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    • Firstly, I would like to thank everyone for their help in this matter. Since my last post I have received a reply from Plymouth Council Insurance Team concerning my wife’s accident (please see enclosed letter and photo of the offending Badminton post) which they deny any responsibility for the said accident. I feel that the Council is in breach of their statutory duties under the following acts: The Leisure Centre was negligent in its duty of care and therefore, in breach of the statutory duty owed under section 2 of the Occupiers’ Liability Act 1957. Health and Safety at Work Act 1974 (the Act) to ensure, so far as is reasonably practicable, the health, safety and welfare at work of all their employees, and others who might be affected by its undertaking, e.g. members of the public visiting the Leisure Centre to use the facilities. The Management of Health and Safety at Work Regulations 1999 that requires employers to assess risks (including slip and trip risks) and, where necessary, take action to address them. The Provision and Use of Work Equipment Regulations (PUWER) require the risk to people’s health and safety from equipment that is used at a Leisure Centre be prevented or controlled. I would like some advice to see if my assumptions are correct and my approach to obtaining satisfactory outcome to this matter are accurate. Many thanks   PLM23000150 - Copy Correspondence.pdf post docx.docx
    • Talking to them does not reset the time limit, although they will probably tell you it does, they'd be lying. Dumbdales are the in-house sols for Lowlife, just the next desk along. If Lowlifes were corresponding with you at your current address then Dumbdales know your address. However, knowing that they are lower than a snake's belly, you would be well advised to send them a letter, informing them of your current address and nothing else. Get 'proof of posting' which is free from the PO counter, don't sign it, simply type your name. That way then they have absolutely no excuse for attempting a back door CCJ.   P.S. Best course of action, IGNORE them, until or unless you get a claim form......you won't.
    • A 'signed for' Letter of Claim has been sent today so they have 14 days from tomorrow... Lets wait and see what happens but i suspect judging by their attitude they wont reply 
    • I am extremely apprehensive about burning our files.... I do not know why, so it is becoming an endless feedback loop. Scared to pull the trigger to speak in the desire not to mess up my file. 
    • Hi All, So brief outline. I have Natwest CC debt £8k last payment i made was 7th November 2018 Not a penny since. So coming up to the 6 year mark. Can't remember when i took out the  credit card would be a few years before everythign hit the fan. Moved house 2020 - updated NatWest as I still have a current account with them. Then Lowells took over from Moorcroft and were writing to me at my current address. I did get a family member to speak to them 3 years ago regarding the debt explained although it may be in my name I didn't rack it up then went contact again. 29th may received an email from overdales saying they were now managing the debt. I have not had any letter yet which i thought is odd?  Couple of questions 1. Does my family member speaking to lowell restart statute barred clock? 2. Do you think overdales aren't writing to me because they will back door CCJ to old address even though Lowells have contacted me at current address never at previous? ( have no proof though stupidly binned all letters  ) Should I write to them and confirm my address just incase? Does this restart statute barred clock? 3. what do you think best course of action is?   Any help/advice is appreciated I am aware they may ramp up the process now due to 7th December being the 6 year mark.   Many Thanks in advance! The threads on here have been super helpful to read.  
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Itsme VS Welcome Finance


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Hi Itsme,

Im not too sure what would happen with the wrong information in your Statement of Claim, It may be well worth giving the court a ring and see what they recommend.

 

Ian

Lloyds TSB -PPI - Full refund . 05/09/06 :D:p (As Seen on TV) :p

Halifax settled in Full.. :D 22/09/06

TSB First Claim SETTLED IN FULL 19/10/06 :D

Second Claim to Lloyds TSB - Settled in Full

Firstplus - early settlement interest charges - Challenged the use of the rule of 78 - SETTLED IN FULL 12/1/07

PPI - GE Money / Purpleloans / Firstplus - Now Settled after 1 year long hard fight.

 

 

 

If my post has helped you, please click the scales! :grin:

 

Anything said is my opinion and how I understand the law, always consult professional legal advice before taking something to court.

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Ian,

in N1, spreadsheet and Statement of claim i have a breakdown of the charges(ppi+interest+8%+£120) Total £xxxx.... and they are correct

 

I have just noticed that on the page x in my statement of claim:

 

The claimant has calculated the claim using the following calculation.

