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    • S13 (2)The creditor may not exercise the right under paragraph 4 to recover from the keeper any unpaid parking charges specified in the notice to keeper if, within the period of 28 days beginning with the day after that on which that notice was given, the creditor is given— (a)a statement signed by or on behalf of the vehicle-hire firm to the effect that at the material time the vehicle was hired to a named person under a hire agreement; (b)a copy of the hire agreement; and (c)a copy of a statement of liability signed by the hirer under that hire agreement. As  Arval has complied with the above they cannot be pursued by EC----- ------------------------------------------------------------------------------------------------------------------------------------------------------------------- S14 [1]   the creditor may recover those charges (so far as they remain unpaid) from the hirer. (2)The conditions are that— (a)the creditor has within the relevant period given the hirer a notice in accordance with sub-paragraph (5) (a “notice to hirer”), together with a copy of the documents mentioned in paragraph 13(2) and the notice to keeper; (b)a period of 21 days beginning with the day on which the notice to hirer was given has elapsed;  As ECP did not send copies of the documents to your company and they have given 28 days instead of 21 days they have failed to comply with  the Act so you and your Company are absolved from paying. That is not to say that they won't continue asking to be paid as they do not have the faintest idea how PoFA works. 
    • Euro have got a lot wrong and have failed to comply with the Protection of Freedoms Act 2012 Schedule 4.  According to Section 13 after ECP have written to Arval they should then send a NTH to the Hirer  which they have done.This eliminates Arval from any further pursuit by ECP. When they wrote to your company they should have sent copies of everything that they asked Arval for. This is to prove that your company agree what happened on the day of the breach. If ECP then comply with the Act they are allowed to pursue the hirer. If they fail, to comply they cannot make the hirer pay. They can pursue until they are blue in the face but the Hirer is not lawfully required to pay them and if it went to Court ECP would lose. Your company could say who was driving but the only person that can be pursued is the Hirer, there does not appear to be an extension for a driver to be pursued. Even if there was, because ECP have failed miserably to comply with the Act  they still have no chance of winning in Court. Here are the relevant Hire sections from the Act below.
    • Thank-you FTMDave for your feedback. May I take this opportunity to say that after reading numerous threads to which you are a contributor, I have great admiration for you. You really do go above and beyond in your efforts to help other people. The time you put in to help, in particular with witness statements is incredible. I am also impressed by the way in which you will defer to others with more experience should there be a particular point that you are not 100% clear on and return with answers or advice that you have sought. I wish I had the ability to help others as you do. There is another forum expert that I must also thank for his time and patience answering my questions and allowing me to come to a “penny drops” moment on one particular issue. I believe he has helped me immensely to understand and to strengthen my own case. I shall not mention who it is here at the moment just in case he would rather I didn't but I greatly appreciate the time he took working through that issue with me. I spent 20+ years of working in an industry that rules and regulations had to be strictly adhered to, indeed, exams had to be taken in order that one had to become qualified in those rules and regulations in order to carry out the duties of the post. In a way, such things as PoFA 2012 are rules and regulations that are not completely alien to me. It has been very enjoyable for me to learn these regulations and the law surrounding them. I wish I had found this forum years ago. I admit that perhaps I had been too keen to express my opinions given that I am still in the learning process. After a suitable period in this industry I became Qualified to teach the rules and regulations and I always said to those I taught that there is no such thing as a stupid question. If opinions, theories and observations are put forward, discussion can take place and as long as the result is that the student is able to clearly see where they went wrong and got to that moment where the penny drops then that is a valuable learning experience. No matter how experienced one is, there is always something to learn and if I did not know the answer to a question, I would say, I don't know the answer to that question but I will go and find out what the answer is. In any posts I have made, I have stated, “unless I am wrong” or “as far as I can see” awaiting a response telling me what I got wrong, if it was wrong. If I am wrong I am only too happy to admit it and take it as a valuable learning experience. I take the point that perhaps I should not post on other peoples threads and I shall refrain from doing so going forward. 🤐 As alluded to, circumstances can change, FTMDave made the following point that it had been boasted that no Caggers, over two years, who had sent a PPC the wrong registration snotty letter, had even been taken to court, let alone lost a court hearing .... but now they have. I too used the word "seemed" because it is true, we haven't had all the details. After perusing this forum I believe certain advice changed here after the Beavis case, I could be wrong but that is what I seem to remember reading. Could it be that after winning the above case in question, a claimant could refer back to this case and claim that a defendant had not made use of the appeal process, therefore allowing the claimant to win? Again, in this instance only, I do not know what is to be gained by not making an appeal or concealing the identity of the driver, especially if it is later admitted that the defendant was the driver and was the one to input the incorrect VRN in error. So far no one has educated me as to the reason why. But, of course, when making an appeal, it should be worded carefully so that an error in the appeal process cannot be referred back to. I thought long and hard about whether or not to post here but I wanted to bring up this point for discussion. Yes, I admit I have limited knowledge, but does that mean I should have kept silent? After I posted that I moved away from this forum slightly to find other avenues to increase my knowledge. I bought a law book and am now following certain lawyers on Youtube in the hope of arming myself with enough ammunition to use in my own case. In one video titled “7 Reasons You Will LOSE Your Court Case (and how to avoid them)” by Black Belt Barrister I believe he makes my point by saying the following, and I quote: “If you ignore the complaint in the first instance and it does eventually end up in court then it's going to look bad that you didn't co-operate in the first place. The court is not going to look kindly on you simply ignoring the company and not, let's say, availing yourself of any kind of appeal opportunities, particularly if we are talking about parking charge notices and things like that.” This point makes me think that, it is not such a bizarre judgement in the end. Only in the case of having proof of payment and inputting an incorrect VRN .... could it be worthwhile making a carefully worded appeal in the first instance? .... If the appeal fails, depending on the reason, surely this could only help if it went to court? As always, any feedback gratefully received.
    • To which official body does one make a formal complaint about a LPA fixed charge receiver? Does one make a complaint first to the company employing the appointed individuals?    Or can one complain immediately to an official body, such as nara?    I've tried researching but there doesn't seem a very clear route on how to legally hold them to account for wrongful behaviour.  It seems frustratingly complicated because they are considered to be officers of the court and held in high esteem - and the borrower is deemed liable for their actions.  Yet what does the borrower do when disclosure shows clear evidence of wrong-doing? Does anyone have any pointers please?
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old welcome secured loan - sigma/exprto/lowell - Confused - who owns my secured loan now?


