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    • The DVLA keeps two records of you. One as a driver and one for your car. If they differ you might find out in around a month when they will send you a reminder as well as to your other half for their car. If you receive nothing then you can be fairly sure that you were tailgating though wouldn't explain why they didn't pick up your car on one of drive past their cameras. However even if you do get a PCN later the your situation will not change. The current PCN does not comply with the Protection of Freedoms Act 2012 Schedule 4 which is the main law that covers private parking. It doesn't comply for two reasons. 1. Section 9 [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 states 47 minutes which are the arrival and departure times not the time you were actually parked. So if you subtract the time you took to drive from the entrance. look for a parking place and park in it perhaps having to manoeuvre a couple of times to fit within the lines and then unload the children followed by reloading the children getting seat belts on etc before driving to the exit stopping for cars, pedestrians on the way you may well find that the actual time you were parked was quite likely to be around ten minutes over the required time.  Motorists are allowed a MINIMUM of ten minutes Grace period [something that the rogues in the parking industry conveniently forget-the word minimum] . So it could be that you did not overstay. 2] Sectio9 [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; Your PCN does not include the words in brackets and in 2a the Act included the word "must". Another fail. What those failures mean is that MET cannot transfer the liability to pay the charge from the driver to the keeper. Only the driver is now liable which is why we recommend our members not to appeal. It is so easy to reveal who was driving by saying "when I parked the car" than "when the driver parked the car".  As long as they don't know who was driving they have little chance of winning in court. This is partly because Courts do not accept that the driver and the keeper are the same person. And because anyone with a valid motor insurance policy is able to drive your cars. It is a shame that you are too far away to get photos of the car park signage. It is often poor and quite often the parking rogues lose in Court on their poor signage alone. I hope hat you can now relax and not panic about the PCN. You will receive many letters from Met, their unregulated debt collectors and sixth rate solicitors threatening you with ever higher amounts of money. The poor dears have never read the Act which states quite clearly that the maximum sum that can be charged is the amount on the signs. The Act has only been in force for 12 years so it may take a  few more years for the penny to drop.  You can safely ignore everything they send you unless or until they send you a Letter of Claim. Just come back to us if they do send one of those love letters to you and we will advise on a snotty letter to send them. In the meantime go on and enjoy your life. Continue reading other threads and if you do get any worrying letters let us know. 
    • Hopefully the ANPR cameras didn't pick up the two vehicles, but I don't think you're out of the woods just yet. MET's "work" consists of sending out hundreds of these invoices every week so yours might be a few days behind your partner's. There is also the matter of Royal Mail.  I once sold two second-hand books to someone on eBay.  Weirdly the cost of sending them separately was less than the cost of sending them in one parcel.  So to save a few bob I sent them seperately.  One turned up the next day.  One arrived after four days.  They were  sent from the same post office at the same time! But let's hope I'm being too pessimistic. Please update us of any developments.
    • New version after LFI's superb analysis of the contract. Sorry, but you need to redo the numbering of the paras and of the exhibits in the right order after all the damage I've caused! Defendant's WS - version 4.pdf
    • Hi  no nothing yet. Hope it stays that way 😬
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welcome 17k Loan from 2005 - still owe +£19k!!


no1zeppelinfan
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Hiya,

So worried about a secured loan I have had with Welcome Finance since 2005 for 17k.

 

 

To cut a long story short this loan was paid on time every month right up until about 2012 when I became very ill

and also my salary dropped by 10k per annum due to no longer receiving a bonus at work.

 

 

slowly since then I have got into arrears etc and bearing in mind these details my current balance is around 19k.

They are such rip offs.

 

 

in between all this I have suffered severe depression which they have only made worse through phone calls etc.

They will not stop the interest at all, I have literally begged them.

 

I'm now off sick again and receiving 50% pay for the next few months as I've just had a major back operation.

 

What I'm asking is what can I do to stop them piling the interest on, Take my home etc?

 

I really cant cope with this worry all the time.

 

 

I have a slightly larger loan with Idem from the same period and they are great,

They have permanently stopped the interest and take whatever I offer them each month.

This is also secured.

 

Can anyone answer my questions at all?

All help appreciated.

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Did you take out PPI?

 

If you were having problems paying then under debt collection guidance, they should exercise forbearance. Sadly this is welcome, and they dont care. i think im right in saying you can challenge them though. Try not to worry as help will be around ASAP.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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get an sar off to welcome ASAP

 

 

whats the idem debt about?

 

 

why are you paying a DCA for a debt?

 

 

they are not bailiffs

and have

NO SUCH LEGAL POWERS.

 

 

you REALLY need to stay off that phone - WRITING ONLY

 

 

put the phone down.

 

 

if you have a debt that large from welcome from 2005

and it not really gone down

 

 

SOMETHING SMELLS.

 

 

prob vastly inflated with PENALTY FEES & all manner of compulsory 'insurances'

inc MIF

 

 

ALL CAN BE RCLAIMED.

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, I didn't take out PPI with Welcome.

 

Did you take out PPI?

 

If you were having problems paying then under debt collection guidance, they should exercise forbearance. Sadly this is welcome, and they dont care. i think im right in saying you can challenge them though. Try not to worry as help will be around ASAP.

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SAR them and CCA them. Do nothing more until you receive the replies.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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Hiya, I sent off a SAR on 18/08/14 so waiting for that. Not paying a Debt collection agency for any loan, Why do you think I am? The Idem loan is an original loan with Picture who sold it to Idem when I had trouble paying this also. These are secured debts for very old loan consolidations. Biggest mistake I ever made was getting a secured loan.

 

get an sar off to welcome ASAP

 

 

whats the idem debt about?

 

 

why are you paying a DCA for a debt?

 

 

they are not bailiffs

and have

NO SUCH LEGAL POWERS.

 

 

you REALLY need to stay off that phone - WRITING ONLY

 

 

put the phone down.

 

 

if you have a debt that large from welcome from 2005

and it not really gone down

 

 

SOMETHING SMELLS.

 

 

prob vastly inflated with PENALTY FEES & all manner of compulsory 'insurances'

inc MIF

 

 

ALL CAN BE RCLAIMED.

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Idem is a DCA. So you are paying them. Most creditors wouldnt sell off a secured debt, since they could just go to court, and get a charging order or bailiffs. Not to mention the loan was already secured so they could have called it in at any time.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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something smells then on that too

 

 

start a sep threads for the picture loan please

keep them apart.

 

 

picture were as bad as welcome for fleecing people

 

 

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'm not worried about the picture / Idem loan so no need to start a thread, thanks though.

 

 

I do have a letter from Webb,

(The loan went from Picture to Webb and now to Idem)

stating that all interest and charges are now stopped.

 

 

So that loan is not my main concern at the moment.

 

 

something smells then on that too

 

 

start a sep threads for the picture loan please

keep them apart.

 

 

picture were as bad as welcome for fleecing people

 

 

dx

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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

I'm not worried about the picture / Idem loan so no need to start a thread, thanks though.

 

 

I do have a letter from Webb,

(The loan went from Picture to Webb and now to Idem)

stating that all interest and charges are now stopped.

 

 

So that loan is not my main concern at the moment.

 

 

urm you need to read on this forum

 

 

those three we have discovered several times have ripped people off

the agreement turned out unenforceable

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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