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    • Hi Schipoo and thank you for the update.   Excellent news for you and a huge relief, I imagine. You might like to start a new thread about Independent Tax if you want advice on that problem. HB
    • Hi everyone, I have an update on my case that I’d like to share with you all.  so after submitting 371 pages in my bundle, a witness statement and skeleton argument for my court case due to take place in Manchester on June 21st I got an email from my litigator stating that hmrc have pulled out and the case is now closed!    this is the body of the letter….. This letter, which is copied to the Appellant, pursuant to Rule 17 of the Tribunal Procedure (First-tier Tribunal) (Tax Chamber) Rules 2009, the Respondents gives notice to the Tribunal of their intention to not defend the above appeal.   The Respondents respectfully invite the Tribunal to allow the appeal and close its file. In lieu of the above the Respondents would respectfully ask the Tribunal to vacate the hearing scheduled for Friday 21 June 2024. We would accordingly invite the Tribunal to close its file. Obviously this is extremely good news which hasn’t sunk in that after 3 years of fighting it is over.    I do have a further fight on my hands in that the Group Action I had joined with Independent Tax that had been disbanded in November last year and I chose not to continue with them. They are trying to bill me over 5k for the work they did under that Group Action which is ludicrous bearing in mind the whole point in joining was that it would keep the cost to a minimum as it would be shared between us all. They had asked if I wanted to continue to have them represent me on an individual level which I declined, if I hadn’t, goodness knows what they would have been trying to charge me now. 
    • President Ruto says Kenyans pay less tax than citizens in some other African countries.View the full article
    • As PM Sunak really showed his true colours at the D Day Commemorations by doing what? Oh I am the British PM lets just leave early I have better things to do and as he is called out on disrespecting all those veterans that served our country for the freedoms we have today he gives a groveling apology to little to late. He knew about this event for a long time and also knew that this is probably the last D Day Commemoration due to the age of those Veterans who gave so much for there countries freedom. Even on the day of the D Day Commemoration he still could have changed his plans As PM and stayed but choose not to showing such DISRESPECT to those Veterans, those that lost there lives and Families for the Freedoms we have today Being a Veteran myself I have never known a PM to show such disrespect what the hell was he thinking SHAME ON YOU PM SUNAK  
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      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.  

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    • 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.

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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Welcome/coast financial


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Hi post

local manager just turned up at my door and said why wont you pay so told him because my acc is in dispute due to non cca and he said compliance dont hold that we do at the local branch,i will get it in the post to you and we will call you on monday to discuss it.

surely compliance would hold a copy of my cca if they had it wouldnt they.

regards

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More Bs From Welcome Again

 

Agreements Are Held On A Z Drive At Compliance In Notingham

 

The Local Office Might, And I Mean Might Have A Copy But I Doubt It

 

Dont Be Surprised If They Now Send You A Reconstructed Agreement And Try To Say They Have Complied With Your Cca Request

 

Cretins

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hi post

the same as what compliance done then,

also he said are you using a company to do this or are you doing it yourself so i said myself just to see if they send me my cca but if they do it will probably be naughty as they havent complied yet.

 

what do you think post

 

regards

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Hi All

Letter Received From Welcome Yesterday Saying

 

Thankyou For You Letter Of 16th November 2009 Regarding Your Recent Complaint- Missold Ppi And Non Cca

 

The Issues You Have Raised Are Still Under Investigation And We Hope To Have A Final Response Sent To You In Due Course.i Would Like To Take This Opportunity To Thank You For Your Patience In This Matter.

 

Your Sincerely

 

Customer Complaints Department

 

So Wheres My Cca Then

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they send me a letter telling me they cant supply my cca

then say they have got it and will print it off and send it

i just dont think they have it or it is a very bad cca and they dont want to show it

good luck to you also leelakey07

 

local branch manager said that cca would be here before Saturday 1st class recorded delivery so they could phone me on Monday and discuss where to go from there.

 

i have now switched off from them as realised it was almost my payment date when he called suprise suprise.

 

anyway postg good luck with the op and hope your ok over Christmas

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hi post

i think compliance already tried the reconstructed one when they said we should provide you with a copy of your cca but cant at this time.

i have included the link to them on photobucket

could you look at it when you get a chance and let me know if thats what it is.

regards edwi

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The CCA 1974 rules all loans regardless of who the lender is, that is loans originally under £25000.

 

You said Welcome Finance said "your loan is not covered by the CCA as it was for Financial Institutions only". This is not true.

 

They have to abide by the rulles as well.

 

After 30 days, they cannot enforce the loan anyway.

The agreement should have all the prescribed terms in it and the s77 request means all documents connected with the agreements also.

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hi post

dont know when you are back but as i said i will let you know when i hear anything and yes you was right they dont have my agreement.

 

i have put below todays events and hope you are comfortable.

 

i have just phoned compliance and told them to remove my telephone number from their systems because i am sick and tired of the local branch calling and being mouthy

 

i asked where my cca was he said it will be your local branch that gives you that

i said funny that he just told me only compliance can do that.

 

he said well i will phone him after this conversation.

 

he said we cannot locate your true cca thats why we sent you a reconstituted one.

 

i said you will need a true one to enforce it in court,

he said we can prove you had the money.

 

the thing is im not disputing i had any money but what i am disputing in the discrepancies ie interest and mis sold pPI ECT.

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