Hi my daughter took out a loan with Welcome finance in 2007 for £2000 she paid 9 payments (£1546.320 and settled the load by paying £2649.57 in Sept 2007 which means she paid over £2000 interest for 9 months. This included PPI which she was told she had to have the insurance to secure the loan and she is now in the process of requesting repayment of PPI. The breakdown of the settlement is quite confusing as it states default interest/interest reversal £1546.32 interest on settlement £204.21 can anyone explain this as they wont even though we have written on numerous occasions, the latest 2 months ago and I was informed last week that they were short staffed and the letter that was received 2 mnths ago has not been scanned onto my daughters file because of the staff shortages but they were hoping to recruit in the next couple of months

I know they are not fines,as an ex police officer they have no jurisdiction to issue fines, only police, courts and local authority, that is why I put "" "" when I wrote fines, and I'm sorry if I misled you or anyone else. If Excel wish to take it further they must go the County Court for a judge to make a decision.They put CPN (car park notice) on letters, so people will get it mixed up with PNC (police national computer). I do agree with you to boycott their car park. Any threat of courts or debt collectors is harrassment. Something needs to be done about such cowboys. I believe that Wakefield MP and Wakefield Express are assisting people who have had these demands for money from Excel and other private car parking firms. Its a pity they are still allowed to trade.

My cousin was issued with a "fine" from Excel, her story was In Wakefield Express 22/1/10, I wrote to them on her behalf as she her husband had just passed away and she was quite poorly herself. She had tried to put the money in the machine but it wouldn't accept it and she called me quite distressed. I telephone Excel and was spoken to no better than something on the bottom of my shoe. She received a £60 "fine" and I wrote to them explaining what had happened and about her health and the death of her husband and asked them to contact myself and she had had 3 strokes because of all the stress. They did and accused me of driving the vehicle etc, though I live 90 miles away. I had sent them £4 to pay for the parking and administration fees. The letter was disgusting and gave a telephone number that was premium rate even though they have a normal number which would cost less.....another way of obtaining money. I did some checking and as my cousin is very disabled and uses a scooter she has to load and unload when in use, I looked at the car park in Providence street and reported it to Disability rights, as there are severe potholes, raised concrete, insufficient lighting which puts a detriment not only to disabled people but to children ect. I contacted your MP and Wakefield Express telephoned me and my cousins "fine" was cancelled. I telephoned on Monday 256/1/10 and was informed that it hadn't been cancelled and that they wanted £96. I contacted the newspaper and MP and it was confirmed that the "fine" was cancelled and I would get confirmation in the post. I telephoned today as I hadn't received the confirmation and yet again was treated like dirt, so I said becaust the "fine" had been cancelled then they had to repay my £4, if I dont receive it within 14 days I will increase it to £5. Anyone who has had these parking"fines", please look at the state of the car park, look at your rights, On Health and safety for parks and recreation grounds they must be safe for children eg no potholes or raised flagstones etc. If you were to fall in the car park due to the neglected state of it they would be responsible. I also stated that once you have entered into their car park, you are "guilty after the fact" as you cannot read their terms and conditions until you have entered and by reading this forum if you leave immediately you still get fined. I wish you all the best.