More Welcome Finance Problems

[sprockett]

bump

[postggj]

hi sprocket

 

sorry been away

 

had major computer problem again,

lost most of my data

 

can you send me a pm on the agreement or will send a pm with my email address

 

lets bring this to an end shall we

 

regards

[sprockett]

Hi Post - still have your email address will send an email to you now.

[postggj]

hi sproket

 

no attachments came through

 

send again

please

[sprockett]

done

[sprockett]

Post - do you have anything for me yet ?

[sprockett]

bump

[sprockett]

Hubby has a new bank card but the bank have said this may not stop WF taking the money without our consent same as they did this month - anyone any ideas on how to stop them ......

[postggj]

simple

 

tell your bank to put a stop on the old card

 

i had this with the payday loan saga

[sprockett]

should i put the accounts into dispute too ..?

[sprockett]

Can someone pleeeeaaasse help ...... !!!!!

[sprockett]

bump

[grumpymoo]

what does bump mean?

[sprockett]

It moves you back up to the top

[sprockett]

We've not heard anything from WF - no calls etc. But due to the state of the CCA's they sent us - unsigned, no car details, no name or address etc. I feel as though I should be writing to them - especially as its close to the time of the month when they'll be wanting a payment. Any ideas as to what to do next .......... anyone

[postggj]

having dinner at the mo

back in an hour

[postggj]

sproket

 

put a letter together and ill go over it

 

hats off to you that you understand this dispute

[sprockett]

Am I right in thinking that our CCA's are (and should have been) unenforceable - am I able to claim the money back because of this ?

[postggj]

forget about claming money back

they will argue

unjust enrichmant

 

claming back all payments through an ilegal repo is fine aswell as the insurance racket

[sprockett]

What's an illegal repo ? Also on these latest CCA's there is no insurance included. Don't suppose you (or anyone) has a template letter I can use ?

[sprockett]

does illegal repo mean illegal repossession - if so I think you're getting me mixed up with someone else as we still have our cars - its the dodgy re-written CCA's that I would stop paying them on. Did you receive them OK the other day ?

[postggj]

no i used the repo as a possible reason

 

claming back money ref a duf agreement as a rule is a no no

at the end of the day you had use of goods or services

 

its called unjust enrichment and you would be very brave to take that claim into court

 

just be satisfied on a lousy agreement and all ref wiped from your credit file would be the best out come

[postggj]

if the cca is crap by al means stop payments until they comply

its just claming back all repayments is a no no in my eyes

[sprockett]

just spoke to Consumer Direct who you get to via the OFT - they were very interested in the copy CCA's that WF sent us, in their opinion they are probably unenforceable due to the fact that there's so much missing information on them and the lack of ts & cs. They're contacting our local OFT and asking them to call me to go through the CCA's, send a copy etc. on an urgent basis - the guy seemed almost excited by what I was telling him ! they also advised to put the account into dispute asap. They seem a good route to getting to the OFT, so if anyone else needs to do so their number is 08454 04 05 06.

 

Will keep you all posted with any info gleaned from them ......

[emmilou1]

oooh, thanks for that number, may try them tomorrow