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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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Hi guys not sure if anyone has covered this yet but the insurer is still Norwich union and any claims are dealt with by some mob called direct group (to which i have an address for if anyone wants it :D) who will try to use any excuse to get out of paying luckily im not a muppet and had them banged to rights within 2 mins of call after receiving a letter saying naw we aint gonna pay you and a nice little cheque a week llater from welcome for payments already made

 

Keep up the good fight!!!!!!!!!!!!

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:eek: I am in awe! You not only got a cheque from welcome but in a week?!

 

Was the cheque a refund of your PPI and was it from Welcome, Direct Group or somewhere else?

Dipply75

 

I am in no way a legal advisor and only speak from my own experiences and the helpful advice of those in the same boat! :p

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Hello everyone

I am new here and this is my 1st post

I have a personal loan with welcome Finance, for about 3 months now. I pay by direct debit and have never missed a payment.

I received letter today from them, called Notice Of Default Sums, for 50£. Reason for this is skip trace. But...why? Please could help me because I cant afford 50£ to pay, for something I dont understand? Whar options do I have?

thank you

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Morning Animal lover, that looks like one of their standard threats. They have stated they have been given a specific instruction from Welcome so defo send postggj's letter so that if they were to start anything, it's their own decision after being informed of the dispute.

 

I would also do a quick letter to Welcome demanding to know why they have authorised litigation proceedings for a dispute that the FOS is currently dealing with (which they probably haven't) - are they purposefully attempting to waste the FOS's time?

 

If they reply that they haven't then start the whole complaints process against Global. Don't give them an inch!:D

Dipply75

 

I am in no way a legal advisor and only speak from my own experiences and the helpful advice of those in the same boat! :p

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Hi postggj, all.

 

Although I HATE maths, time to have a bash. Have been doing some digging and would like to pose a 'scenario'.

 

Insurance Premium Tax (IPT) from what I can gather is 5% of the taxable premium. Now there are various rules about what counts as the taxable premium paid but basically, it is the full amount paid in relation to the policy premium - including commision, charges (whether those charges are called 'interest' or not) etc.

 

The only time the interest/commission etc is exempt from the tax is if these are part of a SEPERATE contract with the customer. OK.

 

Now you may think your loan agreement, regulated under the CCA, showing the insurance and the interest charged on it would cover this - but I am not so sure. The premium you are charged is on the same contract as the interest charges - the monthly payments you pay are all together - nothing seperate. OK.

 

So a company should be paying IPT of 5% on the total amount you have paid for your insurance? Hmmmm, have a look at the breakdown the lovely Mr Scothern gave this cagger in post 18. To me £90.64 is NOT 5% of the total amount they paid for that premium.

 

welcome finance and ppi **WON** - The Consumer Forums

 

Then....there is a company called Homeserve who were caught out recently along the same lines. They were selling insurance cover for boiler breakdown etc and along with the premium charged for the policy they were adding £14 admin charge. They stated in their paperwork that this was a seperate contract with Homeserve and were not paying the 5% IPT on that £14.

 

Except there was no actual seperate contract in actual existence and the £14 charge was included with the monthly premium payments - again, all together - nothing actually seperate, whether implied or not.

 

They argued, HMRC went to court and the judge ruled for HMRC. Homeserve now have to pay back all those little 5%'s of £14 on each policy underpaid - which comes in at just under 1 million.

 

Hope that is clear enough lol - now have another look at the figures quoted on the link about. I wonder...............

Dipply75

 

I am in no way a legal advisor and only speak from my own experiences and the helpful advice of those in the same boat! :p

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Dipply75

 

I am in no way a legal advisor and only speak from my own experiences and the helpful advice of those in the same boat! :p

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dipply

 

what we have here is dynamite

 

i have just spoken to my pal.

he works in a local insurance office

 

welcome have to pay the 5% insurance tax

to any body fighting ppi claims with these pirates,

 

when they sell you ( force ) the insurance on you, they have to tell you that they get commission

this has to be in the terms and conditions of selling the policy.

this needs to be given to you at point of sale

 

they are allowed to do an addmin charge, but this must be told to you

 

this must be a small one off charge , not paying it through the length of the policy, at the high apr

 

welcome now have some explaning to do

 

gotcha

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Hi guys, really think we could be onto something here? Apparently, as we are part of the EU there is also something called 'Liability of the Insured'. Under EU law for Insurance Premium Tax, if the insurer has not fully paid the IPT due, the insured can actually be held liable for it!

 

Now I know that would be for large amounts and mostly business dealings (HMRC have already tried using this law against a UK company) but it does mean that not only do you have a duty, but it's in you own interests to ensure the IPT on your premium is fully paid. Could be just the doorway we need to demand proof of how much they paid and to who.

 

When my OH asked for his statements etc (not a full SAR) they sent (in error methinks!) lots of paperwork he had never seen before relating to his PPI, all with his signature on, forged. There was one with a breakdown of figures, will have to find this and see if IPT is listed and if the 5% is not fully paid I can go straight to the HMRC and test the water maybe?

Dipply75

 

I am in no way a legal advisor and only speak from my own experiences and the helpful advice of those in the same boat! :p

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dipply

 

what we have here is dynamite

 

i have just spoken to my pal.

he works in a local insurance office

 

welcome have to pay the 5% insurance tax

to any body fighting ppi claims with these pirates,

 

when they sell you ( force ) the insurance on you, they have to tell you that they get commission

this has to be in the terms and conditions of selling the policy.

this needs to be given to you at point of sale

 

they are allowed to do an addmin charge, but this must be told to you

 

this must be a small one off charge , not paying it through the length of the policy, at the high apr

 

welcome now have some explaning to do

 

gotcha

 

This is great - how many caggers have already either had to ask about commission and still had no answer, or been told no commission is paid.

 

For all the caggers given the basic policy T&C's on Welcome headed paper, nothing about any of this.

 

Oh dear :D

Dipply75

 

I am in no way a legal advisor and only speak from my own experiences and the helpful advice of those in the same boat! :p

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Animal Lover, I cannot wait to see if they reply to you and see what they say lol.

 

Found the OH's paperwork. I think I will have to sit with my local trading standards, and take a packed lunch. There have been so many facts and figures that just didn't add up - till now. There is sneakiness you would not believe. and they have NOT paid 5% on the full amount.

 

If we can prove what they have done with this agreement it should make animal lovers, and others, refunds plain sailing as they will know exactly what to ask for and prove.

 

Will dig out my scanner and get it posted on my thread to show you as I need help going through it all and to make sure I am on the right track!

Dipply75

 

I am in no way a legal advisor and only speak from my own experiences and the helpful advice of those in the same boat! :p

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It gets better everyday :D

 

I'll make sure i send regular letters asking for updates on the investigation as they might "forget"

 

They said within 4 weeks it's been a week and no reply so i'll send one towards the end of the week and see what they say.:D

 

Keep up the great work :)

 

I'm not very good at this type of thing but if you need me to do anything just let me know :)

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