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    • I see jenrick has stuck his head up with them, and I'm sure this wont faze their nasty rhetoric one wit-less UK growth since 2010 has been lacklustre and largely driven by immigration, says report UK growth since 2010 has been lacklustre and largely driven by immigration, says report | Economic growth (GDP) | The Guardian WWW.THEGUARDIAN.COM Resolution Foundation report suggests parties are dodging the economic challenges facing the country   Net migration is more than two and a half times the 2010 figure despite a string of Tory pledges to reduce it Immigration: how 14 years of Tory rule have changed Britain – in charts | General election 2024 | The Guardian WWW.THEGUARDIAN.COM Net migration is more than two and a half times the 2010 figure despite a string of Tory pledges to reduce it    
    • Will get them done asap My job changes week to week so at the time I didn’t know. 
    • You will probably get a couple more reminders followed by further demands fro unregulated debt collectors with even increasing amounts to pay. They are all designed to scare you into paying.  Don't. It's a scam site and they do not know who was driving and they know the keeper is not liable to pay the PCN. Also the shop was closed so they have no legitimate interest in keeping the car park clear. So to charge £100 is a penalty as there is no legitimate interest which means that the case would be thrown out if it went to Court.  Keep your money in your wallet and be prepared to ignore all their letters and threats. Doubtful they would go to Court since a lot more people would not pay when they heard  MET lost in Court. However they may just send you a Letter of Claim to test your resolve.  If yoy get one of those, come back to us and we will advise a snotty letter to send them.  You probably already have, but take a look through some of our past Met PCNs to see how they are doing.
    • Hello, been a while since I posted on here, really hoping for the same support an advice I received last time :-) Long, long story for us, but basically through bad choices, bad luck and bad advice ended up in an IVA in 2016. The accounts involved all defaulted, to be expected. In 2018, I got contacted by an 'independent advisor' advising me that I shouldn't be in an IVA, that it wasn't the solution for our circumstances and that they would guide us through the process of leaving the IVA and finding a better solution. I feel very stupid for taking this persons advice, and feel they prey on vulnerable people for their own financial gain (it ended with us paying our IVA monthly contribution to them)-long and short of it our IVA failed in 2018. At the same time the IVA failed we also had our shared ownership property voluntarily repossessed (to say this was an incredibly stressful time would be an understatement!) When we moved to our new (rented) property in August 2018, I was aware that creditors would start contacting us from the IVA failure. I got advice from another help website and started sending off SARs and CCAs request letters. I was advised not to bury my head and update our address etc and tackle each company as they came along. Initially there was quite a lot of correspondence, and I still get a daily missed call from PRA group (and the occasional letter from them), but not much else. However, yesterday i had a letter through from Lowell (and one from Capital One) advising that they had bought my debt and would like to speak with me regarding the account. There will be several.of these through our door i suspect, as we did have several accounts with Capital One. Capital One have written to us with regular statements over the last 5 years, and my last communication with them was to advise of of our new address (June 2019), I also note that all of these accounts received a small payment in Jan2019 (i'm assuming the funds from the failed IVA pot). Really sorry for the long long post, but just thought id give (some of) the background for context.... I guess my question at the moment is.....how do I respond to Lowell...do I wait for the inevitable other letters to arrive then deal with them all together or individually...? Do I send them a CCA?  Many thanks
    • hi all just got the reminder letter, I have attached it and also the 2nd side of the original 1st pcn (i just saw the edit above) Look forward to your advice Thanks   PCN final reminder.pdf pcn original side 2.pdf
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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.

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Welcome Finance - This company needs to be banned.


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I have never felt such happiness in others misery... i remember some welcome posts from staff in which they said business was booming.... happy days boom to bust just like the economy....

 

arrogant beastards....

Only direct action by the masses will work....

 

Look at all successes they have never come from negotiation!!!

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Does Quick Response Loans, mean anything at all?????????

 

In what respect, is this a company ?. Popping that into Google just brought up PaydayLoans:???:

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PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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Hi, I used to work for welcome, and reading through all the posts makes me feel sick. I hated my job but got stuck in a rut.....the pay was good and it was all about targets and bonus. However, I wasn't a collector or a lender - I was an office manager (dealt with orders, posters, holidays, meetings etc). I was made redundant whilst on maternity......yes thats illegal but this is welcome that we are talking about LAW MEANS NOTHING, I was gutted re: redundancy but it was a kick in the teeth and I am soooooo pleased they did it as I am so much happier, even more so today when I found out the branch i worked in CLOSED today :-) :-) . I hope my old manager struggles like hell in life as he had debt coming out of his ears, a company car (that now has to go back) and just bought a new house that he was bragging about - a mortgage of over £1500 month ha ha, i shouldn't laugh but he did when he got rid of me at 8.5 months pregnant !!!! REST IN PEACE WELCOME lol

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Yes - my branch is on the phone daily - I just dont answer it - and they dont leave a message either. :)

 

 

they are allowed to call you twice a day - once in the morning and once in the afternoon, If they leave a message in the morning they can't call you back til afternoon and leave another message, so more often than not to beat the system they will just call call call leaving no messages to "get round the system".

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ha ha I had bigger and better things on my mind when they hit me with redundancy so i probably could have done alot better......but i am out and that the main thing. :-)

Any questions about welcome and what they can and can't so are welcome to come to me - i know most of the ins and outs !!!!

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When I was behind they would call either from a withheld number or a selection of different mobile numbers. Anytime up to about 10pm on occassion and on one day I had 7 missed calls from them. I assumed they used mobiles so the call wasn't recorded - certainly the Bu****it they used to spout would not look good in court!

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Looks like my branch has gone. All I wanted was some sort of response to my questions. In the end I wouldn't talk to them as I only got places talking to compliance. Anyway the branches appear to be as follows.

 

Aberdeen Belfast Bootle Bury Chelmsford Cumbernauld Dudley Dundee

Eastbourne Ilford Londonderry Maidstone Oldham Oxford Paisley

Portadown St Asaph Telford Watford Wednesdbury Wigan

York

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Here's one for the mobile game.... sign them up for sub prime loans and debt advice from "we can write off your debts" merchants.

Had a call from the local office who said they were concerned for my credit rating and missing payments - the account is now officially in dispute through compliance at nottingham. Is this legal to affect my rating?

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aaaahhhhh ...poor poor wigan, now that doesn't surprise me in the slightest!!:D They must have had evey scally from welcome employed there!!!

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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Looks like my branch has gone. All I wanted was some sort of response to my questions. In the end I wouldn't talk to them as I only got places talking to compliance. Anyway the branches appear to be as follows.

 

Aberdeen Belfast Bootle Bury Chelmsford Cumbernauld Dudley Dundee

Eastbourne Ilford Londonderry Maidstone Oldham Oxford Paisley

Portadown St Asaph Telford Watford Wednesdbury Wigan

York

 

these are the ones, not sure where this info was taken from though!

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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