Itsme VS Welcome Finance

[maybelline]

Insurance | Car Insurance | Home Insurance | Life Insurance | Travel Insurance -MSN Money UK - PPI fine opens the compensation floodgates

 

have you seen this re: PPI

[itsmeandonlyme]

Insurance | Car Insurance | Home Insurance | Life Insurance | Travel Insurance -MSN Money UK - PPI fine opens the compensation floodgates

 

have you seen this re: PPI

 

 

 

Thank you..i am just going through my N1..

Maybelline, would you add court fees before or after adding up 8% to the amount of the claim?

 

 

Thank you

 

Regards

[maybelline]

I believe the court fees go on after the interest, i.e. they are seperate.Making a Claim

[itsmeandonlyme]

Just a quick update, Thanks to Reidnet managed to reculculate the amount to claim £2181....

Megan from FLA contacted me asking how i am doing..she received reply from Mr S and he asured her the amount is rebated to my account..like i care..I want refund for the whole amount...Plus they've charged me £22.44 for cancellation of Medicare 24....ahhhhhhhh...so i have sent him my last letter befor i will fill N1 to the local court...Got the name of the assistant that assisted me when i took the loan( this is for nearly ready N1)...replyed to Megan explaining her that WF provided me a false copy of Policy Schedule, that the loan is not secured and Mr S admited it was a standard copy of the agreement i have signed, so i did insist agreement was filled in and preperad with PPI and Medicare 24...that i would never sign an agreement confirmin it was a secured and not having a house...etc....

Mr S has a week befor i file N1....Megan from FLA also been advised......

 

Feel so tired with all of it....Also sent SAR to Halifax and Barclay, Creation Finance..........

You can wish me good luck...........it's all i need:)))))

[reidnet]

GOOD LUCK :)

[itsmeandonlyme]

GOOD LUCK :)

 

 

You are so sweety:)))))) I've PM'd you:))just to make it clear:)))))

 

 

Where have u been again?????)))

[maybelline]

GOOD LUCK ItsMe, you have done well, I have no reply from FLA yet other than an acknowledgement, like you I expect the whole account to be voided under the UTCCR Regs or it will have to be argued in the small claims court. did you go ahead with your LBA as I understand FLA will not pursue a case that is being pursued in the courts?

[reidnet]

You are so sweety:)))))) I've PM'd you:))just to make it clear:)))))

 

 

Where have u been again?????)))

 

Ive been in Hiding, No ..Not really .. Just got caught up with some urgent correspondence that had to be replied to with Lloyds.. Long story..lol

 

Have dealt with it now , well for the time being anyway.. Had to also chase up another matter relating to lloyds too.. But that one will be settled by the end of this week or I will be sending the Sheriffs Officers (Bailiffs) to pay them a visit..lol

 

You have done well so far, Keep it Up..

[itsmeandonlyme]

GOOD LUCK ItsMe, you have done well, I have no reply from FLA yet other than an acknowledgement, like you I expect the whole account to be voided under the UTCCR Regs or it will have to be argued in the small claims court. did you go ahead with your LBA as I understand FLA will not pursue a case that is being pursued in the courts?

 

Hello Meybelline,

I have sent my 4th and last letter (2nd after) LBA to Welcome with new figure to claim and to Megan-FLA...i have also advised WF that next step is filling N1 if no respond withing a week...I have advised Megan from FLA that i am waiting for a respond from them, and if it's negative i will file N1....Feel fed up...its like a game that doesn't have an end..so i ll be more than happy to take tham to the court...

 

I have gone through all WF threads..and haven't found anyone that took WF to the court...i also heard only one succeseful story..but all of others just do not end up anywhere? Probably i am not looking at the right place...but it makes me feel a bit frustrated.....hopfully this filling will go....

 

Your thread is doing ok as well...keep going:))))

[itsmeandonlyme]

Ive been in Hiding, No ..Not really .. Just got caught up with some urgent correspondence that had to be replied to with Lloyds.. Long story..lol

 

Have dealt with it now , well for the time being anyway.. Had to also chase up another matter relating to lloyds too.. But that one will be settled by the end of this week or I will be sending the Sheriffs Officers (Bailiffs) to pay them a visit..lol

 

You have done well so far, Keep it Up..

