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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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craigten

Welcome: 'Don't have a valid PPI complaint'?

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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.

PDF here

 

In 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 esponsibility 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 naive question of - are they correct re any claim being out of scope?

 

Sorry for being confused.

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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..

 

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Okay, thank you. Yes, please take a look at the PDFs, they aren't the whole thing, just the relevant screenshots....

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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..

 

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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?

 


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

 

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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..

 

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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..

 

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Again, please forgive my niavity 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..

 

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God they were swines!!!!!!

(thank you!)

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A question, if I may; when I claim for the £236.03, will I be claiming the 8% interest?

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already answered in post 7


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

 

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I can’t get my slow head around that 😒

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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


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Thank you so much. 

Is there a reason I can’t claim back the other add-ons?

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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..

 

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I’m useless.

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Request for reimbursement then 7 day LBA?

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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..

 

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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..

 

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2 minutes ago, dx100uk said:

well that's of your doing..

 

?? Family issues - Not of my doing.

Edited by craigten

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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..

 

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