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    • Shein has been linked to unethical business practices, including forced labour allegations.View the full article
    • Hi I have to agree with @unclebulgaria67 post#3 For the funding side of moving to a new area and it being private supported accommodation I would also suggest speaking to private supported accommodation provider about funding but also contact the Local Council for that area and have a chat with them about funding because if you are in receipt of Housing Benefit certain Supported Accommodation that meets a certain criteria is treated as ‘exempt accommodation’ for Housing Benefit purposes but you need to confirm this with that relevant Council in your new area especially since it is Private Supported Accommodation as each Council can have slightly different rules on this. If you have a certain medical condition look up the charities and also have a wee chat with them as they may be able to point you to different Grants to assist with moving costs and your question about funding for private supported accommodation as well.
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    • Hi Sorry for the delay in getting back to you The email excuse and I do say excuse to add to your account and if court decide LL can't recoup costs will be removed is a joke. So I would Ask them: Ask them to provide you with the exact terms within your Tenancy Agreement that allows them to add these Court Fees to your Account before it has been decided in Court by a Judge. Until the above is answered you require these Court Fees to be removed from your Account (Note: I will all be down to your Tenancy Agreement so have a good look through it to see what if any fees they can add to your account in these circumstances)
    • Thank you for your responses. As requested, some more detail. Please forgive, I'm writing this on my phone which always makes for less than perfect grammar. My Dad tries but English not his 1st language, i'm born and bred in England, a qualified accountant and i often help him with his admin. On this occasion I helped my dad put in his renewal driving licence application around 6 weeks before expiry and with it the disclosure of his sleep apnoea. Once the licence expired I told him to get in touch with his GP, because the DVLA were offering only radio silence at that time (excuses of backlogs When I called to chase up). The GP charged £30 for an opinion letter on his ability to drive based on his medical history- at the time I didn't take a copy of the letter, but I am hoping this will be key evidence that we can rely on as to why s88 applies because in the GP opinion they saw no reason he couldn't drive i need to see the letter again as im going only on memory- we forwarded the letter in a chase up / complaint to the DVLA.  In December, everything went quiet RE the sleep apnoea (i presume his GP had given assurance) but the DVLA noticed there had been a 2nd medical issue in the past, when my father suffered a one off mini stroke 3 years prior. That condition had long been resolved via an operation (on his brain of all places, it was a scary time, but he came through unscathed) and he's never had an issue since. We were able to respond to that query very promptly (within the 14 days) and the next communication was the licence being granted 2 months later. DVLA have been very slow in responding every step of the way.  I realise by not disclosing the mini stroke at the time, and again on renewal (had I known I'd have encouraged it) he was potentially committing an offence, however that is not relevant to the current charge being levied, which is that he was unable to rely on s88 because of a current medical issue (not one that had been resolved). I could be wrong, I'm not a legal expert! The letter is a summons I believe because its a speeding offence (59 in a temp roadworks 50 limit on the A1, ironically whist driving up to visit me). We pleaded guilty to the speeding but not guilty to the s87.  DVLA always confirmed to me on the phone that the licence had not been revoked and that he "May" be able to continue to drive. They also confirmed in writing, but the letter explains the DVLA offer no opinion on the matter and that its up to the driver to seek legal advice. I'll take the advice to contact DVLA medical group. I'm going to contact the GP to make sure they received the SAR request for data, and make it clear we need to see a copy of the opinion letter. In terms of whether to continue to fight this, or to continue with the defence, do we have any idea of the potential consequences of either option? Thanks all
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Itsme VS Welcome Finance


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hi overflow-you may have read about my probs with welcome on this thread-i had a call from my branch manager today-he wants me tomake this months payment then he will take off the ppi and £400 charges-the ppi has never been active but i've had £1295 added to my balance from day 1-never considered asking for it in cheque form but i want to see he back of this co so the lower the balance the sooner........

 

apparently i need to sign a new agreement??????????

