Jump to content


  • Tweets

  • Posts

    • Yes, it was, but in practice we've found time after time that judges will not rule against PPCs solely on the lack of PP.  They should - but they don't.  We include illegal signage in WSs, but more as a tactic to show the PPC up as spvis rather than in the hope that the judge will act on that one point alone. But sue them for what?  They haven't really done much apart from sending you stupid letters. Breach of GDPR?  It could be argued they knew you had Supremacy of Contact but it's a a long shot. Trespass to your vehicle?  I know someone on the Parking Prankster blog did that but it's one case out of thousands. Surely best to defy them and put the onus on them to sue you.  Make them carry the risk.  And if they finally do - smash them. If you want, I suppose you could have a laugh at the MA's expense.  Tell them about the criminality they have endorsed and give them 24 hours to have your tickets cancelled and have the signs removed - otherwise you will contact the council to start enforcement for breach of planning permission.
    • Developing computer games can be wildly expensive so some hope that AI can cut the cost.View the full article
    • means nothing. just trying to kid people its going up some kind of chain. get reading a good few threads here each day. dx  
    • also do an OC2 https://www.consumeractiongroup.co.uk/topic/256744-welcome-secured-loan-sold-to-coast/?do=findComment&comment=4917128  
    • ok  from the infamous cruzhughes mammoth welcome thread i remembered. https://www.consumeractiongroup.co.uk/topic/394686-welcome-secured-loanscharge-sold-to-alphaprime-repo-received-claim-dismissed/?do=findComment&comment=5009109 prime credit 5 was a luvy co. along with alpha credit 5 their uk portal was thru prime credit,  loans were administered on their behalf by Acenden, Acenden are Part of the Kensington Group. ultimately these were mostly all sold to Coast  Prime_28th_Aug.pdf
  • 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 4559 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

Hi, I am also having trouble with Welcome - or not so Welcome - Finance! I was trawling the net for anything that would help and came across this forum. Now I too can add my views and warn all you people out there about this bunch of ********. I had a loan about five years ago with them, I then paid off a hugh chunk, just about £14,000 about 3.5 yrs ago, only to find just last week that that amount was "missing" and I have been charged interest and charges on the higher amount. They now say the money was there, they just "couldn't see it". I have tried to get info out of them by way of phone calls etc, but no one there seems to know anything, they say they can't access something that someone else has done & they won't give me any information. I am now about to hand it over to my solicitor and the OFT to deal with. Sounds dodgy to me!

Link to post
Share on other sites

hi all

 

just received this email back from N.U...

 

Dear XXXX

 

Thank you for your earlier e-mail regarding the policy as stated.

 

Your e-mail has come through to Aviva United Kingdom Direct Insurance, who are part of the Aviva group dealing directly with the public via the telephone

and internet. Aviva UKDI provide Motor, Home and Travel insurance policies direct to the consumer and do not use intermediaries or brokers.

 

On checking the details that you have supplied I can confirm that we do not deal with short fall insurance through the Direct side of the business.

 

As we operate independently from our parent company who use the broker system, I am afraid that we cannot access your policy or advise you on the terms

and conditions therein. I would therefore ask that you direct your query to the intermediary who arranged your policy.

 

If the above information does not help to resolve your query and you do not have the contact details for the company you require, you can either call the main

Aviva switchboard on 01603 622200 within normal office hours or write to:

 

Aviva,

PO Box 4,

Surrey Street,

Norwich.

NR1 3NG

 

Alternatively you may choose to fax them on: +44 (0)1603 683659

 

so who is my intermediatry the cronies down in nottingham i wager...are they qualified or regulated to deal with insurances. Surely they must be getting paid for the insurances?????? yeah right otherwise why would it have their name on the polices...

 

can anyone shed some light on this...anyway i off to use that number to get in touch with the mary celest aka dept 33...

 

will keep you all up to date

 

regards

Link to post
Share on other sites

according to Kim Bowling of aviva (switch board) in Norwich...

 

there is no dept. 33 and never has been...

 

He really seemed eager to pass me over to Deborah brown in aviva upon allegations of fraud and suprise suprise there was no one at the desk...

 

here is the number of the worthing office:

 

01903 273211...he remarked that it was really strange that there was no-one person on the system who's name he could give...

