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    • Northmonk forget what I said about your Notice to Hirer being the best I have seen . Though it  still may be  it is not good enough to comply with PoFA. Before looking at the NTH, we can look at the original Notice to Keeper. That is not compliant. First the period of parking as sated on their PCN is not actually the period of parking but a misstatement  since it is only the arrival and departure times of your vehicle. The parking period  is exactly that -ie the time youwere actually parked in a parking spot.  If you have to drive around to find a place to park the act of driving means that you couldn't have been parked at the same time. Likewise when you left the parking place and drove to the exit that could not be describes as parking either. So the first fail is  failing to specify the parking period. Section9 [2][a] In S9[2][f] the Act states  (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 fails to mention the words in parentheses despite Section 9 [2]starting by saying "The notice must—..." As the Notice to Keeper fails to comply with the Act,  it follows that the Notice to Hirer cannot be pursued as they couldn't get the NTH compliant. Even if the the NTH was adjudged  as not  being affected by the non compliance of the NTK, the Notice to Hirer is itself not compliant with the Act. Once again the PCN fails to get the parking period correct. That alone is enough to have the claim dismissed as the PCN fails to comply with PoFA. Second S14 [5] states " (5)The notice to Hirer must— (a)inform the hirer that by virtue of this paragraph any unpaid parking charges (being parking charges specified in the notice to keeper) may be recovered from the hirer; ON their NTH , NPE claim "The driver of the above vehicle is liable ........" when the driver is not liable at all, only the hirer is liable. The driver and the hirer may be different people, but with a NTH, only the hirer is liable so to demand the driver pay the charge  fails to comply with PoFA and so the NPE claim must fail. I seem to remember that you have confirmed you received a copy of the original PCN sent to  the Hire company plus copies of the contract you have with the Hire company and the agreement that you are responsible for breaches of the Law etc. If not then you can add those fails too.
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    • I understand what you mean. But consider that part of the problem, and the frustration of those trying to help, is the way that questions are asked without context and without straight facts. A lot of effort was wasted discussing as a consumer issue before it was mentioned that the property was BTL. I don't think we have your history with this property. Were you the freehold owner prior to this split? Did you buy the leasehold of one half? From a family member? How was that funded (earlier loan?). How long ago was it split? Have either of the leasehold halves changed hands since? I'm wondering if the split and the leashold/freehold arrangements were set up in a way that was OK when everyone was everyone was connected. But a way that makes the leasehold virtually unsaleable to an unrelated party.
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Progressive/welcome/now coast secured Loan


ELLIE2000
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I have read many cases on progressive/welcome now coast and I understand I am not on my own with problems with these companies ,but I thought I would come on here and see if anybody has got anywhere trying to sort their debt out.

 

We took out a secured loan with welcome in feb 2005.

 

Cutting a long story short we have had a lot of problems with them and I have disputed the loan many times. I asked them for the original loan agreement and they sent me a credit agreement which I could hardly read but this was dated 2008. 

 

I understand now that they have gone bust and now coast have this debt. I have looked at my land registry and progressive put the charge on in 2005 and now the deed of variation mentions coast but also it says it’s in favour of progressive so I have no idea who has the charge on the property.

 

Coast do send me annual statements but that’s it and I haven’t paid anything on this loan for a long time as welcome never provided me information to try and resolve it.

 

We are wanting to move house but obviously can’t while this charge is on the property so we need to find somebody who has some expertise in this subject.

 

Sorry if some of this doesn’t make sense.

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  • dx100uk changed the title to Progressive/welcome/now coast secured Loan

oh we have experiance...ruddy fleecers everyone of them from day one when you got conned by Welcome.

 

have you sent welcome and coast a SAR each to get everything each hold on you? as i suspect reading between the lines and how welcome worked that the CCA return from 2008 is an agreement you never even knew about and was as a result of you having financial issues around that time and the luverly welcome staff faked your signature on a re-finance agreement...???

 

so we need a lot more history of what happened to you and welcome since day one inc what complaints you made.

 

how much is outstanding too please...as i bet 99.9% of it is simply all the insurance/PPI/MPPI etc + their interest to date welcome made you take out that you probably know nothing about nor agreed too..but thats welcome!! and the actual priciple figure was cleared decades ago.

 

joint or single loan too please.

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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I haven’t sent them a sar as I have most of the original documents myself, I just wanted welcome to send me the original credit document they had and they sent me the photocopy dated 2008 which isn’t what I asked for.

 

The amount they are asking for is £22883.21 and also it’s a joint loan.

 

I have the original credit agreement which is dated 28th feb 2005 and also the one they sent me 2008 of which you can hardly read.

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got all the statements from day one? if not get both SAr's running .they are free now so no harm.

i would be getting everything you can from both players.

 

how big was the org loan?

why have you a sep 2008 agreement, was there a refinance at anytime. 

 

if you wish scan both upto one multipage PDF 

read our upload guide carefully.

 

use our search top right of the red banner for Coast

and get reading up. too here on CAG particularly the cruz thread

 

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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The original loan was for £15000.

 

I have to be honest I don’t know where the 2008 one has come from my memory doesn’t serve me right with that one.

 

All I remember was that they rushed us in the office to do something but we didn’t lend anymore money off them. Sorry I know that doesn’t help you.

 

I will upload the 2 credit agreements. The credit agreement they sent me which is the 2008 one is really hard to read.

 

These are the original 2005 credit agreements and the 2008 documents are photocopies which welcome sent me.

 

What is strange as well though is that on the 2005 credit agreement there wasn’t an account number But on the 2008 one there is. Don’t know if there is any significance to that.

 

 

2005 and 2008 documents with land registry.pdf

 

I have reposted the documents 

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Oh dear they had you on everything they could insurance wise including PPI, theres MIF there too which ofcourse this is not a mortgage so...

You dont owe a thing they owe you.

 

And they made you refinance too..totally had blind.

 

Your situation looks very much the same as cruz 

 

Rock and a hard place you are in..further compounded by the fact you have a swift mortgage too still? They are just as bad.

 

 

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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I'm not with swift anymore.

 

Does this mean that there isn’t much I can do other than pay them to have the charge removed????

The last paragraph on the land registry confuses me as I don’t actually know who the charge is with.

 

Sorry for bothering you though, what other insurances other than ppi have they had on me

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looks like you both had life care and there's PPI too on the page 4.

 

as with all ex welcome/progressive finance secured loans sold to coast , Coast did a mass update when they bought each of the  portfolios from welcome to change any charges to their name.

 

use our search in the top red banner type in Coast, you have a lot of catching up to do, particularly regarding the cruz thread, its pages long but will just about tell you everything you need down to the finest detail.

 

you have and i can't be anything but honest and blunt here, stuff and all chance of ever removing that charge unless its paid in full and i doubt you'll ever get the sum needed to do that reduced even though what you most probably owe is £ZERO if everything they scammed you out of was now removed.

 

get those SAR's running ASAP.

the comms log will be priceless to a possible claim.

 

 

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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