Jump to content


  • Tweets

  • Posts

    • Is the letter headed Letter of Claim/before Claim or similar? If not, it sounds like more of the threatogram chain. If you're not sure, post up an anonymised copy of the letter and we'll check. HB
    • So guess what, we have received a final demand letter for £100. It states if payment is not made by 11/06 they will have no option but to forward the case to their litigation dept with a view to commence County Court Proceedings. So just wondering if anyone has any advice. Do we ignore this? or do we need to take action? Thanks 
    • hi dx, thanks for helping just re-reading everything this morning and I must have missed this one from uncle in his thread "What you should not do, is not contact the Banks and simply default on payments. "  are you in disagreement with this based on your last sentence?
    • Thanks for the reply and clarification, that might just explain why in my case contact has pretty much ceased. Though with such companies it doesn't mean they won't ever threaten to return to court as a tool to force one's hand if they feel they are not self informed on their chances etc.  But concerning how last year they tried to use the CCJ to get a charging order and the court granted an intirum order on our mortgage using the CCJ that would have been a good 2-3 months beyond the 6 years, should the court not have checked the age of the CCJ in the first case or would they always grant an interim order simply off the back of a CCJ being produced without even checking the age of it?.  Had I not defended that action at the time they may well have got a default using a CCJ older than 6 years which could be a concern going forwards. At the time when I contacted the court to question the paperwork for a final order application the clerk suggested people don't get informed when companies apply for interim charging orders, they are automatic if a claimant has a CCJ and people only get contacted once a date for a final order application goes through. kind of begs the question if such companies can continue a seemingly backdoor method to attempt default action if un-defended if the initial application doesn't need to check the age of a CCJ?.
    • Hello!  Wondering if someone can help with this.  I suspect not but worth a go.  I appreciate the "contract is with the seller" line, which is what Evri has fed me but wanted to see if someone with experience in these things could suggest anything else I could do here.  I appreciate there are many topics about lost parcels - My parcels weren't lost, until the driver walked up to my door with them and then decided to make them lost/stolen... I'll summarise what has happened.  Wednesday of last week - Evri delivery driver stole / walked off with 3 of my parcels.  -  Arrived outside my properly, took photos (3 separate photos as its 3 separate deliveries) of the tops of the parcels (pointlessly zoomed in on just the labels, couldn't see anything else, other than a small piece of the pavement and a little weed, which doubly confirms it was outside my door as I can see the same plant), marked the order as delivered and walked off with them.  He's marked on the Evri GPS marked that he was outside.   -  3 different deliveries, from the same company (same boxes etc.), but 3 separate tracking numbers. -  Went through the Evri bot which opened a case on each tracking number.  I then phoned them and left a voicemail explaining what had happened. -  24 hours later had a canned response asking me if the packages had turned up and to check around etc..  I responded explaining again what happened and that they've definitely been taken. -  4 days later,  this morning, I get a response telling me to ask the merchant to refund me. I've responded to this message with a long email, repeating what I said, that I believe the driver has stolen these packages and that he took those suspicious top down shots of the packages, marked them as delivered without ringing or knocking etc.  I've said that I expect them to investigate further, but I gather they won't. In my several messages to them initially and later, I told them I don't care about a refund and wanted the parcels.  They contain some sentimental stuff, nothing of high monetary value, hence me going to this trouble.  I only paid £25 for the contents. I did contact the merchant when this first happened and they asked me to wait a few days.  They ended up refunding me despite me asking them not to and that I wanted them to escalate it with Evri because this appears to be a case of theft.  They didn't seem bothered - Refunded me and told me to go back to Evri and escalate it with them? So - Is there any way to compel Evri to conduct a proper investigation with this driver?  Search for my parcels? I have quite a lot of deliveries handled by Evri (not out of choice) - They used to have a fantastic chap and I rarely had any issues.  He has been replaced by a new guy and I believe the route is handled by this same guy who I believe has taken my packages.  Naturally, I fear this is going to happen again in the future if no investigation occurs. Appreciate any assistance - Thanks for reading. Al.  
  • 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

Welcome/coast financial


edwi69
style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 1573 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

Hi There

They Added It Straight To The Loan And Of Course Charging Me Interest Every Month For That.my Interest Rate Is 27.2 Apr.

Many Thanx And Regards

 

£1330 x 27.2% each year. (£361.76 per year) Divide this by 12 to get the monthly interest on the PPI. Add this figure each month to the reclaim untill you get the refund. Check on statutory interes which is an extra 8% per annum, this on top of all costs.

Link to post
Share on other sites

  • Replies 551
  • Created
  • Last Reply

Top Posters In This Topic

Top Posters In This Topic

Hi All

I Wrote To Welcome Requesting My Cca Under (pre Action Protocols And Part 31.16) And Received A Letter Back Today Saying

 

Having Reviewed Our Records It Appears We Have Yet To Receive The Questionare From You,so We May Complete A Thorough Investigation.

 

As Explained In Our Previous Correspondence,i Have Closed The Complaint Untill Such Time You Provide Me With The Questionare.upon Receipt Of The Aforementioned Correspondence,i Will Investigate And Issue A Final Response In The Timescale Allowed.

