Jump to content


  • Tweets

  • Posts

    • depends what the fees are, typically nothing can be added once judgement is passed bar litigation costs. on document retention time limits etc at least 6yrs previous must be held though many hold complete info. as for acronyms and abbreviations ideally yes they should     
    • Still have to submit a statement either system....if they fail they can only give verbal because they failed to file and serve.
    • OP stated they had been arrested, but not charged (let alone convicted). They DON'T have a criminal record, but do have an entry on the PNC. That information stays on the PNC (Police National Computer) for life, but doesn't get released in a standard DBS. It only MIGHT get released for an Enhanced DBS (eDBS) check  ... but it would be incredibly unlikely. (The rational behind this is that eDBS's allow for 'information at Chief Officer of Police's discretion' ..... this covers the 2 'barring lists' and is also intended for the scenario where someone has multiple arrests or investigations, where safeguarding is a concern .... it was brought in after the Soham murders / Ian Huntley case, where the information known about the now-convicted child murderer may have prevented his employment in a school, had it been made available). So, for the sake of accuracy and completeness, arrests stay on the PNC for life, wont appear in a standard DBS, MIGHT appear in an eDBS, but in reality, would be the exception rather than the norm, and I can't see them being released  to a defense barrister. What then if the defence found out a different way, and brought it up in court?. Again, unlikely, but the important feature is that the judge would make sure they trod very carefully!. They MIGHT consider using it if there were other factors that allowed them to try to cast doubts as to the truthfulness of your evidence, but on its own : No way. Anyone MIGHT be arrested (if a seemingly plausible complaint been made against them)! The approach to take if it did come up is to be truthful. "Yes, I was arrested. It arose from a vexatious complaint. I wasn't charged, let alone convicted. That could happen to any one of us, if a vexatious complaint gets made" Far better that than lying, saying you'd never been arrested, and getting caught in a lie : that would ruin your credibility. I'm incredibly doubtful it will even come up, though.
    • we dont get N157 because its new OCMC but no court dont have evidence either.   Just seems a bit of a pointless wait but oh well
  • 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

Well today I got my final attempt to pay letter.

 

They said they have written to me 3 times (local office?) They want me to contact them within 5 days, they will "listen sympathetically to any problem that I may have"

 

If they don't hear from me, they will consider LEGAL action, there letter is dated 8th May received today 13th May:confused:

 

Never mind they have not sent my reply to my CCA Request.

 

Balance differs from my Credit report to Letter Balance.

 

Ignored me, when I sent a letter for missold PPI?

 

They certainly will here from me!!

wow they must have a new "standard threatning letter"...thats inch perfect to the one i recieved friday !!!!:D

Link to post
Share on other sites

wow they must have a new "standard threatning letter"...thats inch perfect to the one i recieved friday !!!!:D

 

 

 

ME TOO!!!

 

Guys, you must be due the next letter, anyday now... through the letterbox...no envelope, just 2 staples in it!:eek:...go back to my posts from yesterday;-)

 

:wink: just give me the nod when you do!! i have something of great interest for you....:wink:

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

can anyone just clarify for my weary brain cell please....

 

Secured loans. Are mortgage indemnity fees legal ?

And just exactly what are they for?

Same goes for acceptance fees?

 

Thanks

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

Whens the next round in court then Andie ? Does that mean if they come crashing down then those of us who have pending PPI cases with them or with the FOS will not get a look in ? I have already had a part refund, but cannot understand why they just didnt give me the whole lot, instead of crediting my account with an ' insurance refund '....so annoying - approx £1100 quid, and my new ickkle babs thats on the way could do with it !! :)

Forsure

 

** One woman crusade against the rip off lenders ! **

Link to post
Share on other sites

Hey guys and gals, can someone have a look at my thread please. Iv just been sent a pre-contract information thing and i cant recall reading about anyone else recieving one so im not sure what to do with it.

 

http://www.consumeractiongroup.co.uk/forum/welcome-finance/196750-welcome-have-stolen-my-2.html

 

Thanks :)

Link to post
Share on other sites

hello all just a quick one to mull over my dispute with welcome is with the financial ombudsman and welcome are aware of this but recieved a letter today the ussual threats failure to redad this may result in legal proceedings you are served with a default notice etc. etc. so I rang the financial ombudsman a complained about them chasing while the account is in dispute and recording further defaults on my file and the lady said they can chase for payment if there is an amount outstanding? I did tell her about the CCA 1974 stating an account in dispute cannot be chased or defaults registered while the dispute is on going, she just said yes thats a bit of a sticky one who are these people suppoed to represent she is now sending them a letter telling them to stop any further action untill the outcome of thier investigation but apparently she can only ask not insist, so any thoughts have the watchdogs been told to go easy on them because thats the impression I have been left with.

