Jump to content


  • Tweets

  • Posts

    • It seems the solicitor has got your case listed for this “appeal” but not for the Stat Dec(SD). You need to ensure you can perform your SD on the day. If you are able to make your SD in court, the situation you are in now is more straightforward than if you made your SD via a solicitor. You have been convicted of two offences (and two were dropped) via proceedings of which you were not aware. The way to remedy that is to perform an SD. No appeal is necessary (nor is it available via the magistrates’ court). If you are able to make your SD this is how I see it panning out: You will make your SD to the court. The court must allow you to make it as it will have been made within 21 days of you discovering your convictions. You will then be asked to enter pleas to the four charges again. At this point you should plead not guilty to all four but make the court aware that you will plead guilty to the speeding charges on the condition that the FtP charges are dropped. The prosecutor will be asked whether or not this is agreed. In my opinion the overwhelming likelihood is that it will be. If it is you will be sentenced for the two speeding offences under the normal guidelines. In the unlikely event it is not accepted,  the speeding charges will be withdrawn (they have no evidence you were driving). You have no viable defence to the FtP charges and so should plead guilty. This will mean 12 points and a “totting up” ban (as you have already suffered). You can present an “Exceptional Hardship” argument to try to avoid this (explained below).   Because of this, I don’t see any need to make an argument to ask to have any ban suspended (pending an appeal to the Crown Court) unless and until you are banned again. The only reason I can think the solicitor suggested this is to secure a (Magistrates')  court date. I was surprised when you said you had an appointment so quickly; a date for an SD usually takes longer than that. However, if you can use it to your advantage, all well and good. I can’t comment on the argument that the two speeding offences were committed “on the same occasion” as I don’t have the details. That phrase is not defined anywhere and is a matter for the court to decide. It’s an interesting thought (and only that) that such an argument could equally be made for the two FtP offences. If the requests for driver’s details arrived at your old address at the same time, with the same deadline for reply, it could be argued that you failed to respond to hem both “on the same occasion” (i.e when the 28 days to respond expired) and so should only receive penalty points for one. Hopefully you won’t need to go there. I think you have information about avoiding a “totting up” ban. But here’s the magistrates’ latest guidance on "Exceptional Hardship" (EH) which they refer to: When considering whether there are grounds to reduce or avoid a totting up disqualification the court should have regard to the following: It is for the offender to prove to the civil standard of proof that such grounds exist. Other than very exceptionally, this will require evidence from the offender, and where such evidence is given, it must be sworn. Where it is asserted that hardship would be caused, the court must be satisfied that it is not merely inconvenience, or hardship, but exceptional hardship for which the court must have evidence; Almost every disqualification entails hardship for the person disqualified and their immediate family. This is part of the deterrent objective of the provisions combined with the preventative effect of the order not to drive. If a motorist continues to offend after becoming aware of the risk to their licence of further penalty points, the court can take this circumstance into account. Courts should be cautious before accepting assertions of exceptional hardship without evidence that alternatives (including alternative means of transport) for avoiding exceptional hardship are not viable; Loss of employment will be an inevitable consequence of a driving ban for many people. Evidence that loss of employment would follow from disqualification is not in itself sufficient to demonstrate exceptional hardship; whether or not it does will depend on the circumstances of the offender and the consequences of that loss of employment on the offender and/or others. I must say, I still do not understand what the solicitor means by “As a safeguard we have lodged the appeal and applied to suspend your ban pending appeal due to the time limit for being able to automatically appeal without getting leave of the Judge.” When they speak of “leave of the judge” I assume they mean they have lodged an appeal with the Crown Court. I don’t know what for or why they would do this. It seems to follow on from their explanation of the “totting up” ban. If so, I’m surprised that the Crown Court has accepted an appeal against something that has not yet happened. But as I said, i is no clear to me. Only you can decide whether to employ your solicitor to represent you in court. If it was me