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    • You haven't returned to the thread to give us your views, but a couple of other things strike me which you should consider: 1. You say that at no time was your father's licence revoked by the DVLA. It didn't have to be revoked. It expired in September and his "entitlement to drive" (of which the licence provides proof) expired along with it. He could only continue driving whilst his application was being processed by virtue of s88, and it seems clear to me (based on what you have said) that he was not able to take advantage of the benefits provided by that section. 2. The letter he received threatening to revoke his licence was probably a template letter sent when any medical issues are brought to the attention of the DVLA. But it is clear that beyond September until it was eventually renewed, your father had no valid licence to be revoked. I believe a "not guilty" plea in court will fail. The basic facts are that your father's licence expired in September, it was not renewed until February because the DVLA were looking into his medical declaration and he could not take advantage of s88. So in December he had no licence and no entitlement to drive under s88. The facts that he believed he was fit to drive and that his licence was eventually renewed may mitigate the offence but they do not provide a defence. I also asked whether he had received a summons (very unusual these days) or whether he had received a "Single Justice Procedure Notice". The way to proceed from here differs slightly depending on what he has received so if you let me know, I'll advise further.  
    • Well, what I've read from various sources suggest if a CCJ is 6 years old that if becomes pretty much ineffective for enforcement purposes in its original form.  And that if it's about to expire then the claimant needs to apply to the court to extend the original CCJ within the final year.  Even if they do apply for an extension within the 6 years they have to have a very strong argument for doing so such as the person being out of the country or could not be traced, basically show they were actively still perusing the debt I guess. Now if a claimant ever does apply within the 6 years to extend the CCJ, would the person named on if be notified by the court that such an application has been made?.  In my case I've heard nothing from the court so assume no such application has been made.  The original CCJ in my own case is now a year beyond the 6 years of issue so must now make things even less likely again. So whilst the CCJ exists that they have not enforced it in that time must surely make it unlikely they can now take it back to court because as said it would be very rare for a judge to agree to such action now. That said, I guess they now can't use the CCJ to continue with any action for an attachment order to our mortgage either?
    • Donald Trump now banned from countries including Canada and UK as convicted felon WWW.INDEPENDENT.CO.UK There are 37 countries that bar felons from entering, even to visit.  
    • Well, they trashed their last election manifesto pledges, so nothing new really is it? They just find weasel words to try to claim they haven't actually failed if you just look at it just a little squinted and in this particular way  - and are stupid.
    • I think they're inventing stuff now. They seem to know they won't be around to implement any of it.
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Welcome Finance - where do I stand?


bettyboop35
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Good evening, would like some advice regarding Welcome to try and get rid of them. Details as follows:-

 

£15,000 credit fixed sum loan agreement dated 22/11/05. 180 months. Monthly payments £229.42. APR (variable) 18.20%.

 

Total Charge for credit - £26295.65

 

Broken down as to:-

 

Acceptance fee £235.00

Mortgage Ind fee £1650.00

Interest Charge £24410.65

 

The agreement was signed by me on 09.11.05 and was not signed by "a witness to customer signature" and Welcome Finance until 22/11/05, certainly not on their business premises. A copy was posted to me after that date. I then received a letter from 1st Stop Finance enclosing a new legal charge to be signed as they had filled in an incorrect title number on the first legal charge. This I did not sign nor send back.

 

On 19 April 2006 a B133 (Notice to a registered proprietor of an application to enter a unilateral notice was sent to me, this application being loded by Progressive Fin Serv Ltd Sub Apps, without my signature.

 

I also received a Direct Debit Mandate which I did not sign, as it related to a Personal Loan Agreement signed on Trade Premises. By signing I would have declared that the Agreement was signed at the business premises, which it was not.

 

I then received several letter from Lewis Debt Recovery asking me if I would "like to save £16802.75", by paying an amount of £9047.64, which I have ignored. I have had further letters entitled "An Opportunity Too Good to Miss!" dated 2nd and 15th September 2009 concerning "possible settlement of this debt".

 

Any feedback would be greatly appreciated :confused:

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That will be similar to the message left on my phone saying "Please phone for some fantastic news!"

 

:D

 

It sounds as if somebody has actually bothered to look through your paperwork and thought a "Mr Nice Guy" approach would work best. I assume that if Lewis is sending you stuff you have either stopped paying, or are in arrears?

 

I'd tend to leave well alone until there is more concrete news about Welcome's future. Or lack of it.

 

Might be an idea to pop a copy of so-called agreement up for an opinion of enforcability though. Forewarned is forearmed.

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Thanks for the quick response, greatly appreciated. I will scan a copy of the agreement on to here tomorrow morning and would again appreciate your opinion.

 

Yes, in arrears at mo with payments, however no nasty letters received to date, only the Lewis ones. Are Welcome really in trouble?

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for a start, you need to send this by recorded delievery to this address

 

welcome financial services

compliance

ruddington fields business park

ruddington

nottingham

ng11 6nz

 

enclose a £10 postal order and send recorded

 

 

[your address]

 

 

 

[their address]

 

 

[DATE]

 

 

 

Data Protection Act 1998

Subject Access Request

 

 

 

Dear Sir/Madam

 

 

ACCOUNT NUMBER: xxxxxxxxx (or multiple numbers if more than one account)

 

 

Please supply me with copies of all the data which you hold on me in relation to any matter and in any form and for any period of time.

Please note that I require disclosure of any personal data which you hold on me for the entire period of my dealings with you.

The Subject Access is not limited to my transaction history and it is not linited merely to 6 years of historical information.

Additionally, where there has been any event in my account history over this period which has required manual intervention by any member of your staff, or any other person, I require disclosure of any indication or notes which have either caused or resulted in that manual intervention, or other evidence of that manual intervention in relation to my financial business with you.

I require all information on details of all insurance products supplied by welcome financial services. This is to include the statement of means, statement of price, details of all insurance premium tax paid, and underwriting sheets.

If mortage indemnity insurance has been added to the agreement, i require all details on who this premium was paid to, and who underwrites this insurance.

 

If you are unable to supply this data because there has been no such manual intervention, then please be so kind as to confirm this in your response.

 

I enclose the statutory maximum fee of £10. You have 40 days in which to comply. Furthermore, if I discover that you have levied disproportionate penalties or charges which are invalid under the Unfair Terms in Consumer Contracts Regulations against me, then I shall be reclaiming them together with any interest charges which you have levied on them.

As it is your wrongdoing and mishandling of my account which has created the necessity for this Subject Access Request, I shall also be reclaiming the enclosed £10 DPA subject access request fee.

 

If there is specific information which you require in order to satisfy yourself as to my identity, please let me know by return. However, please note that the above address is the one which you normally use to communicate my private business to me and which you have hitherto found to be acceptable.

I would be happy to collect the Data from my local branch.

 

 

Yours faithfully,

 

 

[signature]

 

 

[name]

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Ime Getting Confirmation But I Think I Have Just Made You A Very Happy Bunny

 

Ill Post The Agreement Up Onto Your Thread But As Well As Charging Mortage Indemnity Fee On A Loan Below 25 K, Not A Mortage

 

You Are Being Charged Interest On This Fee:D

 

I NEED IT CONFIRMED THOUGH

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