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    • 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  
    • pop up on the bulk court website detailed on the claimform. [if it is not working return after the w/end or the next day if week time] . When you select ‘Register’, you will be taken to a screen titled ‘Sign in using Government Gateway’.  Choose ‘Create sign in details’ to register for the first time.  You will be asked to provide your name, email address, set a password and a memorable recovery word. You will be emailed your Government Gateway 12-digit User ID.  You should make a note of your memorable word, or password as these are not included in the email.<<**IMPORTANT**  then log in to the bulk court Website .  select respond to a claim and select the start AOS box. .  then using the details required from the claimform . defend all leave jurisdiction unticked  you DO NOT file a defence at this time [BUT you MUST file a defence regardless by day 33 ] click thru to the end confirm and exit the website .get a CPR 31:14 request running to the solicitors https://www.consumeractiongroup.co.uk/forum/showthread.php?486334-CPR-31.14-Request-to-use-on-receipt-of-a-PPC-(-Private-Land-Parking-Court-Claim type your name ONLY no need to sign anything .you DO NOT await the return of paperwork. you MUST file a defence regardless by day 33 from the date on the claimform.
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looks like welcome have done it again.


screwedbywfs
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Hello CAG,

 

I have been reading the forum a little with particular interest in welcome and increasingly I think that I have been screwed by these cowboys.

 

in 06 I originally went to carcraft in Sheffield and purchased a car for £5k (financed by 'you know who'), I took out all the insurances as the oh-so-helpful salesman from Ucan said that I would get a better rate of interest if I took them out and pretty much refused to remove PPI from the agreement.

 

I then took out a personal loan for £1000, this time i can't remember which, if any, insurance i took out. in 08 I was struggling to make repayments due to work issues (incidentally not covered by PPI for the car) and continued to scrape payments for the car but stopped paying the personal loan, they then sent both accounts to their collections dept who then began to make threats that they would have to reposess the car even though the car loan was up to date they said that both accfounts were 'linked' and that if one went into arears it affected both. So I ended up making payment on the loan to bring that more up to date at the expense of allowing the car to slip into arrears. they then started to hound me about this so I said I wanted to VT the car loan.

 

I spoke to someone at their office who said I should write with my intent to voluntarily terminate the car loan (i had paid just short of half of the payments) so I did and arranged somewhere for the car to be stored as it would be out of tax. after a couple of weeks i called to ask if the vt had been accepted and when would they be collecting the car, told it had been accepted but could take a month before they could collect. after 5 weeks i called again saying that the person keeping the car wanted rid of it as it was getting in the way so could they collect asap.... response? VT has NOT been accepted as you have arrears! but we can repossess it at a cost of £1200 if you do not want it anymore!!!

 

obviously this was not acceptable so was forced to get the car back on the road to help me find a new job. during this period i had still been struggling to find the money to make full payments so they offered to re-write both the personal loan and the car loan. result? paid over half of the £5k loan on my car and then re-wrote it so now I owe £8k on a 8 year old car and have a further 9 years left to pay for it. again I had paid almost half of my personal loan for 1000 and a year after re-write i owe 2195 with 9 years left to pay it.

 

with regard to the personal loan I am paying about £10 off the capital cum of 2195 and £20 in interest each month!!! they said, when i questioned their statement, that the interest i pay each month will decrease until about half way through the contract when i will be then paying the capital sum completely, doesn't sound 100%.

 

The big thing is, when I went to welcomes office to rewrite the loans I was paying attention to everything I was signing and am sure that all i signed was an application for credit and not an actual cca.

 

furthermore my new car loan does not show on experian although the old loan is showing as satisfied but on my cars HPI report there are 2 hp agreements showing as having an interest in the vehicle!

 

Can anyone suggest a course of action to sort all this rubbish out, where do I stand on these silly rewrites that I could definately have done without. I was more or less forced into rewriting even though I told them i would be able to start making payments again the following month.

 

anyway, apologies for war an peace :-) this is my first post so i thought i would make it count! :lol:

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Hi Screwed And Welcome

 

Excuse The Pun

 

You Are Among Friends With This Lot

 

What You Would Have Signe Is An Agreement To Modify The First Loan

 

I Say Should Have Signed For Good Reason

 

You Need To Send Welcome A Cca Request, That Will Cost A Quid FOR THE AGREEMENT And An Sar Request

That Will Cost A Tenner

 

They Have To Give You These By Law

 

When We Have These It Will Be Pay Back Time

 

Read The Welcome Thread In Depth

 

Ime Allways On Them And Know Exactly How The Con Works

 

Regards

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you should work for yourself as a financial adviser, postggj!!!

