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    • We have finally managed to obtain the transcript of this case.

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


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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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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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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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Share on other sites

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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Long time:)))))) mine would be 6 month on the 10th of June:)))...time goes so fast:))) and on 18th it's my 26th Birthday:))))

 

anyways phoned court today and confirmed that my cliam "moved up" didn't know it was "down"..and i should hear from the judge soon and receive the directions:)))

 

looking forward:)

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

subsribing with great interest just got my reply to LBA from alexandria mace compliance officer saying no you wrong serve court papers at this address if you like 1

 

 

Hello Donbracho, than you should file the court claim...i will post in the evening my POC, so other CAG members can used it.....

 

Don't let them threaten...i am behind you:))))

 

 

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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Hello Carina:))))

Get your copies of everything together... I had sent 3 copies of each to court..and haven't receieved even my stamped back yet....they were usually so fast with all confirmations....but yes, they are taking some time....

 

 

 

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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Share on other sites

Sandra,

U r so sweet:)))) going to PM in an hour...would need some advise.....

 

Kind regards,

 

 

Maria

  • Haha 1

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

Ta for the anon click:)))

  • Haha 1

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

cheers for the help itsmeandonlyme they sound quite full of themselves in their letter ey !

 

u r so rigth Don:) ,

 

but u never know...i think itsonlyme and carinas left who hasn't recovered PPI...everybody else seems to have it else or gave up because of those letters....whatever you do...complaint to FSA....please...

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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Share on other sites

:)

Give them a ring, i phoned my court last week and they couldn't have been more helpful.

I did provide 3 copies of everything but i recieved a letter stating that i must deliver to the court copies of all documents to be relied on. I think this is for the evidence. Also says we have been allocated 2 1/2 hours, hopefully it wont take long for the actual date of the hearing to come through.

Oh well.... Looks like i will go to court... more time off work :-| Thing is if they made me a realistic offer now i'd take it, and they'd save theirselves some £ !

 

 

Hello Carina,:)

 

thank you for the click:))))

 

have u noticed that so many old memebers left? i miss some of them badly....

 

anyways, where r do u live??i do not mind coming on the hearing..if you get your date first!:))

 

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:)))))

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Don,

 

I could email you my POC...PM me your email...

 

 

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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Hi Maria

 

I have noticed a lot of people have left or given up their fight. I guess thats why Welcome string us along for so long, because they think we will give up but that is not the case!

 

My court is Romford Essex, you are more then welcome to come along on the day!

 

 

Hello Again:))

i am very suprised that 'nobody keeps 'Welcome Finance any dealings'' alive...very sad..when i started it was one of the larges WF threads on the CAG...Any ways...still no reply from court...waiting every day...

 

 

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:)))))

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Thank you Flower, i had a nice time:)))

 

re Welcome :I have a hearing date now: 9th of JULY..

 

 

:rolleyes:

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

Excellent progress at last:grin: :o

 

Happy birthday for yesterday,:-D

 

 

Hello Sandra,

still feel a bit :eek: from the drinks... a bit :eek: from the court letter

 

 

:lol:

 

 

Pamela explained that it's not an ectual hearing-hearing...its like a trial for my amended POC, so judge would speak to me and ask why i have amended claim...etc...

 

 

It's very nice of you to send me some nice words about my birthday.....

 

 

i want to come on this CAG meeting in Hampstead and meet some CAG members...How far do you live from London??? r u coming?

 

 

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 Maybelline, sorry what is that?

 

 

 

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 Sandra05,

 

FSA is the fin organisation that doesnt investigate individual complains, but do record them and when they gather enough complaints they will start investigating.

 

The address is:

25 The North Collonnade

Canary Wharf

London

E14 5HS

 

 

I personally found FSA

 

The only way is filing a court claim, but as you see in my case it would take a long way with WF.

 

About your 6..i am sure they can easly take it out, but you have to try and ask them politely....if not...than in a formal letter...but do not push it too hard at the beggining...it's on their descretion

 

Good luck...

Keep going and update us with the results.....

 

 

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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Share on other sites

Hello Maria,

 

Sound like you had a very good time if you were still suffering form the drink:lol: :o

 

I live in Manchester I think a few hours from Hampstead and when is the meeting?

 

Look don't worry too much, I know its a bit scary the though of going to court, but think positive, becouse you are right and they are wrong.:D

 

 

My dear dear Hell,

 

thank you for the support:))

 

 

The link to the Hampstead meeting is http://www.consumeractiongroup.co.uk/forum/announcement.php?f=111&a=91

 

 

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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Dear Maybelline,

 

 

Thank you for the link...will read it tonight:)

 

How r u?

 

 

 

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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Share on other sites

Hi Itsme

 

I will get a letter off to them tomorrow.

 

I cannot get over the fact that if you miss a payment it starts of as a one on your credit report then 2 etc but they have mine as 6 misses. Which you would expect it to look like

6 5 4 3 2 1 0 0 0 0 but my credit history shows 6 0 0 0 0 0 0 0 0 where is the previous missues?

 

I have heard and read that they do this on purpose so it effects your credit history and if you are looking for finance you end up going back to them. As this sits on your credit report for 6 years.

 

Thanks again.

 

sandra

 

 

they can be very nasty....not surprised..i would write and ask them same question..But did you miss 6 payments?

If not than what they have done is iligal....and you have all the rights to point at it...be strong....we r here to help:))

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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Share on other sites

FOS sent me fob off letter and point me in the FLA direction.....

 

FLA sent me back to WF..

 

waste of time!!!!!!!!!

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

Dear Maybelline,

 

you can always PM...i ll be more than interested to know..what is happening with your claim:)

 

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:)))))

Link to post
Share on other sites

One more letter received offering me more many with their interest...such a bargian:)))))))))

 

 

not so long left till the hearing....counting...

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

yes, same here, encouragement to take out new loan! they prey on vulnerable situations and this is how these type of companies make their money, I see no reason why low income families should not be offerred a fair deal.

 

your PM box is full.

 

 

try again:))))

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

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