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    • They have defended the claim by saying that the job was of unsatisfactory standard and they had to call another carpenter to remedy. My husband has text messages about them losing the keys a second time and also an email. What do they hope to achieve??? Most importantly,  as far as I have seen online, now I need to wait for paperwork from the court, correct?
    • The Notice to Hirer does not comply with the protection of Freedoms Act 2012 Schedule  4 . This is before I ask if Europarks have sent you a copy of the PCN they sent to Arval along with a copy of the hire agreement et. if they haven't done that either you are totally in the clear and have nothing to worry about and nothing to pay. The PCN they have sent you is supposed to be paid by you according to the Act within 21 days. The chucklebuts have stated 28 days which is the time that motorists have to pay. Such a basic and simple thing . The Act came out in 2012 and still they cannot get it right which is very good news for you. Sadly there is no point in telling them- they won't accept it because they lose their chance to make any money out of you. they are hoping that by writing to you demanding money plus sending in their  unregulated debt collectors and sixth rate solicitors that you might be so frightened as to pay them money so that you can sleep at night. Don't be surprised if some of their letters are done in coloured crayons-that's the sort of  level of people you will be dealing with. Makes great bedding for the rabbits though. Euro tend not to be that litigious but while you can safely ignore the debt collectors just keep an eye out for a possible Letter of Claim. They are pretty rare but musn't be ignored. Let us know so that you can send a suitably snotty letter to them showing that you are not afraid of them and are happy to go to Court as you like winning.  
    • They did reply to my defence stating it would fail and enclosed copies of NOA, DN Term letter and account statements. All copies of T&C's that could be reconstructions and the IP address on there resolves to the town where MBNA offices are, not my location
    • Here are 7 of our top tips to help you connect with young people who have left school or otherwise disengaged.View the full article
    • My defence was standard no paperwork:   1.The Defendant contends that the particulars of claim are generic in nature. The Defendant accordingly sets out its case below and relies on CPR r 16.5 (3) in relation to any particular allegation to which a specific response has not been made. 2. Paragraph 1 is noted. The Defendant has had a contractual relationship with MBNA Limited in the past. The Defendant does not recognise the reference number provided by the claimant within its particulars and has sought verification from the claimant who is yet to comply with requests for further information. 3. Paragraph 2 is denied. The Defendant maintains that a default notice was never received. The Claimant is put to strict proof to that a default notice was issued by MBNA Limited and received by the Defendant. 4. Paragraph 3 is denied. The Defendant is unaware of any legal assignment or Notice of Assignment allegedly served from either the Claimant or MBNA Limited. 5. On the 02/01/2023 the Defendant requested information pertaining to this claim by way of a CCA 1974 Section 78 request. The claimant is yet to respond to this request. On the 19/05/2023 a CPR 31.14 request was sent to Kearns who is yet to respond. To date, 02/06/2023, no documentation has been received. The claimant remains in default of my section 78 request. 6. It is therefore denied with regards to the Defendant owing any monies to the Claimant, the Claimant has failed to provide any evidence of proof of assignment being sent/ agreement/ balance/ breach or termination requested by CPR 31.14, therefore the Claimant is put to strict proof to: (a) show how the Defendant entered into an agreement; and (b) show and evidence the nature of breach and service of a default notice pursuant to Section 87(1) CCA1974 (c) show how the claimant has reached the amount claimed for; and (d) show how the Claimant has the legal right, either under statute or equity to issue a claim; 7. As per Civil Procedure Rule 16.5(4), it is expected that the Claimant prove the allegation that the money is owed. 8. On the alternative, as the Claimant is an assignee of a debt, it is denied that the Claimant has the right to lay a claim due to contraventions of Section 136 of the Law of Property Act and Section 82A of the consumer credit Act 1974. 9. By reasons of the facts and matters set out above, it is denied that the Claimant is entitled to the relief claimed or any relief.
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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.
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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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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.

Another good publication is Bennion Credit Control Loose leaf volumes

 

The only problem with those publications is unless youre a legal professional or very rich you wont be able to afford them, Goode Consumer Credit law and Practice set me back over £900 on its own

 

but they are very good reads

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Sounds like trouble is brewing for Welcome?

 

Can you let us know anything else post? Im about to start a claim against them for financial irregularities. Is it still worth me going ahead?

 

What is the timeline on whatever is afoot?

 

Regards

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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 PT

 

I thought if they had the little disclaimer paragraph on the CCA that say "interest is charged on the total amount of credit outstanding and the acceptance fee" blah blah blah then this was legitimate - that is the response I had when I raised this months ago??

