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    • Thank-you dx for your feedback. That is the reason I posted my opinion, because I am trying to learn more and this is one of the ways to learn, by posting my opinions and if I am incorrect then being advised of the reasons I am incorrect. I am not sure if you have educated me on the points in my post that would be incorrect. However, you are correct on one point, I shall refrain from posting on any other thread other than my own going forward and if you think my post here is unhelpful, misleading or in any other way inappropriate, then please do feel obliged to delete it but educate me on the reason why. To help my learning process, it would be helpful to know what I got wrong other than it goes against established advice considering the outcome of a recent court case on this topic that seemed to suggest it was dismissed due to an appeal not being made at the first stage. Thank-you.   EDIT:  Just to be clear, I am not intending to go against established advice by suggesting that appeals should ALWAYS be made, just my thoughts on the particular case of paying for parking and entering an incorrect VRN. Should this ever happen to me, I will make an appeal at the first stage to avoid any problems that may occur at a later stage. Although, any individual in a similar position should decide for themselves what they think is an appropriate course of action. Also, I continue to be grateful for any advice you give on my own particular case.  
    • you can have your humble opinion.... You are very new to all this private parking speculative invoice game you have very quickly taken it upon yourself to be all over this forum, now to the extent of moving away from your initial thread with your own issue that you knew little about handling to littering the forum and posting on numerous established and existing threads, where advice has already been given or a conclusion has already resulted, with your theories conclusions and observations which of course are very welcomed. BUT... in some instances, like this one...you dont quite match the advice that the forum and it's members have gathered over a very long consensual period given in a tried and trusted consistent mannered thoughtful approach. one could even call it forum hi-jacking and that is becoming somewhat worrying . dx
    • 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 !!!  🖕 The more I read this forum and the more I engage with it's incredible users, the more I learn and the more my knowledge expands. If my case gets to court, the Judge will dismiss it after I utter my first sentence, and you DCBL and Highview don't even know why .... OMG! .... So excited to get to court!
    • 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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Stupid Welcome Customer


lawrence147
style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 5135 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

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I'm sorry emanevs, I may sound like an idiot but I don't know how this helps my case.

 

We signed the contract in Welcome's branch office and, as far as I can see, this doesn't help as its Distance Marketing Regulations.

 

Please help!

 

Lawrence

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Dont worry, you are no idiot, the welscum are!!!

 

just trying to build up as much of a case for you as possible. This is just one part.

 

When you went in to sign for the loan did you have the agreement seven days prior? (see your contract - your rights). Could they prove it as well?

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Cooling off and your right to cancel

 

You will benefit from a cooling off period if the credit agreement was made in one of the following ways:

  1. For agreements signed away from the creditor’s normal business premises – i.e. at your home, place of work or at an exhibition stand
  2. For agreements made at a distance (this also includes banking, insurance, pensions and investments)
  3. For financial products and services marketed by an intermediary or broker (even where this is face to face)

For agreements which fall under (1), you will have a cooling off period of 5 days, which begins from the time you receive the second copy of the agreement (containing the cancellation form). For contracts which fall under (2) and (3), you benefit from a 14 day cooling off period (30 days for life insurance and personal pensions). Unlike the cooling off period for goods bought under the Distance Selling Regulations (DSRs), the creditor may make a reasonable charge for any service (such as insurance cover) which was operating during this time.

 

There are specific guidelines on how you should cancel the contract, which must be notified to you by the creditor before or immediately after the contract is made. If the creditor does not make this information available to you, then your cooling off period will not begin until this happens.

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Just read this on the net looking for MIF. Its for a MIG (same i think)

Quote:

 

MIG: Mortgage Indemnity Guarantee. If you borrow more than 75% of the value of your house, you'll probably get stung with one of these. It insures the lender against you being unable to pay. Even though it's you that pays this premium, it still won't stop you ending up at the Salvation Army soup kitchen.

 

My own property was at 36000 when i bought it. At time of loan 1 year later the house next door sold for 72000! And they still hit me with this...

I feel they are on thin ice with making this one stick with me or a court for that matter...

 

Yahoo! UK and Ireland - Finance - Glossary

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We signed the forms on the 18th and they gave us the cheque after seven days. Knowing Welcome's storage procedures (microfiche, of which our contract looks to have been sourced from) I am not sure they can prove it.

 

We do not remember being told of any guidelines regarding cancellation.

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Yeah been keeping up with this site and the regular financial news.

 

Cattles are losing £1m A DAY through welcome and WFS has £2.7bn in 'toxic' debt!

 

They wanted to wind down the company, collecting what they can from the loanbook within 2 - 3 years.

 

If it doesn't close tomorrow, then I give them 3 months.

 

Happy Days:D:D

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  • 1 month later...

Hi Guys,

 

I could use some help on this since we received this letter today:

 

 

Obviously I am not happy with this decision and am starting a full complaint with the FOS and any other body that will help.

 

Can someone give me some advice on what they have ignored this time to reject my complaint?

 

Many thanks in advance

 

Lawrence

Decision - 05.03.2010.pdf

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Lawrence, this is a standard letter ping pong with welcome. I have read the letter but cannot check all the details as I am at work. dont give up and let Post have a read of it before you do anything as i think he will love to reply to this. I will help in more detail as soon as I can.

 

 

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Sorry i cant help with writing welcome a letter but i can point you in direction of complaining to fos if thats any help

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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bottom line is that this agreement is clearly automatically unenforceable.

 

303 @ 168 = 50904 (TAP)

total charge for credit = 30,257.90

apr = 16.8% (AND NOT 16.50% AS SHOWN ON YOUR AGREMEENT)

 

See schedule 6, prescribed term - rate of interest.

 

ENJOY!

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Lawrence lets check this contract.

 

Your loan is £20,411.10 over 168 months at 17.10% APR

thats a monthly repayment of £303.58

interest £30,590.54

total payable £51,001.64

 

you have no insurances.

 

Add £51,001.64 to the acceptance fee of 235 giving figure of £51,236.64

divide by 168 to give a monthly figure of 304.98 were welcome say 303.00 doesnt sound a lot but you will have shortfall at the end of 332.64 .

 

the contract is incorrect.

 

OZZY, PLEASE WOULD YOU EXPLAIN WHY ITS INCORRECT, INCLUDING LEGISLATION?

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