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    • What do you guys think the chances are for her?   She followed the law, they didnt, then they engage in deception, would the judge take kindly to being lied to by these clowns? If we have a case then we should proceed and not allow these blatant dishonest cheaters to succeed 
    • 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.  
    • he Fraser group own Robin park in Wigan. The CEO's email  is  [email protected]
    • 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 any dealings???


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Then that has been mis-sold to you, they have to give you the option to take out the PPI not make it a condition of the loan.

Friendship costs nothing but its rewards can be priceless. Do not judge, as you will not be judged but if you can, try and assist where possible.:smile:

everyone is entitled to MY opinion!:D

I offer my comments without prejudice or liability.

If you found my advice helpful, please click the scales at the top.

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I'm glad you took the time to find out through forums, its always best to, just wish I and others had prior to getting sucked in by them! :-(

Friendship costs nothing but its rewards can be priceless. Do not judge, as you will not be judged but if you can, try and assist where possible.:smile:

everyone is entitled to MY opinion!:D

I offer my comments without prejudice or liability.

If you found my advice helpful, please click the scales at the top.

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just looked over my contract

 

loan for car was 5578

acceptance fee was 85

finance charge 2775

pp1 insurance 2406

total paypable over 10 thousand pounds

also they charge you evey letter they write £25.00 late fees are 15.00 and to be hones with you i have looked over some of my statments (i question this all about 2 years ago but was fobbed off)

sometimes on one day alone i was charged 120 in interest

on november 5th 2002 £5 fee

nov 6th 5 fee

nov 7th 5 fee

nov 8th 5.oo fee

nov 9th 5 fee

 

and it goes on like this

also when we could not afford to pay they bombarded us and made us rewrite the loan which i think meant we borrowed more at a slightly lower interest rate to pay back the 10 thousand odd we could not afford to pay

to be honest i have not got a clue what they did

to date i think we owe more than 7 thousand still ,take into consideration that we took out 18/04/02 it ran for 42 months and we were paying 258 a month untill last year when we wrote on the advice from ccs to offer them a token payment of 20 a month

PLEASE PLEASE ANY BODY WANTING A CAR DO NOT EVER TRUST WELCOME!

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Hello everyone!...

I am stuck and i need some help..I am trying to culculate the amount i should claim from Welcome FInance for the loan i took...Can anybody give me an advise?

 

Loan amount £3000, intrest 44.5%, 36 payments of £193.30

I am claiming PPI, healthcare and intrest back which are £1146.36 plus 3% of intrest...

I am using one of the CAGs spreadsheet to culculate the amount i have to claim...Is it correct?

 

I know that i should claim £1146.36+ 3% intrest on it...

 

 

But when i add up 36 months of payments of £193.35 is £6960.60...

But when i use the contract to get the total figure i get:

loan 3000

Intrest 44.5%=1335

Acceptancy fee 75

PPI+ Healthcare+ 3% intrest( 996.36+150)=1146.33

alltogether=5556.33

Its almost a £1000 difference.

Now can i calim it back with PPI+Healthcare+ intrest????

PLEASE PLEASE HELP!!!

Carphone Warehouse WON £195.00

Welcome Finance in Court. N244 accepted.

Barclaycard WON with contractual, PPI and charges for time spent and letters sent

Halifax solo, switch, Credit Classic, Halifax one Itsme Vs Halifax 2 accounts

Creation Finance Prelim received offer of £79.88.... Itsme VS Creation Finance

Vodafone overcharged Vodafon.. anything that could be done?

 

U know where the scales r:)))))

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I think its 14 days by law. Keep us updated though, I'm interested to know what they say in reply to your letter ;-)

Friendship costs nothing but its rewards can be priceless. Do not judge, as you will not be judged but if you can, try and assist where possible.:smile:

everyone is entitled to MY opinion!:D

I offer my comments without prejudice or liability.

If you found my advice helpful, please click the scales at the top.

