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    • Hi slick!    On 22 July they said they would refund me £74.07 Theres no DD in place as my membership was a once off payment in November last year.  Hi Dx,    I paid through PayPal last year as a one off payment. 
    • I'm trying to understand it all but I certainly tend to agree with my colleague @dx100uk that it looks as if you may have been taken for a ride. You found an advertisement for a bag on an online sales site. Instead of going through the established procedure of that site, which presumably allows them to recover a commission from the seller you started dealing directly with the seller who is an unknown person to you and of course that allowed the seller to avoid paying the commission. At whose suggestion was it that you went off-site? You then pay by PayPal but instead of logging it with PayPal as a payment for a purchased item, you tell PayPal that it was actually simply a gift or transaction between friends and family. This also allowed the seller to avoid paying a PayPal fee on the money. At whose suggestion was it that you paid in this way?       I don't say that you definitely have been scammed, but it doesn't look very good. This is how it might have happened: after you agreed to take the transaction off-site, so you lost the protection of the established system – and the seller avoided the commission and also avoided the sales site knowing that they had sold their item, you then agreed to pay the seller some money – but not for a purchase – simply as a gift. This has two consequences. Firstly, the seller avoids a PayPal fee and secondly, because PayPal has been misled as to the purpose of the payment, you lose the protection of PayPal if it turns out that you've been scammed or there is some other problem with the transaction. The seller then apparently sent you the parcel and they sent you pictures of a package with your address on it. Separately they sent you a Hermes tracking number – but there is no evidence that the package was actually posted to your address. The seller might simply have taken a picture with your address and sent that to you by way of reassurance – and then changed the label and posted the parcel to themselves but sent you a tracking number which is inaccessible to you and in respect of which you will be prevented from getting any information. All you've seen is a parcel with your address on it. All you've been given is a tracking number which satisfied you for a while until the parcel did not arrive and then when you started to make enquiries, you found that you were unable to access any details referring to the tracking number. Of course the tracking number says that the item was delivered – because maybe it was – but in that case it was delivered to the address on the parcel which might have been the seller's own address – or the address of a friend. I don't want to say that this is definitely how it happened, but it is a plausible scenario. Of course Hermes is an awful lot of parcels – but on the other hand I expect that most of the parcel is that going to Hermes hands are delivered successfully. We only get the bad stories on this forum. I can imagine that Hermes rate of successful deliveries is better than 97% because otherwise people wouldn't simply just hate them, they would go out of business.   We can help you bring a complaint against Hermes if you want. However, on the basis of what you say, the odds are stacked against you but it would be useful to try and find out the address which was associated with tracking number. As far as your apparent willingness to travel hundred and 50 miles to ask for your money back, don't bother. If you did actually go there, are you sure that the seller actually lives at the address that you have been given? What evidence do you have that? Of course if you found that the seller didn't reside at that address then it is slamdunk that you have been scammed. But then what are you going to do? You can try to inform the police but of course it won't get you anywhere. You can inform the sales website – but they will say that you brought it on yourself because you agreed to go off-site. You can inform PayPal – that they will say that because you sent the money which was calculated to avoid their fees, you have lost the protection. If you travelled the 150 miles and found that the seller did reside at that address, do you really think that they are going to hand your money over to you? If they are acting dishonestly then they will simply say that it is nothing to do with them, that they addressed it all correctly and they don't understand what has happened and that this is simply Hermes up to their old tricks. What are you going to do? You simply risk getting into a very nasty argument and depending on how bad it went, you might even find that the police are called and I'm afraid that they would be looking at you – not the seller. Maybe you can answer the questions that I've post above as to who it is who initiated the various ways of doing business.    
    • The legal campaign's going well then. The recount in Wisconsin gave Trump more votes but Biden even more, at a cost of $3m. And a donor to the organisation bringing the failed cases is suing to get his $2.5m back.   https://www.theguardian.com/us-news/2020/nov/28/joe-biden-gains-votes-in-wisconsin-county-after-trump-ordered-recount
    • Yes Unicorn feed tax again, can't sue the keeper for more than the Original Charge, so any additional Debt Collection fees aka the £60 they add is abuse,iof process as per HHJ Harvey at Lewes county Court What lookedinfroinfo is indicating is that the main signage on entry and dotted around is merely an " Invitation to Treat", not the offer, the Offer and Acceptance occurs at the payment machine, so wording there is key.
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Welcome Finance - This company needs to be banned.


