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    • Hello dx100uk, After months of waiting for a response I finally got a reply and I must say it was the worst 4 months of my life the - fear of the unknown. So, they wrote back and said I was in the wrong BUT on this occasion they  would not take action but keep me on file for the next 12 months. It. was the biggest relief of my life a massive weight lifted -  I would like to thank you and the team for all your support
    • I have contacted the sofa shop who are sending someone out tomorrow to inspect the furniture. I suspect if anything a replacement will be offered although I would prefer a refund. Few photos of the wear in the material, this is how it was delivered.  
    • Yup, for goodness sake she needs to stop paying right now, DCA's are powerless, as .  Is it showing on their credit file? Best to use Check my file. All of the above advice is excellent, definitely SAR the loan company as soon as possible.
    • Hi all, I am wandering if this is appealable. It has already been through a challenge on the Islington website and the it was rejected. Basically there was a suspended bay sign on a post on Gee st which was obscured by a Pizza van. The suspension was for 3 bays outside 47 Gee st. I parked outside/between 47 & 55 Gee st. I paid via the phone system using a sign a few meters away from my car. When I got back to the car there was a PCN stuck to the windscreen which I had to dry out before I could read it due to rain getting into the plastic sticky holder.  I then appealed using the Islington website which was then rejected the next day. I have attached a pdf of images that I took and also which the parking officer took. There are two spaces in front of the van, one of which had a generator on it the other was a disabled space. I would count those as 3 bays? In the first image circled in red is the parking sign I read. In the 2nd image is the suspension notice obscured by the van. I would have had to stand in the middle of the road to read this, in fact that's where I was standing when I took the photo. I have pasted the appeal and rejection below. Many thanks for looking. ----------------------------------------------------------------------- This is my appeal statement: As you can see from the image attached (image 1) I actually paid £18.50 to park my car in Gee st. I parked the car at what I thought was outside 55 Gee st as seen in image 2 attached. When I read the PCN issued it stated there was a parking suspension. There was no suspension notice on the sign that I used to call the payment service outside number 55 Gee st. I looked for a suspension notice and eventually found one which was obscured by a large van and generator parked outside 47 Gee st. As seen in images 3 and 4 attached. I am guessing the parking suspension was to allow the Van to park and sell Pizza during the Clerkenwell design week. I was not obstructing the use or parking of the van, in fact the van was obstructing the suspension notice which meant I could not read or see it without prior knowledge it was there. I would have had to stand in the road to see it endangering myself as I had to to take images to illustrate the hidden notice. As there was no intention to avoid a parking charge and the fact the sign was not easily visible I would hope this challenge can be accepted. Many thanks.   This is the text from the rejection: Thank you for contacting us about the above Penalty Charge Notice (PCN). The PCN was issued because the vehicle was parked in a suspended bay or space. I note from your correspondence that there was no suspension notice on the sign that you used to call the payment serve outside number 55 Gee Street. I acknowledge your comments, however, your vehicle was parked in a bay which had been suspended. The regulations require the suspension warning to be clearly visible. It is a large bright yellow sign and is erected by the parking bay on the nearest parking plate to the area that is to be suspended. Parking is then not permitted in the bay for any reason or period of time, however brief. The signs relating to this suspension were sited in accordance with the regulations. Upon reviewing the Civil Enforcement Officer's (CEO's) images and notes, I am satisfied that sufficient signage was in place and that it meets statutory requirements. Whilst I note that the signage may have been obstructed by a large van and generator at the time, please note, it is the responsibility of the motorist to locate and check the time plate each time they park. This will ensure that any changes to the status of the bay are noted. I acknowledge that your vehicle possessed a RingGo session at the time, however, this does not authorize parking within a suspended bay. Suspension restrictions are established to facilitate specific activities like filming or construction, therefore, we anticipate the vehicle owner to relocate the vehicle from the suspended area until the specified date and time when the suspension concludes. Leaving a vehicle unattended for any period of time within a suspended bay, effectively renders the vehicle parked in contravention and a Civil Enforcement Officer (CEO) may issue a PCN. Finally, the vehicle was left parked approximately 5 metres away from the closest time plate notice. It is the responsibility of the driver to ensure they park in a suitable parking place and check all signs and road markings prior to leaving their vehicle parked in contravention. It remains the driver's responsibility to ensure that the vehicle is parked legally at all times. With that being said, I would have to inform you, your appeal has been rejected at this stage. Please see the below images as taken by the CEO whilst issuing the PCN: You should now choose one of the following options: Pay the penalty charge. We will accept the discounted amount of £65.00 in settlement of this matter, provided it is received by 10 June 2024. After that date, the full penalty charge of £130.00 will be payable. Or Wait for a Notice to Owner (NtO) to be issued to the registered keeper of the vehicle, who is legally responsible for paying the penalty charge. Any further correspondence received prior to the NtO being issued may not be responded to. The NtO gives the recipient the right to make formal representations against the penalty charge. If we reject those representations, there will be the right of appeal to the Environment and Traffic Adjudicator.   Gee st pdf.pdf
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2 different agreements with welcome finance


Micana
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Hello everybody.I just need some advice please.

