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    • a) Debit transfer into his personal account  b) i - yes     ii - yes   iii - initially quoted £25,000 - £30,000 for the whole job.  This escalated to nearly £44,000.  Would ask for money in stages for materials and labour. c) Runs a Ltd company with his wife d) Assets include van, own digger, dumper and cement mixer but kept in unknown location    Solicitor advised not to throw good money after bad as he could just shut down company.  
    • I've had another look at their WS and as it definitely states that they are pursuing you as the keeper in point 19 they must lose their case because their PCN is not compliant with PoFA on two counts.  First is the fact that they must have a parking period and it is quite clear that entering and leaving the car park does not constitute a parking period since some of the time the motorist is either driving around looking for a parking spot then leaving the spot and driving to the exit. All that takes time so that is one fail. The other fail is in their wording when they are trying to transfer the liability of the alleged debt from the driver to the keeper. They are supposed to include at Schedule 4 s9 [2][f] this "(if all the applicable conditions under this Schedule are met)". That in itself makes it non compliant but the fact that they haven't got a parking period means they haven't met the applicable conditions.   Looking at their contract, the names of the signatories and their positions in their respective  companys have been redacted. You do need strict proof of who actually signed. There is no specific authorisation from the Client to allow Court action in pursuit of non payers. In section 11 which is like an addendum it states" the Company shall provide parking control" but doesn't state if that includes legal pursuit as well and it does not appear to be signed.   The entrance sign does not include the T&Cs so it is only an offer to treat  not  an offer of a contract. Their only appears to be one type of sign inside the car park which is unusual and a lot of the signage is in too small a print to be acceptable in Law as capable of forming a contract. The signage also includes unlawful demands for extra charges which makes the whole contract invalid.  PoFA 2012 made it quite clear that the maximum  amount claimed was the amount on the sign. This has been reinforced by the Private Parking Code of Practice which states that no extra charges can be made over the signage figure. Indeed a Government Minister is quoted as saying that the extra charges demanded by parking companies are "a rip off" yet they still include them. They are an abuse of process and should be subject to adding exemplary costs payable to the motorist to act as a deterrent to rogue car parking companies.   They have no planning permission for their signs and ANPR cameras which means that in addition to them being unlawful because of the extra charges they are also illegal because they have not been given permission to be there under  the Town and Country [Advertisements} Regulations  1969. They are supposed to comply with the Law and the IPC code of Conduct and they have done neither. The new Private Parking Code of Practice  draws attention to it as well  s14.1 [g]  "g) responsibility for obtaining relevant consents e.g. planning or advertising consents relating to signs."   So it is not as if this is a secret-since it has been out since February 7th 2022 . You would have thought that as this Code was designed to root out the rogues in the industry that the parking industry would already have made adjustments to their activities in order to align themselves with the will of Parliament as proposed by Minister Neil O'Brien  who said   "The publication of this Code therefore marks the start of an adjustment period in which parking companies will be expected to follow as many of these new rules as possible."   Ignorance of the Law is no excuse but even Gladstones are surely aware that the extra charges are unlawful  it beggars belief that they can aver that they have told the truth on their WS.
    • Evening all,   I am looking for a little bit of advice, any would be appreciated. I am a bit hesitant in giving all the in's and out's as I am not sure of the forums procedures and I do not want to compromise my situation.   Basically as a result of a few issues in my life inflicted/self inflicted I ended up in a bad situation financially. A company brought a debt off a lender I had used and took me to court, I really mis-managed this and although I attended court with a case the verdict went against me. I accepted this but never heard anything back from them and admittedly as I was struggling didn't pro actively seek them out to make payment. So, on my Credit report I had a CCJ due to expire Sept. 2022, which I associated to that particular incident. Anyhow, I have recently received a Notice of Application for Attachment of earnings order, however, this is regarding a completely different debt/Court procedure to the one I participated in. The creditor, to my knowledge has never contacted me and until this week I have never received any correspondence to this case from the creditor or county court.    Basically, I was just after a bit of advice, on how to go about this. I am worried that if my employer is advised of the CCJ, it makes my position uncomfortable, maybe untenable which will only be negative to my situation.    So can I still contest this and possibly get it removed via the courts, can I delay it for 3 months to get it statue barred, do I pay the whole amount (to a company whom brought it at a pittance) or do pay it off and if so, can the figure be negotiated and how long would it affect me credit score?   I apologise for the number of questions, and appreciate any advice. My concern is the application ruining a very good job for me.   Thanks in advance
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Welcome Secured Loan PPI and Other Problems!


lotuselite
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OK. Where to start????

Well a quick synopsis of our dealings with Welcome. In 2005 took out a secured loan (I know,I know!) with them via Freedom (I dont think) Finance.

Financial difficulties followed very quickly (Son very ill) and next thing we know in 2006, we have another loan also secured! Or perhaps it would be better to call it a rewrite? Finally got a grip in 2007 having already been defaulted and started a dispute with Welcome, CCA and SAR. Didnt get very far and ill health and other problems have intervened. So three years on, no payments and various mail contact disputing the figures have followed.

We suddenly received a default note, which appeared to be very incorrect and then what appears to be a no notification sale to MKRR. Various letters asking for money all ignored, as far as we are concerned we dont owe.

So have decided time to take this lot on ....

 

Joint 1st Loan is the only that has been secured although it appeared to be secured 8 days after signature??

