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    • I'm at work now but promise to look in later. Can you confirm how you paid the first invoice?  It wasn't your fault if the signal was so poor and there was no alternative way to pay.  There must be a chance of reversing the charge with your bank.  There are no guarantees but Kev  https://find-and-update.company-information.service.gov.uk/company/09766749/officers  has never had the backbone to do court so far.  Not even in one case,  
    • OK  so you may not have outed yourself if you said "we". No matter either way you paid. Snotty letter I am surprised that they were so quick off the mark threatening Court. They usually take months to go that far. No doubt that as you paid the first one they decided to strike quickly and scare you into paying. Dear Chuckleheads  aka Alliance,  I am replying to your LOCs You may have caught me the first time but that is  the end. What a nasty organisation you are. You do realise that you now have now no reason to continue to pursue me after reading my appeal since you know that my car was not cloned. Any further pursuit will end up with a complaint to the ICO that you are breaching my GDPR.  Please confirm that you have removed my details from your records. ------------------------------------------------------------------------------------------------------------------------------------------------------------ I haven't gone for a snotty letter this time as they know that you paid for your car in another car park. So using a shot across their bows .  If it doesn't deter them and they send in the debt collectors or the Court you will then be able to get more money back from them for  breachi.ng your data protection than they will get should they win in Court-and they have no chance of that as you have paid. So go in with guns blazing and they might see sense.  Although never underestimate how stupid they are. Or greedy.
    • Thank you. Such a good point. They did issue all 3 before I paid though. I only paid one because I didn’t have proof of parking that time, only for two others.    Unfortunately no proof of my appeal as it was just submitted through a form on their website and no copy was sent to me. I only have the reply. I believe I just put something like “we made the honest mistake of using the incorrect parking area on the app” and that’s it. Thanks again for your help. 
    • They are absolute chuckleheads. You paid but because you entered a different car park site also belonging to them they are pursuing you despite them knowing what you had done. It would be very obvious to everyone, including Alliance that your car could not have been in two places at the same time. Thank you for posting the PCN so quickly making it a pity that you appealed since there are so many things wrong with it that you as keeper are not liable to pay the charge. They rarely accept appeals since that would mean they lose money but they have virtually no chance of beating you in Court. Very unlikely that they will take you to Court given the circumstances. Just in case you didn't out yourself as the driver could you please post up your appeal.
    • Jasowter I hope that common sense prevails with Iceland and the whole matter can be successfully ended. I would perhaps not have used a spell checker just to prove the dyslexia 🙂 though it may have made it more difficult to read. I noticed that you haven't uploaded the original PCN .Might not be necessary if the nes from Iceland is good. Otherwise perhaps you could get your son to do it by following the upload instructions so that we can appeal again with the extra ammunition provided by the PCN. Most of them rarely manage to get the wording right which means that you as the keeper are not liable to pay the charge-only the driver is and they do not know the name and address of the driver. So that would put you both in the clear if the PCN is non compliant.
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Welcome moved the goalposts


slimblondeuk
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PLEASE SOMEONE ANSWER....HELLLLP! Its been about a week since monkey came and went, my question is, will they obtain a court order and what happens if they do, do i go "tadaaa" with my agreement or what. Will they been even be bothered to get a court order, I'm scared i haven't heard anything from them for a couple of weeks, i feel like their hiding round the corner ready to go "BOO"!, me nerves cant take it. Anybody know anything about these court order things, and if it means not having postggji writing me a letter too that would be great because i know he's busy. xxxx

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Hi, don't panic, we're still with you! :)

 

Couple of questions first of all:

 

Did you get the names/numbers of the police who attended? (Just in case the monkey tries coming back again without a court order)

 

Have you paid over a third of the agreement? (sorry if you've already answered this one).

 

I'll be honest and say that Ive no idea about what's involved for Welcome getting a court order. Hopefully somebody with a bit of knowledge on that side will be able to put us in the picture.

 

Having said that, you seem to have a dodgy agreement and they are trying to terminate on a "toilet roll" DN, so Im sure that's good news.

 

Looking back through your thread I see you are waiting for the letter from Postggj to put your account in dispute. Unfortunately he doesn't seem to have, errm "Posted" for a while (pardon the pun), so he might be struggling to log on or something.

