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    • HI DX Yes check it every month , after I reinstated the second DD I was checking every week. Also checked my bank statements and each payment has cleared. When responding to the court claim does it need to be in spefic terms ? Or laid out in a certain format? Or is it just a case of putting down in writing how I have expained it on CAG?
    • Come and engage with homelessness   Museum of Homelessness MUSEUMOFHOMELESSNESS.ORG The award-winning Museum of Homelessness (MoH) was founded in 2015 and is run by people with direct experience of homelessness. A very different approach. If you're in London you should go and see them
    • You have of course checked the car is now taxed and the £68 is stated against  the same reg?  If the tax for the same car did over lap, then I can't see you having an issue pleading not guilty Dx
    • The boundary wiill not be the yellow line.  Dx  
    • Afternoon all Looking for advice before I defend claim for car tax payment that the DVLA claim I owe £68 from an idemity claimback from my bank and unpaid tax  brief outline. Purchased car Jan 30th ,garage paid the tax for me after I gave them my card details  first payment £68 out in Feb 24  followed by payment of £31 from March due to end Jan 24 Checked one of my vehicle apps and about 7-10 days later car showing as untaxed? No reason why but it looks like DVLA cancelled it , this could be because I did not have the V5 and the gargae paid on my behalf but not sure did not receive a letter to say car was untaxed.  Fair enough I set up the tax again staight away in Feb 24  and first payment out Mar 31st , and each payment since has come out each month for £31 , this will end Feb/Mar 2025, slightly longer than the original tax set up, all good. I then claimed the £68 back from my bank as an indemity refund as obviously I had paid but DVLA had cancelled therefore it was a payment for nothing?  Last week recieved a SJP form dated 29th May stating that DVLA were claiming for unpaid tax and a false indemity claimback which of course is the £68. It also stated that I had received two previous letters offering me the oppotunity to pay that £68 but as I had not responded it was now a court claim that I must admit guilt for or defend. My post is held for weeks at a time from Royal Mail ( keepsafe) due to me receiving hospital tretament at weeks at a time that said I did not receive any previous letters from DVLA. I am happy to defend this and go to court but wondering what CAG members think? In summary I paid an initial amount of £68 and then a DD of £31 , tax cancelled  I set up a new DD at £31 a month all in the month of Feb 2024, I claimed the £68 back from my bank. DD has been coming out each month without issue and I have paperwork to show the breakdown for both DD setup's plus bank statements showing the payments coming out . The second DD set up has extended payments up to Feb/Mar 2025. DVLA claiming the £68 was ilegally claimed back despite the fact they cancelled the original DD for reasons unknown. Is this defendable ? I will post up documents including the original DD conformations 
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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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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Welcome Finance - This company needs to be banned.


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Taitybean09

 

How Are Welcome Taking Your Money

 

Do You Have An Attachment Of Earnings

 

Have You Been Contacted Either By Cohen Solicitors

Cl Finance

Or Lewis Debt Recovery Agency

they have an attachment of earnings and have been taking money off my wages each week for the past year now!!

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NO INTEREST ON CHARGES FOR CREDIT , PERIOD

 

WANT TO KNOW WHY I HATE WELCOME SO MUCH

 

BUSTED

 

http://www.consumeractiongroup.co.uk/forum/welcome-finance/218955-welcome-car.html

 

 

HOPE YOUR WATCHING MR P

 

THATS NUMBER 16 IN MY BOOK

 

who is Mr P ? mate ?

 

how days now ?

 

please PM me , did you have that letter you said you were doing for me ?

 

speak soon mate cheers again

 

mart

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does anyone know how to calculate early settlement rebate as described in CCA1974 section 95. Is there a calculator available? Our problem, 20 payments made of total 36 (car HP) absorbed into second WF loan without any rebate being paid. This was year 2000 until 2002 when new loan taken out.

