Jump to content


  • Tweets

  • Posts

    • 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.
  • 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 4552 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

  • Replies 9.6k
  • Created
  • Last Reply

Top Posters In This Topic

Top Posters In This Topic

Posted Images

It says its the 8 working weeks they have to respond under some law. I dont have the letter with me. but it gives reference numbers as to Acts etc. I've wrote EVERYTHING on the crappy form that was attached, I've answered the questions, but I've also wrote CC:FOS in the top corner, my agreement number and other details in the other corner, in case they try to be cocky. Has anyone else received one of these 'you didnt give us enough info' letters?

Link to post
Share on other sites

No thats exactly what I thought. I was very careful when I filled out the form, I just told the truth....I was told I would have no loan unless I had the insurance, I didn't need health insurance etc, cos i get it with my job, and it was only after I realized I'd paid them about £5000 on £1000 loan with a £400 top up, I decided to complain. and it made matters worse when they told me I still owed them £1200

Link to post
Share on other sites

shame you didn't have an underlying health condition that would render the policy void and thet they didn't ask about it...but ho hum, can you prove your work health care insurance and that you had it at the time you took out the loan?

 

just covering all bases

Link to post
Share on other sites

hi people

 

ill be off the air for a ferw days, my computer, only 6 months old has gone bang.

at the moment ime in an internet caffe.

 

ill drop in when i can

 

message for andie/dipply

 

cant get any details on cattles from lse

keeps throwing me out

 

how are you at getting in

Link to post
Share on other sites

This bunch are EVIL.

 

DIE Welscum DIE.

 

Voda

 

Sent my letter off a few weeks ago now, the one saying, I know you've conned me into buying insurances I didnt want, yadda yadda yadda. I've had a letter back saying they acknowledge my complaint, but are unable to act yet as I didnt supply enough information (although I give them my agreement number, PPI policy number, date of agreement etc), and they've attached a sheet asking me to give them more info....'Where was I when I took out the PPI', 'What do I remember about the time that I took out the PPI', 'What was my employment status at the time', 'Why have I decided to complain now' etc etc. Is this normal from them? There is a little line at the bottom of the letter that say I have a week to respond, and that if I dont respond within a week, they can reset the 40 days, and add the time it takes me to respond too. I've filled it out, shall I just send it back recorded delivery?

 

HELP GUYS!!!

Link to post
Share on other sites

Hey Dipply - long time no speak.

 

You ok?

 

Hi Andie, getting there. Was wondering where you went to, hope you're ok :)

RBS taking up a lot of my time at the mo...start getting back on your feet and they want a fight :mad: It's gonna be one of those years!

 

Not long to go until round 3, how you feeling?

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

Link to post
Share on other sites

Sent my letter off a few weeks ago now, the one saying, I know you've conned me into buying insurances I didnt want, yadda yadda yadda. I've had a letter back saying they acknowledge my complaint, but are unable to act yet as I didnt supply enough information (although I give them my agreement number, PPI policy number, date of agreement etc), and they've attached a sheet asking me to give them more info....'Where was I when I took out the PPI', 'What do I remember about the time that I took out the PPI', 'What was my employment status at the time', 'Why have I decided to complain now' etc etc. Is this normal from them? There is a little line at the bottom of the letter that say I have a week to respond, and that if I dont respond within a week, they can reset the 40 days, and add the time it takes me to respond too. I've filled it out, shall I just send it back recorded delivery?

 

HELP GUYS!!!

 

What a load of BS - they cannot reset any 40 days - it is 8 weeks (or 40 working days) from the time they recieve the initial complaint - AND THEY KNOW IT.

 

It's up to you if you fill in the form (by the way does it ask you to sign it?? :confused: - if it does DONT!!) I'd be inclined to write a typed letter back saying something like....

 

Dear Morons,

 

I am in receipt of your letter dated XXXXX the contents of which are noted. I have provided you with the information you require to proceed with invesitgating my complaint including reference numbers, personal information and the reason for my reclaim.

 

As you already have this information there is no reason why you cannot investigate my complaint fully at this time.

 

As you received my complaint on XXXXXX you now have XX days remaining and I should receive a refund or final response no later than XX/XX/2009.

 

Should I not receive this by the above date I will without further hesitation refer this matter either to the Financial Ombudsman Service or County Court where you may be held liable for my costs.

Link to post
Share on other sites

Sent my letter off a few weeks ago now, the one saying, I know you've conned me into buying insurances I didnt want, yadda yadda yadda. I've had a letter back saying they acknowledge my complaint, but are unable to act yet as I didnt supply enough information (although I give them my agreement number, PPI policy number, date of agreement etc), and they've attached a sheet asking me to give them more info....'Where was I when I took out the PPI', 'What do I remember about the time that I took out the PPI', 'What was my employment status at the time', 'Why have I decided to complain now' etc etc. Is this normal from them? There is a little line at the bottom of the letter that say I have a week to respond, and that if I dont respond within a week, they can reset the 40 days, and add the time it takes me to respond too. I've filled it out, shall I just send it back recorded delivery?

 

HELP GUYS!!!

 

Ahh, this seems to be a new tactic by many of the banks etc. They basically ask you everything except the colour of your grannies underwear?

 

My friend got one for her Clydesdale claim and Alanalana (PPI warrior!) got one too. The letter I sent back says it would NOT be filled in as they were asking for info they should already have. It is clear they are looking for information they should already hold and only repeated why I was claiming it was missold.

 

The letter is on post 12 of my thread - feel free to use bits n bobs if it helps!

