Jump to content


  • Tweets

  • Posts

    • Should this to be take into court with him or should he send something in earlier?
    • This is the other sign  parking sign 1a.pdf
    • 4 means that they need to name and then tell the people who will be affected that there has been an application made, what the application relates to (specificially "whether it relates to the exercise of the court’s jurisdiction in relation to P’s property and affairs, or P’s personal welfare, or to both) and what this application contains (i.e what order they want made as a result of it) 5 just means that teh court think it is important that the relevant people are notified 7 means that the court need more information to make the application, hence they have then made the order of paragraph 1 which requires the applicant to do more - this means the court can't make a decision with the current information, and need more, hence paragraph one of the order is for the applicant to do more. paragraph 3 of the order gives you the ability to have it set aside, although if it was made in january you are very late. Were you notiifed of the application or not?    
    • These are the photos of the signs. At the entrance there is a 7h free sign. On some bays there is a permit sign.  Also their official website is misleading as it implies all parking is free.  I can't be certain of the exact parking bay I was in that day, and there was no PCN ticket on my car and no other evidence was provided.  parking sign 2.pdf
    • Hi, In my last post I mentioned I had received an email from SS who were asking me to hand over the keys to my mother’s flat so they could pass them to the Law firm who have been appointed court of protection to access, secure and insure my mother’s property.  Feeling this, all quickly getting out of my hands I emailed ss requesting proof of this. I HAVEN’T HEARD BACK FROM SS.  Yesterday, I received an email (with attached court of protection order) from the Law Firm confirming this was correct (please see below a copy of this).  After reading the court of protection order I do have some concerns about it:   (a)   I only found out yesterday, the Law firm had been appointed by the court back in January.  Up until now, I have not received any notification regarding this.  (b)   Section 2   - States I am estranged from my mother.  This is NOT CORRECT    The only reason I stepped back from my mother was to protect myself from the guy (groomer) who had befriended her & was very aggressive towards me & because of my mother’s dementia she had become aggressive also.  I constantly tried to warned SS about this guy's manipulative behaviour towards my mother and his increasing aggressiveness towards me (as mentioned in previous posts).  Each time I was ignored.  Instead, SS encouraged his involvement with my mother – including him in her care plans and mental health assessments.   I was literally pushed out because I feared him and my mother’s increasing aggression towards me. Up until I stepped back, I had always looked after my mother and since her admission to the care home, I visit regularly.   .(c)    Sections -  4, 5 and 7  I am struggling to understand these as I don’t have a legal background.  I was wondering if there is anyone who might be able to explain what they mean.  It’s been a horrendous situation where I had to walk away from my mother at her most vulnerable because of; ss (not helping), scammer and groomer. I have no legal background, nor experience in highly manipulative people or an understanding of how the SS system operates, finding myself isolated, scared and powerless to the point I haven’t collected my personal belongings and items for my mother’s room in the care home.  Sadly, the court has only had heard one version of this story SS’s, and based their decision on that. My mother’s situation and the experience I have gone through could happen to anyone who has a vulnerable parent.    If anyone any thoughts on this much appreciated.  Thank you. ______________________________________________________  (Below is the Court of Protection Order)  COURT OF PROTECTION                                                                                                                                                                                   No xxx  MENTAL CAPACITY ACT 2005 In the matter of Name xxx ORDER Made by  Depty District Judge At xxx Made on xxx Issued on 18 January 2024  WHEREAS  1.     xxx Solicitors, Address xxx  ("Applicant”) has applied for an order under the Mental Capacity Act 2005.  2.     The Court notes (my mother) is said to be estranged from all her three children and only one, (me) has been notified.  3.     (Me) was previously appointed as Atorney for Property and Affairs for (my mother).  The Exhibity NAJ at (date) refers to (me) and all replacement Attorneys are now officially standing down.  4.     Pursuant to Rule 9.10 of the Court of Protection Rules 2017 and Practice Direction 9B the Applicant 2must seek to identify at least three persons who are likely to have an interest in being notified that an application has been issues.”  The children of (my mother), and any other appointed attorneys are likely to have an interest in the application, because of the nature of relationship to (my mother).  5.     The Court considers that the notification requirements are an important safeguard for the person in respect of whom an order is sought.  6.     The Court notes that it is said that the local authority no longer has access to (my mother’s) Property.  7.     Further information is required for the Court to determine the application.  IT IS ORDERED THAT  Within 28 days of the issue date this order, the Applicant shall file a form COP24 witness statement confirming that the other children of (my mother) and any replacement attorneys have been notified of the application and shall confirm their name, address, and date upon which those persons were notified.  If the Applicant wishes the Court to dispense with any further notification, they should file a COP9 and COP24 explaining, what steps (if any) have been taken to attempt notification and why notification should be dispensed with.   Pending the determination of the application to appoint a deputy for (my mother), the Applicant is authorised to take such steps as are proportionate and necessary to access, secure and insure the house and property of (my mother).   This order was made without a hearing and without notice.  Any person affected by this order may apply within 21 days of the date on which the order was served to have the order set aside or varied pursuant to Rule 13.4 of the Court of Protection Rules 2017 (“the Rules”).  Such application must be made on Form COP9 and in accordance with Part 10 Rules.              
  • Recommended Topics