 

I want one of cag's legal experts to look into the next big issue. The big issue of contracts like; BT who are allowed to put you on an 18 month contract, you dont pay the bill so they cut you off but still get to charge you for the remaining term of the contract or issue you with a one off charge for early cancellation.

 

to me that is wrong as if they are allowed to have the money for the contract you should be allowed to keep the service. otherwise they get money for nothing, what do we think

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Cheers Postggj,

 

Where can I find templates for SAR and CCA request?

 

I have read the welcome thread, (not wholly but i spent a good couple of hours getting the gist of it!) what a read, i want to get sorted before they fall apart completely which i suppose could make things a bit more difficult!

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this is the SAR:

 

WELCOME FINANCE LIMITED

KINGSTON HOUSE

CENTRE 27 BUSINESS PARK

WOODHEAD ROAD, BIRSTALL BATLEY

WEST YORKSHIRE

WF17 9TD

 

31/08/2009

 

Data Protection Act disclosure request

 

Dear Sir/Madam,

 

Reference Accounts

 

Formal Request under the Data Protection Act 1984 and 1998, and including the Right of Subject Access

 

I understand that you currently hold details of my personal and financial information within your internal record systems with regards to my Hire Purchase Agreements with your company. I have had 3 agreements with welcome finance Account Nos:*******(your account number or numbers)

 

Please supply me with complete details of all data held by yourselves, in regards to myself within your organization, including, but not limited to:

 

1. Full copies of all contracts that you believe exist or have existed between myself and your organization (the organisations), including true copies of any documents you hold in support of the same.

2. A complete list of all transactions or statements relating to ALL accounts with your organization.

3. Copies of all documents which include any of my personal information including copies of any contracts or invoices, emails or computer records containing my personal information, or any records which pertain to this information.

4. Full copies or transcripts of any computer logs or database records kept in relation to me or in relation to my personal and financial information.

5. Full copies of any and all correspondence in postal, email or any other format that you have entered into with any individual, organization or third party which contains my personal and financial information, or which pertains to me.

6. Where any previous information or records held have been deleted or disposed of, the methods used to do so, including dates, certificates or references confirming details of destruction. Where you are unable to provide such certificates, please provide a declaration, signed by an authorized officer of your company, confirming the dates and methods of destruction of this data

7. Full hard copy print outs of any of my personal and financial information held in a digital, magnetic or any other format which is held in any archives, backups or other storage devices / locations.

8. Please note that information for all of my addresses is required, to clarify these addresses are(your address / addresses)

 

I enclose the statutory maximum fee of £10.00 to access ALL data held by Welcome Finance Ltd about myself.

 

You should be fully aware of your statutory obligations under the Data Protection Act and that any failure to comply with this request could result in an investigation by the Information Commissioners Office. You have 40 days in which to comply.

If you are unable to deal with this request, you should immediately forward it to the person within your organization responsible for Data Protection.

 

I look forward to hearing from you in the first instance by acknowledgement of this letter, and a full response with the above designated time scale.

 

Yours faithfully,

 

(print your name do not sign)

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This is the CCA

 

WELCOME FINANCE LIMITED

KINGSTON HOUSE

CENTRE 27 BUSINESS PARK

WOODHEAD ROAD, BIRSTALL BATLEY

WEST YORKSHIRE

WF17 9TD

 

 

31/8/2009

 

Dear Sir/Madam

 

Re:− accounts *******(your account number or numbers)

 

This letter is a formal request pursuant to s.79(1) of the Consumer Credit Act 1974. I require you to provide me with a true copy of the credit agreement relating to the above account, together with any other documentation the Act requires you to provide.

 

I expect you to comply fully and properly with this request, within the statutory time limit. You are reminded that should you fail to comply with my request, the provisions of s.77(6) will apply.

 

Your attention is drawn to ss.5(2), 3(b),6 and 7 of the Consumer Protection from Unfair Trading Regulations 2008 (CPUTR).

 

I enclose a postal order in the sum of £1.00, which is the statutory fee. Note that these funds are not to be used for any other purpose.

 

If you are unable to comply fully and properly with this request, you should confirm this in writing at the earliest opportunity, and certainly within the statutory time limit for compliance, and return the fee.

 

We look forward to hearing from you.

 

Yours faithfully,

 

print name do not sign

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send both by recorded delivery insure you put any previous addresses on the SAR as if you dont they might not send you the details of course if you have lived at the same address since you took out the agreement then you dont need to worry

 

Hope this helps

 

regards

 

martynandemma

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