I would not because there is nothing he can say that you cannot say yourself. However, I am fairly knowledgeable of the process and confident I can deal with it. That said, I do have a feeling that the solicitor is somewhat “over egging the pudding” by introducing such things as appeals to the Crown Court which, in all honesty, you can deal with if they are required. I can only say that the process you will attempt to employ is by no means unusual and all court users will be familiar with it. I can also say that I have only ever heard of one instance where it was refused. In summary, it is my view that it is very unlikely that your offer to do the deal will be refused. If it is accepted, you may be able to persuade he court that the two speeding offences occurred "on the same occasion" and so should only receive one lot of points. Let me know the details (timings, places, etc) and I'll give you my opinion. Just in case your offer is refused, you should have your EH argument ready. Whether it's worth paying what will amount to many hundreds of pounds to pay someone to see this through is your call.  Let me know if I can help further.    
    • This must be part of the new tactic from Evri.  They know they are going to lose. They take it to the wire and then don't bother to turn up in order to save themselves costs and of course they don't give a damn about the cost to the British taxpayer and the extra court delays they cause. This is a nasty dishonest company – but rather in line with all of the parcel delivery industry which knows that their insurance requirements are unlawful. They know that their prohibited items are for the most part unfair terms. They know for the most part that a "safe place" is exactly what it means – are not left on somebody's doorstep in full view. They know that obtaining a signature means that they have to show the signature not simply claim that they received a signature. They are making huge profits especially from their unlawful and unenforceable insurance requirement. Although this is less valuable than the PPI scandal, in terms of the number of people who are affected nationwide, PPI pales into insignificance. I hope the paralegals working for Evri are proud of themselves and they tell their families what they have done during the day when they go home.
    • Your PCN does not comply with the Protection of freedoms Act 2012 Schedule 4 Section 9[2][a] (a)specify the vehicle, the relevant land on which it was parked and the period of parking to which the notice relates; The only time on the PCN is 17.14. That is only  a time for there to be a period there would have to be a start and and end time mentioned. of course they do show the ANPR arrival and departures  times but that is not the parking period and their times are on the photographs not on the PCN. They also failed to comply with S.9[2][f] as they omitted to say that they could only pursue the keeper if they complied with the Act. That means that they can only pursue the driver as the keeper cannot be held liable for the charge. As they do not know who was driving and Courts do not accept that the driver and the keeper are the same person they will struggle to win. Especially as so many people are able to legally drive your car and you haven't appealed giving them no indication therefore of who was driving. Small nitpicking point-the date of Infringement was 22/04/2024. They appear to be saying that they can charge an extra amount [up to £70 ] if they have to use a debt collector. You do not have a contract with a debt collector so they cannot add that cost. You paid for four hours so it can only be the 15 minutes they are complaining about. You are entitled to a ten minute minimum grace period at the end of the parking period which would be easier to explain if the car park had been bigger. However if you allow for two minutes to park and two minutes to leave that gives you one minute to account for. Things like being held on the way out by cars in front waiting to get on to Northgate or even your own car being held up trying to get on to Northgate at a busy time. then other considerations like having to stop to allow pedestrians to walk in front of you or being held up by another car doing a u turn in front of your car. you would have to check with the driver and see if they could account for an extra one minute things like a disabled passenger or having to strap in a child . I am not advocating lying since that could lead to serious problems [like jail time] but there can be an awful lot of minor things that can cause a hold up of a minute even the engine not starting straight away or another car being badly parked as examples. Sadly you cannot include the 5 minute Consideration period as both IPC and BPA fail to comply with the convention that you can include that time with the Grace period.  
    • Defence struck out not case struck out...you have judgment  Well done topic title updated Regard's Please consider making a donation if not already to support us to help others.   Andy.   .
  • Recommended Topics

