Jump to content


  • Tweets

  • Posts

    • Unsure what would be classed as appeal I first contacted the applicant then IAS. I am not aware I could appeal again as Bank state I was informed that is news to me. I would have to look through the paper work, I apologise I forget so much due to my caring duties wish I had quality time to get so much done. Will try and look tomorrow, appreciate everyone's time and input.
    • Hi, I've been reading the invaluable advice on this forum and reading about the problems with Evri and lost delivery of items.  From what I gather the initial steps after having exhausted every's own lost item claim process is to draft a Letter of Claim, I think it is called and to register with the government Money Claims.  I have got a login for Money Claims and have made an initial stab at the letter but I'm not certain I have got it right. Am I right to assume that having exhausted Evri customer service's claims process and having received the denial of any compensation because the laptop I was sending is on the non-compensatory list that my next step would be to send the Letter of Claim to them? Let me provide some basic details which I hopefully have addressed in the letter. I purchased a laptop through Amazon.co.uk which a business in Belfast sold refurbished laptops through.  They had a 30 day money back guarantee for a full refund if you have any issues with the laptop.  I have the invoice from Amazon showing the purchase.  On 27 April, 2024 before the end of the 30 day period I used their ParcelShop (inside a Tesco) to send the laptop back and have the tracking reference mentioned in the letter.  As mentioned in the letter there was they advised they could not give me or sell me any insurance because laptops are on the non-compensatory list so I just paid the normal delivery cost.  It was scanned as leaving the ParcelShop on 29 April and the tracking has been like that ever since.  After a 28 working day Evri claim process they gave the expected response that they could not provide any compensation and simply could not proceed with my claim. I was hoping to get some advice on whether I go ahead now and email this to Customer Services straightaway and should I send a hard-copy to the Evri address as well?  Or are there any steps I have missed out on first?  I believe 14 days is the reasonable period of time for them to respond so if I were to send it tomorrow, for example 12 June then I should expect a reply by 26 June, is that correct and fair?  And assuming they don't reply with a full refund then I would then go down the government Money Claims site to proceed with that? Sorry for all the questions, I want to make sure I go about it properly.  I'll continue to read through other cases on here so I can get an even better handle on the process. I attached a LOC, happy for any edits or updates that will make it even better. Thanks so much for anyone's help! Regards, Matt Evri letter of claim.docx
    • The date was 3 June. Get on MCOL now. The legal principle is that, even if you defence is late, if the other party hasn't requested judgement, then your defence takes priority and is accepted. You might be in time. When I say now I mean now.  Recently we had someone who was nine days' late and this was pointed out to them at 5:30pm.  They faffed around till 11pm.  When they went on MCOl they saw that judgement had been entered at 7pm. Every minute is vital. File the below standard defence if you still can - 1.  The Defendant is the recorded keeper of [motor vehicle]. 2.  It is denied that the Defendant entered into a contract with the Claimant. 3.  As held by the Upper Tax Tribunal in Vehicle Control Services Limited v HMRC [2012] UKUT 129 (TCC), any contract requires offer and acceptance.  The Claimant was simply contracted by the landowner to provide car-park management services and is not capable of entering into a contract with the Defendant on its own account, as the car park is owned by and the terms of entry set by the landowner.  Accordingly, it is denied that the Claimant has authority to bring this claim.    4.  In any case it is denied that the Defendant broke the terms of a contract with the Claimant. 5.  The Claimant is attempting double recovery by adding an additional sum not included in the original offer.  6.  The Particulars of Claim is denied in its entirety.  It is denied that the Claimant is entitled to the relief claimed or any relief at all.
    • Hi friends,  I’m a bit worried I may have got confused with timings here. I thought I had 33 days from my acknowledgment to submit a defence but the date added above says 3/6/24.   have I missed the date?   if so how can I apply for an exception due to my disability and problems with deadlines and dates etc (ADHD)?   what should I submit as a defence?   I’ve had no reply from BW so far    just been back on MCOL and it says 28 days from service if I completed an acknowledgment of service so does that mean 28 days from that of acknowledgement (I.e. 16/5) which would make deadline for defence 14/6?   Thanks! Panicking here.
    • Normally we don't advise playing your cards early in a snotty letter, but as you have appealed we might as well use what you wrote in the appeal against them. There is no rush, you have until 6 July to get it to them.  See what the other regulars think too. How about something like this? -   Dear Rachael & Sean, cheers for your Letter of Claim.  I rolled around on the floor in laughter at the idea you'd actually thought I'd take such tripe seriously and would cough up! As usual you'll have been too bone idle to do any due diligence.  Had you done so you would have seen that I appealed to your client.  Indeed the driver on the day is a textbook example of having done exactly what you should do when you do not wish to be bound by the T&Cs in a private car park. Of course none of that mattered to the spivs you represent but do you really want to put such a useless case in front of a judge? To be fair, your clients are very useful members of the human race - as comedians.  How I loved the page turner of their antics at The Citrus Building in Bournemouth.  It was chuckle after chuckle reading about them, letter after letter, month after month, insisting they were legally in the right, even through someone who had done just the first day of a GCSE law course could have told them they weren't.  Until the denouement - BOOM - an absolute hammering in court.  In fact - SLAM, BANG - managing to lose twice against the same motorist for the same car park in front of two different judges. Your client can either drop their foolishness now or get yet another tolchocking* in court where I will go for an unreasonable costs order under CPR 27.14(2)(g) and spend the dosh on a nice summer holiday, while every day laughing at your clients' expense. I look forward to your deafening silence. COPIED TO COUNTRYWIDE PARKING MANAGEMENT LTD   *  This word is used under licence from Brassnecked
  • 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 4599 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