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Hi i have a loan with welcome finance and it was the biggest mistake of my life. I borrowed £3000 over 36 months & the total payment each month was £226.65 & the interest on top is £3796.48 & also a acceptance fee of £75, the Apr is 55.55% now that is high. I've got payment protection insurance on this which is £1167.92 & personal accident plan of £195 now i did'nt ask for these to be put on but they were already on the form when i recieved them. Anway due to money problems I could no longer pay the £226.65 a month so i went with a debt company called payplan which are really helpful & free. They reduced my payment to WF to £93.93 & they agreed to it. Recently i recieved a statment from WF with charges on & blimey i could'nt believe the interest charges they were putting on. Each month i was getting charged £166.16 next month would be higher & the hightest so far is £181. At first my loan was £8000 then they wrote to me & it went down to £4849 because they took alot of interest off so i phoned them to double check & it was right but then about two months ago i phoned them & they said i still owed them £6500 i was like what i heck. I had enough so i phoned fair tradings & they contacted WF & yesterday i got a letter from them saying they will not take the interest off so i am going to contact fair tradings again & i surpose i'll have to see what happens. But please please do not go with this company they are very bad news. I am at the point where im just going to say to them you are not getting no money off me at all because of this & they can take me to court. How the hell do they expect the loan to get payed off when im paying them the £93.93 & they are just adding interest its never going to get payed is it? As for the bloke that comented on here saying i work for Wf blah blah blah well up urs i dont care what u say WF ARE A BAD COMAPNY AND I HOPE THE COMPANY GETS CLOSED DOWN OR SOMETHING DONE ABOUT IT SO THEN UR ALL BE OUT OF A JOB THEN UR BE THE ONES IN OUR SHOES . YOU COME ON HERE THINKING YOUR ALL BIG & THAT JUST BECAUSE U WORK FOR THEM.

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Compliant ? my son was naive enough to take out a loan in July with this shower and looking at the agreement the boxes for PPI were pre-printed with a tick. So much for choice, basically Welcome preys on people who are desperate.

 

 

Mine 2!!:-x

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Compliant ? my son was naive enough to take out a loan in July with this shower and looking at the agreement the boxes for PPI were pre-printed with a tick. So much for choice, basically Welcome preys on people who are desperate.

 

Mine is the same, It already has a tick printed so yeah so much for choice.

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can i just state there seems to be a lot of new people here posting their threads, as this thread is huge it would be helpful if you can start your own thread and post a link in here the reason being if you want help this thread moves so quickly it gets lost or overlooked, and if you havent already done so send off a cca request to wf with £1 postal order and never deal with them on the phone

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hi guest from welcome r u worried about ur jobs now 2 of u

 

cant u get sleep during nights lost ur jobs or going to loose it

 

r u on night duty to check the things here from wel**** its time to get away from them

 

this is not for u dear guests from wel**** or cattles or lewis or cohen

 

is there anyone around to stop these guys from visiting/poking them in this site

 

there is nothing happening here at the moment so sleep well

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I was on here yesterday not logged in,

don't presume all guests are from welcome.

google gives a high result linking to this thread and not everyone is a member here yet.

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

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Right.... any ideas welcome (pardon the pun)

 

started loan in Jan... section in agreement said first payment one month from start of loan

 

Within the week they took a payment

 

We canceled the DD for Feb and resumed the in March

 

sent a letter to explain why this was done.... no reply

 

now found out they canceled the agreement for Jan and started a new one (same T&C ) in Feb

 

Effectively taking back the payment we canceled in Feb

 

So question is.... is the "new" agreement they started in Feb without our knowledge / consent / signatures, under a new agreement number, legal

 

And how to precede ?

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ime on this dan and to answer your question

 

no, no no

 

a cca is a legal document

 

even if welcome think the law does not apply to them

 

the new agreement needs your signature

 

like i said

 

ime on this

 

as of this moment

 

you have no agreement with welcome

 

you have confirmation the first agreement has been cancelled and they have no sig for the second

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only a court can do that

 

or

 

welcome

 

the charge should be easy enough as there is no agreement

 

as you know

 

welcome use credit files as a weapon

 

may need some horse trading on that one or court are the only options

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Please

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That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

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