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    • It you had E7 in the past but have converted to single rate then the meter will still hold the last recorded Night readings. This introduces scope for error when manually reading. If the meter has only ever been used on single rate then there's only one figure that can be taken. For example ours shows "Rate 1" reading and a "Total import" reading, but they both give the sme figure. If it has ever been on E7 the total will be higher, including the retained night reading.
    • okay, perfect and thank you so much for the help once again. so firstly i am going to initiate the breathing space, during this time it's likely ill receive a default. when i receive the default are you aware of how long it will take for me to know whether the OC have sold it off to DCAs? Once it's with the DCAs i do not need to worry as they cannot issue a CCJ only the OCs can Even if i decide to come an arrangement with the DCAs no point as the default will remain for 6 years paid or not paid I should only consider repayment if the OC still won the debt and then issue a CCJ? Just to confirm the default will not be seen after 6 years? No one can tell I had one then after 6 years ill be all good?
    • I'm not sure we were on standard tariffs - I've uploaded as many proofs as I can for the ombudsman - ovo called last night uping the compensation to 100 from 50 pounds for the slip in customer service however they won't acknowledge the the problem them not acknowledging a fault has caused nor are they willing to remedy anything as they won't accept the meter or formula was wrong.   I'd appreciate more details on the economy 7 approach and I'll update the ombudsman with any information you can share. 
    • To re-iterate and highlight my urgent question on this one: The N24 from the court did not include any instructions to submit paperwork 28 days before the date, unlike the N157 received for other smaller claims. Do I have to submit a WS for this court date? Link has!...
    • No, reading the guidance online it says to wait for a letter from the court. Should I wait or submit the directions? BTW, I assume that the directions are a longer version of the particular of claim accompanied by evidence, correct?
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DLC after old WElcome Finance DEbt **FOS COMPO + DEBT CLOSED**


MONTY
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Also if they put this quote in writing you need to keep it very safe

 

 

"DCAlink3.gif's argument:"

 

'With regards to any disputes on the account,

we hold separate records for you and Mrs

… it may have been the case, as in your most letter, as you state the account reference ........

 

.... only; we took this as the account was being disputed by yourself only.

 

Your recent letter contains both names and as a result we have noted our records confirming that both parties are disputing the account'.

 

Because this is a joint credit agreement then you/both can make the complaints but the DCA Must deal with you as a "Joint"

so demand they address this issue as well, but at a later stage, in as much as let them complete

1 complaint at a time then move on to the next till they get it right keep all letters from the DCA

as like this one they will be very handy and needed for for future reference please try to use the following

 

 

I/we when dealing with this joint debt then put both of your names at the end of the letter from now on ok

If I have been of any help, please click on my star and leave a note to let me know, thank you.

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Hi Monty just a quickie was the life care compulsory at time of signing as welcome tended to do this even if you did not want it? this was loaded very high

 

 

Page 2 first 2 boxes how many fees in total were added during the agreement?

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What the heck was this quote added for?

"You have no right to cancel this agreement under the Consumer Credit Act 1974, The Timeshare Act 1992 or the Financial Services (Distance Marketing) Regulations 2004."

 

Will this mean it was an unfair contract as you did not have any recourse to cancel even after a very short time?

 

Then just underneath it this quote

"If you exercise your right to settle this agreement early you may expect to pay, if you settle: After a quarter of the term has elapsed After half of the term has elapsed After three quarters of the term has elapsed"

 

This is a conflict within the contract and contradicts its self. Maybe some else will comment on this one very strange.

 

 

Also did they sell you the "GAP" insurance as well can you verify this please

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Hi Monty just a quickie was the life care compulsory at time of signing as welcome tended to do this even if you did not want it? this was loaded very high

 

 

Page 2 first 2 boxes how many fees in total were added during the agreement?

 

No insurances were taken out or charged for with this account.

 

 

I am still adding them up but there is circa £1000.00 added between first DN and that being claimed today.

