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    • Thanks for this! I'm still not clear if I'm facing more than 6 points on my license though. Can you explain any further please? When I accept the 2nd speeding ticket, will they just charge me £100 and 3 points, or will they be more severe concenquences since that offense took place the following day of the 1st offense? Similarly, when I accept the 3rd offense, will they look at my record or just charge me with the £100 fine and 3 points?
    • Yes of course. That's why it says cc:: BIg Motoring World at the bottom. Don't imagine that this solves the issue. It doesn't. He not have to force the finance company and big motoring world to accept the rejection to give your money back. I suggest that you get the letter off tomorrow. And let us know what you hear but on Friday you should then send a threat to the finance company.   Have a look what I have said here about your options and read the whole thread as well.  
    • Been perusing the actual figures on the polls above wondering where the '16% claimed for deform comes from? I understand that there are 'weighted' end results based on secret calculations ...   Probably going to repeat this later, but remember that the ukip/brexit/reform/deform party has ALWAYS had poll speculation FAR better than their actual  performance at elections - by large margins. SO: The labor and Tory votes come largely from simply the people who say they will vote for them - sorted Lab 43% Tory 20%, with maybe another small 1-2% coming from the weightings of the 'not sures' Greens largely get what is declared from 'other' , although with another declared green bit from the 'pressed' question   So as the share of the voting displayed in 'other' granted to reform/deform is around 11%, where does the '16% too often being reported come from? Seems that reform has been granted as beneficiary of effectively ALL the don't knows and wont says, who when pressed didn't actually declare for someone else ... effectively adding 40%+ to their reported polling % - rather strange given their consistent under-performance compared to polling - or perhaps that is the cause of the higher rating eh?   Now I admit the possibility (probability?) of wingers being ashamed of declaring their support for the yuckey lemon end of the spectrum ... but surely  that should affect the 'Torys as well? Maybe the statisticians have simply weighted in that deform wingers are simply more likely to lie?   But - without 'weightings' and assumptions that faragits will get everything that isnt declared as a definite and unequivocal 'not that Piers Morgan' - reform is on around 11% it seems.   Add to that the history of polling a lot less than the hype - and the simple fact that faragit wingers seem to be spread across the country (presumably skulking in their moms spare room despite being 45+) and greens and lib dems seem to be community minded - I think two seats will be an epic result for farage. Hardly the opposition - far more raving wingnut party.   and importantly - Has farage got a home in clacton yet?
    • "as I have no tools available to merge documents, unless you can suggest any free ones that will perform offline merges without watermarking" (which you don't) ... but ok please upload the documents and we'll go from there
    • Please go back and read my message posted at 10:27 this morning @jk2054. I didn't say that I wasn't going to provide documents, only that I will upload them to an online repo that I am in control of, and that I would share links to these. You shall still be able to read and download them no different from if they were hosted here. And, the issue I have is not so much with hosting, but using an online pdf editor to create a multi-page pdf, again I have discussed this that same message.
  • 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

Welcome Finance - This company needs to be banned.


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yes but how much is the question

 

look at it this way

 

ive challenged 10 yes car credit agreements with marlin on the ppi etc and not lost one

 

once these accounts go down the gravy train docs get lost etc

 

even if it ends up with a dca, we can run rings around them and all the time that money is in your bank account

 

if it happens, we will cross that bridge when it happens.

 

my own opinion is that nobody will want to touch these accounts due to lousy agreements and ppi etc

 

well

 

muck hall might be an exception, they will buy anything

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dipply

 

fiddling the rigging more like

 

:lol: Ok, you win!

 

Opened a cold beer to celebrate, "Cheers all!" (clinks screen with beer)

 

Lovin it :D

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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yes but how much is the question

 

look at it this way

 

ive challenged 10 yes car credit agreements with marlin on the ppi etc and not lost one

 

once these accounts go down the gravy train docs get lost etc

 

even if it ends up with a dca, we can run rings around them and all the time that money is in your bank account

 

if it happens, we will cross that bridge when it happens.

 

my own opinion is that nobody will want to touch these accounts due to lousy agreements and ppi etc

 

well

 

muck hall might be an exception, they will buy anything

 

 

Kool why cant there be one post in this section where we all can post our agreements with Welcome finance so that can be in one place and can be looked by experience person like postggj.

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Hi all, can someone please have a quick read of this thread and see if they can help this cagger. Welcome being nasty and they need some help fast.

 

Loan with welcome was secured and the house was repossessed a few years ago. heard nothing since until cagger finds a ccj been obtained from Welcome for the (apparently) remaining unsecured amount of the loan.

 

CCJ is set aside but they really need a solid defence quickly to make them go away.

 

Thanks:

 

http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/191892-suspended-aoe-welcome-but-2.html

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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Failure to respond by CTT, will force administration. The bond is immediately repayable. The directors of CTT are bound under company law, to address this. Its not posturing by the bond holders.

