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    • Yeah, sorry, that's what I meant .... I said DCBL because I was reading a few threads about them discontinuing claims and getting spanked in court! Meant  YOU  Highview !!!  🖕
    • Though it would be Highview you would  pursue. DCBL are nonentities-on their best day,
    • Yep, I read that and thought about trying to find out what the consideration and grace period is at Riverside but not sure I can. I know they say "You must tell us the specific consideration/grace period at a site if our compliance team or our agents ask what it is"  but I doubt they would disclose it to the public, maybe I should have asked in my CPR 31.14 letter? Yes, I think I can get rid of 5 minutes. I am also going to include a point about BPA CoP: 13.2 The reference to a consideration period in 13.1 shall not apply where a parking event takes place. I think that is Deception .... They giveth with one hand and taketh away with the other! One other point to note, the more I read, the more I study, the more proficient I feel I am becoming in this area. Make no mistake DBCL if you are reading this, when I win in court, if I have the grounds to make any claims against you, such as breach of GDPR, I shall be doing so.
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    • the Town and Country [advertisments ] Regulations 2007 are not easy to understand. Most Council planing officials don't so it's good that you found one who knows. Although he may not have been right if the rogues have not been "controlling" in the car park for that long. The time only starts when the ANPR signs go up, not how long the area has been used as a car park.   Sadly I have checked Highview out and they have been there since at least 2014 . I have looked at the BPA Code of Practice version 8 which covers 2023 and that states Re Consideration and Grace Periods 13.3 Where a parking location is one where a limited period of parking is permitted, or where drivers contract to park for a defined period and pay for that service in advance (Pay & Display), this would be considered as a parking event and a Grace Period of at least 10 minutes must be added to the end of a parking event before you issue a PCN. It then goes on to explain a bit more further down 13.5 You must tell us the specific consideration/grace period at a site if our compliance team or our agents ask what it is. 13.6 Neither a consideration period or a grace period are periods of free parking and there is no requirement for you to offer an additional allowance on top of a consideration or grace period. _________________________________________________________________________________________________________________So you have  now only overstayed 5 minutes maximum since BPA quote a minimum of 10 minutes. And it may be that the Riverside does have a longer period perhaps because of the size of the car park? So it becomes even more incumbent on you to remember where the extra 5 minutes could be.  Were you travelling as a family with children or a disabled person where getting them in and out of the car would take longer. Was there difficulty finding a space, or having to queue to get out of the car park . Or anything else that could account for another 5 minutes  without having to claim the difference between the ANPR times and the actual times.
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Welcome Finance refuse to alter my credit report


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Hi all,

Can anyone help me please?

I'll cut a long story short. I v.t'd my car in 2007. WF told me my accounts were all in order, I'd never missed a payment, so all was OK. I never heard anything further until Dec '08 whereby they said they were going to take me to Court for non payment. I communicated with W.F.'s Solicitors and counter-claimed WF. It wasn't until I received a statement that I realised in 2007, despite WF staff telling me it was OK to VT, I actually owed 3 further payments before I could have done this. I don't know why WF said it was OK when it obviously wasn't. Anyway, like said I counterclaimed WF and told them I didn't owe them the £3,000+ they said I owed, but only actually owed them £613.20 (which was the 3 months "missed" payment I would have paid them anyway in order to VT if they hadn't lied to me). In April 2009, WF's solicitors wrote and told me tha!

t WF had agreed to my offer and a Court Tomlin Order was produced. This Tomlin Order superceded all other monies WF said I "owed". I have been paying the Tomlin Order off regularly and now only owe £239.40. Because of the stress WF have put me through since taking out the original loan, I told their Sols that I would pay WF over a period of 10 months.

My problem is though that on my credit report it still states that I owe WF £1,700 (don't know where this figure comes from), there is no mention of the monies I have paid via the Courts Tomlin Order and they are still blacklisting me every month for non payment and have been since 2007!!!.... I have all the evidence from their Solicitors and the Courts, but WF are refusing to alter my credit report. This is sad because my partner and I were refused a mortgage this year because of WF.

Also in May 2009 of this year, 1 month after the Tomlin Order came into affect, I received a letter from WF stating that they were prepared to refund me my PPI. 6 months after, they have now asked me to complete a questionnaire and they are refusing to repay me my PPI!!..

I have gotten the Financial Ombudsman involved, but wondered if anyone here could help me in the meantime as to how I can get my credit report sorted and can WF refuse to repay me my PPI when I have a letter from them saying they would??. Thanks to all. Kind regards. Ann.

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More problems with Welcome...

I took a loan out with WF in 2005, but I'll cut a long, very stressful story short.

