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Itsme VS Welcome Finance


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conradsfete, are claiming missold PPI, if so, see the template letters for reclaiming this, go to PPI thread i will find the link later. maybe you are also thinking your agreement is unenforceable? I cannot advise on this but you are certainly entitled to your data, you could send a reminder letter, also in templates re no response to data request.

'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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thanks maybelline. yes am claiming ppi back, also waiting on sar. will have to send reminder by looks of it.

hate these idiots.

could you tell me if they dont reply or i dont get my statements and the 40 days are up, do i stop paying them, send a letter ??? as bit confused. is it same as a cca request.

what rights do i have against them if my sar is past 40 days request?

soz for asking, i'm just getting the hang of how the cca works.

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conradsfate,

 

i think if they are in breach of providing the agreement they cannot charge interest, or chase you in any way, but once it is provided and are no longer in breach you follow the agreement terms, I cannot pm you but if you pm me as only so much should appear on the open fourm, good luck,

 

there are some template letters for non responding to SAR

'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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  • 4 weeks later...

Hi Maria...

 

just thought i'd pop in to say hello :)

 

I'm back in the land of the living again and fighting with my old strength

 

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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  • 4 weeks later...

Hi There - I did notice conradsfate has this at the bottom , like mine:

 

Interest calculated on the amount of credit and Acceptance Fee outstanding from time to time throughout the duration of this Agreement, taking into account the Payments above, makes up the Finance charges for the Goods and the charge for credit for the Insurances, which will be paid by you as part of each Payment.

 

Doesn't this mean that the Acceptance Fee has interest applied? Which would make it unenforceable?

 

I checked the amounts on mine, and they only make vague sense if interest is charged on the acceptance fee as well as the credit amount.

 

I have opened up my own thread too. Good luck to everyone fighting welcome.

 

Dani

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  • 1 month later...

Hi - I've had 2 bog off letters from WF and now i'm ready to take court action for mis sold ppi as they told me taht i coyuldn't have the loan without it. Only thing is, i've looked through all the threads but i'm still confused about what to put for POC... any help would be gratefully recieved as i don't wnat to cock this up..

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  • 2 weeks later...

Hey Guys...

 

Just wanted to let you know that i have WON the claim with WF in court...( 7th of Feb..more than a year since the first complaint sent)

The Judge reopened the agreement on a based of Extortionate credit bargian and redused APR from initial 44.5% till 34.5%...

The judge also ordered to refund PPI and Medicare...and my costs...

 

Thank you for all your help and support..

 

Please let me know if you need any help in claiming PPI and medicare back...

 

Kind 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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Him and a cousel/barrister:))))) met him 2 times:)))))

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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CONGRATULATIONS ITSME - he actually brought a Barister with him, what does that say -

 

you have done fantastically to stay with it and to stick to your guns, you were being robbed and it has been officially recognised as such!!!!!:)

'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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Hey May,

 

I had a hard time( more than 5 hours) at court:))) Was a hard job and i wouldn't do it without Pamela...But hey..it's all over:)))

 

How r u doing?

 

 

Regards,

 

 

M

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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Mine was Fast Track..................

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,

 

How are you, well I hope and what a absolutely fantastic win.

 

I am so pleased for you:D :D :D

 

I do know how hard it has been for you and you stuck with it:-D

 

I will be smiling all day for you now:-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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Hello Itsme,

 

How are you, well I hope and what a absolutely fantastic win.

 

I am so pleased for you:D :D :D

 

I do know how hard it has been for you and you stuck with it:-D

 

I will be smiling all day for you now:-D

 

 

 

Hello Hell,

 

I've celebrated well enough:)) and yes, it was a hard year for me and my claim..Howr u doing? ARE Ian and Dave still around?

 

 

xx

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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congratulations,

 

i'm due in court shortly against this lot so hope it goes the same as yours.

 

have you got any guidance or did welcome try anything in your case which we need to prepare for?

 

 

MC, i wish you all the luck...saying that i do not believe the luck helped me:)))))))))))

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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Hey Maggie,

 

Thank you so much:))

 

 

xx

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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Well, the judgement letter came through the post....i should have the refund by 28th:)) Loving it:))))))

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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