Dene

Link to post
Share on other sites

Just looked at the default notice apparently my arrears are more than the ballance outstanding and they show no refund in the insurances section. this lot are realy running around like headless chickens

Link to post
Share on other sites

hello all just a quick one to mull over my dispute with welcome is with the financial ombudsman and welcome are aware of this but recieved a letter today the ussual threats failure to redad this may result in legal proceedings you are served with a default notice etc. etc. so I rang the financial ombudsman a complained about them chasing while the account is in dispute and recording further defaults on my file and the lady said they can chase for payment if there is an amount outstanding? I did tell her about the CCA 1974 stating an account in dispute cannot be chased or defaults registered while the dispute is on going, she just said yes thats a bit of a sticky one who are these people suppoed to represent she is now sending them a letter telling them to stop any further action untill the outcome of thier investigation but apparently she can only ask not insist, so any thoughts have the watchdogs been told to go easy on them because thats the impression I have been left with.

Dene

 

Hi Jdene - we have a complaint with the ombudsman also and we were told exactly the same thing as you with regards to them chasing us. I am sure they are not allowed to do this no matter what fos say and we have complained to office of fair trading. We are still waiting on a response :)

Link to post
Share on other sites

Hi Millymo I am going to send the details to the office of fair trading as well, and may get a complaint off to my MP maybe they can claim the costs on ther expenses for me lol, but as you said I am sre the CCA says they cannot chase or add charges to an account while it is in dispute have seen it on a number of forums

Link to post
Share on other sites

I wonder if it's because mine is with court and not FOS but I have had it confirmed that as soon as my letter in dispute was recieved by them a note went on my account saying that all charges and interest needs to be backdated to 10th March pending outcome of litigation.

Link to post
Share on other sites

Hi andy I never recieved any response from them after my dispute letter, they had agreed to make a deduction from the account for the miss-sold insurances if I restarted the repayments so I agreed made three payments then asked for the balance which showed no deduction and when I asked them about it they had no record of the agreement so I stoped payment and put it back into dispute and sent everything off to the Ombudsman, but you could be right they acknowledge the court proceedings but not the FOS complaint never mind what they do or dont do may be unimportant shortly if they go down the pan.

Link to post
Share on other sites

 

 

 

You think they'll finally get round to announcing the results this time..? the suspense is killing me lol!

Link to post
Share on other sites

for BO2 Click for Full Contents

 

What is mortgage indemnity insurance?

 

This is one of those sneaky

mortgage fees that goes by a whole raft of names.

 

You may hear it referred to as a mortgage indemnity guarantee (MIG), higher-lending fee or charge (HLC), additional security fee or mortgage advance premium.

 

In a nutshell, it's a form of insurance that you pay for but that actually benefits your lender.

 

It is designed to reimburse the lender if you borrow a high proportion of your property's value typically 90 per cent or more and can't keep up the repayments.

 

Roughly two-thirds of mortgage lenders will charge a mortgage indemnity premium for borrowing at this level.

 

How it works

 

If you fall badly behind with your repayments, your lender is perfectly entitled to evict you from your home and sell it.

 

Depending on the condition of the property or the prevailing market, it may end up selling for less than you owe on your mortgage.

 

It will then use the mortgage indemnity policy to make up the difference.

 

But that doesn't mean you're off the hook.

 

Chances are your lender will still come after you for the shortfall.

Link to post
Share on other sites

for BO2 Click for Full Contents

 

What is mortgage indemnity insurance?

 

This is one of those sneaky

mortgage fees that goes by a whole raft of names.

 

You may hear it referred to as a mortgage indemnity guarantee (MIG), higher-lending fee or charge (HLC), additional security fee or mortgage advance premium.

 

In a nutshell, it's a form of insurance that you pay for but that actually benefits your lender.

 

It is designed to reimburse the lender if you borrow a high proportion of your property's value typically

90 per cent or more and can't keep up the repayments.

 

Roughly two-thirds of

mortgage lenders will charge a mortgage indemnity premium for borrowing at this level.

 

How it works

 

If you fall badly behind with your repayments, your lender is perfectly entitled to evict you from your home and sell it.

 

Depending on the condition of the property or the prevailing market, it may end up selling for less than you owe on your mortgage.

 

It will then use the mortgage indemnity policy to make up the difference.

 

But that doesn't mean you're off the hook.

 

Chances are your lender will still come after you for the shortfall.

 

Thanks Bobbydog,

 

Its the property value thing that has me baffled, the 1st loan we took was only for £8k, so plenty of equity in property even after main mortgage with other ****** lender ?

 

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

Link to post
Share on other sites

Anyone had a call from Welcome on this number 01724 its humberside north lincolnshire, twice this week first time they rang the guy gave his name and said he was from L an B well thats what my partner thought, he rang today and said welcome, just wondered if anyone had any ideas, thanks.

Link to post
Share on other sites

MMmmmmmm

 

Strange Things are happening !!!

 

Phone call off Area Manager!!

 

Questions being asked about our paperwork!!

Must have been reading up on here!! Never once put the answer to that particular question in writing to them!!

 

Area Manager left his private number with OH, for me to call them back!!!

 

Someones flutter-valve is a fluttering!!! Brown stuff on target for fan...me thinks!!!

 

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

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...