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    • Yep, I read that and thought about trying to find out what the consideration and grace period is at Riverside but not sure I can. I know they say "You must tell us the specific consideration/grace period at a site if our compliance team or our agents ask what it is"  but I doubt they would disclose it to the public, maybe I should have asked in my CPR 31.14 letter? Yes, I think I can get rid of 5 minutes. I am also going to include a point about BPA CoP: 13.2 The reference to a consideration period in 13.1 shall not apply where a parking event takes place. I think that is Deception .... They giveth with one hand and taketh away with the other!
    • the Town and Country [advertisments ] Regulations 2007 are not easy to understand. Most Council planing officials don't so it's good that you found one who knows. Although he may not have been right if the rogues have not been "controlling" in the car park for that long. The time only starts when the ANPR signs go up, not how long the area has been used as a car park.   Sadly I have checked Highview out and they have been there since at least 2014 . I have looked at the BPA Code of Practice version 8 which covers 2023 and that states Re Consideration and Grace Periods 13.3 Where a parking location is one where a limited period of parking is permitted, or where drivers contract to park for a defined period and pay for that service in advance (Pay & Display), this would be considered as a parking event and a Grace Period of at least 10 minutes must be added to the end of a parking event before you issue a PCN. It then goes on to explain a bit more further down 13.5 You must tell us the specific consideration/grace period at a site if our compliance team or our agents ask what it is. 13.6 Neither a consideration period or a grace period are periods of free parking and there is no requirement for you to offer an additional allowance on top of a consideration or grace period. _________________________________________________________________________________________________________________So you have  now only overstayed 5 minutes maximum since BPA quote a minimum of 10 minutes. And it may be that the Riverside does have a longer period perhaps because of the size of the car park? So it becomes even more incumbent on you to remember where the extra 5 minutes could be.  Were you travelling as a family with children or a disabled person where getting them in and out of the car would take longer. Was there difficulty finding a space, or having to queue to get out of the car park . Or anything else that could account for another 5 minutes  without having to claim the difference between the ANPR times and the actual times.
    • Regarding a driver, that HAS paid for parking but input an incorrect Vehicle Registration Number.   This is an easy mistake to make, especially if a driver has access to more than one vehicle. First of all, upon receiving an NTK/PCN it is important to check that the Notice fully complies with PoFA 2012 Schedule 4 before deciding how to respond of course. The general advice is NOT to appeal to the Private Parking Company as, for example, you may identify yourself as driver and in certain circumstances that could harm your defence at a later stage. However, after following a recent thread on this subject, I have come to the conclusion that, in the case of inputting an incorrect Vehicle Registration Number, which is covered by “de minimis” it may actually HARM your defence at a later stage if you have not appealed to the PPC at the first appeal stage and explained that you DID pay for parking and CAN provide proof of parking, it was just that an incorrect VRN was input in error. Now, we all know that the BPA Code of Practice are guidelines from one bunch of charlatans for another bunch of charlatans to follow, but my thoughts are that there could be problems in court if a judge decides that a motorist has not followed these guidelines and has not made an appeal at the first appeal stage, therefore attempting to resolve the situation before it reaches court. From BPA Code of Practice: Section 17:  Keying Errors B) Major Keying Errors Examples of a major keying error could include: • Motorist entered their spouse’s car registration • Motorist entered something completely unrelated to their registration • Motorist made multiple keying errors (beyond one character being entered incorrectly) • Motorist has only entered a small part of their VRM, for example the first three digits In these instances we would expect that such errors are dealt with appropriately at the first appeal stage, especially if it can be proven that the motorist has paid for the parking event or that the motorist attempted to enter their VRM or were a legitimate user of the car park (eg a hospital patient or a patron of a restaurant). It is appreciated that in issuing a PCN in these instances, the operator will have incurred charges including but not limited to the DVLA fee and other processing costs therefore we believe that it is reasonable to seek to recover some of these costs by making a modest charge to the motorist of no more than £20 for a 14-day period from when the keying error was identified before reverting to the charge amount at the point of appeal. Now, we know that the "modest charge" is unenforceable in law, however, it would be up to the individual if they wanted to pay and make the problem go away or in fact if they wanted to contest the issue in court. If the motorist DOES appeal to the PPC explaining the error and the PPC rejects the appeal and the appeal fails, the motorist can use that in his favour at court.   Defence: "I entered the wrong VRN by mistake Judge, I explained this and I also submitted proof of payment for the relevant parking period in my appeal but the PPC wouldn't accept that"   If the motorist DOES NOT appeal to the PPC in the first instance the judge may well use that as a reason to dismiss the case in the claimant's favour because they may decide that they had the opportunity to resolve the matter at a much earlier stage in the proceedings. It is my humble opinion that a motorist, having paid and having proof of payment but entering the wrong VRN, should make an appeal at the first appeal stage in order to prevent problems at a later stage. In this instance, I think there is nothing to be gained by concealing the identity of the driver, especially if at a later stage, perhaps in court, it is said: “I (the driver) entered the wrong VRN.” Whether you agree or not, it is up to the individual to decide …. but worth thinking about. Any feedback, especially if you can prove to the contrary, gratefully received.
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welcome finance issues - now MKDP


