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    • The defendant in this case is Parcel2Go.com Limited The claimant sent a parcel using Parcel2Go Ltd as a broker and Evri as the shipper via the Defendant's service containing which contained two handmade bespoke wedding trays to a customer with  under  tracking number P2Gxxxxxxxx. The parcel was never delivered although the defendant stated that three attempts had been made to deliver the parcel.  The claimants customer waited in for four days to receive the delivery but no delivery was attempted. There was no communication with the claimants customer.  Despite many web chats and emails the parcel was not delivered and on the Parcel2Go website it stated that the customer had refused delivery. This was not true as no delivery had been attempted.  I was The Defendant informed me that the parcel was being returned to me but after waiting three weeks I was informed by the courier that the parcel was lost. I was offered compensation of £20 + shipping fee which I refused and after sending Parcel2Go a Letter of claim this was increased to £75 which I also refused. The Claimant did not purchase the Defendant's insurance policy as requiring people to pay extra for rights already guaranteed under the consumer rights act 2015 is contrary to section 57 and 72 and therefore unenforceable. The Claimant rejected the Defendant's standard compensation offer. It is clear that the defendant is responsible for the loss of the parcel as they did not act with reasonable care and skill when handling the claimants parcel, contrary to section 49 of the Consumer Rights Act 2015.   By failing to ensure the safe delivery of the Claimant's parcel the Defendant breached section 49 of the CRA 2015.   AND THE CLAIMANT CLAIMS £370.00 being the value of the lost goods £xx.xx being the price of shipping and interest pursuant to s69 cca 1984.   See what BF thinks but I think something like this is better. Remember you are suing P2G not evri.
    • I disagree with the charge and also the statements sent. Firstly I have not received any correspondence from DVLA especially a statutory notice dated 2/5/2024 or a notice 16/5/2024 voiding my licence if I had I would have responded within this timeframe. The only letter received was the single justice procedure notice dated the 29.5.2024 this was received on 4.6.2024. I also disagree with the statement that tax was dishonoured through invalid indemnity claim. I disagree that the licence be voided I purchased the vehicle in Jan 2024 from RDA car sales Pontefract with agreement to collect the car on the 28.1.2024. The garage taxed the vehicle on the 25.1.24 for eleven payments on direct debit  using my debit card on my behalf. £62.18 was the initial payment on 8.2.24  and £31 per month thereafter the second payment was 1.3.24.This would run from Jan 24 to Dec 24 and a total of £372.75, therefore the car was clearly taxed before  I took the car away After checking one of my vehicle apps  I could see the vehicle was showing as untaxed it later transpired that DVLA had cancelled my tax , without reason and I did not receive any correspondence from DVLA to state why it was cancelled or when. The original payment of £62.18 had gone through and verified by my bank Lloyds so this payment was not declined. I then set up the direct debit again straight away at my local post office branch on 15.2.2024 the first payment was £31 on 1.3.2024 and subsequent payments up to Feb 2025 with a total of £372.75 which was the same total as the original DD that was set up in Jan, Therefore I claimed the £62.18 back from my bank as an indemnity claim as this payment was from the original cancelled tax from DVLA and had been cancelled . I have checked my bank account at Lloyds and every payment since Jan 24  up to date has been taken with none rejected as follows: 8.2.24 - £62.15 1.3.24 - £31.09 2.4.24 - £31.06 1.5.24 - £31.06 3.6.23-£31.06 I have paper copies of the original DD set up conformation plus a breakdown of payments per month , and a paper copy of the second DD setup with breakdown of payments plus a receipt from the post office.I can also provide bank statements showing each payment to DVLA I also ask that my licence be reinstated due to the above  
    • You know hes had it when they call out those willing to say anything even claiming tories have reduced taxes on live tv AS Salmonella says: The Conservative Party must embrace Nigel Farage to “unite the right”, Suella Braverman has urged, following a disastrous few days for Rishi Sunak. The former home secretary told The Times there was “not much difference” between the new Reform UK leader’s policies and those of the Tories, as senior Conservatives start debating the future of the party. hers.   AND Goves replacement gets caught booking in an airbnb to claim he lives locally .. as of yesterday you can rent it yourself in late July - as he'll either be gone or claiming taxpayer funded expenses for a house Alongside pictures of himself entering a house, Mr McGuinness said Surrey Heath residents “rightly expect their MP to be a part of their community”. - So whens farage getting around to renting (and subletting) a clacton beach hut?   Gove’s replacement caught out on constituency house claim as home found on Airbnb WWW.INDEPENDENT.CO.UK Social media users quickly pointed out house Ed McGuinness had posted photos in was available to rent     As Douglas Ross says he'll stand down in scotland - if he wins a Westminster seat - such devotion.
    • I've completed a draft copy to defend and will post up here for review.  Looking over the dates and payments this all stemmed from DVLA cancelling in Feb , whereby I set up a new DD in Feb hence the overlap, why they cancelled when I paid originally in Jan I have no idea. Anyway now stuck with pending court action and a suspended licence . I am also firing off a letter to DVLa recorded disputing the licence revoke
    • Thank you both for your expert knowledge and understanding. You're fighting the good fight by standing up for people like me and others with limited knowledge of this stuff. I thank you. I know all my DVLA details are good. I recently (last year) renewed my license, and my car's V5 is current with the correct details; the same is valid for my partner. I'll continue to ignore the love letters 😂 and won't let it bother either me or my partner.  I'll revisit this post if/when I get a letter of claim.  F**k ém.
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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.

