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    • I left Dubai 8 years ago and intended to return. However a job prospect fell through. I’d been there for 15 years. Anyway I decided to pay my credit card and the bank had frozen my account. There is no means to pay the CC so completely unable to pay when I wanted to other than the bank advising me to ask a friend in the UAE to pay it on my behalf!  fast forward bank informs there is a police case against me for non payment. Years later IDR chased me and after months/ years they stopped. Now Judge & Priestley are trying their luck. Now I have received an email in English and Arabic from JP saying the bank has authorised them to collect debts. Is this the same as IDR although I didn’t receive anything like this from them. Just says they are authorised?
    • The neighbour's house is built right on the boundary so the side of their house is effectively the 'wall' in our garden separating the two properties. It's a three storey house and so the mortar poses a potential danger to us. Because of the danger, we have put up an interior fence in our garden to ensure we don't risk mortar dropping on us. That reduces the garden by 25% which is not only an inconvenience, but it's the part of the garden where we had lined up contractors to install a patio and gazebo which we will use for our wedding reception in less than 2 months. We have spoken to the neighbour's caretaker who is on the case, has spoken with a roofer and possibly a scaffolding company, but there are several issues. They don't seem to understand the urgency. As long as there is a risk of falling mortar, we can't carry out any work in the garden, and unless they hurry up, we're looking at cancelling our wedding as it's not viable to book a venue because we can't use our own garden! Also, they want to put the scaffolding up in our garden which would be ok with us if it was a matter of a few days and they hurried up, but there is a tree (most likely protected by the conservation area), so most likely they can only reach part of the roof with the scaffolding if they put it up in our garden. We suggested a roofer with a cherry picker but they seem to want to use a company they've used before. Any and all comments, suggestions, advice is more than welcome.  PS. does it make any difference that the neighbour is a business (ltd) and not a private dwelling?
    • No apology needed, thank you for what you do I am glad to hear they paid. well done on getting back what is yours
    • Apologies all for the late reply and info, i have been away with the Army. They have paid I accepted the offer on the 5th of May, and they paid on the 17th of May.
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      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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Itsme VS Welcome Finance


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Hi All,

 

I am so glad I'm not on my own with this company. I was also sold PPI - which I cancelled within the 30 day cancellation period. They have however taken it from the date I signed the agreement and not complied with their own policy wording which is ' you may cancel this agreement within a 30 day period of signing or on receipt of your policy, whichever is the later'.

 

I have been arguing this for four months and still haven't got any further forward.

 

So I have now forwarded all of the details to the Financial Ombudsman Service. Is there anyone else I should contact that you may be aware of?

 

In addition to this I took out a personal loan last year with them, only to discover today that it is in fact a mortgage over 5 years!! Is this legal - I never asked for a mortgage, I applied for a personal loan!!!!!

 

Please advise if you can.

 

thank you

 

Paula

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hello all, thanks for all your help, I am just reading up some stuff I have printed off and the regs again. you are right Pam is knowledgeable but snowed under, understandably.

 

I have looked at how much I have paid and have definately paid the loan off but am now paying the insurance (MIG, MIF or HLC) whatever you call it it is the same thing, an insurance to cover them if my home get repossessed and their is insufficient equity in it for them to get theri loan, however, I am plenty of equity to cover their loan many times over , it is not standard and should never have been applied, only dodgy outfits do so and it was applied without my knowledge and is ALL before the total and interest. I am claiming back the insurance, it is very difficult when WF themselves do not appear to know what they are doing, do not understand the CCA regs or UTCCR or even whether an agreement is lawful or not, their letters contradict the previous letter, it is a minefield, my hopes lie now with the financial ombudsman who has copies of everything. I AM pursuing the unfair penalties for returned DD's etc in the small claims and 'dealing with' the insuarance matters also, I am more than happy to be guided by the courts.

 

Hi

 

Have you done a FULL SAR on this creditor. This should reveal any/all documents relating to the MIG and an account of any payments made in respect of it. IF you signed to accept this charge, there should be data on it!!

 

In a full SAR, you must ask for ALL data from ALL relevant filing systems within their control, that in any way relates to you as the data subject. What they SHOULD then send you is copies of absolutely everything connected with their relationship with you.

 

Regards, Pam

VITAL - IF YOU HAVE AN ISSUE ABOUT THE INCREASED BAILIFFS' POWERS TO BREAK INTO YOUR HOME AND USE FORCE IN ORDER TO GET YOUR GOODS THEN JOIN THE PETITION HERE:

http://www.consumeractiongroup.c o....l#post53879 9

 

Anyone seeing this who wants to help by copying it to their signature please do.

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hi could you please advise me on this. is it the same DPA that is sent to the banks that you send to welcome finance or is there a specific letter for car finance , I havent got a clue

 

thanks

30-12-2006--Requested statements from Local Halifax.

