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    • Sending you a big hug. I’m sorry your going through this. The letters they send sound aweful, and the waiting game for them to stop. But these guys seem so knowledgable and these letters should stop. Hang in there, and keep in touch. Don’t feel alone 
    • In my time I've never seen a payout/commission from a PPC to a landlord/MA. Normally the installation of all the cameras/payment of warden patrols etc is free but PPCs keep 100% of the ticket revenue. Not saying it doesn't happen mind. I've done some more digging on this: Remember, what your lease doesn't say is just as important as what it does say. If your lease doesn't mention a parking scheme/employment of a PPC/Paying PCNs etc you're under no legal obligation to play along to the PPC's or the MA's "Terms and conditions". I highly doubt your lease had a variation in place to bring in this permit system. Your lease will likely have a "quiet enjoyment" clause for your demised space and the common areas and having to fight a PPC/MA just to park would breach that. Your lease has supremacy of contract, but I do agree it's worth keeping cool and not parking there (and hence getting PCNs) for a couple months just so that the PPC doesn't get blinded by greed and go nuclear on you if you have 4 or 5 PCNs outstanding. At your next AGM, bring it up that the parking controls need to be removed and mention the legal reasons why. One reason is that under S37(5b) Landlord and Tenant Act 1987,  more than 75% of leaseholders and/or the landlord would have needed to agree, and less than 10% opposed, for the variation to take place. I highly doubt a ballot even happened before the PPC was bought in so OPS even being there is unlawful, breaching the terms of your lease. In this legal sense,  the communal vote of the "directors" of the freehold company would have counted for ONE vote of however many flats there are (leases/tenants) + 1 (landlord). It's going to be interesting to see where this goes.  
    • @Whyisitthisthank you very much for asking. I am still feeling anxious, especially when someone rings the doorbell, or when I receive a letter I feel a it paranoid. I stopped going to the shops unless I really have to. I shop online now. When I see security I feel paralised. 
    • My expectation was their WS would include the best paperwork, like at least true copies of originals, but these just look wrong somehow, perhaps the font and size of font... Not sending me the DN in CCA request but producing it for evidence I would argue could be a tactic used by them... - Page 11 with ticks - there is no reference to IP addresses - Home addresses are correct for dates in documents   Just looking up example Defendant WS's while awaiting your thoughts on this
    • Hello lovely, just posting to check in to see how you are feeling now? Hopefully your feeling better? 
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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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