 

 

Hello you:))) Hope u r well..i can see u do not sleep at night as well:))))))

Thank you for your reply...

I have used the copy of your claim yo adjust mine... You said it has been removed cause of the legal purposes..Is it because of Site purposes...or because wording in it was wrong?)))

 

 

And Ian if i have done well it's all because of your help:)))

 

 

Thank you

[itsmeandonlyme]

Have received the letter today he refunded me £22.44 of £283 for Medicare...Such a joke....he calls it" appropriate refund of premium by us if a claim has been made"...No way..i am accepting it....

[bankofsandy]

Hi All

 

Have been reading up on this thread with interest. I phoned WF ages ago and requested that they send me statements and they said not to bother with DPA payment. I have had a few loans with them over the years but all they sent me was one piece of paper.

 

So I will be sending them a proper letter for DPA with £10 enclosed.

 

Good luck to you all

 

Sandy

[maybelline]

good luck sandy, keep us posted and maybe we can help.

[maybelline]

where have my signatures gone??

[itsmeandonlyme]

Hi All

 

Have been reading up on this thread with interest. I phoned WF ages ago and requested that they send me statements and they said not to bother with Data Protection Act payment. I have had a few loans with them over the years but all they sent me was one piece of paper.

 

So I will be sending them a proper letter for DPA with £10 enclosed.

 

Good luck to you all

 

Sandy

 

 

Good for you Sandy, do not waist your time with phone conversation with Welcome Finace ..write to them, send it recorded and wait for the respond..keep the time limit allowed as per labruary....40 days for Data Protection act, SAR-2 weeks, LBA- 2 weeks...

 

Keep us updated and do not give up....Welcome Finance does make your life harder..they are hard to get......But it all will worth at the end:))))

[itsmeandonlyme]

where have my signatures gone??

 

 

yes, where is it?))))

[itsmeandonlyme]

By the way....mine gone as well:)))))probably having a nice cup of tea with yours:))))(Maybelline)

[itsmeandonlyme]

Ian,

I need some help here please....

I have looked through Fraud Bill [HL]..and wondered if i can used in my claim..

when i wanted to cancel Medicare 24..Mr S provided a false copy of "my" Medicare Policy Schedule(T&C) with the crossed over policy number...He4 insisted he can't cancel it and highlited the wording of thecancellation paraghraph that is complitly different to mine:

Unfortunately, on my copy says in paragraph 9:

• The insurance is cancelled. You can cancel this insurance by giving US 30 day's notice.

In his highlighted version of medicare 24 with the amendments says:

• You will have 30 days from the date you receive your documents to cancel this policy with a full refund of premium. In order to cancel, please contact Welcom Financial Services. No refund of premium will be given for any cancellation notified to Welcome Financial services outside of 30 days period.

 

Basicly, he provided me false information to stop me cancelling the insurance..

My question is can i use in my claim some points from Fraud Bill?

(1) A person is guilty of fraud if he is in breach of any of the sections listed in

subsection (2) (which provide for different ways of committing the offence).

(2) The sections are—

(a) section 2 (fraud by false representation)

2 Fraud by false representation

(1) A person is in breach of this section if he—

(a) dishonestly makes a false representation, and

(b) intends, by making the representation—

(i) to make a gain for himself or another, or

(ii) to cause loss to another or to expose another to a risk of loss.

A representation is false if—

(a) it is untrue or misleading, and

(b) the person making it knows that it is, or might be, untrue or misleading.

5 “Gain” and “loss”

(1) The references to gain and loss in sections 2 to 4 are to be read in accordance

with this section.

(2) “Gain” and “loss”—

(a) extend only to gain or loss in money or other property;

 

 

 

It feels right to me in my case.... Can i put it in my claim?

 

 

Thank you

 

Regars,

 

Maria

[reidnet]

Simple answer Maria ... YES you can use that in your claim.. I have used the Fraud Act 2006 in my claim against GE Money. The Fraud Act 2006 actually came into force in January 2007.

 

Good Luck

 

Ian

[itsmeandonlyme]

Thank you Ian, did you also attached the copy of the Act to your claim????