Brassed Off 2 I have sent you two messages.. if they dont come through let me know.

 

Finally they settled our claim for misselling of PPI the new credit agreement arrived today.

 

I drafted the particulars of claim last night and was ready to put my claim in the small claims court next week . I am 100% confident.

 

I want to attach a final letter that I had received from them but was unable to do so...

 

If you would like me to send you a copy of their final letter let me have your email address.

 

I would like to stress this company really knows how to wind you up..

 

My legal research has paid off again...... I have helped many people win their cases. I have been researching different aspects of law for many years. I had a bad experience with a few solicitors who did not know what they were doing and wanted large sums of money for doing practically nothing, hence I decided to do it myself. I,m not knocking them and there are some good ones... somewhere?:)

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

Brassed Off 2 I have sent you two messages.. if they dont come through let me know.

 

Finally they settled our claim for misselling of PPI the new credit agreement arrived today.

 

I drafted the particulars of claim last night and was ready to put my claim in the small claims court next week . I am 100% confident.

 

I want to attach a final letter that I had received from them but was unable to do so...

 

I would like to stress this company really knows how to wind you up..

 

MM, got your pm's ok, thanks.

 

Congrats on your PPI,

 

Can you post up a couple of interesting pararaphs from your letter? OR pm me if you want to....

 

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,

 

Been away for a few days and when I arrived back, some monkey had left a message asking me to call them.

 

His number was 0208 643 6480. ( Sutton and Belmont area )

 

So I rang them and it was their Collections Dept - NDU or something.

 

Some jerk answered and I said " What company are you " and he said, " NDU " or something.

 

I said " What company is this " and he said " Who are you ".

 

I said, " I am not telling you until you tell me ".

 

Stand Off .....:lol:

 

Of course, I recognised their number anyway and said " By any chance are you part of Welcome Finance " and he said, " Yes ".

 

I said, " Oh yes, you are the company that's going BUST " and hung up.

 

Voda chuckles.

 

I HATE THIS COMPANY WITH A VENGEANCE THAT NEVER HAS THE COURTESY TO ANSWER MY LETTERS SO UNTIL THEY DO, THEN I WILL NEVER SPEAK TO THE COWBOYS.

Edited by Voda
Link to post
Share on other sites

Hi Postie,

 

That's the number I called yesterday.

 

Yep, Sutton is in South West London.

 

Take care

 

Voda

 

Hi Voda

 

Is That Number Correct

 

I Get A Hair Dresser In Sutton

I Believe Sw London

Link to post
Share on other sites

The office seems tobe accesible by ringing a bell, local intelligence tells me that it is just a paperwork place, they don't do loan signing there and they only seem to have a skeleton staff there. I can have a scout down there on Tuesday when I am that end of the High Street (I live up the top end of Sutton).

 

They may be using it as a litigation office, then they can use Croydon or Wimbledon County Courts instead of Northampton for larger claims. Not too sure how I can find that out without ringing their doorbell myself. I already have a 'Fuzzybobble' scenario in my head whilst typing this out.....

Link to post
Share on other sites

This extract was posted in local paper Telegraph-Argos recently ------

 

Troubled consumer finance group Cattles has issued an update on its financial performance in the three months to March 31.2009

 

The Birstall group, headed by chief executive David Postings, employs 300 staff in Cleckheaton.

 

It confirmed that some parts of the business continued to trade but at a lower level.

 

Discussions with its bankers, bondholders and holders of its US Private Placement Notes have continued to try to stabilise the firm’s financial position.

 

The Lewis Group, one of the leading players in the UK purchased-debt market, increased collections by 5.6 per cent to £23 million.

 

Receivables were 2.5 per cent higher at £179.8 million but like-for-like debt purchases fell from £16 million to £13.5 million.

 

Cattles Invoice Finance maintained client numbers at 722 but saw a 10.6 per cent fall in net receivables to £77.4 million. The group is still considering a possible disposal of the invoice finance business as one of its options going forward

Link to post
Share on other sites

Hi guys, still digging and checked the Lewsi Group's listing for their consumer credit licence.

