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    • Thank-you dx, What you have written is certainly helpful to my understanding. The only thing I would say, what I found to be most worrying and led me to start this discussion is, I believe the judge did not merely admonish the defendant in the case in question, but used that point to dismiss the case in the claimants favour. To me, and I don't have your experience or knowledge, that is somewhat troubling. Again, the caveat being that we don't know exactly what went on but I think we can infer the reason for the judgement. Thank-you for your feedback. EDIT: I guess that the case I refer to is only one case and it may never happen again and the strategy not to appeal is still the best strategy even in this event, but I really did find the outcome of that case, not only extremely annoying but also worrying. Let's hope other judges are not quite so narrow minded and don't get fixated on one particular issue as FTMDave alluded to.
    • Indians, traditionally known as avid savers, are now stashing away less money and borrowing more.View the full article
    • the claimant in their WS can refer to whatever previous CC judgements they like, as we do in our WS's, but CC judgements do not set a legal precedence. however, they do often refer to judgements like Bevis, those cases do created a precedence as they were court of appeal rulings. as for if the defendant, prior to the raising of a claim, dobbed themselves in as the driver in writing during any appeal to the PPC, i don't think we've seen one case whereby the claimant referred to such in their WS.. ?? but they certainly typically include said appeal letters in their exhibits. i certainly dont think it's a good idea to 'remind' them of such at the defence stage, even if the defendant did admit such in a written appeal. i would further go as far to say, that could be even more damaging to the whole case than a judge admonishing a defendant for not appealing to the PPC in the 1st place. it sort of blows the defendant out the water before the judge reads anything else. dx  
    • Hi LFI, Your knowledge in this area is greater than I could possibly hope to have and as such I appreciate your feedback. I'm not sure that I agree the reason why a barrister would say that, only to get new customers, I'm sure he must have had professional experience in this area that qualifies him to make that point. 🙂 In your point 1 you mention: 1] there is a real danger that some part of the appeal will point out that the person appealing [the keeper ] is also the driver. I understand the point you are making but I was referring to when the keeper is also the driver and admits it later and only in this circumstance, but I understand what you are saying. I take on board the issues you raise in point 2. Is it possible that a PPC (claimant) could refer back to the case above as proof that the motorist should have appealed, like they refer back to other cases? Thanks once again for the feedback.
    • Well barristers would say that in the hope that motorists would go to them for advice -obviously paid advice.  The problem with appealing is at least twofold. 1] there is a real danger that some part of the appeal will point out that the person appealing [the keeper ] is also the driver.  And in a lot of cases the last thing the keeper wants when they are also the driver is that the parking company knows that. It makes it so much easier for them as the majority  of Judges do not accept that the keeper and the driver are the same person for obvious reasons. Often they are not the same person especially when it is a family car where the husband, wife and children are all insured to drive the same car. On top of that  just about every person who has a valid insurance policy is able to drive another person's vehicle. So there are many possibilities and it should be up to the parking company to prove it to some extent.  Most parking company's do not accept appeals under virtually any circumstances. But insist that you carry on and appeal to their so called impartial jury who are often anything but impartial. By turning down that second appeal, many motorists pay up because they don't know enough about PoFA to argue with those decisions which brings us to the second problem. 2] the major parking companies are mostly unscrupulous, lying cheating scrotes. So when you appeal and your reasons look as if they would have merit in Court, they then go about  concocting a Witness Statement to debunk that challenge. We feel that by leaving what we think are the strongest arguments to our Member's Witness Statements, it leaves insufficient time to be thwarted with their lies etc. And when the motorists defence is good enough to win, it should win regardless of when it is first produced.   
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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.

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Welcome says My £12k CCA Regulated secured Loan will now become a mortgage!


Baz1994
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Just a thought but on the electoral register forms that you fill in,

 

 

did you ask to be omitted from the edited version?

 

 

If you didn't they can trace you that way, or they may have used tracesmart website.

 

From there they could use social media to find your workplace, its not that hard sadly.

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  • 1 month later...

Well when I thought everything was progressing well with my complaint,

I now today received a letter and another questionnaire to be completed from dial4 A Loan ?

 

I spoke to Welcome Finance Complaints dept and they advised that complaint has now been passed to the broker ?

Does anyone know if this is correct or experienced the same thing ?

 

Is it just another stalling tactic by Welcome ?

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yes they are welcome in sheeps clothing

 

even in the same building I think

 

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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Thanks

so that clarifies that then

 

but they are saying that they cannot pass on previously submitted details ???

 

Its becoming rather annoying now and rather frustrating.

 

There isn't even a telephone contact number for dial4 A Loan

 

- does anyone know why this is ?

 

I will have to resubmit details to dial4 A Loan ?

 

 

I am a bit confused as I have no correspondence from them only details from Welcome ?

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have you still got the copy of the FOS questionnaire

spready etc etc

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 I have thanks dx and up-dated spreadsheet.

 

 

Shall I just copy and re-send to dial4 A Loan ?

 

 

Do I need to contact FOS or just await reply from Dial 4 A Loan ?

 

 

At the end of my tether with these cowboys at the moment !

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sadly i'd resend the whole package again to d4l.

 

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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Share on other sites

Ok thanks again and will do so now. Will keep you posted on developments.

 

Sorry for a daft question

but what is the relation between dial 4 a loan and Welcome finance ?

 

 

Are they the broker ?

 

 

Also the PPI policy is with Norwich Union and trust they are the Underwriter ?

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  • 4 weeks later...

