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    • Hi, we are looking to get some opinions on weather or not to bother fighting this PCN. This comes from a very big retail park parking where there are restaurants, hotel, amongst other businesses. The parking is free but I suppose there must be a time limit on it that I am not aware of. We were in the area for around 4 hours. Makes us wonder how they deal with people staying in the hotel as the ANPR is on what appears to be a publicly maintained street (where london buses run) which leads to the different parking areas including the hotel.  1 Date of the infringement 26/05/2024 2 Date on the NTK  31/05/2024 3 Date received 07/06/2024 4 Does the NTK mention schedule 4 of The Protections of Freedoms Act 2012? [Y/N?]  YES 5 Is there any photographic evidence of the event? Entry and exit photos however, based on the photographs we are almost sure the photos are taken on public street. This is the location I believe photos are taken from.  https://maps.app.goo.gl/eii8zSmFFhVZDRpbA 6 Have you appealed? [Y/N?] post up your appeal] No Have you had a response? [Y/N?] post it up N/A 7 Who is the parking company? UKPA. UK Parking Administration LTD 8. Where exactly [carpark name and town] The Colonnades, Croydon, CR0 4RQ For either option, does it say which appeals body they operate under. British Parking Association (BPA) Thanks in advance for any assistance.  UKPA PCN The Collonades-redacted.pdf
    • Thank you for posting their WS. If we start with the actual WS made by the director one would have doubts that they had even read PoFA let alone understood it. Point 10  we only have the word of the director that the contract has been extended. I should have had the corroboration of the Client. Point 12 The Judge HHJ Simkiss was not the usual Judge on motoring cases and his decisions on the necessity of contracts did not align with PoFA. In Schedule 4 [1[ it is quite clearly spelt out- “relevant contract” means a contract (including a contract arising only when the vehicle was parked on the relevant land) between the driver and a person who is—(a)the owner or occupier of the land; or (b authorised, under or  by virtue of arrangements made by the owner or occupier of the land, to enter into a contract with the driver requiring the payment of parking charges in respect of the parking of the vehicle on the land; And the laughable piece of paper from the land owners cannot be described as a contract. I respectfully ask that the case be dismissed as there is no contract. WE do not even know what the parking regulations are which is really basic. It is respectfully asked that without a valid contract the case cannot continue. One would imagine that were there a valid contract it would have been produced.  So the contract that Bank has with the motorist must come from the landowner. Bank on their own cannot impose their own contract. How could a director of a parking company sign a Statement of Truth which included Point 11. Point 14. There is no offer of a contract at the entrance to the car park. Doubtful if it is even an offer to treat. The entrance sign sign does not comply with the IPC Code of Conduct nor is there any indication that ANPR cameras are in force. A major fault and breach of GDPR. Despite the lack of being offered a contract at the entrance [and how anyone could see what was offered by way of a contract in the car park is impossible owing to none of the signs in the WS being at all legible] payment was made for the car to park. A young person in the car made the payment. But before they did that, they helped an elderly lady to make her payment as she was having difficulty. After arranging payment for the lady the young lad made his payment right behind. Unfortunately he entered the old lady's number again rather than paying .for the car he was in. This can be confirmed by looking at the Allow List print out on page 25. The defendant's car arrived at 12.49 and at 12.51 and 12.52  there are two payments for the same vrm. This was also remarked on by the IPC adjudicator when the PCN was appealed.  So it is quite disgraceful that Bank have continued to pursue the Defendant knowing that it was a question of  entering the wrong vrm.  Point 21 The Defendant is not obliged to name the driver, they are only invited to do so under S9[2][e]. Also it is unreasonable to assume that the keeper is the driver. The Courts do not do that for good reason. The keeper in this case does not have a driving licence. Point 22. The Defendant DID make a further appeal which though it was also turned down their reply was very telling and should have led to the charge being dropped were the company not greedy and willing to pursue the Defendant regardless of the evidence they had in their own hands. Point 23 [111] it's a bit rich asking the Defendant to act justly and at proportionate cost while acting completely unjustly themselves and then adding an unlawful 70% on to the invoice. This  is despite PoFA S4[5] (5)The maximum sum which may be recovered from the keeper by virtue of the right conferred by this paragraph is the amount specified in the notice to keeper under paragraph 9[2][d].  Point 23 [1v] the Director can deny all he wants but the PCN does not comply with PoFA. S9 [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 only quotes the ANPR arrival and departure times which obviously includes a fair amount of driving between the two cameras. Plus the driver and passengers are a mixture of disabled and aged persons who require more time than just a young fit single driver to exit the car and later re enter. So the ANPR times cannot be the same as the required parking period as stipulated in the ACT. Moreover in S9[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; You will note that in the PCN the words in parentheses are not included but at the start of Section 9 the word "must" is included. As there are two faults in the PCN it follows that Bank cannot pursue the keeper . And as the driver does not have a driving licence their case must fail on that alone. And that is not even taking into consideration that the payment was made. Point 23 [v] your company is wrong a payment was made. very difficult to prove a cash payment two weeks later when the PCN arrives. However the evidence was in your print out for anyone to see had they actually done due diligence prior to writing to the DVLA. Indeed as the Defendant had paid there was no reasonable cause to have applied for the keeper details. Point 24 the Defendant did not breach the contract. The PCN claimed the Defendant failed to make a payment when they had made a payment.   I haven't finished yet but that is something to start with
    • You don't appeal to anyone. You haven't' received a demand from a statutory body like the council, the police or the courts. It's just a dodgy cowboy company trying it on. You simply don't pay.  In the vast majority of these cases the company deforest the Amazon with threats about how they are going to divert a drone from Ukraine and make it land on your home - but in the end they do nothing.
    • honestly you sound like you work the claimant yes affixed dont appeal to anyone no cant be “argued either way”  
    • Because of the tsunami of cases we are having for this scam site, over the weekend I had a look at MET cases we have here stretching back to June 2014.  Yes, ten years. MET have not once had the guts to put a case in front of a judge. In about 5% of cases they have issued court papers in the hope that the motorist will be terrified of going to court and will give in.  However, when the motorist defended, it was MET who bottled it.  Every time.
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      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Welcome Finance - Hp - Ucan car ***WON***


