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    • That is really good is that a mistake last off "driver doesn't have a licence" I assume that should be keeper? The Court requested me to send the Court and applicant proof of my sons disability from their GP this clearly shows he has Severe Mental Impairement, he is also illiterate.  I naively assumed once the applicant received this that they would drop the claim.  It offends me that Bank has asked the Judge to throw the case out at the preliminary hearing and to make us pay up.
    • Hi, we are looking to get some opinions on weather or not to bother fighting this PCN. This comes from a very big retail park parking where there are restaurants, hotel, amongst other businesses. The parking is free but I suppose there must be a time limit on it that I am not aware of. We were in the area for around 4 hours. Makes us wonder how they deal with people staying in the hotel as the ANPR is on what appears to be a publicly maintained street (where london buses run) which leads to the different parking areas including the hotel.  1 Date of the infringement 26/05/2024 2 Date on the NTK  31/05/2024 3 Date received 07/06/2024 4 Does the NTK mention schedule 4 of The Protections of Freedoms Act 2012? [Y/N?]  YES 5 Is there any photographic evidence of the event? Entry and exit photos however, based on the photographs we are almost sure the photos are taken on public street. This is the location I believe photos are taken from.  https://maps.app.goo.gl/eii8zSmFFhVZDRpbA 6 Have you appealed? [Y/N?] post up your appeal] No Have you had a response? [Y/N?] post it up N/A 7 Who is the parking company? UKPA. UK Parking Administration LTD 8. Where exactly [carpark name and town] The Colonnades, Croydon, CR0 4RQ For either option, does it say which appeals body they operate under. British Parking Association (BPA) Thanks in advance for any assistance.  UKPA PCN The Collonades-redacted.pdf
    • Thank you for posting their WS. If we start with the actual WS made by the director one would have doubts that they had even read PoFA let alone understood it. Point 10  we only have the word of the director that the contract has been extended. I should have had the corroboration of the Client. Point 12 The Judge HHJ Simkiss was not the usual Judge on motoring cases and his decisions on the necessity of contracts did not align with PoFA. In Schedule 4 [1[ it is quite clearly spelt out- “relevant contract” means a contract (including a contract arising only when the vehicle was parked on the relevant land) between the driver and a person who is—(a)the owner or occupier of the land; or (b authorised, under or  by virtue of arrangements made by the owner or occupier of the land, to enter into a contract with the driver requiring the payment of parking charges in respect of the parking of the vehicle on the land; And the laughable piece of paper from the land owners cannot be described as a contract. I respectfully ask that the case be dismissed as there is no contract. WE do not even know what the parking regulations are which is really basic. It is respectfully asked that without a valid contract the case cannot continue. One would imagine that were there a valid contract it would have been produced.  So the contract that Bank has with the motorist must come from the landowner. Bank on their own cannot impose their own contract. How could a director of a parking company sign a Statement of Truth which included Point 11. Point 14. There is no offer of a contract at the entrance to the car park. Doubtful if it is even an offer to treat. The entrance sign sign does not comply with the IPC Code of Conduct nor is there any indication that ANPR cameras are in force. A major fault and breach of GDPR. Despite the lack of being offered a contract at the entrance [and how anyone could see what was offered by way of a contract in the car park is impossible owing to none of the signs in the WS being at all legible] payment was made for the car to park. A young person in the car made the payment. But before they did that, they helped an elderly lady to make her payment as she was having difficulty. After arranging payment for the lady the young lad made his payment right behind. Unfortunately he entered the old lady's number again rather than paying .for the car he was in. This can be confirmed by looking at the Allow List print out on page 25. The defendant's car arrived at 12.49 and at 12.51 and 12.52  there are two payments for the same vrm. This was also remarked on by the IPC adjudicator when the PCN was appealed.  So it is quite disgraceful that Bank have continued to pursue the Defendant knowing that it was a question of  entering the wrong vrm.  Point 21 The Defendant is not obliged to name the driver, they are only invited to do so under S9[2][e]. Also it is unreasonable to assume that the keeper is the driver. The Courts do not do that for good reason. The keeper in this case does not have a driving licence. Point 22. The Defendant DID make a further appeal which though it was also turned down their reply was very telling and should have led to the charge being dropped were the company not greedy and willing to pursue the Defendant regardless of the evidence they had in their own hands. Point 23 [111] it's a bit rich asking the Defendant to act justly and at proportionate cost while acting completely unjustly themselves and then adding an unlawful 70% on to the invoice. This  is despite PoFA S4[5] (5)The maximum sum which may be recovered from the keeper by virtue of the right conferred by this paragraph is the amount specified in the notice to keeper under paragraph 9[2][d].  Point 23 [1v] the Director can deny all he wants but the PCN does not comply with PoFA. S9 [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 only quotes the ANPR arrival and departure times which obviously includes a fair amount of driving between the two cameras. Plus the driver and passengers are a mixture of disabled and aged persons who require more time than just a young fit single driver to exit the car and later re enter. So the ANPR times cannot be the same as the required parking period as stipulated in the ACT. Moreover in S9[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; You will note that in the PCN the words in parentheses are not included but at the start of Section 9 the word "must" is included. As there are two faults in the PCN it follows that Bank cannot pursue the keeper . And as the driver does not have a driving licence their case must fail on that alone. And that is not even taking into consideration that the payment was made. Point 23 [v] your company is wrong a payment was made. very difficult to prove a cash payment two weeks later when the PCN arrives. However the evidence was in your print out for anyone to see had they actually done due diligence prior to writing to the DVLA. Indeed as the Defendant had paid there was no reasonable cause to have applied for the keeper details. Point 24 the Defendant did not breach the contract. The PCN claimed the Defendant failed to make a payment when they had made a payment.   I haven't finished yet but that is something to start with
    • You don't appeal to anyone. You haven't' received a demand from a statutory body like the council, the police or the courts. It's just a dodgy cowboy company trying it on. You simply don't pay.  In the vast majority of these cases the company deforest the Amazon with threats about how they are going to divert a drone from Ukraine and make it land on your home - but in the end they do nothing.
    • honestly you sound like you work the claimant yes affixed dont appeal to anyone no cant be “argued either way”  
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      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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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Welcome Finance Loans


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Hi Everyone,

 

New to this so bear with me!

