Jump to content


  • Tweets

  • Posts

    • If there is a whitelist and few intruders there only seems the residents to make money from. It would leave wondering what the incentive was for the MAs if there was nothing in it for them except the obvious complaints from the residents. Not that I am saying that they are getting a backhander but there seems little other reasons unless they are trying to show how well run the place is managed-not. If they ran it properly there would be no need for OPs.
    • we're much better. pers i'd stat fighting back with debt, as if you don't you will never be rid of it. you've already most probably extended the life of all your debts by another 6yrs by going the IVA route, because the IVA will fail..they always do. these providers always find some reason at the end of the 5yrs to extend it by inventing some weird and wonderful schemes like sell our mates your equity in your home before we will say it's finished and sign you off. despite all the bluff and bluster these companies come out with, there is really very very little legal wise they can do to you id you tell them to go......and stop paying and ignore them. as i said a few postback im really shocked you fell for the IVA and are now falling for more bluff and bluster and thats why you are in the state you are in. by the way. i was going to ask Credit Expert are a credit file company, are you sure they are the ones Hanover have got to pressure you? doesn't sound like their remit to me, 1st ive heard of a CRA company winding up debtors for a fee. can you dump all these emails into a PDF file after redaction so's we can see.? read upload dx    
    • now do you want help or just come here to rant at the 1st chance. is this indictive of why you have this issue with BG? there isn't one really just you being pedantic? now give us a chance to decide lets have some info. we don't accept .jpg picture files as they are displayed directly to screen whereby anyone members or not can see them, hence we require a multipage pdf properly redacted. theres a good upload guide to read on that. so ball is your court... we still would help our worst enemy regardless . dx
  • 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 4557 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

You Can Not Do A Vt With Arrears

 

Have You Got It In Writing That They Have Accepted The Vt And Closed The Account

 

Seen This Come Back To Bite In The Ass To Often

 

surely the closed account is a moot point - if they have accepted a VT - the conditions of a VT is that you give back with nothing due and owing. If OP has in writing they accept VT that should surely be sufficient proof. :confused:

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

Unfortunately I hadn't paid half, wish I'd clung on for longer but circumstances meant that the payments were crippling me and although I renegotiated it (stupidly by telephone), Welcome reneged on it and demanded full monthly payments after 1 month into the new payments.

 

 

hmmm yes telephone is not good - how far away are you from half agreement? I would pay up to then and then tell them to take me to court.

Link to post
Share on other sites

Post - I had a letter setting out the VT and amounts owed etc, although i can't put my hand to it right now, got paperwork everywhere.

 

Andie, I've just checked and I'd paid £2k ish off what turned out to be over £9k for a £5k car (if I could I would kick myself violently believe me) after the vt they halved it, took away my payments I'd made etc and are after £2k now. I don't have it in any way shape or form. Anyway I won't hijack this any longer as I have my own thread, which I'll post on once I get all the CCA and SAR sorted on it. thanks for all the help

Link to post
Share on other sites

If Its Agreed That The Account Is Closed In Writing Following A Vt, Thats Great

 

Ime Realy Going To Be A Sod Now

 

What About The Outstanding Ppi Etc

 

They Will Come After You For That Unless

 

You Have It In Writing The Account Is Closed

Link to post
Share on other sites

No PPI as I refused it.

 

The letter setting out all the payments that are required under the VT does just that, it doesn't at any point in there say the account is closed, it does clearly state however that the arrears were £500 ish and just asks that I contact a branch to discuss repayment of the amount owed after VT.

 

This is link to my thread, post 23 has the link to the documents I scanned - hope this works!

 

http://www.consumeractiongroup.co.uk/forum/welcome-finance/194369-some-advice-about-welcome.html

Edited by rubyrox73
Link to post
Share on other sites

Banging my head against a brick wall with them.!!!

 

No replies to letters..no reply from carcraft..

 

They can sod off!! :mad:

 

I got a replt off my broker sunnie... with two copies of insurance statement of needs documents i had never seen, or discussed before. AND they had my signatures on?

 

exactley the same as they appeared on my agreement hmmmm.

Link to post
Share on other sites

Hi Andie,

 

The branch (DMP) that I was using has never answered any of my letters and now I am back to the original branch and they will not answer my letters either.....:-x

 

They are a joke company, for sure.....:lol:

 

Nitey nite.

 

PS. Monaco GP this weekend .......:D

 

Not disputing the translation Voda

 

Always interesting when you can read back through posts on user CP :confused:

Link to post
Share on other sites

I got a replt off my broker sunnie... with two copies of insurance statement of needs documents i had never seen, or discussed before. AND they had my signatures on?

 

exactley the same as they appeared on my agreement hmmmm.

 

cut and paste :eek: try and find a local graphologist to look at them - could be invaluable

Link to post
Share on other sites

The more that I hear about Welcome Finance, the more they disgust me.