  • Our picks

    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 161 replies
    • 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.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      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
        • Like
  • Recommended Topics

Welcome Finance - This company needs to be banned.


tightbum
style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 4595 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

Evening everyone.

 

This is the thread for our current welcome debacle

http://www.consumeractiongroup.co.uk/forum/mortgages-secured-loans/187541-welcome-finance-response-cca.html

Over the years we have had a loan and then refinanced it a couple of times with welcome.

Based on what i've been reading on here, can you confirm the following is the best course of action.

1. SAR Welcome - Branch or Head Office?

Await response, and post some info on my thread.

Then

2. SAR PPI provider and arranger (DG & NU).

 

We've already sent an account in dispute letter to welcome anyway, 'cos they haven't replied to the cca request we sent them. So just playing the waiting game.

 

Looking forward to the big announcement.

 

Any further comments or suggestions greatly appreciated.

 

Cheers

 

 

1) SAR head office - the branch workers can't spell SAR - the address - Welcome Finance, Cattles PLC, Mere Way, Ruddington Fields Business Park, Nottingham

 

2) yes and no - SAR to DG - email via contact us to NU - they will give it you without the need to spend £10. Give them you policy number if you have one, name, address (the one welcome would have had) and DOB - ask them for a list of any policies they hold and underwrite for you.

Link to post
Share on other sites

  • Replies 9.6k
  • Created
  • Last Reply

Top Posters In This Topic

Top Posters In This Topic

Posted Images

I couldnt agree more!

 

The PM's are basically isolating other members trying to get the help needed.

 

New members maybe feel a bit uneasy sending a PM to someone they dont even know. I personally gained most of my information by reading threads and looking at what others posted up. I think us regulars should promote those needing help to upload as much info for everyone to comment and help and most important, learn.

 

Photobucket is there to be freely used and empowers everyone to share issues covering greater ground. The PM's are also snowing under the well informed few.

 

The few people who are privvy to the "deeper" issues with regard to Welcome should be kept confidential, as this is an ongoing legal issue, and does not involve individual contracts. Thanks to the people involved for the greater good, you know who you all are, Welldone. You have big brass ones and credit will definatly come your way soon as it should!

 

This thread has turned into a massive beast and has the support of Site admin and greater support. Lets keep it open and make as many "WELCOME" as possible.

 

Just my thoughts.

 

Stewie!:-D

 

 

I think i'm the one getting the majority of the PM's with agreements on at the moment so will put my 2 pence worth in - I do not mind viewing agreements by PM as I realise there are some people that 1. Don't want a whole heap of others to see their financial info and 2. As i have just seen via 1 PM - there could be some illegal cut and paste activity going on at Welcome (why am i not surprised) and the supplier didn't want it out in public for 'guests' to see what they have.

 

Everyone is here to help - so if you don't have those issues post in thread if you do I don't mind looking - and everyone that has PM'd has asked in thread first for me to agree.

Link to post
Share on other sites

Stewie / Sol

 

It has never been my intention to isolate OR alienate anyone !

 

I am only too willing to share my information for the good of the people on here, i just felt that i needed a little clarification from someone that i felt could help me with the situation that i may have, bearing in mind they have seen numerous different versions of these documents within their own investigations...

 

Bearing in mind that Welcome may be trawling this site, and that having recently provided this information to me, but still have until 30/03/09 to fully comply to the reminder letter i sent to them on Thursday to supply TRUE copies. I only have what seems to be a photocopy of my agreement, and feel that there may in someway have been human intervention with this document, this photocopy is also missing a very important piece of information.

 

On that note i feel that keeping it out of public forum is the best option to me at the moment. Yes i too have followed this thread and others, to learn as much as i possibly can, and help others where i possibly can with my limited knowledge.

 

My familys home is at threat through these and another SUB PRIME company, having been duped by these people , with no morals for the past 5 years, then i feel i am acting in the best interest of my Family by not posting up.

When the 30/03/09 has passed and i still have no TRUE copy i will then post up for the good of all others on this site.

 

Thankyou for your support

B-O-2

ANYBODY WHO NEEDS INFO ON YOUR LEHMANS MORTGAGE

either SPML/PML/LMC/SPPL; the following are DIRECT tel#s,

of the investigating & prosecuting organisations: DONOT say you are from CAG-only directly affected or a concerned citizen.

