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    • You need a back up plan. If you believe that redundancy is very likely, start looking at other employment options.  Don't leave it until you have been made redundant before looking for new employment. I regularly speak to people who have been made redundant and about mental health. Those who have a positive plan, get into employment quickly following redundancy and manage to maintain their finances. Those who don't have a plan, decide to accept redundancy and a period of unemployment. They end up in a downward spiral, with redundancy money spent, debts accumulated, mental health decline and difficulty finding new employment.  
    • Interested observer here as I'm in a similar situation. People become conditioned into seeking and maintaining a perfect credit score/file, but if your situation is that you're unlikely to obtain further credit for the foreseeable future anyway due to your other outstanding debts, then tanking your credit file now won't make a difference other than you've took back control of your finances.
    • Firstly, I would like to thank everyone for their help in this matter. Since my last post I have received a reply from Plymouth Council Insurance Team concerning my wife’s accident (please see enclosed letter and photo of the offending Badminton post) which they deny any responsibility for the said accident. I feel that the Council is in breach of their statutory duties under the following acts: The Leisure Centre was negligent in its duty of care and therefore, in breach of the statutory duty owed under section 2 of the Occupiers’ Liability Act 1957. Health and Safety at Work Act 1974 (the Act) to ensure, so far as is reasonably practicable, the health, safety and welfare at work of all their employees, and others who might be affected by its undertaking, e.g. members of the public visiting the Leisure Centre to use the facilities. The Management of Health and Safety at Work Regulations 1999 that requires employers to assess risks (including slip and trip risks) and, where necessary, take action to address them. The Provision and Use of Work Equipment Regulations (PUWER) require the risk to people’s health and safety from equipment that is used at a Leisure Centre be prevented or controlled. I would like some advice to see if my assumptions are correct and my approach to obtaining satisfactory outcome to this matter are accurate. Many thanks   PLM23000150 - Copy Correspondence.pdf post docx.docx
    • Talking to them does not reset the time limit, although they will probably tell you it does, they'd be lying. Dumbdales are the in-house sols for Lowlife, just the next desk along. If Lowlifes were corresponding with you at your current address then Dumbdales know your address. However, knowing that they are lower than a snake's belly, you would be well advised to send them a letter, informing them of your current address and nothing else. Get 'proof of posting' which is free from the PO counter, don't sign it, simply type your name. That way then they have absolutely no excuse for attempting a back door CCJ.   P.S. Best course of action, IGNORE them, until or unless you get a claim form......you won't.
    • A 'signed for' Letter of Claim has been sent today so they have 14 days from tomorrow... Lets wait and see what happens but i suspect judging by their attitude they wont reply 
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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.

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Welcome Finance - This company needs to be banned.


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Blondbomb

 

Interest on acceptance fee = unenforceable

 

hence their sudden 1/2 off offer to you.

 

I have just found the same thing on mine however mine is a bit different to others I see on here - my agreement is very misleading and on the face of it looks like my contract is enforceable as the acceptance fee is all listed seperately and does not 'look' like it is added in to anything - until you get a statement of price (the court ordered WF to send me that as I am suing them) and then lo and behold you see the interest added on in a monthly payment breakdown - very sneeky Welcome - complained to the FOS about this yesterday as I think they have been deliberatley misleading canx my DD and am just filing in papers to sue them again this time to get all my repayments back.

 

Hi Andie,

 

Do you know if the 'statement of price' is a court thing, or something that can be obtained using a SAR? I have a sneaking suspicion that Welcome have charged interest on fees on my partner's agreement.

fix (vb.):

1. to paper over, obscure, hide from public view;

2. to work around, in a way that produces unintended consequences that are worse than the original problem.

Usage: "Vista fixes many of the shortcomings of Windows XP".

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Thanks, will do :)

fix (vb.):

1. to paper over, obscure, hide from public view;

2. to work around, in a way that produces unintended consequences that are worse than the original problem.

Usage: "Vista fixes many of the shortcomings of Windows XP".

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I think my SAR has arrived, but I won't find out till tomorrow as it's at my mum's house.

 

I'm interested to see what they actually have sent me and I'll let you know, especially if this Statement of Price is part of it. If it isn't, I'll be requesting it.

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I think that's fine Andie.

 

They have included it in the loan and interest has been added to this, what's more, you have proof that they can't do this (Wilson v First County Trust). Send it asap!

 

P.S. Share price is 2.65 :)

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good all sent - via email and hard copy in the post - assaulting them on all fronts, I'll give it a couple of weeks if I get nothing i'll file in court - nothing to lose really (except maybe court costs!) but hey ho

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Hi all!

 

Does anyone have any idea where the calculator is to add up the PPI they have charged me and to include the 8% interest?

 

My time to stike!

 

Stewie

 

http://www.consumeractiongroup.co.uk/forum/payment-protection-insurance-ppi/152816-download-ppi-calculator-here.html

 

I used this one - it's complicated but i got it in the end

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Barclays have increased their shares in Cattles......very strange. I wonder if there's something we don't know in the background, or if they may be planning a takeover.

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SAR has arrived and guess what, the Acceptance Fee has been included in the credit. The Fee is £75 and they take £1.67 a month of it over a 60 month loan, meaning I'd be paying £100.20. They only wrote back to me a few days ago advising they didn't and that my complaint was void.

 

Another letter me thinks!

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I had issues with them back in December regarding a missing payment that I had already arranged to pay on an alternative date. The local branch phoned me and denied that any arrangement had been made and also accused me of committing fraud. They then charged me for this. I sent a letter of complaint in January also refusing to pay the default charge and heard nothing, I then sent another letter in Feb and still have not heard anything. I am aware that making such an accusation is against the law.

 

Ben

Edited by BS68
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Well I've typed up a letter to send to Welcome's H/O asking for my payments to be returned, along with interest at 8% and for all information to be removed from CRAs immediately. I also accused the Compliance Officer of telling lies as she categorically denied any wrong doing. I wonder what kind of reply I'll get, if any. :lol:

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sorry to hijack this thread but so glad i found it, welcome seem to of messed up with me to by adding £75 acceptance fee to total credit so letter on me way to ho, and the court for a stay...things looking brighter today thanks to cag.

 

also bout 3 yrs ago i had another loan with welcome that i think was secured on a property that was repoed, is it worth my while asking for cca on this as it was quite a substantial loan, and seeing if this was the same agreement..?? advvice appreciated

Edited by tigga_1961
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Share price is 2.43 just now.

 

See: Cattles_

 

Is this the lowest?

 

It's their lowest closing price in the last year, but not the lowest - a couple of weeks back (during their second crash) it bottomed out at 1p for a short period ;)

 

A chap i work with, who is very interested in his stocks and stuff, reckons they are dead in the water.

 

When are their results due?

fix (vb.):

1. to paper over, obscure, hide from public view;

2. to work around, in a way that produces unintended consequences that are worse than the original problem.

Usage: "Vista fixes many of the shortcomings of Windows XP".

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