 

Forging signatures etc, unbelievable.

 

There is a new series of Watchdog coming out in the Autumn and I gather that Anne Robinson is presenting it again.

 

What about it guys and gals?

 

Voda

Link to post
Share on other sites

The more that I hear about Welcome Finance, the more they disgust me.

 

Forging signatures etc, unbelievable.

 

There is a new series of Watchdog coming out in the Autumn and I gather that Anne Robinson is presenting it again.

 

What about it guys and gals?

 

Voda

 

dont think it was welcome this time voda... think it was broker... welcome said i need to take mis slod ppi up with broker as it was them that sold it.

Link to post
Share on other sites

dont think it was welcome this time voda... think it was broker... welcome said i need to take mis slod ppi up with broker as it was them that sold it.

 

I would doubt - this is Welcome all over - the broker would really have no reason to do this - he would have got commision on the sale anyway - it is Welcome that stand to make all the money of insurance. And it is their paperwork that was forged not the brokers.

Link to post
Share on other sites

Had letter off the FOS today after I complained about welcome chasing account in dispute and with the Ombudsman they have said they requested that welcome stop chasing the account untill a decision is reached and Welcome told them they are not willing to stop chasing and acording to FOS they are entitled to do this so who is supposed to protect our rights if these companys can just tell the FOS to go soak thier heads.

Link to post
Share on other sites

a quick question for you???

 

because welcome have been taken to court by us and others and we have won (by default) doesnt that mean that welcome now has ccj's on there business credit file...

 

and that would stop them from having a credit licence????? and stop the banks from lending against irresponable businesses???

 

just a thought

 

i wonder if the office of fair trading the people who issue credit licences know of there ccj's???

 

;)

Link to post
Share on other sites

hi, I don't want to hijack the thread but have been reading it for the past 3 days..can someone please check out my thread

 

http://www.consumeractiongroup.co.uk/forum/welcome-finance/200394-welcome-finance-ppi-dodgey.html

 

I have a few questions on there please

 

 

(sorry new to this and still learning)

Edited by The wife
adding (long winded) link
Link to post
Share on other sites

We have never missed a payment to Welcome Finance it was due on 8TH of May but due some mystical problem the direct debit did not clear.

 

I will contact Nat West tomorrow but I just want to warn anyone with dealings with Welcome Finance that they are now sending debt collectors to the door even in this situation. They are **** and would advise anyone contemplating dealings with them DON'T AT ALL COSTS.

Link to post
Share on other sites

Hi Andie,

 

Great.

 

I'll PM you later and a few of us should get together on this one.

 

Must nip out and do the lottery .....:)

 

 

 

 

 

 

 

I'm in - she'll eat them alive!!
Link to post
Share on other sites

That's true.

 

I never sign the same way.

 

 

 

Trace 1 signature then lay it over the other & if they match exactly then you have a provable forgery. We never ever sign our signature the exact same way twice
Link to post
Share on other sites

I got a replt off my broker sunnie... with two copies of insurance statement of needs documents i had never seen, or discussed before. AND they had my signatures on?

 

exactley the same as they appeared on my agreement hmmmm.

 

It will be interesting to see what I get back.!!

 

Hope they have not forged any signatures!!

Link to post
Share on other sites

That's true.

 

I never sign the same way.

 

Sorry to butt in here but you got me thinking about signatures and i don't remember signing the finance agreement for my car 2 years ago , and when i look at my agreement i find that it isn't my signature on there ! my name but def not my sig ! the dealer signed it ! should i try to make something of this ?

Link to post
Share on other sites

MMmmmmmm

 

Strange Things are happening !!!

 

Phone call off Area Manager!!

 

Questions being asked about our paperwork!!

Must have been reading up on here!! Never once put the answer to that particular question in writing to them!!

 

Area Manager left his private number with OH, for me to call them back!!!

 

Someones flutter-valve is a fluttering!!! Brown stuff on target for fan...me thinks!!!

 

B-O-2

 

:lol::lol::lol::lol::lol::lol:

LMFAO at the follow up letter !!! God Love em, they are tryers!!

 

:eek: You want me, to contact you, to discuss what i intend to do in relation to your politely written threat letter!:lol::lol:

 

I know its bad taste to quote myself peeps, but i just had to share this crap with you, even if i cant divulge too much into it at the moment.....

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

I love it when they say stuff that you know you haven't told them or that they should ever know.

 

Best example was when I called DG about something and hung up saying I was going to call NU and ask them.

 

I call NU almost straight away and ask to speak with Sue Dewey and the lady says "i'll just put you through - did you say your name was Andie?"

 

Errr no i didn't give you my name but I bet DG did - I laughed for ages at that one.

 

It was also good when NU wrote to me and mentioned about my court action - errr how would you know that me thinks??? :p

Link to post
Share on other sites

style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 4557 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...