Tedstyler
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post it as a pdf

 

convert them to a PDF [many website that will do that for you}

then at the bottom of our msg box

hit advanced

go down

manage attachments

 

upload them

 

then it will appear as an att in your msg

 

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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you have left pers data on atleast the first two pages

 

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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All personal data removed.

 

https://acrobat.com/#d=97At0HI0BPlKqb5vBlIEqg

https://acrobat.com/#d=ctuYDn9Fgjs3nVYFB3HZBw

https://acrobat.com/#d=hocL*esHzx0xED94svRlyA

https://acrobat.com/#d=rk9CJQzfngeEJZGDbPFSxw

 

Any advice anyone can offer would be much appreciated as I dont want to spending the rest of my life paying this off.

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here its easier to read in one pdf!!

 

 

 

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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Hello, originally I read your thread and I was appalled at what Welcome have done to you and your family and your situation had remained in my thoughts. I think I have stumbled across something that may well help you out but I really need to know some more details.

 

When did you take out the modified agreement?

How much had you paid off your first agreement before the rewrite?

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Sorry, just re-read your thread and answered my own questions!!

From what I have just read I have extremely good reason to believe that what Welcome have done here is illegal repossession under section 90 of the Consumer Credit Act 1974.

Unless I'm grossly mistaken here, you are entitled to all your payments back, the car, release from liability and interest.

 

Please, please come back to your thread soon!! All is not lost!!

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I've got a lot on with my own court battle with Welcome at the mo but I'm so troubled by this thread. Please Ted come back!! Is there any way somebody could get Ted to come back?????!

 

The facts are, (and I've had it confirmed, out of the mouths of the **** themselves), YOU HAVE PAID YOUR THIRD, THE GOODS WERE PROTECTED, THIS WAS AN ILLEGAL REPO OF PROTECTED GOODS!!!!!!!

 

In the event that Ted never comes back :( but somebody else reads this that is in a similar position I'd like to just show what the situation is.

 

90 Retaking of protected hire-purchase etc goods

 

(1) At any time when—

 

(a) the debtor is in breach of a regulated hire-purchase or a regulated conditional sale agreement relating to goods, and

 

(b) the debtor has paid to the creditor one-third or more of the total price of the goods, and

 

© the property in the goods remains in the creditor,

 

 

the creditor is not entitled to recover possession of the goods from the debtor except on an order of the court.

 

(2) Where under a hire-purchase or conditional sale agreement the creditor is required to carry out any installation and the agreement specifies, as part of the total price, the amount to be paid in respect of the installation (the “installation charge”) the reference in subsection (1)(b) to one third of the total price shall be construed as a reference to the aggregate of the installation charge and one third of the remainder of the total price.

