Jump to content


  • Tweets

  • Posts

    • What do you guys think the chances are for her?   She followed the law, they didnt, then they engage in deception, would the judge take kindly to being lied to by these clowns? If we have a case then we should proceed and not allow these blatant dishonest cheaters to succeed 
    • I have looked at the car park and it is quite clearly marked that it is  pay to park  and advising that there are cameras installed so kind of difficult to dispute that. On the other hand it doesn't appear to state at the entrance what the charge is for breaching their rules. However they do have a load of writing in the two notices under the entrance sign which it would help if you could photograph legible copies of them. Also legible photos of the signs inside the car park as well as legible photos of the payment signs. I say legible because the wording of their signs is very important as to whether they have formed a contract with motorists. For example the entrance sign itself doe not offer a contract because it states the T&Cs are inside the car park. But the the two signs below may change that situation which is why we would like to see them. I have looked at their Notice to Keeper which is pretty close to what it should say apart from one item. Under the Protection of Freedoms Act 2012 Schedule 4 Section 9 [2]a] the PCN should specify the period of parking. It doesn't. It does show the ANPR times but that includes driving from the entrance to the parking spot and then from the parking place to the exit. I know that this is a small car park but the Act is quite clear that the parking period must be specified. That failure means that the keeper is no longer responsible for the charge, only the driver is now liable to pay. Should this ever go to Court , Judges do not accept that the driver and the keeper are the same person so ECP will have their work cut out deciding who was driving. As long as they do not know, it will be difficult for them to win in Court which is one reason why we advise not to appeal since the appeal can lead to them finding out at times that the driver  and the keeper were the same person. You will get loads of threats from ECP and their sixth rate debt collectors and solicitors. They will also keep quoting ever higher amounts owed. Do not worry, the maximum. they can charge is the amount on the sign. Anything over that is unlawful. You can safely ignore the drivel from the Drips but come back to us should you receive a Letter of Claim. That will be the Snotty letter time.
    • please stop using @username - sends unnecessary alerts to people. everyone that's posted on your thread inc you gets an automatic email alert when someone else posts.  
    • he Fraser group own Robin park in Wigan. The CEO's email  is  [email protected]
    • Yes, it was, but in practice we've found time after time that judges will not rule against PPCs solely on the lack of PP.  They should - but they don't.  We include illegal signage in WSs, but more as a tactic to show the PPC up as spvis rather than in the hope that the judge will act on that one point alone. But sue them for what?  They haven't really done much apart from sending you stupid letters. Breach of GDPR?  It could be argued they knew you had Supremacy of Contact but it's a a long shot. Trespass to your vehicle?  I know someone on the Parking Prankster blog did that but it's one case out of thousands. Surely best to defy them and put the onus on them to sue you.  Make them carry the risk.  And if they finally do - smash them. If you want, I suppose you could have a laugh at the MA's expense.  Tell them about the criminality they have endorsed and give them 24 hours to have your tickets cancelled and have the signs removed - otherwise you will contact the council to start enforcement for breach of planning permission.
  • Recommended Topics

  • Our picks

    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 161 replies
    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
        • Like
  • Recommended Topics

Welcome Finance/Coast Finance Loan


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 535 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

1st one not sure what those are

 

2nd one is ok

BUT

 

i think you'll find the ones in the hundreds is simple reversal of your bounced previous payment, not a fee.

look at the balance tally column.

if the balance doesnt go up by a fee its not a fee. its a failed payment reversal.

 

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... 

Link to post
Share on other sites

  • Replies 95
  • Created
  • Last Reply

Top Posters In This Topic

Top Posters In This Topic

light bulb moment here

 

you went back to welcome and refinanced

 

you've put 2 agreements up.

Loan Agreement 28-05-06 £67902 .pdf loan agreement 12-08-05 £26043.60.pdf

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... 

Link to post
Share on other sites

Hi dx

Please see attached statement.

You already have the rest of the statements.

See the statement says £15k is MAV (Migrated Loan Advance) ...Its a long time ago but I don't remember asking for that amount of £15k

 

I am missing statements that lead up to the £15k Shall I ask Ombudsman to request them or shall I go direct to Target Servicing Limited? 

 

You can see from the agreement that the amounts entered on the upside down forms and are hazy looking. Its my signature alright, taken from where? don't have a clue! They must have called me in to sign something.

 

£7510 yes, I remember. Now where has this amount gone? Its probably joined to make up £15k

 

The figures of £26043.60 and 67902 are confusing me now.. I don't see them anywhere in the agreement forms! When I uploaded the files, they showed up these amounts. Please help dx.

 

statements.pdf

Link to post
Share on other sites

To me this looks like you are a typical welcome customer, you got an initial loan, got into difficulties, told/phoned welcome and as with many you found out years down the line a member of the welcome staff filled out a refinance form and fakes your sig.

 

There are 100's of like stories here.

 

If you did, then the ppi reclaim is far more complex and a fae greater sun, most def more than what you owe now.

