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    • I have looked at the car park and it is quite clearly marked that it is  pay to park  and advising that there are cameras installed so kind of difficult to dispute that. On the other hand it doesn't appear to state at the entrance what the charge is for breaching their rules. However they do have a load of writing in the two notices under the entrance sign which it would help if you could photograph legible copies of them. Also legible photos of the signs inside the car park as well as legible photos of the payment signs. I say legible because the wording of their signs is very important as to whether they have formed a contract with motorists. For example the entrance sign itself doe not offer a contract because it states the T&Cs are inside the car park. But the the two signs below may change that situation which is why we would like to see them. I have looked at their Notice to Keeper which is pretty close to what it should say apart from one item. Under the Protection of Freedoms Act 2012 Schedule 4 Section 9 [2]a] the PCN should specify the period of parking. It doesn't. It does show the ANPR times but that includes driving from the entrance to the parking spot and then from the parking place to the exit. I know that this is a small car park but the Act is quite clear that the parking period must be specified. That failure means that the keeper is no longer responsible for the charge, only the driver is now liable to pay. Should this ever go to Court , Judges do not accept that the driver and the keeper are the same person so ECP will have their work cut out deciding who was driving. As long as they do not know, it will be difficult for them to win in Court which is one reason why we advise not to appeal since the appeal can lead to them finding out at times that the driver  and the keeper were the same person. You will get loads of threats from ECP and their sixth rate debt collectors and solicitors. They will also keep quoting ever higher amounts owed. Do not worry, the maximum. they can charge is the amount on the sign. Anything over that is unlawful. You can safely ignore the drivel from the Drips but come back to us should you receive a Letter of Claim. That will be the Snotty letter time.
    • please stop using @username - sends unnecessary alerts to people. everyone that's posted on your thread inc you gets an automatic email alert when someone else posts.  
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    • Yes, it was, but in practice we've found time after time that judges will not rule against PPCs solely on the lack of PP.  They should - but they don't.  We include illegal signage in WSs, but more as a tactic to show the PPC up as spvis rather than in the hope that the judge will act on that one point alone. But sue them for what?  They haven't really done much apart from sending you stupid letters. Breach of GDPR?  It could be argued they knew you had Supremacy of Contact but it's a a long shot. Trespass to your vehicle?  I know someone on the Parking Prankster blog did that but it's one case out of thousands. Surely best to defy them and put the onus on them to sue you.  Make them carry the risk.  And if they finally do - smash them. If you want, I suppose you could have a laugh at the MA's expense.  Tell them about the criminality they have endorsed and give them 24 hours to have your tickets cancelled and have the signs removed - otherwise you will contact the council to start enforcement for breach of planning permission.
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Welcome Finance secured loan harrassment & PPI reclaim


sonway
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Hi

 

In 2001 we took out a secured loan on our home for 10,000. To cut a long story short we fell into financial difficulties and missed some payments, we were hounded day and night by these leeches. We contacted national debt line who advised us that a nuber of welcomes loans were unenforceable and could we send our agreement to them so their solicitor could look over it. It turned out that it was unenforceable but Welcome told us they would never remove the charge from our property untill we paid in full. In 2006 we remortgaged and offered welcome 5000 to remove the charge, they snatched our hand off. My question is should they have taken this 5000 to remove the charge? I have a copy of our credit file which states that they wrote off the loan before we paid the 5000. Is it worth starting a compliant with the FOS? Did they take this money from us illegally?

 

Thanks:)

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i sonway

dont want to be a damp squid, but no chance

the reaon they snatched your hand off is they know its a lousy agreement.

at the time you did not have to pay them any thing.

but at the end of the day, the debts exsists.

as the agreement was crap, the charge was not a problem to remove.

 

like most people, we did not know how to deal with things like this.

the likes of welcome walked all over us and we accepted it.

how times have now changed.

as long as you have no default just forget about it and put it down to experience

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  • 2 years later...

Hi

 

We are currently in the process of sorting our debts out with the hope of becoming debt free fairly soon,

some of you will probably have read some of my recent posts relating to different DCA'S,

however, this one with Welcome is probably going to be the most complicated and any opinions/advice etc would be greatly appreciated.

 

We took out a loan with them in 2001,

we fell behind with this due to job loss.

 

To cut a long story very short the harassed us night and day,

called our family,

asked me to sell items in the house and jewellery to pay them each week,

they also knocked on our neighbours doors to ask where we were if we were out.

 

In the end we moved out of our home into rented accomodation as we could not stand the harassment anymore.

 

We then found out that our loan could infact be unenforceable and as it was we were able to move back to our home, which we did.

 

We did not pay Welcome another penny and recieved no further contact from them.

 

We then came to a point where we were able to re mortgage our property which we did,

but welcome wanted £5000 to take the charge of our property,

we paid this to get rid of them once and for all,

 

however i believe now that we should not have had to pay such a large sum of money to take the charge off.

 

I am thinking of doing a CCA request to them to try and claw some PPI etc back from them.

 

Is it worth it and can i still request a CCA even though the account is closed?

 

Any advice will be much appreciated as i feel that they are laughing due to the 5K that we paid to the robbers.:mad2:

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How much was the amount owing to

Welcome when the charge was placed??

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Sorry post ended and can't edit??

 

I think you would be better doing a Subject Access Request, so

that you get all the data including that on the charge,

the cost is £10.00 and they have 40 days to comply,

there is a template in the CAG library.

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What was the default sum if it was more than 5K

you did well.

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we never recieved a defualt notice. I also have evidence of numerous charges added to the account, £20 to visit our home.

My question is, if the laon was unenforceable does it remain secured on a property, and should it have cost 5k to remove?

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That 's why I believe you need the SAR as it is

not a matter for speculation you need hard facts,

so unless you have retained every bit of correspondence

regarding this both your and theirs you have I think

little chance of making a competent claim.

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Hi sonway, In my opinion if you try to

make a claim personally or through litigation

without having every bit of info from the charge

to the PPI and charges it will cost you time and money.

For ten quid you can know all that Welcome hold on

the account and what actions were taken.

Going in not fully prepared is unwise.

Your decision of course.

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Just didn't want to see you perhaps

fall at the first hurdle due to lack of

basic info on the dealings within Welcomes

dingy world:madgrin:

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No, they may moan that they only keep

records for 6 years which is bunk they have to keep

them for 6 years after the closure just tell the

to get on with it if they try anything an say you will inform the ICO.

Brig.

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What was the default sum if it was more than 5K

you did well.

just to let you know, never give up with welcome, i didnt and i got them to write of £5000 !!, just let them keep harrasing you then when you feel you have enough threten them for harrassment they will melt they did with me and wiped it off.

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then if its a closed account and the OP owes nowt to welcome

 

nice windfall coming!!

 

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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That's exactly why I want them to have

all the ammo to blow Welcomes WAGON:madgrin: out

of the water.

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