 

Anyone Have An Idea What These Muppets Are Talking About

 

HERE IS THE LAST CORRESPONDENCE I HAD

todays reply to welscum cca pictures by edwi69 - Photobucket

Edited by edwi69
mis-speling
Link to post
Share on other sites

Hi All

I Wrote To Welcome Requesting My Cca Under (pre Action Protocols And Part 31.16) And Received A Letter Back Today Saying

 

Having Reviewed Our Records It Appears We Have Yet To Receive The Questionare From You,so We May Complete A Thorough Investigation.

 

As Explained In Our Previous Correspondence,i Have Close The Complaint Untill Such Time You Provide Me With The Questionare.upon Receipt Of The Aforementioned Correspondence,i Will Investigate And Issue A Final Response In The Timescale Allowed.

 

Anyone Have An Idea What These Muppets Are Talking About

 

HERE IS THE LAST CORRESPONDENCE I HAD

todays reply to welscum cca pictures by edwi69 - Photobucket

 

NO!!! LMFAO!!! T:?:?SSERS!!! POST WILL LOVE THAT!!! :-D

Link to post
Share on other sites

FORMAL REQUEST FOR INFORMATION

CPR part 31.16

Dear Sirs

 

Account number

 

On XXXXX I wrote to your organisation requesting that you supply me a copy of the agreement for my account. My request extended to the full agreement which bore my signature. Additionally I require the underwriting sheets or other documents showing any commission paid

To you by the broker or by you to the broker.

This request extends to all/any data held by welcome elite brokers also

 

I enclose a copy of the letter which was sent should for your information.

 

I enclose a response to that request

 

I note that to date I have received a reply from your organisation that is totally irrelevant to my request, (copy enclosed) nor have I received a copy of the agreement which I requested. In view of the circumstances I do not feel it unreasonable to ask for this document to be disclosed, it is not commercially sensitive nor is it a restricted document and should be easily accessible for an organisation such as yours. Therefore I would ask that you provide me with a copy of the contract which bears my signature; I require the complete document with all its parts.

 

the reasons why I require this information are clearly set out within my original letter dated XXXXX , but for clarity I require this document for the following reasons

 

1.I require this as I have reason to believe that there may be discrepancies within the agreement which may leave it improperly executed

 

2. Because I believe that the Payment protection insurance was not correctly incorporated within the agreement

 

3.because I believe that there was a commission paid in respect of this agreement which has not been disclosed to me and therefore is a breach of agency law

 

 

 

 

 

since this matter is likely to be subject to proceedings and given that your organisation is likely to be a defendant in any action which would be brought by me, I must draw your attention to Civil Procedure Rules part 31.16(3)©&(D) which gives the court the power to order you to disclose theses documents to me.

 

The disclosure of these documents will allow me to consider any claim I may have against your organisation and will allow for the matter to be dealt with possibly without the need for costly litigation. Therefore I again ask that you provide me with the documents which I have previously requested. I don't not consider this request unreasonable and therefore if you fail to comply with my request I will be left no option but to make an application to XXXX County Court for an order made under the provisions of CPR 31.16 ordering you to disclose the documents which I have requested.

 

additionally I will ask the court to make an order for my costs in bringing this application and reserve the right to disclose all communications in this matter before the court should such an application become necessary

 

Please confirm by no later than 4pm on XXXXXXX that you will comply with my request or if you will not comply, please provide your reasons in writing

 

Regards

 

XXXXXXXXXX

Again, you must give the lender a reasonable amount of time to comply

 

simply firing off a application to the court without being reasonable may end up with the court looking on you unfavourably and making an award for costs against you, so it is really important that you act very reasonably

 

 

GIVE IT 21 DAYS OR A SOD OFF LETTER AFTER THIS ONE

THEN ITS A COURT ORDER

 

encose your original request and there reply

 

send recorded delivery

Edited by postggj
Link to post
Share on other sites

Hi Post

Well I Sent The **** The (formal Request For Information Cpr Part 31.16) Letter And Today I Received A Letter Saying

 

Re:-subject Access Request-acount Number -------

 

Thankyou For Your Most Recent Letter Received

 

I Write To Confirm That The Information Requested Was Issued To The Above Address By Recorded Delivery October 2009

 

I Can Also Confirm That We Have Issued All Correspondence That We Hold On Account Number -------.

 

In Your Recent Letter You Have Requested Further Information Such As Commission And Broker Details.as This Is Not The Customers Personal Data We Will Not Be Issuing Those Details.

 

Yours Sincerely

 

What A Bunch Of Muppets

Link to post
Share on other sites

HI POST

THE LOAN IS A SECURED LOAN

I DIDNT GET A TRUE COPY OF THE SIGNED

AGREEMENT

I ONLY RECEIVED A MADE UP ONE AND THE ONE BELOW IN THE LINK WHICH THEY SAID IS A TRUE COPY BUT DOSENT BEAR ANY SIGNATURES

todays reply to welscum cca pictures by edwi69 - Photobucket

REGARDS EDWI

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...