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    • Hi.   Could you let us have the information requested in the forum sticky please? This will help us to advise you. In the meantime don't worry too much about this.     HB  
    • So last August my girlfriend went to Legoland with the kids (4 & 8) and her mum and then went to Pizza Express in Windsor. They parked at Castle Car Park.    They paid to park and went to eat. They were then a few minutes late back. There was already an attendant issuing a ticket. The attendant then waited until my girlfriend was over ten minutes late to issue the ticket despite her being there well within any grace period.   My girlfriend appealed to Ultimate Customer Solutions end of August but did not receive a response (they later said they emailed a rejection which my girlfriend never received until it was resent). Then in August she received the first debt collection letter. Then my girlfriend was advised to respond to UCS requesting an Subject Access Request (SAR) which they have not ever acknowledged or responded to.    So then we thought they had gone away until we received a letter from CSB solicitors (same address as UCS) advising they would be beginning court proceedings against my girlfriend. I told my girlfriend to complain that they haven't responded to any of our requests so she called the number of UCS and was basically accused of being rude to the t*** at the end of the phone. She wasn't but he wasn't very helpful and said they had responded to the appeal and sent it again. This was on the 16th January 2020.    On the 29th Jan this was sent after another chase to the solicitors:   I have reported UK Parkings ltd to the ICO as they are in beach of GDPR having ignored my SAR request. Further to this I was not notified that my initial appeal had been rejected and therefore cannot further appeal in a standard way and therefore I am awaiting further advice for ways to appeal against this unfair PCN.   As it stands should you decide to further contact me in regards to this matter without good cause I shall be seeking legal advice as per my statutory rights.   My girlfriend then received another letter from UCS threatening debt collectors (I told her not to worry about this) and so she wrote to the solicitors asking for an update:   Email dated 21/02/2020 I am writing to you regarding my email sent on 29th January, below. I still have not received a response from you and I left a voicemail for a solicitor to call me from CSB Solicitors, which I have also not received. I would like to speak to a solicitor regarding this PCN.   The solicitor responded via email the following: Dear Madam,   Thank you for your email.   Following your email below, we reverted this matter back to our Client for their instructions. We will only be able to respond more fully once these are received.   At this stage we have no further instructions other than to send out a letter to you dated 16 January 2020.   We hope to be able to respond more fully once these are received.   Yours faithfully,   Solicitor   So UCS are not actually doing anything they should do but nobody we have complained to has actually come back to us so not sure where to take this because I don't have time for court and I would rather just have someone take the (insert appropriate word here) to task on these unbelievably poor practices!   Any advice on next steps?   Thanks    
    • Hi Sneezer and thanks for your Site Donation which is much needed and much appreciated.   The info from the "Solicitor" makes sense if you were complaining about how CRS came to have your contact details. However, this is not relevant to your case. You didn't cancel properly and carried on paying for a gym you didn't use.   For the future, see the Guide here about how to cancel a contract properly and avoid trouble - https://www.consumeractiongroup.co.uk/topic/383678-cancelling-your-gym-agreement-get-it-right/     Come back anytime to update us but don't worry about CRS or anyone else who makes demands. Let us know if you need more for advice and reassurance.    
    • They were communicating with lawyers associated to me too   They can’t serve a SD on your lawyers, only you.   As I said earlier - the lawyer stopped communicating  around the date on the SD they incorrectly served.  And the bank told me the receiver was now handling things and not to deal with them anymore.   The receiver never asked me where I was.  But he did email and I did reply or he did get auto reply.   Since I did have email communication with them - I don't think they could say they did everything possible to find me,  All they had to do was ask!  And then we could have discussed the situation.    It almost is the reverse - they did nothing to try find me.  And if a PI is employed to do surveillance then he must have realised only one person - the wrong one - lived at the  wrong address.   Does anyone have any info re post #26 and #28 above?   The property is being marketed for sale and the receiver is negotiating offers, so there was no reason for me to expect bank/ lawyers to be trying to locate me to serve any papers.      Surely any loss to them has to be proven upon an agreed sale.  It hasn't sold yet,   They may still get a high enough offer to prevent any large debt?  There could then be a different discussion re terms of repayment?   So I was not expecting anyone to be trying to find me!   But this is a bit of a digression from what  should I be doing NOW? Should I send them an SAR?  If they do intend to serve me correctly this would be useful, yes?   I am sure they have added all sorts of unnecessary costs to the debt that could be challenged?   Also there is a question over if they even had a valid notice of assignment?  They would have to produce that in the SAR wouldn't they?   This was a real query for me ages ago but it never got pursued legally.
    • Expect them to bring up every communication and claim that you’ve been dodging them / not providing them with an address to serve to.......
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jon8214

Welcome Finance PPI Claim FSCS

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Hi,

I applied for PPI from WFSL through the FSCS in November

 

just received their decision letter saying that yes they owe me PPI but because I owe WFSL an amount on another loan they will offset it.

