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    • No I get what you're saying and that is fair enough if that's the way it is, but the issue is that the Judge has agreed that I part exchanged my car against a new car but then failed to acknowledge that it was a deposit of some form. To trade my car in and get a discount of a new car constitutes as a deposit by legislation. The Judge has conflicted himself and this is where he is misinterpreting the law.  I also shouldn't have had a scrappage discount and a dealership discount together, it says so in their terms and conditions, which in itself makes the agreement improperly executed at the very least.  This may all make more sense when I upload the trial bundle, it's over 160 pages though so taking a while to redact my information 
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    • don't get too hung up on the real meaning of 'fake' in terms of the documents a claimant might produce relating to a potential court claim. by fake we typically mean, they are not obviously the 'real McCoy' ,100% associated with whatever credit they are trying to pin on punters. they are often of the right 'version' that an OC would have used for that particular take out date, but with details inserted in a diff font where they should be for say your name address DOB etc. All DCA's typically  have filing cabinets covering each year for most creditor, whip 'em out, scan and copy n paste your details onto them, even easier now with online sign ups. no hard copies ever sent cause 90% of mugs have lost them..... one of our most powerful tools is the fact any docs they produce, unless they state they are 'a reconstruction'  MUST come from the original creditor noty some hidden pile the claimants have. Link are absolute masters at this so dont stick to lowell threads. dx    
    • Driving home last night I contacted wing mirrors with a car coming the opposite way. The wing mirror folded in and the glass popped out. Very minor damage.  I stopped at the next layby (A road) to repair the mirror. A passerby stopped and said they saw the other car stopped behind me in another layby - they went back and passed over details so we could get in touch.  The conversation started cordially, but quickly got heated when I said I was well on my side and they drifted over (which is what happened).  I wasn't going to bother filing a claim as there isn't enough damage to justify it. I've said to the other party lets just call it quits as there are no witnesses and we both think we are innocent.   they said they are contacting the police and insurance and that they have witnesses. But a quick facebook search found a post by the other person saying they were in a crash, and were 'spun' off the road. Picture of a broken wing mirror and a slight scuff on the front and rear wheel arch. they are asking for witnesses. I have screenshots of the post, and sent them another message saying I can see you don't have witnesses as you are appealing for them. I'd really not drag this out. Lets call it quits and move on. this was followed by a couple of messages that didn't really make much sense. e.g. 'do the right thing'. What should I do now?  Contact police?  Contact my insurance? - Can I tell them about this incident but say I dont want to claim? Will that affect my premium?  
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Welcome Finance PPI claim - WFS going into liquidadtion


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Have had two loans with WFS - one pre 2005, one post 2005.

The latter PPI claim was settled as an offset of a claim against me.

I agreed not to make claim against WFS.

The DJ said he couldn't include the pre-2005 PPI but said I needed to make a separate claim.

 

I did so in April,

but received a letter back today saying there is no money left and WFS is going into liquidation soon

and they have been advised not to pay claims.

 

 

I would need to claim against any liquidator when appointed but I am likely to only receive a few pence in the pound.

 

My question is

- would it be advisable to take out a county court claim directly against WFS.

We are talking about £3000.

Are they likely to pay it ?

Also. can a claim be made against the insurance provider rather than WFS ?

 

Thanks.

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you go after the ins provider .

 

 

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. Do you know if anyone has been sucessful in claiming from an insurer ? It was underwritten by Norwich Union, but sold by WFS. NU will probably say they didn't do the mis-selling it was WFS won't they ?

 

Thanks

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no several wins on welcome loans ins from Norwich Union

use our search cag box of the red toolbar

yu issue might be your date though.

 

 

have you sent welcome an sar yet?

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

I sent a SAR but they could only send me the agreement.

I raised it with WFS first in 2010 but had a long drawn out court case which I eventually won based on PPI for the later loan.

 

DJ said he couldn't make a judgement on the earlier one and I'd have to raise it with WFS directly.

 

Loan was 2003.

Case was concluded in court on 1st April

I sent a claim to WFS within a few days.

 

Just got reply today so I don't think time will be an issue

- it's not me that has caused the delays.

 

WFS took nearly three years to find enough paperwork from sending the initial claim, to actually going to court, but ignorred previous issues relating to PPI prior to that.

 

I assume the claim to NU will use the same arguement that WFS have already accepted in todays letter

- It said yes we agreed we mis-sold PPI but we've no money to pay compensation.

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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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Share on other sites

  • 2 weeks later...

OK - letter received from Aviva today -

 

Having made enquiries with WFS, our policy administrators and carefully considering the information obtained,

I regret to advise that Aviva is not responsible for the sale of your insurance.

 

This is because your policy was sold after WFS became a member of the General Insurance Standards Council (GISC)

This means WFS are responsible for investigating any sales after that date.

To clarify, in the event that you choose to make a complaint to the Ombudsman about Aviva,

we will ask them to dismiss the matter on the basis that we have no responsibility for the sale of this PPI policy.

 

At the same time I sent the letter to Aviva, I also sent a 7 day 'letter before action' to WFS.

 

Reply received yesterday saying they aim to respond within 20 working days.

Spoke to a friend who is a licensed insolvency practitioner.

 

He was astounded that WFS are saying they are not paying out any liabities as they are expecting to enter liquidation in the next twelve months.

 

He says if they are still trading under any circumstances it's illegal and in fact it's a liquidators job to collect outstanding accounts from WFS debtors.

 

He suggested serving a statutory demand and see what they do.

 

Any ideas chaps ?

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bad idea IMHO.

 

 

why not ring the FOS and ask advice?

 

 

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 dx100uk,

 

I'll ring the FOS tomorrow

 

the letter from WFS said they had informed the FOS of it's position.

 

Reason I was thinking about a court summons or statutory demand is that WFS seem to pay off court judgements.

 

Demands are cheap to issue but expensive to follow through, court claims are more expensive.

 

If they continue to trade being unable to meet their obligations (IE - insolvent), they are trading illegally.

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WFS have NOT continued to trade for some time now - so that is a bit of a red herring. What they and their liquidators are doing is consolidating their books and maximising any cash flow they can get from existing loans.

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