Jump to content


  • Tweets

  • Posts

    • just to be clear here..... the DVLA do not send letters if a drivers licence address differs from any car's V5C that shows the same driver as it's registered keeper.
    • sorry she is a private individual, the cars are parking on her land. she can clamp the cars. only firms were outlawed from doing it bazza. thats what the victims of people dumping cars on their drives near airports did and they didn't not get prosecuted.    
    • The DVLA keeps two records of you. One as a driver and one for your car. If they differ you might find out in around a month when they will send you a reminder as well as to your other half for their car. If you receive nothing then you can be fairly sure that you were tailgating though wouldn't explain why they didn't pick up your car on one of drive past their cameras. However even if you do get a PCN later then your situation will not change. The current PCN does not comply with the Protection of Freedoms Act 2012 Schedule 4 which is the main law that covers private parking. It doesn't comply for two reasons. 1. Section 9 [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 states 47 minutes which are the arrival and departure times not the time you were actually parked. if you subtract the time you took to drive from the entrance. look for a parking place  park in it perhaps having to manoeuvre a couple of times to fit within the lines and unload the children reloading the children getting seat belts on  driving to the exit stopping for cars pedestrians on the way you may well find that the actual time you were parked was quite likely to be around ten minutes over the required time.  Motorists are allowed a MINIMUM of ten minutes Grace period [something that the rogues in the parking industry conveniently forget-the word minimum] . So it could be that you did not overstay. 2] Sectio9 [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; Your PCN does not include the words in brackets and in 2a the Act included the word "must". Another fail. What those failures mean is that MET cannot transfer the liability to pay the charge from the driver to the keeper. Only the driver is now liable which is why we recommend our members not to appeal. It is so easy to reveal who was driving by saying "when I parked the car" than "when the driver parked the car".  As long as they don't know who was driving they have little chance of winning in court. This is partly because Courts do not accept that the driver and the keeper are the same person. And because anyone with a valid motor insurance policy is able to drive your cars. It is a shame that you are too far away to get photos of the car park signage. It is often poor and quite often the parking rogues lose in Court on their poor signage alone. I hope hat you can now relax and not panic about the PCN. You will receive many letters from Met, their unregulated debt collectors and sixth rate solicitors threatening you with ever higher amounts of money. The poor dears have never read the Act which states quite clearly that the maximum sum that can be charged is the amount on the signs. The Act has only been in force for 12 years so it may take a  few more years for the penny to drop.  You can safely ignore everything they send you unless or until they send you a Letter of Claim. Just come back to us if they do send one of those love letters to you and we will advise on a snotty letter to send them. In the meantime go on and enjoy your life. Continue reading other threads and if you do get any worrying letters let us know. 
    • Hopefully the ANPR cameras didn't pick up the two vehicles, but I don't think you're out of the woods just yet. MET's "work" consists of sending out hundreds of these invoices every week so yours might be a few days behind your partner's. There is also the matter of Royal Mail.  I once sold two second-hand books to someone on eBay.  Weirdly the cost of sending them separately was less than the cost of sending them in one parcel.  So to save a few bob I sent them seperately.  One turned up the next day.  One arrived after four days.  They were  sent from the same post office at the same time! But let's hope I'm being too pessimistic. Please update us of any developments.
  • Recommended Topics

  • Our picks

    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 161 replies
    • We have finally managed to obtain the transcript of this case.

      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.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
        • Like
  • Recommended Topics

welcome finance settlement offers


ninja22
style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 4770 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

Hi, my name is Michael and I was just wondering if anyone could help me. A few weeks ago I came into some money and decided to put in an offer to welcome finance for £3500 (my total I owe them is £6950), so thought this was a good offer. A few days after I had wrote to them They phoned me and said that unfortunately they are no longer able to accept offers other then full payment as of November 2010, although he said that this was a good offer. The thing is I have read a lot of blogs on welcome and have seen that people have been made offers.

Was just wondering if anyone has received offers from welcome or have any advice on what I can do to get them to accept this offer.

Thanks

Link to post
Share on other sites

Hi, my name is Michael and I was just wondering if anyone could help me. A few weeks ago I came into some money and decided to put in an offer to welcome finance for £3500 (my total I owe them is £6950), so thought this was a good offer. A few days after I had wrote to them They phoned me and said that unfortunately they are no longer able to accept offers other then full payment as of November 2010, although he said that this was a good offer. The thing is I have read a lot of blogs on welcome and have seen that people have been made offers.

Was just wondering if anyone has received offers from welcome or have any advice on what I can do to get them to accept this offer.

Thanks

 

Im guessing it depends on the branch , my account is in good order but I am getting offers of discounts on this account from my local branch although it's pretty poor at about 15-20% whereas I would prefer 50-60%.Im in the same boat have the money but am not going to pay them, as Welcome are in default it's likely the accounts may get shipped elsewhere and perhaps get a better discount offer from the new account holder.My advice is dont bother speaking to them on the phone write with an offer to the local branch and head office, go for broke say 60-70% and see what they come back with.I honestly think the longer I hold out the more chance I will get on a better discount.Is this a HP loan or just a personal loan ?

