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    • Well we can't predict what the judge will believe. PE will say that they responded in the deadline and you will say they don't. Nobody can tell what a random DJ will decide. However if you go for an OOC settlement you should still be able to get some money
    • What do you guys think the chances are for her?   She followed the law, they didnt, then they engage in deception, would the judge take kindly to being lied to by these clowns? If we have a case then we should proceed and not allow these blatant dishonest cheaters to succeed 
    • I have looked at the car park and it is quite clearly marked that it is  pay to park  and advising that there are cameras installed so kind of difficult to dispute that. On the other hand it doesn't appear to state at the entrance what the charge is for breaching their rules. However they do have a load of writing in the two notices under the entrance sign which it would help if you could photograph legible copies of them. Also legible photos of the signs inside the car park as well as legible photos of the payment signs. I say legible because the wording of their signs is very important as to whether they have formed a contract with motorists. For example the entrance sign itself doe not offer a contract because it states the T&Cs are inside the car park. But the the two signs below may change that situation which is why we would like to see them. I have looked at their Notice to Keeper which is pretty close to what it should say apart from one item. Under the Protection of Freedoms Act 2012 Schedule 4 Section 9 [2]a] the PCN should specify the period of parking. It doesn't. It does show the ANPR times but that includes driving from the entrance to the parking spot and then from the parking place to the exit. I know that this is a small car park but the Act is quite clear that the parking period must be specified. That failure means that the keeper is no longer responsible for the charge, only the driver is now liable to pay. Should this ever go to Court , Judges do not accept that the driver and the keeper are the same person so ECP will have their work cut out deciding who was driving. As long as they do not know, it will be difficult for them to win in Court which is one reason why we advise not to appeal since the appeal can lead to them finding out at times that the driver  and the keeper were the same person. You will get loads of threats from ECP and their sixth rate debt collectors and solicitors. They will also keep quoting ever higher amounts owed. Do not worry, the maximum. they can charge is the amount on the sign. Anything over that is unlawful. You can safely ignore the drivel from the Drips but come back to us should you receive a Letter of Claim. That will be the Snotty letter time.
    • please stop using @username - sends unnecessary alerts to people. everyone that's posted on your thread inc you gets an automatic email alert when someone else posts.  
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Welcome Finance Question.


pwg6565
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Cheers Beau...Seems as though I may get calls in Jan then...Bring it on !!!

 

Recieved a letter this morning dated 24th December posted 2nd class.

 

Dear Mr *******

 

Thank you for your letter of 26th November 2009 regarding your recent complaint.

The issue(s) you have raised are still under investigation and we hope to have a final response sent to you in due course. I would like to take this opportunity to thank you for your patience in this matter.

 

Yours Sincerely.

************

Customer complaints department.

 

Message for Postggj.....

 

When do you think we should hit them with the Contract issues Post ? Do we wait for the response or send a letter now ?

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Hi Postie. Hope the knee is getting better and Happy New Year to you and your family.

 

Thanks for your help. As ever it is very much appreciated. You should be on the New Years Honours list for your work helping people on here.

 

I really want to nail these thieves. The damage they have done to peoples lives is shocking and the more I read the more determined I become.

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Morning all. Thats some weather we are having at the mo !! I see you are up to lots of splendid work on here Postggj so wondered if you think it is time to hit Welcome with this end game letter regarding the contract ? Hows that leg coming on by the way ? no sledging for you I take it lol.

 

 

What do you think of this Postggj ?

 

http://www.debtmanagementtoday.co.uk/newsstory?id=573&type=newsfeature&title=major_blow_for_claims_management_companies_in_landmark_court_case

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This is the last agreement. The agreement they witheld many times was the one that this re-wrote.

On top of it all I was never given a cooling off period and they have not answered my letters regarding the unlawful charges spread over my statements including settlement penalty interest and mif etc. FOS sent them a letter approx 4 weeks ago.

DSC00225.jpg picture by paul6565 - Photobucket"

 

DSC00224.jpg picture by paul6565 - Photobucket"

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No Post. Just a phone call asking me to bring documents and the re-write would be a couple of hours at most in the branch. Did not recieve paperwork before or after.

Just spoken to F.O.S. They said Welcome have until the 20th and if no satisfactory response then they will investigate regardless.

Do you think it would be wise to send a letter stating contract failures before the 20th or will the F.O.S. go through everything ?

Since I started communication Welcome have never answered anyy of my letters or complaints or questions ??

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Ok mate. Fingers crossed and hope and prey they do not slip out of this some how. Got to the stage now where I really want to make them suffer for all of the worries they have caused me and my family.

Look after that leg mate and I will continue to help out with the little knowledge I have picked up from you and the others on here. Take it easy Post.

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Case Reference Number RFA0284302

 

 

Dear Mr *******

 

Thank you for your correspondence dated 16th December 2009, regarding your complaint against Welcome Finance.

 

Before we can give a substantive response to the matters you raise we need some additional information and would therefore ask you to send in a copy of your original request for information to Welcome Finance.

 

We would like to see a list of the information you believe you are still missing after your initial request.

 

Also if you can provide us with copies of any other relevant correspondence that you have, this correspondence should include any letters that you have sent as well as any responses received from Welcome Finance.

 

To help us deal with your returned documents as quickly as possible, please reply to this email, being careful not to amend the information in the ‘subject’ field, sending the requested information as an attachment. Please quote the above case reference number in all future correspondence about this matter. Failure to do so may delay the processing of your complaint.

 

When we receive the requested information your complaint will be assigned to one of our casework teams before being allocated to a case officer who will respond in line with our current service standards.

 

As we cannot progress your complaint without the information we have asked for it will now be closed until you reply to us.

 

If you require any further advice or assistance please contact our Helpline on 01625 545745.

 

 

Yours sincerely

 

 

 

Signed on behalf of

Mr Paul Arnold

Head of Customer Service

 

 

____________________________________________________________________

 

 

The ICO’s mission is to uphold information rights in the public interest, promoting openness by public bodies and data privacy for individuals.

 

Had this in response to my complaint to the I.C.O regarding the data protection error when Welcome sent me someone elses information and documents.

 

Only 5 days until the 8 week final response date for F.O.S !!!

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Good Morning all.

 

Message for Postggj...The date has now expired for a Final Response from Welcome.....Suprise, suprise I do not have one !!!

 

I am in the process of sending all paperwork to the F.O.S. as they now take over. Would you suggest sending the letter you were going to do regarding the faults in the contract ?

Cheers Post, I wont move on this until you advise.

 

Bump for Postggj !!!

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Hi i am looking for some advice as to what action i should take in getting some help with this ridiculous loan.

 

here goes-

 

In June 2004 i took out a loan with welcome for £1000

 

In Dec 2004 a new loan was took out to clear the exsisting one which made the total now £1700 cash borrowed without interest etc.

 

my monthly payment was £172 a month and in 2006 i fell out of work so payments stopped , account was passed to a debt collection who i have been paying ever since!

 

from dec 2004 - may 2006 i paid £172 a month totalling £ 2924.

 

welcome are now saying they will NOT provide me with any paperwork unless i pay for this but i thought you could request these free of charge?

 

i have been told to put it in writing to them and if they do not provide these documents in 28 days the the loan is unenforceable - is this right?

 

also they are now telling me my balance is £3600

after already paying £2924 this makes total amount payable £6524!!!

 

surely this cant be right???

 

they have also advised me they are adding 3% interest every month becasue the account is in arrears - can they do this cause at this rate i'll be paying it for the rest of my life!

 

any help is greatly apprecaited thanks

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