 

whats the chances no one picks up...

 

off to ring them now...

 

keep you all up dated...

Link to post
Share on other sites

it looks like were having some luck this morning...

 

switch board was empty when i rang and guess who answered...security...

 

a gentleman called Mathwew Jennings who has worked there eight years as secuirity has never heard of a dept 33...

 

hmmm

 

he gave me another number: central switchboard (how many switch boards do you need)

 

Number for "central switchboard" 01603 622200

 

will keep you updated

Link to post
Share on other sites

you can't even get through to a switch board in Worthing...

 

when you dial the above number(i gave on the last thread) goes to another switch board in Norwich Union and they pass you over to their subsidary within that group which is welcome finance who pass you over to welcome car finance (liquidated) who pass you over to compliance who don't answer.

 

great...

 

on top of that i checked with crc today and welcome have defaulted me for saturdays payment that i have evidenced i paid. what had actually happened is that my bank manager had rang me on monday morning to tell me welcome had tried to take two payments one on the 28th (saturday) one on the 29th sunday. Obviously i was able to recover the l;ast payment on a recall. CRC reckon they never received a payment at all over the weekend and has defaulted my accounbt even though i have evidence the direct debit went out...

 

hahahahhahahaha

 

another document for my solicitor...Keep up the good work welcome...

 

lol i feel like i'm playing one of those little hang men games at school...

 

keep up the good work welcome finance...

 

kind regards

Link to post
Share on other sites

Just had a letter from Welcome offering me a 50% reduction if i pay in a lump sum to clear my account, amazing since ive got a solicitor involved they've started playing ball, incredible how they can drop my balance from £5233 to £2616...they must be mega desperate !!!!

Link to post
Share on other sites

WOW SEVEN GUESTS

 

SOME THING IN THE AIR

 

TRY THIS FOR TOPIC OF DEBATED FOR TODAY

 

work for welcome and something has just happened that had caused a bit of a disturbance in branches.

Cattles normally renew there liability insurance every year but today they have renewed it for just 90 days?

If they were really confident why would they have done this? Why not just renew it for a year like normal?

I know it's only insurance but we all think that this is a clear indicator as to what might happen soon?

Link to post
Share on other sites

Arrived home to find 2 letters from welcome with charges applied. Phone to find out exactly what had been added to my account and it's £60 in charges. Phoned there call centre for this but they wouldn't let me make a complaint it was either being passed to branch or compliance. So I spoke to Compliance saying payment was withheld due to outstanding Sar fromthe 25th March and to tell the branch to stop hassling me. Basically welcome have screwed me so I guess what comes around goes around.

Link to post
Share on other sites

it looks like were having some luck this morning...

 

switch board was empty when i rang and guess who answered...security...

 

a gentleman called Mathwew Jennings who has worked there eight years as secuirity has never heard of a dept 33...

 

hmmm

 

he gave me another number: central switchboard (how many switch boards do you need)

 

Number for "central switchboard" 01603 622200

 

will keep you updated

 

if you read back through the thread, you will notice that all of this has been done and have all been given the runaround. You may have more luck reading through it and filtering out tye info you need, rather than wasting money and time calling them as the answers wil be exactly the same.....just rying to save you time and effort on these numpties

Link to post
Share on other sites

i have read the threads in detail...

 

took about 8 hrs...there's that much info by the time you see what stage every one is at you forgot the procedures...

 

i may just go back through and cut and paste all ther most important advice and then post it as current...

 

Why?

 

In the hope that as many unlucky so and so's who have dealt with welcome read the posts, react with legal force thereby giving welcome a kick in the koooners on there way down...

Link to post
Share on other sites

lets face it...

 

department 33 is a little crummy room within a room within a department that will have been set up as a direct response to this very issue...

 

the reason nobody within these disorganisations knows it exists is because they don't want anyone knowing about this dirty little affair...

 

I do hope welcome send me a fake (cut and paste) of my original agreement upon SAR...lol lets see them fake a fake document....

 

Message to welcome:

 

If (When) you decide to fake my agreement be sure to make sure that when you tick the boxes for mechanical breakdown insurance and shortfall that there exactly the same length as the ticked boxes some crony signed on my agreement...

 

I have my tape measure ready:razz:

 

i cant tell you his/her name because it just appears to be a few scribbles how convienent...

