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    • is the side street solely for access to your garages? who owns the land and thus the road? dx  
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    • yes might be the best idea. you'd only at best get 8% flat interest and that unusual on a GOGW if this was what it was. simply contact the FOS and let them know its resolved. dx  
    • If you’ve ever wondered how you might fare in armed combat, the first 20 minutes of Steven Spielberg’s Saving Private Ryan is likely to make you thank your lucky stars you were born too late to storm the Normandy beaches on June 6 1944. I suspect many of us might be driven to identify with those men who were absolutely turned to stone by fear. And yet these young men, mainly conscripts, screwed their courage to the sticking point and did the job the fate had chosen for them, heroes all.   .. UK PM Sunak perhaps thinks he understands mind numbing fear better than many as he dishonorably fled the beachhead to do nothing more than double down on dishonest spin and lies from the safety of a UK studio .. The Normandy heroes who not only held their positions, but advanced through hell to a victory that changed the entire course of history .. undoubtedly hold a different perspective.     from a perspective in TheConversation     .. 'That was the slot that sunaks team offered for the interview
    • Yes, send a message to the purchaser but keep it very friendly and simply that you noticed that the package has now been delivered.  I suggest that you ask them if they want to keep the package still or if they would rather return it and that if they want to keep it then please will they return your payment to you to your PayPal address. Keep it as polite and friendly as possible and then we will decide what to do if he doesn't reply or refuses.  Meanwhile I will have a look at Google earth and see if you are able to spot the gas meter outside the house to get an idea if the delivery is real. Get a screenshot
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Ruthbridge Ltd & Hillesden Securities


LAN01
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I am really shattered after last night's drinking session (apologies for drunken posts lol) so will ahve a proper look in the morning and see what I can come up with.

All help is merely my opinion only - please seek legal advice if you need to as I am only qualified in SEN law.

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No problems Tiglet, the morning after syndrom eh? lol

 

I look forward to hearing what you have to say.

 

Take care

 

Lan

No one can make you feel inferior without your consent :)

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Good Evening,

If both Hillesden and Ruthbridge are stating that Welcome Finance is their client, or, that they act on behalf of them, the following is probable;

 

Ruthbridge act on behalf of Hillesden Securities (not Welcome Finance)..in their correspondence however, they want you to understand what and who the debt refers to, so rather than taking the time to make things clear (simply not in their remit), they make it look as though Welcome are in fact their client...they are not.

It is my guess, knowing Hillesden as well as i do, that they, as a company are ok with Ruthbridge doing this and if DLC (Hillesden) are stating that Welcome is their client also, it is because that in this case, they have not purchased the debt from Welcome, but are simply Managing the delinquent debt on Welcome' behalf and sub contracting out to a third party.

For the most part Hillesden are a debt purchase company and would normaly own the debt, but some of their portfolio relates to the above scenario.

Finally, as i have stated before, Ruthbridge do not take proceedings against anybody and all of the correspondence you receive from them and all of the nonsense they spout to you, is complete bluff. Some of the collectors may sound as if they know what they are talking about, but it is still all bluff becuase the more it sounds like you know what you are talking about, the more plausible it's acceptance.

Their motto is bull**** baffles brains, they just try to be a little more pursuasive with their style of bull****, that's all.

 

Good Luck

ITK

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Thanks for the insight ITK

 

I had gathered as much after reading one or two of your other posts. Ruthbridge have completely ignored my CCA request and as such I will be reporting them accordingly next week!!

 

I shall just wait and see what Hillesden do next

 

Lan

No one can make you feel inferior without your consent :)

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I need to respond to this agreement. Can someone please have a look and give an idea as to what I need to say to challange the integrity of the agreement.

 

Cheers

No one can make you feel inferior without your consent :)

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Am just subscribbing to your thread as my husband is in the same boat as you. Even the agreements are identical. His thread is

 

http://www.consumeractiongroup.co.uk/forum/general-debt/82783-welcome-finance-cca.html

 

I hope someone will be along soon to advise you. If you want advertise your thread on some of my threads. Ive been fortunate enough to of been offered alot of great advise from very intelligent people. :)

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Hi 120805

 

I have copied the agreement onto your thread so people can see it, hopefully we can both get it all sorted out!! :)

No one can make you feel inferior without your consent :)

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  • 1 month later...

Nothing at the moment, just sitting tight and waiting to see what they come up with next. Since Welcome aren't dealing with it themselves and the DCA's haven't provided any CCA except for Hillesden and they haven't bothered to chase me for it. I only CCA'd them as they were on my credit file and I didn't know what it was.

 

But I am ready to put up a fight if I have to.

No one can make you feel inferior without your consent :)

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