I v.t'd my car in 2007. WF told me my accounts were all in order, I'd never missed a payment, so all was OK. I never heard anything further until Dec '08 whereby they said they were going to take me to Court for non payment. I communicated with W.F.'s Solicitors and counter-claimed WF. It wasn't until I received a statement that I realised in 2007, despite WF staff telling me it was OK to VT, I actually owed 3 further payments before I could have done this. I don't know why WF said it was OK when it obviously wasn't. Anyway, like said I counterclaimed WF and told them I didn't owe them the £3,000+ they said I owed, but only actually owed them £613.20 (which was the 3 months "missed" payment I would have paid them anyway in order to VT if they hadn't lied to me). In April 2009, WF's solicitors wrote and told me tha!

t WF had agreed to my offer and a Court Tomlin Order was produced. This Tomlin Order superceded all other monies WF said I "owed". I have been paying the Tomlin Order off regularly and now only owe £239.40. Because of the stress WF have put me through since taking out the original loan, I told their Sols that I would pay WF over a period of 10 months.

My problem is though that on my credit report it still states that I owe WF £1,700 (don't know where this figure comes from), there is no mention of the monies I have paid via the Courts Tomlin Order and they are still blacklisting me every month for non payment and have been since 2007!!!.... I have all the evidence from their Solicitors and the Courts, but WF are refusing to alter my credit report. This is sad because my partner and I were refused a mortgage this year because of WF. I recently had an annual statement form them and they still say I owe them in excess of £3,000. However, they have acknowledged the payments via the Tomlin Order, but despite the Court issues finishing in April 2009 they have actually placed a charge on my statement for over £300.00 relating to a "Court attendance"..... in June of this year!!!.... I'm going mad - please help. WF settled out of court and no-one actually had to attend!.

Also in May 2009 of this year, 1 month after the Tomlin Order came into affect, I received a letter from WF stating that they were prepared to refund me my PPI. 6 months after, they have now asked me to complete a questionnaire and they are refusing to repay me my PPI!!..

I have gotten the Financial Ombudsman involved, but wondered if anyone here could help me in the meantime as to how I can get my credit report sorted and can WF refuse to repay me my PPI when I have a letter from them saying they would??. Thanks to all. Kind regards. Ann.

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Hi Ann. Welcome to the board. Your situation seems like a typical messy Welcome Finance case but dont fret as people will direct you in the right direction after reading your thread. The court and credit scenarios are too advanced for me but some of the more experienced heads on here will guide you.

What I would suggest is sending for A Subject Access Request at this stage to see just what Welcome have been upto regarding your account. It costs £ 10 quid and could be money well spent as they have to supply all info on you for the last 6 years.

http://www.consumerforums.com/resources/templates-library/86-debt-collectors/576-subject-access-request-debt-a-dca

 

Send a £ 10 Postal Order and only print your name on the letter, do not sign.

Send Recorded Delivery.

Welcome Finance Compliance Services Mere Way Ruddington Nottingham NG11 6NZ .

 

That will get you started and good luck.

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Hi, thanks for replying. I did request this information from their Solicitors and what WF did even before my very first payment was due was they "attempted" to take money out of my bank account before the DD Date. My bank statements from 2005 however, show no payment ever having been attempted by WF. WF had just added it to my account and began adding charges. They charged me for the RAC and they charged me for a mobile phone holder which was already in the car when we took it from them. They've charged for numerous "Court" appearances which they were supposed to have made, but as the Case was settled out of Court, no one had to even attend Court!!. They even charged me £300 for a Court appearance they apparently made in June, when the Court Case was settled in April!.. They're obviously seriously deranged. It doesn't matter what they do or what they say because, like said, the Tomlin Order supercedes anything WF can attempt. However, they are still blacklisting me for non payment on a loan account which was settled out of Court in April 2009! Hence my problem.... how do I get them to alter my credit report?

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I'm afraid the only way your going to get them to listen is to threaten proceedings then if necessary go ahead ............ Suggest you ignore Welcome & write direct to their solicitors setting out in chronological order the whole saga that you have already been refused credit advising them that if their clients refuse to address matters to your satisfaction you will not hesitate to instigate court proceedings for amongst other things their continued defamation

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Hi thanks for replying.

 

I will wait to hear what WF's reply is to our last communication before I go back to their Solicitors. That would be the best thing to do atm I think, but thanks because it never occurred to me to get back in touch with their Solicitors considering the Court stuff was all over and done with.

 

The Tomlin Order was agreed via the Courts and I have received a Court stamped copy of the Tomlin Order from WF's Solicitors.

 

I have a correction notice placed on my experian report, although it didn't do me a lot of good. Experian themselves have contacted WF twice to get an explanation from WF, but WF told Experian that I must contact them myself. I've had so much cr@p from WF, that I get extremely stressed out when I speak to them because they just don't listen. I'm not sure how long WF have to get back to me/the FOS, so I will Email the FOS later and ask them. Thanks again for replying.

 

Can you help with my second problem with WF? i.e. that they wrote and told me they would repay me my refund for the PPI and now they are disputing it!!??

 

Thanks..... Regards..... Ann.

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