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      By tobyjugg2 · Posted

      So, Sunak has managed to get someone to 'volunteer to go to Rwanda hasn't he? .. for just £3000 payment to the person plus 5 years free board and lodging isnt it? - cost to UK taxpayer over £300M+ (300 million quid+) isnt it? - Bargain says Rwanda, especially with all the profit we made privately selling those luxury chalets Bravermann advertised for us   I wonder how many brits would jump at that offer? Thousands? Hundreds of thousands? Lets see, up to 5 years free board and lodging and £3k in my pocket .. I'd go - and like that person - just come back if/when I get bored. First job - off to Botswana for a week to see the elephants.   Of course the paid volunteers going to Botswana are meaningless - Rwanda have REPEATEDLY said they wont take any forcibly trafficked people in breach of international law eh? Have the poops actually got any civil servants to agree to go yet - probably end up as more massive payments to VIPal contractors to go and sit there doing nowt shortly eh?    
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      By Restart · Posted

      Hi Wondered if I could get a little advise please. I entered into a commercial lease (3 years) and within a few months I had to leave as the business I was trading with collapsed. I returned the keys to the landlord and explained the situation and no money, also likely to go on benefits but the landlord stuck to their guns. They have now instructed solicitors to send letter before action claiming just over £4000. The lease was mine and so the debt. I know this. I have emailed the solicitors twice to explain I am out of work and that with help from family I could offer a full and final settlement figure of £1500 or £10pw. This was countered by them with an offer to reduce the debt by £400, or pay off the amount over 12 months. I went back with an improved full and final offer of £2500 or £20pw. This has been rejected with the comment 'papers ready to go to court'. I have no hope of paying the £4000 and so it will have to go to court. Pity as I have no debts otherwise but not working is a killer. I wondered if they take me to court, could I ask for mediation? I also think that taking me to court will result in a pretty much nothing per week payment from my benefits. Are companies just pushing ahead with action even if a better offer is on the table? Thanks for your help.
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      By Hikertrash · Posted

      Hi all, Many thanks for the advice! Unfortunately, the reply to the email was as expected…   Starbucks UK Customer Care <[email protected]> Hi xxxxxx, We are sorry to read you received a parking charge after using our Stansted Airport - A120 DT store. Unfortunately, the car park here is managed by MET parking. Both Starbucks and EuroGarages who own and operate this site are not able to help and have no authority to overturn any parking charges received. If you have followed the below terms then you would need to send all correspondence to [email protected], who will be able to assist you further. Several signs around the car park clarify the below terms and conditions: • Maximum stay 60 minutes, whilst the store is open. If the store is closed, pay to park applies. • The car park is for Starbucks customers only who make a purchase in our store, a charge will be issued if you left the site. • If you had made a purchase and required additional time, you must have inputted your registration number into the in store iPad which would have extended your stay up to 3 hours • To park in a disabled bay, you must have displayed a valid disabled badge. • If Starbucks was closed, you must have paid for parking as charges still apply, following signage located on site. • If you didn’t use the store, you must have paid for parking, following signage located on site Please ensure all further correspondence is directed to MET parking at the above email address, and accept our apologies that we cannot help you further on this matter.  Kind Regards,  Lora K  Customer Care Team Leader Starbucks Coffee Company, Building 4 Chiswick Park, London, W4 5YE
    • Mdg123
      Private parking charge from Euro Car Parks now with Debt Recovery Plus

      By Mdg123 · Posted

      Thanks HB edited and re-uploaded. Thanks for the heads up 👍
    • bruv1
      Trying to find contact details for prime credit 5 S.a.r.l

      By bruv1 · Posted

      Am in the middle of selling my house but it's been held up as still showing a change on the property from welcome finance, have not had any contact from them for years or prime credit and need this sorting asap As far as am aware the loan was paid of some 8 years ago

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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.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

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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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Parcel delivery insurance is prohibited under section 57 – Consumer Rights Act – Read about It Here and in The Times.

Posie v Welcome

posiepain

By posiepain
in General Debt Issues

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posiepain

posiepain

Posted
Posted

Hi guys. Just wanted some advice re the wonderful welcome company. I am probably the only person ever in this country to not actually be sold a PPI with my car finance I think! However, I purchased a vauxhall corsa in 2004 on HP with Welcome, I had to voluntarily surrender the vehicle due to a change in circumstances, despite attempts to negotiate with them. I've just dug the agreement out and cannot believe how stupid I was to agree to this! Amount of credit £5055 + £150 acceptance fee + £4372.44 finance charge bringing the amount payable to £9577.44!!! at an APR of 42.3%!!!

