Jump to content

  • Tweets

  • Posts

    • Mr Lee helped to grow his father's small trading business into a global industrial powerhouse. View the full article
    • So here's a thought:   The average age of someone dying of Covid-19 is 82.4.   The average life expectancy is less, at 81.4.   The rest of the population is making huge sacrifices to save people who, on average, would have been dead anyway.   I wonder what the total of life-years saved by all the restrictions we've had on us since the pandemic started is? Probably not many.
    • Hi Thankyou for your response    yes it is ! I sent of a SAR and within the comms Log Lloyds advised PRA  no CCA or paperwork available  .  hence account unenforceable.   The default is listed as PRA so does that mean it’s active ?  I can’t see a default for LLoyds on there.  I will follow your advice Thankyou 
    • i will guess this is:   a debt buyer dca cannot register a default notice    if the original creditor registered a default notice then get a copy of that  staple it to a letter to PRA and demand the account is removed from your credit file forthwith or a serious complaint will be registered with the ICO and financial compensation will be sought.   give them 14 days 
    • Freight industry body warns the lack of an agreement on tariffs could make things more expensive. View the full article
  • Our picks

    • Hermes lost parcel.. Read more at https://www.consumeractiongroup.co.uk/topic/422615-hermes-lost-parcel/
      • 49 replies
    • Oven repair. https://www.consumeractiongroup.co.uk/topic/427690-oven-repair/&do=findComment&comment=5073391
      • 49 replies
    • I came across this discussion recently and just wanted to give my experience of A Shade Greener that may help others regarding their boiler finance agreement.
       
      We had a 10yr  finance contract for a boiler fitted July 2015.
       
      After a summer of discontent with ASG I discovered that if you have paid HALF the agreement or more you can legally return the boiler to them at no cost to yourself. I've just returned mine the feeling is liberating.
       
      It all started mid summer during lockdown when they refused to service our boiler because we didn't have a loft ladder or flooring installed despite the fact AS installed the boiler. and had previosuly serviced it without issue for 4yrs. After consulting with an independent installer I was informed that if this was the case then ASG had breached building regulations,  this was duly reported to Gas Safe to investigate and even then ASG refused to accept blame and repeatedly said it was my problem. Anyway Gas Safe found them in breach of building regs and a compromise was reached.
       
      A month later and ASG attended to service our boiler but in the process left the boiler unusuable as it kept losing pressure not to mention they had damaged the filling loop in the process which they said was my responsibilty not theres and would charge me to repair, so generous of them! Soon after reporting the fault I got a letter stating it was time we arranged a powerflush on our heating system which they make you do after 5 years even though there's nothing in the contract that states this. Coincidence?
       
      After a few heated exchanges with ASG (pardon the pun) I decided to pull the plug and cancel our agreement.
       
      The boiler was removed and replaced by a reputable installer,  and the old boiler was returned to ASG thus ending our contract with them. What's mad is I saved in excess of £1000 in the long run and got a new boiler with a brand new 12yr warranty. 
       
      You only have to look at TrustPilot to get an idea of what this company is like.
       
        • Thanks
      • 3 replies
    • Dazza a few months ago I discovered a good friend of mine who had ten debts with cards and catalogues which he was slavishly paying off at detriment to his own family quality of life, and I mean hardship, not just absence of second holidays or flat screen TV's.
       
      I wrote to all his creditors asking for supporting documents and not one could provide any material that would allow them to enforce the debt.
       
      As a result he stopped paying and they have been unable to do anything, one even admitted it was unenforceable.
       
      If circumstances have got to the point where you are finding it unmanageable you must ask yourself why you feel the need to pay.  I guarantee you that these companies have built bad debt into their business model and no one over there is losing any sleep over your debt to them!  They will see you as a victim and cash cow and they will be reluctant to discuss final offers, only ways to keep you paying with threats of court action or seizing your assets if you have any.
       
