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    • His financial situation isn’t great, and the landlord has made lots of things up. The things he’s put isn’t true at all. My friend did tell the full truth with incoming and outgoing, I helped him fill in his form and he checked bills etc. to make sure it was right. His wage is ok, but not as good as the landlord thinks it is,  and he doesn’t have anything spare. How much are they likely to take from him? Should he send any reply?  the letter just says to take the court letter with him. 
    • Hi and thanks It looks like they ticked all the boxes to me but I'll try and upload the notice. I was wondering if a witness to late delivery might be considered proof - I'm assuming they posted it as normal but Royal Mail stuffed up delivery. If not then they're really saying it just has to be posted within 12 days of the incident, regardless of when it is received. Annoying! pcn front.pdf pcn back page.pdf
    • Hi welcome to the Forum.  If a PCN is sent out late ie after the 12th day of the alleged offence, the charge cannot then be transferred from the driver to the keeper.T he PCN is deemed to have arrived two days after dispatch so in your case, unless you can prove that Nexus sent the PCN several days after they claim you have very little chance of winning that argument. All is not lost since the majority of PCNs sent out are very poorly worded so that yet again the keeper is not liable to pay the charge, only the driver is now liable. If you post up the PCN, front and back we will be able to confirm whether it is compliant or not. Even if it is ok, there are lots of other reasons why it is not necessary to pay those rogues. 
    • Hi 1 Date of the infringement  arr 28/03/24 21:00, dep 29/03/24 01.27 2 Date on the NTK  08/04/2024 (Date of Issue) 3 Date received Monday 15/04/24 4 Does the NTK mention schedule 4 of The Protections of Freedoms Act 2012?  Yes 5 Is there any photographic evidence of the event? Yes 6 Have you appealed? [Y/N?] post up your appeal] No  7 Who is the parking company? GroupNexus 8. Where exactly [carpark name and town] Petrol Station Roadchef Tibshelf South DE55 5T 'operating in accordance with the BPA's Code of Practice' I received a Parking Charge letter to keeper on Monday 15/04/24, the 17th day after the alleged incident. My understanding is that this is outside the window for notifying. The issue date was 08/04/2024 which should have been in good time for it to have arrived within the notice period but in fact it actually arrived at lunchtime on the 15th. Do I have to prove when it arrived  (and if so how can I do that?) or is the onus on them to prove it was delivered in time? All I can find is that delivery is assumed to be on the second working day after issue which would have been Weds 10//04/24 but it was actually delivered 5 days later than that (thank you Royal Mail!). My husband was present when it arrived - is a family member witness considered sufficient proof?
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Welcome finance gave me a ccj ***WON*** plus Costs & CCJ set aside..'


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Brief outline on this one.

I bought a car on finance from welcome finance back in 2002,i had it for about a year and then i was struggling with the payments,they were £160 a month,i rang my local office and i went in and they said they could lower the payments fo me,they done this by doing the loan again,they dropped them to £92 a month,they said they would add the remainder of the other loan i had to the new one,which was about £2000,i went away happy.After 5 years i finished paying for it in 2006.again i was happy.

This year i recieved a letter saying i still had an outstanding balance of £2000 with them,i in my stupidity ignored it,thinking i had paid it all off.In june i got a letter to say i had been given a county court judgment from northampton court,and i also now have an attatchment of earnings taking £20 a week.I visited my local welcome finance office,and the guy i spoke to said "it was from 2002"now this was when i dropped the payments.i thought they had added it to the other loan,and as i had paid that one off,i thought i was finished but according to them i havent and i need to pay them the £2000 or so to.

 

Is this right??does this mean they kept the other loan open??

 

I am at a loss,not sure what to do.

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Personally I would send a SAR to Welcome and a CA request to see exactly what they have done.. but I understand that Welcome are having problems at the moment so I don't know where that will leave you.:confused:

 

Spam.:)

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They say money talks......mine just keeps saying "Goodbye"

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How do i go about sending a subject access request?There is a template letter in the forum, I will try and find it for you. You basically send the letter with a £10 postal order and request all the information they hold on you under the Data Protection Act.and what is a CA request?? A CA Request is a Credit agreement request which is when you ask for a copy of your Credit agreement(s)what did u mean that welcome are having problems??financial trouble,is this why they are chasing me for this It would appear that they are goting 'bust' but I am not completely up on the subject, Others on the forum may be.

 

I hope this has helped. I'll find the Templates and post them for you.

 

Spam.:)

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They say money talks......mine just keeps saying "Goodbye"

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http://www.consumerforums.com/resources/templates-library/86-debt-collectors/576-subject-access-request-debt-a-dca

 

this one for SAR,should contain your cca,no need to request separate,

would send to compliance,

SAM

Thanks for finding that Sam I couldn't remember where it was.:rolleyes:

 

I agree that they should send CA in SAR but I didn't know if it was worth a CA request as it's a shorter time limit to produce.:cool:

 

Good luck smiffer, and it might be worth looking in the Welcome Finance forum to see the state of play with regards to their possible demise.:lol:

 

Spam.:)

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They say money talks......mine just keeps saying "Goodbye"

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they will try anything to get what they can now,before they sink:D

 

would get moved to welcome forum

get postggi to take a look.