 

Claim for charges, and interest paid on those charges scheduled separately:£1,146.36

Claim for consolidated loan interest added to 1 above:£778.06

Claim for interest on consolidation loan interest claimed:£118.46

Court fee: £120

 

Total Claimed £2162.88

 

Alternatively, the Claimant seeks damages of £2162.88 in regards to the Defendants clear breach of the Claimants human rights as prescribed by Article 1 of the first protocol of the Human Rights Act 1998 whereby the Defendants actions did cause the Claimant to suffer personal loss to the sum of £2674.24.

I phoned to the court..and they do not know what to do..they advised me to seek a legal advise or amend the claim with £35....

Feel a bit stupid..and very lost...Do i amend it with judge? or just leave it as it is.

On all other forms the total amount is correct.....

Thank you

Carphone Warehouse WON £195.00

Welcome Finance in Court. N244 accepted.

Barclaycard WON with contractual, PPI and charges for time spent and letters sent

Halifax solo, switch, Credit Classic, Halifax one Itsme Vs Halifax 2 accounts

Creation Finance Prelim received offer of £79.88.... Itsme VS Creation Finance

Vodafone overcharged Vodafon.. anything that could be done?

 

U know where the scales r:)))))

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Hi Itsme,

 

I have only claimed the 8% interest. I'm not stressed about it at all at the moment! I just put the form in and now i'm waiting to see if they defend. I honestly thought that it was quite likely they wont defend as if they do and they lose then they have the possibility of every one of their customers making a similar claim? That said, i have not found any threads on here from anyone who has taken them to court - let alone won! yours was the first i have seen. As far as i can see we both have valid claims and it will be against Welcomes interest to fight them and lose. That said i know what arses this company are and i would be willing to bet they will drag the cases out for as long as they possibly can.

 

C x

£914.00 unfair bank charges recovered from NatWest after 1st letter :)

 

£255.00 unfair bank charges recovered from RBS after 1st letter :)

 

Welcome Finance cannot supply original agreement, N1 issued for charges, PPI & interest total over £3k :cool:

 

Woolwich 2 defaults removed, 1 ccj removed. My credit file is now clean :D

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hello Carinas,

I belive 2 people won WF claims..but i think i was before court...everybody else just left it undone...Hopefully WF will not defend neither in my case no in yours:)))

but i am more than happy that in this case i am not along...and have YOU:)))))

Carphone Warehouse WON £195.00

Welcome Finance in Court. N244 accepted.

Barclaycard WON with contractual, PPI and charges for time spent and letters sent

Halifax solo, switch, Credit Classic, Halifax one Itsme Vs Halifax 2 accounts

Creation Finance Prelim received offer of £79.88.... Itsme VS Creation Finance

Vodafone overcharged Vodafon.. anything that could be done?

 

U know where the scales r:)))))

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Hi Its me,

I think I would just leave the claim as it is for the momment, I doubt very much that they will go to court over the claim. I may be wrong but Im sure others will correct me here if that is the case.#

 

Ian

Lloyds TSB -PPI - Full refund . 05/09/06 :D:p (As Seen on TV) :p

Halifax settled in Full.. :D 22/09/06

TSB First Claim SETTLED IN FULL 19/10/06 :D

Second Claim to Lloyds TSB - Settled in Full

Firstplus - early settlement interest charges - Challenged the use of the rule of 78 - SETTLED IN FULL 12/1/07

PPI - GE Money / Purpleloans / Firstplus - Now Settled after 1 year long hard fight.

 

 

 

If my post has helped you, please click the scales! :grin:

 

Anything said is my opinion and how I understand the law, always consult professional legal advice before taking something to court.

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Thanks for the info Reidnet - much appreciated :) :)))))

Carphone Warehouse WON £195.00

Welcome Finance in Court. N244 accepted.

Barclaycard WON with contractual, PPI and charges for time spent and letters sent

Halifax solo, switch, Credit Classic, Halifax one Itsme Vs Halifax 2 accounts

Creation Finance Prelim received offer of £79.88.... Itsme VS Creation Finance

Vodafone overcharged Vodafon.. anything that could be done?

 

U know where the scales r:)))))

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Hiya

 

i am in the process of ttrying to get my money back for PPi from welcome finance.

 

I am trying to figure out how to calculate the interest. not the court interest but the amount that would have been put oon the pii as it was added to the loan

 

my loan amount was 1500

ppi cost 320.81

 

apr was 44.6 and monthly interest was 2.75 %

 

so how on earth do i figure it out???

 

do i just work out the monthly 2.75% figure from the date i took out the loan until the settle ment date???

 

i confused llol

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hanna, i would need the date of the first payment, the monthly ammount u pay......

Carphone Warehouse WON £195.00

Welcome Finance in Court. N244 accepted.