  • Our picks

    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 161 replies
    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
        • Like
  • Recommended Topics

two welcome finance loans


toshyboy
style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 1684 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

Cheers dadofholly

 

What do u think Welcome would do if MH return to them.

 

Do you think they would issue or try another DCA?

 

Ive read on here that theyre desparate to collect so im worried they may just issue straight away

 

Thanks

Link to post
Share on other sites

  • Replies 97
  • Created
  • Last Reply

Top Posters In This Topic

Top Posters In This Topic

Posted Images

They can issue a claim but they won't. They know they cannot enforce the debt without the terms and conditions. Nor can they enforce while the account is in dispute.

 

They may try and send it out to another DCA - but there are template letters on this site to deal with that if they do.

 

Welcome rarely issue claims especialy if they know they can't win.

Link to post
Share on other sites

Still no good, just tell them again account i dispute end of story,

totally unacceptable.

Brig.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

Link to post
Share on other sites

Just send them a short note saying you have already stated you position and that they have still failed to comply with you CCA request. State that you now consider their activities to be one of harrasment, and tht you will no longer respond tho any of their letters untill thay fully comply with your CCA request. And enclose a copy of the original account in dispute letter.

Link to post
Share on other sites

Hi Guys

 

Further development today - I had a statement through today from MH, not for the welcome loan however, for a debt i had with them a while ago for quickquid saying i still owe £23. That debt was with a JB Debt Recovery though. However. I do believe that these the same people???

 

Surely no coincendence that this has randomly shown up

Link to post
Share on other sites

I don't know of any connection between MH and JB apart

from the fact they are both in Scotland.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

Link to post
Share on other sites

Searching your own credit file has no impact

and is not seen by anyone else contrary to

popular belief, it is more likely in fact the

only reason is that JBDR have just sent the

anual statement as required.

Also we are into the usual Xmas fest of

last chase the lemon debt.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

Link to post
Share on other sites

Hi Brig

 

I got that from JBDR themselves.

 

QQ told me they were sending it to Mckenzie Hall and I queried that when i got a letter from JBDR.

Cant remember exactly now as it was a long time ago but it was something like

"we work closely with them as were part of same group and they pass us a lot of the debts to work on"

Link to post
Share on other sites

That's interesting there is no mention of

any links specifically, maybe I'' take a little research trip

tomorrow.

 

Brig.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

Link to post
Share on other sites

  • 7 years later...

Hi guys, hoping somebody can help me out.