Just received reply from Dial4aLoan rejecting my complaint

due to complaint not being made within six years of sale ?

Also that they were not regulated by the FSA as sale was made before 2005 ?

 

They are now suggesting that I refer the complaint to Welcome again or Norwich Union ?

 

Any further help what to do next would be very much appreciated

or am I wasting my time as I am at the end of my tether with this lot :x

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no such time limit on ppi claims

 

they are not covered by the limitations act

 

its when you realise it been missold the clock starts

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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Thanks dx - is there a standard letter to reply with ?

 

Does the policy with Norwich Union / Aviva actually exist as been requesting details but to no avail ?

 

how can I find out if Aviva / Norwich Union subscribed to GISC Code ?

 

Do I now consider presenting misselling details to Underwiters ?

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go back to d4l retort the 6yrs and read the first 3 links here

upon the time line of ppi guidelines

 

http://www.financial-ombudsman.org.uk/publications/technical_notes/ppi/rules-codes.html

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...

Apologies but I'm a bit of a novice at this but will try to explain as briefly as possible.

 

I took out a Secured Loan with Welcome Finance in November 2003 in which I was miss-sold PPI.

I received the relevant questionnaire from Welcome in which I completed and returned.

 

Next I receive a letter from Dial4aLoan (same address as Welcome?)

saying that they have been passed complaint details by Welcome Finance for investigation

and can you kindly provide Copy of Agreement details showing

insurance premium, documents relating to Dial4aLoan sale, status of account etc ?????

 

I have no recollection of ever having any contact with Dial4aLoan (obviously the Broker)

or ever receiving details from them but only with Welcome Finance / Progressive Financial Services ?

 

I spoke to Welcome about this who were rather unhelpful and said that the matter had been passed to the Broker to deal with.

 

I then had to write to Dial4aLoan (No telephone number provided ?) in which I received a reply stating that I would have to send £10 for details of the account to proceed or revert complaint back to Welcome or Norwich Union / Aviva .

 

last week I sent the standard SAR letter to Dial4aLoan with £10 cheque

(which has been cashed) requesting their response within 40 days.

 

Today I received their reply thanking payment and please find enclosed documentation that they hold on my file.

All they have supplied is a couple of badly photocopied dial4aLoan Broker Commission statements,

a BACS Remittance Advice letter from Welcome to Dial4aLoan again showing their commission, and copies of my previous correspondences to them !!!

 

Am I missing something here

was expecting a lot more as per SAR letter conditions ?

 

Any help would be appreciated as what to do next as this is becoming rather frustrating.

 

I have a Secured Loan with Welcome Finance since Nov 2003 in which is still active and on checking my Deeds from Land Registry they are not named on it but a company Progressive Loans ?

 

Sorry for a stupid question but does that imply that Welcome have no hold on my property and therefore it is not Secured by them ?

 

Can someone also advise when is or is not a Secured Loan enforceable ?

 

I am trying to complete spreadsheet - What Interest rate % do you enter ?

 

Also found the Fee Reclaim Letter as advised

but it mentions mortgage but mine is in respect of a Secured Loan,

sorry for silly question but is it one of the same or do I just change certain details ?

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just change the name of the account in the letter

 

you use their APR

 

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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Thanks dx, so I have an APR of 20.1% (Welcome Finance) so just enter that ?

 

Also I have various charges

i.e

  1. unpaid direct debit,
  2. conversion default fee,
  3. conversion default interest,
  4. capitalisation fee,
  5. telephone charges and
  6. default sum fee interest.

Which of these can I not try to claim back ?

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rule of thumb is the fixed sum re-occurring ones.

 

however

 

1,2,3,5,6

 

what about letter?

 

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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TBH, I dont really understand the question.

 

It is my understanding that Welcome finance is part of Cattles plc and Progessive finance is the name Welcome used to use until about 3 years ago.

 

I believe they then changed their name officially from Progressive Finace Ltd to Welcome Financial Services Limited.

 

As for your other question regarding whether or not the loan is enforceable - we would need to see a copy of the original agreement to determine that.

 

Are you still making payments to the loan ? Is it up to date with no arrears ? Is there any Payment Protection Insurance attached that might have been mis sold - a lot of Welcome finance PPI was. If so, then you could make an attempt to reclaim this.

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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Many thanks for your reply and thought as much, just checked Credit Agreement smallprint and does state trading as WFS.

 

Yes I am still making contractual payments on the loan but Welcome are chasing for some old arrears from 2008 hence my question. I refuse to settle until proof provided.

 

As for PPI, I have already submitted complaint but WFS passed to Dial4aLoan ????? Its all getting a bit complicated as SAR details received were atrocious and incomplete !

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If the SAR was incomplete then you can either ask them for the data you believe to be missing or escalate your complaint to the Information Commissioner.

 

I am not sure how Dial4aloan enters the equation !! If they have gone past the 8 weeks for your complaint to be dealt with, then you can escalate that to the Financial Ombudsman :)

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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Thanks again for your reply but it seems that WFS have just passed to Dial4aLoan who were the broker supposedly ?

Have no recollection of any dealings with them only WFS and still no forthcoming info confirming this ?

 

I have also submitted a SAR to WFS anyway to see what they come up with.

 

 

Regarding Dial4aLoan reply, they still have another 30 days to respond but seems like their final response ?

 

 

Should I follow-up requesting they confirm this and take it from there ?

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Yes, ask them to confirm they have issued their final response because you have only 6 months from that to make a complaint to the Ombudsman :)

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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