 

i'm wondering whether i can claim cci on the ppi-if the money had been sat in my bank it would have earned interest-might search on here for advice-ju

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

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is is my understanding that signing a new agreement is bad news, they usually want someone to do this when the other paperwork is not in order and therefore unenforceable! be suspicious of anything WFsuggest.

'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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my thoughts exactly-hope someone can put me in the right direction today

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

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maybe you should get someone to check out your current contract, bet yr life its unenfocable! Theres a whole thread on this site somewhere about unenforacble contracts... i think its called something like credit agreement or application? Have a search for it and post on there the details of your contract. Also it will be worth you sending a CCA request to Welcome as it may well be the case that they do not have a copy of your contract - as was the case with me. In this instance they cannot enforce the debt.

£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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don't quite understand the implications of an unenforceable debt-where does it leave me?

 

i have just spoken with consumer direct and F.O.S.

 

The ombudsman is sending out a complaints form and has advised me to pay my installment but not to sign a new agreement!oooooooooooooh i sense trouble.

if the loan is unenforceable what does it mean in my case??

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

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http://www.consumeractiongroup.co.uk/forum/general/33174-consumer-credit-act-agreements.html#post258846

this is a long thread but if you skim through it you will see that a lot of agreement may not be properly exectuted and can therefore only be enforced by a court, but the creditor does have to have a true copy of the agreement in the prescribed form to do so. bit more complicated than that so do have a read around first.

 

the debt does not become void if it is unenforceable but it would be up to the creditor to decide if they want to take it before a judge, do you see that a judge cannot enforce an agreement that is not present and may not enforce one that is not in the prescribed form (please jump in and correct this if wrong anyone??)

'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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welcome been on phone again-if i sign a new agreement they will lend the amount that they should have done initially,take off the ppi plus all the payments i've made.should i do this-its just that i have lost interest on the charges that i could claim for and i still smell a rat-what would you do folks?????

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

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DO NOT sign a new contract. find out first if yours is enforcable... as if it isn't then you need not pay them a single penny more... and you can claim your charges back!

£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 carinas -feel like i'm bouncing from wall to wall-the manager told me that it will be documented that i have refused his offer to rebate the ppi and the charges.

he said if it went to court it would not be in my best interest & that signed an agreement for the ppi-asked him to send me a copy of cca!

 

in a way i have refused a refund but my issue is-i took out the loan on 7th sep 2004.cancelled ppi after xmas 2004 yet..the policy was cancelled on 15th september 2004 with no written request-had i needed to claim between september and december-well...

he's saying i actually gave verbal consent to cancel it in september-rubbish-they demanded i put it in writing-screeeeeeeaaaam!!!!!!!!

the long and the short is-they cancelled ppi without written authority and without informing me and they have deducted £420 in charges-hellllllllllp

they also now need me to sign a new agreement 3 years down the line to have it corrected-my heads a shed!!!!!

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

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what do i need to do to see if its enforceable-aaaaaaggghhh-bumps head on desk!!!!!!!!!!!!!!!!!!!!!!

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

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hi overflow-sent you pm

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

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Share on other sites

hi jubaxt

thanks for the reply. MY daughter has an appointment next Tues with James fro, Warrington office.

She rang him today and asked him why she has nearly 5000 added onto her car finance for Insurances. thats with ppi and insurance for insurance . There seems to be an awful lot of charges for insurance.

Although he has said he'll take the ppi off and pay what ahes already paid off her balance she asked him why if he said hell take it off, was she still to be chatged the interest , after all if no ppi no interest, right.

Therer is also shortfall extra on it with interest being charged on that too. So she said she wants that removed as well. IF he does this for her then her balance will fall by over 3000 and thats a lot of money.

