Jump to content


Itsme VS Welcome Finance


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 5511 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

 

Have you had a chance to look at the agreement?

 

Thanks

 

Sonway

 

 

Hi Sonway, i would love to, where have you post it ? u can email me a copy if you want...

 

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:)))))

Link to post
Share on other sites

  • Replies 612
  • Created
  • Last Reply

Top Posters In This Topic

Top Posters In This Topic

sorry maria she meant me....

 

no not yet.. only just got it

will have a look and post findings asap

 

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

Link to post
Share on other sites

oh...right...:))) I want to see it as well.

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:)))))

Link to post
Share on other sites

hi Maria.

 

the photos werent that good and quite blurry, also didnt show the terms etc.

I have asked her to scan it whole if she/he can.

 

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

Link to post
Share on other sites

  • 2 weeks later...

Just a quick update:

Sent a new/amended POC( thans to Pam) to Welcome on Friday...

Tomorrow copy of it goes to WF...as per last Mr Orrill's letter they can't wait to receive it:)))

I'm sure they will enjoy reading it... It's absolutely brilliant....

 

 

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:)))))

Link to post
Share on other sites

Hi Maria,

I see you are still chasing that Shower of *****, I know you will not give in to them either..Go Get The Girl..lol

 

Thanks for the little kick up the Butt the other night, got me back in full fighting mood again, And there may be some very Interesting News tomorrow Afternoon / Evenning.. I will PM you with the Info..

 

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.

Link to post
Share on other sites

Hello:)))

 

Ian, i u r more than welcome...we all need you...strong...as usual....you keep PPI forum together..u help people survive when they do not know where to go...overcharged and stressed

U helped me when i started:))) and i will never forget it...

 

will look forward to hear great news from you..and if they are not as great...keep fighting...i'll be here for you

 

 

with all my respect:))))

 

 

xxxx

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:)))))

Link to post
Share on other sites

puts fingers down his throat

"The only thing that interferes with my learning is my education." Albert Einstein

 

"No-one can make you feel inferior without your consent" - E. Roosevelt

 

 

Don't lie, thieve, cheat or steal. The Government do not like the competition.

 

 

All advice is offered without prejudice.

We are being sued for Libel. Please help us by donating

 

Please support the pettition to remove Gordon Brown as he was not elected primeinister. He was elected Party Leader something completely different.

 

http://petitions.pm.gov.uk/gordan-brown/

Link to post
Share on other sites

puts fingers down his throat

 

Jamescrap, would you like to explain yourself?!!!

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:)))))

Link to post
Share on other sites

good luck with your claim Itsme and thanks for all your positive input, keep up the good work! :):):)

'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

Link to post
Share on other sites

puts fingers down his throat

 

Unnecessary comment and rather immature I think.:confused: Maybe look to your own problems, you have obviously asked for help and received it on your own threads. If you can't give support or advise, don't leave stupid comments on the threads, It certainly won't enhance your profile.

If any of my posts are helpful, please feel free to click my scales. All information is given as my opinion only, based on my own personal experiences. I have no legal training, but have educated myself in aspects of consumer legislation. My motto "NEVER GIVE IN, NEVER SURRENDER", THERE IS A WAR ON YOU KNOW

Link to post
Share on other sites

Unnecessary comment and rather immature I think.:confused: Maybe look to your own problems, you have obviously asked for help and received it on your own threads. If you can't give support or advise, don't leave stupid comments on the threads, It certainly won't enhance your profile.

 

agree, if the person is as cleaver as his/hers posts and replies..i have nothing else to say...as......NO COMMENTS.......

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:)))))

Link to post
Share on other sites

good luck with your claim Itsme and thanks for all your positive input, keep up the good work! :):):)

 

Hello Maybelline,

it's a team work....keeps me going...and i'll try and keep the spirits for all of us:))))How r u doing? what r the news?

 

 

xxxx

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:)))))

Link to post
Share on other sites

nothing at the moment but will update as soon as.

 

thanks for the PM reply:)

'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

Link to post
Share on other sites

hi-i'm having probs with this co too-got £1285 added to loan for ppi but this policy was never activated-also had £380 charges added -spoken with acting branch manager today-threatened to take them for ppi,charges and cci-phone went silent-leave it with me he replies-ok said i -you've got til 25th-then i'm sending prelim!!!!!!!!!-oooooooooohhhhhhhhhhh-i'm not usually that confident but....

lloyds S.A.R -sent 04/04/200

statements received 11/05/2007

prelim-14/05/2007 -£4987

lba-30/05/2007

n1-20/07/2007

 

Co-Op prelim sent-20/04/2007-£136.50

settled in full

goldfish prelim-27/06/2007

 

capital one -deemed served -01/07/2007

settlement without cci offered 17/07/2007

halifax prelim-17/07/2007

 

aqua--prelim-13/07/2007

 

welcome-prelim-30/06/2007

lba-14/07/2007

Link to post
Share on other sites

Hello Jub, and welcome...

