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    • 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
    • Doubt the uneconomic write off would be registered, unless you agreed to accept write off settlement of the claim. It is just cosmetic damage. All that has happened, is that the car has been looked at and they realised the repair costs are going to exceed the value of the car. If the car is perfectly driveable with no upcoming normal work required to pass next MOT, your current Insurers will continue Insurance and you can accept an amount from third party Insurers to go towards you repairing the scratched bodywork.    
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old £7k welcome loan, now with prime - they say i owe £15k!!


marsway43
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Hi, I need some help with an issue.

 

I'm currently collecting evidence against a finance company who say I had a secured loan in oct 06.

I did take out a secured loan with this company in Feb 06.

 

My question is if a charge was placed against my property in Feb 06 for a £7k loan, if I had then taken out a loan with the same company for £12k in Oct 06 would they have had to raise another charge.

 

I have requested this info from Land registry and am waiting for them to get back to me.

Edited by dx100uk
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name names

tell us all the story please

 

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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company I took out the loan with was welcome finance,

I have the original paper work for the loan in feb 06 for £7000 over a period of 84months 7years, bringing the loan to a close feb 13,

for one reason or another I did not notice that the loan should have finished until I had issues lately making re-payments.

 

I was informed by the now company Prime Credit that the loan I took out in Oct 06 was for £12k over 15 years.

They have no signed paper work to support this, no evidence that I have had the loan.

 

I have bank statements and original documents to confirm a loan in feb, but nothing in oct.

My bank statements show no payment in from this company in oct 06.

 

I'm trying to get back the £13500 I have over paid them in the last 5 years.

 

Prime credit who took on the account in 2016 have dismissed my complaint hiding behind a time barred loop hole, as it is over 6years old.

The ombudsman has been involved but Prime credit are not regulated by the FSA although it seems their administrator Acenden Limited are.

 

So I'm try to collect all the evidence I can to prove I never had this loan so I can make a case against someone

Edited by dx100uk
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ho ho ho

how did I know it was welcome and prime credit

 

moved to the welcome finance forum

 

have you sent welcome an sar?

I bet you re financed or indicated to welcome at some point that you wee in difficulty

and you are now suffering the re write syndrome that all welcome finance telephone ops did at that time

that is to fill out a new agreement without you knowing and even forging you sig.

 

hard road ahead i'm afraid

 

read me

https://www.consumeractiongroup.co.uk/forum/showthread.php?467097-Welcome-secured-loans-charge-sold-to-Alpha-Prime-repo-received-***Claim-Dismissed***

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

Yeah seems there are a number of people with issues with them, any advise of where to go ?

 

The way I see it is there is no point going after Welcome as they would just pass it to their liquidator.

 

So I assume it's Prime I need to pursue, I have logged a complaint with Acenden who are the administrator for prime.

 

Any advice would be appreciated as I want the £13500 I have overpaid them back.

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who says you didn't owe it?

have you sent prime a CCa request

have you sent welcome an free sar to get everything they hold on you?

 

id 99% guarantee you re financed and you do did owe the money.

 

the charge stands for any latter associated amount if it was another rewrite that settled the charge agreements sum

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

I say I don't owe it.

The 7k was never in dispute that I took out in Feb 06, where the 12k came from in Oct 06 I do not know, I never refinanced or contacted them in any way.

 

Payments always on time. T

he only thing that we did do was reclaim the PPi some years ago.

 

I have not sent a CCA or SAR yet,

I wasn't aware of what they were, thank you.

I will get them sent to them asap

 

Prime have told me they have been in touch with welcome and they have no original documents for this loan

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do not listen or believe a word prime nor welcome say.

 

get that CCA running to Prime

get that SAR running to welcome.

 

go read that thread I posted earlier. too

 

it would also be of benefit if you post up all the comms with everyone in date order to ONE multipage PDF

read Upload.

 

we have an expert here who'll be along soon.

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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Omg your in for some fun....

 

Dx I wouldn’t say I’m an expert but I’ve had almost 3 years of banging my head up against a brick wall with these...

 

Can you get a copy of the title register from the land registry to see if prime/Alpha credit are on there.

 

Do not take your eye of the ball with this at all

 

Get 2 files going one for prime one for welcome. All will become clear a year or 2 in... I know have 4 big files.

 

Every letter you send to welcome put in one file and each response you get in after and do exactly the same with prime...

 

If you had Ppi get on to welcome asap and get a claim going.. it will only come off your debt but will help you if prime issue court...

 

I know my thread is massive and a bit confusing but if you start on first page then skip to where Prime came in roughly page 8.. then it all starts hotting up .

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Thanks, I think... lol And there was me hopping with all the evidence I have that this would be a quick fix.

I'll have a read of your thread properly and will get myself some files.

Thanks again

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You’ll need a bottle of something and a few hours!!! 😂

 

Don’t think anything will be a quick fix with prime. And do not expect them to respond and properly answer your questions.

 

Never ring them.

 

Land registry ASAP pay £3 and get your deeds after this you may need to pay a further £7 to get more info

https://eservices.landregistry.gov.uk/eservices/FindAProperty/view/QuickEnquiryInit.do

 

https://assets.publishing.service.gov.uk/government/uploads/system/uploads/attachment_data/file/709860/OC2__2018-05-25_.doc

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  • 1 month later...

so hows the sar and cca doing?

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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