Link to post
Share on other sites

For what its worth, when I got my SAR reply there were two letters for an offer of settlement that were never sent to me. The were both dated the same day and took the exact format etc. One was to settle 35% off the balance and the other for 65% off the balance. I never asked for a settlement amount nor did they ever send the letters. However it appears that they were considering making me an offer. I dont know if they intended to include those letters in the SAR or not, but I found it interesting to say the least.

 

Make an offer of say 10p on the pound and see what they say. You have nothing to lose. Who knows they might just accept it. Start very low though. If they dont accept put the money aside for a rainy day. :)

Please overlook my typos and spelling mistakes, sometimes my fingers arent in sync with my brain :)

I am just a consumer and have no legal training. My posts are opinion only, based on my own limited experience. If in doubt you should seek legal advice from a qualified practitioner.

 

Activ Kapital - Disputed £4,000.00 - 04/04/2011 Settled! WON!

HSBC Current Account - Defaulted for £200.00 Charges. - 19/05/2011 Charges Refunded Default Removed! WON!

HSBC Loan Account - £16,000.00 Unsecured Loan - 05/07/2011 Disputed No Further Contact WON! (for Now)

Barclaycard Account - Disputed account and £1500.00 Charges. - 18/07/2011 Charges Refunded! WON!

London Scottisht - Disputed account and Charges. £25,000.00 - 06/2011 Balance reduced by 95% WON!

Link to post
Share on other sites

Any letters you send to Welcome should be by recorded delivery otherwise they will simply say they never got them. Don't expect a reply from your branch - apparently branch employees are not allowed to write letters (not sure if it's because they're incapable of constructing a letter ).

Help us to keep on helping

Please consider making a donation, however small, if you have benefited from advice on the forums

 

 

This site is run solely on donations

 

My advice is based on my opinion and experience only. It is not to be taken as legal advice - if you are unsure you should seek professional help.

Link to post
Share on other sites

Any letters you send to Welcome should be by recorded delivery otherwise they will simply say they never got them. Don't expect a reply from your branch - apparently branch employees are not allowed to write letters (not sure if it's because they're incapable of constructing a letter ).

 

Lol...they have snapped all their crayons....I agree everything recorded dont trust these guys no matter how nice they are on the phone..play it savvy and I reckon you will get a big chunk off..

Link to post
Share on other sites

Are you still paying your monthly bill.

Mine is a personal loan

 

I am still paying only because it's a HP loan on a car and I am in the process of VT therefore need to avoid a default.I can afford the monthly payment , but my Manager lied to me saying I still owed xx amount and not to VT or VS car which is bull , he wanted me to sell car leaving me with more to pay .Basically what I am saying is Welcome are desperate for cash , also the whole PPI fiasco with FSCS is gonna hit them hard...therfore in my opionion you should be a cheeky bugger and go for broke..offer them something stupid.Thats just my opinion and I would speak to head office first not the branch monkeys..

Link to post
Share on other sites

Hi, sorry for butting in. I spoke to my local branch and the customer complaints manager at Nottingham and they have all told me that they will not be reducing any settlement offers.

 

I also have the money and my account is in superb order, they all told me that because of Welcome's financial situation there is no way they can offer discounts on settlement figures and you basically get exactly what your entitled to. For me, it was a measly £200 on and outstanding amount of £4242. I have already paid thm over £7k on a 12k loan.

 

Yesterday I emailed Margaret Youngs CEO, I spoke to her PA and he forwarded my mail on.

 

I even considering defaulting on the payments just to get them to offer me a better reduction.

Link to post
Share on other sites

Hi, sorry for butting in. I spoke to my local branch and the customer complaints manager at Nottingham and they have all told me that they will not be reducing any settlement offers.

 

I also have the money and my account is in superb order, they all told me that because of Welcome's financial situation there is no way they can offer discounts on settlement figures and you basically get exactly what your entitled to. For me, it was a measly £200 on and outstanding amount of £4242. I have already paid thm over £7k on a 12k loan.

 

Yesterday I emailed Margaret Youngs CEO, I spoke to her PA and he forwarded my mail on.

 

I even considering defaulting on the payments just to get them to offer me a better reduction.

 

I have heard people say about defaulting to try and get a better offer then again thats not an option for me due to my work situation and security clearence.Im not in a position to recommend you do that but if you do be prepared to be harrassed on a daily basis with rude and threating calls.Welcome told you they cannot offer reduced settlements then contradict themselves by offering you £200.My guess Welcome probably could reduce it but those with up to date accounts are worth keeping for the future I suspect depending on Welcome's situation.They will probably sell on these accounts to grab what final money they can get as I am sure Welcome and Shopacheck are to be disbanded with the new restructuring of Cattles..I have lied to my account manager telling him possible job loss or a sudden windfall coming and have been offered about 2-3K off my balance so it does depend on the branch.It all depends if you can hang on a little longer to see where Welcome is going..Im also gunning for charges and PPi on a previous loan so hopefully get some money returned this way.

