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    • Thank you very much for your letter in regard to the above mentioned shipment.  Due to the high volume of parcels coursing through the courier network each day, undergoing continuous processing and handling, certain packages may experience delays or even can get lost in the course of this journey. Please note that due to the time that has passed, this shipment has been declared as lost.  I have today processed the claim and made offers to the value of £75 as a goodwill gesture without prejudice. I do acknowledge that you have mentioned in your letter that the value was higher, however, you did not take out any protection to that amount. The protection for this shipment was £20 and we will not be increasing our goodwill offer any further.    Please log into your account online in order to accept our offer. Once accepted, our accounts department will process the claim accordingly. The claim payment will be processed and received within 7 working days.                                  In addition, a refund of the carriage fee will be processed as a separate payment and will be received within 3 working days.  If I can further assist, please feel free to contact me.   I have also just noticed that yesterday afternoon they sent me an email stating that "after my request" they have refunded the cost of shipping. I did not request the refund so will mention that in my letter as well.
    • Hi I had to leave Dubai back in 2011, during the financial crisis. And only now have I received a letter from IDRWW. Is this anything to worry about about as I have 2 years left until it’s been 15 years(statute barred in Dubai). Worried as just got a mortgage 2 years ago. Could they force me in to bankruptcy? Red lots of different threads on here. And unsure what true and what isn’t. 
    • Not that TOR will see this now he's thrown in the hand grenade. Rayner has plenty of female supporters on X, for a start. As for the council and HMRC, fair enough and I thought Rayner was already in touch with them. That's where it should be dealt with, not the police force. @tobyjugg2 Daniel Finkelstein thinks the same as you about tax. The Fiver theory. How the Fiver Theory explains this election campaign ARCHIVE.PH archived 28 May 2024 17:36:51 UTC  
    • Often with the Likes of Lowells/ Overdales that 'proof' doesn't stand up to scrutiny.   Think about it like a game of poker, they want to intimidate you into folding and giving up as soon as possible, and just get you to pay up and roll over, that is their business model, make you think your cards are rubbish. What they don't expect, and their business isn't set up for it, is for a defendant to find this place and to learn that they have an amazing set of cards to play. Overdales don't have an infinite number of lawyers, paralegals etc, and the time / money to spend on expensive court cases, that they are highly likely to lose, hence how hard they will try to get you to roll over.  Even to the extent of faking documents, which they need to do because the debts that they purchased were so cheap, in the first place. Nevertheless it works in most cases, most people chicken out, when they are so close to winning, and a holding defence is like slowly showing Overdales your first card, and a marker of intention that this could get tricky for them. In fact it may be,  although by no means guaranteed that it won't even go any further than that.  Even if it does, what they send you back will almost certainly have more holes than Swiss Cheese, and if with the help you receive here, you can identify those weaknesses and get the whole thing tossed in the bin.
    • So Rayner who is don’t forget still being investigated by the local council and HMRC  is now begging to save her seat Not a WOMAN in sight in this video other than Rayner  Farage is utterly correct this country’s values are non existent in her seat   Rayner Pleads With Muslim Voters as Pressure From Galloway Grows – Guido Fawkes ORDER-ORDER.COM Guido has obtained a leaked tape from inside a meeting between Angela Rayner and Muslim voters in Ashton-under-Lyne...  
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      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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just read the agreement and t and cs,found this paragraph,you should have been given a copy of this agreement at least 7 days ago so you could consider whether you wanted to go ahead,if the creditor did not give you a copy of this agreement he can only enforce it with a court order.

 

welcome seem to be under the impression that it is eight days as the letter i have states that and i remember a conversation a while back with one of there droids, he quoted me that it is eight days, however i think it is 14 days because you also have 14 days cancellation period so i would amagine that post is correct that it is 14 days to cool off

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just phoned fos again.very helpful this time,he wouldnt commit to saying there was a cooling of period but as they have it on the agreement they have to obide by it,they have offered to deal with the compliant for me should i allow them to go ahead or do it myself

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Rach

 

If They Have It In Writing, Thats Even Better

 

 

On My Delievery, I Have A Company That Are Financial Accountants, They Deal In Mortages And Secured Loans.

 

They Confirmed To Me Its 14 Days

 

Welcome Can Shout All They Want

 

I Would Not Trust Any Thing They Have To Say But Again

 

Get It Checked Out By Cab Or Trading Standards

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what doesn't seem to be mentioned on here, and apologies if it had and I missed it, is that without a schedule of interest for any of the policies taken out, they don't exist.

 

the schedule of interest is not the standard t&c like welcome like to think it is.

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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US VERSUS DEBT

 

PLEASE ELABORATE AND TELL ME MORE

 

I KNOW A LOT OF EARLY AGREEMENTS DID NOT HAVE A COLUM FOR PPI ETC WHICH INVALIDATE THE AGREEMENT BUT he schedule of interest HAS GOT ME INTERESTED, VERY INTERESTED

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also I received a letter from welcome saying under section 80 o cca 74 to disclose where the vehicle was bearing in mind we had been in constant contact with them and was paying agreed amounts. we are disputing not the fact money is owed but that the balance is incorrect.

