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    • The case against the US-based ride-hailing giant is being brought on behalf of over 10,800 drivers.View the full article
    • I have just read the smaller print on their signs. It says that you can pay at the end of your parking session. given that you have ten minutes grace period the 35 seconds could easily have been taken up with walking back to your car, switching on the engine and then driving out. Even in my younger days when I used to regularly exceed speed limits, I doubt I could have done that in 35 seconds even when I  had a TR5.
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    • Thank you for posting up the results from the sar. The PCN is not compliant with the Protection of Freedoms Act 2012 Schedule 4. Under Section 9 [2][a] they are supposed to specify the parking time. the photographs show your car in motion both entering and leaving the car park thus not parking. If you have to do a Witness Statement later should they finally take you to Court you will have to continue to state that even though you stayed there for several hours in a small car park and the difference between the ANPR times and the actual parking period may only be a matter of a few minutes  nevertheless the CEL have failed to comply with the Act by failing to specify the parking period. However it looks as if your appeal revealed you were the driver the deficient PCN will not help you as the driver. I suspect that it may have been an appeal from the pub that meant that CEL offered you partly a way out  by allowing you to claim you had made an error in registering your vehicle reg. number . This enabled them to reduce the charge to £20 despite them acknowledging that you hadn't registered at all. We have not seen the signs in the car park yet so we do not what is said on them and all the signs say the same thing. It would be unusual for a pub to have  a Permit Holders Only sign which may discourage casual motorists from stopping there. But if that is the sign then as it prohibits any one who doesn't have a permit, then it cannot form a contract with motorists though it may depend on how the signs are worded.
    • Defence and Counterclaim Claim number XXX Claimant Civil Enforcement Limited Defendant XXXXXXXXXXXXX   How much of the claim do you dispute? I dispute the full amount claimed as shown on the claim form.   Do you dispute this claim because you have already paid it? No, for other reasons.   Defence 1. The Defendant is the recorded keeper of XXXXXXX  2. It is denied that the Defendant entered into a contract with the Claimant. 3. As held by the Upper Tax Tribunal in Vehicle Control Services Limited v HMRC [2012] UKUT 129 (TCC), any contract requires offer and acceptance. The Claimant was simply contracted by the landowner to provide car-park management services and is not capable of entering into a contract with the Defendant on its own account, as the car park is owned by and the terms of entry set by the landowner. Accordingly, it is denied that the Claimant has authority to bring this claim. 4. In any case it is denied that the Defendant broke the terms of a contract with the Claimant. 5. The Claimant is attempting double recovery by adding an additional sum not included in the original offer. 6. In a further abuse of the legal process the Claimant is claiming £50 legal representative's costs, even though they have no legal representative. 7. The Particulars of Claim is denied in its entirety. It is denied that the Claimant is entitled to the relief claimed or any relief at all. Signed I am the Defendant - I believe that the facts stated in this form are true XXXXXXXXXXX 01/05/2024   Defendant's date of birth XXXXXXXXXX   Address to which notices about this claim can be sent to you  
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Welcome Finance - "Fantastic Statement"


philballard30
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Hi All,

 

Nearly fell off my chair this afternoon, when i received a statement from Welcome Finance.

Opened it and did fall off my chair, what the hell am i paying for? i note the word "Capitalisation" and a £46.xx amount debited every month i was paying £69.73 a month and they've been taking these amounts for a while (so effectively i've only been paying £20 or so every month!!) this will take my entire life to pay off! i've attached it if any one wants to have a look, my missus wants me to get an IVA and try and get some written off and the interest frozen, but i don't know, i want to get a subject access request and find out everything and then do battle with them as i think this is very unfair.

 

Welcome Finance - Statement picture by philballard30 - Photobucket

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Unreadable, too small.

Please note: I give advice, in good faith, based on my reading and experience. Please satisfy yourself, that any advice given is accurate in content before acting upon it.

A to Z index

http://www.consumeractiongroup.co.uk/forum/site-questions-suggestions/53182-cant-find-what-youre.html

 

...........................................................................

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The Capitalisation is the interest! At the beginning of a loan you pay more interest than capital. The interest (Capitalisation) reduces each month.

 

See the attachment for how your loan will run down from month 1 to month 120!!

 

BobbyH

 

P.S. It won;t take you entire life to pay off but 120 months as per the credit agreement!! unless of course you fall into arrears!!!

Loan Schedule.pdf

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why have you started paying £94

 

they cant charge you £10 for a phone call see penalty charges etc ask the guys on here about how best to get these back. Is your agreement legit as welcome have a habit of mucking it up.

 

I up'ed my repayments after a phone call, i know i shouldn't have done, they charged me for 2 non-existent phone calls, they've had no call to ring me as i haven't been in arrears for over a year, and they've been cleared, and i pay monthly by direct debit, i want these charges back, should i get a subject access request and see what they've got on me??

 

any advice, i'm a little upset by all this.

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i would post your agreements to someone on this site postggj is good & a few others know some stuff if you post some questions one of the "experts" will be along soon enough. How many times have you been in arrears with them & have you had any calls / failed direct debits

 

I would say the best thing is to get the contract looked at do you have the original copies ? if not then you can send a CCA request by recorded delivery & send a £1 postal order with it.

 

I am not great with the legal stuff but i am learning

 

hope i can help you

 

regards

 

martyn

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i would post your agreements to someone on this site postggj is good & a few others know some stuff if you post some questions one of the "experts" will be along soon enough. How many times have you been in arrears with them & have you had any calls / failed direct debits

 

I would say the best thing is to get the contract looked at do you have the original copies ? if not then you can send a CCA request by recorded delivery & send a £1 postal order with it.

 

I am not great with the legal stuff but i am learning

 

hope i can help you

 

regards

 

martyn

 

 

I was in arrears with them quite a bit early on in the agreement but i think i'm clear, but i may have also had 1 failed direct debit, but this is all historical i've been making regular payments on time for the last 2 years. no calls except asking me if i can pay more (that's noly happened recently) i might be ablr to lay my hands on the original agreement, but, and this is where it gets sticky, it's one of those magical 'secured-on-property-then-when-account-holder-sells-property-turn-it-unsecured!! jobs. i will update when i have the papers if not i'll have to request them.

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Phil,

 

I had a loan secured on my property, the loan was taken in 2005, however due to financial problems I had to sell the property it was secured on with Welcomes permission but they never chenged the loan agreement, haven't signed a new one payments haven't changed, absolutely nothing has changed except I no longer own a property and the loan is no longer secured on anything.

 

The only thing that allowed me to do this was they got a lump sum payment when I sold the house, and just to confirm there was negative equity in the property and I am still paying a lower amount which has been agreed but they are harrassing for original payments.

 

Don't let the fact that it is secured stop you from doing anything!!!

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