 

They have to address this. If no other viable option presents itself (ie the banks step in a nd help out), then they will have to go to the only option left - administration.

 

Next week is critical in my opinion

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Hi flower, welcome to the forum.

 

the best thing to do is start your own thread as this moves quickly and will get lost, there is a wealth of info on this site especially about welcomse so if you have the time sit back and read all the threads, The reduced settlement you were offered is cattles aka welcome are in a desperate state at the moment and need all the money they can get, not sure when you took out your loans but first move would be to send a cca request, costs £1 and gets you your ccredidt agreement as the other thinking is most of welcome agreements are bog roll, so send off for cca even if you have it dont tell them that, do it recorded and update us whenyou recieve it..

 

Hello there, wonder if any of you could help me!

 

I took out a welcome loan a few years ago, for £4000, i then earlier this year topped it up by an extra £1500. Due to my poor credit history welcome and FLM would only accept me. I have been paying £282 monthly, and this was 4 years i beleive.

The past few months i have had Welcome call me up offering to reduce the amount i owe them, the first time i said i was not able to do this as they wanted £7000 to settle (If carrying with monthly payments approx £8000) I then last month had them call up again, and they said again the figure had deceased and they were offering £6000 to settle, they then said to increase my payments per month, which i said ok so ive increased my paymentsby an extra £25pm. I said to my mum who thought this was strange.

Im wanting to clear all my debts and am currently sorting this out.

So i go on the welcome website to find a address, and it says they are not accepting any more loans, but offering via a sister company. Very odd, are they going bust slowly? Could anyone advise me what to do? sit tight on monthly payments or make a full payment? If they go bust are they still legally able to collect the money if the balance is due to be paid off in 2013?

 

Many Thanks look forward to hearing your views

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I have been paying £282 monthly, and this was 4 years i beleive.

The past few months i have had Welcome call me up offering to reduce the amount i owe them, the first time i said i was not able to do this as they wanted £7000 to settle (If carrying with monthly payments approx £8000) I then last month had them call up again, and they said again the figure had deceased and they were offering £6000 to settle, they then said to increase my payments per month, which i said ok so ive increased my paymentsby an extra £25pm.

 

Why did you increase your payments? Had you missed some? Surely even Welcome wouldn't phone people who were making full contractual payments and badger them to increase them? :eek:

 

I certainly would not entertain any of Welcome's 'generous offers'. If anything, I would look to reduce payments to, at the very least, their contractual level.

 

As stated above, send off for your CCA. I'm starting to doubt if Welcome will exist by 2013. If Welcome go bust, someone will pick up their books but, rest assured, any Welcome debtors would be in a very strong position in that scenario.

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They are total and Utter MUMPETS at my Welcome Branch, today I receive yet another letter from the Local Branch (Unfortunately still there)

WE have been trying to contact you!!

 

Well I have sent the trespass letter/ Told them I have no phone/ Sent a copy of my SAR request..

All these letters to Local Branch and Nottingham and they still bother me!!

 

What part do they not understand...and will they ever go away?

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They are total and Utter MUMPETS at my Welcome Branch, today I receive yet another letter from the Local Branch (Unfortunately still there)

WE have been trying to contact you!!

 

Well I have sent the trespass letter/ Told them I have no phone/ Sent a copy of my SAR request..

All these letters to Local Branch and Nottingham and they still bother me!!

 

What part do they not understand...and will they ever go away?

Probably not...The Welscum vermin seem to think they are above the law....not for much longer though hopefully !!

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hi eeeezzzyy

 

hows it goin with your sol and this bunch of bananas???:D

 

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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hi eeeezzzyy

 

hows it goin with your sol and this bunch of bananas???:D

 

b-o-2

Got them to stop pestering me every 2 n half minutes and he's now pretty much trying to do what i failed to do...Get CCA's etc so he can tie them up with my copys he's not impressed with the fact that my balance has never hardly reduced in two years of consistent payment and hopefully get them to reduce the 50% magic offer by at least another 30/40% or see you in court...I know one thing my mobiles never been so quiet :grin:

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Sent my letter off a few weeks ago now, the one saying, I know you've conned me into buying insurances I didnt want, yadda yadda yadda. I've had a letter back saying they acknowledge my complaint, but are unable to act yet as I didnt supply enough information (although I give them my agreement number, PPI policy number, date of agreement etc), and they've attached a sheet asking me to give them more info....'Where was I when I took out the PPI', 'What do I remember about the time that I took out the PPI', 'What was my employment status at the time', 'Why have I decided to complain now' etc etc. Is this normal from them? There is a little line at the bottom of the letter that say I have a week to respond, and that if I dont respond within a week, they can reset the 40 days, and add the time it takes me to respond too. I've filled it out, shall I just send it back recorded delivery?

 

HELP GUYS!!!

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