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    • I found that the parkin attended has a car with CCTV camera on it, however as I stated earlier, it seems that he did not take video of my car otherwise they would have stated so in the SAR. parking car .pdf
    • The rules state that "approved devices may only be used in limited circumstances"  I was not a threat. I was not present. I did not drive away. I think he has not fulfilled the necessary requirements justifying issuing me a PCN by post therefore the PCN was issued incorrectly and not valid.  What are your thoughts?  
    • I have also found this:  D.2 Service of a PCN by post: 54) There are some circumstances in which a PCN (under Regulation 10) may be served by post: 1) where the contravention has been detected on the basis of evidence from an approved device (approved devices may only be used in limited circumstances) 2) if the CEO has been prevented, for example by force, threats of force, obstruction or violence, from serving the PCN either by affixing it to the vehicle or by giving it to the person who appears to be in charge of that vehicle 3) if the CEO had started to issue the PCN but did not have enough time to finish or serve it before the vehicle was driven away and would otherwise have to write off or cancel the PCN 55) In any of these circumstances a PCN is served by post to the owner and also acts as the NtO. The Secretary of State recommends that postal PCNs should be sent within 14 days of the contravention. Legislation states that postal PCNs must be sent within 28 days, unless otherwise stated in the Regulations. This from London Councils Code of Practice on Civil Parking Enforcement.  The question is what is an approved device? Certainly, he had the opportunity to place the ticket on my car and I didn't drive away.  I looked further and it seems that an approved device is a CCTV camera - It seems that the photos taken were not actual film but images and it is not clear if they are taken from a video or are stills. I'm guessing if it was moving images then the SAR would have stated this.    From the Borough of Hounslow website: "There are two types of PCN issued under the Traffic Management Act 2004, which governs parking contraventions. The first is served on-street by a Civil Enforcement Officer, who will observe a vehicle and collect evidence before serving the PCN either by placing it in a plastic wallet under the windscreen wiper, or by handing it to the driver. The second is a PCN served by post, based on CCTV footage taken by an approved device, which has been reviewed by a trained CCTV Operator."   From Legislation.gov.uk regarding approved devices: Approved Devices 4.  A device is an approved device for the purposes of these Regulations if it is of a type which has been certified by the Secretary of State as one which meets requirements specified in Schedule 1. SCHEDULE 1Specified requirements for approved devices 1.  The device must include a camera which is— (a)securely mounted on a vehicle, a building, a post or other structure, (b)mounted in such a position that vehicles in relation to which relevant road traffic contraventions are being committed can be surveyed by it, (c)connected by secure data links to a recording system, and (d)capable of producing in one or more pictures, a legible image or images of the vehicle in relation to which a relevant road traffic contravention was committed which show its registration mark and enough of its location to show the circumstances of the contravention. 2.  The device must include a recording system in which— (a)recordings are made automatically of the output from the camera or cameras surveying the vehicle and the place where a contravention is occurring, (b)there is used a secure and reliable recording method that records at a minimum rate of 5 frames per second, (c)each frame of all captured images is timed (in hours, minutes and seconds), dated and sequentially numbered automatically by means of a visual counter, and (d)where the device does not occupy a fixed location, it records the location from which it is being operated. 3.  The device and visual counter must— (a)be synchronised with a suitably independent national standard clock; and (b)be accurate within plus or minus 10 seconds over a 14-day period and re-synchronised to the suitably independent national standard clock at least once during that period. 4.  Where the device includes a facility to print a still image, that image when printed must be endorsed with the time and date when the frame was captured and its unique number. 5.  Where the device can record spoken words or other audio data simultaneously with visual images, the device must include a means of verifying that, in any recording produced by it, the sound track is correctly synchronised with the visual image.
    • Hearing took place today.  Case dismissed with costs awarded. Neither UKPC or a representative turned up.  Apparently they messaged the court on 7 May asking for their case to be considered on paper.  Never informed me, which was criticised by the judge as not following procedure.  I was really annoyed as I would have preferred for the case to be thrown out before the hearing, or at least face them in court and see them squeal.   They are just playing a numbers game and hope you blink 1st!   Ended up having to change my flight, but  the costs awarded softens the blow. Was asked to confirm it was my signature on both the witness statement and supplementary statement.  Wasn't asked to read them, said she could see my arguments made and the signs were insufficient and no contract formed. Took maybe 10 mins in total.  Judge did most of the talking and was best for me just to keep quiet or confirm any statements made. Happy to have won as a matter of principle and have costs awarded. Maybe not worth all the time and hassle for any newbies or the technologically challenged.  But if you are stubborn like me and willing to put in the time and effort, you can beat these vultures! I big shout out to everyone who helped on the thread with their advice and guidance, special mention to FTMDave, thank you sir!  Really appreciate everyone's efforts. All the best!
    • I plan to be honest to avoid any further trouble, tell them that the name should be changed to my official name
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    • 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.

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welcome finance settlement offers


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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

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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 ?

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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!

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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 ).

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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..

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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..

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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.

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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.

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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

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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.

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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.

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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!

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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.

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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.

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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.

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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

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