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    • I sent in the bailiffs to the BBC. They collected £350. It made me smile.
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    • Hi @BankFodder
      Sorry for only updating you now, but after your guidance with submitting the claim it was pretty straight forward and I didn't want to unnecessarily waste your time. Especially with this guide you wrote here, so many thanks for that
      So I issued the claim on day 15 and they requested more time to respond.
      They took until the last day to respond and denied the claim, unsurprisingly saying my contract was with Packlink and not with them.
       
      I opted for mediation, and it played out very similarly to other people's experiences.
       
      In the first call I outlined my case, and I referred to the Contracts (Rights of Third Parties) Act 1999 as the reason to why I do in fact have a contract with them. 
       
      In the second call the mediator came back with an offer of the full amount of the phone and postage £146.93, but not the court costs. I said I was not willing to accept this and the mediator came across as a bit irritated that I would not accept this and said I should be flexible. I insisted that the law was on my side and I was willing to take them to court. The mediator went back to Hermes with what I said.
       
      In the third call the mediator said that they would offer the full amount. However, he said that Hermes still thought that I should have taken the case against Packlink instead, and that they would try to recover the court costs themselves from Packlink.
       
      To be fair to them, if Packlink wasn't based in Spain I would've made the claim against them instead. But since they are overseas and the law lets me take action against Hermes directly, it's the best way of trying to recover the money.
       
      So this is a great win. Thank you so much for your help and all of the resources available on this site. It has helped me so much especially as someone who does not know anything about making money claims.
       
      Many thanks, stay safe and have a good Christmas!
       
       
        • Thanks
    • Hermes and mediation hints. https://www.consumeractiongroup.co.uk/topic/428981-hermes-and-mediation-hints/&do=findComment&comment=5080003
      • 1 reply
    • Natwest Bank Transfer Fraud Call HMRC Please help. https://www.consumeractiongroup.co.uk/topic/428951-natwest-bank-transfer-fraud-call-hmrc-please-help/&do=findComment&comment=5079786
      • 33 replies

Welcome Finance/Lewis Debt Recovery/


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Have a bit of a problem with the duo above.

 

I had a welcome loan which I defaulted on and was initially passed to Lewis Debt Recovery.

 

I agreed a payment plan with Lewis and set up a standing order which has been going out since 2009,

 

the last payment was made in December.

 

Haven't heard a peep of Lewis since so as far as I was concerned everything was fine.

 

I received a letter from Welcome Finance today notifying me that I have been served under section 87 with a default notice

and that they may exercise their rights to enforce collection unless I clear the arrears before 24th January.

 

Can they issue two default notices on the same account as I already have one from 2009

and I have not missed a payment since agreeing a payment plan which I would like to continue.

 

Can someone please advise me the best way to approach this situation with Welcome

 

I would like some advice prior to speaking to them on the phone on Monday.

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Hi and welcome to CAG.

No they cannot serve a second default notice. One debt, one default.

 

If you are planning to phone them, record the call in any way you can. They do not need to know that you are recording. If you cannot record, I recommend writing as what they may say on the phone, they would never dare put in writing.

 

Do you know if any charges were added to this account and did you have PPI? On some welcome loans it was stipulated that the debtor had to have PPI to be guaranteed the loan.

 

If you don't know, send Welcome a Subject Access Request to get all your statements and account info for the account.

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

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moved to the welcome finance forum

have a GOOD read of several threads here.

 

was this the ONLY welcome loan?

when did you take it out?

what was it for?

 

tell us the full story please

 

FYI: lewis ARE welcome finance, so something smells here

 

but have recently sold most of their active accounts to IND.

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 took the loan out in 2006 for a car. This was the only loan I took out with Welcome. I don't know if PPI is on this account or if any charges are applied I think it may well be worth requesting an SAR. So will give that a try and see what happens.

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I think you'll find they owe you now...

 

I think I've only ever seen one car finance agreement

whereby there was no PPI or GAP or mech breakdown cover at all.

 

if you've been on the plan for all this time

I bet the lead up to it had welcome

on the phone and writing to you nearly every day.

 

ALL of these would have cost you +£10 each time in a penalty fee they charge

 

you can reclaim THEM ALL at their int rate.

 

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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