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    • ps i doubt the PCN says macdonalds?? MET dont operate a reverse trespass car park for mc'd's parkers going to starbucks...(occupants left vehicle claim) they only do that for the starbucks part  i bet you parked in the starbuck side and walked to MCd's? dx    
    • it is NOT A FINE.....this is an extremely important point to understand no-one bar a magistrate in a magistrates criminal court can ever fine anyone for anything. Private Parking Tickets (speculative invoices) are NOT a criminal matter, merely a speculative contractual Civil matter hence they can only try a speculative monetary claim via the civil county court system (which is no more a legal powers matter than what any member of Joe Public can do). Until/unless they do raise a county court claim a CCJ and win, there are not ANY enforcement powers they can undertake other than using a DCA, whom are legally powerless and are not BAILIFFS. Penalty Charge Notices issued by local authorities etc were decriminalised years ago - meaning they no longer can progress a claim to the magistrates court to enforce, but go directly to legal enforcement via a real BAILIFF themselves. 10'000 of people waste £m's paying private parking companies because they think they are FINES...and the media do not help either. the more people read the above the less income this shark industry get. where your post said fine it now says charge .............. please fill out the Q&A ASAP. dx  
    • Well done on reading the other threads. If ECP haven't got the guts to do court then there is no reason to pay them. From other threads there is a 35-minute free stay after which you need to pay, with the signs hidden where no-one will read them.  Which probably explains why ECP threaten this & threaten that, but in the end daren't do court. As for your employer - well you can out yourself as the driver to ECP so the hamster bedding will arrive at yours.  Get your employer to do that using the e-mail address under Appeals and Transfer Of Liability.  
    • good you are getting there. Lloyds/TSb...i certainly would not be risking possible off-setting going on if a choice were there, but in all honestly thats obv too late now..., however..you might not never be in that situation so dont worry too much. regardless to being defaulted or not, if any debt that is not paid/used in 6yrs it becomes statute barred. you need to understand a couple of things like 'default' and 'default notice' a default is simply a recorded D in the calendar section/history of a debt, it does not really mean anything. might slightly hit your rating. the important thing here is a default notice , these are issued by the original creditor (OC) under the consumer credit act, it gives you 14 days to settle whatever they are asking, if you don't then they have the option to register a defaulted date on your credit file. that can make getting other credit more difficult. and hits your rating. once that happens, not matter what you do after that, paying it or not or not paid off or not, the whole account vanishes from your credit file on the DN's 6th b'day. though that might not necessarily mean the debt is not still owed - thats down to the SB date above. an OC very rarely does court and only the OWNER of a debt can instigate any court action (Attempted a CCJ) DCA's debt collection agencies - DCA's are NOT BAILIFFS they have ZERO legal powers on ANY debt - no matter what it's TYPE. an OC make pass a debt to a dca as their client to try and spoof people into paying through legal ignorance of the above statement. an OC may SELL on an old debt to a DCA/debt buyer (approx 10p=£1) and then claim their losses through tax write off and their business insurance, wiping their hands of the debt. the DCA then becomes the debt OWNER. since the late 70's dca's pull all kinds of 'stunts' through threat-o-grams to spoof a debtor into paying them the full value of the debt, when they bought if for a discounted sum (typically 10p=£1). you never pay a dca a penny! if read carefully, NONE of their letters nor those of any other 'trading names' they spoof themselves under making it seem it's going up some kind of legitimate legal 'chain' say WILL anything....just carefully worded letters with all kinds of threats of what could/might/poss happen with other such words as instruct forward pass... well my dog does not sit when instructed too...so... DCA's SOMETIMES will issue a court claim, but in all honesty its simply a speculative claim hoping mugs wet themselves and cough up...oh im going to court... BIG DEAL DCA - show me the enforceable paperwork signed by me...9/10 they dont have it and if your defence is conducted properly, most run away from you . however before they do all that they now have to send a letter of claim, cause the courts got fed up with them issuing +750'000PA speculative claims and jamming up the legal system. so bottom line is two conclusions.... if you cant pay a debt, get a DN issued ASAP (stop paying it!) make sure it gets registered on your file then it stops hurting your file/future credit in 6yrs regardless to what happens (bar of course a later DCA CCJ - fat chance mind!)  once you've a registered DN , then look into restarting payments if the debt is still owed by the OC, if SOLD to a DCA, don't pay - see if they issue a letter of claim (then comeback here!).        
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in relation to this welcome have a habbit of putting in an acceptance fee before calculating interest

racks up the profit

again a no no

peter barred is your man on this

if they have filled it in wrongly then it is most likely unenforceable, this IMO is what you need clarifying. can you get any legal help, if so, a solicitors letter will get them moving pronto

 

LSC Website : Civil legal aid eligibility)

'rise like lions after slumber, in unvanquishable number, shake your chains to the earth like dew, which in sleep had fall'n on you, ye are many, they are few.' Percy Byshse Shelly 1819

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Hi, I've just used the calculator for legal aid and i am eligible for it.