02-02-2007--Statements Recieved.

18-04-2007--Prelim sent.

20-04-2007--Reply , Thanks , give us 8wks letter.

02-0502007--Sent L.B.A. & Schedule of Charges

11-05-2007--Recieved reply ,still investigating.

17-05-2007--Sent Amended L.B.A. for Contractual Interest this time.

14-06-2007--Received standard Bog Off letter.

13-06-2007--Took N1 to Local Courts.

26-06-2007--Copy of N1 from Court, issued 21-06-2007. to Halifax, Deemed Served 25-06-2007

Have till 09-07-2007 to file Defence.

05-07-2007--Note that Acknowledgment of Service been Filed on 29-06-2007.

Have 28 days from date of Service to File Defence.

07-07-2007--Offer from Halifax.

09-07-2007--Rejection letter sent to Halifax. Next day delivery.

10-07-2007--Money put in Account:mad:

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thanks Pam, yes, I have done an SAR using the template from cag, also done a CCA request twice, they have written to say they have complied with dpa.

'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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hi could you please advise me on this. is it the same Data Protection Act that is sent to the banks that you send to welcome finance or is there a specific letter for car finance , I havent got a clue

 

thanks

 

Yes same generic S.A.R - (Subject Access Request).

 

"please supply mith ALL data relating to my account re s10 data protection act 1998....etc"

 

obviously edit it properly. post it here for views/ comments

 

when you send it dont forget the fee

 

 

Dave

** We would not seek a battle as we are, yet as we are, we say we will not shun it. (Henry V) **

 

see you stand like greyhounds in the slips,

Straining upon the start. The game's afoot:

Follow your spirit; and, upon this charge

Cry 'God for Harry! England and Saint George!'

:D If you think I have helped, informed, or amused you do the clickey scaley thing !! :D

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thanks Pam, yes, I have done an S.A.R - (Subject Access Request) using the template from cag, also done a CCA request twice, they have written to say they have complied with Data Protection Act.

 

Hi

 

So did you receive all documents/transcripts/ telephone call logs/computer logs/copy letters etc. in the SAR package?

 

Regards, Pam

VITAL - IF YOU HAVE AN ISSUE ABOUT THE INCREASED BAILIFFS' POWERS TO BREAK INTO YOUR HOME AND USE FORCE IN ORDER TO GET YOUR GOODS THEN JOIN THE PETITION HERE:

http://www.consumeractiongroup.c o....l#post53879 9

 

Anyone seeing this who wants to help by copying it to their signature please do.

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Hi

 

So did you receive all documents/transcripts/ telephone call logs/computer logs/copy letters etc. in the S.A.R - (Subject Access Request) package?

 

Regards, Pam

 

they say so, I received the mida notes (very interesting personal info on that!) a copy of my bank account details and the security code! a kind of list of transactions/statement of account, but no breakdown of the loan figures on those, just all rolled up into one figure at the start? also have one copy agreement they sent which have already sought advice on, and is apparently uneforceable as charges are before interest and no total of credit for whole period, I can post it again if helpful.

'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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Overflow

 

use a sar something like this (or just use this one)

 

you may edit as you see fit

 

Data protection act 1998

Subject access request

 

 

Dear Sir/Madam

 

 

ACCOUNT NUMBER: xxxxxxxxx (or multiple numbers if more than one account)

 

 

Please supply me with a complete list of transactions and charges relating to my account for the last 6 years or from its inception whichever is appropriate.

 

Additionally, where there has been any event in my account history over this period which has required manual intervention by any member of your staff, or any other person, I require disclosure of any indication or notes which have either caused or resulted in that manual intervention, or other evidence of that manual intervention in relation to my banking business with you.

 

If you are unable to supply this data because there has been no such manual intervention, then please be so kind as to confirm this in your response.

 

My request includes any and all data that you hold that is relevant to my request.

 

I enclose the statutory maximum fee of £10.

 

If there is specific information which you require in order to satisfy yourself as to my identity, please let me know by return. However, please note that the above address is the one which YOU normally use to communicate my private business to me and which you have hitherto found to be acceptable.

 

Yours faithfully,

** We would not seek a battle as we are, yet as we are, we say we will not shun it. (Henry V) **

 

see you stand like greyhounds in the slips,

Straining upon the start. The game's afoot:

Follow your spirit; and, upon this charge

Cry 'God for Harry! England and Saint George!'

:D If you think I have helped, informed, or amused you do the clickey scaley thing !! :D

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WF response, a threat to mess up my credit file even more!

 

oh and an acknowledge of intention to defend.

'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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Good for you Paula....have you got all ur statements?

do u know how much u can claim back?