 

In the meantime, I think it's important to get an official letter sent to compliance in Nottingham to get the ball rolling in the unlikely event someone else comes knocking at your door. Here's a few threads with examples of one's Postggj has done in the past, which will give you a start point:

 

http://www.consumeractiongroup.co.uk/forum/welcome-finance/230291-welscum-5.html

 

http://www.consumeractiongroup.co.uk/forum/welcome-finance/235619-welcome-need-help-3.html

 

http://www.consumeractiongroup.co.uk/forum/welcome-finance/231525-help-welcome-finance-2.html

 

 

I don't think you need to put too much for now, just keep it straight-forward and simple, but make it clear that you are putting the account into official dispute. Also, I wouldn't mention the dodgy DN for now...keep that one up your sleeve until one of the more knowledgable ones can advise further.

 

When you've got your rough draft post it up for people to check before sending.

 

 

Anyone else got any further advice?

 

Good luck :)

Edited by djwigster
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hi djwigster, thank you for answering my cry! I did get the names of the police,and no I have not paid a third of the agreement, thats what i'm worried about. The letter you put up were helpful but i really don't have te foggiest where to start shall i just copy postggi post about the figures, i dont have a clue sorry.

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Hi Slim just bumping for you I noticed that it was around 10days between your termination letter and attempted repo so watch for my story soon :lol: lets hope I get a nice officer of the law :D Seeing a solicitor monday morn so hopefully will get abit of help from there ill be sure to post everything I find out on my thread :)

I am a consumer just like you, please get a second opinion or investigate yourself on anything I advise as I am in no way legally trained. Everything I know has come from the Mighty CAG and fellow CAGGERS. :cool:

 

If I have helped in any way please click my reputation star and make a donation to CAG to enable us all to continue to help each other :cool:

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Still cant sleep, worrying myself stupid about this, shall i just write in the letter: i'm putting the account into dispute heres my agreement number? Sorry to ask again, but just a bit scared, husband moved out yesterday so i'm going to have to handle this by myself, and my 12 year old keeps looking out of the window to see if the 'baliff' is coming back. I just want to cry. :(

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Good luck beyondhope! :D Wonderin if I should consult a solicitor, costly business though.

 

 

Thanks Slim Im only going for a free 20min consultation as an initial look through see what stage Im at and what I can do next sort of thing. Apparently they take legal aid cases but on reading legal aid website you cant use through small claims so im not sure. Theres no way im in a position to see this through with a solicitor without legal aid though.

 

Still cant sleep, worrying myself stupid about this, shall i just write in the letter: i'm putting the account into dispute heres my agreement number? Sorry to ask again, but just a bit scared, husband moved out yesterday so i'm going to have to handle this by myself, and my 12 year old keeps looking out of the window to see if the 'baliff' is coming back. I just want to cry. :Cry:

 

Try not to get too stressed by it all :( Im sorry to hear about your husband and dont worry about your 12 year old kids are very resilient creatures. I dont know what to suggest other than having a ring round for a free consultation with a solicitor alot do offer the initial chat free and theres no obligation to stay with them

I am a consumer just like you, please get a second opinion or investigate yourself on anything I advise as I am in no way legally trained. Everything I know has come from the Mighty CAG and fellow CAGGERS. :cool:

 

If I have helped in any way please click my reputation star and make a donation to CAG to enable us all to continue to help each other :cool:

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HELP! heres my letter, if someone could peruse it i would be very grateful then i can get it sent off. Thanks in advance.

 

 

 

Welcome Financial Services

Compliance

Ruddington Fields Business Park

Ruddington

Nottingham

NG11 6N3

 

Date

 

Agreement Number

 

Dear Sirs

 

After going over my agreement to modify my hire purchase agreement, I feel it necessary to ask some questions as to the validity of said agreement. I wil try and simplify things to expedite this matter.

 

 

The option fee has been classed as a charge for credit :£1.00 (u)

 

Charge credit for goods: S+T+U = £2,974.98 (v)

 

It has then been carried over to Total Charge for Credit: V+W = £3,203.78 (x)

 

This option fee needs to be added either on the first or last payment of the agreement. As it has been included in the total charge for credit, I therefore question the validity of said agreement. Explanations of this matter would be welcomed forthwith.

 

Regards

 

 

 

How does that sound people, some feedback would be great. ;)

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Sounds ok to me although id probably put a timescale such as 14 days rather than forthwith :)

 

is the account in dispute already?