 

I hope your claim will be a succes and you ll have your refund of PPI soon...

 

U did right thing, but knowing WF i wouldn't deal with the branch/branch manaeger at all....if you wouldn't receive a reply from WF till 25th send prelim to the Head Office, attn: Kieran Scothern (MR S)...

 

 

They prefer to rebate the fees and PPi to the account to reduce the outstanding balance...They will rebate charges straight away if you send them this:

I am of the opinion that the law is clear on liquidated damages and that, irrespective of your belief to the contrary and regardless of any agreement that I may have signed, the payment of excessive damages will be interpreted as a penalty and therefore the charges you imposed will be unenforceable and should I be forced to litigate, judgement will be granted in my favour.

The fact that your fees do not differ significantly from those charged by other companies operating within the Financial Services industry is entirely redundant however I am most interested in your comment regarding my responsibility for those fees. Given your clear and unambiguous statement that these fees represent the costs to your business and that you have incurred them as a result of my breaching our contract I am sure you will be happy to demonstrate this by letting me have a full breakdown of the costs to which you have put as a result of my breaches in order to reassure me that your penalties really do reflect your costs.

 

Charges are not legally enforceable if they are penalties. Penalty clauses in contracts in English law for breach of contract are not legal if the penalty exceeds the actual cost of the breach of either party. The law relating to penalties has been established through case law. The cases date back to the nineteenth century and the courts have been consistent in the way that they have ruled on penalty clauses

 

I am mildly amused by your penultimate paragraph and your apparent misunderstanding of contract law and seemingly deliberate attempt to complicate what is a straightforward issue.

 

Good luck and keep us posted

 

Kind 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:)))))

Link to post
Share on other sites

Hi Maria,

 

Any sign of a court date for you yet?? I am still waiting in anticipation for mine! I think that you and i must be their test bunnys, as since we have taken them to court i have read of a few people claiming their PPI back with no problems!

 

Carina 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

Link to post
Share on other sites

Hello Carina,

 

the deadline for amended POC was today, court and WF received it on 15th...

I am waiting for their defence now....will see what they say first....

 

I have read...those successeful claims..got wery upset( please understand me )...as my claim is no diiferent to others..i just hasn't been lucky enough to get my mis-sold PPI back without this fight....

 

But i am happy for those who successefuly have it back....

It just wearing me off....Not going to give up...

The amended POC looks great(yours is very well done as well)...will see what they come up with...

Let me know when you receive anything from court...

 

Kind 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:)))))

Link to post
Share on other sites

MAria,

 

The deadline for our AQ was last friday, so i am awaiting the next step. fingers crossed they will realise they cant win with me, as they have no contract, and pay out.... oh i so need the money for my upcoming wedding! :roll: and if they pay out... i can treat myself :)

 

I do wonder why they pay everyone else out, but not us. I just guess we must be special! :confused::p:)

  • Haha 1

£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

Link to post
Share on other sites

you r getting married:)))oh..how sweet:)))) when?

 

 

we are special..:))) I am sure Reidnet feels special toooo:))))only joking....

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:)))))

Link to post
Share on other sites

i think the claims have a lot to do with the companys ,i have ongoing 3 claims with different companys welcome ,hfc and bank of ireland and a successful claim against m+s .M+S to be fair took my complaint investigated fully and admitted responsibility and paid me back what i was owed they were very apologetic and quick in getting the cheque to me ,the others hfc and boi seem to be sticking to the it happened before regulation jan 2005 so there isnt really a lot we can do about it .Welcome point blank deny it stating basically you signed the form tough you wont be getting anything back .

PERHAPS ITS A CASE OF THOSE THAT SHOUT THE LOUDEST HAVE THE MOST TO HIDE .

I wish you all good luck with your claims and remember

 

Patience and perserverance have a magical effect before which difficulties disappear and obstacles vanish - John Quincy Adams

Link to post
Share on other sites

Yeah ..lol Well Im not special in the Eyes of GE Money..lol

 

Im so Looking forward to meeting them in Court Next Tuesday..

 

Which reminds me , I had better get My tickets Organised..lol

 

I will be Away Monday and Tuesday, and not sure what time I will get back from Wolverhampton on Tuesday night. (in court 11am Tuesday..:) ) Im sure that any info regarding the Court meeting will get posted on CAG before I get home..lol

 

Ian

 

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.

Link to post
Share on other sites

hi could you tell me if anybody has been succesful in getting their ppi back in cheque form as opposed to being taken off their account.

my daughter has been told they will refund her £1700 but it will go off her account (car finance)

she has told them this is not acceptable to her she wants the refund from when the loan started, last August, instead of January ,theyve refunded her from here. She also said she wants it in a chq paid into her bank not taken off account.

can they do this?:confused:

any help or advice please

regards :)

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:

Link to post
Share on other sites

Sorry to hijack your thread itsme

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:

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...