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    • more detest the insurrectional ex variety dx
    • Laura, I was surprised that the Director said that you hadn't appealed twice. I thought that the letter you posted on 24th June was the second appeal and that was to the IAS. And they did say that there was no further appeal possible. Could you please explain how many times you appealed. I am going to read your WS now. PS  Yes I meant to say that the keeper did not have a licence therefore it was wrong of them to assume he was the driver and the keeper. Thanks for picking that up.
    • In answer to your questions yes even though it wasn't called that, it was the NTK. Had it been a windscreen ticket you would not have received the NTK until 28 days had elapsed. In earlier times if the warden was present then a windscreen ticket would have been issued. It nows seems that the DVLA and the Courts don't see a problem  with not issuing a ticket when a warden is on site. A period of parking must mean that ther e has to be a start time and a finish time in order for it to be considered a period. A single time does not constitute a period. I am not sure what you mean by saying it could be taken either way.  All they have mentioned is  the incident time which is insufficient. There are times on the photos about one minute apart which do not qualify as the parking period because they are not on the PCN itself. The reason I asked if the were any more photos is that you should be allowed 5 minutes Consideration period for you to read the signs and decide whether you want to accept them and you do that by staying longer than 5 minutes. if  more  do not have photos of your staying there for more than 5 minutes they are stuffed. You cannot say that you left within the 5 minute period if you didn't , but you can ask them, should it get to Court , to provide strict proof that you stayed longer than the statutory time. If they can't do that, case over.
    • I recently bought some trainers from Sports Direct and was unhappy with them and their extortionate delivery and return postage charges. I tweeted about being unhappy, and received a reply from someone claiming to be from Sports Direct asking me to send my order number and email address by pm, so a claim could be raised. Which I (stupidly) did. The account used Sports Direct's name and branding, and a blue tick.  The following day I received a call from "Sports Direct Customer Service", and with a Kenyan number. They asked for details of the issue, and then sent me an email with a request to install an app called Remitly. They provided me with a password to access the app then I saw that it had been setup for me to transfer £100, and I was asked to enter my credit card number so they could "refund" me. I told them I was uncomfortable with this (to say the least), and was just told to ring them back when I did feel comfortable doing it. Ain't never gonna happen.  I just checked my X account, and the account that sent the message asking for my details is gone. I feel like a complete idiot falling for what was a clear scam. But at least I realised before any real damage was done. if you make a complaint about a company on social media, and you get a reply from someone claiming to be from that company and asking for personal details, tread very carefully.   
    • The good news is that their PCN does not comply with the Protection of Freedoms Act 2012  Schedule 4.. First under Section 9 (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; (b)inform the keeper that the driver is required to pay parking charges in respect of the specified period of parking and that the parking charges have not been paid in full; The PCN does not specify the parking period. AS you rightly say the ANPR times do not include driving to the parking space and then from there back to the exit. And once you include getting children in and out of cars especially if seat belts are involved the time spent parked can be a fair bit less than the ANPR times but still probably nowhere near the time you spent. But that doesn't matter -it's the fact that they failed to comply. Also they failed to ask the keeper to pay the charge.  Their failure means that they cannot now transfer the charge from the diver to the keeper . Only the driver is now liable. As long as UKPA do not know who was driving it will be difficult for them to win in Court as the Courts do not accept that the driver and the keeper are the same person. Particularly as anyone can drive any car if they have the correct insurance. It might be able to get more reasons to contest the PCN if you could get some photos of the signs. both at the entrance and inside the car park. the photos need to be legible and if there are signs that say different things from others that would also be a help.
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cityredgirl v Welcome Finance


cityredgirl
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well atleat its only £50.

 

now we need to review the whole thread.

 

in some of your first images you've left names and the account number.

 

get them blanked out.

 

you have also been charged intererest as listed claim that back

you've been charged ad-hoc fees and other 'fees' claim those back.

 

pers if it were me

i'd do those on a spreadsheet

and the ppi again on a spread sheet.

 

post it off and cancel your DD

stating you have paid more than your initial amount.

 

you really need to get postggj on this.

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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post 53 post!

http://www.consumeractiongroup.co.uk/forum/welcome-finance/250335-cityredgirl-welcome-finance.html

its pants!

 

look at the payment statements too!

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Hiya guys im at work until tomorrow afternoon, i will have to try and get the agreements(Minus my personal details ;/) scanned at weekend at the in laws. Im so grateful for the advice and help and its sounds daft but i have got Dyscalculia(Number dyslexia) and have always struggled with understanding math and figures :( Hence why i keep asking for advice.

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ok then

 

how do you want to play this

 

dx it correct

 

that agreement is total pants and totally unenforceable on all counts

 

So looking at it do you think welcome will see that they have screwed up and thats why its taking so long to reply to my complaint. I knew the numbers didnt add up but i was so bamboozled by it all i just didnt know how to make sense of it.