I am a consumer just like you, please get a second opinion or investigate yourself on anything I advise as I am in no way legally trained. Everything I know has come from the Mighty CAG and fellow CAGGERS. :cool:

 

If I have helped in any way please click my reputation star and make a donation to CAG to enable us all to continue to help each other :cool:

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Have you done a CCA and SAR? if not do those as well

I am a consumer just like you, please get a second opinion or investigate yourself on anything I advise as I am in no way legally trained. Everything I know has come from the Mighty CAG and fellow CAGGERS. :cool:

 

If I have helped in any way please click my reputation star and make a donation to CAG to enable us all to continue to help each other :cool:

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two ticks ill post them for you now

 

the cca request needs a £1 postal order

the sar needs £10 postal order

both need sending recorded (in same envelope if you like) to compliance in nottingham

 

cca they have to respond within 14days

sar they have to respond within 40 days

 

NEVER sign any letters to them

 

ill be back in a tick with letters for you :)

I am a consumer just like you, please get a second opinion or investigate yourself on anything I advise as I am in no way legally trained. Everything I know has come from the Mighty CAG and fellow CAGGERS. :cool:

 

If I have helped in any way please click my reputation star and make a donation to CAG to enable us all to continue to help each other :cool:

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Subject access requestlink8.gif (dont forget the £10!!)

 

RE: ACCOUNT NUMBER: xxxxxxx

 

Data Protection Act 1998

 

Subject access requestlink8.gif

 

Please supply me with all data that you hold on me. This includes in particular, but is not limited to, the following:-

 

1. The original signed, executed credit agreement/s and any terms and conditions that applied to the account/s at the time of default and at the time the account/s was/were opened.

 

2. Where there has been any event in my account history over this period which has required manual intervention by any person, I require disclosure of any indication or notes which have either caused or resulted in that manual intervention

 

3. True copies of any notice of assignment and default notices or enforcement notice that you/or name of the original creditor sent me, with a copy of any proof of postage that you hold.

 

4. Documents relating to any insurance added to the account/s, including the insurance contract and terms and conditions, date/s they were/ it was added and deleted. (if applicable).

 

5. Details of any collection charges added to the account/s; specifically, the date they were/it was levied, the amount of the charge, a detailed financial breakdown of how the charge was/charges were calculated, and what the charge covers/charges cover.

 

6. Specific details of the fees/charges levied by any other agency in respect of this account/these accounts and a detailed breakdown of said fees/charges and what each charge relates to and on what date said fees/charges were levied.

 

7. A genuine copy of any notice of fair use of my data as required by the Data Protection Act 1998

 

8. A list of third party agencies to whom you have disclosed my personal datalink8.gif and a summary of the nature of the information you have disclosed.

 

9. Copies of statements for the entire duration of the credit agreement/s.

 

10.Termination notices

 

PLEASE NOTE that unless otherwise stated by yourselves and if the above documents are NOT provided, it will be CONFIRMED that you are unable to reproduce/provide in any way shape or form any copies of the above requested documents. You are reminded that you have a duty to inform me if you do not have the above documents. This is confirmed in High Court Law - Ezsias v Welsh Ministers - [2007] All ER (D) 65 (Dec)

 

You are reminded that you are obliged to supply all the above documents in line with the Information Commissioners Technical Guidance update (Dated August 2007)

 

I enclose the statutory maximum fee of £10. You have 40 days in which to comply.

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.

 

Yours faithfully,

I am a consumer just like you, please get a second opinion or investigate yourself on anything I advise as I am in no way legally trained. Everything I know has come from the Mighty CAG and fellow CAGGERS. :cool:

 

If I have helped in any way please click my reputation star and make a donation to CAG to enable us all to continue to help each other :cool:

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Re: Account Number: xxxxxxxxxxxx

 

This letter is a formal request pursuant to s.77(1) - s79 of the Consumer Credit Act 1974. I require you to provide me with a true copy of the credit agreements relating to the above accounts, 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.

I am a consumer just like you, please get a second opinion or investigate yourself on anything I advise as I am in no way legally trained. Everything I know has come from the Mighty CAG and fellow CAGGERS. :cool:

 

If I have helped in any way please click my reputation star and make a donation to CAG to enable us all to continue to help each other :cool:

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  • 2 weeks later...

Dont ya just hate it when they go all quiet on you :lol: Be patient im sure you will receive something soon :)

I am a consumer just like you, please get a second opinion or investigate yourself on anything I advise as I am in no way legally trained. Everything I know has come from the Mighty CAG and fellow CAGGERS. :cool:

 

If I have helped in any way please click my reputation star and make a donation to CAG to enable us all to continue to help each other :cool:

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