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    • Hearing held today in court. I attended in person and Evri had an advocate attend on their behalf to defend their position that my contract is with Packlink and not with them. I also provided a copy of Evri's terms and conditions which explains that a contract is entered into when a parcel is sent with Evri. The judge pointed this out to the Advocate and agreed there is a contract between me and Evri under the Ts and Cs. The judge explained that while Packlink are responsible for organising the delivery of the item, it is Evri who are responsible for handling the goods and delivering them, and therefor Evri has a responsibility to handle the goods with reasonable care and skill. So am pleased to say the judge found in my favour. Hearing lasted about 75mins. Evri has been ordered to make payment within 21 days. Also nice to meet @jk2054 in person.
    • Good morning,    I just wanted to update you on the situation.    I have visits piling up with my current employment and they need doing before I finish at the end of this month.  I am moving to Wiltshire in 3 weeks for a new job helping care homes with their Dementia patients. I tried to work it out and at a guess I will be doing about 20-25,000 miles a year. So need a vehicle that can cope with that mileage, my old car would have done it easy but 🤷‍♂️ I have taken out a loan and got a friend to find me a reliable car that can cope with the miles and hasn't been written off in the past.   I phoned Adrian flux to see if I could use the last months insurance on a new car I have bought, the girl I spoke to phoned Markerstudy and asked them but they said no, my new car doesn't have any modifications.    I had an email from someone who saw one of my appeals for information, they live near the site of the accident and know a nearby farmer who has a security camera at his entrance that catches the traffic and specifically registration plates as he has been robbed before. They said they would reach out for me and see if he still has the data. Unfortunately it wont catch the scene of the crash.   The Police phoned me and said they were closing the report I made, even if they found footage of the vehicle at the time I said the actual incident would be my word vs theirs.  My first response was I am sure google maps would show that they turned around at that location which would verify my version of events, but upon reflection I do understand, I have seen people doing make up with both hands while driving, eating from a bowl steering with their knees and veering all over the place. I am sure some of these people go off the road and claim that someone forced them off.    Markerstudy phoned me yesterday to say that my car is now at Copart, the £80 tank of Vpower diesel was emptied on entry to the site for safety reasons, which I get but it sucks.  It is awaiting being assessed and shouldn't be too long, which is a relief.  I am really glad things do not seem to be going the way of the other stories and they seem to moving quickly.   However I was informed that my car was a structural write off before I bought it - this destroyed me, I was almost sick.  and this is going to affect any offer of money - after hearing the first statement this didn't affect me.   They need to wait for the assessor to check it over but it is highly likely to be written off and the maximum they can offer is £2300.  I was desperate for a car as I was working for an agency at the time, no work no pay, and did not do a vehicle check because I didn't know about them.  The seller did not tell me that it had been structurally written off, he told me that it had the front wing damaged while parked and was repaired at an approved repairer.  Markerstudy records state that it was sold at auction, no record of repair at an approved repairer.  I bought it bank transfer with hand written receipt.    It gets worse.    It turns out my airbags should of gone off. For some reason they are not working. I think we can figure out why.  If I had hit that car head on and had no airbags.    Some good news.    I can arrange a time with Copart to go and take my stereo equipment and any personal items that are left in the car only. I cant live without music and need quality sound, my speakers and amps are Hertz and JLaudio, (no I am not a boy racer with booming subs, I am an audiophile on a budget) I was really worried I wouldn't get them back so this is a huge relief for me. It is stuff I have built up over years of saving and collecting. Everything to do with the vehicle and mods I have declared need to stay to be assessed.   The accident has gone as a fault on my record, I have to remove 2 years NCB which means I still have some to declare which is good.  So it appears at this point that it may be resolved quickly, not in the way I was hoping, but not as bad as I presumed it was going to be based upon that tow truck drivers attitude and behaviour and the horror stories I read.   I am not going to buy the car back and try to make money with all the parts on it, I don't have the time or energy.   I may need an xray on my back and neck.  The whole situation has left me feeling physically sick, drained and I need it done.   The lesson learnt from this  -  My conscience is 100% clear, my attitude to safety and strong sense of personal responsibility - A rated tyres even if on credit card, brake fluid flush every year, regular checks of pads and discs, bushes etc, made avoiding what I believed to be a certain broadside collision possible.   Get a dashcam (searching now for the best I can afford at the moment)  -  Research your insurance company before you buy  -  Pay for total car check before you go and see a car and take someone with you if you are not confident in your ability to assess a vehicle.      Thank you to everyone here who volunteers their time, energy and information, it is greatly appreciated.  You helped my sister with some advice a while ago but we weren't able to follow through, she is struggling with long term health conditions and I ended up in hospital for a while with myocarditis, when I got out and remembered it was too late.  I am going to make a donation now, it is not a lot, I wish I could give more, I will try to come back when things are on a more even keel.    Take care
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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.

      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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Well We New From The Start Mr P Will Ignore You

 

Why Change A Habit Of A Life Time

 

Mind You

 

Does He Still Have A Job:D:D

 

He could end up as top suit selling geek in pri-marni:D:D

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

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Hi People

 

Any Body Know When Selling Ppi At Point Of Sale Became Illegal

 

I Know Now They Have To Wait Two Weeks After Point Of Sale Before Ramming It Down Your Throat

 

Any Body Got A Date When It Became Law

 

It Was Recent

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Hi People

 

Any Body Know When Selling Ppi At Point Of Sale Became Illegal

 

I Know Now They Have To Wait Two Weeks After Point Of Sale Before Ramming It Down Your Throat

 

Any Body Got A Date When It Became Law

 

It Was Recent

 

It was recommended that they stopped on fri 31st may (correct me if im wrong.) It will officialy take effect in October 2010 when they have to give 7 days before approaching you.