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Hi Everyone

 

Please check out my post below any advice would be greatly received. :)

 

 

http://www.consumeractiongroup.co.uk/forum/other-institutions/64106-welcome-finance.html

 

Glad to have joined the Welcome Freedom Fighter's

 

Mark

 

:D :D

Halifax Current Account Claim £441

Statements Received 11/08/2006

Prelim Sent 21/08/2006

Standard letter Received 29/08/2006

LBA Sent 06/09/2006

Offer Received 20/09/2006

MCOL Issued 03/10/2006

Settled in full :) 07/10/2006

LLoyds Current Account Claim £773.27 inc interest

Statements Received 21/08/2006 Only half received :evil:

Prelim Sent

Barclays Current Account Claim £717.71 inc interest

Statements Received End of Aug postage not paid - lol

Prelim Sent 06/09/2006

LBA Sent 25/09/2006

Offer Received and Rejected 04/10/2006

Will be taking on Welcome Finance and Southern Pacific Mortgages Soon. :-x

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got a reply from them today here is what they said

 

"

Just to point out you signed on trade premises and there is no cooling of period, cooling off periods only stand when you sign off trade premises but under the circumstances that you feel you were wrongly sold the Payment protection insurance I will cancel the agreement for you, we also have no choice over the interest rate you received its all done on your credit score direct from the lender.

"

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I SAR'D Welcome the other day on behalf of my mum. Sent the 10 quid fee and got a signed credit agreement, nothing else. Cheeky bar stewards. Goes to show they really do not have a clue. Will do them a nice little letter later telling them time is running out......

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Hello all. I have had three agreements with welcome.

1) HP for a car from a company called Approved Car Credit. Paid in full 5 years ago.

2) Personal Loan for £1000, paid back in full £1650 over 12 months.

3) HP for a car £6200, got into financial difficulty with 8months left to pay. They 'restructured' the loan

and I am now paying the remaining balance over 50 months @£197 a month. All in all I will have ended up paying around £20000 for a £6500 car !!! This includes the numerous 'penalty charges ' that they applied.

I did discover though that the 'new' restructured HP agreement was turned into a personal loan though so that allowed me to change the car :)

I pay by cash each month and I get constant phone calls asking which day I am paying my payment on ......

Any how, what exactly can I claim back from them? Has anyone claimed from them yet and won?

 

chris

In the poop without a scoop....

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Hello guys, i believe this it the largest WF forum on this site...

I need some big help to culculate the amount i have to claim From WF for the mis-sold PPI...I belive thay used rule 78 to charge the intrest..and in balance colum in statements put intrest on loan, PPI, Healthcare, Intrest on it together.... Can some body let us know how didi you culculate the amount you are claiming?

 

 

Thank you.

 

Kind regards,

 

Maria

Carphone Warehouse WON £195.00

Welcome Finance in Court. N244 accepted.

Barclaycard WON with contractual, PPI and charges for time spent and letters sent

Halifax solo, switch, Credit Classic, Halifax one Itsme Vs Halifax 2 accounts

Creation Finance Prelim received offer of £79.88.... Itsme VS Creation Finance

Vodafone overcharged Vodafon.. anything that could be done?

 

U know where the scales r:)))))

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Hello guys, i believe this it the largest WF forum on this site...

I need some big help to culculate the amount i have to claim From WF for the mis-sold PPI...I belive thay used rule 78 to charge the intrest..and in balance colum in statements put intrest on loan, PPI, Healthcare, Intrest on it together.... Can some body let us know how didi you culculate the amount you are claiming?

 

 

Thank you.

 

Kind regards,

 

Maria

 

Hi itsmeandonlyme

 

Everyone is with you on this. Check out my post http://www.consumeractiongroup.c o....e-finance.html I am doing the same, they used the Rule 78 when calculating my settlement figure, it looks to be some kind of complicated math’s formula that is not

in favor of the borrower if you settle early .

I tried working it out at the time and it depends on when the loan was settled month etc.

 

Mark

Halifax Current Account Claim £441

Statements Received 11/08/2006

Prelim Sent 21/08/2006

Standard letter Received 29/08/2006

LBA Sent 06/09/2006

Offer Received 20/09/2006

MCOL Issued 03/10/2006

Settled in full :) 07/10/2006

LLoyds Current Account Claim £773.27 inc interest

Statements Received 21/08/2006 Only half received :evil:

Prelim Sent

Barclays Current Account Claim £717.71 inc interest

Statements Received End of Aug postage not paid - lol

Prelim Sent 06/09/2006

LBA Sent 25/09/2006

Offer Received and Rejected 04/10/2006

Will be taking on Welcome Finance and Southern Pacific Mortgages Soon. :-x

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Hi itsmeandonlyme

 

Everyone is with you on this. Check out my post http://www.consumeractiongroup.c o....e-finance.html I am doing the same, they used the Rule 78 when calculating my settlement figure, it looks to be some kind of complicated math’s formula that is not

in favor of the borrower if you settle early .

