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    • Question: My wife received a couple of cheques (1 in Jan and 1 in Feb) from HSBC apologising how she was dealt with back in, yes, 2008. Now should we inform HSBC of our current address because they were forwarded from our previous one? The reason I ask is that redirect from Post Office expires in September.
    • not sure what you think is going on but they are nothing to do with any official court forms... it's merely a process and fleecing debt buyer must go thru should they be thinking of requesting northants bulk issue a speculative court claim on their behalf.   just send it as is dont change it.   as for d: just put .....the debt purchaser has yet to provide any or all of the required documentation.   dx    
    • if you type in auxillis is our search top right in the red banner you'll see this con over auxillis and supposed courtesy cars , but it's not its an HP agreement is well known here.   9/10 it's ends up with you fronting a court claim out of your own pocket for auxillis against the other parties insurance company that you don't stand a chance of ever winning for a claim against them for the excessive HP hire car costs you got scammed with.   may i be frank that whomever told you looking at the circumstances of you incident that you'd ever win a claim and it not be 50/50 was wrong.   you were in a narrow road in a housing estate with cars parked down one side on a blind sweeping bend exceeding the speed you should have been doing for the stated weather conditions. running into someone's side that pulls out infront of you in such an area and it being where you live too so you know it well would never be the other parties sole fault even without the poor weather. if this were to go to court IMHO you would lose.   sadly shows you were not p'haps driving with due care and attention. hence your ins companies stance.
    • I did see not to give those details out, but as these could wind up official court forms, I dont want to be on the wrong side of it.   the areas in boxes D and I, is it ok to say ""refer to appendix A, refer to appendix B"? There s a REALLy long list of "what the hell" I want out of them as this is making zero sense. Not only that, I've got a long list of "this is the hell" I need to send back in the dispute too.
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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
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Welcome, PPI reclaim from 2002 **WON THRU AVAIVA +£2k**


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Hi all,

 

I have been a member of the site for many years, and was given great info about reclaiming bank charges years ago, thanks for that.

 

However, my problem is now with Welcome.

 

 

After scouring the Welcome forum for months I decided to go for the PPI on the loans I had with them, and through the info from this site I managed to get back a good bit of cash, again thanks, but Welcome used the refund to pay off an outstanding balance on my last loan, which I thought had been paid off, since found out why it is still open, but that's another story.

 

However, after returning to this site I figured that there may now be charges I can reclaim, so after reading up on many stories and gathering advice, I sent off my £10 and £1 postal orders to Welcome for my CCAs and a SAR and this is when the problem began!!!!

 

My first letter went to Welcome on February 10 and since then I have four letters from Welcome saying they can't prove who I am and each time I have sent them new proof.

 

 

To date I have provided them with

One of my original loan agreements, which shows my previous address, it was only one I had

 

Letter from solicitor after sale of my previous address, showing full payment to Welcome for a secured loan

 

Letter from Welcome Finance showing loan balance paid off, this was from my previous address.

 

A bank statement showing current address

 

Telephone bill from current address

 

Letter, to my current address, from Welcome regarding a successful PPI claim

 

Letter, showing current address, from FSCS regarding my PPI claim

 

Birth certificate

Divorce decree

 

Welcome keep asking me for a passport, driving licence, firearms certificate or a police ID card and I have repeatedly told them, in letters and emails that I cannot provide these as I suffer from Graves Eye Disease so don't drive, I have not been abroad for more than 10 years and my passport expired about 7 years ago so don't have a valid passport, I do not own a gun so do not have a firearms certificate and I do not have a police ID card.

 

Again I received another letter today and after scouring the house have sent them my latest pension plan and a copy of my telephone and Virgin media bill.

 

When applying for my PPI I didn't have to send this much documentation, and I have asked the person dealing with my latest request to confer with the person who dealt with my PPI.

 

 

So if these latest documents don't work, apart from standing outside their Nottingham offices with my name in bright neon lights, I have no idea what else I can send them to prove who I am.

 

And bearing in mind they have written to me four times and I have replied to each letter with further proof of who I am!!!!!

 

Does anyone have any advice about this????

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unless the charges were within the last 6 yrs you cant reliably reclaim them.