Angel104
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The number was withheld. And I think it might be welcome finance because they have telephoned here in the past and witheld their number and we do have car on finance with them. The caller did ask for my husband by name and asked if was out at work all day. We are not expecting any parcel deliveries.

 

Hi Angel

 

Looks like you could be right

 

The regular DPD courier just came to deliver and before he left I asked about them calling prior to delivering

 

He told me they follow the normal process for private address'. . attempt to deliver, maybe call if there's a number given but generally leave a calling card

 

He doesn't know of any time that his office has tried to make contact before the package goes out

 

R

[sIGPIC][/sIGPIC] I asked them to wait whilst I got my Bank card :violin:

------------------------------------------------------------------------------------------

 

Information that may help if a CCA request is refused due to the lack of a signature . . http://www.consumeractiongroup.co.uk/forum/showthread.php?248863-Signature-demands-fight-back-possible-!&highlight=

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  • 3 months later...

I will try and make this short.

 

 

In 2007 we took out a car loan with welcome finance then

 

 

my husband lost his job and

 

 

we hit money troubles so

 

 

welcome got us to sign a loan agreement for a longer period

 

 

we dont have the agreement because

 

 

last year a man from welcome tried to take the car when

 

 

I told him to get a court order he asked to see the agreement and ran off with it.

 

The loan for the car was £10,000.

 

 

We have paid welcome the sum of £8000 so

 

 

a couple of weeks ago Lewis wrote demanding the £10,000 so

 

 

I wrote back and said that we have paid £8,000.

 

 

Lewis now say that when we took out the new agreement it cancelled

 

 

the old one and as far as welcome are concerned we still owe the full amount.

 

 

Now we are bit concerned because they have not taken the £8,000 off that we have paid so

 

 

where has our money gone.

 

 

Should I write to welcome finance.

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Angel Hi send a SAR to Welcome and ask for all statements to date and copies of the original agreement and the subsequent agreement.

 

You need the full history for the account to enable you to see how your payments have been applied

 

regards FS

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moved to the welcome forum

 

and get reclaiming!!!

 

they owe you more than you owe them i bet!

 

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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  • 3 weeks later...

Can someone please advise me what I should do.

 

 

Last week I received a letter from Howard Cohen demanding payment

 

 

I wrote back and said the account in in dispute because I don't owe welcome what they say I owe.

 

 

The letter was sent recorded delivery and I have been to the royal mail website and they did get it.

 

Today I received another letter from Howard cohen saying that as

 

 

they have had no response from me

 

 

they are now preparing legal action.

 

 

On top of that welcome have not yet repled to my S.A.R.

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ignore and stop writing to these muppets await the sar return

 

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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Angel Hi dx100k follow this advice,

 

When you sent your SAR and £10 fee did you send it recorded? if so you are aware of how to check that the SAR was delivered to Welcome and who signed for it,they have 40 days to respond

 

Regards FS

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Hi Angel

 

You've told Cohen that the account is in dispute. They have received that letter and if they choose to ignore it then that is up to them. You have created the paper trail.

 

As the guys said above, ignore Cohens and wait for your sar documentation.

 

Certainly do not talk to Cohens on the phone at all.