 

Since the 28 April 2006 I have been paying them £20 per month off the o/s balance but at this rate it is going to take me years to clear this debt. Does anyone have any advice as to what (if anything) I can do with it? Also I have not received any statements whatsoever from them since I made this agreement?

 

Thanks for reading.

 

Posie

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adienotts

adienotts

Posted
Posted

Hi Posie

 

When you made the new agreement with Welcome Finance, did you actually sign another agreement with them? and do you have a copy of the new agreement?

 

To cut a long story short, I had to ammend my agreement with them due to a change in circumstances. I never recieved a copy of the new agreement that I had with them, nor could i remember signing anything.

 

I sent them a Stuatory Access Request and a CCA with regards to getting hold of a copy of this agreement. Welcome finance could not find a copy of this agreement and as a result they advised that they would write off the remaining balance of my account and not pursue me for any further payments.

 

If there is no agreement, then it is not legally binding.

 

If doing this does work out to your benefit and they do write off the balance, be sure to check your credit record file and make sure that they have recorded an accurate entry in there.

 

I hope this is of benefit to you and best of luck. If you need any further advice please don't hesitate to ask me and I will try my best to help.

 

Regards

 

 

Adienotts

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rory32

rory32

Posted
Posted

We could do with a little more info on this "new agreement". What is it for and what is the background to the agreement.

HAVE YOU BEEN TREATED UNFAIRLY BY CREDITORS OR DCA's?

 

BEWARE OF CLAIMS MANAGEMENT COMPANIES OFFERING TO WRITE OFF YOUR DEBTS.

 

 

Please note opinions given by rory32 are offered informally as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

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posiepain

posiepain

Posted
  • Author
Posted

Sorry Rory, didn't have time earlier as the dog was munching my best boots! I had an HP agreement with Welcome in 2004 for a Vauxhall Corsa, just over 12 months later I had to voluntarily surrender it due to a change in circumstances (I had tried to liaise with Welcome but it came to nothing). The car was subsequently auctioned by them but I'm still left with £2700 ish left to pay on it. I currently have a verbal agreement with them of £20 per month via direct debit to which I have received no written confirmation, nor have I signed any new agreement. Someone one here suggested that this could mean that this isn't legally binding and perhaps I may be able to challenge it. I'd initially checked my original agreement to see if I had been paying for a PPI but discovered that I hadn't (guessing I'm probably the only person who hasn't judging by the stories on here!). So that's what I'm looking into. Hope that helps.

 

Posie

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yaffsimone1

yaffsimone1

Posted
Posted
I currently have a verbal agreement with them of £20 per month via direct debit to which I have received no written confirmation, nor have I signed any new agreement. Someone one here suggested that this could mean that this isn't legally binding and perhaps I may be able to challenge it.

 

It depends how far you want to push it with Welcome. Just because the agreement is verbal it does not necessarily mean it is not legally binding!

 

Under Contract Law most contracts do not HAVE to be in writing.

The agreement between the parties is the contract.

The contract documents are the evidence of the contract

 

The agreement can be evidenced by:-

 

Verbal agreement (subject to memory + evidence)

 

You will be amazed at how little these creditors know about Contract Law so i wouldnt worry too much about them pursuing under this law at the moment.

 

The reason i mentioned it is because i feel it should be made aware that just because it is verbal it does not mean it is not legally binding

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powelll

powelll

Posted
Posted

By the sound of it you haven't actually got a new credit agreement with them anyway so the contract law stuff won't apply ( but I see where your thinking comes from Yaffsimone! ). It sounds as if you have an informal arrangement to pay back what was left after you voluntarily terminated the original HP.

 

Under CCA regs, when you vol. term on HP you are liable to pay up to 50% of the original agreement, minus what you have paid already. There should be a box titled 'termination - your rights' on the original agreement which gives this 50% figure. It may be worth double checking their figures.

 

If you do accept that you owe the money you are not legally bound by the informal arrangement you have ( if I have understood you correctly ). You could in theory offer them £1 or zero per month if that's all you have spare. It's then up to themwhether they accept this or pursue you using DCAs or via county court.

 

Below link may be useful

 

National Debtline England & Wales | Debt Advice | Factsheet 16 How To Deal With Hire Purchase Debt

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Janet-M

Janet-M

Posted
Posted
My apologies Janet-M, I read through and saw quite a few different cases being quoted on here so assumed it was a general welcome thread. Certainly wasn't my intention to hijack. New thread started as requested.

 

No problem Posiepain :)

It is in everyones best interest to have their own thread as any advice you ask for in the future can be given much more easily if people can see at a glance what you have done so far .

