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    • Fraudsters copy the details of firms we authorise to try and convince people that their firm is genuine. Find out why you shouldn’t deal with this clone firm.View the full article
    • An update - Still receiving emails and letters - but have been getting text messages too. nothing aggressive just asking me to get in touch.    the text makes it look like it from the bank on first glance - it reads -   'the banks name' would like to dicuss our recent communication...etc... then lists IDR phone number and email FYI - reporting them as spam
    • Hello, After seeing all of the posts about BMW on here I really wish I hadn't even considered them! I bought a used car from them over the weekend, one specifically which had a reversing camera and cruise control in the advert. I was foolish at the time of purchase and didn't check to see these functions work on the test drive (totally my fault). Now that the car is home I've checked and checked and neither of these functions are available. I even checked on Parkers and it seems that no Skoda Kamiq '21 models come with any parking cameras at all. When buying the car, I was told all that was needed was 'Four signatures and £500' to secure it. I was never shown any of the documents, and instead the sales rep opened a box on his iPad and asked me to sign. He had been complaining about the length of time some customers take these days all throughout my time with him. (Again) foolishly I signed. In my email inbox I now have four attachments from BMW, one of which is my signature under a letter which basically says that the cars don't need to match the advertisements online, or have any of the features that a sales rep talks about. I realise that I've made mistakes in not doing my due diligence here, but thought I might as well ask the experts here if I have any rights left to claim that the car was miss-advertised, or if I unknowingly signed them away? Thanks in advance
    • where was this PCN:? please complete: pers i cant see the point in an sar yet await/if they ever send a letter of claim. as long as you've not moved since 2022 you are OK to totally ignore . dx  
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    • If you are buying a used car – you need to read this survival guide.
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    • 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.

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    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
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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.

      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.
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      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
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Welcome Finance - This company needs to be banned.


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Have just checked on my credit file related to Cabot dupliating defaults and guess what? Welcome have updated my file and added a few hundred to the ballance which now shows default ballance at £x ammount and amount outstanding at £x approx £175 more than previously shown this was updated Yesterday what are they up to.

 

jdene

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Hi all

 

Just on for a rant!!!!

 

Recived today!!

 

2 notice of default sums letters, both dated same, from May, both showing completely different crap, both with abbeyfield road address nottingham, both with completely different phonenumbers, neither one has a nottingham number on it..both numbers are 3 cities apart, neither number anywhere near to nottingham....

Also received today...call to OH work mobile...oh refused to speak, advised them in hands of solicitors, approximately 5 times before he hung up!!! Next call received on home landline...i was at work...one of my parents answered...they kept pressuring, for what time i would be home...Parent refused to tell them anything untill they told who they were!! they reluctantly said from L AND M??? This has cropped up on a thread recently somewhere..can anyone direct me to it??

Parent told them to ring back after a certain time....still waiting for that call again!!!

that annoyed with these morons, i could quite happily drive to the local office and throttle someone Quite happily!!!

 

POST, DESPERATELY NEED YOU TO LET ME KNOW WHAT YOU HAVE FOR ME..REGARDING THE LAST LAUGHABLE LETTER,,

THANKS

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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I got two today....Nott address but branch number

 

real number for Customer Relationship Centre is 0845 456 4877 but if they say you need someone in another dept it will be transfered to your branch.

 

not even the local office's number, DD... although i do know where one of them have come from..they both show local area codes, i wont loose any sleep over it though..they do make my blood boil the sheer mention of their name:x

 

DD, re your pm..its a bit of a waiting game im afraid, see what turns up in the cca/sar...give me a shout when you get them...remember cards close to chest 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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Nice one thanks Brassed Off they are being passed from pillar to post so you dont know where their latest local office is...... there will be half a dozen managers in a squat next..... sharing a polyester suit for house calls

 

Counting the days.... cheers

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brassed off

 

just doing the finishing touch

cant post it for obviouse reasons

 

 

cheers post, your a gem:-)

didnt expect you to post it up though...sorry for keep pecking your head,

 

 

Andi

 

Not spoke to you for a while!! have you been slinking off with Jezza???:p:lol::lol:

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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Nice one thanks Brassed Off they are being passed from pillar to post so you dont know where their latest local office is...... there will be half a dozen managers in a squat next..... sharing a polyester suit for house calls

 

Counting the days.... cheers

 

Yeah and i bet Mr P adds charges of £10 a borrow of his pri-marnis:lol::lol::lol:

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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Oh they're very careful not to missell...since June they've got all new employees on a 6 weeks compliance camp...we're FSA water-tight right now.

