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    • 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
    • Doubt the uneconomic write off would be registered, unless you agreed to accept write off settlement of the claim. It is just cosmetic damage. All that has happened, is that the car has been looked at and they realised the repair costs are going to exceed the value of the car. If the car is perfectly driveable with no upcoming normal work required to pass next MOT, your current Insurers will continue Insurance and you can accept an amount from third party Insurers to go towards you repairing the scratched bodywork.    
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welcome finance - problems !


pinklily0105
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Ok so I have posted an issue with my secured loan on another post and it was suggested that I run my own thread.

 

Took out a secured loan with welcome 1st nov 06. Biggest mistake ever !! We were told at the time that the ppi was a condition of the credit; it was suggested that the application would be refused otherwise and at the time we were desperate so went along with it. Obviously since, I have been made aware of this site and watched with much interest. I soon realised we could claim for PPI mis-sell, also the fact that our agreement was for 180months and the cover only lasts for between 36-60months. So thats a con in itself! Anyway I complained to welcome and they hit back saying that it has took us too long to comaplin and so we have experienced the benefits of the insurance and can't very well claim now, also the fact that it was ticked at the bottom of the form that we knew it was optional. I must point out, we did not tick it ourselves, we were just shown where to signiture the form, silly on our part I KNOW !

 

Im ashamed to admit that was January this year, and we haven't persued welcome any further - would I still be able to do this now ?

 

After spending a long day today reading all about your fights with welcome, I have become more concerned of how we have been conned.

 

As i say it is secured, but we didn't have a cooling off period as such. We rung up cause we already had a personal loan with them, they made us an appointment to go in. They went through our earnings and what we already paid out. Then said we had the loan, we just had to go back the next week and sign. We did and was given the cheque the same day. After I have looked on at my agreement today though there are 3 different dates on my paperwork ! How silly were we not to pick up on it ! So we can't prove any of that now !

 

Then I have learnt today that we have been paying interest on the acceptance fee. it was 235, but on our breakdown of payment we are paying 4.30per month for it over 180month period. So certainly not 235 !!!

 

I am going to try to put my agreement on here, just need to suss it out !

 

So not sure what to do now. We have never missed a payment with them, though it cripples us, too scared to in case they take my house, read too many bad things about them.

 

Should I be getting a solicitor to look over my agreement ? Not sure if I have any case with them, as they shot down my PPI claim, maybe just this acceptance fee, if it is illegal to charge interest.

 

Any advice would be very greatly appreciated, sorry I know its been a long one and you have all fights of your own! Thanks for reading it.

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welcome are one of our worst co's on here ever!

 

don't take no for an answer.

 

go get 'em for everything you mention.

 

you might find it useful to read the 'notes for claimants' sticky in the PPI forum by alanalana.

 

off you, go and we'll help you get these issues sorted.

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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HI PINKLIILY

 

RIGHT, NOW YOUR THREAD IS UP AND RUNNING

 

FIRST THING THAT STANDS OUT IS NO 14 DAYS COOLING OFF PERIOD

 

THATS ONE

 

OK WHAT I WANT YOU TO DO FIRST IS CONTACT THESE PEOPLE AND REQUEST THEY SEND ALL DETAILS THEY HAVE ON YOU

 

Direct Group - Where Insurance and Innovation Combine - Home Page

 

 

IME WELL UP ON ALL THE WELCOME TRICKS SO ILL BE WITH YOU ALL THE WAY

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Anyway thanks for coming on to this postggj, I've read so many of your threads. What do I need to say to this direct group, will I need to give them any account details etc from welcome ? All in writing I take it ? I do have the policy schedule from these, which i was sent at the beginning of the loan.

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hopefullu you can see the documents i have scanned. There are only 2 others are duplicates, i is the loan agreement, the other is the breakdown of the monthly payment which shows we are paying 4.30 per month for 180 months for settlement fee of 235 !

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yes its a joint secured loan, think i have duplicated the copies on photobucket, all the info is for the same secured loan.

 

But yes your right they have seen us coming, i am kicking myself several times a day ! can't believe what we have done really.

 

My husband has had the personal loans in the past, but basically we got the 10000 secured loan, the other 1873.41 was to pay off existing personal loan and then obviously all the insurances we were conned into !

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