 

Cant hurt to send target an sar, specifically mention the two agreement numbers you have.

 

do it by email and inc a ctax bill copy too for id.

 

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... 

Link to post
Share on other sites

1 hour ago, PapayoohZoom said:

The figures of £26043.60 and 67902 are confusing me now.

 

thats the actual cost of each of those agreement

monthly payment X months of agreement.

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... 

Link to post
Share on other sites

Light bulbs moments indeed.!!

Thank you so much dx

I am going to do just that, first thing tomorrow..

Write to them and highlight the two agreements nos. on(SAR)

I will keep you posted.

 

Thank you also about making sense of the above figures. The figures of £26043.60 and 67902

.

All the best

pzoom

Link to post
Share on other sites

  • 2 weeks later...

Hi dx

Please see Target's reply.

  • They are saying that they took over from Welcome part of the debt which is from 2006 and not info from 2005.(the same debt)
  • Is that possible? to take over part of the debt. I didn't think so.
  • They are confusing me now as it is the same debt but using different account numbers as the debt MIGRATED.

    The balance of £15 000 is a MIGRATED LOAN ADVANCE.

    But I am confused because its the same debt which was transferred from 2005 to 2006. AS MIGRATED LOAN ADVANCE.

  • They admit that they cannot find the missing pages.
  • According to Consumer Credit Act 77 I believe that if the creditor has not got enough information the creditor is not entitled to enforce the agreement.

I stand correction.

How must I reply to them dx please help?

 

 

 

 

 

Emails.pdf

Link to post
Share on other sites

bottom line is you need the info

you need all the statement from the 1st loan

and all the statements from the 2nd line.

 

dont get hoodwinked the FSCS are anything to do with this.

they are not

PPU reclaiming got stopped in a think 2019

but your game is to prove the balance is 99% penalty fees and all their various insurances inc MIP.

 

that way you can go in and make a very low F&F to get the charge removed.

 

there is nothing better than reading the cruz thread some more.

 

not sure on their present situation but i bet its stlll not paid because of all the fakery welcome did on forging refinance loan agreements.

 

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... 

Link to post
Share on other sites

  • 3 weeks later...

Hi dx

I am reading Cruz' thread at the moment still on page 8. I am a slow reader.

 

By the way what is F&F so that I can make a start working on it.

 

Were you happy with the figures I provided? If not could you please correct them for me so that I can pass them to Target.

Link to post
Share on other sites

Full & Final.

 

what figures? you cant pass anything to target without the full facts of how much of the phantom debt is welcomes insurances/charges you dont ever owe.

you cant hope to ever resolve this properly without every statement and a solid case

 

 

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... 

Link to post
Share on other sites

Hi dx

I sent the figures over to you on the 24th of June

 

Exactly,.,,, that is what I would like to do. Just like Cruz.

 

I would like to bring forth my strong reasons to this case with figures attached.

 

Please have a look at  the figures and direct me how to move forward.

I would be grateful if you would work out the figures to look the same as Cruz ie showing the ppi, life cover, charges, etc. I don't owe.

 

Thank you for F&F meaning.

 

Link to post
Share on other sites

On the 12/08/2005 you took out a 10yr secured cash loan for £7510.00 
                            PPI+1st person lifecare (£175)                           £2068.63
                             Acceptance fee                                                       £235.00 (flat no int)    
                             Mortgage Indemnity Fee                                       £826.10 (flat no Int)
                                                                                           Total      £10,639.73


Int Rate 27.90%
int charged £15,403.82
loan duration 10yrs
total to repay £217.03x120=£26,043

 

On 25/08/2006 you refinanced and took out 25yr secured cash loan for £15,000.00    
                                                                                 PPI+lifecare 24                       £2436.39
                                                                                Acceptance fee                          £235.00                       
                                                                                                                      total  £17,436.39

int rate 16.30%
Int Charged £50,230.78
total to repay 300x£226.34=£67,902

..........................

 

 

the statements for loan 2 show they carried over from loan 1:
Cash £15,000
PPI £2,256.39
1st person life £180
Acceptance fee £235

acceptance fees cant have int added to them.

 

 

you now have 
2 life policies running each having monthly int added too them.
2 PPI policies running each having monthly int added too them.

 

enough for now 
you got had 


a £7510 loan in 2005 turned into a £67,902 secured debt.

statements.pdf

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... 

Link to post
Share on other sites

but what ive said no nothing new and has been obvious information from the threads start .

 

dont go firing of anything to anyone till you have all the info.

im 24/7 daylight hours sheep herding 

 

 

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... 

Link to post
Share on other sites

No it doesn't

I said wait.

Ive not finished.

 

How do you justify removing the charge, as i doubt you understand the true implications of what i posted above as you haven't so far.

 

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... 

Link to post
Share on other sites

  • 2 weeks later...

click donate

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... 

Link to post
Share on other sites

:yo: many thanks for your support  PapayoohZoom

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

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

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

Link to post
Share on other sites

It's not a letter it's the spreadsheets filed out properly for both loans. 

 

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... 

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...