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    • If that was the reason then that is good news. The whole reason that being able to charge £100 for breaching private car park rules is because the law Lords decided in a celebrated case that the rogues had a legitimate interest in keeping their car park spaces available for all motorists . {parking Eye v Beavis]. However when the business is closed then there is no legitimate interest in keeping spaces free so to charge £100 is a penalty. As such any Court would automatically throw out the case  when he penalty charge is accepted.
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    • yep they can be a bit like the TV licencing lot. for 4yrs ive been getting a series of about 8-10 diff letters that just go round a loop. currently upto 61
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    • new thread created for this claimform please post here now for anything to do with it now . 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.  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 CCA Request running to the claimant . https://www.consumeractiongroup.co.uk/topic/332502-cca-request-consumer-credit-act-1974-updated-january-2015/ .. Leave the £1 PO unsigned and uncrossed . get a CPR  31:14  request running to the solicitors [if one is not listed send to the claimant] ... https://www.consumeractiongroup.co.uk/topic/332546-legal-cpr-3114-request-request-for-information-when-a-claim-has-been-issued/ . .use our other CPR letter if the claim is for an OD or Telecom Debt or Util debt]  https://www.consumeractiongroup.co.uk/topic/332546-legal-cpr-3114-request-request-for-information-when-a-claim-has-been-issued/ on BOTH type your name ONLY Do Not sign anything .do not ever use or give an email . you DO NOT await the return of ANY paperwork  you MUST file a defence regardless by day 33 from the date on the claimform [1 in the count] ..............  
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Welcome Finance Full & Final Settlement


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People - dont mess around.

 

If these idiots at the sc*m are not listening to your SAR requests, apply to the court.

 

All the letters in the world wont move it forward like a judge will.

 

You cannot realistically expect to take WFS to court for non compliance of a SAR. Judgey will wonder why you didn't initially raise a complaint with the ICO.

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beg to differ...

 

why not?

 

Lets just sit back then and accept these bullies, once again dictating to us humble customers that they will do what and when they like.

 

13 Compensation for failure to comply with certain requirements

(1) An individual who suffers damage by reason of any contravention by a data controller of any of the requirements of this Act is entitled to compensation from the data controller for that damage.

(2) An individual who suffers distress by reason of any contravention by a data controller of any of the requirements of this Act is entitled to compensation from the data controller for that distress if—

(a) the individual also suffers damage by reason of the contravention, or

(b) the contravention relates to the processing of personal data for the special purposes.

(3) In proceedings brought against a person by virtue of this section it is a defence to prove that he had taken such care as in all the circumstances was reasonably required to comply with the requirement concerned.

 

Me thinks your wrong Fester..... sorry for that.

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Hi Folks,

 

I have received a `Final Response` letter today and have posted it up below. No proper statement so presumably they deem the statements provided with the SAR were correct? I have been a customer for 12 months - Jan 2009 does this make a difference to the type of statement provided/held? How strong is the case? I have already posted up the agreement. Would be grateful for any advice on what to do next please? Interesting the letter posted up says they have deleted my telephone contact details and yet I had a call last night and another one at 1300hrs today.

 

http://i815.photobucket.com/albums/zz76/ugbugdug/img012.jpg

 

http://i815.photobucket.com/albums/zz76/ugbugdug/img013.jpg

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Have just been hunting thru some paperwork and came across the attached is this the `proper` statement? Think we received this sometime in December and if it is why didnt they include it in the SAR? Really would appreciate some ones time and trouble in having a look at this and whether there is a strong enough case to proceed with this.

 

 

http://i815.photobucket.com/albums/zz76/ugbugdug/img014.jpg

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beg to differ...

 

why not?

 

Lets just sit back then and accept these bullies, once again dictating to us humble customers that they will do what and when they like.

 

13 Compensation for failure to comply with certain requirements

(1) An individual who suffers damage by reason of any contravention by a data controller of any of the requirements of this Act is entitled to compensation from the data controller for that damage.

(2) An individual who suffers distress by reason of any contravention by a data controller of any of the requirements of this Act is entitled to compensation from the data controller for that distress if—

(a) the individual also suffers damage by reason of the contravention, or

(b) the contravention relates to the processing of personal data for the special purposes.