Link to post
Share on other sites

Hi there were did you find margaret young ceo email or address Ive been looking for the ceo for a while now and have no luck

If you still have her email or address could I have it please

Link to post
Share on other sites

Well I told them I had redundancy (lie) and that I was 6 months pregnant (truth). Still not interested what so ever!!! I don't think it's wise to default either but they are so annoying and very much so taking the p1ss out of us.

 

I sent my email to [email protected] he then passed it onto high level complaints rather than the monkeys in Nottingham.

Link to post
Share on other sites

I had a letter about my complaint this morning, usual BS about looking into it. What made me chuckle is the fact that it was sent on plain paper!! Are things that dire with welcome now that they cannot afford headed paper.

 

Also there was a paragraph at the bottom of the paper telling me that should I have any questions to ring the following number...... What number would that be??? I have no idea as they didnt type it in! Shoddy is what I thought.

Link to post
Share on other sites

I had a letter about my complaint this morning, usual BS about looking into it. What made me chuckle is the fact that it was sent on plain paper!! Are things that dire with welcome now that they cannot afford headed paper.

 

Also there was a paragraph at the bottom of the paper telling me that should I have any questions to ring the following number...... What number would that be??? I have no idea as they didnt type it in! Shoddy is what I thought.

 

I've had the same. But mine was on recycled paper! :)

 

I imagine with all the complaints, they've used up there stock of headed paper and can afford to order more...and why would they when they will soon be no more anyway? My lettters often are missing dates, numbers and enclosures. Its a circus!

Please overlook my typos and spelling mistakes, sometimes my fingers arent in sync with my brain :)

I am just a consumer and have no legal training. My posts are opinion only, based on my own limited experience. If in doubt you should seek legal advice from a qualified practitioner.

 

Activ Kapital - Disputed £4,000.00 - 04/04/2011 Settled! WON!

HSBC Current Account - Defaulted for £200.00 Charges. - 19/05/2011 Charges Refunded Default Removed! WON!

HSBC Loan Account - £16,000.00 Unsecured Loan - 05/07/2011 Disputed No Further Contact WON! (for Now)

Barclaycard Account - Disputed account and £1500.00 Charges. - 18/07/2011 Charges Refunded! WON!

London Scottisht - Disputed account and Charges. £25,000.00 - 06/2011 Balance reduced by 95% WON!

Link to post
Share on other sites

I had a call from my local branch on Friday, regarding my letter of complaint. They too have rejected my complaint and told to to basically pay what I have been quoted.IF ANYONE ON HERE HAS HAD OFFERED FROM THEIR LOCAL BRANCES OF DISCOUNT RECEINTLY....PLEASE CAN YOU HELP AND PROVIDE ME WITH AS MUCH INFRMATION AS POSSIBLE AS i WANT TO TAKE THIS TO THE FOS.The FOS will charge welcome £500 for every case they look at regardless if they uphold the customers complaint or they go in the favor of welcome...no matter if everyone complians to the FOS then all these £500 charges will start making them think, especially in the finacial situation they are in.

Link to post
Share on other sites

I had a call from my local branch on Friday, regarding my letter of complaint. They too have rejected my complaint and told to to basically pay what I have been quoted.IF ANYONE ON HERE HAS HAD OFFERED FROM THEIR LOCAL BRANCES OF DISCOUNT RECEINTLY....PLEASE CAN YOU HELP AND PROVIDE ME WITH AS MUCH INFRMATION AS POSSIBLE AS i WANT TO TAKE THIS TO THE FOS.The FOS will charge welcome £500 for every case they look at regardless if they uphold the customers complaint or they go in the favor of welcome...no matter if everyone complians to the FOS then all these £500 charges will start making them think, especially in the finacial situation they are in.

 

Dont want to appear negative here but not sure what compaint FOS can uphold on your behalf.I could be wrong here but it is up to Welcome to decide on a reduced settlement figure not a clause for example of consumer law.It is at the discretion of each individual company to offer a reduced balance or settlement so Im not sure what FOS can threaten Welcome with in this respect.

Link to post
Share on other sites

I am not complaining to the fos about my settlement figure, well I am but it's only to make them have a charge of £500 and if everyone did this and welcome had more and more charges then maybe they would start re thinking this no settlement discount thing they have ongoing.

Link to post
Share on other sites

Don't bother write letter as they have to investigate it then and take on the complaint. Pain in the arse I know but at least it will make welcome wake up when these charges start taking effect straight away.....Awwwww shame

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...