      They are not your friends and you owe them no loyalty or moral duty, that must remain only for yourself and your family.
       
      If it was me I would send them all a CCA request.   I would bet that not one will provide the correct response and you can quite legally stop paying them until such time as they do provide a response.   Even when they do you should check back here as they mostly send dodgy photo copies or generic rubbish that has no connection with your supposed debt.
       
      The money you are paying them should, as far as you are able, be put to a savings account for yourself and as a means of paying of one of these fleecers should they ever manage to get to to the point of a successful court judgement.  After six years they will not be able to start court action and that money will then become yours.
       
      They will of course pursue you for the funds and pass your file around various departments of their business and out to third parties.
       
      Your response is that you should treat it as a hobby.  I have numerous files of correspondence each faithfully organised showing the various letters from different DCA;s , solicitors etc with a mix of threats, inducements and offers.   It is like my stamp collection and I show it to anyone who is interested!
        • Thanks
        • Like

Welcome Finance - This company needs to be banned.


Please note that this topic has not had any new posts for the last 3274 days.

If you are trying to post a different story then you should start your own new thread. Posting on this thread is likely to mean that you won't get the help and advice that you need.

If you are trying to post information which is relevant to the story in this thread then please flag it up to the site team and they will allow you to post.

Thank you

Recommended Posts

just checked my records with experian

 

my HP was taken out for 120months of £78.22 yet my report says over 121 months at £78

 

default notice says outstanding balance 8898.86, or 6243.27 if paid in full by the date of the notice. credit file says 6522

 

so what does this mean in terms of agreements etc

Link to post
Share on other sites
  • Replies 9.6k
  • Created
  • Last Reply

Top Posters In This Topic

Top Posters In This Topic

Posted Images

does anyone know if local branches are normally open on saturdays?

i thought mine was open mon - fri only but i noticed on saturday it was open, at first i was hoping maybe they were packing up! but thinknig about it, it could have been because it was 31st and they were trying to get some more money for month end?! dunno, just wishful thinking perhaps :)

Link to post
Share on other sites

hi there grumpymoo

as far as i know they dont open on the weelend but funny enough we were pestered via telephone saturday morning.

harassment letter has now been mailed.

regards:D

Link to post
Share on other sites

Hi there Edwi,

 

Have just sent my dispute letter off and am expecting lots of telephone calls very soon, can you please post harrassment letter at your earliest convenience so i have it ready to send.

 

Thanks

Link to post
Share on other sites

Hi, I'm new , wanted to start a new thread but not sure how ??

I need some help with welcome finance any info will help.

 

I purchased a car july 2006 the car was worth approx £6000. I was also sold ppi, earlier this year the gearbox went and I had to pay out £1000 to get it repaired. I am also struggling to make repayments. I just want out but the settlement figure is higher than what i owe. They are also saying I am behind on payments , I have only missed one , they say 4. I asked for a copy of my payments 3 months ago yet it never turned up. My ppi agreement doesn't even say how long it covers me for !!! Surely my mechanical brakedown cover should cover the gearbox but they say it's run out. Is there a way I can fight them , somewhere along the line it must be wrong. Please Help !!!

Link to post
Share on other sites

Hi Fraggle,

 

welcome to the forum, am assuming that the insurances were over 36 months but I bet the repayments were over 4 years or more.

 

This makes me think about the insurances & I would like to know the answer too.

 

If they get you to take insurance out on it you should be covered for the duration of the HP. We need a contract expert to answer this one but I am pretty sure there must be something in it. Surely they cant charge interest over 4 years if the cover expires after only 3.

 

Can anyone answer this question ?

Link to post
Share on other sites

hi dantripled

here is the harassment letter

regards

 

Your Street

Town

City

Postcode

 

 

DATE HERE

Company Name

Road

Town

City / County

Postcode

 

Re: Harassment by telephone

 

 

ACCOUNT NUMBER: XXXXXXX

 

Dear Sirs

 

I am writing in relation to the quantity and frequency of telephone calls that I have received from your company, which I deem to be personally harassing.