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Welcome Finance - This company needs to be banned.


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Oh yes I am going to send details of this thread to the nice chap I saw today.

 

Somehow, I think that he is going to be in for a shock at WF's problems and naughty activities.

 

Oh yes I told him prepared for a long read as WF's thread is over 400 pages long.....:shock:

 

Voda

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I worked for this terrible company much to my shame glad to leave and be unemployed as the presure and total lack of ethics discusts me.

 

 

 

And did you ever manage to get a full nights sleep???

 

Like Fester says...BLOW THAT WHISTLE!!!

 

On here, would be a start ... unburden that heavy load you must have on your shoulders!!!!

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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Very interesting read, the writing has to be on the wall.

 

Going back to when I went over to their Feltham Branch earlier, I was disappointed that nobody answered the entryphone bell as the little devil inside me told me to say " Hi, I need an unsecured loan today and I am desperate. Can you help me please ".

 

I wonder what their reply would have been.

 

Any guesses guys?

 

Voda

 

 

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Hi again everyone,

 

Over the weekend, I am going to contact Watchdog and a thread that is over 400 pages long should be of great interest to them.

 

If any ex-Welcome employees would like to PM me, then I await your message with great interest.

 

I would be happy to meet up with anyone from here and go to see their research team in person and/or meet somewhere in private as you don't know me and I can then prove that I am a Welcome customer and totally genuine.

 

Bye for now

 

Voda

 

PS. I would love to see this shower on the box.

 

Hi Andie 303 & Postggj,

 

Some time back, I mentioned about approaching BBC 1's " Watchdog " about Welscum.

 

BBC - Watchdog - Got a story

 

Have you had any more thoughts on the matter?

 

Anne Robinson is returning to the programme and she is formidable.

 

Anne Robinson - Wikipedia, the free encyclopedia

 

I used to know Roger Cook of " The Cook Report " back in the 70's and they are of the same ilk.

 

http://en.wikipedia.org/wiki/Roger_Cook_(journalist)

 

Also I see that some ex-employees of Welscum are coming on here so apart from our side of things, they could be very useful to support us with a lot of inside information.

 

I am very keen to approach the Beeb now.

 

Please let me know a.s.a.p.

