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    • Hi everyone, Apologies for bringing up the same topic regarding these individuals. I wish I had found this forum earlier, as I've seen very similar cases. However, I need your help in figuring out what to do next because we've involved our partners/resellers. I work as an IT Manager in a company outside of the UK. We acquired a license from a certified reseller (along with a support agreement) and also obtained training sessions from them. The issue arose when we needed to register two people for the training sessions, so we used an external laptop for the second user to keep up with the sessions for only a month. During this period, the laptop was solely used for the training sessions. After two weeks, my boss forwarded an email to me from Ms Vinces, stating that we are using illicit software from SolidWorks. Since this has never happened to me or anyone we know, I went into panic mode and had a meeting with her. During the meeting, we explained that we were using an external laptop solely for the training sessions and that the laptop had not been used within the company since her email. She informed us that for such cases, there are demos and special licenses (though our reseller did not mention these types of licenses when we made our initial purchase). She then mentioned that we had utilized products worth approximately €25k and presented us with two options: either pay the agreed value or acquire SolidWorks products. We expressed that the cost was too high, and our business couldn't support such expenses. I assured her that we would discuss the matter with the company board and get back to her. After the meeting, we contacted the company reseller from whom we purchased the license, explained the situation, and mentioned the use of an external laptop. They said they would speak to Maria and help mediate the situation. We hoped to significantly reduce the cost, perhaps to that of a 1-year professional license. Unfortunately, we were mistaken. The reseller mediated a value €2k less than what Maria had suggested (essentially, we would need to acquire two professional lifetime licenses and two years of support for a total of €23k). This amount is still beyond our means, but they insisted that the price was non-negotiable and wouldn't be reduced any further. The entire situation feels odd because she never provided us with addresses or other evidence (which I should have requested), and she's pressuring us to resolve the matter by the end of the month, with payment to be made through the reseller. This makes me feel as though the reseller is taking advantage of the situation to profit from it. Currently, we're trying to buy some time. We plan to meet with the reseller next week but are uncertain about how to proceed with them or whether we should respond to the mediator.
    • Thanks London  if I’ve read correctly the questionaire wants me to post his actual name on a public forum… is that correct.  I’ve only had a quick read so far
    • Plenty of success stories, also bear in mind not everyone updates the forum.  Overdale's want you to roll over and pay, without using your enshrined legal right to defend. make you wet yourself in fear that a solicitor will Take you to court, so you will pay up without question. Most people do just that,  but you are lucky that you have found this place and can help you put together a good defence. You should get reading on some other Capital One and Overdale's cases on the forum to get an idea of how it works.  
    • In both versions the three references to "your clients" near the end need to be changed to "you" or "your" as Alliance are not using solicitors, they have sent the LoC themselves. Personally I'd change "Dear ALLIANCE PARKING Litigation Dept" to "Dear Kev".  It would show you'd done your homework, looked up the company, and seen it's a pathetic one-man band rather than having any departments.  The PPCs love to pretend they have some official power and so you should be scared of them - showing you've sussed their sordid games and you're confident about fighting them undermines all this.  In fact that's the whole point of a snotty letter - to show you'd be big trouble for them if they did do court so better to drop you like a hot potato and go and pursue mugs who just give in instead. In the very, very, very, very unlikely case of Kev doing court, it'd be better that he didn't know in advance all the legal arguments you'd be using, so I'd heavily reduce the number of cards being played.
    • Thanx Londoneill get on to it this evening having a read around these forums I can’t seem to find many success stories using your methods. So how successful are these methods or am I just buying time for him  and a ccj will be inevitable in the end. Thanks another question is, will he have to appear at court..? I am not sure he has got it in him
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      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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Welcome Finance - This company needs to be banned.


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Direct Group administer all policies between Welcome and NU they are the middle men that like to cover their ears and eyes and say nothing to do with us all the time - neither DG or NU will help you - believe me I've been right to the top of both companies have letters from CEO's basically telling me to sod off!!

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Thanks for your time andie,

I will show this my son, he hasn't got money to pay them, out of work still, can't have what he hasn't got, and he very good at ignoring them, and so am i now. so if we claim ppi back and they ignore us, wont that be fun, seriously though, if they did start wanting money again, what could they actually do to get it other than go to court, and if they did take him to court, wouldn't this be a good thing, considering the state of sons paperwork. should we send an sar after claim for ppi? sorry to pester, wont ask anything else, btw I been looking in as guest, and intrigued with what might happen, but can wait!! always did like a good mystery, WHO DONE IT?...... WAS IT THE BUTLER LOL, NOT THIS TIME!!

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Bogeyed - if your son has PPI - has he tried to make a claim??

 

you say you're sons loan is for a car, how many months had he paid before he stopped paying??

 

You can complain to the OFT about Welcome coming to your house and phoning you, not only is it harrassment but they broke data protection by telling you about your sons debt and legally you can demand your payment back as it was taken using menance i.e. coming to your doorstep and demanding money off someone that did not owe it and you are not obliged to make any payment to them whatsoever.