 

i had an unsecured loan of £2500 with welcome finance back in 2006.

I was obviously in difficulty at the time hence using welcome, and eventually defaulted.

I then entered into an Iva which did not go the distance, and I entered into a payment plan with all my creditors.

 

I’ll be totally honest I don’t know how much I paid back given the time that has passed, but I’m confident it surpassed the £2.5k.

I’ve ran a credit report today, only to find an entry from coast finance solutions for £3.6k showing as late payment.  

 

I couldn’t find much about them on companies house, so was dubious about writing in blind and giving them my details (I’ve moved house in the last 13 years).

I spoke to them on the phone, and they advised it is the welcome debt that was £2.5k in 2006.

 

I’ve requested a notice of assignment, DSAR and CCA by e mail, but the the question is, can they suddenly start reporting my account as “late payment” after 13 years of nothing??  

 

ive worked hard to repair my credit file, which I finally did last year, so this is a body blow.

The guy on the phone also confirmed I’d paid £10k back already, and they still want another £3.6k.

 

TIA

Link to post
Share on other sites

old and new threads merged.

 

so what was your last payment

lots of threads on coast and old welcome debts here in the welcome finance forum where your thread is now too

 

sorry but you've been here 9yrs

gone thru the mill on several debts

but you still persist in in 

ringing DCA's??

and using email....amazing.

 

 

 

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... 

Link to post
Share on other sites

again you've been here 9yrs..yet you persist in running from your debts....

next thing you''ll know is bailiffs at your door for a backdoor CCJ you knew nowt about.

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... 

Link to post
Share on other sites

I’m very sorry if I offended you, I only came on to ask a question about credit reporting, rather than get a character assassination. 

 

i can assure you I’m not running debts from all debts,

I have made efforts to pay debts I feel are just and fare.

I am trying to fight to cowboys and have debts written off/dismissed. Absolutely! 

 

Unfortunately I am still paying from mistakes when I was nothing more than a kid when these cowboy firms took advantage.

I take full responsibility for my actions, but they also had a big part to play in the mess I got myself into. 

 

as a single dad of 2 disabled kids I don’t have much disposable income but do what I can to repay past mistakes, whilst also trying to repair years of damage on my credit file.

 

After 17 years of being in a mess, these last 18 months or so have finally seen myself repair a lot of damage, and Stuff like this out of the blue is a crushing blow to that, as I’m back to square one. 

 

I am responsible for the situation I am in, but have certainly not ran away from all of my debts

 

Link to post
Share on other sites

don't be too sure on that morality card toshy , throw it out the window, they do.

 

no harm in hitting them where is hurts

like a CCA request to coast.

 

and don't forget, it was defaulted more than 6yrs ago, so it cant comeback on your credit file.

so it cant ruin everything.

 

coast are a forign debt buyer that bought 10'000 of old welcome debts

simply trying to frighten people that don't know any better into wetting themselves and coughing up.

 

 

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... 

Link to post
Share on other sites

  • dx100uk changed the title to two welcome finance loans

you have an SAR from welcome

find the default notice for whichever of the two welcome debts you have this is about.

then attach a copy of it to a letter to coast.

 

state they are to remove their entry on your credit file within 14days as the debt has already been defaulted by the original creditor and under ICO rules it cannot ever be re registered.

 

should you fail to comply with the above demand I will immediately open a serious complaint with the ICO and seek financial compensationfor the damage done to my credit worthiness.

 

in a sep letter

send them a CCA request.

 

you state you were paying until a couple of years back...who too?

 

 

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... 

Link to post
Share on other sites

I was paying UK search up until a couple of years ago.

 

ive just gone through the old SAR and there is no letter with a notice of default. Just basically the loan agreements, balance history and copies of my id etc when I applied for the loan 

Link to post
Share on other sites

Check the comms log..operator notes.

Bet its listed

Just type..no need to hit quote.

 

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... 

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...