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foresure i too today17-7-09 got a letter og fos stating i had been upheld for ppi from welcome and the letter is exactly the same,they will av to restructure my ongoing loan should i just keep paying my loan payments or stop until it is sorted may take 8 weeks :grin:

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Morning everyone,

 

If the Tories return to Government, they would get rid of the FSA and make the Bank of England more responsible.

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hi violet im no expert in this, dont let them restructure your loan if the ppi is incorrect the whole agreement is loo roll, wait until someone else like postggj comes along to give you advice on this tho, seems to be quiet at the mo in here

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Lolly1977,

I would start a complaint with welcome and if you don't get anywhere then go to the ombudsman. If they agreed to reduce payments then they should not default your credit rating as long as you pay what they agreed to.

 

Did they tell you reducing payments could affect your credit rating?

 

What fustrates me is that welcome will continue to manipulate the figures to look in a strong position than they are. What about a letter to Delloitte's or Freshfields asking them to explain why welcome continually change the amount of months to 37 from 36?

 

 

Thanks Eboy,

 

No they didn't tell me it would affect my credit rating, the thing is can they harrass me into paying the full amount when they have agreed a reduced amount?

 

Cheers

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hi all

 

all you people who have letters from the fos saying they have upheld your complaint, thats nothing new, the fos uphold all complaints against welcome.

 

now what should happen is that you get a new agreement minus the ppi element, then you minus your payments and an interest adjustment.

you sign and happy ever after.

 

THIS IS WELCOME WE ARE TALKING ABOUT.

 

what they will try and do is take off the ppi element from the loan, thats it.

so you are still stuffed with interest payments allready made.

 

any new agreement say to welcome

 

IME TAKING IT HOME FOR FEW DAYS TO GO OVER THEN I WILL RETURN TO THE OFFICE AND SIGN.

 

ONCE YOU HAVE SIGNED THE NEW AGREEMENT, WELCOME HAVE YOU

 

ALLWAYS COME BACK TO THE FORUM AND ASK ADVICE

 

never never resign with welcome, allways sit back and consider,

HOW IS WELCOME CONNING ME THIS TIME

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Hi post ggi

 

sending you some more info, i have my full hire purchase loan statement i think i can prove where the extra £200 has gone remember my account at 13,440 but all of a sudden it was at 13,640 on the agreement... Welcome £200 up right...

 

WRONG

 

when i actually looked at the agreement they are charging me 13,440 so where has the £200 gone

 

FEE DISBURSEMENT (AKA BROKERS COMMISSION PAYMENTS)... at £195.00

 

I'll post 2 secs

Edited by welcome finance warrior
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Hi post ggi

 

sending you some more info, i have my full hire purchase loan statement i think i can prove where the extra £200 has gone remember my account at 13,440 but all of a sudden it was at 13,640 on the agreement... Welcome £200 up right...

 

WRONG

 

when i actually looked at the agreement they are charging me 13,440 so where has the £200 gone

 

FEE DISBURSEMENT... at £195.00

 

I'll post 2 secs

 

Hi post here is the link what do you reckon

 

http://i614.photobucket.com/albums/tt225/welcomefinancewarrior/welscumagreementcopy.jpg

 

my local branch were more than happy to hand it over when i walked in and said i am prepared to make a settlement

 

MUPPETTS

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plus look at the random ad hoc fee...

 

has this been rolled onto the balance and subject to interest...

 

Is that allowed:D

 

isn't a fee a fee and not subject to interest, furthermore nobody ever discussed with me an ad hoc fee...

 

...oooopppss how silly of me, what a silly billy nobody told me about insurances either...

 

Oh well

 

Can some one please give me some advice on how to proceed...