 

 

Thank you

[reidnet]

No I dint attach a copy, though I have printed off a copy should I have to go to Court.. Though with a bit of evidence I obtained today via the ICO the chance of having to go to court is getting even less worrying..lol

 

Got it from the ICO that GE do not in fact hold a copy of my original application form which has a section relating to PPI which they never sent under my SAR, GE Have stated in several letters that they have dicumented evidence that I signed that form...Oh dear..lol

[itsmeandonlyme]

Very unthoughtfull of them..such a big organisation and such a pack of lies...I am very happy for you....))))))

 

About me: i am preparing my N1 and working on it very hard....english is not my first language ..and this doesn't help, believe me....)) FlA is helping a bit...but i can't rely totally on their services.. And if i needed to go to court i would print the Act...SO far i have used:

 

 

5)When Mr Scothern, proved XXXXXX with the false copy of Medicare 24 Policy Schedule, he tried to mislead the claimant with terms of cancellation the policy

Reffering to Bill of Fraud or Fraud Act, that came into force in January 2007:

A person is guilty of fraud if he is in breach of any of the sections listed in

subsection (2) (which provide for different ways of committing the offence).

(2) The sections are—

(a) section 2 (fraud by false representation),

 

 

(3) A person who is guilty of fraud is liable—

(a) on summary conviction, to imprisonment for a term not exceeding 12

months or to a fine not exceeding the statutory maximum (or to both);

(b) on conviction on indictment, to imprisonment for a term not exceeding

10 years or to a fine (or to both).

 

 

2 Fraud by false representation

(1) A person is in breach of this section if he—

(a) dishonestly makes a false representation, and

(b) intends, by making the representation—

(i) to make a gain for himself or another, or

1. to cause loss to another or to expose another to a risk of loss.

   
   

Making or supplying articles for use in frauds

(1) A person is guilty of an offence if he makes, adapts, supplies or offers to supply

any article—

(a) knowing that it is designed or adapted for use in the course of or in

connection with fraud, or

(b) intending it to be used to commit, or assist in the commission of, fraud.

(2) A person guilty of an offence under this section is liable—

(a) on summary conviction, to imprisonment for a term not exceeding 12

months or to a fine not exceeding the statutory maximum (or to both);

(b) on conviction on indictment, to imprisonment for a term not exceeding

10 years or to a fine (or to both).

Liability of company officers for offences by company

(1) Subsection (2) applies if an offence under this Act is committed by a body

corporate.

(2) If the offence is proved to have been committed with the consent or connivance

of—

(a) a director, manager, secretary or other similar officer of the body

corporate, or

(b) a person who was purporting to act in any such capacity,

he (as well as the body corporate) is guilty of the offence and liable to be

proceeded against and punished accordingly.

(3) If the affairs of a body corporate are managed by its members, subsection (2)

applies in relation to the acts and defaults of a member in connection with his

functions of management as if he were a director of the body corporate.

 

 

 

I think this is enough..What do you think?Truth please:)))

 

 

Thank you.

 

 

Regards,

Maria

[reidnet]

Looks good to me..

 

Ian

[itsmeandonlyme]

Thank you Ian.... My N1 is complited...I still haven't received final reply from FLA....Should i wait?..the deadline was today.

Meanwhile i have to put my figures straight... thank you for all you help...

What i do not understand is:(when you culculated my PPI and Medicare)

1) how did you get :

 

a) PPI cost £996.36 plus Interest at 44.5%APR £756.00 = Total for PPI = £1752.36 I get:996.36*0.445=443.38+996.36=£1439.74

 

Medicare Cost £150 plus interest at 44.5%APR £113.81 Total for Medicare £263.81 I get: 150*0.445=66.75+150=£216.75

Your total for PPI+ Medicare with intrest=2016.17( mine is £1656.49)

Where do i make a mistake?

Now 8% works out as 0.45 per day...3 years of 36 payments of 2016,17...£480.60???

 

How do i get the total?

 

When you filed your N1 which spreadsheet of charges did you attach or how did the culculation of the amount you were claiming looked like?

 

 

Thank you.

 

Kind regards,

Maria

[maybelline]

hi Itsme, you are doing well, I would contact FLA to find out what their progress is with the case as it might influence your decision to file a claim, if they have come up with nothing then the courts may be the only way to go but at least you will know you have tried to resolve matters and they cannot argue you are being hasty:)