Barclaycard WON with contractual, PPI and charges for time spent and letters sent

Halifax solo, switch, Credit Classic, Halifax one Itsme Vs Halifax 2 accounts

Creation Finance Prelim received offer of £79.88.... Itsme VS Creation Finance

Vodafone overcharged Vodafon.. anything that could be done?

 

U know where the scales r:)))))

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Oh well, today i've received the Acknowledgement of Service:)))) from 15 March 2007....28 days to file a defence............how sweet:)))

Carphone Warehouse WON £195.00

Welcome Finance in Court. N244 accepted.

Barclaycard WON with contractual, PPI and charges for time spent and letters sent

Halifax solo, switch, Credit Classic, Halifax one Itsme Vs Halifax 2 accounts

Creation Finance Prelim received offer of £79.88.... Itsme VS Creation Finance

Vodafone overcharged Vodafon.. anything that could be done?

 

U know where the scales r:)))))

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does that mean that they are defending?

£914.00 unfair bank charges recovered from NatWest after 1st letter :)

 

£255.00 unfair bank charges recovered from RBS after 1st letter :)

 

Welcome Finance cannot supply original agreement, N1 issued for charges, PPI & interest total over £3k :cool:

 

Woolwich 2 defaults removed, 1 ccj removed. My credit file is now clean :D

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no....it means that they are taking 28 days to prepare defence....the other letter said ..till 27/03/2007 to REPLY:)))

Well thay have replied and took 28 days...to defend themselfs..

And the Legal Manager is Ian Onill:)))

Carphone Warehouse WON £195.00

Welcome Finance in Court. N244 accepted.

Barclaycard WON with contractual, PPI and charges for time spent and letters sent

Halifax solo, switch, Credit Classic, Halifax one Itsme Vs Halifax 2 accounts

Creation Finance Prelim received offer of £79.88.... Itsme VS Creation Finance

Vodafone overcharged Vodafon.. anything that could be done?

 

U know where the scales r:)))))

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They will now have 28 Days from the date of Service to submit their defence, No doubt they will leave this to the very last minute too.

 

I have AQ now from Court so will be getting that Back ASAP, let them know I mean Business..lol

 

Ian

Lloyds TSB -PPI - Full refund . 05/09/06 :D:p (As Seen on TV) :p

Halifax settled in Full.. :D 22/09/06

TSB First Claim SETTLED IN FULL 19/10/06 :D

Second Claim to Lloyds TSB - Settled in Full

Firstplus - early settlement interest charges - Challenged the use of the rule of 78 - SETTLED IN FULL 12/1/07

PPI - GE Money / Purpleloans / Firstplus - Now Settled after 1 year long hard fight.

 

 

 

If my post has helped you, please click the scales! :grin:

 

Anything said is my opinion and how I understand the law, always consult professional legal advice before taking something to court.

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Sweetie, u always mean Business:))))))....i am glad..u back...and much stronger than ever before:)))))

 

Will u ( or can u) post AQ in ur thread?:))

Carphone Warehouse WON £195.00

Welcome Finance in Court. N244 accepted.

Barclaycard WON with contractual, PPI and charges for time spent and letters sent

Halifax solo, switch, Credit Classic, Halifax one Itsme Vs Halifax 2 accounts

Creation Finance Prelim received offer of £79.88.... Itsme VS Creation Finance

Vodafone overcharged Vodafon.. anything that could be done?

 

U know where the scales r:)))))

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Hi Its Me Just recieved my answer from Welcome looks i too have 28 days to get them to court they sent me letter today still offering me £315 as a goodwill on their behalf but they do not feel the PPI was missold that it was voluntary so you are not alone Archie

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Good for you..Archie,...keep going:)))u ll get all of it at the end

Carphone Warehouse WON £195.00

Welcome Finance in Court. N244 accepted.

Barclaycard WON with contractual, PPI and charges for time spent and letters sent

Halifax solo, switch, Credit Classic, Halifax one Itsme Vs Halifax 2 accounts

Creation Finance Prelim received offer of £79.88.... Itsme VS Creation Finance

Vodafone overcharged Vodafon.. anything that could be done?