 

Ex Cheif Operating Officer Ian Cummings, suspended as you know, is still listed as running this place! How can someone suspended from a position that high for something so serious still be allowed to run the Lewis Group?

 

Surely that brigns into question their fitness to hold a consumer credit licence?

 

No-one can tell me he is A1 perfect at running this gaff and was just having 'an off' few years at Welcome :p

 

(and considering it seems most of the Lewis Group offices are beside/in Welcome offices they weren't affected by the famous 'breakdown of internal controls' that have crippled a company)

 

:rolleyes:

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

Brassed off

 

I have send you two PMs. Draft version of the particulars of claim... and a final letter to them.

 

 

 

MM, ,

 

 

thanks for that, been v.v. busy, but managed a quick scan over it, will digest in more detail later.

 

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

Good Morning fellow Welcome Finance haters !!! :lol:

 

Just wondering if anyone has heard of any successes of any complaints lodged with FOS against these cretins ?? Just being nosey

Forsure

 

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

Link to post
Share on other sites

Hi postggj, Animal lover got an interesting reply from NU:

 

http://www.consumeractiongroup.co.uk/forum/payment-protection-insurance-ppi/147639-welcome-finance-investigation-20.html#post2227483

 

Apparently they are even dodging telling the ICO when they ask too!

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

Their credit agreement states the following:-

 

 

£10.00 if they have to call you I called them about 15 times in the space of 6 months £150.00

£10.00 if they have to write you I wrote to them 11 times £110.00

£20.00 if payment is returned unpaid Charge Daily interest on PPI

£25.00 if they have to visit you I have not visited them so if I do I will charge them £25.00

 

and interest on interest.

 

I would recommend anyone contacting either by phone or letter to charge the same, this would mean you have equal rights under the contract. These people do not communicate internally and pass you around department to department.

 

They do not update their systems .. Always ask them for a copy of the recording if the call is recorded.

Edited by MarkieMark
Link to post
Share on other sites

Hi MarkieMark,

 

Agree with you totally.

 

I have NEVER in all my life dealt with such a firm of incompetent cowboys.

 

I really hope they die a slow and painful death very soon.

 

Take care

 

Voda

Link to post
Share on other sites

I sent an email to NU asking if they had any details of any policy in my name / address as Direct Group confirmed that they are the unerwriters. I got this email back. Feels like going round in circles and I don't see why my details aren't being found at NU.

 

 

Thank you for your earlier e-mail regarding the shortfall policy as stated.

 

Your e-mail has come through to Aviva United Kingdom Direct Insurance, who are part of the Aviva group dealing directly with the public via the telephone and internet. Aviva UKDI provide Motor, Home and Travel insurance policies direct to the consumer and do not use intermediaries or brokers. On checking the details that you have supplied I can confirm that your policy is not held through the Direct side of the business. As we operate independently from our parent company who use the broker system, I am afraid that we cannot access your policy or advise you on the terms and conditions therein. I would therefore ask that you direct your query to the intermediary who arranged your policy.

 

 

If the above information does not help to resolve your query and you do not have the contact details for the company you require, you can either call the main Aviva switchboard on 01603 622200 within normal office hours or write to: Aviva, PO Box 4, Surrey Street, Norwich. NR1 3NG

Alternatively you may choose to fax us on: +44 (0)1603 683659

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

Link to post
Share on other sites

I sent an email to NU asking if they had any details of any policy in my name / address as Direct Group confirmed that they are the unerwriters. I got this email back. Feels like going round in circles and I don't see why my details aren't being found at NU.

 

 

Thank you for your earlier e-mail regarding the shortfall policy as stated.

 

Your e-mail has come through to Aviva United Kingdom Direct Insurance, who are part of the Aviva group dealing directly with the public via the telephone and internet. Aviva UKDI provide Motor, Home and Travel insurance policies direct to the consumer and do not use intermediaries or brokers. On checking the details that you have supplied I can confirm that your policy is not held through the Direct side of the business. As we operate independently from our parent company who use the broker system, I am afraid that we cannot access your policy or advise you on the terms and conditions therein. I would therefore ask that you direct your query to the intermediary who arranged your policy.

 

 

If the above information does not help to resolve your query and you do not have the contact details for the company you require, you can either call the main Aviva switchboard on 01603 622200 within normal office hours or write to: Aviva, PO Box 4, Surrey Street, Norwich. NR1 3NG

Alternatively you may choose to fax us on: +44 (0)1603 683659

 

 

YOU TELLING ME THAT DIRECT GROUP ARE CLAMING TO BE THE UNDERWRITERS, NOT NORWICH UNION

 

SMELLING A BIG RAT

Link to post
Share on other sites

style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 4599 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...