 

i replied to this letter in panic but am now wondering the legality of it.

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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schedule of insurance commen name, basically what the policy is, every policy must have one.

 

The schedule of insurance makes the cover of the policy legally valid

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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i called trading standards they put me onto fos again,the guy i spoke to this time was helpful and didnt seem at all surprised at the things i told him,he told me i have a very valid case against them,1st for be bullied into the loan and not compling with the tcs on the agreement,thanks again for your help postggj

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i called trading standards they put me onto fos again,the guy i spoke to this time was helpful and didnt seem at all surprised at the things i told him,he told me i have a very valid case against them,1st for be bullied into the loan and not compling with the tcs on the agreement,thanks again for your help postggj

 

 

 

BINGO:D:D:D:D

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every insurance taken out whether car, home, pet, loan, ppi, gap etc MUST have a schedule of insurance

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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schedule of insurance commen name, basically what the policy is, every policy must have one.

 

The schedule of insurance makes the cover of the policy legally valid

 

 

I SEE WHAT YOU ARE SAYING BUT KNOWING WELCOME AS I DO

 

THEY WILL SAY CONTACT DIRECT GROUP WHO ADDMIN THE POLICIES

 

DIRECT GROUP WILL SAY GO TO WELCOME

 

 

IME LOOKING INTO THIS AND MENY THANKS

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Hi rach

 

jus been trawling through the CCa 1974 and its a mine field but from what i have read, the cooling off/ cancellation period is definately 14 days if the agreement was not signed on there premises and im almost certain that it should state the period either on your pre-contract agreement or by an official document sent out on the same day as the pre-contract agreement. just resting my eyes and im going to read it again to confirm what i think.

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Mojo

 

You Have Got It

 

After You Have Signed An Agreement Or Got It It Writing By A Pre Contractual Agreement Or Acceptance Letter

 

A Finance Co Are Not Allowed To Contact You For 14 Days

As Mentioned

 

Its The Cooling Off Period

 

 

AGAIN

 

THIS IS JUST FOR SECURED LOANS

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it doesn't matter who says what.

like all insurance policies you should already have it, provided with the original signed agreement.

the sar should find it immediately.

without it the policy is null and void, then in turn making the contract as a whole null and void as welcome were thick enough to include it all on one contract.

 

got some interesting info on gap too. :D

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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Us Versus Dept

 

Pm Me If Needed Ref Gap

 

I Also Know That Welcome Failed To Do A Statement Of Means On The Early Agreements

 

In All The Sar Ive Got Caggers To Do Against Welcome, As Usual Welcome Neglected To Include It

 

 

I Wonder Why:D

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yeah thats right mojo8,my agreement was signed on thier premises but they still have to give you the cooling off period.my agreement clearly states they have to give you the agreement 7 days before you sign it,they called me on the tuesday to go in and sign it on the friday they contacted me on the following wednesday to confirm the direct debit date,so me thinks they may have a bit of explianing to do

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Rach

 

On The Agreement It Can Say 10/20/30/ Days Cooling Off Period

 

Does Not Make It Legal

 

 

The Cooling Off Period Is 14 Days

 

Period

 

 

Now How Meny Secured Loans Have Welcome Done That Are Crap Now

 

These Commission Hungry Muppetts Are Now Paying The Price

 

I Think Ill Do A Posting On Lse

 

That The Cattles Share Trading Forum

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every insurance taken out whether car, home, pet, loan, ppi, gap etc MUST have a schedule of insurance

 

 

your right, a cpolicy schedule should be given at point of sale or sent out straight after the conclusion of an agreement but if they dont, it does`nt make the agreement unenforceable

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Rach

 

On The Agreement It Can Say 10/20/30/ Days Cooling Off Period

 

Does Not Make It Legal

 

 

The Cooling Off Period Is 14 Days

 

Period

 

 

Now How Meny Secured Loans Have Welcome Done That Are Crap Now

 

These Commission Hungry Muppetts Are Now Paying The Price

 

I Think Ill Do A Posting On Lse

 

That The Cattles Share Trading Forum

 

 

go for it post as it looks like the traders are a bit worried at the moment

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Hi Everyone

 

My not been on here in a while ( been having pregnancy trouble ! :mad: ), but am glad things have moved along.....

 

Can someone do me huge favour and have a quick look at my new thread and please offer some advice ?

 

http://www.consumeractiongroup.co.uk/forum/payment-protection-insurance-ppi/201391-capital-one-ppi-need.html

 

Im sorry for hijacking this thread, but I know how helpful everyone on here is, and so I would be very grateful

 

Thanks x :D

Forsure

 

** One woman crusade against the rip off lenders ! **

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yeah thats right mojo8,my agreement was signed on thier premises but they still have to give you the cooling off period.my agreement clearly states they have to give you the agreement 7 days before you sign it,they called me on the tuesday to go in and sign it on the friday they contacted me on the following wednesday to confirm the direct debit date,so me thinks they may have a bit of explianing to do

 

 

to be honest, it sounds to me that you have an improperly executed agreement and i would wipe the floor with them.

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