 

Take care

 

Voda

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I know this has been mentioned in the thread earlier but I had a sec. loan with Welcome, got into arrears and back in November they offered to rewrite the loan and lower my monthly figure, i thought that would be a great help to my wife and i. At that time i had never heard of this site so We accepted the rewrite. I went into the local office to sign the agreement and my wife was going into the office the following day to sign. Their rep said there was no need for my wife to sign the agreement:idea: even tho our mortgage and this sec. loan was in joint names. Also they've never sent a copy of the agreement to us...i wonder why??? I'm thinking after reading this thread and a lot of other threads that our agreement would seem to be unenforceable...what do you think?

 

Hello Nello, and sorry to be so behind the times with this reply. I notice that in June Postggj advised you to send a CCA request to Welcome. Did they ever respond to this? I have not seen any other posts from you subsequent to that.

 

Certainly the re-written agreement should have been signed by both of you if the first agreement was. I would also advise sending a SAR. In particular you are interested in seeing their internal notes on the computer about the loans, particularly the re-write. It might make for very interesting reading.

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I notice Andie was on last night, so this is a question for her, and anyone else who might know the answer.

 

A little while ago Andie noticed that Welcome had carried out a number of searches on her credit file, prior to their appearance in court with her. My partner is having the same problem (not that we seem to be anywhere near court yet). We have challenged their right to do this, since I believe their loan agreements do not give them authority for ongoing searching of your file (reporting, yes, but seaching, no). (I am aware of phrasing in newer agreements from other finance institutions that gives them authority to conduct seaches like this if they feel they have a valid reason.)

 

Currently we have asked them for a full copy of the agreement, legal charge and various other documents under CPR 31.16 protocols. At the moment we only have a photocopy of the front page of her agreement, without the terms and conditions that I presume were on the back.

 

So the question is, do they have authority to conduct such searches? And if not is there something we could do to make them desist? I am thinking here along the lines of a court order under some section of the Data Processing Act.

 

Thanks to anyone who can give some pointers.

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i have just looked at my credit report and welcome have yet again changed my loan to 37 months instead of 36 i have reported this 3 times to credit expert each time they put it right and it goes back to 37 months again anyone know if anything can be done about this

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Hi Traz39,

 

I received my Credit Report from Experian the other day too.

I have just checked it out and it says this:

 

1) Welcome Financial Services Ltd - Loan ( for my car)

 

Monthly payment £xxx over 37 months. Settled

 

This is why they called me after the loan was paid for and said that I was 1 payment short. They checked and apologised after I got angry and said that I had paid all 36 payments !!!! G ' rrrrrrrrrrrrrrrrrrrrrrrr

2) Welcome Financial Services Ltd - Loan

 

Monthly payment £xxx over 49 months - Settled

 

3) Welcome Financial Services Ltd - Loan

 

Monthly payment £xxx over 73 months - Ongoing

 

So they have done this to me as well.

 

I am going to call Experian right away.

 

Voda

 

 

 

i have just looked at my credit report and welcome have yet again changed my loan to 37 months instead of 36 i have reported this 3 times to credit expert each time they put it right and it goes back to 37 months again anyone know if anything can be done about this
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Hi again,

 

Just spoken to a lovely bloke at Experian .....:D

 

He said that this happens a lot with Welcome ....:lol:

 

Anyway he will amend my record and advise Welcome that this has been done.

 

He also said that whenever they advise a company that a record has been changed, they also advise the company concerned to amend their monthly tape records to prevent the record going back to it's pre-amended state.

 

He said that this happens a lot with Welcome's clients reports....:mad:

 

Another case of this muppet company's gross inefficiency.

 

I will get a letter from Experian telling me that my report has been amended in due course.

 

Let's see if Welcome heed their instructions.

 

Somehow I doubt it and this is why our records after amendment, go back to as they were before.

 

Voda

 

 

 

Hi Traz39,

 

I received my Credit Report from Experian the other day too.

 

I have just checked it out and it says this:

 

1) Welcome Financial Services Ltd - Loan ( for my car)

 

Monthly payment £xxx over 37 months. Settled

 

This is why they called me after the loan was paid for and said that I was 1 payment short. They checked and apologised after I got angry and said that I had paid all 36 payments !!!! G ' rrrrrrrrrrrrrrrrrrrrrrrr

 

2) Welcome Financial Services Ltd - Loan

 

Monthly payment £xxx over 49 months - Settled

 

3) Welcome Financial Services Ltd - Loan

 

Monthly payment £xxx over 73 months - Ongoing

 

So they have done this to me as well.