 

I've not mentioned anything to Welcome Finance about my agreement, I wanted to get some advice of here first. so i'm not sure how i go about it

 

in relation to this welcome have a habbit of putting in an acceptance fee before calculating interest

racks up the profit

again a no no

peter barred is your man on this

 

i'm not sure if that is what they have done that's why i initially wanted Peter Barred to look at it but i've been told he isn't very well at the minute , A link is on this thread if you want to have alook it's not very readable though but that's the one they sent.

 

Thanks

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cant quite read the info on it but judging by the previous comments, and the agreement enforceability thread in which Peter explains the proper format - yours sounds like it fits. ring the LSC and find a solicitor that specialises in consumer affairs, google it, WFS are known about so it wont be hard, then they will look at the agreement and assess your liklihood of challenging them, they will take it from there, WFS continue to bully those they think they have a chance against in court (usually litigants in person) but they can and have been challenged in court

 

ps its Bard not Barred:)

'rise like lions after slumber, in unvanquishable number, shake your chains to the earth like dew, which in sleep had fall'n on you, ye are many, they are few.' Percy Byshse Shelly 1819

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Can anyone help me with my WF charges as i might aswell do it all together so i can give the solicitor an overall picture of what's been happening . Or do you think i should leave it to see what happens with my credit agreement as if it is unenforceable i won't need to reclaim anyway.

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my understanding is that the FOS will not pursue a matter that is going to court (cross that bridge when you come to it) and that the ICO may well suggest it is a court matter.

 

you could get the ball rolling and walk away if and when nec.

'rise like lions after slumber, in unvanquishable number, shake your chains to the earth like dew, which in sleep had fall'n on you, ye are many, they are few.' Percy Byshse Shelly 1819

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I'm gonna go to the CAB first as i've been told to get it checked there to save some money, I'm actually struggling to find a solicitor near me that does it with Legal Aid. but i'm gonna see how it goes on Thursday when my local CAB is open.

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I've finally managed to post off my complaints to the ICO and FOS by recorded delivery but it seems only the ICO has been signed for so i'll keep checking on the royal mail website to make sure it gets there.

 

Also i finally managed to see the CAB regarding my Credit Agreement as i'm struggling to find a solicitor near me who does legal aid aswell. I've got to go back on the 23rd September to sort it out with some other things so hopefully i will find out then if it's unenforceable.

 

Today i've recieved a letter from the DCA who are dealing with it, I've not heard from them for months. should i send an account in dispute letter.

 

:)

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hi animal lover

just tell the dca by letter the account is in dispute as the ico, or fos is dealing with the matter

 

may i ask who is the dca

 

i may get my wrists slapped for this but a firm of solictors called stephensons will check your agreement for free

they deal mainly with yes car credit agreements, but ime sure they will check your agreement

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I recieved a reply from Welcome for the complaint i sent to ICO.

 

They told me that all the info i recieved in the S.A.R is all the information they hold on me. so that means they don't have.

 

Copy of Underwriting Sheet

Insurance Details

Details of who my policy is with including ref and PPI gaps

Copy of Default Notice

Details of the person who sold me the policy and confirm if they are qualified to give financial advice, along with proof.

Original agreement to be sent to Cholton for inspection.

 

I haven't heard from ICO yet.

 

What should i do know, should i leave it to the ICO

 

AL

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hi animal lover

 

people who leave posts on welcome, i allways get them to request info on ppi insurances, under writing etc

 

to date welcome have never replied to this request,

typical fobb off letter

from the beginning i have allways believed these insurances are in house for max profit.

if it can be prooved that welcome are doing this, it could be the end for them.

 

i think you need to contact the ico for them to order welcome to release this data

 

makes you think

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The Information Commisioners Office already have my complaint, they recieved it about a week ago so i'm just waiting for them to respond to it. I'm not sure anout the Financial Ombudsman complaint as it's still showing as not being signed for but i have recieved 2 or three replies to letters i sent at the same time that haven't been signed for so i'm hoping they have recieved it.

 

If they don't have anything on my PPI then how can they refuse to cancel it :mad:. And my default i've got it on all 3 of my files but they haven't got he default notice. I'll be glad when it's all over.

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