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    • The Notice to Hirer does not comply with the protection of Freedoms Act 2012 Schedule  4 . This is before I ask if Europarks have sent you a copy of the PCN they sent to Arval along with a copy of the hire agreement et. if they haven't done that either you are totally in the clear and have nothing to worry about and nothing to pay. The PCN they have sent you is supposed to be paid by you according to the Act within 21 days. The chucklebuts have stated 28 days which is the time that motorists have to pay. Such a basic and simple thing . The Act came out in 2012 and still they cannot get it right which is very good news for you. Sadly there is no point in telling them- they won't accept it because they lose their chance to make any money out of you. they are hoping that by writing to you demanding money plus sending in their  unregulated debt collectors and sixth rate solicitors that you might be so frightened as to pay them money so that you can sleep at night. Don't be surprised if some of their letters are done in coloured crayons-that's the sort of  level of people you will be dealing with. Makes great bedding for the rabbits though. Euro tend not to be that litigious but while you can safely ignore the debt collectors just keep an eye out for a possible Letter of Claim. They are pretty rare but musn't be ignored. Let us know so that you can send a suitably snotty letter to them showing that you are not afraid of them and are happy to go to Court as you like winning.  
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    • My defence was standard no paperwork:   1.The Defendant contends that the particulars of claim are generic in nature. The Defendant accordingly sets out its case below and relies on CPR r 16.5 (3) in relation to any particular allegation to which a specific response has not been made. 2. Paragraph 1 is noted. The Defendant has had a contractual relationship with MBNA Limited in the past. The Defendant does not recognise the reference number provided by the claimant within its particulars and has sought verification from the claimant who is yet to comply with requests for further information. 3. Paragraph 2 is denied. The Defendant maintains that a default notice was never received. The Claimant is put to strict proof to that a default notice was issued by MBNA Limited and received by the Defendant. 4. Paragraph 3 is denied. The Defendant is unaware of any legal assignment or Notice of Assignment allegedly served from either the Claimant or MBNA Limited. 5. On the 02/01/2023 the Defendant requested information pertaining to this claim by way of a CCA 1974 Section 78 request. The claimant is yet to respond to this request. On the 19/05/2023 a CPR 31.14 request was sent to Kearns who is yet to respond. To date, 02/06/2023, no documentation has been received. The claimant remains in default of my section 78 request. 6. It is therefore denied with regards to the Defendant owing any monies to the Claimant, the Claimant has failed to provide any evidence of proof of assignment being sent/ agreement/ balance/ breach or termination requested by CPR 31.14, therefore the Claimant is put to strict proof to: (a) show how the Defendant entered into an agreement; and (b) show and evidence the nature of breach and service of a default notice pursuant to Section 87(1) CCA1974 (c) show how the claimant has reached the amount claimed for; and (d) show how the Claimant has the legal right, either under statute or equity to issue a claim; 7. As per Civil Procedure Rule 16.5(4), it is expected that the Claimant prove the allegation that the money is owed. 8. On the alternative, as the Claimant is an assignee of a debt, it is denied that the Claimant has the right to lay a claim due to contraventions of Section 136 of the Law of Property Act and Section 82A of the consumer credit Act 1974. 9. By reasons of the facts and matters set out above, it is denied that the Claimant is entitled to the relief claimed or any relief.
    • Monika the first four pages of the Private parking section have at least 12 of our members who have also been caught out on this scam site. That's around one quarter of all our current complaints. Usually we might expect two current complaints for the same park within 4 pages.  So you are in good company and have done well in appealing to McDonalds in an effort to resolve the matter without having  paid such a bunch of rogues. Most people blindly pay up. Met . Starbucks and McDonalds  are well aware of the situation and seem unwilling to make it easier for motorists to avoid getting caught. For instance, instead of photographing you, if they were honest and wanted you  to continue using their services again, they would have said "Excuse me but if you are going to go to Mc donalds from here, it will cost you £100." But no they kett quiet and are now pursuing you for probably a lot more than £100 now. They also know thst  they cannot charge anything over the amount stated on the car park signs. Their claims for £160 or £170 are unlawful yet so many pay that to avoid going to Court. When the truth is that Met are unlikely to take them to Court since they know they will lose. The PCNs are issued on airport land which is covered by Byelaws so only the driver can be pursued, not the keeper. But they keep writing to you as they do not know who was driving unless you gave it away when you appealed. Even if they know you were driving they should still lose in Court for several reasons. The reason we ask you to fill out our questionnaire is to help you if MET do decide to take you to Court in the end. Each member who visited the park may well have different experiences while there which can help when filling out a Witness statement [we will help you with that if it comes to it.] if you have thrown away the original PCN  and other paperwork you obviously haven't got a jerbil or a guinea pig as their paper makes great litter boxes for them.🙂 You can send an SAR to them to get all the information Met have on you to date. Though if you have been to several sites already, you may have done that by now. In the meantime, you will be being bombarded by illiterate debt collectors and sixth rate solicitors all threatening you with ever increasing amounts as well as being hung drawn and quartered. Their letters can all be safely ignored. On the odd chance that you may get a Letter of Claim from them just come back to us and we will get you to send a snotty letter back to them so that they know you are not happy, don't care a fig for their threats and will see them off in Court if they finally have the guts to carry on. If you do have the original PCN could you please post it up, carefully removing your name. address and car registration number but including dates and times. If not just click on the SAR to take you to the form to send to Met.
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Welcome: 'i Don't have a valid PPI complaint'?