 

http://www.consumeractiongroup.co.uk/forum/payment-protection-insurance-ppi/209818-clydesdale-missold-ppi-something.html

 

They are at it ;)

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

Link to post
Share on other sites

Hi Andie, getting there. Was wondering where you went to, hope you're ok :)

RBS taking up a lot of my time at the mo...start getting back on your feet and they want a fight :mad: It's gonna be one of those years!

 

Not long to go until round 3, how you feeling?

 

tingling with excitement - lmao i'll PM you why - wouldn't want to tip my hat to the lovely watchers.

 

I'm having on of those months let alone one of those years - i've now broken my arm so am really bored as I can't drive.

I was thinking about putting in a PPI claim and when it's rejected because of my pre-existing it will be further proof to the lovely Nottingham judges :)

Link to post
Share on other sites

hi people

 

ill be off the air for a ferw days, my computer, only 6 months old has gone bang.

at the moment ime in an internet caffe.

 

ill drop in when i can

 

message for andie/dipply

 

cant get any details on cattles from lse

keeps throwing me out

 

how are you at getting in

 

Hi post

i had the same with LSE this morning....nothing...just thought it was me at first..it seems it has been taken off regarding CTT....I GET THE FEELING IT HAS ALL BEEN EMBARGOED!!! dont forget the agm is looming, as nothing for any press releases either....are they just going to sweep it all under the carpet and hope it all goes away and is forgotten???

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

Hi post

i had the same with LSE this morning....nothing...just thought it was me at first..it seems it has been taken off regarding CTT....I GET THE FEELING IT HAS ALL BEEN EMBARGOED!!! dont forget the agm is looming, as nothing for any press releases either....are they just going to sweep it all under the carpet and hope it all goes away and is forgotten???

 

yep same here - no press releases nothing on LSE.

 

Anyone can go to the AGM right?? broken arm, off work, nothing to do........:lol:

Link to post
Share on other sites

Thanks for the help guys, I wrote a very strongly worded letter, bits taken from Dipply's version. Something that has just come to mind....in the form they've sent, it says what do I remember about any literature I was given etc. I didnt leave the branch with my loan agreement, it was sent to me after I left, with a covering letter. Also on my carbon copies of the agreement, you can make out that someone has wrote the date across the little tick boxes for the PPI etc, but the date is the day after my agreement was signed?

 

Suggestions people? Is it normal for me to sign the agreement, not be given one straight away and then to have it mailed to me?

Link to post
Share on other sites

Cattles' board set to face angry investors - Yorkshire Post

 

11am in Leeds - hmmmmm wonder if I can get a baby sitter

 

Thats going to be a massacre :lol:

 

That reporter should be going too....do you think he's aware that the regulators are aware? Can he not get a statement from them n this? Reporters just seem to tell a bit of a story and leave it...get in there and investiagte mate, its bigger than you think!

 

You should go and ask the board publicly if the FSA and fraud squad have started an investigation, and see what reaction you get!

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

Link to post
Share on other sites

Thanks for the help guys, I wrote a very strongly worded letter, bits taken from Dipply's version. Something that has just come to mind....in the form they've sent, it says what do I remember about any literature I was given etc. I didnt leave the branch with my loan agreement, it was sent to me after I left, with a covering letter. Also on my carbon copies of the agreement, you can make out that someone has wrote the date across the little tick boxes for the PPI etc, but the date is the day after my agreement was signed?

 

Suggestions people? Is it normal for me to sign the agreement, not be given one straight away and then to have it mailed to me?

 

Hmm, was it a secured loan?

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

Link to post
Share on other sites

hi all,

 

is there a specific tempate that you can use to send to welcome to start a reclaim of missoln PPI please

 

and if so where...

 

Cheers

 

There are very basic ones in the template section but I may have one I used here....give us a mo.

 

Do you have a thread so we can follow and hopefully help?

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

Link to post
Share on other sites

I just read the letter I put together, and it is smoking! I might have to send it in an asbestos envelope, it'll definitely make some people concerned....does help I had some help from a friend of mine thats actually a qualified lawyer :o)

Link to post
Share on other sites

Hi

 

Have been an avid follower of this thread for a while now, my PPI claim is in with welscum at the moment and I too had one of those forms requesting info about the sale of the PPI and what do I remember and why am I now claiming blah blah blah. I responded the same day, they got it on the 3rd July 09 and I have heard nothing since, aprt from a letter daying oh we are still looking at it and will be in contact soon.(yeah right).

 

My question is if Cattles do go bust, even if they offer me 20p in the pound to settle my debt ( I borrowed £10K secured) I havent got the £2K i need to settle, so where would that leave me? and would my PPI claim be blown out of the water? I hope not hoping to use it to go on a nice holiday!

 

Any advice thoughts would be great Thanks

Link to post
Share on other sites

That's something I've wondering also, not sure where we stand yet!

 

Another question I have is, having paid over 1/3 of my car loan, if I were to get a refund of the PPI, which is front-loaded, I presume my total payments made against the car HP would be slashed, therefore dropping me below the 1/3 point and leaving me open to Welcomes dogs?

Link to post
Share on other sites

I believe the arguement is if someone buys the debt they buy the liabilites as well i.e. PPI claim however I believe there is a counter arguement that says if Welcome go into administration all claims go with it.

 

I have not as yet got a 100% answer - what I do know is Welcome have refused in writing to guarantee successful claims are paid!

Link to post
Share on other sites

style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 4552 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...