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    • Thank you for posting up the results from the sar. The PCN is not compliant with the Protection of Freedoms Act 2012 Schedule 4. Under Section 9 [2][a] they are supposed to specify the parking time. the photographs show your car in motion both entering and leaving the car park thus not parking. If you have to do a Witness Statement later should they finally take you to Court you will have to continue to state that even though you stayed there for several hours in a small car park and the difference between the ANPR times and the actual parking period may only be a matter of a few minutes  nevertheless the CEL have failed to comply with the Act by failing to specify the parking period. However it looks as if your appeal revealed you were the driver the deficient PCN will not help you as the driver. I suspect that it may have been an appeal from the pub that meant that CEL offered you partly a way out  by allowing you to claim you had made an error in registering your vehicle reg. number . This enabled them to reduce the charge to £20 despite them acknowledging that you hadn't registered at all. We have not seen the signs in the car park yet so we do not what is said on them and all the signs say the same thing. It would be unusual for a pub to have  a Permit Holders Only sign which may discourage casual motorists from stopping there. But if that is the sign then as it prohibits any one who doesn't have a permit, then it cannot form a contract with motorists though it may depend on how the signs are worded.
    • Defence and Counterclaim Claim number XXX Claimant Civil Enforcement Limited Defendant XXXXXXXXXXXXX   How much of the claim do you dispute? I dispute the full amount claimed as shown on the claim form.   Do you dispute this claim because you have already paid it? No, for other reasons.   Defence 1. The Defendant is the recorded keeper of XXXXXXX  2. It is denied that the Defendant entered into a contract with the Claimant. 3. As held by the Upper Tax Tribunal in Vehicle Control Services Limited v HMRC [2012] UKUT 129 (TCC), any contract requires offer and acceptance. The Claimant was simply contracted by the landowner to provide car-park management services and is not capable of entering into a contract with the Defendant on its own account, as the car park is owned by and the terms of entry set by the landowner. Accordingly, it is denied that the Claimant has authority to bring this claim. 4. In any case it is denied that the Defendant broke the terms of a contract with the Claimant. 5. The Claimant is attempting double recovery by adding an additional sum not included in the original offer. 6. In a further abuse of the legal process the Claimant is claiming £50 legal representative's costs, even though they have no legal representative. 7. The Particulars of Claim is denied in its entirety. It is denied that the Claimant is entitled to the relief claimed or any relief at all. Signed I am the Defendant - I believe that the facts stated in this form are true XXXXXXXXXXX 01/05/2024   Defendant's date of birth XXXXXXXXXX   Address to which notices about this claim can be sent to you  
    • pop up on the bulk court website detailed on the claimform. [if it is not working return after the w/end or the next day if week time] . When you select ‘Register’, you will be taken to a screen titled ‘Sign in using Government Gateway’.  Choose ‘Create sign in details’ to register for the first time.  You will be asked to provide your name, email address, set a password and a memorable recovery word. You will be emailed your Government Gateway 12-digit User ID.  You should make a note of your memorable word, or password as these are not included in the email.<<**IMPORTANT**  then log in to the bulk court Website .  select respond to a claim and select the start AOS box. .  then using the details required from the claimform . defend all leave jurisdiction unticked  you DO NOT file a defence at this time [BUT you MUST file a defence regardless by day 33 ] click thru to the end confirm and exit the website .get a CPR 31:14 request running to the solicitors https://www.consumeractiongroup.co.uk/forum/showthread.php?486334-CPR-31.14-Request-to-use-on-receipt-of-a-PPC-(-Private-Land-Parking-Court-Claim type your name ONLY no need to sign anything .you DO NOT await the return of paperwork. you MUST file a defence regardless by day 33 from the date on the claimform.
    • well post it here as a text in a the msg reply half of it is blanked out. dx  
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    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Welcome contract unenforceable??


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Hi i am currently having problems with wf and read somewhere that the loan on my car is unenforceable if they charged interest on the exceptance fee or something like that, details of the agreement are as follows:

cash price of goods = 6500.00 (m)

deposit cash = 1000.00 (p)

acceptance fee = 195.00 (s)

finance charges for goods = 2391.68 (t)

option fee = 100.00 (u)

charge for credit for goods = 2686.68 (s+t+u) = (w)

total charge for credit = 2686.68 (x)

 

rate of interest 14%

 

Have they charged me interest on the acceptance fee and option fee as i think and have they made the agreement unenforceable???

please help all help appreciated thanks

 

could someone also help with the letter to send them requesting all monies paid to be refunded :-(

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just uploaded to photobucket, how do i let you see them, cos it hasnt given me a url just my log in thing

 

 

There should be the word share above or below the document you uploaded go there and use the code starting just paste that code into a new message here

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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lets try and decode this welcome piece of crap

 

welcome agreements by design are to confuse

 

amout of credit £5500

interest will be £2649.46 not £2391.68 acording to welcome

the total amount payable will be £8149.46

 

next we need to add on acceptance fee/option fee and interest to give a total of £3239.46 add the amount of credit £5500 gives a grand total of £8739.46

so where does this total amount payable on the agreement of £9186.68 come from

 

well take off a grand for deposit, makes no difference as the total amount payable has been misstated

 

the figures are out by £447.22

 

lets work out the monthly payment

 

£8739.46 by 36 months gives a monthly figure of £242.76 not £224.63

 

 

thats why welcome will allways say your agreement is never finished

 

have you got a document called statement of price

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Hi just wrote this letter can anyone check it prior to me sending it out?

