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    • I will try again...................... Even at my age there is quite clearly a PCN envelope by the windscreen wipers on your car on some of the photos.  But as I said in the IPC letter, that is not the dispute. The dispute is that CPM sent you the second PCN on the 28 th day of the issue date of the first PCN. It should not have been sent until the day AFTER the original PCN was issued. Therefore they broke the Act, they breached the IPC Code of Conduct and their agreement with the DVLA. It is something that the IPC cannot ignore since to do so will bring the ICO down on them and the DVLA should ban CPM from getting data from them once they know if the ICO do nothing. The minimum I expect is that your PCN will be cancelled. But it is up to you. I have given you the details, you have copies of both PCNs sent to you on the sar  with all  the relevant dates. 
    • Apply for an HM Armed Forces Veteran Card   An HM Armed Forces Veteran Card is a way to prove that you served in the UK armed forces. The card can make it quicker and easier to apply for support as a veteran. It’s free to apply. You can currently only apply for a Veteran Card if you have a UK address. Veterans who do not have a UK address will be able to apply later this year. READ MORE HERE: Apply for an HM Armed Forces Veteran Card - GOV.UK WWW.GOV.UK Apply for an armed forces veteran card to prove that you served in the UK armed forces.
    • The Private Parking Code of Parking has been postponed as the poor dears are frightened that thew will all go out of business once it becomes Law. We all wish but nothing could be further from the truth so doubtless most of them will have to change their ways if they don't want to be removed as approved parking companies. Thank you for still retaining and producing the original PCN which, no surprise, fails to comply with the Protection of Freedoms Act 2012 Schedule 4. [It even states the vehicle "breeched" the terms  when it was the driver that allegedly breached the terms}. It fails to specify the Parking Period and whilst it does show the arrival and departure ANPR times on the photographs [that I cannot read] they do not include how long you actually parked nor was it specified on the Notice  [photos don't count]. So that means that you spent even less time parked though it would help had you not blocked out the dates and times, so good if you could please include them on your next  post. Pofa  asks the driver to pay the charge S( [2][b] which your PCN doesn't though they do ask the keeper to pay.and they have missed out theses words in parentheses S9[2][f] ii)  (ii)the creditor does not know both the name of the driver and a current address for service for the driver, the creditor will (if all the applicable conditions under this Schedule are met) have the right to recover from the keeper so much of that amount as remains unpaid; All of those errors mean that the cannot transfer the charge from the driver to the keeper. Only the driver is now responsible . What a rubbish Claim Form -doesn't even give the date of the event which it should.  
    • it doesn't matter what you are being charged or if you missed the discount period. you ain't paying anyway..... if this ever gets before a judge. then the ins and out of POFA2012 or any IPC/BPA guidelines might come into play. until then i go get on with your life. you are spending far too much time on a speculative invoice scan scheme  its almost as if you believe these are fines and enforceable in a criminal court and you could have bailiffs at your door any minute.    
    • Debt Respite Scheme (Breathing Space) guidance - GOV.UK (www.gov.uk) but dont get scammed into a DMP. simply tell whomever you call to simply apply for the BS for you.  
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welcome finance loan ppi


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hi,

I have just started looking into claiming back my ppi from welcome finance, I took out the loan on 20th sept 2007. for £2000. since looking on some other threads i have sent out my sar letter this morning by registered post. I presume that i now have to just wait for 40 days to get a reply from them. i will probably need help then, as i am unsure what the next step would be. I am also unsure as to wether or not i can claim anything, but i thought i would give it a try, as they are a nightmare to deal with anyway, so even if i just annoy them into more work it will be a bonus for me! but to be able to get money from them would be fantastic. Has anyone actually successfully claimed from welcome finance yet?

thanks

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morning wasp

 

first thing is to give these people a call

http://www.directgroup.co.uk/

they are welcomes partner in crime on the insurance racket

ask them to send details on all insurance they have on you

plenty of people have settlement from welcome ref ppi etc, its just they went through the fos

bit slower but allways pays out

there is the court route

been there and done that

even though i won its not for the faint hearted

have you sent the sar or do you still have it

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No unfortunately i did not see yours, i used a different one. I wish i had known there was a specific one for welcome finance. I take it they dont normally respond to a SAR letter then? do i have to wait 40 days or 40 working days ie mon-fri, before continuing to the next step?

thanks

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  • 2 weeks later...

hi,

I have just recieved my details in reply to my sar request, but it all looks like double dutch to me. I dont know what i am looking for, and i especially do not know what my next step is, regarding claiming my money back. Please can anyone help me, i really am lost.

thank you

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Hi again,

i have been looking through the paperwork they have sent me through again, and the credit agreement shows that i have insurance added on for £738.31, being made up from 1st customer lifecare 24 of £195, plus ppi of £543. 31. can i claim all of the money back from them or just the ppi payment. I have also noticed that these were already filled in on the form when they sent it to me to sign and return, i did not have a choice in having them.

I have been looking on some other threads for welcome finance, but i have not seen what my next step is, can someone help me please i would like to see if i can get this done in time for xmas.

thank you

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sorry to put so many posts without any reply from anyone, but can anyone explain to me what capitalisation charges are for, as i have had a charge every month before my payment ranging from £10 upto £108.27. can i reclaim these charges aswell, because i do not know what these are for?

thanks again

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Capitalisation is Welcomes fancy term for Interest, so no, you wont be able to claim that back. Do you have any other penalty fees on there though? ("settlement penalty interest", "ad hoc fee", "fee assessment", "telephone charge" etc etc etc)

 

Have a read of this too, itll give you a kick start for your PPI claim which definitely sounds mis-sold if you had no choice whether you had it or not:

 

PPI Reclaiming Guide: £1,000s for missold loan insurance...

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hi,

thanks for your reply, if it is interest then why does it vary so much, and come more than once a month sometimes? is that legal? plus yes i do have other charges aswell, such as adhoc fee? etc.... can i claim these back at the same time? I will have a look at your link to look for the next step.

thanks

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