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    • I’m worried that if uni will expel me after knowing the shoplifting thing. I feel shameful about what I’ve done and I was kind of out of mind when I need money to survive. I will never do this again. 
    • There won't be any more amendments but please do upload The final version because other people who need similar help might find some of the contents useful
    • Thanks for the feedback. I have added the new paragraph 47 to my version of the WS / court bundle as per the feedback. I won't be uploading an updated version of the WS / court bundle here, given there is no other changes needed to the previous WS / court bundle uploaded yesterday (post #244). I will now get 2 copies of the updated final WS / court bundle printed and ready to post to the Court and to Evri. For reference, the date for filing the bundle is 24th May at the latest - this is 14 days before the hearing date of 7th June. I'll keep you all updated on if Evri reaches out to me before the trial date. 
    • Hi. I think you already know that stealing isn't the way to live in the UK. You could ask for advice from the student welfare people at your university who should be able to tell you about how to deal with this and refer you to legal advisors if you need them. HB
    • I did call the police both in the UK and in my country but both of them said no way to get the money back now. I tried my best not panic but it indeed influenced my life in many ways, the only thing I could do is start therapies. It happened around February- March, so I started to do this shoplifting thing to cover my rent and everything from the end of March, it’s been a month now… today it my first time to get caught. I know it’s very very bad, I seriously didn’t want to do this at all. But luckily I just saw an message from HR, they asked me to have an online interview next week. I’ll stop this behaviour and wish my messed up life back to normal soon 
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I had an associates loan back in 2001.


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Cheque today from Citi, banked this afternoon :)

 

Great result!!!

 

I wonder if I should be that lucky.

 

 

I had an associates loan back in 2001.

 

 

I have my original hire purchase agreement with both PPI and GAP insurance selected but not wanted.

 

 

It's with Citi financial Europe at the moment.

 

 

What do you think my chances are as it was a lot of money.

 

 

I paid £79 a month for 4 years for the PPI and Gap!!!!

 

 

They have sent me 2 letters stating it is being investigated so fingers crossed

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Hello and Welcome,

 

I have started a new thread for you.

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

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I'd be sending them as sar.

 

 

even though you do have the agreement etc

 

 

the statements might be useful.

 

 

did you send them the FOS CQ

 

 

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

 

 

and do a spreadsheet?

 

 

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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welcome

 

 

what welcome finance?

 

 

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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please post up agreement minus personal details

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 

 

 

Any help I am able to give is from my own experience only. Should you have any doubt you should contact a qualified professional.

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citi never had any dealings with welcome finance

 

 

this is really weird.

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

Can't upload agreement

 

 

it's a agreement with Associates Capital Corporation in the corner with a breakdown of costs and ppi/gap etc.

 

 

As said it's a Hire Purchase agreement.

 

 

This agreement was made on 18/06/2001.

 

 

After this date Welcome Finance bought this agreement and I made my payments to them.

 

 

I complained to them but was told that as they didn't sell it then I would have to go to Citi Financial who were trading as Associates back in the day.

 

 

I did this and then on Friday got a letter from them saying it's Welcome who should be dealing with it.

 

 

After a few phone calls to Citi they tell me that as it's a Hire Purchase it's not them but Welcome who should deal with it.

 

 

After a call to Welcome they say they aren't looking at it and I can claim through their underwriters as they didn't sell me the policy. WHO IS RESPONSIBKE????? PLEASE HELP

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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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the experts here will yes

 

 

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

so citi are your target then.

 

 

have you tried an sar to get the statement to see where the money went.

 

 

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

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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the associates/welcome hp mentioned in this thread post#772 -so maybe some further info in thread

 

 

"The credit agreement is not welcomes own HP agreement but the associates - although welcome have registered the debt it is actually an associates corporation plc debt. I have not recived any deed of assignment and none is in my DSAR. now that puts a total different spin on this wheel i think"

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?37780-Welcome-Finance-any-dealings

 

 

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 

 

 

Any help I am able to give is from my own experience only. Should you have any doubt you should contact a qualified professional.

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