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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.  

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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.

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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Itsme VS Welcome Finance


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Thank you Flower, i had a nice time:)))

 

re Welcome :I have a hearing date now: 9th of JULY..

 

 

:rolleyes:

Carphone Warehouse WON £195.00

Welcome Finance in Court. N244 accepted.

Barclaycard WON with contractual, PPI and charges for time spent and letters sent

Halifax solo, switch, Credit Classic, Halifax one Itsme Vs Halifax 2 accounts

Creation Finance Prelim received offer of £79.88.... Itsme VS Creation Finance

Vodafone overcharged Vodafon.. anything that could be done?

 

U know where the scales r:)))))

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Thank you Flower, i had a nice time:)))

 

re Welcome :I have a hearing date now: 9th of JULY..

 

 

:rolleyes:

 

Excellent progress at last:grin: :o

 

Happy birthday for yesterday,:-D

If any of my posts are helpful, please feel free to click my scales. All information is given as my opinion only, based on my own personal experiences. I have no legal training, but have educated myself in aspects of consumer legislation. My motto "NEVER GIVE IN, NEVER SURRENDER", THERE IS A WAR ON YOU KNOW

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Excellent progress at last:grin: :o

 

Happy birthday for yesterday,:-D

 

 

Hello Sandra,

still feel a bit :eek: from the drinks... a bit :eek: from the court letter

 

 

:lol:

 

 

Pamela explained that it's not an ectual hearing-hearing...its like a trial for my amended POC, so judge would speak to me and ask why i have amended claim...etc...

 

 

It's very nice of you to send me some nice words about my birthday.....

 

 

i want to come on this CAG meeting in Hampstead and meet some CAG members...How far do you live from London??? r u coming?

 

 

Regards,

 

 

Maria

Carphone Warehouse WON £195.00

Welcome Finance in Court. N244 accepted.

Barclaycard WON with contractual, PPI and charges for time spent and letters sent

Halifax solo, switch, Credit Classic, Halifax one Itsme Vs Halifax 2 accounts

Creation Finance Prelim received offer of £79.88.... Itsme VS Creation Finance

Vodafone overcharged Vodafon.. anything that could be done?

 

U know where the scales r:)))))

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'rise like lions after slumber, in unvanquishable number, shake your chains to the earth like dew, which in sleep had fall'n on you, ye are many, they are few.' Percy Byshse Shelly 1819

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Hello Sandra,

still feel a bit :eek: from the drinks... a bit :eek: from the court letter

 

 

:lol:

 

 

Pamela explained that it's not an ectual hearing-hearing...its like a trial for my amended POC, so judge would speak to me and ask why i have amended claim...etc...

 

 

It's very nice of you to send me some nice words about my birthday.....

 

 

i want to come on this CAG meeting in Hampstead and meet some CAG members...How far do you live from London??? r u coming?

 

 

Regards,

 

 

Maria

 

Hello Maria,

 

Sound like you had a very good time if you were still suffering form the drink:lol: :o

 

I live in Manchester I think a few hours from Hampstead and when is the meeting?

 

Look don't worry too much, I know its a bit scary the though of going to court, but think positive, becouse you are right and they are wrong.:D

If any of my posts are helpful, please feel free to click my scales. All information is given as my opinion only, based on my own personal experiences. I have no legal training, but have educated myself in aspects of consumer legislation. My motto "NEVER GIVE IN, NEVER SURRENDER", THERE IS A WAR ON YOU KNOW

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Hi Maybelline, sorry what is that?

 

 

 

Thank you

Carphone Warehouse WON £195.00

Welcome Finance in Court. N244 accepted.

Barclaycard WON with contractual, PPI and charges for time spent and letters sent

Halifax solo, switch, Credit Classic, Halifax one Itsme Vs Halifax 2 accounts

Creation Finance Prelim received offer of £79.88.... Itsme VS Creation Finance

Vodafone overcharged Vodafon.. anything that could be done?

 

U know where the scales r:)))))

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sorry, it is where you check if the company is registered a data cotnroller otherwise I think they cannot pass your info on to third parties (but waiting for a check on this from someone if correct) dont take it as certain just yet.

 

Notify the ICO when processing personal information - Data Protection

 

you can check register also, sometimes there is a delay before they register but not I would imagine of several years!:)

'rise like lions after slumber, in unvanquishable number, shake your chains to the earth like dew, which in sleep had fall'n on you, ye are many, they are few.' Percy Byshse Shelly 1819

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Hello everyone.

 

Sorry not posted on here for a long time use to post in Welcome Finance Any dealings??? I am still chasing welcome and it is like hitting your head of a brick wall. I never took out PPI with a joint secured loan but welcome said there was a single policy taken out and they have given me a photocopy. The PPI has no agreement no and date. The signature of my husbands look nothing like his but mine looks okay but it is simple enough to copy. Also is looks as if it has been photocopied on with the way the lines are. Anyway the amount I am trying to reclaim is £6,945.09 which includes penalties, PPI, erc plus interest.