 

ims

 

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Angel104 - I'm pretty sure Cohens are Welscums 'in house' legal team so just ignore them they have little power's over you you have informed that the account is in dispute, you have a paper trail to prove this so don't worry about it.

 

It's a tactic that Welcome use to bully and harass you into paying, if you look on the threads in the welcome forum you will see the tactics they use

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  • 4 months later...

where are we on this PPI claim?

 

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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  • 2 years later...

We are being chased by MKDP for a welcome finance debt which is statue barred.

 

 

Back in 2010 we queried the figures on the default notice that had been sent.

 

 

This morning we had a letter from MKDP saying:

 

Following a further review of the account I can verify that you have acknowledged the account in you correspondence to Welcome finance in January 2010.

 

Also back in MKDP claimed we had paid welcome the sum of £3000. And we replied saying that welcome paid that as a PPI refund and MKDP are also saying that this is further acknowledgement of the account We did say in the letter that we did not acknowledge the debit.

 

My question is this: Where do we stand because this is well over statue barred.

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thread merged yet again with you existing welcome finance thread

 

please keep to one thread per debt.

 

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 originally had a car from welcome

 

you hit hard times

 

your OH phoned to reduce payments

welcome arranged another loan for a reduced payment.

 

your OH never signed this loan paperwork

 

the debt is unenforceable.

 

typical welcome finance scenario.

 

if you wish

 

sent MKDP a CCA request.

 

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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sorry DX I forgot about this thread. Can I just verify that even though we queried the figures on the default notice. It still stands as statue barred

MKDP will have to prove that the letter was "an unequivocal admission of liability". The PPI has no relevance.

 

 

As dx said send them a CCA request.

 

 

I would suggest sending a separate letter to MKDP stating that there claim that you have admitted liability is refuted and it is MKDP that must now provide unequivocal proof that the alleged debt is not statute barred.

 

 

Also state that if such evidence is not provided within 7 working days you will consider the matter closed.

 

 

For information: I am currently dealing with another similar Welcome rewritten agreement that was not signed by the customer a DCA has now claimed that it can "revert" to the original signed agreement, which I believe they cannot do.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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no they cant.

 

they've tried this before.

 

theres another large thread on this issue with welcome staff

creating new agreements, and signing on behalf of the person on the phone.

 

i'm sure the FSA ruled on one too in their day 7 practically deemed it fraud

 

POSTGGJ posts refer somewhere i'm sure

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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This is what MKDP said in a recent letter how should I reply.

 

When you wrote and queried the figures on the default notice

 

we view this as acknowledging the debt.

 

Furthermore when you advised us that a payment made on the account was A PPI refund

 

we view this as further acknowledgment of the debt

 

therefore we do not believe that this debt is statue barred.

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bowlarks.

 

a ppi refund does not ack a debt

 

neither does querying the level of a DN.

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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How was your query worded when asking or the information?

Acknowledgment in writing Must be unequivocal admission of liability.

Was this done after the debt became SB? If so nothing can change the

status of the debt.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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This is what MKDP said in a recent letter how should I reply.

 

When you wrote and queried the figures on the default notice

 

we view this as acknowledging the debt.

 

Furthermore when you advised us that a payment made on the account was A PPI refund

 

we view this as further acknowledgment of the debt

 

therefore we do not believe that this debt is statue barred.

 

Tosh and piffle. Invite them to sue you!

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Ha ha ha ha ha, that gave me a laugh! Send a 'copy' of that very foolish missive to the FCA, let them see just

how desperate the whole financial industry really is.... brilliant...

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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Brigadier

 

 

the debt became statue barred 18 months ago.

 

 

3 months ago MDKP wrote and said that we had paid £3000 to welcome finance last year.

 

 

All I did was write and back and informed them that the amount paid in was a PPI refund paid in by welcome finance

so I do not see how this is admission of the debt.

 

 

But on saturday we received a further letter from MDKP which says:

 

Further to our previous correspondence

will you please telephone our office with your proposal for payment of the debt.

 

Furthermore as we informed you in our previous correspondence we do not view the debt as statue barred because;

 

1) You queried the amount on the default notice.

 

2) You informed us that the amount paid in was a PPI refund.

 

So therefore you are liable to pay this debt.

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