 

I have verbally requested that these stop, but I am still receiving calls. (Delete if necessary)

 

I now require all further correspondence from your company to be made in writing only.

 

I am of the view that your continued harassment of me by telephone puts you in breach of Section 40 of the Administration of Justice Act 1970, and the Protection from Harassment Act 1997.

 

If you continue to harass me by telephone, you will also be in breach of the Communications Act (2003) s.127 and I will report you to OFCOM, Trading Standards and The Office of Fair Trading, meaning that you will be liable to a substantial fine.

 

Be advised that any further telephone calls from your company will be recorded. (**Even if you don‘t yet have recording equipment!!**)

 

 

Yours faithfully,

 

 

 

[NAME HERE]

.

.

 

© Reclaim the Right Ltd.

.

.

.

 

************************* ***********************

 

This should do the trick, but, if it doesn't, keep your cool and report them to the Office of Fair Trading and your local trading standards office.

 

PLEASE REPORT ABUSE.

 

Remember, keep your cool at all times, don't be intimidated by a piece of plastic, if you don't like what you're listening to, put the phone down - and remember the most important thing of all is to put and get things in writing at all times.

 

Additionally, complain to OFCOM - How to complain | Ofcom

Link to post
Share on other sites
Hi Fraggle,

 

welcome to the forum, am assuming that the insurances were over 36 months but I bet the repayments were over 4 years or more.

 

This makes me think about the insurances & I would like to know the answer too.

 

If they get you to take insurance out on it you should be covered for the duration of the HP. We need a contract expert to answer this one but I am pretty sure there must be something in it. Surely they cant charge interest over 4 years if the cover expires after only 3.

 

Can anyone answer this question ?

dont know about anyone else mny original loan was for 4 years but insurances were only 2 years

also

my branch is open the last saturday of the month

Link to post
Share on other sites
dont know about anyone else mny original loan was for 4 years but insurances were only 2 years

also

my branch is open the last saturday of the month

 

 

Im currently trying to reclaim my insurance premiums paid + interest. My Mech Breakdown was for 24 months yet my agreement is for 48 months.

 

Plus they never sent me the insurance documents, so I requested them and using the "30 day cancellation from receipt of documents" clause in their agreement to cancel and reclaim everything I have paid for it.

 

Still awaiting a reply.

Link to post
Share on other sites

Hi, yes my agreement is for 4 years and cover was only for 2, I never recieved any documents, only the paper I took that day, I even had a panic on the day I bought the car, I got home and thought I hd made a mistake so rung them and tried to cancel the whole contract. I was told I had no cooling off period and it was final. Tha original contract was rubbish. It has all theese figuress on it and then the small print says for example only, I'm soo mad. Surely they can't charge interest for something that has expired. What should I do ? :evil:

Link to post
Share on other sites
hi there grumpymoo

as far as i know they dont open on the weelend but funny enough we were pestered via telephone saturday morning.

harassment letter has now been mailed.

regards:D

 

I had a visit at 8:30 in the morning a few Saturdays ago... my OH answered the door and told him I was in bed!

Link to post
Share on other sites

id like to say whilst you big heads been up your arse about how fantastic your own financial status is you seem to have forgot that its the likes of us muppets that keep you in your job in the first place, and your job isnt so great you sit in a ****ty office at a ****ty desk ripping people off all day, i would sooner flip burgers or clean bins if it meant i could sleep at night, but then again i have a conscions, unlike you, you would probably rip your own mother off if it meant getting a nice bonus at the end of the month.

Link to post
Share on other sites

Please note that this topic has not had any new posts for the last 3274 days.

If you are trying to post a different story then you should start your own new thread. Posting on this thread is likely to mean that you won't get the help and advice that you need.

If you are trying to post information which is relevant to the story in this thread then please flag it up to the site team and they will allow you to post.

Thank you

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...