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Hi all,

 

I am hoping someone can offer me some advice please as i am a little confused by all this.

 

I took out a secured loan in 2006 with Welcome Finance and thereafter got into financial difficulty with the loan going into arrears.

A company called Experito Credite then got in touch to set up a payment plan, which I did paying them £50 a month.

 

After this, the loan was then transferred over to Lowells who i continued with the same payment of £50 a month.

However, on looking at my recent Lowells statement, it claims a company called Sigma Financial Group are the original creditors.

I have never heard of this company and i cant find any link on the net between them and Welcome Finance.

 

I obtained a copy of my deeds and Welcome Finance are listed as having a charge but there is no mention of any of these other companies.

I am looking to sell the property and possibly get a reduced settlement.

Having spoken to CAB, they advised me to do a SAR in the first instance, to check for PPI or charges.

 

Only now i'm unsure who the SAR should go to, Welcome, Lowells or SIGMA?

I haven't dealt with Welcome in over 7 years now so would they even have this information?

 

Any help would be greatly appreciated.

 

Thanks

Edited by dx100uk
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Hi and Welcome to CAG

 

See post #3 of the following thread......all one and the same.

 

https://www.consumeractiongroup.co.uk/forum/showthread.php?480656-Restriction-of-sale-from-now-dissolved-company-(Sigma-SPV1)&highlight=Sigma

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Thanks for this, useful read. So I can just go ahead and SAR Lowells, see what they come up with.

 

Just out of curiosity, why would Lowells not register a charge on my property since they now own the debt?

 

I'm confused as to how this would work when (and if) i do get a full and final settlement. If i settle with Lowells, how will i deal with getting WF to take their charge off?

 

Sorry I'm new to this and just trying to get my head round how this charge works!

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Its not always necessary to change the charge to their name as it will be linked through their portfolio when they acquired the debt.

 

Normally changes are only made if they wished to litigate further..then they become the claimant in name.

 

Andy

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Youve been had blind from day one!

 

Get that sar to welcome running

 

Have you ever sent whom you pay a cca request too?

 

Do you still have a copy of the org agreement??

 

If so read upload and scan it up!!

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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Thanks for this!

 

I sent a sar to welcome years ago and still have the mound of paperwork from that but cab had suggested to sar lowells or sigma, which I will do.

 

I've never done a cca for lowells, should I do this along side the sar? Ie, can I ask for both at once? Or do I do one at a time?

 

Thanks in advance

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I always recommend separate..less chance of saying never received :-)

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

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Can you scan up the welcome sar to one multipage pdf please

Read upload

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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Thanks Andy, I will do that ASAP, separately.

 

 

DX, its a lot of paperwork, would it be easier to scan and email to you?

 

 

I can do this tomorrow when I'm back in the office.

 

Thanks

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no up here please

so everyone can help you.

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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Title updated

 

Do you know if these payments have been going off the balance that welcome have?

