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    • Hey,  I've messaged my husband but he is not contactable while he is in work. As soon as he is on his way home I will find out which finance company we used. I'm so sorry, I just don't know.
    • Okay, I have read your claim form. A pity you didn't come to us earlier. You haven't pleaded any legal basis for your claim and you haven't cited the Contracts (Rights of Third Parties Act. How long have you been aware of this forum? We will have to bring that out later when you do your witness statement. Once again, do the reading very carefully. I suggest that you wait until Monday before coming back here and confirming that you have read everything. And in particular, as I have indicated, read the thread which I posted above very carefully and in particular we the details of the contractual terms which were discovered and get a copy for yourself. Post a link to them in this thread as well for other people to see. They are relying on the fact that you don't have a direct contract with them and they are referring to a contractual term which is apparently in the contract between them and Packlink which specifically excludes third parties. You will definitely want to see this. They have tried to rely on this before but they have never produced the contract. In your witness statement you will have to request that they produced the contract in court. In terms of the mediation, frankly we would have advised you to decline mediation. It's all done secretively. Nothing is ever revealed and of course they will try to get you to compromise on the amount of money you are claiming. We would strenuously suggest that you don't give up a single penny. Do the reading that I have suggested, find the details of the contract which I have told you about which accepts direct liability to you, the customer – and post it here.
    • If there is no reply to the "nasty" mail in 48 hours, then please come back here and we can assess what to do.
    • In particular, read this thread carefully. it is a very long thread but be patient with it. Eventually you will come to the witness statement and also had a point where it was discovered that Packlink's terms and conditions make it clear that Evri have a direct responsibility to the claimant and the judge awarded full judgement to the claimant on that basis. We have applied for the transcript but it will probably take six weeks or so. If you're mediation fails and you go to trial then I'm sure that the transcript will be available for you. It puts an end to the claim by Evri that you should claim against Packlink and it puts an end to any need to rely on the Contracts (Rights of Third Parties) Act 1999
    • My old dog Amy used to do that  
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    • If you are buying a used car – you need to read this survival guide.
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    • 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
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Welcome Finance - This company needs to be banned.


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Hi again,

 

Just looked at this re Debt Relief Order.

 

Alternatives to bankruptcy

 

My only concern was my car but as it's valued under £1000, it's definitely "Goodbye Welcome".

 

If they had played straight with me then I probably would have continued paying them a small amount each month.

 

Now they will get nothing and my other creditors will suffer too due to this awful company's actions.

 

Still at least in 6 year's time, I will have a clean credit file once again.

 

 

Hi again everyone,

 

Just called CCCS and even if I do go for a DMP, a creditor can still refuse to freeze all interest and other charges.

 

As Welcome refuse to answer any of my letters in relation to this but my other creditors have agreed in writing then I will probably go for a DRO and then as far as I am concerned it's Bye Bye Welcome.

 

I did not trust Welcome's employees saying to me over the phone that they would freeze the interest and other charges if I went on a DMP ( Debt Management Plan ).

 

See:Debt Relief Order - Wikipedia, the free encyclopedia

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to change the date of the trial or the court, you need to contact the court direct, they will help and advise

 

the n244 is just a standard doc that gets put in front of the judge

 

hearing time is 30 min

 

the information relying on will be the letter above, just staple it to the n244, like i did

 

thats all realy, court staff are very good, it will get put before a judge to decide on the sols continued reluctance to give the required info and to consider a strike out for non compliance.

 

send a copy by recorded delievery to welcome sols

 

 

hear to help pru

 

any time

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Like post said don't worry about the share price going up. There is a reason for it but it is not based on any new news.

 

Anyway almost 4 weeks and no cca. They still have another 12 days for the sar to arrive. Who knows it may actually arrive within the timeframe!!!!!!!

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Just sent this to the FOS -

 

Dear Sir/Madam

 

Thank you for your letter dated 19th April 2009, received today 22nd April 2009.

 

I note your letter states I can contact you with any further information regarding my case to date.

 

I was sent a letter from a Mrs Olena Gray on 1st April 2009 stating that they cannot place my account on hold as it will eventually incur arrears and may result in adverse information being recorded on my credit file; this is a direct quote. I have since had a letter from a Mr Christopher Palmer from their Legal department and, upon asking him to clarify whether or not they will place my account on hold whilst it is with the Financial Ombudsman, he completely ignored my question and simply sent his first letter again, which has somewhat angered me.

 

It seems to me that Welcome Finance are simply using the credit reference agencies and the fact they will continue to charge interest and other charges as a tool to make me consider giving up my complaint and I am appalled that a company should be allowed to do this. Surely there must be some guidance as to whether a company is meant to freeze an account whilst it is in genuine dispute, especially with the FOS.

 

I understand you are inundated with complaints at the moment, I will therefore update you if I receive anymore hostile correspondence from Welcome Finance in the meantime.

 

Yours faithfully

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As it stands I still don't know if they've frozen the account or not.

 

I do not know either Sol - but in their attempt to be funny buggers in response to one of my letters they sent me a statement produced after March's payment went out. Therefore I know exactly how much I owed when I put my account into dispute - if they try and add on I'm gonna file a new case in court straight away.

 

I'll taken them to court everytime before they can even think about negatively marking my credit file - I've been cleaning it up for 2 years and I refuse to let Welcome damage it

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Don't you just love it though when Welcome "play" dumb - I say play as lets be honest I'm really not sure they are playing!!!

 

I sent them a letter asking for and I quote...

 

"a concise breakdown of what happened to my inurance premiums. Including who was paid, the amounts paid and any commisions paid or recieved on these"

 

Their reply - please can you clarify what you are asking for?

 

Are they having a fu**ing laugh???

 

They then write are you asking for a copy of agreements under s.7?

 

No mate I'm not I asked for that 7 months ago and got sod all so why the hell would I be asking again now???

 

They take the p**s I swear.

 

My response I think is gonna break it down to them like they are 5 years old complete with pictures!

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hi, does anyone have a template I can use to send to welcome regarding a Subject Access Request I sent.

 

I have had a response with very few documents sent to me and I know for a fact that documents are missing!

Direct Auto Finance & DLC dispute ongoing.

Offer with confidentually agreement from DLC / DAF DECLINED :D

Please PM me if you have any cheap rate or 0800 number for DCA's to add to my list and also to my website

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we dont seem to have had the severest of collecting phone calls from them yet, i wonder if the remaining employees are so dissillusioned and un-motivated that they cannot or even will not work using the standard uncompliant methods. I hope that they are all so depressed and worried that they cannot concentrate on doing there jobs. I would just love to be a fly on the wall of one of ther offices.

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on LSE

 

Suspension:)

Today 10:31

 

 

 

RNS Number : 0387R

 

Official List

 

23 April 2009

 

NOTICE OF TEMPORARY SUSPENSION OF LISTING FROM THE OFFICIAL LIST

 

23/04/2009 10:30 AM

 

TEMPORARY SUSPENSION

 

CATTLES PLC

 

The Financial Services Authority ('the FSA') temporarily suspends the securities set out below from the Official List effective from 23/04/2009 10:30 AM at the request of the company pending notification of its annual financial report for the financial period ended 31 December 2008:

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Here most days to catch up with whats going on but have not posted much.

 

Welcome have returned my cheque and are requesting cleared funds or debit card only????? If they had banked the cheque it would be cleared by now.

 

A friend of mine has £800 left to pay off her car, they have rang and told her they will settle for £300???

 

Told her to get it in writing before she hands over any money.

 

Cattles have temporarily stopped trading on the stock market too!!!!!

 

CATTLES News CTT CTT.L - Interactive Investor

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