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    • Just a typo change that I'd make for the last line. Maybe also add something that says "I assume you will be fully aware that you cannot rely on a clause of a contract that you do not produce."
    • Hello, Firstly, and most importantly I am sorry for your loss. I would go back to the bank with the death certificate and ask them to step in. Remind them firmly but politely that there is no limit for DD claims   Please let us know how you get on.
    • My wife is the named person to his bank account with him having Dementia being his daughter (I say named person she still is but he recently passed away and the deputyship application has now being stopped by the solicitor as it's no longer needed) We've only just got the Death Certificate so the bank will be the next step informing them. She went to the bank and explained the situation but even being his named person the bank said she didn't have the power to stop DD without any legal documents (virgin money) was the bank. She could have copies of bank statements that was about it.
    • I see you said you tried to stop the DD but it seems that didn't work. May I please ask why that didn't work? You should be asking your bank to cancel the DD and I don't see why they would have objected, hopefully you can clarify this. I agree that you should be making a claim here against your bank and ask them for a DD refund. There is no timeframes for this.
    • Thanks DX,   I wasn't aware we could do that for that length of time. I'll ask my wife to check with the bank this week
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    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

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    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
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    • We have finally managed to obtain the transcript of this case.

      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.

      Frankly I don't think that is any accident.

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      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
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      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Itsme VS Welcome Finance


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Tell me about Itsme, I have been at it with GE Money since September / October time.. And still no refund.. Well at least it is now in court and they had up till 4pm tonight to submit their defence, I will be phoning the Court tomorrow morning to see if they have or not.

 

Ian

 

 

Oh..well..it's our luck:)))I heard GE submited defence... the are very difficult to deal with....it takes a lot of time and nerves since september....for you...Keep gooing u ll get there at the end.

 

Now, i took N1 to court by myself and receptionist stamped it and geve me my copy back...what will happend next?;) should i wait for letter from court or from WF? how does it work?

 

 

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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Hello Angela, and Welcome:)))))))))))

i WOULD claim Medicare as well as interest back and PPI...Reidnet suggested contractual interest on the top of it.....Keep going and let us know when you get refunded:))))))))))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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hi, just a quick update to say, no reply from FLA yet, coming up to four weeks now so should hear nowish? once I have their response, assuming it is negative I will proceed to complaining to ombudsman and taking legal action.

 

Hello maybelline, do not bother with FOS- WF are not under them....this is what they told me in their reply...waist of time and postage...if no reply from FLA, than file the claim....

 

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 guys Archie here firstly well done to craigmac result with welcome i today recieved my first reply from them saying that my PPI was not missold as i agreed to it when loan was given & on grounds that i have already had 2 claim forms from the DIRECT GROUP in order to claim which i have never sent or even filled in also claiming that they have credited my account with £315 as a goodwill on their behalf on the charges front i have now to contact them this payment is a full & final settlement which i know they owe me a lot more please some advice on PPI & this payment

 

Hello Archi, how much are u claiming back? Who are these Direct Group people?

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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Just an update: today i have received an aknowlegment from court: "Notice of Issue". WF have until 26 March to reply...I am more than happy ..time is ticking:)))

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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Ahh, Clock is ticking for you now too, Be interesting to see what they state in their Defence.. No doubt a lot of Bullshit and passing the buck ..lol

 

Good Luck

 

Ian

 

Oh well, Ian, i just have to wait..how is your claim going?..going?..gone?:)))))

without a joke...how is it...???do you think they will let it go to the court?you always help everybody...is somebody helping you with it? i mean legal-professional?....it seems like a hard case..this one....

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 folks, still no reply from FLA or Welcome, more than one month from my letter of complaint, FLA are expecting Welcome to respond to my complaint?? seems unlikely to me that this will be useful:(

 

 

Hello, Maybelline.... sweety, you r waisting your time..file a claim...my complain to FLA got me £22.44 refunded for the Medicare cancellation and that's it...I thought they were promissing ...but, to be honest with you..i have just waisted my time and hopes....They should take 21 days to get a final reply from WF..chase it if no reply...phone them tomorrow....but you should get your N1 ready....

 

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 its me ,Archie here DIRECT GROUP are the people who if you have to claim your PPI back from welcome send you the forms out & iam claiming back £1085 on the PPI & £785 BACK ON CHARGES but need some advice on what to do next

 

 

Archie, do not bother to deal with Direct Group....WF provided you loan and PPI....deal only with them...read through the PPI claims....have you started your own thread?

U r asking what to do next..what have you done already? stick to the timetable...SAR-40 days-Prelim-2 weeks-LBA 10 days-Court claim....

Everything is so simple...Forget about DG and go after Welcome..Have you done your spreadsheet?

 

 

thank you

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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Archie, you have to deal only with the company that supplied you with the loan..at the end of the days...they are the ones that singed you on PPI..they missold it to you...Direct group wouldn't be responsible for the selling techniques and strategy of WF staff...

Good luck:))

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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maybelline, i agree with you...but to behonest with you..they didn't help me at all....but as you said:

you have to demonstrate to the judge that you have tried to use their complaints process before you can go into court with it

Well, in my case WF has a week to submit defence.....

R u claiming contractual interest as well??

 

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,

 

I put my N1 claim in against Welcome on 16th March. Ppi inc interest & fees charged to my account. I have claimed 8% interest too. Will be watching your thread with interest as you seem t6o be a week ahead of me! I wonder if they will make a defence!

 

 

Thank you carinas,

 

at this stage i am trying not to think much about it....stressed enough with this claim...eating loads of sweets and chocolate....:))))))did you claim contractual interest as well?

 

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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:))))))))))you so good:))))

 

Ian, i just have found in my Statement of Clam..one figure that is not supposed to be there( in total.....i was amending the figures( before i have printed out)..and in one paragraph i left the old one, not correct bigger money figure.... the court sent me aknowlegment...so i believe i can just leave it as it is...?????

 

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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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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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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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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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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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:)))))

Link to post
Share on other sites

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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Share on other sites

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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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?:)

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

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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Share on other sites

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:)))))

Link to post
Share on other sites

They are...i have complained to FSA..but they will never reply to you or let you know the outcome..I believe they gather complaints by individual and then check the company...but they would never let you know where their stand.....

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

Hello Dave, glad you posted it here.....

first of all ( about the agreement) mine is 2 sided..T&C are on the other side...so it looks like a true one....

My point is that they put an intrest on the acceptance fee ...and as you said if the loan was for 6..years..the intres has been paid for the acceptance fee for 3 years....Than the agreement doesnt tell you the final amount? Is it legal? Can i use this matter in the court?...Than in my Declaration form says : Loan is Secured on my hous..which i din't have and do not have?????

Than when i asked to cancel my PPI and Madicare thay sent me different Policy Schedule to the one that was supplied when the loan was given........

 

I am researching these topics..as it would be very important to know what i can do and what i can't.....

 

Your advice would be highly appreciated..as well as Pams..:))But i will post it as well on the 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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