 

To Whom it May Concern,

I write to inform you that following a visit to the citizens advice, and a legal representative, I have found that your Hire Purchase agreement is in breach of the consumer credit act 1974. due to the following:

Your agreement states:

cash price of goods = 6500.00 (m)

deposit cash = 1000.00 (p)

acceptance fee = 195.00 (s)

finance charges for goods = 2391.68 (t)

option fee = 100.00 (u)

charge for credit for goods = 2686.68 (s+t+u) = (w)

total charge for credit = 2686.68 (x)

total payable = 9186.68 (f)

rate of interest 14%

However the correct figures are as follows:

amount of credit £5500

interest will be £2649.46 not £2391.68 according to welcome

the total amount payable will be £8149.46

 

next we need to add on acceptance fee/option fee and interest to give a total of £3239.46 add the amount of credit £5500 gives a grand total of £8739.46

so where does this total amount payable on the agreement of £9186.68 come from

 

well take off a grand for deposit, makes no difference as the total amount payable has been misstated

 

the figures are out by £447.22

 

lets work out the monthly payment

 

£8739.46 by 36 months gives a monthly figure of £242.76 not £224.63

 

 

Due to the above I now inform you that your Hire purchase contract is unenforceable, also the default notice attached to the above account is therefore illegal, and that both of the above contradicts the consumer credit act. I now without prejudice request that all the monies paid to you on the above account have become due upon to me and must be returned to me in full, I also request the deposit paid in full and the removal of the data added to my credit file. I also need address details as to where the vehicle in question needs to be returned.

I believe I do not need to inform you that should my request not be adhered to I am legally entitled to return of all monies paid on this account plus associated court costs and legal fees along with 8% interest as standard.

I also give you 7 days to rectify the above, failure to do so will incur a £10 a day storage charge on the vehicle, which I will store for the time equal to the amount of the trade value of the car, which is currently £2700.00, at which time I will sell the vehicle to cover costs and will pursue the remaining debt through the courts.

As the account is now in legal dispute I must inform you that no further money will be paid by us,nor can you legally request any, and no further charges can be added to this account. Due to a harassment of phone calls from your company I feel obliged to inform you that all further contact must now be made via letter, the return address is that which you use for normal correspondence and that has never come in question before so I assume that this request will be forthcoming.

 

 

 

Yours Sincerely

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i like your thinking on this but i had better do the letter

you will not be able to reclaim payments as the agreement is only unenforceable

 

but you get to keep the car as its classed as a gift

 

never mention a defective default notice

only pull that rabitt out the hat if a court claim has been issued

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  • 5 months later...

Hi post, any how here goes, sent a letter before action to welcome finance, and they replied with the following letter:

 

Dear Sirs,

xxxxxxxxxx

 

FINAL RESPONSE

 

The purpose of this letter is to explain the results of my investigation into your complaint. I am pleased to advise that following my investigation i have concluded that the complaint is justified and i therefore upheld the complaint. What follows is my explination of why i have upheld the complaint and what i propose to do about it.

 

I am sorry that you have had to make this complaint. At welcome financial services we take complaints very seriously and will do our best to resolve any problems as quickly as possible.

 

My understanding of the complaint is:

+ you feel that the agreement is incorrect and therfore unenforceable.

 

If i have misunderstood the complaint, or any aspects of it, please contact me using the details in this letter.

 

I have investigated the complaint by:-

+ reviewing your signed agreement relating to this complaint

 

My findings are

+ the agreement is correct and therefore welcome finance does not acknowledge you claim that it is unenforceable. please find a copy of this agreement enclosed.

 

My conclusion is as follows

 

+ the amount of £6500 for the cash price of the goods is correct (car was actually £6495) the amount of credit is £5500 due to the £1000 cash deposit paid.

+the amount of £9186.58 for the total amount payable is correct. the figure includes both the deposit and the £100 option fee, neither of which were included in the loan. take this £1100 from the figure, and you are left with the £8086.68 which was dispursed for the loan.

+the contractual payments of £224.63, multiplied by the 36 month period is equal to the amount £8086.68.

 

Correct me if im wrong Postgg, but didnt he say in his letter i had my claim was justified but then contradicted what he said by backing the company??

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