I tried working it out at the time and it depends on when the loan was settled month etc.

 

Mark

 

 

Thank you Mark, going to look through it now...

 

I just wanted to understand how everybody worked out the formula for the amount they are claiming....

 

Couldn't find it anywhere...all the PM's, posted it on my thread....no reply....seems like everybody knows the answers for SAR and LB, but not for the most important-amount to claim ( working out PPI and rule 78 ....:)))))

 

I just wanted to point that nicely:)))))

 

regards,

 

MARIA

Carphone Warehouse WON £195.00

Welcome Finance in Court. N244 accepted.

Barclaycard WON with contractual, PPI and charges for time spent and letters sent

Halifax solo, switch, Credit Classic, Halifax one Itsme Vs Halifax 2 accounts

Creation Finance Prelim received offer of £79.88.... Itsme VS Creation Finance

Vodafone overcharged Vodafon.. anything that could be done?

 

U know where the scales r:)))))

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I also had a loan with Welcome Finance which I topped up 4 times (shame on me) I never missed a payment and paid it all off a year and a half ago (no early payment discount)

I remember being advised to take out Health Insurance and PPI, when I said I didn't want any insurance, they took off the health one but not the PPI as they said you *have* to it to get the loan.

I have all my loan agreeement numbers, and I am not disputing charges (as there are none) but I would like to ask for the mis-sold PPI's.

can anyone supply a link to a draft letter I can send??

I would really appreciate it, and will start my own post as soon as I get more info

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Hi Kerry,

not sure if we have such a letter but if you read through this thread you may find something along those lines that someone has already sent to (un)Welcome. Failing that I'm sure someone on here will assist you, theres plenty of us on here ;-) Good luck

Friendship costs nothing but its rewards can be priceless. Do not judge, as you will not be judged but if you can, try and assist where possible.:smile:

everyone is entitled to MY opinion!:D

I offer my comments without prejudice or liability.

If you found my advice helpful, please click the scales at the top.

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Nice one fairmorn ;-) You escaped their clutches, so pleased you found this site before signing your life away :-D

Friendship costs nothing but its rewards can be priceless. Do not judge, as you will not be judged but if you can, try and assist where possible.:smile:

everyone is entitled to MY opinion!:D

I offer my comments without prejudice or liability.

If you found my advice helpful, please click the scales at the top.

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Share on other sites

Can someone enlighten me on a welcome issue.

 

They transferred the debt to Hillesdon (SOLD IT AS I HAVE DOCUMENTS) Hillesdon have closed the account and removed there default,

 

Two defaults were registered for the same account. (Illegal i know)

 

Does welcome now have to close it as Hillesdon have now closed the aco****, They were unable to obtain information from the original lender?

 

Welcome failed to comply with CCA request no statement of accounts, Credit agreement was not original as this had a typing error on it!

 

They typed a new one bless um! Lots of different dates now.

 

HELP PLEASE

 

ps what a read fab!

SBFIDO

 

Accredited Member of the CIEH

 

No more will I be bullied or harassed.

 

When informed that the call is recorded for training and monitoring I always say I don't want it used for training. :razz:

 

I always ask for the ICO registration information - they often dont have it, shame i never discuss my personal data unless I know they comply with the DPA.

 

Finally I always record calls and state at the start of there call. Although I don't have too.

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hi all glad i found this site i have a car with welcome it costs me £385 per month obviously this is killing me now i have paid it for 2 years could someone explain to me in laymans terms how i go about getting the ppi removed if possible and how to challenge them on interest etc.All so is it possible to reduce my payments i have thought about giving them back the car and asked them how much i still owed by phone they said they couldn't tell me i had to write in.How do I legally stop paying them while i sort out these problems feel like im being taken for a ride.

If I dont pay them what happens they add more charges ??

Up to now paid them just under £9000 and still have 2 years to go under pressure need help please.

All so what are CCA and S.A.R's and where do i get the paperwork and what do i send first and how to sorry for being so thick lorry driver not bank manager haha

Basically what do i do first to try to sort this out heeeellllllllpppppp please

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