 

2010,BBC NEWS | Business | Loan insurance sales block begins

 

b -o-2

Edited by brassed-off-2
typo

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

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Be With You By Morning Bo2

 

 

Hi Post

 

have you managed to complete it?

 

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

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re gap insurance

siorry havent been on here for a while as been on holiday, was interersted in the gap insurance being paid on shortfall between car value and shortfall on finance

4 years ago i had a mondeo written off which was on finance with welcome I KNOW ONCE BITTEN SHOULOD OF BEEN TWICE SHY

ANYWAY GAP INSURANCE LEFT A 850 SHORTFALL WHICH WAS APPARENTLY CHARGES I HAD NEVER MISSED PAYMENTS BUT THEY ONLY PAID 2500 NOT THE 3250 THAT WAS LEFT ON LOAN AGREEMENT

SO PEOPLE BE CAREFUL IF U NEED TO CLAIM ON GAP TRY AND MAKE SURE WELCOME DONT CON U AS WELL ON CHARGES

 

LOUISE

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Well a mixed day..solicitor has agreed to help me tackle Welcome (Good News):D

4pm Get made redundant after nearly 6 years...(Not such good news):(

 

Glad you had a positive outcome with the solicitor, sorry about the not so good news eeeezzzyy,

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

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Well a mixed day..solicitor has agreed to help me tackle Welcome (Good News):D

4pm Get made redundant after nearly 6 years...(Not such good news):(

 

Sorry about the job :-( No one is safe nowadays are they !

Forsure

 

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

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Sorry about the job :-( No one is safe nowadays are they !

 

 

quite scary really that redundancies are on the up.... sorry to hear about your bad news though, i will keep my fingers crossed for you

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quite scary really that redundancies are on the up.... sorry to hear about your bad news though, i will keep my fingers crossed for you

 

It wasnt me that was made redundant Mojo - Id absolutely crumble if that happened to me, got 2 kiddies to feed ( with one on the way ) and a roof to put over their heads so I would be in bits if that was me. Feel sorry for anyone who is in the situation though - Welcome certainly wouldnt make them feel any better anyways :)

Forsure

 

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

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Have you scene this?

 

Welcome Finance firm suspends more directors

 

Welcome finance firm suspends more directors

 

Tuesday, March 10, 2009, 08:33

10 readers have commented on this story.

Click here to read their views.

 

CONSUMER loans firm Cattles, which runs Nottingham's Welcome Finance, suspended another three directors today as it warned the crisis over accounting errors would leave it deep in the red.

The firm will now be forced to seek waivers from lenders after admitting it may be in breach of borrowing covenants.

Cattles, which employs 1,000 people in Nottingham, said last week that a "breakdown in internal controls" had led to accounting policies on bad loans being applied incorrectly.

An ongoing review into the matter by accountancy firm Deloitte led to Cattles issuing two profit warnings in recent weeks.

Cattles said today it now expected it would incur a significant loss for 2008 and that financial statements for 2007 would also need to be restated.

1x1.GIF

 

The firm said finance director James Corr, chief operating officer Ian Cummine and Welcome's compliance and risk director Adrian Cummings had been suspended pending the outcome of a review.

Chief executive David Postings has taken direct control of the Welcome business after three executives at the division – managing director John Blake, finance director Peter Miller and operations director Mick Belcher – were suspended last week.

Cattles' annual results, which were due for release last month, have been delayed pending the review of its impairment policies.

It is the latest blow to the company, which recently conceded defeat in its long-running attempt to secure a licence for banking deposits.

 

Nobody should be surprised by this - David Postings couldn't run a bath as anybody that works for Barclays will tell you..

 

 

 

 

  • harry, The City
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  • I went for an interview there in December where they promised they were getting the banking license. Im glad I didnt go back for 2nd interview !
     

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brassed-off-2 I have sent you a private message, see you have not read it yet......

 

 

Nothing in my inbox MM, are you sure you sent it to me and not the other brassed off?

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

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Share on other sites

Hi Post

 

have you managed to complete it?

 

thanks

b-o-2:)

 

Post

any joy with the finishing touches yet?

:-) 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

hmmm, three days after a phone clash, my bf gave welcome mini branch a gobfull nack. Thet called hi a liar saying he hadn't sent a letter earlier, although considering it was the same day not sure how they could tell.

 

So we sent it by fax to them. It was a non compliance of SR asking for certain items not received with a letter of complaint asking for a few others. FSA copied in.

 

Funny, its gone quiet after their three days of non stop calls.... despite them saying they call back after reading the fax to discuss our optioons!

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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it seems a bit atrange at the moment, we requested and SAR and CCA back in march and i discussed this with them a few weeks back, but it just seems to have gone quiet on the WF front...has sit gone quiet on the whole WF front???

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Hi folks, its been a while, cannot get on much but do try and keep reading. Hope you are all well and still giving them hell.

 

After approx MONTHS of nothing from them, a threatogram from the Lewis Group, then a phone call - monkey on the phone listened to 10 mins of best of the 80's on VH1 before giving up.

 

So they wanna play do they? :cool:

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

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