 

I took a car loan in 2006, signed the agreement with welcome Finance.

 

The amount of credit was £7950 over 48 months total amount repayable 15081.12 (40,2% apr).

 

My first payment was made on november 2006,

monthly payment was £305.45 which i I kept paying until may 2008.

 

After a phone conversation with welcome finance it was agrred to reduce my monthly payments to 127.84 a month.

 

I thought I was paying for the same agreement.

 

But recently i found out that I signed another contract for £127.84 a month (i cant remember signing it) which extended my payments for another 10 years.

 

Now i Want to make a request for SAR.

 

Do I need to do it separetly for each agreement and send payments in total of £20 pounds?

P.S

I do have my first agreement with them.

But I don't have the second agreement.

Thank you

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yes if you read a few of the threads here

you'll see this was a widespread practice by welcome staff.

 

get the SAR off

include a line.

this is to include copies of all/any agreements i have had with your company.

 

quite honestly i'd recommend you stop paying

but thats your choice.

 

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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thanks for responding. i did stop paying welcome finance. The sent me default notice and threatening to take a car. I didn't sign second agreement ( I don't have second agreement copy) that's why I need SAR. THANK YOU AGAIN I WILL SEND SAR REQUEST AND ENCLOSE 10 pounds postal order.

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  • 3 weeks later...

Hello. I received my SAR from Welcome. I've found a second agreement with them for 120 months (I thought it was for 36 months) but signature doesn't look like mine and the date 30/05/2008 is wrong. I've got a prove that on 30/05/2008 I was in Thailand (customs samp in my passport). Is my second agrrement a fraud and what to do now?

Thanks

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In 2006 i got loan to purchase a car.

 

I borrowed £6950 plus £1000 (for insurance some kind) Totally £7950.

Duration of agreement 48 month with 40.2% APR.

Total repayble £15061.12.

I paid £305.45 a month.

 

In 2007 I took another loan for £2000.

Agreement for 36 months with 60.10% APR.

With monthly payments of £109.74 a month.

 

In 2008 I couldn't afford to pay for the car and asked welcome finance to take it.

They didn't want car back and said that they will help me to ease monthly payments.

 

The said thay put both loand in 1 agreement for 60 months with monthly payments of £127.

To which I agreed verbally.

I started paying them monthly.

 

About 2 months ago I called them and asked how much I owe them.

 

They said they I have to pay them for another 6 years and I owe them nearly £10000.

I thought It wasn't right.

 

They said they gona take a car away because i didn't pay 1/3 for the car.

That's why I requested SAR to see what was happening.

 

So documents arrived.

 

And I found the aggreement where they pu both loans in one contract for 120 months.

I discovered that it s not my signature on the agreement and the date was wrong 30/05/2008.

That date I was in Thailand so I phisically couldn't be in UK signing a contract.

 

I called, them They admitted the forgery.

 

Next day they called me and said the forged documents doesn't change a thing and I still owe them £10000 pounds.

( By the way according to the SAR since 2006 I've paid £9400).

 

Regarding the forgery I contacted police fraud department.

 

They sent me letter I quote:

Broadly speaking there is no specific criminal offence in using identity belonging to another.

In relation of this incident please send the copy of this letter to the company (Welcome finance) ...

... They can decide whether or not to request an investigation.... .

 

Now I don't know were I stand.

 

I will have an apponments with citizen advice bureau next week.

If somebody please could give me advise what else I could do.

 

Thanks.

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two threads merged

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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typical of welcome to do this

 

was rife or many years.

 

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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Share on other sites

post 6 here

 

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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Share on other sites

This is what they did to me - reduced my payments and changed the account number (of which I didn't notice till a couple of years ago). Like you it was all executed by phone yet the other day they told me I had had 2 loans with them. Hope you can get it sorted. Can't believe they admitted frauding your siggy!

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