Ive told her to query the Acceptance fee as well £150 just to search her credit history, I dont think it would have cost that, after all what do they do . Get in touch with experian or equafax and check if theres anything on their files, does their computer charge them a fee for doing this .I think not.

why do people have to try and rip people off all the time . I really hope WELCOME get whats coming to them. They must not be allowed to go on takin the michael out of good honest people like this. I find it outrageous.:mad:

Anyway will wait and see the outcome of the meeting next week but ive advised her to get in touch with Norwich Union to see if they have anything on her as well as this is where Welcome have dealings regarding the PPI. See what comes of that as well.

 

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:

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Hello guys,

haven't been around for a while..so tired with work..trying to get payrise...etc...:( ..and this claim...wearing me off as well....

 

Any news?..not from my side...

 

xxx

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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Hello Itsme, very busy but back soon:)

'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 Maria... Still no news my end, its nearly 3 weeks since i handed the AQ back. I'm thinking maybe i should phone the court and ask whats happening now. It's really not a quick process is it! Hope everythings ok with you.

 

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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Carina, may be your court is very busy...i always phone my one to chase it up...and make sure i receive everything in writing:)))

 

Last letter received couple of days confirming that they have received my updated POC....

 

 

But do not worry.....call them and let me know...

 

 

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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Hello everyone,

 

Thank you for the support and PMs:)))

 

Feeling much better and stronger....

 

Back to the claim....as i mentioned above i stoped 2 last payments to WF 2 mnth ago, never received any calls/letters(reminders)...

 

Just came home and opened a letter from them....silly me, thought it was an offer for a refund... and guess what.....

Would I like to take a loan up to £7 500 with 48.7%?????????????????

 

Such a bargain this 48.7%:)))))

 

I do not believe it...do they commmunicate in that company....

As you're best of our customer, we want to help you make of the sunshine and blue skies

 

I do not know what to do: cry or laugh:))))))))))))))

 

 

 

regards,

 

 

Itsme

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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sorry it was not a sensible or reasonable response from them, maybe you should take their letters into court also - isnt it some kind of offence to offer more borrowing when in dispute?? maybe someone know, I know it is asking a customer to commit fraud if you offer further borrowing when they are already in difficulty (this is exactly what they do to everyone who cannot pay their ripoff loans with ripoff insurances and fees added on that they didnt sign up to in the first place, forcing them into a corner!!!) what a bunch...

'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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sorry it was not a sensible or reasonable response from them, maybe you should take their letters into court also - isnt it some kind of offence to offer more borrowing when in dispute?? maybe someone know, I know it is asking a customer to commit fraud if you offer further borrowing when they are already in difficulty (this is exactly what they do to everyone who cannot pay their ripoff loans with ripoff insurances and fees added on that they didnt sign up to in the first place, forcing them into a corner!!!) what a bunch...

 

Hello itsme,

:D glad to see your back on fighting form. I agree with Maybelline It just gives evidence of the irresponsible lending and underhanded tactics.:shock:

 

Maybe write them a letter. OH I love writing letters stating the facts, telling them off and complaining:D

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

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Guys, THANK YOU, it's a great idea:)))) will defenetly consider this one....:)))))

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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MAria... I recieved a letter from Welcome demanding a payment AFTER they had admitted they do not have my agreement and would not be persuing the debt. So i included it in my POC and told the court that this coupled with the fact my credit file hadn't been amended to show i was no longer in debt with them showed that they are unfairly persuing the debt. Use their errors to your advantage, tell the court they are a irresponsible lender!

£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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Carina,

 

as my POC already amended...if it gets to the court i will defenetly take this copy with me:)))

How r u getting on?

 

 

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 Ya!

 

well i just called the court, they said that it has gone to a district judge to be allocated and that i should hear from them this week, if i haven;t heard by start of next week then i should call back again. So i will wait for a week now. What stage is yours at? have you done your AQ? You was slightly ahead of me but i think since you changed your POC you've dropped slightly behind, i think i may end up the first in court! :o

£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 Carina,

 

looks like...:)))but do not worry they will not let it go so far:)))) I have sent my AQ, but i am waiting for an updated defence, if judge accepts:))))

waiting for his directions:))))

 

 

xxx

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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