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    • Ok I got the Parking company wrong. Sorry. The WS Witness Statement  is what you will need to complete if NPE decide to go to Court. So are you saying that when they finally got round to sending you the correct documents, they dated the new NTH the same date as the original NTH? I hope you have kept the original one and the correspondence with NPE, yourself and the ICO. So yes, please post everything up.
    • Why are you paying them anything? you are just running out the statute barred clock to infinity. Personally I'd stop paying them immediately, and ignore any further communication from them unless it's a letter of Claim.  Also have you moved since taking out the Credit card, if so you need to write to them with your current address.
    • No they must've redacted the contract, that was like that when I received it. Yes correct I was there for 90 seconds!  Yes I uploaded the whole contents of their response to my CPR31.14, which included the original PCN 
    • Hello, I have an old Capital One credit card debt under £1500 for which I've been paying £1 a month for 5+ years. I did a CCA request to Lowell and received the original signed CA plus statements from date of inception to the end of 2019. I can see from the statements that no payments were credited to the account for all of 2019. I know payments were made as they were part of my DMP with Payplan. At the time the account was with Fredrickson.  They have not provided any statements from 2020 to present and I am writing to them to request these. So I'm sure the balance they are pursuing is incorrect - can I dispute the debt amount based on this and render it unenforceable? I've trawled the forums and Google searched but can't find an answer, so apologies if it's been asked before. Any input most appreciated, thank you :-)  
    • Thank you for your comments everyone. I have spoken to Ico about recording my phone calls for my personal use and also mentioned it to a law firm they said i was ok as long as it was not shared and for my personal use. I would never share it. I can easy prove i need to record on disability grounds.. I normally make videos how i am to document my conditions and how i am affected. I have in the past obtained a phone call to doctors to reception by GDPR. Normally I have my partner with me now. The only way i found is to have a advocate with me. even with my partner with me a trainee gp seen a short video and said in front of my partner “are they voluntary or involuntary”   
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PPI and Welcome Finance!


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Well add me to the list of people taking on Welcome Finance!

 

Basically I have a loan with them which I took out this time last year for around £3000. I saw the FSA annoucement re GE Money and thought I would look into this, as I believe that I was told that no PPI equalled no loan! Checked my agreement and PPI of £1200 has been added on. I therefore rang local Welcome Office about this and spoke to a guy who said, yes I can cancel but they will get a reimbursement figure from Norwich Union and this will just be knocked off what I owe them, ie not reducing my payments in anyway. Now I believe that it shouldn't have been there in the first place. I didn't need it, I am covered through my job, and frankly it wouldn't cover me anyway (I am pregnant and it does not cover maternity leave), why I am therefore paying for it! So I have written a letter to them asking them to refund the balance and either amend my payments accoridngly or let me have an up to date balance which shows that this has been refunded! I have also stated I want all interest payable on the £1200 from when I took out the loan to date, which they have charged at the loan rate (some extortionate amount). I have also said I will serve a SAR on Norwich union for the info they hold on file about my loan which would reveal to me the "true cost" of the insurance! Which I believe is about 80% of what they have charged me!

Now the interesting thing here is I actually deal with these people at welcome from a business point of view as I am a Solicitor in the local area, and they are very familiar with me, and me with them. I am interested to see if this has any affect on how they deal with this, as when I spoke to one of the guys I did say I would consider legal action, etc etc, and he said they would "want to avoid that" at all costs! Basically one of the other Solicitors here took them to Court and won! Huh. We shall see.

So that's my story. Will let you know how I get on, and if my case can help someone else, then hope me sharing my story is worth it!

Halifax plc - £1600 WON - received

Halifax plc - £925 WON - received

Halifax plc £370.00 WON - received

 

Yorkshire Bank - £1290 WON - received for boyfriend

 

Back to sort out Credit File and get back on track!

 

HAVE FAITH AND KEEP GOING :p

 

 

 

 

 

 

 

 

 

 

 

 

 

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Hello Claire,:p

oh really good luck with yours.

 

Same company, different problems....!:D

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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its always good to find out that we have the law on our side maybe you could be the link we have hoped i will follow your case with great interest & your friend beating welcome proves they can be beaten good luck with your case we are all behind you

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Wow, Welcome to our little ppi section. It nice to know that your are on our side being all up to date with the law and everthing.

 

I wish you every success in your claim and will folow your thread with great interest.

 

Let the battle commence

Keep the faith

Never give in never surrender.

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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Hi Craig,

well now that they have told you nicely to BOG off, I think it would be time to step up a gear and send them a nice LBA.. and see what they say to that one..

 

Good Luck and you will have our support and help if you need it.. Just Shout.. But dont shout to loud you might frighten the ferret above..lol

 

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.

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Well, I would like to say I had received a response from Welcome Finance, but what I have received is a compliments slip with a copy of the documents which I signed! HELLO! I am not disputing I signed them I know I did, I am disputing that I was not explained what the PPI was and that it was implied that this was required to be taken out to obtain the loan!!!!!! Where are their replies to my enquiries?

They are today getting a snotty letter back, and being told that as the account is in dispute no further payments will be made and interest is to be frozen!

Will keep you posted.

Halifax plc - £1600 WON - received

Halifax plc - £925 WON - received

Halifax plc £370.00 WON - received

 

Yorkshire Bank - £1290 WON - received for boyfriend

 

Back to sort out Credit File and get back on track!

 

HAVE FAITH AND KEEP GOING :p

 

 

 

 

 

 

 

 

 

 

 

 

 

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Good Luck Claire,

Some of these companies seem not to be able to read letters properly and just send out what they feel like sending..

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.

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Whats this reference to the ferret. She akin to me is extremely nice sweet gentle natured kind to others who deserve it, but unfortunately when put in a corner and has to defend herself will fight to the death and take no prisoners.

 

Ooops sorry getting carried away again.

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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Hi Craig,

well now that they have told you nicely to BOG off, I think it would be time to step up a gear and send them a nice LBA.. and see what they say to that one..

 

Good Luck and you will have our support and help if you need it.. Just Shout.. But dont shout to loud you might frighten the ferret above..lol

 

Ian

 

Do you know where I can get a copy of the LBA for PPI?

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Do you know where I can get a copy of the LBA for PPI?

 

You can look at my thread Itsme VS Welcome Finance ..I have copy of LBA there

 

 

I believe reidnet is off for couple of days

 

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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  • 4 months later...

Mr S is leaving, so i do not think he is really up to fight...All the letters should be sent to Ian Orrill, Legal Manager.

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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  • 4 weeks later...

Any update?

Completed:

RBOS Charges - £2435 settled in full :)

RBOS Default Removal - Removed :)

Carphone Warehouse Default Removal - Removed :)

Welcome Finance Default Removal - Removed :)

Viking Direct CCJ - Removed :)

Littlewoods Default - Removed :-o

 

Ongoing:

N Hunter SAR

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