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    • I have also found this:  D.2 Service of a PCN by post: 54) There are some circumstances in which a PCN (under Regulation 10) may be served by post: 1) where the contravention has been detected on the basis of evidence from an approved device (approved devices may only be used in limited circumstances) 2) if the CEO has been prevented, for example by force, threats of force, obstruction or violence, from serving the PCN either by affixing it to the vehicle or by giving it to the person who appears to be in charge of that vehicle 3) if the CEO had started to issue the PCN but did not have enough time to finish or serve it before the vehicle was driven away and would otherwise have to write off or cancel the PCN 55) In any of these circumstances a PCN is served by post to the owner and also acts as the NtO. The Secretary of State recommends that postal PCNs should be sent within 14 days of the contravention. Legislation states that postal PCNs must be sent within 28 days, unless otherwise stated in the Regulations. This from London Councils Code of Practice on Civil Parking Enforcement.  The question is what is an approved device? Certainly, he had the opportunity to place the ticket on my car and I didn't drive away.  I looked further and it seems that an approved device is a CCTV camera - It seems that the photos taken were not actual film but images and it is not clear if they are taken from a video or are stills. I'm guessing if it was moving images then the SAR would have stated this.    From the Borough of Hounslow website: "There are two types of PCN issued under the Traffic Management Act 2004, which governs parking contraventions. The first is served on-street by a Civil Enforcement Officer, who will observe a vehicle and collect evidence before serving the PCN either by placing it in a plastic wallet under the windscreen wiper, or by handing it to the driver. The second is a PCN served by post, based on CCTV footage taken by an approved device, which has been reviewed by a trained CCTV Operator."   From Legislation.gov.uk regarding approved devices: Approved Devices 4.  A device is an approved device for the purposes of these Regulations if it is of a type which has been certified by the Secretary of State as one which meets requirements specified in Schedule 1. SCHEDULE 1Specified requirements for approved devices 1.  The device must include a camera which is— (a)securely mounted on a vehicle, a building, a post or other structure, (b)mounted in such a position that vehicles in relation to which relevant road traffic contraventions are being committed can be surveyed by it, (c)connected by secure data links to a recording system, and (d)capable of producing in one or more pictures, a legible image or images of the vehicle in relation to which a relevant road traffic contravention was committed which show its registration mark and enough of its location to show the circumstances of the contravention. 2.  The device must include a recording system in which— (a)recordings are made automatically of the output from the camera or cameras surveying the vehicle and the place where a contravention is occurring, (b)there is used a secure and reliable recording method that records at a minimum rate of 5 frames per second, (c)each frame of all captured images is timed (in hours, minutes and seconds), dated and sequentially numbered automatically by means of a visual counter, and (d)where the device does not occupy a fixed location, it records the location from which it is being operated. 3.  The device and visual counter must— (a)be synchronised with a suitably independent national standard clock; and (b)be accurate within plus or minus 10 seconds over a 14-day period and re-synchronised to the suitably independent national standard clock at least once during that period. 4.  Where the device includes a facility to print a still image, that image when printed must be endorsed with the time and date when the frame was captured and its unique number. 5.  Where the device can record spoken words or other audio data simultaneously with visual images, the device must include a means of verifying that, in any recording produced by it, the sound track is correctly synchronised with the visual image.
    • Hearing took place today.  Case dismissed with costs awarded. Neither UKPC or a representative turned up.  Apparently they messaged the court on 7 May asking for their case to be considered on paper.  Never informed me, which was criticised by the judge as not following procedure.  I was really annoyed as I would have preferred for the case to be thrown out before the hearing, or at least face them in court and see them squeal.   They are just playing a numbers game and hope you blink 1st!   Ended up having to change my flight, but  the costs awarded softens the blow. Was asked to confirm it was my signature on both the witness statement and supplementary statement.  Wasn't asked to read them, said she could see my arguments made and the signs were insufficient and no contract formed. Took maybe 10 mins in total.  Judge did most of the talking and was best for me just to keep quiet or confirm any statements made. Happy to have won as a matter of principle and have costs awarded. Maybe not worth all the time and hassle for any newbies or the technologically challenged.  But if you are stubborn like me and willing to put in the time and effort, you can beat these vultures! I big shout out to everyone who helped on the thread with their advice and guidance, special mention to FTMDave, thank you sir!  Really appreciate everyone's efforts. All the best!
    • I plan to be honest to avoid any further trouble, tell them that the name should be changed to my official name
    • There is no evidence that I was issued a PCN that was placed on the car and removed. It seems that I was issued a £60 PCN on the 8th of March (the parking date) but it was never placed on my car, instead,  they allege that they posted the PCN on the 13th of March and deemed delivered on the 15th. I never got this 1st £60 PCN demand. I only know about all of this through the SAR. I only received the second PCN demanding £100, which was deemed delivered on 16/04/2024 - that is 39 days after the parking incident.  I did a little research and "Legislation states that postal PCNs must be sent within 28 days, unless otherwise stated in the Regulations." as per London Councils Code of Practice on Civil Parking Enforcement.  The main issue is that I was not aware of the 1st £60 PCN as I didn't receive it - I'm not sure how this relates to the 28-day rule because that rule applies to the initial £60 PCN. PCM could say that "we sent him the letter by post and it was deemed delivered on the 15th of March" therefore the 28-day rule does not apply.  As regards the safety of the parking attendant, that is clearly something he chose to feel and he made the decision that his safety was threatened - I didn't even see him or had any interaction with him. I'm nearly 50 and I definitely don't look aggressive 😊  
    • okay will do. I'll let you know if anything transpires but once again - many thanks
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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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