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    • just to be clear here..... the DVLA do not send letters if a drivers licence address differs from any car's V5C that shows the same driver as it's registered keeper.
    • sorry she is a private individual, the cars are parking on her land. she can clamp the cars. only firms were outlawed from doing it bazza. thats what the victims of people dumping cars on their drives near airports did and they didn't not get prosecuted.    
    • 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 then 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. if you subtract the time you took to drive from the entrance. look for a parking place  park in it perhaps having to manoeuvre a couple of times to fit within the lines and unload the children reloading the children getting seat belts on  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.
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Welcome finance Ppi claim


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Hi,

 

 

I had a car loan with welcome finance around 1998 for about £3000 over 3 years,

then I had a loan when I paid that off,

 

 

I remember paying Ppi on both these but have no paperwork or dates or amounts ( nothing as proof)

, where do I start to try make a claim,

think the Ppi was about £80 a month,

 

 

kind regards

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you would need to send an sar to welcome finance to get all the paperwork they hold on you.

 

 

make sure you read the SAR link and all its posts

esp if you have moved from the address you took the finance out from.

 

 

welcome appear to be coughing again on PPI claims

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 very much, just reading the posts on SAR, right now,

 

 

I did speak to welcome on Friday on the phone,

and they give me 3 account numbers with separate dates 1999, 2002 and 2004,

these loans had Ppi on all of them,

 

 

1999 loan they said they don't know who underwriter is so can't do anything about it,

 

 

2002 loan they give me a number to ring (aviva) so called them and they will be getting back to me in 8 weeks,

 

 

and the final loan welcome are sending me a questionnaire to fill out,

 

 

I have moved from that address when I took out loan,

 

 

I will send a SAR to them tomorrow, kind regards

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little tiny tip.....DONT BELIEVE ANYTHING WELCOME TELL YOU..

 

 

don't use anyone elses questionnaire but the fos one

 

 

don't accept any refunds until you've done the spreadsheet from info on the statements.

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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  • 3 weeks later...

I claimed from Aviva on a loan that was before 2005.

 

 

I sent the claimform to welcome with the pre 2005 and post 2005 account numbers on and although welcome would not do anything with the pre 2005 ones.

 

 

They did give me the underwriters details and I claimed from those.

 

 

Had to to go fscs too Good luck!!

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hopefully

else we should be able to work it out by the dates

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

Hi ,

had a phone call from aviva today offering me £282 for a 12 month loan for £750,

insurance was £119.69,

but on email is says total loan amount was £944.69,

so £75 had been added somewhere,

would I be correct thinking there is a £75 acceptance fee?

 

First loan in 1999 was for £2800 , not sure who underwriter is yet

 

And third loan was in 2004 for £2000 not sure about underwriters for that one too

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look at the agreement?

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

  • 3 weeks later...

Hi, received my SAR today,

 

 

the first loan I had with welcome was taken out 30/04/1999.

 

 

They have told me they don't know who the underwriter was then, would you know?

 

 

I can't find anything on the SAR

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read other welcome finance PPI threads

typically ends to Aviva now but were smaller provincial insurer in those days that they've swallowed up

 

use the search CAG box of the top read toolbar.

 

welcome PPI 1999

 

or like things

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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  • 4 months later...
Hi ,

had a phone call from aviva today offering me £282 for a 12 month loan for £750,

insurance was £119.69,

but on email is says total loan amount was £944.69,

so £75 had been added somewhere,

would I be correct thinking there is a £75 acceptance fee?

 

First loan in 1999 was for £2800 , not sure who underwriter is yet

 

And third loan was in 2004 for £2000 not sure about underwriters for that one too

 

Hiya

 

I too have several loans with welcome from the early 2000's. I have all my original paperwork still including the norwich union / Aviva policy document.(god knows how lol)

 

What phone number did you ring at Aviva?

Did you do it all over the phone? What reasons did you give for mis selling? Did they ask for any proof ect?

 

Are they giving you statutory interest on the claimed amounts?

 

Sorry for so many questions

 

Thank you for any help

 

Matt

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better to start a new thread

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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  • 1 year later...

Hello there, in a similiar situation with a pre 2000 loan from Welcome they state they dont know who the underwriter was but after much research the 2 main culprits aroudn this time seem to be Aviva and Lloyds. just wondering how you approached Aviva please? Did Welcome give you a contact? I have been doing most claims through Resolver and wonder if this is the best approach for this one. Thanks for reading

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did you not read the post above yours?

please start a new thread

this one is for advising rkelly

 

thread now closed as it keeps getting bumped.

 

little tip NEVER use resolver for PPI reclaiming its USELESS

see the fca PPI website link.

 

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

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Thread Locked

because no one has posted on it for the last 1965 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

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