 

A few years ago i took out a loan with Welcome Finance

 

after a few payments i couldn't afford to keep paying so stupidly i just stopped.

 

They decided to re finance my loan at a lower rate to help but lost my original agreement.

 

They decided to just re finance the loan but at a rate i still couldn't afford so i couldn't pay it.

 

After a year i moved and I've never heard nothing from them.

 

Not log ago i went onto my credit file and saw the welcome loan on my file,

now they have not defaulted me after 4 years of having the loan.

 

They keep registering late payments even 4 years down the line and they have added stupid amounts of interest against it.

 

Now i want to start sorting this out and getting it off my file.

 

I have been trying to contact them by telephone but cannot get through and the office where i took out the original loan has closed down.

 

I want to come to some sort of agreement to start paying this off

but the amount stating on my file seems to have added stupid amounts of interest and i know i was sold the PPI

so the amount stating i owe i know is incorrect.

 

The original loan i took out was £2,000

 

I guess I'm asking what the best way is to sorting this out??

 

Any help will be greatly appreciated!

 

Thanks

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Hi welcome to CAG,

 

Welcome exist only to collect their outstanding book debt.

All correspondence must go the head office.

 

As to getting it off your file that is not going to be easy!!

 

I suggest a Subject Access Request under the Data Protection Act 1998

there is a stautory fee of £10 for this and Welcome have 40 days to comply,

this will provide you with all the data they hold on the account.

Use the template from the CAG library for the SAR, and address it to the Data Controller.

Do you think the PPI was missold?

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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never ever phone them

 

i'd send an sar and get reclaiming the PPI and PENALTY charges.

 

i've moved you thread to the welcome finance forum

 

have a good read 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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Thanks for the fast response guys and for the advice!

 

I know getting it off my file won't be easy and that i have to pay it off! They haven't registered a default against it just late payments so presumably if i start to pay it off again after a a year of paying it should start to look better on my file the fact i am paying the debt off as they will register i am paying it won't they?

 

I don't even think i was offered the PPI i was more told to have it but to be honest its going back that far i can't really remember! When i first got it the office i got it from was where 2 friends worked so it wasn't really a standard application then i moved out of the area and had it transferred to another office where they lost my data. Both these offices have now closed so i have no idea where my data even is!

 

Can i claim on the penalty charges and PPI even though i haven't paid all the loan off?

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if the ppi/PENALTY charges are the SOLE reason for all the markers

then they MUST be removed.

 

did you sign the refinance agreement ever?

 

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

Some of the debt will be what i actually lent but i have no idea how much is actually correct. I think someone came round to my house and i signed the refinance agreement but again its that long ago i can't really remember.

 

I just want to start paying what i actually owe off so i can start to mend my credit file and its actually fair i pay what i lent but not a penny more and i don't want them hounding me or even coming to my house.

 

Do u think the SAR is the best course of action for me to get the ball rolling?

 

R

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yes

 

knowing welcome

i suspect they owe YOU!!

 

what does your cra file say about this 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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On experian it just has the date they registered the loan,

the debt amount which is around £2700 apparently,

and then the number of missed payments which is 6+

and then last updated date which was recent.

 

So it looks like they are still registering the late payments but not defaulting me!

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It's a ploy to keep debts on file as Welcome do not function

in the finance market any more and just collect old debts it

prevents entries falling off the credit files.

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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get that SAR off ASAP.

 

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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I thought that because as it stands at the minute it looks on my file like I'm just paying late every month when i haven't made a payment on it since 2008!

 

Is there nothing i can log with Experian like a dispute or investigation to get to investigate it. Not sure if I'm opening up a can of worms if i do that as really they should have defaulted me back in 2008

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You can place a notice of dispute on the entry (s)

any amendment MUST be made by Welcome.

The entry as it stands is a monthly update showing

no payments being made so is accurate.

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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Surely 4 years of no payments should register a default by now.

 

I'm trying to find a way of doing all of this without having any more of a bad impact on my file, if thats even possible

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Surely 4 years of no payments should register a default by now.

 

I'm trying to find a way of doing all of this without having any more of a bad impact on my file, if thats even possible

 

Registering a default is no automatic there is no obligation to default an account.At this stage I iwould not

worry about further impact.

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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Hi, i've had the same problem with WF but they have been updating my credit report for 6+ years. I have complained to the Information Commissioners Office as the 'data protection technical guidance notes on filing of defaults with credit reference agencies' state that late payment markers should not be used in place of a default which is meant to be registered not more than 6 months after the late payment was made. WF are clearly breeching this.

 

I have written to WF 3 times with no reply.

 

Good luck you will need it with WF !!!

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If everyone with a Welcome account that has not been defaulted would please

make a complaint to the ICO then the volume will improve the chance of action

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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