When you want to fool the world, tell the truth. :D

Advice & opinions of Janet-M are offered informally, without prejudice & without liability. Use your own judgment. Seek advice of a qualified insured professional if you have any

doubts.

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posiepain

posiepain

Posted
  • Author
Posted

Not if you do Sociology in Cardiff yaffsimone - I'm about to embark on 2nd year, yawn! Hopefully now other threads are there you can see what prompted me to query this issue! I may not be able to do anything at all but rue my own gullibility but its worth asking I think.

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adienotts

adienotts

Posted
Posted

Hi Posie

 

When I ran into difficulties with my monthly payments with Welcome Finance due to circumstances beyond my control. My monthly payment amount was changed to something more manageable, they did take the ppi off my payments. This was a verbal agreement and I never recieved anything in writing. I knew for definate that a new agreement had been put in place due to a check on my credit file.

 

You said that you had a greed a new monthly payment with Welcome. Did they give you in an indication on how long you had to maintain these new level of payments? Have they reviewed it any stage? It is worth checking your credit file to see what the status of your credit file is. You can do this quite quickly and for free if you register with Experian Credit Expert, check credit rating, credit reports & file alerts - with Experian CreditExpert.co.uk (an experian based site).

 

It wouldn't put it past me if they have formed a new agreement, even if the agreed payments are a lot lower. They are the type of company who know damn well that it would take you ages to pay off what you owe, but they aren't bothered as long as they are loading the interest.

 

If your credit file shows that the original agreement has been settled and a new agreement has been put in my place (as they did with myself) you are pretty much laughing as they have to abide by certain regulations (i.e. a written agreement needs to be in place signed by yourself).

 

All the best

 

Regards

 

Adienotts

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posiepain

posiepain

Posted
  • Author
Posted

Oh cripes I didn't even think to check what they were doing with interest on the account, lord only knows what I owe in that case. Just tried that link for credit check but they don't accept my debit card :( . Anyone else I can use for free one? Funds very low at moment! For a change! lol

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posiepain

posiepain

Posted
  • Author
Posted
Just tried that link for credit check but they don't accept my debit card :( . Anyone else I can use for free one? Funds very low at moment! For a change! lol

 

Found this which looks quite good, as long as you subscribe to their annual newsletter you get a yearly credit report for free. annualcreditreport.co.uk – a free credit report every year, no credit card details required There's an option to obtain one instantly online for £1.71 but the authentication doesn't work for everyone in which case they don't charge your card and send a password to your home address.

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powelll

powelll

Posted
Posted
Oh cripes I didn't even think to check what they were doing with interest on the account, lord only knows what I owe in that case. Just tried that link for credit check but they don't accept my debit card :( . Anyone else I can use for free one? Funds very low at moment! For a change! lol

 

FREE CRED REF FILE.pdf

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posiepain

posiepain

Posted
  • Author
Posted

Adienotts, is there any chance that whilst i'm paying this off, they're adding interest to it each month, thus making any payments I make completely useless? Couldn't get hold of my local office to check today and I'm panicking a little. Did they do that to you?:confused:

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adienotts

adienotts

Posted
Posted

Hi Posie

 

They maybe still adding interest onto your account. It all depends when you took your original agreement out with them. When I took my agreement out they loaded all of the interest onto my account right at the start. I believe this has now been deemed unlawful and that finance companies are no longer to load interest right at the start of the agreement like that. I'm not sure when this was deemed unlawful, I did manage to get that information somewhere on the Thread Welcome Finance any dealings.

 

One thing which i did, that I think would be of benefit to you would be to write a letter to your local branch asking them for a statement of your account. This will therefore show you payments which you have made and also your outstanding balance. You could then tell whether or not all your interest was added at the start of the agreement or whether or not you are still paying interest.

 

All the best

 

Adienotts

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rory32

rory32

Posted
Posted

The rule of 78 (as the front loading of interest is known as) was abolished for all loans taken out after 31st May 2005.

HAVE YOU BEEN TREATED UNFAIRLY BY CREDITORS OR DCA's?

 

BEWARE OF CLAIMS MANAGEMENT COMPANIES OFFERING TO WRITE OFF YOUR DEBTS.

 

 

Please note opinions given by rory32 are offered informally as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

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adienotts

adienotts

Posted
Posted
Thanks for the info, letter on its way. I have no nails left! :(

 

Just stick to your guns Posie and you'll be ok. Just don't stand for any rubbish from them. They deserve to be challenged and punished for all the wrongs and misery they've brought to their customers.

 

Adienotts

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