 

Who do we sent letters of complaint to is is FSA, FOS or someone else?

 

Has anyone had success in fighting them.

Sorry forgot to mention.

 

I get a copy of my credit report every 6 months just out of interest and the last one stated welcome was sitting at a stage 0 as all my payments were up to date (as I settled)

 

I got a copy of my report today and hey presto. Welcome is sitting at a stage 6 misses. They have been sending me letters about taking out another loan but they have been ignored.

 

Is there anything I can do to get rid of this as I need to apply for a loan and this is sticking out like a sore thumb.

 

thanks

 

sandra

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http://www.consumeractiongroup.co.uk/forum/data-protection-default-issues/

 

try these threads about cleaning up your file, if that is all that is making problems for you, and then sort out the claim for the PPI seperately, alternatively apply for the simpler charges, non dds, etc first but ask for default removal as part of your claim.

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'rise like lions after slumber, in unvanquishable number, shake your chains to the earth like dew, which in sleep had fall'n on you, ye are many, they are few.' Percy Byshse Shelly 1819

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Hello Sandra05,

 

FSA is the fin organisation that doesnt investigate individual complains, but do record them and when they gather enough complaints they will start investigating.

 

The address is:

25 The North Collonnade

Canary Wharf

London

E14 5HS

 

 

I personally found FSA

 

The only way is filing a court claim, but as you see in my case it would take a long way with WF.

 

About your 6..i am sure they can easly take it out, but you have to try and ask them politely....if not...than in a formal letter...but do not push it too hard at the beggining...it's on their descretion

 

Good luck...

Keep going and update us with the results.....

 

 

Kind regards,

 

 

Itsme

Carphone Warehouse WON £195.00

Welcome Finance in Court. N244 accepted.

Barclaycard WON with contractual, PPI and charges for time spent and letters sent

Halifax solo, switch, Credit Classic, Halifax one Itsme Vs Halifax 2 accounts

Creation Finance Prelim received offer of £79.88.... Itsme VS Creation Finance

Vodafone overcharged Vodafon.. anything that could be done?

 

U know where the scales r:)))))

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Hello Maria,

 

Sound like you had a very good time if you were still suffering form the drink:lol: :o

 

I live in Manchester I think a few hours from Hampstead and when is the meeting?

 

Look don't worry too much, I know its a bit scary the though of going to court, but think positive, becouse you are right and they are wrong.:D

 

 

My dear dear Hell,

 

thank you for the support:))

 

 

The link to the Hampstead meeting is http://www.consumeractiongroup.co.uk/forum/announcement.php?f=111&a=91

 

 

regards,

 

 

Itsme

Carphone Warehouse WON £195.00

Welcome Finance in Court. N244 accepted.

Barclaycard WON with contractual, PPI and charges for time spent and letters sent

Halifax solo, switch, Credit Classic, Halifax one Itsme Vs Halifax 2 accounts

Creation Finance Prelim received offer of £79.88.... Itsme VS Creation Finance

Vodafone overcharged Vodafon.. anything that could be done?

 

U know where the scales r:)))))

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Dear Maybelline,

 

 

Thank you for the link...will read it tonight:)

 

How r u?

 

 

 

Regards,

 

 

itsme

Carphone Warehouse WON £195.00

Welcome Finance in Court. N244 accepted.

Barclaycard WON with contractual, PPI and charges for time spent and letters sent

Halifax solo, switch, Credit Classic, Halifax one Itsme Vs Halifax 2 accounts

Creation Finance Prelim received offer of £79.88.... Itsme VS Creation Finance

Vodafone overcharged Vodafon.. anything that could be done?

 

U know where the scales r:)))))

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Hi Itsme

 

I will get a letter off to them tomorrow.

 

I cannot get over the fact that if you miss a payment it starts of as a one on your credit report then 2 etc but they have mine as 6 misses. Which you would expect it to look like

6 5 4 3 2 1 0 0 0 0 but my credit history shows 6 0 0 0 0 0 0 0 0 where is the previous missues?

 

I have heard and read that they do this on purpose so it effects your credit history and if you are looking for finance you end up going back to them. As this sits on your credit report for 6 years.

 

Thanks again.

 

sandra

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Hi Itsme

 

I will get a letter off to them tomorrow.

 

I cannot get over the fact that if you miss a payment it starts of as a one on your credit report then 2 etc but they have mine as 6 misses. Which you would expect it to look like

6 5 4 3 2 1 0 0 0 0 but my credit history shows 6 0 0 0 0 0 0 0 0 where is the previous missues?

 

I have heard and read that they do this on purpose so it effects your credit history and if you are looking for finance you end up going back to them. As this sits on your credit report for 6 years.

 

Thanks again.

 

sandra

 

 

they can be very nasty....not surprised..i would write and ask them same question..But did you miss 6 payments?

If not than what they have done is iligal....and you have all the rights to point at it...be strong....we r here to help:))

regards,

 

 

Itsme

Carphone Warehouse WON £195.00

Welcome Finance in Court. N244 accepted.