 

 

It is confusing as the amount has varied between DCAs (up and down).

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What the heck was this quote added for?

"You have no right to cancel this agreement under the Consumer Credit Act 1974, The Timeshare Act 1992 or the Financial Services (Distance Marketing) Regulations 2004."

 

Will this mean it was an unfair contract as you did not have any recourse to cancel even after a very short time?

 

Then just underneath it this quote

"If you exercise your right to settle this agreement early you may expect to pay, if you settle: After a quarter of the term has elapsed After half of the term has elapsed After three quarters of the term has elapsed"

 

This is a conflict within the contract and contradicts its self. Maybe some else will comment on this one very strange.

 

 

Also did they sell you the "GAP" insurance as well can you verify this please

 

I did wonder about this wording - all very confusing.No insurance was sold with this account.

 

I note that they originally denied all knowledge of my original CCA requests ( x 3),

yet at least one was to a DCA which is part of the same group - Cattles.

 

 

I have never seen their formal response to the ICO (when they upheld my complaint) until the recent response to my SAR.

 

 

Effectively, they have not been truthful.

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I have found the T&C amongst the SAR return from the current DCA. Because the copy of the CCA was so poor I have written this out.

 

Any advice greatly appreciated

 

 

can you please upload these as PDF

 

 

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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T&C's are still jpg?

 

 

is this the ONLY loan you've had with welcome?

 

 

that doc is too pristine to be the original.

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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T&C's are still jpg?

 

 

is this the ONLY loan you've had with welcome?

 

 

that doc is too pristine to be the original.

 

Please find attached T&Cs in PDF. Yes - only loan with Welcome. are you referring to the CCA as 'pristine'? I reproduced the text as the copy provided was so poor

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[ATTACH=CONFIG]54793[/ATTACH]

 

Please find attached T&Cs in PDF. Yes - only loan with Welcome. are you referring to the CCA as 'pristine'? I reproduced the text as the copy provided was so poor

Let's see the actual copy they sent you

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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is my screen upside down

 

 

that's not ALL the T&C's required

 

 

something is wrong here

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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is my screen upside down

 

 

that's not ALL the T&C's required

 

 

something is wrong here

 

The CCA is Form 1.

The Legal Charge is Form 2 and

 

 

I am reposting the T&Cs (hopefully right way up this time!).

 

 

After 3 x CCA request I was finally provided Form 1 only - no T&Cs, no form 2 by the then CCA on the 12.04.2012.

 

 

I was only provided a complete set (attached) by the current CRA on 05.11.2014.

 

 

There are other forms a 'Demands & Needs Statement' (Form 7)

which relates to various insurances we never took out.

 

 

A Form 8 - Payment Breakdown Statement of Price (No T&Cs in this document).

 

 

A Form 9 - relates to broker fees

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pers I don't think those sheets meet the CCA request requirement

 

 

I'm sure there are T&C's missing

and I think those charges are wrong too , should they not be £12 by that time - 2008?

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. The wording of my CCA requests were:

 

Please take this letter is a formal request pursuant to s.77(1) of the Consumer Credit Act 1974. Please provide me with the following documents:

a. Copy of original agreement

b. Default Notice

c. Full and complete statements of account

 

I expect you to comply fully and properly with this request, within the statutory time limit. You are reminded that should you fail to comply with my request, the provisions of s.77(6) will apply.

 

 

My multiple request were never complied with

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that's not a CCA REQUEST

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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letter received today address to my wife only (See Post 47,48,49 & 51), from the DCA,

acknowledging receipt of the complaint and promising a response within 5 days,

once they have had the opportunity to fully investigate the points raised.

 

Not sure if this is five days from the date of the letter, in which case this would be 13.12.2014,

or 5 days from the completion of their investigations.

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It is an extract from one I used at the time, provided by this website

 

 

ideally the CCA template should not be adapted

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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