craigten
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Good evening all.

A few weeks ago I remembered that 22 years ago I used Welcome Finance to buy a car.

I thought I remembered being cheesed off at the time with them adding some extras on but couldn't be sure.

I sent them a SAR and, unbelievable, they responded with my data (although actually just two PDFs, one with their privacy notice and one showing my old account.

However, I must admit that I don't seem to be able to understand it properly.

In the below PDF it shows that there were 'extras' (Insurance default, Old mechanical breakdown, collision call and Old shortfall / Gap insurance) added but it says in one page of the PDF that they were started 10/05/1998, ended at different dates but then shows 'cancel date' was 2/06/1998 - less than a month after they were added.

However, you will see on the second page, showing the account, that on 19/5/1998 'Insurance Premiums Advanced' of £236.03 were added as well as 'Disbursal of fees' of £55.

the second PDF they sent, it states:

Terminology Appendix

Please be aware that for the outcomes listed below, you don’t have a valid PPI complaint against

Welcome Finance.

Non-regulated - Pre June 2000 Sales

This policy was purchased prior to Welcome Finance’s voluntary membership of the General

Insurance Standards Council (GISC) which began on 27th February 2003.

The (then) Financial Services Authority agreed that any non-regulated insurance sales (that is, those sold prior to Welcome Finance’s membership of GISC) are the responsibility of the insurance underwriter.

Due to the date on which this policy was purchased, the PPI mis-sale complaint must be referred to the underwriters of the insurance for it to be considered.

Unfortunately Welcome Finance does not hold records of underwriter agreements prior to June 2000 due to the time and as such we are unable to confirm the details or provide information about the underwriter of the policy.

When selling insurance policies, Welcome Finance was acting as an agent of the insurance underwriter under a signed contract.

The earliest contract signed by Welcome Finance and an insurance underwriter of which we have retained a copy is dated June 2000.

In terms a complaint for PPI mis-sale, as the insurance underwriter does not seem to have had a written contract with Welcome Finance, it considers itself to be outside of any regulatory liability obligations.

Although PPI-mis sale is the responsibility of the insurance underwriter and not the lender, any complaint pertaining to an unfair relationship due to the sale of PPI is the responsibility of the lender and as such, WFS will consider any such complaint where valid.

Out of Scope - Date Range

As you did not have an account open as of 6th April 2008, you cannot complain about an unfair relationship due to undisclosed commissions in line with the Financial Conduct Authority Policy Statement PS17/3, issued in March 2017.

Please can I ask for some advice on my perhaps naïve question of - are they correct re any claim being out of scope?

Sorry for being confused.

converted (1).pdf

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any possible PPI claim will be against the underwriters, who would have been regulated at the time. in most cases [check up] they were [eventually] aviva I believe. there would be no time limit.