 

the only way you could would be if the PPI reclaim revealed they were solely caused by the PPI being charged

 

as for the off set to outstanding sums

part of the FSCS remit is they must do this.

 

there is no point in sending CCA requests for loans that have been settled

the agreement is over.

 

you don't need to supply any other ID info other than a current CTAX bill and proof of name change

if that's their issue

 

if you've don't this then send them the failed SAR letters from our library

but

as I said at the start

if the charges don't meet the criteria its a waste of time.

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 for that DX.

 

The charges will be from more than 6 years ago so it probably isn't worth chasing it.

Don't think there would have been many charges on older accounts because I always made sure to pay them,

 

 

thought there would be a few on last loan because I thought it was paid off but later found out it wasn't. However this is also more than 6 years old so no point in chasing it.

 

Was also hoping Welcome would supply me with info on 2 loans before 2005 to see who supplied the PPI, because my successful PPI claim was for after 2005. Would Welcome be able to help me with this?

 

Regards

 

alabalafala

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well we know who all the insurers were here already

just read a few like thread

usually resolves to aviva

 

 

.

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 have been doing that this morning and found a few companies who did the PPI for Welcome so will I send a SAR and CCA to them to see if they have my details?

 

Thanks for your help, it's much appreciated.

 

Regards

 

alabalafala

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as I said before little point in a CCA the agreement is long settled so the act does not apply.

 

 

why not ring them its a lot easier.

then if they indicate movement raise an sar

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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Will do DX, have been through the forum and found phone numbers so will give them a call, but do I not need to have the account numbers for the loans, I don't have those, hence the reason for the CCA to Welcome? Should I wait for a reply from Welcome or just phone Aviva?

 

Regards

alabalafala

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no good without numbers

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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Hi just quick update.

 

Finally manged to get my accounts numbers, and dates loans taken out, from Welcome and you were right DX they were with Aviva.

 

Have now called Aviva and they were really helpful and are now looking into my claim. Just a waiting game now.

 

Thanks for the advice DX much appreciated.

 

Regards

 

alabalafala

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  • 1 month later...

Final update: Aviva have been fantastic and I have now received my PPI payment from them.

 

Even though the documents I sent to them for proof of identity were the exact same as those I sent to Welcome, Aviva had no trouble what-so-ever, accepting my items and got all my details from Welcome and have made payment to me this week.

 

A donation to the site will be forthcoming.

 

Alabalafala

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Great news!!

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

What date was the loan takes out please?

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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Hi DX

 

The loan was taken out in 2002, and was for £2,500, which was paid off in full and with no missed payments.

 

I used the spread sheet on the site to work out what I would get back in PPI, and it came out at £700 and some change, so you can imagine my delight when Aviva paid me back £1,408.54. :-D I obviously did something wrong with the spreadsheet lol.

 

Alabalafala

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now that is a wonderful result!

not for the fact of the money [you probably changed the claim to date from its default on the statint sheet?]

 

but that its from 2002!!

 

that shows that what welcome say is a load of ole twaddle...they were not regulated at that time.

 

this is good news for lots of people that have had claims refused..and there are hundreds here.

 

thread title updated.

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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  • 3 weeks later...

Sorry to thread jump but im in the process of doing this with Barclays bank.

 

They keep sending me letters to which i keep replying to them but they keep asking for proof I am living at the address I provided.

Im not a permanent resident or responsible for any of the bills for the house so therefore i am unable to provide what they ask, council tax, utilities, bank statements etc and they wont accept their own correspondence as being proof! I no longer have a passport.

(same address i lived in at the time of having the bank account and obviously im getting my mail they send to that address).

 

They closed the 2 nearest branches to where i live so i now have a 40 minute commute to go in person, as they wont accept photocopies in post, even if i had them.

 

Any ideas what I can do?

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start a new thread

of your own please

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...

Hi jm2k,

 

Sorry to hear you are having the same problem and unfortunately I have no tips for you.

 

As I said, Welcome would not accept my proof of identity, but Aviva were more than happy with the things I sent, so not sure how each company works, sorry.

 

Hope you get it sorted soon.

 

Regards

Alabalafala

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