 

1. Companies House: Kevin Hughes(Compliance Manager-main) @ 02920 380 633

2. CH : Lee Jenkins(prosecuting Amany Attia(MD) for SPML/PML) @ 02920 380 643

3. CH : Mark Youde(accounts compliance) @ 02920 380 955

 

4. Companies Investigation Branch(CIB) : Charlotte Allan @ 0207 596 6108

(part of the Insolvency Service) investigating all the Lehman lenders

 

5. CIB : Jeremy Pilcher('unofficial'-consumer/company lawyer) : @ 0207 637 6231

__________________

File YOUR 'Companies Investigation Branch'- CIB complaint online NOW!!!!

 

http://www.insolvency.gov.uk/complaintformcib.htm

Link to post
Share on other sites

hi all the comments made are to true

 

please use your own thread and dont be afraid to post your agreements.

any problems and you will quickly be told.

 

this biz on the pm.

 

please keep every thing in the open.

ime talking to the newer members on this one.

 

some of us seasoned welcome fighters know what to keep hush hush,

there is going to be a big legal case and we have to watch what we post or that info cant be used in court.

 

this thread has been going on for a long time. we have gathered bits of info and has now made the picture.

 

it would be a pitty to blow it on one small slip.

 

welcome are now history

 

cattles are just about gone

Link to post
Share on other sites

Postggj - my point about the PM's of agreements I have been getting are - as long as people ask first and have a vaild reason I don't mind them being PM'd - I think i've just been PM'd a blatant chop shop cut and paste job and obviously all of us wouldn't want that out in the open for all our 'guests' to see.

 

I think there are exceptions to the all out in the open rule.

Link to post
Share on other sites

things have to be kept on the qt so our hand is not tipped,

totally agree

ime talking again on this one to the regular welcome fighters.

all respect to the new members, we know nothing about you. we have welcome spys come on to the forum asking for advice. we spot them quite quickly.

 

this saga realy is a war and info is top dog

 

over time people will start to trust but respect has to be earned

 

andie

 

can you pm me the agreement for my opinion

 

i have contact numbers for fraud squad, oft tc

they asked if any new relevent info came my way to email it accross

Link to post
Share on other sites

the only way cattles is going to be saved is if they can come up with funding of 1.5 billion pounds.

where is that money comming from

they have breached there banking covenant

deceived share holders

 

and on top of that

who would lend any way in todays economic climate,

not to mention the fraud cases at the moment

Link to post
Share on other sites

let the party begin

 

its sell, sell, sell at the moment

 

Barchart.com - Opinion - CTT.LS CATTLES LSE

 

The 100 day forcast is the worst!!! 100% SELL!!! So they not even saying it could recover.

 

They are dead in the water. Shorters will jump in on Monday and finish this off for sure! Day traders wont even touch this now.

 

Stewie

I need to change my avatar..But cant find a good replacement.

Link to post
Share on other sites

Postggj, i appreciate that you are limited wrt what you can say about your meeting, but can you confirm one thing for me?

 

Does the 'problem' concern just PPI, or is shortfall insurance included in this too? IIRC, my better half's shortfall insurance details were sent by Direct Group.

 

PM me if need be :)

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".

Link to post
Share on other sites

what i can tell you is this

if you had any insurance on your agreement and direct group delt with it and the so called underwriters were norwich union, (hint)

 

you can tear up the agreement

 

all will be explained after iive been told its ok

Link to post
Share on other sites

what i can tell you is this

if you had any insurance on your agreement and direct group delt with it and the so called underwriters were norwich union, (hint)

 

you can tear up the agreement

 

all will be explained after iive been told its ok

 

POST, shhhhhhhhhhhhh dont give it all away.

 

I want Welcome to suffer like they made us suffer and they are watching.

I need to change my avatar..But cant find a good replacement.

Link to post
Share on other sites

Hi all, this thread is moving so fast now!

 

Apologies for the absence, life has kind of just exploded...will be able to catch up properly tonight.

 

POstjjg, how you can bite your tngue this long is beyond me lol, its killing me!

 

Ba back to catch up, keep fighting :D

Dipply75

 

I am in no way a legal advisor and only speak from my own experiences and the helpful advice of those in the same boat! :p

Link to post
Share on other sites

Hi all, this thread is moving so fast now!

 

Apologies for the absence, life has kind of just exploded...will be able to catch up properly tonight.

