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Parcel delivery insurance is prohibited under section 57 – Consumer Rights Act – Read about It Here and in The Times. ×


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    • NK2020
      Caught shoplifting Sainsbury's but they also detained and kept M&S stolen goods

      By NK2020 · Posted

      That's correct you've understood it right thank you 
    • honeybee13
      Caught shoplifting Sainsbury's but they also detained and kept M&S stolen goods

      By honeybee13 · Posted

      Hello, welcome to CAG. I've moved your thread to our shoplifting forum for advice on this. I've also edited the title a bit, please let me know if I've misunderstood what you meant. Best, HB
    • Scottish bread
      Avantis dca

      By Scottish bread · Posted

      I received a letter this morning from advantis acting on behalf of HMRC for a tax credit overpayment.. I am going to call them on Monday to set up a payment plan but am worried sick it’s going to show up on my credit file.. does anyone know if it will show now that hmrc are using them? 
    • Alfy
      Ovo Energy Bill is way too high - faulty smart meter

      By Alfy · Posted

      I'm going to check the measurement units today as I feel this could well be happening otherwise I can't understand how the bill can be so high even when nobody there living sometimes. 
    • NK2020
      Caught shoplifting Sainsbury's but they also detained and kept M&S stolen goods

      By NK2020 · Posted

      Totally stupid mistake struggling with money with 2 young kids no excuses so I won't bother justifying  just feeling deep regret and absolute fear for what happens next. Sincere moments of madness opportunistic and absolutely stupid Caught shoplifting from sainburies by and shop lifting plain clothed detective (penut butter almond milk chia seeds and nuts ) I only took 3 to 4 items from sainbries listed above  First time I did it In saisburies i have never done it before   Was given a letter banning me took details but no photo taken  I also had on me food items from mns that the store detianed at the same time as they wouldn't let me leave without showing a receipt as they said I would have stole those too (they werent wrong) . I have been to mns a few times in the last month and done a similar thing always general food shop  So I left the sainbries store when he let me go and left all the goods there mns.and sainsburies and did not return.  M&s and sainsbries are on the same high street   Questions  Was not caught by m&s will sainsburies share my info and will m&s be in touch? Presume they can check cctv of the time sainsburies detained me and probably find it  No police called when at sainburies  Scared that mns will also ban me after the event  or worse check cctv and have my details and pass to police to investigate  I am mortified at what I've done the detective did not mention anything about further letters / police or anything more other than taking my details and giving me a banning letter  My fear is they have told MNS and now MNS will investigate aswell they may have their own footage etc...and go further than sainsburies did at that time  Mns goods was fruit veg chicken cheese basically all food items  Advise please what could I be facing 😭

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Parcel delivery insurance is prohibited under section 57 – Consumer Rights Act – Read about It Here and in The Times.

Welcome Finance - This company needs to be banned.

tightbum

By tightbum
in Welcome Finance

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JB9876

JB9876

Posted
Posted

Apologies guys but I have to say that very often I flick onto this site without signing in and so will be seen as a guest which I'm guessing a lot of people also do. That's not to say that Cattles/Welcome staff don't also come on here but they could come on as a registered user anyway. It just really frustrates me that sometimes it feels as though a priviledged few have access to information which could in fact help many others?

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postggj

postggj

Posted
Posted (edited)

hi jb9876

 

we know welcome are a regular on this thread, there are a few of us who go to the bare bones with welcome.

 

we are not keeping things to our self

 

when the time is right all info is posted

 

a few caggers have court claims for instance

 

certain info we wait for months and months, then it falls into our lap

 

we need clearence to post that sort of info

 

i myself have no dealings with welcome now

i do it for

 

REVENGE:-D

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andie_303

andie_303

Posted
Posted
Apologies guys but I have to say that very often I flick onto this site without signing in and so will be seen as a guest which I'm guessing a lot of people also do. That's not to say that Cattles/Welcome staff don't also come on here but they could come on as a registered user anyway. It just really frustrates me that sometimes it feels as though a priviledged few have access to information which could in fact help many others?

 

With all due respect I really hate it when people infer that we (including me) are being selfish. I do a lot of work on this forum and have helped a number of people especially with this company - however there are somethings that cannot be discussed on forum - whilst I appreciate so guests are legitimate I also KNOW that Welcome are on this thread regularly and therefore I chose what I want to put in public and what I don't and do not think I should be judged for that.

 

If I was I would take my information and help of forum completely sort out my own case and think screw everyone else - but I dont - I''m on her daily helping in a variety of manners and what goes on behind the scenes is generally for the greater good.

 

I'm sure you are aware of case law and precedents being set - some of us are in court and are about to set some and then Welcome will be coming down to earth with an almighty bang and everyone will be able to take advantage of this.

 

So perhaps people should have a little more patience.....