 

I would very much enjoy hitting them hard and fast with maximum impact in terms of financial damage and reputation (whats left of it)

 

Please advise

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The Add Hoc Fee And The Fee Dissbursment Are Broker Fees

Prob To The Garage And Direct Group Ref Ppi

 

You Need To Be Demanding What That Add Hoc Fee Is FoR

Just Saying Add Hoc Is Not Good Enough

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Mind you

 

I'm starting to worry now because the acceptance fee on my actual agreement is £195.00

 

and the "fee disbersmemnt" on the High puchase statement is at £195.00 could they arge that i had written notification by virtue of the fact that it is on the agreement or is the accpetance fee on the credit agreement something else

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My current position (thanks to you post and the forum as a whole)

 

SAR'd every M.F:D (garage, wf, nu, dg)

CCA requested WF

Have v.T the agreement but they say i still have to pay £1700 for outstanding insurances (originally) since my SAR request this has strangey dropped down to around £1000. I cancelled my DD and put the account into dispute. (cheeck barsturads then said thewy would default me for the insurances i didnt know about and had to keep the agreement open...i haven't:D

 

Went to hand the car over but have knocked back the garage that was coming to collect it after he guarenteed that RAC would not inspect car at auction (they dont come out now to the home) but when i phoned welcome they said it gets examined at auction...yea right...screw that)

 

went to see the car garage and after some few heated exchanges i think i might be able to get them to play ball re the commission issue, will be able to confirm this monday when

 

"the boss is back off his holiday"

 

...but honestly i expect the run around...

 

Can i nail them in court is my big question

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The Commission Payments Are A Welcome Maze

They Have Been Very Clever In Hiding It In The Figures

 

Ill Ssend You A Full Break Down Tonight By Pm For Obviouse Reasons

 

This Will Be Quite Easy To Challange,

I Can Accept An Honest Mistake But I See It To Often On These Agreements

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Postggj,

Will Welcome have to accept rewriting the loan minus what payments have been made and the ppi. Will charges be refunded?

 

ps Did you get a chance look at my agreements and latest statement. Am I right in thinking that because the loan amount on the contract doesn't have £75 acceptance fee on it but the £75 is added to the balance thus accruing interest. Does this make the agreement invalid.

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WFW you have wisely removed your name and address from the agreement but left the vehicle registration number showing - it might be wise to remove that too - I have removed the link in the meantime

Steven

 

Using CAG Toolbar will generate much needed income - Download Here

 

Confused by Simple Interest? Confounded by Compound Interest? Read my Interest Tutorial

My Wins

 GE Money Won unconditionally May 2007

NatWest Won unconditionally August 2007

Brighthouse Won unconditionally August 2007

Goldfish Won unconditionally April 2008 (including CI on the basis of Sempra)

Clydesdale Financial Services (now BPF) Won unconditionally February 2008

 

Any opinions are without prejudice & without liability. Do not take any legal action on my advice alone. Almost everything I know concerning the law I learned from this site.

 

Please note, I will not give advice by PM. Please send a link to your thread and I will do my best to answer there.

 

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Hi Guys,

 

I really am getting to the end of my tether with this bunch of [edit].

 

Some smoothie left a message for me to call him today.

 

THEY NEVER ANSWER MY LETTERS so I am going to put all my correspondence in the hands of the CAB as all these so called financial organisations such as the FSA and Financial Ombudsman are rubbish.

 

I am so glad that I have everything in writing.

 

Voda

Edited by steven4064
potentially libellous comment removed
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hi violet im no expert in this, dont let them restructure your loan if the ppi is incorrect the whole agreement is loo roll, wait until someone else like postggj comes along to give you advice on this tho, seems to be quiet at the mo in here

 

BUT if you do don't forget to add contractual compound interest (in the same way they do) to ALL of the PPI payments + interest you have made when you shouldn't In other-words capital & interest paid + further contractual compound interest on top

 

Remember they have deprived you of that money in much the same way as the banks have with their penalty charges AND whereas the banks are arguing entitlement Welcome can't do the same. There is NO right for them to profit from mis selling AND you can use the same method to calculate it as we have for bank charges ............Should come to a tidy sum;)

Edited by JonCris
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