Loan for 10,000, PPI 1762.30 (No use to use but told we had to have it as we were self employed), 300 Medicare,175 Lifecare,125 Homecare (None of which were asked for even according to WF's own paperwork!). This sum apparently made up the Amount of credit 12362.30. Then they added MIF 1100 and acceptance fee 235 to make total amount of loan - 13697.30. Looking at the statement, interest appeared to have been paid on the full some. Interest 1.7% APR 26%

 

So quickly in problems and are being taken to court for our mortgage. WF say they can make it easier for us, cut the payments. Never explain this is a new loan even when explaining details at our house, worked that afterwards. So we now have loan for 15,000 that we are told we have to have 3395.43 of PPI tacked onto and a cheque for the mortgage company of just over 2000, oh and another acceptance fee. This was all done in our house, with no cooling off period, we signed while they were there they gave us a cheque. Although we explained we wanted to remortgage at the time as they recorded, still charged up front insurance. Charge on house never changed.

As you can imagine, all went tits up pretty quickly.

 

So now apparently the loan has been sold to MKRR but only in one name. The charge is still in Welcomes name on the land registry.

 

What do I want to do? Get my money back and sort out whats happening with the charge, that no longer seems valid.

 

I think starting with the first loan and moving on from there ... what do you experianced people out there think?

 

Apologies for the length of first post!

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blimey

welcome [or not] to the welcome fleecers forum

 

they have ripped you off bigtime there on sev things.

you've been charged PPI {and the rest of the ins crap] twice, one rolled into the other so thats PPI on PPI + int on int.

 

scan up all the agreements you have but remove pers info.

 

postggj is going to love this one...

 

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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Thanks for the "welcome" to the welcome forum!

Just realised that my post is full of spelling mistakes and that it didnt make much sense but glad you have got the gist of things!

 

I have been reading some of the other posts and they have really encouraged me to get going!

 

I have seen postggj several times, I get the impression he might like the Mortgage Indemnity Fee part of the loan :-)

 

I will scan the agreements, what is the best way to upload, I am very new at this!

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use one of the many free websites to convert your files to pdf format. save them to your desktop [or where you know where they are!]

 

then comeback here and hit reply

hit the go advanced button below this [and your] msg box

then hit manage attachments

hit browse and find your files

hit upload

then the close at the bottom of the box

 

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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dont forget to blank ALL pers info inc barcode and page endge numbers

leave the financial figures though!!

 

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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where you HAVE paid the loan installments yes

then they rolled the outstanding PPI from the first loan + intererst into the second loan, so they charged interest again on the PPI & charges Int again on the Int charged for the first loan's PPI.

 

so YES anything to do with the PPI on the first loan you can clawback {+ interest] [unless you got a rebate or discount? - but i doubt it!]

 

you need those agreements up

 

and PM postggj

 

 

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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My first post makes it sound like we didnt pay, we did and rather a lot of money! It is just when we complained and didnt get very far, we stopped paying ... and have been haggling on and off ever since....

 

How do I send a PM??

 

Thanks for all the help :)

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you need to blank out the secured home ad in doc 2

 

i'll alert postggj now

 

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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:D

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 Lotuselite

 

Dx Has Asked Me To Drop In

 

I Wont Tell You What I Think Of Welcome Or Ill Get Cagbooted

But You Now Realise What A Sorry Excuse For A Finance Company This Lot Are

 

Give Me An Hour To Decode The Agreements

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That is correct.

Scan 1 is first loan, that then morphed into the loan covered by Scan 2 although we were not told at the time we were getting a new loan as such. I know we should have been more aware.

Regarding the loan being sold to MKRR, they have told us they now own the debt but we have had no official notification from Welcome.

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agreement Number 1

 

£10,000 Over 132 Months (eleven Years) At 26% Apr

 

That Gives

 

Monthly Repayment £211.07

Interest £17,861.09

Total Payable £27,861.09

 

insurance Crap

 

total Insurance Crap Cost £2362.30

 

They Have Prob Done This Over The Full 11 Years (very Naughty)

 

Monthly Repayment £49.86

Interest £4219.32

Total Payable £6581.62

 

now The Remaning Crap

 

Acceptance Fee £235

Mortage Indemnity Fee £1100

Total Charges £1335

 

So We Add The Loan Interest £17861.09 And £4219.32 Insurance Interst With Total Fees £1335 To Make A Total Charge For Credit Of

£23,415.41

 

To That We Add The £10,000 Loan And Insurance Of £2362.30

Total £12,362.30

 

So £23415.41 Plus 12362.30 Gives A total Payable £35,777.71

 

Devide Over 132 Months Gives A Monthly Repayment £271.04

 

You Are Paying £10 Less Per Month Than Required

Welcome Have It At £261.06

 

 

For The Insurance Crap, Do You Have A Document Called

 

 

Statement Of Price

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Ill Do The Second Agreement Later Tonight

 

Again

 

Any Statement Of Price For The Second Agreement As Well As The First

 

I MAY BE BLIND AS A BAT BUT I CANT SEE ON THE AGREEMENT NUMBER 1

 

TOTAL CHARGE FOR CREDIT

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Sorry away from computer sorting out 7 year olds cut knee!

 

I will trawl thru the paperwork but I dont remember seeing anything like that, in fact other than insurance being on the agreement I dont think we had anything else about it all.

 

And that goes for the 2nd loan as well.

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Checked thru the paperwork I have for loan 1 and definately no statement of price. I couldnt see total charge for credit either and that is definately the only document I have that covers the loan.

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