 

(3) In a case where—

 

(a) subsection (1)(a) is satisfied, but not subsection (1)(b), and

 

(b) subsection (1)(b) was satisfied on a previous occasion in relation to an earlier agreement, being a regulated hire-purchase or regulated conditional sale agreement, between the same parties, and relating to any of the goods comprised in the later agreement (whether or not other goods were also included),

 

 

subsection (1) shall apply to the later agreement with the omission of paragraph (b).

 

(4) If the later agreement is a modifying agreement, subsection (3) shall apply with the substitution, for the second reference to the later agreement, of a reference to the modifying agreement.

 

(5) Subsection (1) shall not apply, or shall cease to apply, to an agreement if the debtor has terminated, or terminates, the agreement.

 

The part in red is the part that is very valid here.

 

It is basically saying that if you had paid a third in your first agreement and then the agreement was modified, (a re-write), but you did not change the car, (i.e. both the first agreement and the re-write were for the same car), then the third issue becomes irrelevant in the re-write as long as the agreement was terminated by them and not you. The car is "protected", they cannot take it without a court order and the consequences of them doing this are also clearly outlined.

 

(7) Goods falling within this section are in this Act referred to as “protected goods”.

 

91 Consequences of breach of s 90

 

If goods are recovered by the creditor in contravention of section 90—

 

(a) the regulated agreement, if not previously terminated, shall terminate, and

 

(b) the debtor shall be released from all liability under the agreement, and shall be entitled to recover from the creditor all sums paid by the debtor under the agreement.

 

I read this part of the Act many times in preparation for my own case but didn't quite get that part, so I read it and read it until I did!!!

 

I have received a copy of Welcome's defence in response to my claim and in one of their points they have conveniently verified this for us :)

 

"The defendant, (Welcome), will further say that the claimant has not paid more than one third of the total amount payable under either the first or second agreement. Consequently the vehicle was not protected"

 

Pay special attention to the highlighted word above ;)

 

Come back Ted, you've won!!!!!

 

Wannabe x

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I've got a lot on with my own court battle with Welcome at the mo but I'm so troubled by this thread. Please Ted come back!! Is there any way somebody could get Ted to come back?????!

 

The facts are, (and I've had it confirmed, out of the mouths of the **** themselves), YOU HAVE PAID YOUR THIRD, THE GOODS WERE PROTECTED, THIS WAS AN ILLEGAL REPO OF PROTECTED GOODS!!!!!!!

 

In the event that Ted never comes back :( but somebody else reads this that is in a similar position I'd like to just show what the situation is.

 

90 Retaking of protected hire-purchase etc goods

 

(1) At any time when—

 

(a) the debtor is in breach of a regulated hire-purchase or a regulated conditional sale agreement relating to goods, and

 

(b) the debtor has paid to the creditor one-third or more of the total price of the goods, and

 

© the property in the goods remains in the creditor,

 

 

the creditor is not entitled to recover possession of the goods from the debtor except on an order of the court.

 

(2) Where under a hire-purchase or conditional sale agreement the creditor is required to carry out any installation and the agreement specifies, as part of the total price, the amount to be paid in respect of the installation (the “installation charge”) the reference in subsection (1)(b) to one third of the total price shall be construed as a reference to the aggregate of the installation charge and one third of the remainder of the total price.

 

(3) In a case where—

 

(a) subsection (1)(a) is satisfied, but not subsection (1)(b), and

 

(b) subsection (1)(b) was satisfied on a previous occasion in relation to an earlier agreement, being a regulated hire-purchase or regulated conditional sale agreement, between the same parties, and relating to any of the goods comprised in the later agreement (whether or not other goods were also included),

 

 

subsection (1) shall apply to the later agreement with the omission of paragraph (b).

 

(4) If the later agreement is a modifying agreement, subsection (3) shall apply with the substitution, for the second reference to the later agreement, of a reference to the modifying agreement.

 

(5) Subsection (1) shall not apply, or shall cease to apply, to an agreement if the debtor has terminated, or terminates, the agreement.

 

The part in red is the part that is very valid here.

 

It is basically saying that if you had paid a third in your first agreement and then the agreement was modified, (a re-write), but you did not change the car, (i.e. both the first agreement and the re-write were for the same car), then the third issue becomes irrelevant in the re-write as long as the agreement was terminated by them and not you. The car is "protected", they cannot take it without a court order and the consequences of them doing this are also clearly outlined.