I'e on the statements from the sar are those payments made to sigma then experto then lowell showing?

 

Ive a feeling that these dcas are only collecting for their client..welcome finance?

Hence their names still being on the deeds

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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To be honest I'm not sure, my SAR from Welcome is from 2011 and I can't remember what my last Lowells statement said.

Would it be worthwhile sending Welcome a fresh SAR request to see what they have on me now?

I've sent the Lowells letters so just a waiting game on that information.

 

I'm trying to upload the documents I have from Welcome but having some difficulty with the Paint software trying to block out the personal information, i'll keep at it though and hopefully get it done today.

 

 

Thanks again :)

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yes send a new sar cant hurt and its free

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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Hopefully all the information will be attached.

 

Going through it there doesn't appear to be any word of charges or PPI, in fact the only charge I can see is one for a few hundred at the start.

They have frozen the interest, I'm not sure when though as I have paid back approx. 9K and there is still about 11K left on a 13K loan.

 

A little background on the situation,

a very young and naïve partner and I who were already in some debt got a Northern Rock 110% mortgage and we managed to purchase a very small 1 bedroom flat.

 

It need a lot of work done though, hence the loan from Welcome but to be honest we were both in new trainee positions jobwise, earning a pittance (as you will see from the SAR) so a lot of the loan was used for surviving month to month and trying to do what we could to the property.

 

I'm not entirely sure how Welcome allowed us to get the loan, they've over estimated the house cost and completely disregarded the 110% mortgage and other debt we had. We really couldn't afford it. I guess this is how they work though!

 

I didn't deal with our finances at that point and we got into more and more financial difficulty with my partner burying his head in the sand, we couldn't stay afloat and then Welcome started harassing us at work and at home, door visits etc.

We ended up separating mainly due to all of this

 

I managed to get a DMP for all the other debts (all of this has been paid off now for years and our credit files are both clean) and eventually just started paying the DCA £50 a month.

 

My partner and I got back together and other than this loan have no debt now but we want to sell the flat hence why i'm now realising this is going to cause issues. I had initially assumed we could transfer the charge onto a new property but then started reading that Welcome don't allow this?

 

My thoughts then were to maybe get a reduced settlement if possible before we put the property for sale.

I imagine if they realised we were selling they'd hold out for the entire lot?

Or is it even possible to get secured loan changed to a personal loan (on the basis there was nothing for it to be secured on?)

 

Thanks

 

See if this is any better Dx.

 

Thanks,

Welcome.pdf

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any fixed sum fees so

 

unpaid dd fee

letter fee

phonecall fee

rejected card fee

default sum int

 

had to hide your upload

you've left lots of pers info showing like ac numbers

and barcodes QR codes and address codes showing

you need to remove all those too.

 

I've asked someone to pop in

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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Thanks dx, are those charges reclaimable then?

 

With regard to the capitalisation, no I don't recall any mention of the capitalisation but it was some time ago.

Whats the consequences of that then?

I haven't came it across it when I've been reading other threads.

 

Sorry, I thought i'd got them all

- i'll go and have another look, I was started to go a bit crossed eyed doing it!

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yes they are reclaimable..or lets put it this way

should not be included in the balance outstanding

[and the int they caused]

 

if you didn't agree to capitalisation, if that's what ist IS [sadly welcome use that word for interest so might not actually be capitalisation of the arrears,,which bumps the outstanding figure up by extra int every month].]

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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I ordered a copy of the deeds last week and welcome have registered a charge on the property.

 

OK, so in the first instance I just need to wait on the sar from lowells and do another one for welcome? Then take it from there.

 

Thanks folks, the helps really appreciated.

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gather everything you can first by whatever method.

 

the more info the better a picture

that comms log is quite revealing too.

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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  • 1 month later...

Hey there,

 

I've had a response from welcome claiming they can't identify me from the account number I gave (it's correct) and my address (I haven't moved since I took the loan). They have a charge on my property so this seems strange to me.

 

The letter says I should call to discuss but I'm under no illusions and know I shouldn't communicate via phone but can anyone tell me what my written response should be?

 

No response from lowells yet.

 

Thanks

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send them a copy of the charge

 

state if this is not you then please remove it ..I give you 14 days..prats!!:mad2:

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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Thanks dx, I'll get a letter off ASAP.

 

What would be my next step if they don't provide a sar or remove the charge within the 14 days? I.e what action am I threatening them with for not providing what I'm asking for?

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I doubt it will be that straightforward.....the charge will have been placed at the time of the loan...as this is a secured loan ..thats the T&CS of acceptance of the loan to secure it against your property.

 

There obviously was a secured loan...you have made payments......just because Welcome cant track it...most probably down to it being assigned.

 

Andy

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

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