(3) In proceedings brought against a person by virtue of this section it is a defence to prove that he had taken such care as in all the circumstances was reasonably required to comply with the requirement concerned.

 

Me thinks your wrong Fester..... sorry for that.

 

OK, if you say so. Court should be a course of last resort. But that's just MVHO of course.

 

Just quote the above to the judge when he asks you what you did to resolve the issue. I'm sure he'll be impressed with your grit and determination.

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lets decode this

 

£15000 over 12 years at an apr of 27.1%

thats

 

monthly payment £320.82

interest £31198.34

total payable £46198.34

 

acceptance fee £235

broker fee £1500

 

no insurance

 

so its £15000 loan

interest £31198.34

acceptance fee £235

broker fee £1500

 

total payable £47933.34

 

devide by 144 months gives a monthly payment of £332.87

 

 

welcomes figures of a monthly payment of £325.22 over 144 months gives a total figure of £46831.68

 

you will be short of £1101.66

 

amount of credit has been mis=stated:D

 

poor welcome:lol:

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Hi postggj,

Just wondered if you have had chance to do that letter yet?

 

I had another call from them yesterday morning at 10.45am despite the Final Response letter saying they had deleted my phone number off their database. It was quite farcical really asked me to confirm my password I refused thus conversation terminated.

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THIS IS PART OF THE LETTER I DID FOR OZZY

 

Welcome financial services

Compliance

Ruddington fields Business Park

Ruddington

Nottingham

Ng11 6nz

 

Date xxxx

 

Agreement number

 

Formal complaint as to your complaints procedure

 

Dear sir/madam

 

I am writing to you in regards to your continued reluctance to reply to my letters of dispute.

Be advised, if you fail to respond to this letter with in fourteen days of receipt a copy of this letter will be sent to the an style=\'float:right\'a style=\'padding-left:20px;text-align:right;font-size:80%;\' href=\'http://www.autolinker.com?ref=www.consumeractiongroup.co.uk\'AutoLinks by http://www.autolinker.com/a/span/div', BGCOLOR, '#63DD78', BORDERCOLOR, '#C9678E', BORDERWIDTH, '1', WIDTH, '-500', TITLE, 'The Financial Ombudsman Service', SHADOW, '1',FOLLOWMOUSE, 0, OPACITY, '95', FADEIN, '300', FADEOUT, '300', CLICKCLOSE, true,FOLLOWSCROLL, true,CLOSEBTN, true, PADDING, 0)" style="color: rgb(0, 0, 0); background: none repeat scroll 0% 0% rgb(255, 255, 255); font-family: Gill Sans; font-weight: bold; font-style: normal; text-decoration: underline; text-transform: none; font-size: 105%;">Financial ombudsmanlink3.gif, information commissionaire and the office of fair trading.

 

As you are aware on zz/zz/zzzz I sent you a formal request under s.77 to s.79 of the consumer credit act for a copy of my agreement.

 

Welcome financial services have failed in this request so a status of default exists.

You have been informed of this and informed that while this dispute continues

 

You may not demand any payment on the account, nor am I obliged to offer any payment to you.

* You may not add further interestlink3.gif or any charges to the account.

* You may not pass the account to a third party.

* You may not register any information in respect of the account with any credit reference agency.

* You may not issue a default notice related to the account.

 

With my letter of dispute welcome financial services was sent a telephone harassment letter to cease telephoning myself at home and work, and all future communications be done in writing.

 

Welcome financial services confirmed my telephone contact numbers will be removed on the 21/01/2010.

Copy enclosed

 

Can you tell me please why I am still receiving telephone callslink3.gif on both my land line and mobile with constant messages being left, on a daily basis?

 

I now feel that welcome finance has committed offences under section 40 of the administration of justice act 1970 and the protection from harassment act 1997.

 

I believe you are also in breach of the communications act (2003) s.127

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Have A Look At What I Posted On Ozzy Thread

 

That Letter Above Deals With The Harrasment

 

The Credit Mis-stated Can Be Added In

 

You Need To Start Understanding Your Dispute,

 

Ill Let You Do A Few Paragraphs And I Will Ammend And Advise To Go With It

 

Sooner You Get Started The More You Will Learn

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