 

Some VERY intelligent people run this gaff, and they stick to the very letter of the law. One of the directors is responsible for compliance, and they monitor us like hawks for the slightest chance that we missell.

 

It's a very clever script.

 

I sleep very well at night on that basis. Remember, we only quote. The punters accept those quotes by their own free wills often signing credit agreements with clearly stated 80% aprs, and PPI's worth half of the loan amount itself. Bonkers? I'd say so....but there's the freewheeling "gimme now" society for you, coupled with the objection handling skills of salespeople. Tis merely a sad reflection of our sick credit obsessed society. Still we all have mouths to feed eh?

 

 

is this why some (6) directors are at the moment suspended and under investigations because theyre so smart and one wf member got sacked for embezzling money to feed their crack habit...yeah dead smart people work for welcome :lol:

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Hi , Im new to this site but have been looking at all the threads. Firstly i got a loan and was told ppi was a condition, cleared the first loan including ppi and life cover(didnt ask for it) with another loan,fought it and won , this has been going on since last may. I got a final responce from ombudsman upholding my complaint and was told i would be awarded all ppi payments plus intrest back but couldnt deal with life cover. Anyway the case was closed as of 06/05/09 and was told by welscum that i would have to wait till they review it and will deal with it in thier own time.I also got a car off them and they added all sorts of insurances to my finance which i cancled with a bit of hassle, went down to sign new paper work and was treated like an alien and surprise surprise they never gave me any paperwork for my records. and i have never had any statements of any kind since becoming a customer.finally ive looked at my cash loan agreement and it looks as if im being charged intrest on the fee as the fee was £75 and they are taking 36 payments of £3.16. Is there a valid case for me to with hold further payments Till PPI and everything else is dealt with properly? Thanks in advance

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Hi all

 

Just on for a rant!!!!

 

Recived today!!

 

2 notice of default sums letters, both dated same, from May, both showing completely different crap, both with abbeyfield road address nottingham, both with completely different phonenumbers, neither one has a nottingham number on it..both numbers are 3 cities apart, neither number anywhere near to nottingham....

Also received today...call to OH work mobile...oh refused to speak, advised them in hands of solicitors, approximately 5 times before he hung up!!! Next call received on home landline...i was at work...one of my parents answered...they kept pressuring, for what time i would be home...Parent refused to tell them anything untill they told who they were!! they reluctantly said from L AND M??? This has cropped up on a thread recently somewhere..can anyone direct me to it??

Parent told them to ring back after a certain time....still waiting for that call again!!!

that annoyed with these morons, i could quite happily drive to the local office and throttle someone Quite happily!!!

 

POST, DESPERATELY NEED YOU TO LET ME KNOW WHAT YOU HAVE FOR ME..REGARDING THE LAST LAUGHABLE LETTER,,

THANKS

B-O-2

 

 

Ha ha i got two as well... two different addresses.... someone tried to phone for me today... am off tomorrow so hope they try again.... will give em hell.

 

anyone able to confirm this... i heard that if you go through a broker, and are missold, that they and the broker are jointly and severaly liable. is this the case?

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Dadofholly

 

Correct

 

Most Welcome Lans Have Undisclosed Commission Payments

Geting Welcome Or Direct Group/norwich Union To Release Is Info Will Suicide

 

Two Caggers So Far In Court Have Got A Disclosure Order ,

Thats Great But Welcome Will With Draw The Claim Rather Than Addmit To It

 

It Will Cost Them Millions

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Dadofholly

 

Correct

 

Most Welcome Lans Have Undisclosed Commission Payments

Geting Welcome Or Direct Group/norwich Union To Release Is Info Will Suicide

 

Two Caggers So Far In Court Have Got A Disclosure Order ,

Thats Great But Welcome Will With Draw The Claim Rather Than Addmit To It

 

It Will Cost Them Millions

 

Thanks for that post... may start my own thread... have had enough of these shysters.... thinks its time for action.

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I am interested in what will happen to my loan when welcome/cattles are declared insolvent.

I see cattles is following the same path as "London Scottish Bank" which went bust i.e selling the invoice buisness when the end is nigh.

I dont see goverment owned RBS bailing them out, so whats the options.

If you had a loan when London Scottish Bank went bust i would like to hear from you.

Take Control

! Use excel to document all your income and outgoings !

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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

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