 

I am going to call Experian right away.

 

Voda

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Welcome Finance > Branch > Video Text

 

Sounds like a great place to work, where do I sign up? ;)

 

:eek::eek: The local pshyciatric unit sounds like a good place to start!!

(no offence intended):)

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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:eek::eek: The local pshyciatric unit sounds like a good place to start!!

(no offence intended):)

 

I like the bit of going out on a nice cold winters night when its dark - Is Carol coming too.

 

We sing on the door step - Oh come all ye faithful - joyful and triumphant - Lowellleeee oh Lowwellllle peace and CCJ's on earth.

 

Remember when they cant manage the finances we have too - so they need food and heating bah humbug! - Pay your loan.

 

We charged you PPI but your ill and it doesn't cover you - BAH HA HA HA - it covered us.

 

Why the red (debt collecting) opps i mean face you want your children to enjoy christmas. Well should have gone to Yes Car Credit (sadly they went bust) lol

 

opps - Sorry couldn't help myself lol.

 

What a joke the site is - should apply for the hell of it. :D

 

lol

SBFIDO

 

Accredited Member of the CIEH

 

No more will I be bullied or harassed.

 

When informed that the call is recorded for training and monitoring I always say I don't want it used for training. :razz:

 

I always ask for the ICO registration information - they often dont have it, shame i never discuss my personal data unless I know they comply with the DPA.

 

Finally I always record calls and state at the start of there call. Although I don't have too.

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Hi Guys,

Hope someone can help.I am new to the site so please bear with me if this question has already been answered somewhere.

My daughters boyfriend took out a loan with Welcome last November for £2500,PPI £1275 and Interest £1701.:-x

He is not money savvy at all and as someone said in an earlier post Welcome appear to target people who do not understand the implications of what they are signing.He says that all the time he was there the person never stopped talking/asking question etc and he was really confused but he needed the money they were going to give him so he just signed when they told him to.

I really think he may have been mis-sold this PPI as he didn't really know what it was.

He and my daughter are now living together and know that this loan must be repaid but I wondered if it is worth trying to reclaim the PPI or are we too late because of the position Welcome are in now.

Also he hasn't got a bank account and they telephone every week for a payment.My daughter gave them her Debit card details and now they have stopped phoning and just take the payment anyway.

I was going to write the first letter re the reclaiming for him tonight but just wanted to ask on here first.

Any thoughts on the above would be much appreciated.

 

Thank you

Dawnytrish.x

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Hi guys,

I found this thread after recieving a call from WF on Friday. I have been paying by direct debit on the 1st of the month with no missed payments then for no reason other than to raise funds WF want to take their payment on the 31st of the month. At first I thought no problem then it occured to me do they want to take one at the end of this month? So I asked the question to be told "yes". Well this means two payments in the same month which I can't afford but they don't care.

 

I have also been getting almost weekly calls asking if I want to up my payments. In my opinion this company does not have the funds to continue trading so they should pack everything up and go to the dole queue along which the staff already made redundant.

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Guest cowboyjr

Hi,

 

I took out a loan with WF 3yrs ago. Have paid every month on time with no problem and still have some way to go before I have finished paying. This week the phone started ringing and it was WF wanting to speak to me. So far they have left two voicemail messages. I never answered the calls and after reading the posts in this thread I think I am probably better off just continuing to ignore the calls. No doubt if I answer they will want to either up the paymens or move the date, or attempt to set up a new contract and try to do me over.

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plenty of welcome fighters on this thread to help

 

remember

you have a contract

 

they can ask for higher payments/change dd date etc

 

but getting it is a different matter

 

just tell them you are happy with the curent arangement and bog off

 

not long now

soon be all over

then no phone monkey as its ub40 time

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