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sorry bo2

 

received important info from fos and fsa

 

has direct bearing

 

give me 48 hours

 

its dynamite

i love keeping welcome in suspense

 

Hi Post

 

Can you pm this to me yet, please ?

Thankls

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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Dear All,

 

I have been reading your posts and can say if I were you I would not wait for the Financial Ombudsman Service to deal with your complaint. You could wait years and if you can wait that long then thats fine.

 

The FOS have too much on their plate and do not really give me any confidence. At least the courts will give you a fair hearing ..

 

If you feel you have a strong case take the buggers to court. The process is relatively simple as long as you have done your homework you will be fine.

 

PPI misselling is a huge problem and so uneneforceable credit agreements.

 

As Welcome Finance is concerned I agree with all the comments on here...

 

They do ignore you... Make an application under section 7 of the Data Protection Act and send this request by recorded delivery. If they fail to respond to you within 40 days. Send them a reminder and with a Notice of INTENDED COURT PROCEEDINGS . Tell them you will make an application to the court and if this application is successful, the costs associated with this application will be made against you.

 

Its surprising how many companies have breached the Data Protection Act 1998.

 

I agree in principle after all I went to court - however remember court is a one shot only deal - if you lose you cannot then got to FOS. They other way round can be done though - if FOS doesn't find in your favour you can still go to court.

 

Only if you are 100% sure would I advise court

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andie,

he didnt claim when came out of work because he had shortfall, or at least he thought he had at the time. He must have only paid a year, maybe less, before he stopped work, Just out of curiosity, if we did take welcome to court, how do you think it would go considering dodgey policy copy and ppi missold, or would the fact son stopped paying put a spanner in works. Thinking about it we must sar them coz if they have to make them up then they havnt got them to copy, what else havnt they got.

thanks, said i wasnt going to ask anything else, sorry.

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Hi Andi

 

Sorry i didn't reply to your PM sooner, i was busy laying down the law with a few emails to inEXPERIANced.;) ..You know how it is..it's becoming another daily task along with the Welscums.

 

Laters

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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eeeeezzzyy

 

Hows things coming along with your Sols ?? Any News (good i hope?)

 

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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Welcome have gone too far now.

 

Came home today to find a 'final demand' from Lewis Group. I'm not surprised Palmer didn't want to speak to me last week.

 

Email sent to Lewis, David Postings, my adjudicator and will be reporting to the OFT and TS tomorrow.

 

Really ****ed off now!:mad:

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ok people

ive struck gold from a very reliable source

 

What he did say was the Acceptance Fee is a charge for credit and can't have interest added to it !!!

 

seems welcomes nuts in the fire again

 

before we get to excited, need to get a second opinion,

contacting fos and fsa in the morning

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Welcome have gone too far now.

 

Came home today to find a 'final demand' from Lewis Group. I'm not surprised Palmer didn't want to speak to me last week.

 

Email sent to Lewis, David Postings, my adjudicator and will be reporting to the OFT and TS tomorrow.

 

Really ****ed off now!:mad:

 

Hi sol is your agreement to do with a car you got on HP.. via a broker? or am i getting you mixed up with someone else? (may have been sunnie)

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post,

 

What he did say was the Acceptance Fee is a charge for credit and can't have interest added to it !!!

 

is that any interest at all as some contracts show it can be added? and what's the next step for those who have had interest on it?

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thats for all agreements

 

acceptance fee is a charge for credit

 

welcome can put it on the agreements that acceptance fee aquires interest,

does not make it legal

 

ask your self

 

why has welcome started doing this

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thanks post,

 

the question is what do those being charged interest do next? and what ways can it be proven as in many contracts such as my OH its shown seperately but in a break down its shown as more than the expected amount is being paid a month...(let me guess a wlecome clerical error!!!)

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i would think a stiff letter to welcome compliance to begin with for an explanation

 

give me a few days to lay my hands on the correct legislation in black and white

 

you can throw that at them then

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ok people

ive struck gold from a very reliable source

 

What he did say was the Acceptance Fee is a charge for credit and can't have interest added to it !!!

 

seems welcomes nuts in the fire again

 

before we get to excited, need to get a second opinion,

contacting fos and fsa in the morning

 

I think they have tried to be too clever.....

 

They list the acceptance fee in a seperate box as a charge for credit - looks legit but as you all see they calculate interest and show that in the breakdown AND if you get a statement - they list the amount you borrow then ADD the acceptance fee THEN start calculating the interest.

 

So they are writing it right on the agreement, but just still doing it wrong behind the scenes.

 

Lookin forward to the FOS/FSA reply ;)

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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i would think a stiff letter to welcome compliance to begin with for an explanation

 

give me a few days to lay my hands on the correct legislation in black and white

 

you can throw that at them then

 

Be prepared for being spoken to like an idiot; you'll only get them highlighting the paragraph on your agreement stating they can add interest to the Acceptance Fee.

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