 

U know where the scales r:)))))

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Good for you..Archie,...keep going:)))u ll get all of it at the end

 

Wheres the end... .cant imagine what i'll do with myself when this is all over! no more letters to write..... :rolleyes:

£914.00 unfair bank charges recovered from NatWest after 1st letter :)

 

£255.00 unfair bank charges recovered from RBS after 1st letter :)

 

Welcome Finance cannot supply original agreement, N1 issued for charges, PPI & interest total over £3k :cool:

 

Woolwich 2 defaults removed, 1 ccj removed. My credit file is now clean :D

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lucky u..i 've just started:)))) Halifax..Barclaycard..Wallis Card(Creation Finance)...It seems that i have started with the hardest claim- WF.....:)))

Any news on yours? have they aknowledged?:)

Carphone Warehouse WON £195.00

Welcome Finance in Court. N244 accepted.

Barclaycard WON with contractual, PPI and charges for time spent and letters sent

Halifax solo, switch, Credit Classic, Halifax one Itsme Vs Halifax 2 accounts

Creation Finance Prelim received offer of £79.88.... Itsme VS Creation Finance

Vodafone overcharged Vodafon.. anything that could be done?

 

U know where the scales r:)))))

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Share on other sites

lucky u..i 've just started:)))) Halifax..Barclaycard..Wallis Card(Creation Finance)...It seems that i have started with the hardest claim- WF.....:)))

Any news on yours? have they aknowledged?:)

 

No just a letter from the court saying it has been served and they have until April 10th to reply.

£914.00 unfair bank charges recovered from NatWest after 1st letter :)

 

£255.00 unfair bank charges recovered from RBS after 1st letter :)

 

Welcome Finance cannot supply original agreement, N1 issued for charges, PPI & interest total over £3k :cool:

 

Woolwich 2 defaults removed, 1 ccj removed. My credit file is now clean :D

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Thank you, Bankworthnightmare....very helpfull:))) But i am more than sure WF is taking as much as possible time to make claimant to change their minds, scare tham...i am taking it to the end...In some other cases they started to make some offers to the claimants...to shut them up...(never happend to me))))

 

Will wait for their defence..and if you have some more important info..you can simply PM me..or post it here:))) everything helps:)))

 

 

kind regards....

Carphone Warehouse WON £195.00

Welcome Finance in Court. N244 accepted.

Barclaycard WON with contractual, PPI and charges for time spent and letters sent

Halifax solo, switch, Credit Classic, Halifax one Itsme Vs Halifax 2 accounts

Creation Finance Prelim received offer of £79.88.... Itsme VS Creation Finance

Vodafone overcharged Vodafon.. anything that could be done?

 

U know where the scales r:)))))

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Hi Itsme,

 

Good luck with your claim against Welcome - I hope they pay out.

 

Part of my job involves getting Welcome to pay their bills - it's like getting blood out of a stone!

 

I'm glad to see Welcome are getting some stick as they are pants.

 

You might be interested to know that Welcome offer their employees some pretty good incentives to meet their targets such as exotic holidays abroad, trips to posh hotels in Paris, meals out and huge cash pay outs! So their employees are probably using every trick in the book to get good results. I bet they have targets on getting customers to sign up for PPI so it's not surprising me there are so many mis-selling claims.

 

thanks, the programme about banks really did show what goes on in the financial industry and how it leads to misselling, we need all the help we can get to prove it!

'rise like lions after slumber, in unvanquishable number, shake your chains to the earth like dew, which in sleep had fall'n on you, ye are many, they are few.' Percy Byshse Shelly 1819

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banksworstnightmare - has anyone taken them to court for the money they owe, you can always pm your answers :)

 

I am preparing to go to court, I have my schedules, forms, particulars sorted just waiting to hear from someone and then off to file.

'rise like lions after slumber, in unvanquishable number, shake your chains to the earth like dew, which in sleep had fall'n on you, ye are many, they are few.' Percy Byshse Shelly 1819

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Hello Maybelline,

nice to see u back..how r u doing? did u find the answers?

 

regards,

Carphone Warehouse WON £195.00

Welcome Finance in Court. N244 accepted.

Barclaycard WON with contractual, PPI and charges for time spent and letters sent

Halifax solo, switch, Credit Classic, Halifax one Itsme Vs Halifax 2 accounts

Creation Finance Prelim received offer of £79.88.... Itsme VS Creation Finance

Vodafone overcharged Vodafon.. anything that could be done?

 

U know where the scales r:)))))

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i have an acknowledgement of service now too, 28 days from 24th March.... Tick tick tick........

£914.00 unfair bank charges recovered from NatWest after 1st letter :)

 

£255.00 unfair bank charges recovered from RBS after 1st letter :)

 

Welcome Finance cannot supply original agreement, N1 issued for charges, PPI & interest total over £3k :cool:

 

Woolwich 2 defaults removed, 1 ccj removed. My credit file is now clean :D

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