 

WFSL have sold this account to PRA group for collection and it is also statute barred.

 

I have read on various threads that apparently the FOS has said that if a debt has been sold that the compensation cannot be used to offset the debt,

 

I have looked at the links in the threads but none of them take me to the relevant info and I cant find anything about it on the FOS website,

 

can anyone point me in the direction of where it states this on the FOS website

as I want to get all the information I can before I raise a complaint to the FSCS.

 

Thanks

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Thanks Ford that was exactly what I was looking for, now to raise my complaint with the FSCS. Thanks again

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If it’s welcome you won’t have nothing back cos of the scheme of arrangement they’ve entered into.

FSCS automatically offset.

 

My advice is chase to see if the purchasers have had the money.

 

In my case the purchasers reckon they didn’t have it and were chasing higher than owed.

 

I had already had it in writing last jan it would offset

 

yet money went Walkies for almost 6 months.

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but surely because of welcome not owning the debt anymore they cannot offset it legally? If the FSCS don't uphold my complaint can I take it to the FOS?

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sadly not so with welcome.

 

the FSCS took on the welcome stuff and that's part of the waiver they signed up too.

 

now I would suspect that this 'other debt' IS linked to the one that they are refunding PPI from

so they can offset the 90%..

 

you need to tell us far more about your history with them please

 

dx


please don't hit Quote...just type we know what we said earlier..

 

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Been there done that. All hands are tied. If you want to look at my thread feel free. Lots of stuff happened with me that’s probably not relevant to your case.

 

But sadly the only chance you have of getting money back from Welcome is pre 2005 ish.

 

Anything after it offsets.

 

Wait for dx he’s like a dog with a bone with Welcome

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DX

 

I took out a loan with welcome in 2007 with PPI

(I was unaware of the PPI at the time) on it

 

once that was fully paid off

I took another one out with them under a different agreement number without PPI.

 

The second one is the one I fell into arrears with and it was subsequently sold on to PRA group.

 

I have had a few letters from PRA

 

I have sent them the Stat Barred letter and have had no further contact from them reference it apart from an annual statement.

 

If you need any other info please give me a shout.

 

Cheers

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so not a chain

and ideally should NOT be offset because welcome have already poss reclaimed the tax and poss been repaid via their insurance scheme.

 

but that all might not have happened.

 

reply with a POLITE but very brief letter to the FSCS asking the question

: that as the debt has been sold

:was not part of any chain of loans, i'e the refunded PPI was NOT directly related to the sold loan to PRA

:how can they offset your PPI refund as they [welcome] no longer hold the rights toward it to do so.


please don't hit Quote...just type we know what we said earlier..

 

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Thanks DX

I am going to send the following to the FSCS

 

Dear Sir/Madam,

 

Thank you for your decision letter but I wish to contest the decision to offset my PPI against an unconnected outstanding balance.

 

I am aware that Welcome Finance has sold this debt to PRA Group.

 

The Financial Ombudsman Service has stated that in cases where the debt has been sold to a Debt Collection Agency then the monies owed cannot be used to offset the outstanding amount.

 

In light of this I request that the monies stated in your decision letter be paid to myself.

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nope write what I said.

 

don't contest it

 

dx


please don't hit Quote...just type we know what we said earlier..

 

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Thanks Dx

 

Have amend and emailed to FSCS

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but surely because of welcome not owning the debt anymore they cannot offset

thats what i was thinking, seeing what the fscs q&a says about offsetting 'amounts of compensation payable will be first set off against any outstanding loan balances you may owe to WFSL'

but then there is the fos saying 'That is because the consumer does not owe the business money – it owes money to the third party that bought the debt instead' ie nothing outstanding to wfsl as such. the fos says it wld then go to the business, but in wfsl the business no longer exists so it is with the fscs to deal with?

but i don't know, the guys have the experience on it. :)


IMO

:-):rant:

 

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Ford, Welcome still do exist but the scheme under the FSCS means that they can no longer provide new loans

 

They can and still do continue to receive payments for existing customers

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Ford, Welcome still do exist but the scheme under the FSCS means that they can no longer provide new loans

 

They can and still do continue to receive payments for existing customers

:thumb:


IMO

:-):rant:

 

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Thanks Dx

 

Have amend and emailed to FSCS

 

Send a letter too. They were useless responding to my emails

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well as a final update to this I got a reply from the FSCS saying that because of the waiver that welcome got the money goes to the DCA, but the account has been closed by PRA and I won't hear from them or anyone again and I have that in writing

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A good win then

 

Dx


please don't hit Quote...just type we know what we said earlier..

 

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