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    • I can only speak from personal experience. But a similar thing happened to me. Seriously dented door.  I made the other insurance pay. They regarded it as a write off. Took the money, replaced the door. Never heard anything more about it.    Except clearly someone sold my details to claims company, because I got loads of calls in bad English for a few month's 
    • The incident was 03rd March 2024 - and that was the only letter that I have received from MET 15th April 2024 The charge I paid was at the Stansted Airport exit gate (No real relevance now - I thought this charge was for that!!).   Here is the content of email to them (Yes I know I said I was the driver !!!!) as said above -  I thought this charge was for that!! "Stansted Airport" Dear “To whom it may concern” My name is ??  PCN:  ?? Veh Reg: Date of Incident: 03rd March 2024 I have just received a parking charge final reminder letter, dated 10th April 2024 - for an overstay.  This is the first to my knowledge of any overstay. I am aware that I am out of the 28 days, I don’t mean to be rude, this feels like it is a scam My movements on this day in question are, I pulled into what looked like a service station on my way to pick my daughter and family up from Stansted airport. The reason for me pulling into this area was to use a toilet, so I found Starbucks, and when into there, after the above, I then purchased a coffee. After which I then continued with my journey to pick my daughter up. (however after I sent this email I remember that Starbucks was closed so I then I walked over to Macdonalds) There was no signs about parking or any tickets machines to explains about the parking rules. Once at Stansted, I entered and then paid on exit.  So Im not show where I overstayed my welcome.. With gratitude    
    • Just to enlarge on Dave's great rundown of your case under Penalty. In the oft quoted case often seen on PCNs,  viz PE v Beavis while to Judges said there was a case for claiming that £100 was a penalty, this was overruled in this case because PE had a legitimate interest in keeping the car park free for other motorists which outweighed the penalty. Here there is no legitimate interest since the premises were closed. Therefore the charge is a penalty and the case should be thrown out for that reason alone.   The Appeals dept need informing about what and what isn't a valid PCN. Dummies. You should also mention that you were unable to pay by Iphone as there was no internet connection and there was a long  queue to pay on a very busy day . There was no facility for us to pay from the time of our arrival only the time from when we paid at the machine so we felt that was a bit of a scam since we were not parked until we paid. On top of that we had two children to load and unload in the car which should be taken into account since Consideration periods and Grace periods are minimum time. If you weren't the driver and PoFA isn't compliant you are off scot free since only the driver is liable and they are saying it was you. 
    • Thank you dx. I consider myself well and truly told :) x Thank you dx. I consider myself well and truly told :) x
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Welcome Finance/ Prime credit 5 secured loan early settlement query


saltpot2363
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Hi

Took out a Welcome Finance secured loan in November 2007 for £20k

I have no defaults, pay £386.53 a month.

 

 

My partner is about to be made redundant and was wondering about offering an early settlement figure.

This is now under Prime Credit 5 since the demise of Welcome Finance.

 

I know in my last statement in 2016 the remaining balance was £19719

it has been repaid in theory several times over with their extortionate charges.

 

Is it worth pursuing early settlement for this with partner being made redundant?

 

Thank you

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Wait so you have paid approx £46k over 10 years and you have only actually paid £281 off the actual loan amount ?

 

Would get a SAR sent off to get detailed statement etc to see if you can start reclaiming any unjust fees etc.

  • Haha 1
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you need to sar welcome finance

 

 

I wondered when another of the 38 people we know it happened too would come here

long read but

http://www.consumeractiongroup.co.uk/forum/showthread.php?467097-Welcome-secured-loans-charge-sold-to-Alpha-Prime-repo-received-bal-all-penalties-PPI-MIF-LIFE-PPI-or-IR-help

I think you'll find this a rather eye opener.

 

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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hows this going I have some info for you but i'm not sure if you are still with us you've not replied

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Sorry been visiting daughter who was taken into hospital. I did however manage to read most of the thread and others ones to do with Welcome. I found a sar template on the site and sent that off yesterday so guess it's a waiting game now with them having 40 days to respond

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ah hello

I'll send you a PM 5 mins

 

 

dx site team

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

the answer is no cruz

 

 

await the sar

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

  • 2 months later...

I too have a situ whereby I have asked for an early settlement figure with WF.

 

I took out a secured loan back in 2007, I asked for a SAR approx 3 years ago and there seemed to be the odd 10 pound charge for calls and other spurious late payment charges but limited PPI - well maybe actually there was approx 6 months of PPI.

 

I took out a loan approx for 20k. I have been paying it for 10 years but lowered my monthly payments so that i was only oaying the interest.

 

Anyhow, I have just called for a settlement figure and they are stating it is circa 4 to 5k.

 

My loan was with Welcome and my charge on my house is still present.

 

I am now being asked to sign a form stating that i will not pursue them for PPI if I clear this debt.

 

Adice pls...thanks

 

Andy

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Might be best if you go update your own thread here

https://www.consumeractiongroup.co.uk/forum/showthread.php?156743-Welcome-Finance-Secured-loan-house

Then we won't hijack this users one..

 

Dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

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