Jump to content


  • Tweets

  • Posts

    • Hello, welcome to CAG. As you say, appealing this ticket doesn't help as these people hardly ever accept appeals. They don't care how difficult someone's life is, they just want the money. The forum guys should be along later with thoughts for you on how to deal with this. Best, HB
    • I have received an email in the last 10 minutes 4) The Claimant's witness is currently out of the office on annual leave and this was not relayed to DWF Law until after the event which has caused a further unfortunate delay. 5) The Court has directed parties to file and serve any evidence upon which they intend to rely not later than 14- days before the hearing i.e. by 4pm on 6 June 2024. Regrettably, the Claimant will have insufficient time to finalise their witness evidence and supporting exhibits as directed. We therefore respectfully apply to extend the time for filing/serving evidence so that the evidence upon which the parties intend to rely by filed and served not later than 7-days before the hearing i.e. by 4pm on 13 June 2024  It also includes a "Notice of Hearing" stating that the application hearing will take place on 13th June at 10.00am.  Confused as to whether I need to attend this ?
    • I've received this notice to keeper. I work for the NHS and was delayed due to patient care. I park here regular and and have never had any issues. I've looked at the evidence on the portal and other than showing that i entered at 12.59.33 and departed at 17:14:14 it doesn't state how long i overstayed for. I paid for 4 hours parking over the phone which i wont have done till i got parked but as its over the phone i have no receipt or record but it is not possible for me to have been in excess of 15mins from the photos alone but I'm unsure having read other threads whether grace periods are 10 or 15 minutes. I havent appealed yet but and was about to but in appealing i'm showing i'm the driver which i gather is something you state we must never do. I don't like confrontation but £60 seems extortionate. Hope you can help. 🤞 1 Date of the infringement 30th May 2024 2 Date on the NTK [this must have been received within 14 days from the 'offence' date] 30th May 2024 [scan up BOTH SIDES as ONE PDF- follow the upload guide] please LEAVE IN LOCATION AND ALL DATES/TIMES/£'s 3 Date received 5th June 2024 4 Does the NTK mention schedule 4 of The Protections of Freedoms Act 2012? [Y/N?] No reference to schedule 4 just says"...we the creditor reserve the right to recover unpaid parking charges from the registered keeper in accordance with POFA 2012." 5 Is there any photographic evidence of the event? Yes 6 Have you appealed? [Y/N?] post up your appeal] No Have you had a response? [Y/N?] post it up NA 7 Who is the parking company? Carpark securities 8. Where exactly [carpark name and town] Northgate, Halifax Former Dews Car Park HX1 1XJ For either option, does it say which appeals body they operate under. IAS There are two official bodies, the BPA and the IAS. If you are unsure, please check HERE   Notice to Keeper.pdf
    • It never seems to amaze me how the chuckleheads think that No Stopping can ever offer a contract when it is prohibitory. In any case you did not accept the contract by entering the land, you entered the land to get to the airport for goodness sake. In most car parks there is a Consideration period that allows motorists to decide whether they want to stay in the car park . Here on a road, there is no consideration period and whether the motorist finds the terms agreeable or not even assuming that they are able to understand that they are being hoodwinked into believing they are being offered a  contract they cannot turn back. They have a plane to catch and even if they did turn back because they didn't accept the  No Stopping term of   the so called contract they would still have had to stop to turn around. Plus there is a question of Frustration of Contract. You had to stop at a pedestrian crossing .    
    • Just a couple paragraphs their WS that it might be useful to refer to specifically in the OP's WS... Para 6 A contract was formed with "the driver" of the vehicle. Para 8 "The driver" accepted the contract. (The "driver" is not named, or identified anywhere in the WS). Para 7 WHY would there ever be a "no stopping" restriction in a car park? (In Para 10, they specify that it is a "car park"). Para 11 "The Defendant" became liable." Again, they have not shown that the Defendant was "the driver", simply the keeper. Para 20 "It is a matter of agreement"? Not really sure what they're trying to say here...
  • 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 4594 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

I'm disappointed just as much as everyone that they got a repreive as I hate Welcome Finance, Shopacheck, the Lewis Group and Cohen et al with a passion. It certainly put a crimp in my day this morning.

