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    • If you are buying a used car – you need to read this survival guide.
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    • 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 
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    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
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    • 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
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Welcome Finance - This company needs to be banned.


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I don't know the figures but up to this point very few people have challenged the legality of Welcome's agreements.

 

But thanks to this website, I think there might well be many.

 

yes but how many mortals have proved them invalid, half a dozen in twenty years
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I don't know the figures but up to this point very few people have challenged the legality of Welcome's agreements.

 

But thanks to this website, I think there might well be many.

 

 

and thanks to the input of everyone here and some brilliant work by post then no matter who is authorised to collect, if an agreemnet is unenforceable it cant be collected.

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Amen to that mojo8 and good to see your work on LSE ....:)

 

and thanks to the input of everyone here and some brilliant work by post then no matter who is authorised to collect, if an agreemnet is unenforceable it cant be collected.
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and thanks to the input of everyone here and some brilliant work by post then no matter who is authorised to collect, if an agreemnet is unenforceable it cant be collected.

 

All good points my friend.

 

Regarding a secured loan with welcome if the administrators are called in, they would have to buy out my main mortgage to reposses me, so,,,,,,,,,,

 

Is this within the remit of a administrator???????

Take Control

! Use excel to document all your income and outgoings !

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Hi Andie_303 and others.

 

Andie said that he/she would kindly have a look at my February 2008 Personal Loan Agreement and recent Personal Loan Statement for me and I uploaded details here via two attachments on March 12th via Post 659 - Page 33 of this thread.

 

See: http://www.consumeractiongroup.co.uk/forum/general-consumer-issues/109794-welcome-finance-33.html

 

It still has not been been approved by the Moderators so I have opened another Photobucket account.

 

Here are the links to these documents.

 

http://i653.photobucket.com/albums/uu257/Voda/DSC08253.jpg

 

http://i653.photobucket.com/albums/uu257/Voda/DSC08333-1.jpg

 

When you have chance Andie and anyone else who cares to have a look, I would be very grateful and please let me know what you think.

 

PS . According to the Statement, the amount of Credit Provided is £7114.63 which includes the £75 Acceptance Fee.

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Hi again

 

Thought I would add, last year when I decided to sell, when the property was worth something to clear my debts, with a DMP, Welcome were the only ones not to agree to anything dragging there clubs...er heels as per.

When I asked them twice for a settlement figure they sent nothing telling me to call them when the property sold, but they wanted to know the sale price, stupidly I told them, and armed with that info and my DMP figures I clarified how they worked out settlements, it thus in my case:

 

sale price - mortgage owed = our profit (oops settlement) approx £13,000 (on a £5000 loan of which I have paid, eh the £5000)

 

After they had these details they asked within pennies for the exact amount left after paying first mortgage, and only then did they give me a settlement in writing, a year previously the settlement I got from them based on me taking a loan with another company was half that incidently.

 

They obviously understand basic arithmetic only and not the whizz of mathematics that a lot of you guys do! I work as an art lecturer and find it hard to get decent crayons, maybe Welcome will be selling their supplies soon?

 

When I queried the settlement figure I was told, in writing and to paraphrase, that they have added all the interest I would have paid had the loan run it's course and the payments made in full.....hmmm

 

Loving Caggers work, really making what had been a traumatic experience, afflicting a lot of my life in recent years, a good and worthy experience, I can hold my head up high again and stop berating myself for being so bloody stupid getting involved with these cowboys. x

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Quote:

Originally Posted by 082stewie viewpost.gif

Ok I am getting good at this. Ive done this over about 6 times now and do not get the same numbers. Lets leave the insurance side of things for now and just look at charge for credit and good etc "agreement for goods"

 

 

 

Goods (A) £5995

Finance Charge (F+G) £2416

Sub Tot £8411

 

 

Less Dep (B) - £995

Less Accep fee (F) - £150

 

TOTAL IS £7266 (If they had done this legit)

 

Number of Monthly Repayments:48 @23% APRMonthly Loan Repayment (£):£224.53Total amount to repay (£):£10,777.53Total Interest charged (£):£3,511.53

 

 

Work that one out???

 

Loan & APR Calculator

 

 

 

i have just sat and worked out this agreement and it does add up ok. i would ask welcome to provide a copy of the needs and demands statement from when you took out the agreement to prove they actually qualified you for it.

 

Hi Mojo,

 

If you take the monthly installment and multiply by 48 yes it adds up. But dont look at the bottom line. Take charge for goods and credit, remove deposit and acceptance fee, then use the APR calculator. The numbers DO NOT add up at all.

I need to change my avatar..But cant find a good replacement.

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GOOD MORNING hope everyone slept well, today i recieved an email from welcome finance regarding account in dispute and this is the reply, think someone may of overslept a bit lol, but payout dept,??:eek:

I am out of the office until 11th March if you have any queries please contact th payout department at Willerby Hill

 

Thank You

 

Donna

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Quote:

Originally Posted by 082stewie viewpost.gif

Ok I am getting good at this. Ive done this over about 6 times now and do not get the same numbers. Lets leave the insurance side of things for now and just look at charge for credit and good etc "agreement for goods"

 

 

 

Goods (A) £5995

Finance Charge (F+G) £2416

Sub Tot £8411

 

 

Less Dep (B) - £995

Less Accep fee (F) - £150

 

TOTAL IS £7266 (If they had done this legit)

 

Number of Monthly Repayments:48 @23% APRMonthly Loan Repayment (£):£224.53Total amount to repay (£):£10,777.53Total Interest charged (£):£3,511.53

 

 

Work that one out???

 

Loan & APR Calculator

 

 

 

 

 

Hi Mojo,

 

If you take the monthly installment and multiply by 48 yes it adds up. But dont look at the bottom line. Take charge for goods and credit, remove deposit and acceptance fee, then use the APR calculator. The numbers DO NOT add up at all.

 

Morning ste=u, sorry you lost me as soon as you mentioned APR

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Morning postggj.

 

Phew at least you are safe and sound.

 

We were all getting worried about our experts whereabouts.

 

No news, I'm afraid.

 

morning all

 

any news

 

seems very quiet on all fronts

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morning all

 

any news

 

seems very quiet on all fronts

 

 

Morning Post everyone was getting worried about you all for a while! I posted the shortfall agreement for you last but I think it includes other stuff like my agreements

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Whoops,

 

Stewie has been kidnapped too ....;)

 

and they have taken his/her PC + calculator

 

 

Im here, just trying to catch up on two days work. I had a VERY long and interesting call from DG for the past 20 minutes.

 

I cant believe it, I am acctually getting to grips with the contract figures! Everything is hidden and you have to take note of the deductions listed.

 

They even move away from APR to Interest rate to confuse you!

 

Stewie

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I need to change my avatar..But cant find a good replacement.

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