 

(7) Goods falling within this section are in this Act referred to as “protected goods”.

 

91 Consequences of breach of s 90

 

If goods are recovered by the creditor in contravention of section 90—

 

(a) the regulated agreement, if not previously terminated, shall terminate, and

 

(b) the debtor shall be released from all liability under the agreement, and shall be entitled to recover from the creditor all sums paid by the debtor under the agreement.

 

I read this part of the Act many times in preparation for my own case but didn't quite get that part, so I read it and read it until I did!!!

 

I have received a copy of Welcome's defence in response to my claim and in one of their points they have conveniently verified this for us :)

 

"The defendant, (Welcome), will further say that the claimant has not paid more than one third of the total amount payable under either the first or second agreement. Consequently the vehicle was not protected"

 

Pay special attention to the highlighted word above ;)

 

Come back Ted, you've won!!!!!

 

Wannabe x

 

 

Wholeheartedly agree!!

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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Thankyou once again. I guess the battle starts here. Just need to get together a very well worded together, which any help would be much appreiciated. I can post any progress i get.

Could really do with some good news now

It's all good mate!

I'm always around, if you need help with anything I'd be more than happy to oblige :)

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I agree with all wannabe has said and im also around alot so if i can help just shout :) Good luck :) not that you need it as wannabe says pretty one sided arguement here :)

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 all,

 

I've been reading the CAG forums for a while now and one thing that has always got me thinking is the following.

 

I have noticed quite a few instances with people having difficulty regarding welcome finance that a member on this site called "postggj" offers very good sound and initial advice whilst also taking an active interest in helping the OP's out. I must mention the fact that yes I do recognise other posters on here who then try and help out in any way they can.

 

However I have noticed on many occasions that postggj rarely see's this through to the end and goes missing after helping the OP's out, they are then left high and dry trying to resolve their problems with welcome.

 

I was just wondering if anyone can shed any light on this, I don't mean this to be a dig at postggj in any way, but I have been curious for months as to why he dissapears, after initially agreeing to help the OP's out.

 

If postggj reads this then please understand that I'm not dissing you in any way, just curious as to what the reasons are?

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if you use the search in our blue bar above for the users msgs.

you will see sadly that post has suffer re-occuring knee trouble which has meant many operations recently

 

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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Postggi has been quite active lately on the CAG, just doesn't seem to come on the welcome board anymore :(

As always please check and double check what myself and other Caggers inform.

 

If you like my Post please dont be shy give my Scales a little tickle :-)

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ok, so where to start?

Do i just write to them making demands?

if so whats are my entitlements?

should I quote the legal outlines posted?

 

I'm sorry for all the questions but i will pick it up as we go along.

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ok, so where to start?

Do i just write to them making demands?

if so whats are my entitlements?

should I quote the legal outlines posted?

 

I'm sorry for all the questions but i will pick it up as we go along.

Hello!

Firstly I'd just like to forewarn you that it is likely you will have to enter a court claim in the end to get Welcome to pay you what they owe you. There will be the court fees to pay unless you qualify for fee remission, for the amount you will be claiming it will be either £225 or £360 depending on the amount. If you are on certain benefits or a low income you may qualify for having all or part of them paid for you. If you don't, you will be able to claim them back from Welcome when you win ;)

 

If you would still like to go ahead the procedure will be as follows:

Write a letter to Welcome stating that you believe they have repossessed protected goods and you want them to rectify it. This will be a letter before action and you give them a specific time limit in which to reply, if they don't reply or try to fob you off you file a claim.

 

Your letter should say that they have breached section 90, you want the car back, (or value of), all payments made to them returned, release from any further liability and interest at 8%.

 

If they don't give you this within 14 days you will file a claim.

 

By law your are entitled to all the payments you ever made to them back, your car back, (or value of), release from all further liability

and interest.

 

Welcome will try to bluff and bully you all the way but the law is on your side, it's just a case of how far you will need to push them before they eventually give in.

 

It's your call, if you think you're up to the fight I'm with you all the way and I'm sure many other caggers will be too. Just say the word :)

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You should also have received a copy of your first agreement in your subject access request. Please look at it and check that the figure stated in the "repossession your rights" section as being a third, is less than the total amount you paid on this agreement before the rewrite.

I know you said you'd paid over half but I'd still like you to double check just to be sure. Scan and post it up if poss. This is the agreement you will be relying on in court.

 

Wannabe x

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