Barclaycard WON with contractual, PPI and charges for time spent and letters sent

Halifax solo, switch, Credit Classic, Halifax one Itsme Vs Halifax 2 accounts

Creation Finance Prelim received offer of £79.88.... Itsme VS Creation Finance

Vodafone overcharged Vodafon.. anything that could be done?

 

U know where the scales r:)))))

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thank you will keep you updated.

 

Are the FOS not able to help. If you submit a complaint to them it costs whoever you are complaining about £600 if they get formally involved.

 

Mind you with the amount welcome owe customers that is a drop in the ocean.

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FOS sent me fob off letter and point me in the FLA direction.....

 

FLA sent me back to WF..

 

waste of time!!!!!!!!!

Carphone Warehouse WON £195.00

Welcome Finance in Court. N244 accepted.

Barclaycard WON with contractual, PPI and charges for time spent and letters sent

Halifax solo, switch, Credit Classic, Halifax one Itsme Vs Halifax 2 accounts

Creation Finance Prelim received offer of £79.88.... Itsme VS Creation Finance

Vodafone overcharged Vodafon.. anything that could be done?

 

U know where the scales r:)))))

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Share on other sites

Hi Itsme

 

I will get a letter off to them tomorrow.

 

I cannot get over the fact that if you miss a payment it starts of as a one on your credit report then 2 etc but they have mine as 6 misses. Which you would expect it to look like

6 5 4 3 2 1 0 0 0 0 but my credit history shows 6 0 0 0 0 0 0 0 0 where is the previous missues?

 

I have heard and read that they do this on purpose so it effects your credit history and if you are looking for finance you end up going back to them. As this sits on your credit report for 6 years.

 

Thanks again.

 

sandra

 

Hello,

 

I agree with you it looks a bit shady:eek: but no more than you would expect from these shysters.

 

Writ a letter to them to explain this

 

Sandra do you have a copy of your credit agreement which is an enforceable contract. Maybe if you haven't send for one, because you may find that they cannot be putting an info to anybody about you ;)

 

That would be good, eh:D

 

Hiya itsme:D

If any of my posts are helpful, please feel free to click my scales. All information is given as my opinion only, based on my own personal experiences. I have no legal training, but have educated myself in aspects of consumer legislation. My motto "NEVER GIVE IN, NEVER SURRENDER", THERE IS A WAR ON YOU KNOW

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Dear Maybelline,

 

 

Thank you for the link...will read it tonight:)

 

How r u?

 

 

 

Regards,

 

 

itsme

 

Hello Itsme, things seem to be progressing, waiting for a Hearing date from the court, also have a case no from Information Commissioner now, on others also re third party processing, will not say too much as this is a very public forum!

'rise like lions after slumber, in unvanquishable number, shake your chains to the earth like dew, which in sleep had fall'n on you, ye are many, they are few.' Percy Byshse Shelly 1819

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Dear Maybelline,

 

you can always PM...i ll be more than interested to know..what is happening with your claim:)

 

regards,

 

Itsme

Carphone Warehouse WON £195.00

Welcome Finance in Court. N244 accepted.

Barclaycard WON with contractual, PPI and charges for time spent and letters sent

Halifax solo, switch, Credit Classic, Halifax one Itsme Vs Halifax 2 accounts

Creation Finance Prelim received offer of £79.88.... Itsme VS Creation Finance

Vodafone overcharged Vodafon.. anything that could be done?

 

U know where the scales r:)))))

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One more letter received offering me more many with their interest...such a bargian:)))))))))

 

 

not so long left till the hearing....counting...

Carphone Warehouse WON £195.00

Welcome Finance in Court. N244 accepted.

Barclaycard WON with contractual, PPI and charges for time spent and letters sent

Halifax solo, switch, Credit Classic, Halifax one Itsme Vs Halifax 2 accounts

Creation Finance Prelim received offer of £79.88.... Itsme VS Creation Finance

Vodafone overcharged Vodafon.. anything that could be done?

 

U know where the scales r:)))))

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yes, same here, encouragement to take out new loan! they prey on vulnerable situations and this is how these type of companies make their money, I see no reason why low income families should not be offerred a fair deal.

 

your PM box is full.

'rise like lions after slumber, in unvanquishable number, shake your chains to the earth like dew, which in sleep had fall'n on you, ye are many, they are few.' Percy Byshse Shelly 1819

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yes, same here, encouragement to take out new loan! they prey on vulnerable situations and this is how these type of companies make their money, I see no reason why low income families should not be offerred a fair deal.

 

your PM box is full.

 

 

try again:))))

Carphone Warehouse WON £195.00

Welcome Finance in Court. N244 accepted.

Barclaycard WON with contractual, PPI and charges for time spent and letters sent

Halifax solo, switch, Credit Classic, Halifax one Itsme Vs Halifax 2 accounts

Creation Finance Prelim received offer of £79.88.... Itsme VS Creation Finance

Vodafone overcharged Vodafon.. anything that could be done?

 

U know where the scales r:)))))

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