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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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Query in regards to Welcome Finance


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I have sent away my SAR but I also sent a letter requesting they cancel my PPI and inform me of my new monthly payment. This letter was sent 2 weeks ago and I still have not had a response from them - how long should I give them? My next payment is due a week today - should I allow this payment to go through as normal?

 

Thanks.

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I have sent away my S.A.R - (Subject Access Request) but I also sent a letter requesting they cancel my PPI and inform me of my new monthly payment. This letter was sent 2 weeks ago and I still have not had a response from them - how long should I give them? My next payment is due a week today - should I allow this payment to go through as normal?

 

Thanks.

 

Hello Fabio,

 

Did you give them any time limits when you asking that the ppi was cancelled.

 

I would maybe give them a nudge, and informing that your the cancellation started from the date of the letter that you sent, so therefore all further payments should be taken into consideration. Even if this payment does go through, you will still be able to reclaim it back with all the other payments that you have made:D

 

Good luck and keep us posted

If any of my posts are helpful, please feel free to click my scales. All information is given as my opinion only, based on my own personal experiences. I have no legal training, but have educated myself in aspects of consumer legislation. My motto "NEVER GIVE IN, NEVER SURRENDER", THERE IS A WAR ON YOU KNOW

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I didn't give them any timescales in regards to the cancellation so I will send them another letter. Thanks for the help.

 

I'll keep you all updated on how things progress. My PPI on this current loan is over £800 - this one started in February so near enough all my payments so far have gone to only paying this off!

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Hi there, Welcome Finance are a nightmare - they apparently have a policy of not replying to letters!! When you write to them, make sure you send recorded delivery and then check it has been signed for on Royal Mail website (print off confirmation - you'll probably need it!). I ended up emailing copies of letters and recorded delivery receipts to the Chief Executive of their parent company Cattles - they soon moved then - the branch staff were falling over themselves to be helpful and the cheque for the PPI was received within 2 weeks.

 

If you get no reply to your letter please let me know and I'll give you the Cattles contact details. Also, be careful when they re-write your agreement, again let us know when that is imminent.

 

Are you writing to their head office or branch address? I have the contact details for the Compliance Officer at HO in Ruddington if you want it.

 

Kind Regards

 

Ell-enn

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My advice is based on my opinion and experience only. It is not to be taken as legal advice - if you are unsure you should seek professional help.

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I didnt send my letter Recorded Delivery but I did send my SARS letter recorded delivery. I sent the cancellation letter to my local branch who deal with my loan. I will send them another letter by Recorded Delivery asking them to confirm the cancellation and also my new monthly payment. I will also put in the letter that if they fail to respond within 5 days then I will be forwarding all the details onto Cattles. After I have cancelled do I then send my request for my refund? Is it as simple as that?!?

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Hi, You should ask for the return of all premiums paid to date when you send your letter of cancellation. If they don't respond (and the branch are unlikely to!) then send a letter to head office with copies of all your letters to branch and also copies of the royal mail signed for receipts. In all probability the branch will say they never received your letters so you need proof!

The contact details at Welcome HO are:

 

Compliance Officer (sent you her name in a PM)

Compliance Department

Welcome Financial Services Limited

Mere Way

Ruddington Fields Business Park

Ruddington

Nottingham

NG11 6NZ

 

If they do not respond I will let you know the Cattles PLC contact details.

 

Remember, send everything recorded delivery and print off the royal mail receipts, Welcome have a really bad habit of saying they've never received letters.

 

If you can wait until tomorrow I will send you copies of letters (they are on my PC at work) to Welcome which were successful. Please let me know.

 

Best Regards

 

Ell-enn

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Please consider making a donation, however small, if you have benefited from advice on the forums

 

 

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My advice is based on my opinion and experience only. It is not to be taken as legal advice - if you are unsure you should seek professional help.

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I didnt send my letter Recorded Delivery but I did send my SARS letter recorded delivery. I sent the cancellation letter to my local branch who deal with my loan. I will send them another letter by Recorded Delivery asking them to confirm the cancellation and also my new monthly payment. I will also put in the letter that if they fail to respond within 5 days then I will be forwarding all the details onto Cattles. After I have cancelled do I then send my request for my refund? Is it as simple as that?!?

 

Hello Fabio,

 

As Ell-en suggested, do all letter now by recorded delivery.

After they have given you confirmation of cancellation then send you preliminary letter to them asking them to refund the ppi payments you have made to them. You have to quote your reasoning behind your reasons why it was mis-sold to you.

 

Now as for you asking is it as simple as that, yes it is, but you must be prepared to fight a bit for it and persist with it. They will more than likely deny it. So keep at them. Then comes your letter before action and if still nothing from them, ACTION, which is reporting them to the FOS (if it within their time restraints) or court.

 

There are a few threads regarding ppi and WF, maybe read them

 

Just ask if you don't understand anything.

 

We are all here to help

If any of my posts are helpful, please feel free to click my scales. All information is given as my opinion only, based on my own personal experiences. I have no legal training, but have educated myself in aspects of consumer legislation. My motto "NEVER GIVE IN, NEVER SURRENDER", THERE IS A WAR ON YOU KNOW

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Hi,

In a similar situation here, wrote to Welcome last month as I was sold ppi despite having existing medical condition (clinical depression which has recurred twice.)

Also told them to cancel my insurance immediately. I only got the loan in March of this year so haven't paid too much off so far but the ppi was of no use to me yet i was told i had to have it etc and from what i've read on here i am definitely not alone.

Anyhow, got letter back last week basically telling me to get knotted and that it was their final response etc. but no mention of the insurance being cancelled and they still took the full amount on my last payment nearly 3 weeks after receiving my letter.

Am really not sure what to do now any help would be greatly appreciated!

Pleeeaaasseeee!!! Am new at this, can't you tell?:roll:

 

Ell-enn if you could spare a copy of those success letters I'd be eternally grateful :)

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Hi,

In a similar situation here, wrote to Welcome last month as I was sold ppi despite having existing medical condition (clinical depression which has recurred twice.)

Also told them to cancel my insurance immediately. I only got the loan in March of this year so haven't paid too much off so far but the ppi was of no use to me yet i was told i had to have it etc and from what i've read on here i am definitely not alone.

Anyhow, got letter back last week basically telling me to get knotted and that it was their final response etc. but no mention of the insurance being cancelled and they still took the full amount on my last payment nearly 3 weeks after receiving my letter.

 

Hi there, what did you put in the letter you sent asking for cancellation? Did you use one of the CAG templates?

 

Kind Regards

 

Ell-enn

Help us to keep on helping

Please consider making a donation, however small, if you have benefited from advice on the forums

 

 

This site is run solely on donations

 

My advice is based on my opinion and experience only. It is not to be taken as legal advice - if you are unsure you should seek professional help.

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