 

I woke up this morning hoping for better news, however, the crumb of comfort is that they will be still around just yet for us to put in our claims.

 

They will go, it's just a matter of time, they can't sustain the huge sums they owe for ever.

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 felt the same way this morning but its made me all the more determined to push on and get my claim dealt with im making an appointment with my sloicitor for next week (when he gets back off his annual leave) !! See whats extracted from Welscum and what he thinks of my sooper dooper 50% once in a lifetime offer to clear my loan !

 

Dream on Welcome your not getting another penny from me !

Link to post
Share on other sites

this is not a set back

just a stay of execution, its only six months

 

the prob was there is an election comming up, a local labour authority pension fund is tied up in cattles

 

not saying any political pressure but, (are there not a couple of Right Honourables involved in this company also?????)

 

WHAT THIS WILL MEAN IS AN EXPLOSION IN LITIGATION FROM

H COHEN

LEWIS

CL FINANCE

 

THERE WILL BE FRANTIC EFFORTS TO GET COURT JUDGEMENTS TO RAISE THE ACCOUNTS LEVEL - for my part, hoho, I damn well hope so :D

 

 

I think a concerted effort now to make as many of the dodgy ppi, agreements and scams public and tied up in complaints/litigation as poss - for as long as poss.

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

I think this will help people that are trying to get their accounts settled, as they are bound to be looking to get offers in on disputed accounts, and get them off the books, and money in the pot.

My opinion is that they will be pushing the poor souls that don't know their rights and giving them hell to get money off them, or get them signed up for re-writes.

Will the FSA/FOS be monitoring them more during this 6 month period, meaning proper responses to complaints etc? (or is that wishful thinking?)

Link to post
Share on other sites

Postggj, how about starting another thread explaining the situation now and getting as many folk as poss to submit official complaints to the OFT and the FSA....keep piling the pressure?

 

The regulators will not be able to ignore the amount and the seriousness of the issues we could get logged for long. Every single one needs to be logged and deserves to be.

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

I think a concerted effort now to make as many of the dodgy ppi, agreements and scams public and tied up in complaints/litigation as poss - for as long as poss.

 

 

I have SAR'd Welcome and Carshaft - I'm looking for the commission issues, PPI mis-selling and general crap agreement issues. Think of it as a preemptive strike before they start clamouring for more dosh...

Link to post
Share on other sites

Also only if the liquidator allows it will the book debts be sold on & as they are the primary asset the liquidator may consider that the new 'owner' such as the bank is better equipped to collect

 

However the banks who funded Cattles will have 1st call on those alleged assets floating &/or fixed

Link to post
Share on other sites

Just been told bY the lady at the Welcome LMB that i still have to pay because my arrears are at £1k, and the loan is secured on my property...i kindly brought it to her attention that i have appeared in court on several occassions with the 1st charge **** bag mortgage company, and that i am still in the said mentioned property, and i am waiting for them to take me to court as mentioned in their default notice they issued me a while ago, but in the mean time could she please explain why i have been charged the £235.00 acceptance fee 3 times,send me a full set of statements from inception to date, and when will they have the current agreement ready for me to inspect in person at their office!! In the meantime i am not paying, they should not be adding any charges to my account etc (apparently they can) whilst it is in dispute!!! Thought i would leave the PPI, fraud and creative accounting and data protection breaches out for the time being..saving that for a rainy day!!! Will have 6 weeks with time on my hands for this lot come friday!!! cant wait!!!!

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

Unsure, I think if they are only collecting on behalf of WF, ie not bought the debt then no, but am checking that for myself also...but WF should have informed you they were passing the account on (didn't tell me either lol)

 

If you would like their general e-mail addresses to bombard them, just leme know, judging by the sniffy responses I got they really don't like that :)

 

Have Cohens done the whole 'we are preparing court papers' malarkey?

 

Looks like my situation is exactly as yours. Nothing from Welcome about passing this on to their sister company. I have also had the 'preparing court papers' crap.

 

I've got their email addy, thanks. I've had a few replies with the usual 'you owe WFS this money.

 

I've had a successful PPI claim, believe it or not, and Cohen's are not taking this off the total. Doesn't phase me though.