 

 

regards,

 

 

 

Maria

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 everyone

 

I have been reading your posts with interest! Me and my husband had 2 years of living hell with Welcome Finance. We took out a loan with them in November 2001 (stupidly!) We got behind with the payments and the harassment got so bad we actually moved out of our own home with the intention of selling just to pay them off. They called at our door early morning and at night, spoke to neighbours about us and asked me to sell my jewelery to pay them. During the period when we had moved into rented accomodation i decided to speak to national debt line, re the harrassment. They asked if we could fax them a copy of our credit agreement to them as they were aware that a number of secured loans provided by Welcome from Nov 01 were unenforceable as they were written wrong on the credit agreement. I faxed and guess what? it was deemed unenforceable! We then moved back to our own home and did not hear from welcome again. I then decided that i would report them to the CCTA due to the harassment, they replied saying they had done nothing wrong, and all their collection activity was withihn legal limits, so i left it at that. The loan had around £12,000 owing and last year we re mortgaged and had to pay Welcome £5000 to remove the charge from our property.

In light of the recent claims for charges i contacted welcome and asked them to rovide details of our account. They have sent more than i thought! The loan was actually written of in Oct 2006! ANd they have kindly sent me all recordings of their collection activity in writing, proving everything that they originally denied! I am in contact with trading standards and will be contacting the OFT tomorrow. Does anyone know if i could claim compensation due to the amount of harassment?

Sorry if i have bored you! I could have gone on and on!:p

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Not boring at all.....very interesting and somewhat satisfying to see them get the pointy end for a change (although this is becoming quite common now :) )

 

Dave

** We would not seek a battle as we are, yet as we are, we say we will not shun it. (Henry V) **

 

see you stand like greyhounds in the slips,

Straining upon the start. The game's afoot:

Follow your spirit; and, upon this charge

Cry 'God for Harry! England and Saint George!'

:D If you think I have helped, informed, or amused you do the clickey scaley thing !! :D

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HiEven though they only robbed 5k from us, are we able to claim anything from them? even if its just £10 i will be more than happy to have had another victory against them!

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hello Sonway and welcome...

 

First of all have you got the copy of the agreement, if you have, can you post it here using photobacket? Image hosting, free photo sharing & video sharing at Photobucket

 

We need see if the agreement is properly executed( u did say it's not) Please delite all the personal data if you can.

Than, did you buy PPI or other insurances...this we also can find from the agreement. How much was written off? How much had you paid?

R u still paying them or the account is closed?

 

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 how much was the loan for ?

and how much had you paid? not counting the 5k for the charge removal

 

as the loan was unenforceable and most probably improperly executed, you may be able to claim any interest that you had paid, back

 

worth a go !

 

Dave

** We would not seek a battle as we are, yet as we are, we say we will not shun it. (Henry V) **

 

see you stand like greyhounds in the slips,

Straining upon the start. The game's afoot:

Follow your spirit; and, upon this charge

Cry 'God for Harry! England and Saint George!'

:D If you think I have helped, informed, or amused you do the clickey scaley thing !! :D

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maria

 

it was already deemed uneforceable...:)

 

she just wants to know how to get back at them

 

although a quick look at the agreement will help, maybe I can work out how much interest she can claim back!

 

Dave

** We would not seek a battle as we are, yet as we are, we say we will not shun it. (Henry V) **

 

see you stand like greyhounds in the slips,

Straining upon the start. The game's afoot:

Follow your spirit; and, upon this charge

Cry 'God for Harry! England and Saint George!'

:D If you think I have helped, informed, or amused you do the clickey scaley thing !! :D

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I really need to have a look at it....can you post it here or email it to me.

 

pm for email addy

 

Dave

** We would not seek a battle as we are, yet as we are, we say we will not shun it. (Henry V) **

 

see you stand like greyhounds in the slips,

Straining upon the start. The game's afoot:

Follow your spirit; and, upon this charge

Cry 'God for Harry! England and Saint George!'

:D If you think I have helped, informed, or amused you do the clickey scaley thing !! :D

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just a thought....maybe you should also think about starting your own thread as well, you might get more replies specific to your case.

 

best rgds

 

dave

** We would not seek a battle as we are, yet as we are, we say we will not shun it. (Henry V) **

 

see you stand like greyhounds in the slips,

Straining upon the start. The game's afoot:

Follow your spirit; and, upon this charge

Cry 'God for Harry! England and Saint George!'

:D If you think I have helped, informed, or amused you do the clickey scaley thing !! :D

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Hi Itsme...

 

I recieved a copy of Welcomes AQ today. Hows your claim going on?

 

Carina

£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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Hi Itsme...

 

I recieved a copy of Welcomes AQ today. Hows your claim going on?

 

Carina

 

 

 

Hello Carina,

 

I had received today an acceptance from the judge in the reply of my N244..very happy:))))

 

did WF requested anything unusual?:)))

 

 

xxxx

Maria

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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