 

send SAR to

 

welcome finance

ruddington fields business park

mere way

nottingham

ng11 6nz

 

SAM

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http://www.consumerforums.com/resources/templates-library/86-debt-collectors/576-subject-access-request-debt-a-dca

 

this one for SAR,should contain your cca,no need to request separate,

would send to compliance,

SAM

 

I would advocate requesting your sec 77/78 request seperately and recorded delivery enclosing a £1.00 PO and print your name no signiture.This places the Claimant under time restiction of 12+2 and places them in default of your request quicker than the S.A.R which they will probally ignore.

 

Regards

 

Andy

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andyorch

 

i think a cca would be no good on this one as a ccj has been granted.

welcomes response would be that they are under no obligation to provide one now the account has been terminated by a ccj

 

an sar is a different matter

they have to, by law, respond

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andyorch

 

i think a cca would be no good on this one as a ccj has been granted.

welcomes response would be that they are under no obligation to provide one now the account has been terminated by a ccj

 

an sar is a different matter

they have to, by law, respond

 

Ok lets see if they provide it within the S.A.R? Bet you they dont.

How many threads on here postggi are S.A.Rs complied with??

In any event im sure the OP is looking to have this CCJ set a side to be able to re defend it and the above request is how I would initiate it.

 

Regards

 

Andy

Edited by Andyorch

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postggj

 

Regarding the questions u asked

 

Yes the solicitor was a Mr cohen from west yorkshire.

as for the attachment of earnings,i am not sure where it came from as i can't find the paperwork,i could ask the guy at work who does our wages,would he know??

 

What do you think i should send them?? a cca or the other one,i am not that good with legal stuff so i really have no idea.

 

i believe i did sign a new agreement,so have i re-wrote the loan,and what does that mean for me?they said they would add the outstanding from the other one,to the new one,i'm sure thats what they said,but it was in 2002 7 years back,and i cant find any of my agreements,i know i have kept them,just not sure where (DOH)

 

andyorch "is looking to have this CCJ set a side to be able to re defend it".Yeah this would be what i would like to do.

 

Is there anyway i can get a copy of the agreements i have made with them??

 

Is this the welcome finance forum

http://www.consumeractiongroup.co.uk/forum/search.php?searchid=2570607

 

i done a search and thats what i got?Oh big thanks to you people for trying to help me,much appreciated.

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you need to send welcome an sar to compliance

 

welcome financial services

compliance

ruddington fields biz park

ruddington

nottingham

ng11 6nz

 

send recorded delievery

enclose ten quid postel order

print dont sign your name

 

we will get this ccj set asside if its the last thing i do as its cohen again

 

cretin

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who do i make the postal order out to??or do i leave it blank.

 

do i use what sam posted in an earlier reply to this thread.this one

http://www.consumerforums.com/resources/templates-library/86-debt-collectors/576-subject-access-request-debt-a-dca

 

do i just print it,and put my name on the bottom? sorry to ask to many questions but i really am not sure .

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Smiffer

 

I would request both then you have all bases covered,Only costs a £1.00 PO.Leave the PO blank just retain your reciepts and proof of postage.They will not comply fully with the S.A.R but if they ignore yout CCA sec 77/78 request they know the law and would look excellent in your Defence should you succeed in setting a side.

 

Regards

 

Andy

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Hi Smiffer,

 

Just to add my little bit. This is the Welcome finance forum.

 

Welcome Finance - The Consumer Forums

 

I must admit I agree with Andy and I think if you can afford it both requests is the best idea... I know for the likes of Barclaycard, that they don't think a SAR includes sending a Credit agreement so a separate request under a different act is always worth a shot.

 

Spam. :)

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They say money talks......mine just keeps saying "Goodbye"

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Ok so i am sending

an S.A.R request and a CCA? and am i right to just print the S.A.R and put my name at the bottom,and make the postal order out to welcome financial services??

 

What do i print for the CCA? and i leave the postal order for £1.00 blank?

 

do i send both of these to the address that postggj put in his last post here?

 

sorry to ask again,but i want to get it right.

 

I spoke to the guy at work who does the wages today,and he said the money is being paid to the court,and then it is forwarded to welcome finance,if thats any help?i am still trying to find my agreement/s as well but am not having any luck.

Edited by smiffer
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Hiya,

 

What do i print for the CCA?

 

It's post number 15 in here. If you click the link it should take you straight there.

 

http://www.consumeractiongroup.co.uk/forum/general-debt-issues/20758-creditors-dcas-letter-templates.html#post162367

 

Spam.:)

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They say money talks......mine just keeps saying "Goodbye"

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