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ill do a report for you as to why the agreement is total pants over the next few days

 

welcome know these early agreements are crap and playing on your inexperience

 

i can end welcome for you on this

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ill do a report for you as to why the agreement is total pants over the next few days

 

welcome know these early agreements are crap and playing on your inexperience

 

i can end welcome for you on this

 

 

Thank you so much this means a lot to have such great support. x

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sorry had to go out to a shout.

now thats better,

i must admit i should have spotted the pants agreement earlier and called in the troops , you've been on here months i'd never bothered looking.

 

 

you're in good hands now

 

just sit tight and wait a few days, post is alays very busy.

 

i'd cancel the DD and it might be an idea to alert your bank to not pay them if they try and be crafty and draw it direct via your card details if they have then too.

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

sorry had to go out to a shout.

now thats better,

i must admit i should have spotted the pants agreement earlier and called in the troops , you've been on here months i'd never bothered looking.

 

 

you're in good hands now

 

just sit tight and wait a few days, post is alays very busy.

 

i'd cancel the DD and it might be an idea to alert your bank to not pay them if they try and be crafty and draw it direct via your card details if they have then too.

 

dx

 

Hi Dx ,many thanks for the advice, I have cancelled the DD and will inform my bank that they may try and take it from my card, (Can they legally do this?) Also should i inform Welcome in writing that i have cancelled my DD, until they resolve my dispute/complaint many thanks.

CRG

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i'd leave that to GG to decide

i would think the broadside coming their way will explain it to them.

 

the agreement is nothing but a licence to fleece you and always has been.there's nowt they can do to you now

barring you getting everything back i would think.

 

watsh this space

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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HI Dx have you had chance to summarise the agreement? Thank you, I have also sent a letter informing Welcome of my DD Cancellation due to their consistent poor communication and failure to respond to my complaint etc. Whats the chances i will recieve a warning letter on the 16th after my DD bounces back to the smug gits! By cancelling the DD am i getting myself in murky stuff or will welcome just want to get rid of me and pay up what they owe me?.

Also on my agreement copy (Its not the original,) My signature was not witnessed by anybody and in the terms it say's "Customer signature has been witnessed, and signed at welcome offices" etc. Thank you

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ping post ggj

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

ill do a report for you as to why the agreement is total pants over the next few days

 

welcome know these early agreements are crap and playing on your inexperience

 

i can end welcome for you on this

 

;) Thank you x Im looking forward to some interesting reading,

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well, well, well UPDATE!!!

 

Recieved a phone call from the number 08454564877 10:26am

 

I answer "hello is this Miss.... Its Matthew here from Welcome Finance, Why have you not paid your monthly payment?" excuse me Matthew you are not to contact me by phone i request all corospondance in writing".. He continues well you should now that your direct debit has bounced and we have added a charge for this and more charges will be going on your account for as long as you dont make a payment and you will be charged for this phone call, your current balance stands at £1,116. So i hope you have put money aside for this, I said excuse me but i have it in writing that you are not to contact me and i have INFORMED welcome of my cancelled DD and Dispute in writing.He said i should of contacted them by telephone before cancelling He said that my monthly repayment is £146.69 and i have only been paying £50 pmnth, i was getting pretty angry at this point and informed him that this payment has been a longterm agreement. He was getting very sarcastic and told me that i better have a solicitor because once my ppi complaint has been resolved i will be back on the phone in a month crying because i cant pay and that he hope's i havent spent my money already and been putting money aside. He said that my ppi complaint is nothing to do with the payment team . At which point i said send it in writing and slammed the phone down!

 

Where do i go from here? Why after atleast £250 being paid is my balance still higher than when i opened my dispute. What happens now :( Im so annoyed, no actually im livid :/

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no you stayed on the phone and listened to the drivel

 

ignore them

 

all those 'charges' can be reclaimed too

so no sweat.

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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no you stayed on the phone and listened to the drivel

 

ignore them

 

all those 'charges' can be reclaimed too

so no sweat.

 

dx

 

Dx, I know what you mean,(And i was woken up by the phone call!) The bleeding cheek though but oubviously i cant help having a wobble about it, i Just dont want to be in a worse position than i was, but as always im grateful for your assistance. I cant believe how long this has been dragged out and they continue to fail to respond to my complaint. Thank you shall i pop off another complaint at the weekend? x

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They should no longer be charging for phone calls any more this was confirmed by compliance on friday. Not one person in welcome seems to know what they are actually doing they can not anwser any question i seem to be asking and every different department u seem to get past to have a different figure for what i owe them.

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ignore them!

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

I was discussing this with my fiance this morning and they have a real issue or should i say worry that im punching into thin air and that i could be in a worse position financially, if i don't have a strong enough case,to win my complaint i have assured her that im in good trusting company on here.I know that they have robbed me blind for the last 5 years and any decent judge will tell welcome they have had enough from me and more. On the other hand Can somebody please help me look at my agreement and summarise the why's and errors on my account so i can strenghthen my case or at least give myself some cold hard comfort. ;) Thank you x

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post will be around over this w/end

 

or ping him.

 

you've nowt to worry about, the agreement is pants

so are the charges.

sit tight

 

dx

  • Haha 1

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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