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    • 2nd class stamp only , get free proof of posting from any PO counter dx  
    • Hi,  It has been a long time but I have had confirmation claim will proceed to hearing in roughly 1 months time.  I was wondering if anyone could advise on defence please.  A few questions I have are: 1) I didn't notify VCS that I was not the driver of the vehicle and the judge may look negatively on this point.  I did not receive any direction in correspondence from VCS  that I should inform them if I was not the driver and that was going to be the foundation for may argument on this point. 2) The vehicle is stopped at a zebra crossing.  Based on the images from VCS for around 10 seconds.  At that time there is someone standing near the zebra crossing and someone else enters my vehicle.  I was going to raise the point that stopping at a zebra crossing when someone is standing near it is to be expected.  I was also going to ask the question how you can have a no stopping zone when there are zebra crossings where the driver is required to stop. 3) The no stopping zone is clearly signposted, however, no drop off or pickup is not clearly signposted with one small sign at the zebra crossing, parallel to the road and on the passengers side.  I was going to challenge that no-drop off or pickup is clearly signposted.  4) VCS mentioned my initial defence was generic and clearly copied from the internet.  It covered 1) Claimant not being in a position to state if the Defendant was the driver at the time.  2) No evidence that claimant's contract with landowner supersedes byelaws & signage isn't legally binding contract. 3) No contractual costs and interest cannot be accrued on speculative charge. I am interested to know if anyone has had success or been unsuccessful with this 'generic' defence. 5) If I should submit an updated defence to the court based on questions 1, 2 & 3.  Or if it is better to only raise these points in court? Thanks.  Any guidance would be appreciated  
    • I honestly don't know, Baz. In addition what I don't  understand (from that pamphlet) is this: The s88 criteria are quite clear and don't need a medical professional to interpret them . The one most relevant to his topic says that an application is not a "qualifying application" if a relevant disability has been declared. The problem with the word "may" is how does the applicant establish whether me "may" driver under s88 when he has not complied with its conditions? I don't know the answer to that either. But to further muddy the waters, the pamphlet says this (about : But the s88 statute says absolutely nothing like that at all. It simply says that if you have declared a relevant disability s88 does not apply. The DVLA pamphlet is simply confusing as far as I can see. That's actually my opinion and that's what I would stick to if it was me making the application. But I'll seek a few opinions from others over the next couple of days.
    • Perfect. Thanks so much. I’ll get these printed and posted tomorrow 
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Welcome Finance/ Prime credit 5 secured loan early settlement query


saltpot2363
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Hi

Took out a Welcome Finance secured loan in November 2007 for £20k

I have no defaults, pay £386.53 a month.

 

 

My partner is about to be made redundant and was wondering about offering an early settlement figure.

This is now under Prime Credit 5 since the demise of Welcome Finance.

 

I know in my last statement in 2016 the remaining balance was £19719

it has been repaid in theory several times over with their extortionate charges.

 

Is it worth pursuing early settlement for this with partner being made redundant?

 

Thank you

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Wait so you have paid approx £46k over 10 years and you have only actually paid £281 off the actual loan amount ?

 

Would get a SAR sent off to get detailed statement etc to see if you can start reclaiming any unjust fees etc.

  • Haha 1
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you need to sar welcome finance

 

 

I wondered when another of the 38 people we know it happened too would come here

long read but

http://www.consumeractiongroup.co.uk/forum/showthread.php?467097-Welcome-secured-loans-charge-sold-to-Alpha-Prime-repo-received-bal-all-penalties-PPI-MIF-LIFE-PPI-or-IR-help

I think you'll find this a rather eye opener.

 

 

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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hows this going I have some info for you but i'm not sure if you are still with us you've not replied

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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Sorry been visiting daughter who was taken into hospital. I did however manage to read most of the thread and others ones to do with Welcome. I found a sar template on the site and sent that off yesterday so guess it's a waiting game now with them having 40 days to respond

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ah hello

I'll send you a PM 5 mins

 

 

dx site team

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

the answer is no cruz

 

 

await the sar

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

  • 2 months later...

I too have a situ whereby I have asked for an early settlement figure with WF.

 

I took out a secured loan back in 2007, I asked for a SAR approx 3 years ago and there seemed to be the odd 10 pound charge for calls and other spurious late payment charges but limited PPI - well maybe actually there was approx 6 months of PPI.

 

I took out a loan approx for 20k. I have been paying it for 10 years but lowered my monthly payments so that i was only oaying the interest.

 

Anyhow, I have just called for a settlement figure and they are stating it is circa 4 to 5k.

 

My loan was with Welcome and my charge on my house is still present.

 

I am now being asked to sign a form stating that i will not pursue them for PPI if I clear this debt.

 

Adice pls...thanks

 

Andy

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Might be best if you go update your own thread here

https://www.consumeractiongroup.co.uk/forum/showthread.php?156743-Welcome-Finance-Secured-loan-house

Then we won't hijack this users one..

 

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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