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    • If that was the reason then that is good news. The whole reason that being able to charge £100 for breaching private car park rules is because the law Lords decided in a celebrated case that the rogues had a legitimate interest in keeping their car park spaces available for all motorists . {parking Eye v Beavis]. However when the business is closed then there is no legitimate interest in keeping spaces free so to charge £100 is a penalty. As such any Court would automatically throw out the case when the penalty charge is accepted.
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    • new thread created for this claimform please post here now for anything to do with it now . pop up on the bulk court website detailed on the claimform. [if it is not working return after the w/end or the next day if week time] . When you select ‘Register’, you will be taken to a screen titled ‘Sign in using Government Gateway’. Choose ‘Create sign in details’ to register for the first time. You will be asked to provide your name, email address, set a password and a memorable recovery word. You will be emailed your Government Gateway 12-digit User ID. You should make a note of your memorable word, or password as these are not included in the email.  then log in to the bulk court Website .  select respond to a claim and select the start AOS box. .  then using the details required from the claimform . defend all leave jurisdiction unticked  you DO NOT file a defence at this time [BUT you MUST file a defence regardless by day 33 ] click thru to the end confirm and exit the website .. get a CCA Request running to the claimant . https://www.consumeractiongroup.co.uk/topic/332502-cca-request-consumer-credit-act-1974-updated-january-2015/ .. Leave the £1 PO unsigned and uncrossed . get a CPR  31:14  request running to the solicitors [if one is not listed send to the claimant] ... https://www.consumeractiongroup.co.uk/topic/332546-legal-cpr-3114-request-request-for-information-when-a-claim-has-been-issued/ . .use our other CPR letter if the claim is for an OD or Telecom Debt or Util debt]  https://www.consumeractiongroup.co.uk/topic/332546-legal-cpr-3114-request-request-for-information-when-a-claim-has-been-issued/ on BOTH type your name ONLY Do Not sign anything .do not ever use or give an email . you DO NOT await the return of ANY paperwork  you MUST file a defence regardless by day 33 from the date on the claimform [1 in the count] ..............  
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Welcome Finance - 5 year old HP agreement.


nicenurse1
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Hello everyone,

 

New to this site so please bear with me. :p

 

I took out a HP agreemnt in July 2005 with welcome finance. To cut a long story short the car they found for me was rubbish. As a single mum at the time with hardly any money I was desperate for a car and just accepted the first car they bought round to me. When the rep came round to sign all the documents he worked out that I actually didn't earn enough money for the loan as I was only working 17 hours a week but said he would sort it out!!!:eek:

 

The car was rubbish all sorts wrong and a dodgy mileometer. There was a big dispute with WF and I asked them to retrieve the car after approx 4 months, I also told them I was not going to pay them another penny and they could take me to court.:( I had loads of harrassment for them, calling my work all the time, people coming to my house and being agressive to me. In the end I moved away. I havn't heard for WF since then which was probably about April 2006. The other day I checked out my credit rating with Equifax to find me still owing welcome £6500. Now the thing I cannot understand is why my account is still saying my payments are late???? why hasn't this gone to a dispute or a default?? On the equifax site it says red with an 8 which means more than 8 payments late.

 

Now because I need to get my credit sorted out and this is the only bad thing on there i bit the bullet and called WF. They told me this account is with Global Debt Collections. Well i'm on the electoral role which i have been for the last 4 years and i have never been contacted by these or WF.

 

Will this drop off my report after 6 years or because the payments are showing up as late will it just run and run.

 

I have sent a CCA request which was 12 days ago now. Nothing from WF so far.

 

Please help i'm really confused over this.

 

Many Thanks:)nicenurse

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Hello and welcome, yes it should become statute barred and drop off your credit file 6 years after you last acknowledged the debt ie. by making a payment or trying to arrange a payment plan etc.

 

In theory you would expect a Default to show up on your credit file as you are 'allegedly' so many months in arrears but for some unknown reason Welcome sometimes don't register a default on your file.

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