Link to post
Share on other sites

Hi Sol

 

They're a laugh ain't they. I asked Cohens if Lewis Group actually instructed them to prepare court papers or if they just used a template letter to threaten me and apparently they have now closed their file....tut, is that all the fight I'm gonna get lol

 

Lewis Group tell me they are closing their file also. Oh really? I ain't letting them off that easy.

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

There will be more news this month. It's actually a good opportunity for thos who loans are finished but were missold insurances etc to get claims in. Indeed everyone should be claiming back PPI because they will get it back.

Link to post
Share on other sites

Morning all, just to let you know the little loves have just rung me, wanted to know what i thought of their amazing offer to bring my account to a close and if im going to pay it.....soooo i first of all informed him that he really shouldnt be phoning me as it is all now in the hands of a solicitor, and isnt it funny that now im fighting back against the scumbags who have made my life a misery for the last two n bit years, you are starting to be ultra nice to me. He didnt take to nicely to the fact that even if i was dealing with it i still wouldnt cough up as im going to take them to court if required,."you'll be hearing from me soon goodbye" :D

Link to post
Share on other sites

Im on day 24 now since sending my letter demandng my refund for the PPI rubbish. Just thinking if I should ring them or not and pester them, I mean they've done it to me enough over the years....calling me a week before my payment is due, asking if they can have my card details and keep them in their safe so they can take the payment on the due day....

Link to post
Share on other sites

oh and did I mention that the cheeky beggars told me in april that my agreement had ended, but i owed them 1000 worth of charges......... and that if I didnt pay my monthly amount that would imply an attachment of earnings?

Link to post
Share on other sites

Hi Sol

 

They're a laugh ain't they. I asked Cohens if Lewis Group actually instructed them to prepare court papers or if they just used a template letter to threaten me and apparently they have now closed their file....tut, is that all the fight I'm gonna get lol

 

Lewis Group tell me they are closing their file also. Oh really? I ain't letting them off that easy.

 

Lol I never thought of asking them that! They did give up quite easily, perhaps the DCAs are a bit cautious just now with the Dispatches programme on Monday?

Link to post
Share on other sites

oh and did I mention that the cheeky beggars told me in april that my agreement had ended, but i owed them 1000 worth of charges......... and that if I didnt pay my monthly amount that would imply an attachment of earnings?

 

Not a surprise at all :rolleyes: - Its what we come to expect fro Welcome. Would be more surprised if they didnt say something like that !! Nice to know they are still true to form - hopefully not for much longer though !!:lol:

Forsure

 

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

Link to post
Share on other sites

Lol I never thought of asking them that! They did give up quite easily, perhaps the DCAs are a bit cautious just now with the Dispatches programme on Monday?

 

Why whats on Monday Sol ??

Forsure

 

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

Link to post
Share on other sites

Just spent about 35 minutes getting passed from local branch, to customer service center(?), to another place, spoke to some woman who didnt have a clue, then spoke to the office where my complaint letter had ended up, they had no record of it, although the branch give me the dates they forwarded it etc. Just spoken to the guy in our local branch, and he's gonna fax a copy to the bloke I spoke to up north somewhere. Felt slightly guilty having a go at the people in the local branch cos they've always been okish, then thought of the grief this situation has caused me over the years!

Link to post
Share on other sites

Yeah and lets not forget Andie 303...

 

Aint heard from him for over a week?

 

HER!!!

 

And I've been on holiday....and splitting up with my partner so not a good week all in all!! :(

 

Need some good news to cheer me up so just going through the thread to see what I've missed :)

Link to post
Share on other sites

HER!!!

 

And I've been on holiday....and splitting up with my partner so not a good week all in all!! :(

 

Need some good news to cheer me up so just going through the thread to see what I've missed :)

 

Glad to have you back! Done the splitting up thing myself too recently....is it a full moon or something? Hope you're ok :)

 

Cagger rrfcfan is in court with them today, asked for a disclosure of full PPI docs ages ago and they still haven't supplied them (shock lol), so bets are on they don't turn up today :lol:

 

My signature also seems to have disappeared!

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

style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 4594 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...