Jump to content


  • Tweets

  • Posts

    • DN is ok DCA NOA is ok, though not one from Newday saying they've sold it. agreement states esigned on a sunday at 11am?? really??  but no typed names or tick box nor any IP address used. if the date is correct then poss ok, it that your correct address for that time of take out? but if not, then that could simply be a copy of someone elses they've used with you details copy'n'pasted over theirs. the agreement details separate T&C's in at least 8.4. a full set of T&C containing your correct address for the time MUST be included. failure renders the agreement unenforceable... have you the T&C's too? dx
    • Npower and Scottish Power and others have always had regulations that require them to treat customers fairly - the threads here and my experiences demonstrate that those regs are little more than useless.   Even Octopus recently spent month after month saying they needed to increase my monthly payments despite my credit balance slowly going up TWICE I had to reset it online back to prior payment as they unilaterally increased it unilaterally. Raised formal complaint and they than said i was paying too much and reduced the payment, again without my agreement, although that time at least they told me they were doing it.   .. and Octopus has been one of the better ones.    
    • Thank you. You left all your personal details showing on the invoice, but I've removed them. From Googling it seems the free parking is limited to one hour.  You stayed two.  There is no point appealing, you did overstay.  That's apart from the fact the private parking companies are just interested in £££££ and never accept appeals. We have other Iceland cases, Iceland as a company refuse to have these invoices cancelled. So it's up to you. Pay £51 and the matter goes away. Or refuse to pay.  Horizon very rarely do court.  We would support you all the way. 
    • 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
  • 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 4546 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

I wonder how much WF will 'Charge' us for sending out these letters informing us of the branch closures!:rolleyes:

 

 

haha i got a letter saying we are charging you £10 for the cost of sending you this letter and they posted it with a 2nd class stamp so tempted to pay them 30p ish or whatever a 2nd class stamp costs!

Link to post
Share on other sites

i bought car from yes car credit in 2003 had to refinance twice since then started off owing them 12 grand 6 years on and we still owe them like 10 grand after paying 260 a month for years. they have lowered the payments after refinancing but because theren is arrears on the account all the money we pay them just goes on phone call charges and letters (which we dont get) and something called capitalisation wotever that is.

the car is only worth like 1 thousand now (if that) 5 kids in it have taken its toll lol. The welcome branch never has the same staff more than a few weeks so we never get same info. Im thinkin of offering them 500 quid settlement coz thats all they would get for it at auction. do you think they will accept this lol. Over 6 years we have probably paid for the car twice over and im getting fed up payin for something that isnt bringing the bill down at all. The guy who deals with our account calls us daily and visits our home asking if we want to surrender the car but i dont see why we should. we could have bought a porsche with the amouint of cash they have had off us. I HATE THEM. We should have made car payment last friday but we told the guy we were skint so he has to wait till next week, he said the payment has to be on the account before the last day of every month or he doesnt get his commission, boo hoo i ran to get a tissue to dry my eyes, how sah hee hee xx love this thread u are all bloody brilliant xxxxxxx

Link to post
Share on other sites

Hi,hope you are all well. Would like a wee bit of advice please. Have written to head office requesting under s77 of the Consumer Credt Act, a copy of my the agreement, did this beginning of August`09.The reply in writing on 11th August `09 I received from head office,I quote was as follows."At the current time,we are only able to partially fulfil your request and are not able to provide you with a copy ot your agreement. We appreciate that we should be providing a copy of your agreement,I do apologise that we have not been ableto fulfil this request." I phoned head office and asked for an expalation regarding this issue and they told me that i must have written to the wrong office,even though the number i called was the number on the letter that they had just sent me. She told me that it would not be a problem and i would receive my agreement as requested within 5 working days from our telephone conversation which was 31 August`09. I am still awaiting my agreement to date! I have not made any payment tothis company in 3months now.

Link to post
Share on other sites

Made A Few Phone Calls

 

Sorry Mr P

No Hints On That One

 

The Prob Cattles Have Is The Only Part Of The Empire That Made Any Money Was

 

Cattles Invoice Finance

 

Now That Is Gone , Cattles Are Making A Loss, Every Day

 

Forget D4equity

 

They Have No Equity

 

Whats Happening Is The Auditors Are In Big Trouble When Cattles Goes Tits Up

 

The Bond Holders Will Have A Claim On The Auditors

Link to post
Share on other sites

hi postgg can i say i have been reading your posts for a long time and have to say you are fab. can i ask do you think i should give up my car or hang it out in the hope of the welscum going down. i posted my situation a few minutes ago, bought car from yes car credit 6 yrs ago finance is with welscum. car is worth next to nothing now yet still 10 grand owed on it after all these years. not sure wot to do. any advice hun? thanx xxxxxxxxxxxxxxx

Link to post
Share on other sites

lady golfer i think your partner is right coz thats how we owe 10 grand after 6 years of paying them thousands coz of late payments. we borrowed 12 grand so it shows how they stitch u up if u r late payin. im at a point where i dont give a s..t anymore coz my car is almost looking like the flintstones car now lol xx

Link to post
Share on other sites

ps. hope the guests on here are from welscummy finance coz iv got great news. jobsearch are advertising for volunteers to pick up dog poop from local streets. just a thought, coz dirty jobs are your thing arent they hahahahahaha.

as they are unable to give me a copy of my agreement do they actually have my agreement surely if not then it all becomes nil and void?

Link to post
Share on other sites

as they are unable to give me a copy of my agreement do they actually have my agreement surely if not then it all becomes nil and void?

 

 

No agreement = unenforceable agreement = no agreement......

 

You can send the account in dispute letter now and legally withold payments until they remedy their breach

Link to post
Share on other sites

hey eveyone - really busy at the moment so not having time to spend on here like I used to but just wanted some clarification on something that is in the back of my mind....

 

How long til the LSE kicks Cattles off permanantly for non-production of accounts and de-listed shares??

 

Is it 6 months?

Link to post
Share on other sites

LADY GOLFER

 

SEND THIS WITH A £1 POSTEL ORDER AND REMEMBER, RECORDED DELIEVERY

 

http://www.consumerforums.com/resources/templates-library/86-debt-collectors/581-cca-request-letter

 

SEND TO

 

WELCOME FINANCIAL SERVICES

COMPLIANCE

RUDDINGTON FIELDS BUSINESS PARK

RUDDINGTON

NOTTINGHAM

NG11 6NZ

 

THEY HAVE 12 PLUS 2 DAYS TO SEND YOUR AGREEMENT

 

NO AGREEMENT

NO DEBT

Link to post
Share on other sites

style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 4546 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...