Link to post
Share on other sites

sorry to keep spamming up the forum but...

 

Just rand DG again, the general customer service staff don't even deal with "this policy" anymore...

 

thats funny... I only sent in my V.T on monday surely WF haven't contacted them this quickly...

 

...and besides according to welcome i am still bound for four years...very strange...I can't understand why "this policy" is any different to any other policy...can it be because i have SAR them...why would this make a difference...any reputable company would simply send out the information and deal with me in the normal manner confident that my agreement is water tight...surely...common sense prevailing...

 

Or could it be...

 

Message to WF/DG:

 

The bears claw has been caught in the cooky jar. Your a very clever little bear arn't you, maybe too clever...for your own good...

 

Just got to the bottom of how DG and WF could have signed me upto the agreement easrlier than the date that is signed...

 

The dealership that i went to for the vehicle already had my details because i had gone there to months earlier and signed up but right at the last minute had a bad feeling and cancelled the agreement. Upon checking with asaid companies i found that DG did have a record of the past agremement dated in may.

 

So i am now in a position where i have an insurance policy with DG/WF/NU or one of them or maybe none of them that started on the 28th but the agreemetn wasnt enetered into and signed until the 29th....

 

What a farce...

 

should have listenend to my instincts, shouldn't have gone back 2 months later...And i remember having detailed conversations with the car garage even popping in to make sure the car i wanted was still there...

 

reckon one of them has though "he's a definite" lets bang the insurance forms in now...( a day early) hence the fact that there were pre- ticked boxes...

 

I think I'm getting a little bit closer to the truth...what do you reckon welcome...

Link to post
Share on other sites

Hi All,

 

I've noticed from several posts, referring to 'Welcome' could soon be no more or seems a possibility reading between the lines. Can anyone elorabicate on this please or direct me to where I can read up.

 

Has previously mentioned I'm a Welcome customer, with a debt problem with them, that is spiralling out of my control.

Edited by Nosila
Link to post
Share on other sites

the agreement looks fine, but the gap has not been paid as a one off payment so you are paying interest on it. They are so thick that they have completely denied it on paper so i would suggest that you have them over a barrell.

To mis-sell insurance as you may well know is a serious breach of FSA regulations and has brought about many a huge fine or worse. Ill tell you exactly what has happened to you.... you went to the dealership and found a car to purchase, the salesman sat you down and discussed your financial situation to try and determine how good or bad your credit rating may be. He has then asked you realistically what you can afford per month and tried to be sincere about it, the reason he has done that is because the salesmen who work for these places are not certified by the FSA so are not permitted to offer finance or insurance. To get round this they have a business manager who is certified by the FSA and deals with finance and insurance. The salesman has scurried off into the seedy little office of the business manager and told him what you can afford he then in turn puts together a package that falls just short of what you can afford per month. He tells you that he has put together this great deal for you but reminds you that it was not easy but has mangaged to do it anyway. He trys to impress you you with the stature of the deal but also trys to confuse you so you think you understand it. It includes a warranty and gap and PPI.

He then gets you to sign the agreement but does not give you a copy of the deal or needs and demands and thats because he has not been through them with you. you drive away happy as you have a car within your budget but and the deal gets filed away, the salesman gets his commision for selling the car and the busines manager gets a whopping commision for the insurance and finance. they do this because of certain circumstances, its hard to obtain finace then it make us a bit vunerable to these practices. These salesman are the **** of the earth and not fit to line my cats litter tray.

 

I'd say that was a perfect assessment of my situation

Link to post
Share on other sites

just some thing to ponder on

 

this biz of only 90 days of insurance, thats 3 months

cattles shares have been suspended for 3 months

the stock market allows only 6 months for voluntry suspension before being ejected

 

3 plus 3 is six

 

the same amount of time on the stock exchange

 

i wonder

Link to post
Share on other sites

Just had a letter from Welcome offering me a 50% reduction if i pay in a lump sum to clear my account, amazing since ive got a solicitor involved they've started playing ball, incredible how they can drop my balance from £5233 to £2616...they must be mega desperate !!!!

 

Hi eeeezzzyy.

whats the sols response to that then...or are they stll wating fot the sar ???:D

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 4559 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...