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    • It will be very helpful if you could space your posts a bit more. Well space makes it much easier for people to engage with – especially when they are looking at it on a small screen. I'm not sure how long ago was that curries could ever have been considered an excellent retailer. They've always been curmudgeonly about their customer support. All I can say is that there were times when they were maybe a better retailer because at the moment things are very bad with them. If you used have an account here then maybe we can merge them if you still have access to the old email address that you used. We weren't around in the eighties. We started in 2006. I don't see why you think that your previous history with curries should influence their standard of customer-dealing with you. Big Fail. Also, yes – failure to use a credit card – Big Fail.   I've had a look at your letter of claim. I can't believe that this is the standard of stuff provided by Which magazine. It really is verbose and goes into all sorts of irrelevant details – and in case you haven't understood it yet, Currys don't care about the problems they have caused you, whether or not their behaviour is unacceptable, your level of exasperation – you attempt to be reasonable to them by proposing some kind of negotiation (what on earth is there to negotiate here? You paid 100% of the money and you want 100% of what you paid for. Is there a problem with that?) Have you sent this letter of claim yet? You better let us see your proposed particulars of claim before you click them off. I have no idea why you went to Which – when you know that we exist and you've been here before.     Also, I have just noticed that you have given them 28 days to respond. Bless!
    • Yep, should have made sure all were defaulted, sucked up the bad credit for 6 years (which I had anyway) .
    • I've just tried to apply for a mortgage and noticed vodafone have dropped a default on my account on my final bill by mistake. WTH. Stress like you would not believe. Anyone else had their credit report ruined by Vodafone.. And advice? 😢
    • Hi. Thanks very much for taking the time to read and respond to this post. I was a CAG member many years ago under a different username and I think it was you that helped me then, with a few DCAs. Thankfully, with help from this forum, that's all behind me now. Anyway, as far as this issue is concerned; the only reason that I contacted the manufacturer is because they just would not deal with me at all unless I did so, so even though I knew they were in the wrong (and I told them so many times, quoting CRA2015) I just thought that it might make it easier if the manufacturer would put it in writing that there is a fault. To be honest, at the start of all of this I assumed that Currys were still the excellent retailer that I was used to and have been using since I can remember. I don't really know when they started, but I am pretty sure that I have been buying from them since the 80s (a walkman I think - showing my age there!) although I hadn't done so more recently. I honestly thought that when the manufacturer confirmed that there was a fault Currys would do the right thing. I am shocked at how terrible they have become. I have attached my LBA. I downloaded the template for this from the Which website. It's slightly different to the last time I used an LBA, against a car dealer. There's a bit in there about Paypal. Unfortunately I used Paypal, in hindsight I wish I had used a credit card because I could probably then use section 75 (another thing I learned from CAG a few years ago).  Again, I didn't foresee any problem with Currys because of my history with them. lba currys.docx
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    • I sent in the bailiffs to the BBC. They collected £350. It made me smile.
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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

Welome FInance Secured Loan :(

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Hi Folks, I hope someone can provide me with some helpful advice!


Several years ago my husband passed away after a long illness with cancer.


I am now in a position where my daughter and I would like to move home.


Cut a long story short about how I found out but it appears my husband took a loan out with Welcome Finance some years ago (approx. 11 years ago) which was somehow without me knowing secured on our property (joint names, now in my sole now since he died).


At the time he would of been in full time employment.

I have since found in his paperwork some information relating to this

and where it says homeowner signature he has signed my first initial and married surname.

At the time we would not have been married.


I have only ever had one letter from anyone who he owed this much money to and on the letter it said £27k.

I returned it with a letter and copy of his death certificate and heard nothing since from welcome or anyone else at all in relation to this


on investigating further the charge is under the name of Progressive Financial.

I assume this is their parent company.

The paperwork I have found suggests the loan was for £10k.

The charge is obviously considerably more, I presume this is interest.


I have loads of questions obviously.


THe first one being is this a legal charge since I was joint owner and didn't sign the loan agreement at all.


Secondly, if it does turn out its legal and the charge is on the property can I get it taken off now he has died and the property is in my sole name?


If not,

then the paperwork I have found suggests he took out a hefty payment protection and critical illness cover which should have covered him for when he left work surely and subsequently passed away.


can find no evidence of him having made any payments at all towards this loan and never have any correspondence from them.

It was also not on his credit file nor mine.


I'm worried about contacting them to ask about everything as feel it may open a can of worms and they will want their money and/or repossess force me to sell my home. Can they do that?

What would happen if they did?


Bit of a strange one but obviously if i'm going to sell my home this will make a big difference to the amount of equity I have in it and my ability to move!


Any advice gratefully received!!


Thanks in advance!


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progressive finance were one of their spin offs to fleece more people out of PPI etc etc.

as you've found.


your issue here is he forged your sig so I would expect the loan and the charge is in both names


welcome still exist, but most progressive finance loan were sold to Prime/Alpha credit


can we see the text of the charge please verbatim as its written [minus pers info ofcourse]

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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Thankyou for the reply. I will dig out what i have on the charge listing and post.


He didnt forge my signature as such.


I dont want to use my real name for obv reasons so lets pretend my maiden name was smith and my married name was gardener.


The agreement has my details as S Gardener.

At that point i wad still s smith we wernt married.


The only S Gardener at that point was our then 18 month old daughter!


Does that make a difference?


In effect their agreement has totally the wrong name on it!

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