 

POstjjg, how you can bite your tngue this long is beyond me lol, its killing me!

 

Ba back to catch up, keep fighting :D

 

Mornin Dipply,

 

How is the claim against the charges coming along -grin!!

 

I cant believe the other poster being hit nearly 3K in charges!!! Welcome gone mad!

 

Good to see you, Im out to enjoy a little bit of sun.:D

 

Ill catch up on the thread tonight.

Stewie

I need to change my avatar..But cant find a good replacement.

Link to post
Share on other sites

things have to be kept on the qt so our hand is not tipped,

totally agree

ime talking again on this one to the regular welcome fighters.

all respect to the new members, we know nothing about you. we have welcome spys come on to the forum asking for advice. we spot them quite quickly.

 

this saga realy is a war and info is top dog

 

over time people will start to trust but respect has to be earned

 

andie

 

can you pm me the agreement for my opinion

 

i have contact numbers for fraud squad, oft tc

they asked if any new relevent info came my way to email it accross

 

Just to put your mind at ease, I've mentioned nothing to no-one about what I know - anything in PM is purely looking at the enforcability of agreements and usually the calculations and interest etc - not going any further than that.

 

And i'' just check with the OP that sent it and forward it on with my thinkings

Link to post
Share on other sites

The suspense of Welcomes (hopefull) demise and the way this thread is snowballing.....is "UNBEARABLE"..lmao !!!!

 

I shall be contacting Welscum just to see if they have started to act on my SAR tomorrow and also after spending an hour trawling through my paperwork today.....NORWICH UNION....Thank you very much Postggj and Andie 303...You guys deserve knighthoods !!!!

 

Likewise Andie my may06 PPI details the Direct Group and NORWICH UNION....Oh dear....me thinks a phone call is in order tomorrow....or several phone calls, seriously not happy now if ive been mugged over by Welcome !!!

Link to post
Share on other sites

I think i'm the one getting the majority of the PM's with agreements on at the moment so will put my 2 pence worth in - I do not mind viewing agreements by PM as I realise there are some people that 1. Don't want a whole heap of others to see their financial info and 2. As i have just seen via 1 PM - there could be some illegal cut and paste activity going on at Welcome (why am i not surprised) and the supplier didn't want it out in public for 'guests' to see what they have.

 

Everyone is here to help - so if you don't have those issues post in thread if you do I don't mind looking - and everyone that has PM'd has asked in thread first for me to agree.

 

Hi andie

 

The PM issue isn't just about the people receiving them, it's about the fact others are getting help and may be getting different replies according to what information they have available.

 

If people erase their private information, there's no reason why agreements etc. can't be posted if they need help.

 

The forum rules advise that people who want to PM should ask permission before doing so as this is an open forum for everyone.

 

I hope I don't sound harsh, but already people are confused, myself included, as one person's getting told one thing and someone else is getting told another.

Link to post
Share on other sites

 

The problem is Sol, the information cannot be erased, because this is my problem area !!! hope you understand what i mean by this .

 

Thanks

b-o-2

ANYBODY WHO NEEDS INFO ON YOUR LEHMANS MORTGAGE

either SPML/PML/LMC/SPPL; the following are DIRECT tel#s,

of the investigating & prosecuting organisations: DONOT say you are from CAG-only directly affected or a concerned citizen.

 

1. Companies House: Kevin Hughes(Compliance Manager-main) @ 02920 380 633

2. CH : Lee Jenkins(prosecuting Amany Attia(MD) for SPML/PML) @ 02920 380 643

3. CH : Mark Youde(accounts compliance) @ 02920 380 955

 

4. Companies Investigation Branch(CIB) : Charlotte Allan @ 0207 596 6108

(part of the Insolvency Service) investigating all the Lehman lenders

 

5. CIB : Jeremy Pilcher('unofficial'-consumer/company lawyer) : @ 0207 637 6231

__________________

File YOUR 'Companies Investigation Branch'- CIB complaint online NOW!!!!

 

http://www.insolvency.gov.uk/complaintformcib.htm

Link to post
Share on other sites

style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 4595 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Guest
This topic is now closed to further replies.
  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...