 

Could you clarify

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Sounds like trouble is brewing for Welcome?

 

Can you let us know anything else post? Im about to start a claim against them for financial irregularities. Is it still worth me going ahead?

 

What is the timeline on whatever is afoot?

 

Regards

 

My advice - get your claim in ASAP - once it's in the system thats fine - but if we pull this off there will be a stampede and you don't wanna get caught in that :)

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The best outcome from my claim would be for them to write off my debt and i never hear from them ever again, im not looking for any kind of payout.

 

Andie, i have heard you say Welcome will survive. Is this still the case or has something new come up?

 

I understand you have to keep some things quiet though. :)

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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

 

Yes, my case, there is an acceptance fee of £75 on a loan term of 36 months.

 

On the statement of price the breakdown for the acceptance fee is £3.44 per month - over 36 months this totals £123.84.

 

Is this the kind of thing you refer to?

 

Thanks :)

Dipply75

 

I am in no way a legal advisor and only speak from my own experiences and the helpful advice of those in the same boat! :p

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Can someone confirm th address for the compliance dept at welcome please need to get SAR off for my daughter in law only just found out she been having hell with these for months why dont kids tell us when they struggle?

jdene

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Was looking at the info for Welcomes and Lewis Debt Recovery's comsumer credit licences and there is a list of Officer involved in running the companies.

 

There are 2 Right Honourables listed! At least one of these guys had a seat in the House of Lords!

Dipply75

 

I am in no way a legal advisor and only speak from my own experiences and the helpful advice of those in the same boat! :p

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thanks postggj guess I start again with them then, it takes the fun out of it when you know the wording on thier letters before you recieve them hehehe

at least My daughter in law is more relaxed now she has had a read on here.

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I have recieved my yearly statement from them this morning, I have never had one before and they have down as one of the charges court fee £25 at the end of May I have no idea about this had no notification from any court regarding them? any ideas

jdene

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seems another phantom charge

 

give them a call and demand to know what that charge is for

 

25 quid is a personel visit charge

 

keep it simple on the phone as the can talk the hind legs off a donkey

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Well I just asked the question what is the £25 court fee for and was told he had to ask my account manager then put on some terrible music and left me lol so sad they cant even afford a decent tune on the phones now.

jdene

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I have a question , I have asked it on a differnet thread but didnt really get an answer.

 

I had an original agreement with welcome finance and they re did it when i cancelled ppi.

 

when the worked out new agreement they re did the calculation and i am not sure its right

 

2995

then they added the interest

then they took off the payments i had already made

 

surely they are charging me interest for money I have already paid ?

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If thats how they worked it out then yes they have charged you interest on what has been paid, you should have only been charged interest on the ballance outstanding after the payments had been deducted, they are very good at manipulating things in thier favour.

you may be better starting your own thread and see what can be done to put things right you will get plenty of help from the people on here.

jdene

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If thats how they worked it out then yes they have charged you interest on what has been paid, you should have only been charged interest on the ballance outstanding after the payments had been deducted, they are very good at manipulating things in thier favour.

you may be better starting your own thread and see what can be done to put things right you will get plenty of help from the people on here.

jdene

 

I even have a statement from them , detailing all the payments comming off the day after i took out the new agreement.

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yes Darwin - you've been done.....

 

You are paying interest on something you do not have!!

 

ok what course of action do i take bearing in mind i am still paying £130 ish per month , a lot appears to be interest on money i dont actaully owe

 

the other problem i have found is they started it again form 36 months instead of the 29 months that was left

 

can any point me to the account in dispute letter please and what can I actually take them to small claims for ?

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I have a question , I have asked it on a differnet thread but didnt really get an answer.

 

I had an original agreement with welcome finance and they re did it when i cancelled ppi.

 

when the worked out new agreement they re did the calculation and i am not sure its right

 

2995

then they added the interest

then they took off the payments i had already made

 

surely they are charging me interest for money I have already paid ?

 

This is interesting as i had a new agreement made last year after them admitting a misselling on a credit agreement... it left me owing just £300. But should i have owed anything at all?

 

Also, as an after thought, as i was missold the ppi on the original agreement... would this not invalidate that agreement?

 

I am already looking at one interesting claim against them... if i had the possibility of two i would not like to disapoint :)

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Bit of an update.

 

Received an email from my adjudicator saying that it is being passed onto a more specialist team. I wonder what's going on.....

 

Sounds promising! How long ago did you pass yours onto the FOS?

Dipply75

 

I am in no way a legal advisor and only speak from my own experiences and the helpful advice of those in the same boat! :p

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