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    • just to be clear here..... the DVLA do not send letters if a drivers licence address differs from any car's V5C that shows the same driver as it's registered keeper.
    • sorry she is a private individual, the cars are parking on her land. she can clamp the cars. only firms were outlawed from doing it bazza. thats what the victims of people dumping cars on their drives near airports did and they didn't not get prosecuted.    
    • The DVLA keeps two records of you. One as a driver and one for your car. If they differ you might find out in around a month when they will send you a reminder as well as to your other half for their car. If you receive nothing then you can be fairly sure that you were tailgating though wouldn't explain why they didn't pick up your car on one of drive past their cameras. However even if you do get a PCN later then your situation will not change. The current PCN does not comply with the Protection of Freedoms Act 2012 Schedule 4 which is the main law that covers private parking. It doesn't comply for two reasons. 1. Section 9 [2][a] states  (2)The notice must— (a)specify the vehicle, the relevant land on which it was parked and the period of parking to which the notice relates; The PCN states 47 minutes which are the arrival and departure times not the time you were actually parked. if you subtract the time you took to drive from the entrance. look for a parking place  park in it perhaps having to manoeuvre a couple of times to fit within the lines and unload the children reloading the children getting seat belts on  driving to the exit stopping for cars pedestrians on the way you may well find that the actual time you were parked was quite likely to be around ten minutes over the required time.  Motorists are allowed a MINIMUM of ten minutes Grace period [something that the rogues in the parking industry conveniently forget-the word minimum] . So it could be that you did not overstay. 2] Sectio9 [2][f]  (ii)the creditor does not know both the name of the driver and a current address for service for the driver, the creditor will (if all the applicable conditions under this Schedule are met) have the right to recover from the keeper so much of that amount as remains unpaid; Your PCN does not include the words in brackets and in 2a the Act included the word "must". Another fail. What those failures mean is that MET cannot transfer the liability to pay the charge from the driver to the keeper. Only the driver is now liable which is why we recommend our members not to appeal. It is so easy to reveal who was driving by saying "when I parked the car" than "when the driver parked the car".  As long as they don't know who was driving they have little chance of winning in court. This is partly because Courts do not accept that the driver and the keeper are the same person. And because anyone with a valid motor insurance policy is able to drive your cars. It is a shame that you are too far away to get photos of the car park signage. It is often poor and quite often the parking rogues lose in Court on their poor signage alone. I hope hat you can now relax and not panic about the PCN. You will receive many letters from Met, their unregulated debt collectors and sixth rate solicitors threatening you with ever higher amounts of money. The poor dears have never read the Act which states quite clearly that the maximum sum that can be charged is the amount on the signs. The Act has only been in force for 12 years so it may take a  few more years for the penny to drop.  You can safely ignore everything they send you unless or until they send you a Letter of Claim. Just come back to us if they do send one of those love letters to you and we will advise on a snotty letter to send them. In the meantime go on and enjoy your life. Continue reading other threads and if you do get any worrying letters let us know. 
    • Hopefully the ANPR cameras didn't pick up the two vehicles, but I don't think you're out of the woods just yet. MET's "work" consists of sending out hundreds of these invoices every week so yours might be a few days behind your partner's. There is also the matter of Royal Mail.  I once sold two second-hand books to someone on eBay.  Weirdly the cost of sending them separately was less than the cost of sending them in one parcel.  So to save a few bob I sent them seperately.  One turned up the next day.  One arrived after four days.  They were  sent from the same post office at the same time! But let's hope I'm being too pessimistic. Please update us of any developments.
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Welcome Fin. Loan rewritten, wrong car on agreement


gonnabreaksoon
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Hi everyone,

 

I have a car on finance with Welcome Financial Services. Last year I fell into arrears when the fuel pump went (the car is a lemon unfortunately!). When we first signed the contract at Carcraft in Bristol the salesman stated that after 2 years with good payment history we could opt out. I attempted this last year after I got the fuel pump replaced but was told by Welcome that I would have to pay a termination charge etc etc - and it was around £1800. So! I had to have the loan rewritten. A guy came to my house and gave me a new credit agreement, needless to say heavily weighted in Welcomes favour. Later on when he had gone I noticed that the agreement is for a different car altogether and some of the boxes are filled with obviously dummy entries. So it's not a valid contract.

 

My question is, bearing in mind now the head gasket has gone (it's a freelander and not much point fixing it) and there's £7000 left on it, I want out. Can I wriggle out of this any way?

 

Let me know if you want scans.

 

Cheers

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Post up the agreement minus car and you details but leave figures in :)

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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Hi gonna break when you have uploaded them use the code (without thumbnails ) :)

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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these contain personal info remove and blank out car details ;) i know it isnt your car but you may still be identifiable ;)

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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hi

 

i am not an expert but touching on something post keeps advising is if this is an agreement to rewrite an original agreement, albeit at inflated terms should this not be an agreement to modify?

 

also your interest on £6676 at a flate rate of7% over 60 months should be £2336.6

 

your charge for finance includes interest on your acceptance fee of 195 and as i have previously stated i am no expert but i have read this a no no and others more informed than me will tell you if im wrong.

 

6676 +195 + 6871 charged at 7% over 5 years + 2404.85 not2405 as stated in your agreement

 

wrong car = no agreement

 

essexboy

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  • 1 year later...

Hey folks, sorry to bump my old thread but I need to get some clarity on this as I really don't know where to go from here!

 

Since my last post I fell ill, pretty bad, long time in hospital. Now I'm recovered I still have this car, Sorned, outside my house (new address, Welcome don't know it). I did an HPI check on the reg and it states still in contract, money owed etc. What can I do? I can't scrap it or sell it and if I fix it and use it, what action will Welcome take when they discover it's being used and find my whereabouts? Or will they? Arrgh!!

 

Thanks essexboy for your post, much appreciated. You say wrong car, no agreement - do you have any ideas where I might go from here?

 

Hoping some of you lovely people can advise a stressed out fool! :-)

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  • 4 weeks later...

Sit down dbabylon - i agree with you on this concerning the re-write off trade premises - good spot.

 

On the s.49 issue may be depnedant on what their CCL covers them for - but will pull up a copy of thier licence and see.

 

gonnabreak - what stage are you at with Welcome on this agreement?

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  • 4 months later...
  • 2 months later...

Again sorry for the delay, so many things are going on. Welcome have traced me to my new address and their agents sent a letter saying their client sees no reason why I shouldn't pay ( I have in the past mentioned to Welcome that the agreement is void). I've left it at that. I don't know what to do apart from tow the thing to their offices and leave it there with a note on it!

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