 

welcome are then talking about the situation regarding a PLEVIN reclaim of unfair undisclosed commission they got paid by the underwriters for selling their product..this is why they are relating to the time limit, which does apply.

 

i'll read the letters later.

but the bottom line without the at least full agreement or statements , theres very little chance of reclaiming the PPI itself 

but the thinks they list, would all be classed as PPI regardless of the various 'names' they use to sc@m people out of money inc GAP which WAS ppi too.

 

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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only one Page...??

can you please not use a hosting site

put everything in one multipage pdf and attach it here by drop n drag in the bottom of every msg box .....choose files

 

though if there is an outstanding balance I cant see you getting anything anyway.

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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Apologies, it’s the only way I could see of providing the relevant parts.

I’m unsure how to edit the PDFs they sent me so as to not show the personal details?

 

The balance was / is zero, I just didn’t provide the whole 4 pages.

 

Any ideas as to how to redact the personal info from a PDF?

 

Here you go, all the relevant parts with my details removed.

Thoughts would be welcomed (not a deliberate joke)...!

 

 

 

 

welcome docs.pdf

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bang shot yourself in the foot

why did you mention PPI in the sar request?

 

looks like you still paid for ppi. {£236.03}

 

unravelling the crap in the letter

it looks like your can make a PPI reclaim directly to welcome

even though they were not GISC regulated, they are saying the underwriters were, but they cant say whom they were, but from other threads here it should be easy to work that out if needs be 

 

so you had a loan of £2269.44 of which 236.03 was PPI

 

so ppi/loan*100=ppi%

 

236.03/2269.44*100=10.4%

 

so anything you paid 10.4% of it was for ppi

so statint sheet time

 

 

 

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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Two things to say;

1. I’m absolutely positive that I sent the standard DSAR template with zero mention of PPI!!!

2. Thank you for this unbelievable help, honestly, I don’t know where I’d be without you guys.

 

Just checked and I sent the standard DSAR template with absolutely no mention of PPI!!!

 

 

Forgive my nativity but doesn’t it say that the PPI, etc was cancelled after one month, but the invoice shows it was added and not cancelled?

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so they owe you

 

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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Again, please forgive my naivety but I'm struggling to work out which is correct - on one page they say they were cancelled but another shows the account and where it was added but then I can't see it taken off? 

I'm just trying to play Devil's advocate here in case it comes to court?

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they charged you for it..no sign of a refund in the statements.

quite typical of welcome of that era to remove all the vehicle related stuff as they were trying to get approval to GISC and that was one of the things spotted by the regulators ...they were to that point making gap/mec/col compulsory.

 

notice also it says insurance default..which means they were still making PPI compulsory and did so in certain geographical areas deeming it a risk area until they eventually got GISC approval when they then too removed the compulsory PPI as GISC said they couldn't do that after arguing for several years about it with the regulators .

 

its all in archive posts here from Postggi. 

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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  • 2 weeks later...

already answered in post 7

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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You claim section 69 interest (8%) on top of your final figure within your court claim...only a court can award 8% on top of the PPI claimed

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

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If you want advice on your Topic please PM me a link to your thread

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they were not charged you..they were clearly removed in the docs you posted up?

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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well get the FOS CQ and the statint int sheet done first along with a covering letter

then they have 8 weeks

you cant just jump to court no.

 

you should know all this already.....

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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Maybe I should...but I have a hell of a lot on my plate, but thanks for the advice.

 

Re ‘should know this already’, I guess it depends on your frame of reference for ‘should’?

It’s been over eight years since I went the court route and have never made any reference to, or been part of a conversation about a ‘statint int sheet’, I don’t even know what one is.

Edited by craigten
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well that's of your doing..

prioritise things that need to get done so you don't miss PPI timelimits.

the rest can wait..

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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aha..i was going by the amount of recent threads...:lol:

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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Quick one,

I know that I have a HSBC PPI issue that I really need to get going on before the deadline (although I am very grateful to you guys on here for advising that I can make a PPI claim before the deadline,

and then continue to gather information, just so long as the claim as been put in). but does the deadline include PPI claims such as this to a 'non-bank', please?

Also, please can I have a hand with how to go about making a statutory interest sheet?

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