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pt2537

pt2537

Posted
Posted

just a small tip,

 

If you have a welcome loan agreement which has an acceptance fee on it, then get all the documents together and somewhere within it you will have a sheet which breaks down the payments. in that sheet it will say

 

 

Repayment £xxxx

Acceptance fee £4.05

PPI £40

 

Total monthly payment £216.60 for example

 

now if you take £4.05 and multiply it by the loan, in this case which i have its 180 months, you get the outcome of total acceptance fee payable £810 NOT £235

 

this is also sufficient to render the agreement UNENFORCEABLE

 

 

HTH

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Us versus Debt

Us versus Debt

Posted
Posted

Ok well DG have sent me a letter called Policy Schedule which was dated yesterday and addresses like a letter. It is trying to be a schedule of Insurance but not sure if it fits the bill and will be getting it checked out.

 

What I don't understand is why after DG and Welcome constantly insisting it is nothing to do with Welcome, yet it has Welcome's letterhead and name all over itand no mention of DG.

 

The way they add some figures in underneath relate to the car finance which any insurance broker would not need to include.

 

In my opinion a very poor effort Welcome.

Must Try Harder!!!!!

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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Voda

Voda

Posted
Posted

Hi HTH,

 

Excuse me if I am a bit thick on this but when I multiply £4.05 by 180, I make it £729.00 not £810.00 !!!

 

I am probably missing something anyway ...Duh :confused:

 

Take care

 

Voda

 

 

just a small tip,

 

If you have a welcome loan agreement which has an acceptance fee on it, then get all the documents together and somewhere within it you will have a sheet which breaks down the payments. in that sheet it will say

 

 

Repayment £xxxx

Acceptance fee £4.05

PPI £40

 

Total monthly payment £216.60 for example

 

now if you take £4.05 and multiply it by the loan, in this case which i have its 180 months, you get the outcome of total acceptance fee payable £810 NOT £235

 

this is also sufficient to render the agreement UNENFORCEABLE

 

 

HTH

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Voda

Voda

Posted
Posted

Hi Paul,

 

Many thanks for your answer.

 

I get it now, I think !!! ;)

 

Take care

 

Voda

 

HTH = Hope This Helps lol

 

but it was an example for illustration purposes only, i was merely pointing out that they are in error

 

Regards

 

Paul

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Millymo

Millymo

Posted
Posted
just a small tip,

 

If you have a welcome loan agreement which has an acceptance fee on it, then get all the documents together and somewhere within it you will have a sheet which breaks down the payments. in that sheet it will say

 

 

Repayment £xxxx

Acceptance fee £4.05

PPI £40

 

Total monthly payment £216.60 for example

 

now if you take £4.05 and multiply it by the loan, in this case which i have its 180 months, you get the outcome of total acceptance fee payable £810 NOT £235

 

this is also sufficient to render the agreement UNENFORCEABLE

 

 

HTH

 

Hi everyone - I have not posted for a while (I have been fighting a losing battle with HBOS to reclaim bank charges)

 

Our complaint is currently with the FOS regarding this acceptance fee business and our account still in dispute (even though Welcome says it isn't)

 

I just wanted let you know our final response from welcome on this stated that our agreement is enforceable as they have written on the agreement that interest will be charged on the outstanding daily balance and the acceptance fee. They also state that this is ok because it is no less prominent than the rest of the terms and conditions.

 

Now we have advised them that we will wait and see what FOS has to say before the dispute will be resolved as of course they are going to say their agreement is enforceable.

 

Do you think they a right or are we right to keep this in dispute?

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MarkieMark

MarkieMark

Posted
Posted

The old rules apply to agreements made prior to april 2007, therefore if PPI was not a condition for making the agreement then the agreement could be potentially unenforceable. Breaches in the execution of the Act.

 

Anyone wants a good read I would strongly recommend the following large binders............

 

I purchased the following books Encyclopedia of Consumer Credit Law by A G Guest & M G Lloyd ( Sweet & Maxwell) Volume 1&2

 

Also Consumer Credit Legislation by Goode Volume 1,2,3

 

I have been researching the consumer credit act for a while now and I cannot believe the number of credit agreements which could be rendered as being unenforceable.

 

I sometimes wonder why personal loans need to be on variable rates? is this because they increase the APR when someone dont pay up? mmmmm I wonder.

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Millymo

Millymo

Posted
Posted
Millymo

 

Welcome Can Put What It Likes On An Agreement

Does Not Make It Legal

 

Its All Smoke Screen And Mirrors Again

 

Keep It In Dispute Until You Get The Word From The Fos

 

Thanks Post - That is what we were thinking - I was kind of hoping Welcome would have disappeared by the time the FOS reached a decision. It might happen yet though - I guess we will find out in next few weeks :)

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jdene

jdene

Posted
Posted

Mine is with the FOS to be honest im not to hopefull of getting the result I want from them they seem to tread on egg shells around these companies will probably need to take it to court but wait a little longer for the FOS decision first

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