxxxxxxxxxxx

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  • 2 weeks later...

Just got 3 more letters from them and they have added fees from £100 £20 loads with £10 and a load ranging from 19p -£2.10 i just dont know why they are adding fees to my account when i have been paying over the monthly instalments.

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these fees are unlawful, ask for help here on how to reclaim them

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 

 

 

 

The SabreSheep, All information is offered on good faith and based on mine and others experiences. I am not a qualified legal professional and you should always seek legal advice if you are unsure of your position.

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Thanks will do.

Ive been talking to someone at work and he said It could well be. A missed payment, with perhaps 7 years of interest on it, plus fees, could easily add up to another 3 month.

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  • 11 months later...

Hi i have a loan with welcome and my payment comes out of my bank on the 25th of each month.

I got a phone call from them asking if i will be getting paid from work early at Christmas as my payment wont reach they account until the 29th of December and if i can make a payment early so i wont incur late payment charges can they do this. she said she will give me another cal at the beginning of December to ask if will be getting paid early.

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