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    • more detest the insurrectional ex variety dx
    • Laura, I was surprised that the Director said that you hadn't appealed twice. I thought that the letter you posted on 24th June was the second appeal and that was to the IAS. And they did say that there was no further appeal possible. Could you please explain how many times you appealed. I am going to read your WS now. PS  Yes I meant to say that the keeper did not have a licence therefore it was wrong of them to assume he was the driver and the keeper. Thanks for picking that up.
    • In answer to your questions yes even though it wasn't called that, it was the NTK. Had it been a windscreen ticket you would not have received the NTK until 28 days had elapsed. In earlier times if the warden was present then a windscreen ticket would have been issued. It nows seems that the DVLA and the Courts don't see a problem  with not issuing a ticket when a warden is on site. A period of parking must mean that ther e has to be a start time and a finish time in order for it to be considered a period. A single time does not constitute a period. I am not sure what you mean by saying it could be taken either way.  All they have mentioned is  the incident time which is insufficient. There are times on the photos about one minute apart which do not qualify as the parking period because they are not on the PCN itself. The reason I asked if the were any more photos is that you should be allowed 5 minutes Consideration period for you to read the signs and decide whether you want to accept them and you do that by staying longer than 5 minutes. if  more  do not have photos of your staying there for more than 5 minutes they are stuffed. You cannot say that you left within the 5 minute period if you didn't , but you can ask them, should it get to Court , to provide strict proof that you stayed longer than the statutory time. If they can't do that, case over.
    • I recently bought some trainers from Sports Direct and was unhappy with them and their extortionate delivery and return postage charges. I tweeted about being unhappy, and received a reply from someone claiming to be from Sports Direct asking me to send my order number and email address by pm, so a claim could be raised. Which I (stupidly) did. The account used Sports Direct's name and branding, and a blue tick.  The following day I received a call from "Sports Direct Customer Service", and with a Kenyan number. They asked for details of the issue, and then sent me an email with a request to install an app called Remitly. They provided me with a password to access the app then I saw that it had been setup for me to transfer £100, and I was asked to enter my credit card number so they could "refund" me. I told them I was uncomfortable with this (to say the least), and was just told to ring them back when I did feel comfortable doing it. Ain't never gonna happen.  I just checked my X account, and the account that sent the message asking for my details is gone. I feel like a complete idiot falling for what was a clear scam. But at least I realised before any real damage was done. if you make a complaint about a company on social media, and you get a reply from someone claiming to be from that company and asking for personal details, tread very carefully.   
    • The good news is that their PCN does not comply with the Protection of Freedoms Act 2012  Schedule 4.. First under Section 9 (2)The notice must— (a)specify the vehicle, the relevant land on which it was parked and the period of parking to which the notice relates; (b)inform the keeper that the driver is required to pay parking charges in respect of the specified period of parking and that the parking charges have not been paid in full; The PCN does not specify the parking period. AS you rightly say the ANPR times do not include driving to the parking space and then from there back to the exit. And once you include getting children in and out of cars especially if seat belts are involved the time spent parked can be a fair bit less than the ANPR times but still probably nowhere near the time you spent. But that doesn't matter -it's the fact that they failed to comply. Also they failed to ask the keeper to pay the charge.  Their failure means that they cannot now transfer the charge from the diver to the keeper . Only the driver is now liable. As long as UKPA do not know who was driving it will be difficult for them to win in Court as the Courts do not accept that the driver and the keeper are the same person. Particularly as anyone can drive any car if they have the correct insurance. It might be able to get more reasons to contest the PCN if you could get some photos of the signs. both at the entrance and inside the car park. the photos need to be legible and if there are signs that say different things from others that would also be a help.
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Welcome Finance - This company needs to be banned.


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i see you have been doing your home work stewie

 

 

I like to be informed;)

 

I dont think I posted a single thread regards Welcome for the first month while I gathered my intel on these guys. I do have a court claim against them but its taking a bit longer than I hoped (nothing new for Welcome)

 

Stewie

I need to change my avatar..But cant find a good replacement.

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Hey Guys,

 

13 guests now ... Lucky 13 :lol:

 

 

I just hit "new posts" on the main tab and Welcome finance popped up on 4 of the listings on the first page. I think this is gathering alot of interest and people are finally willing to speak up.

 

There is power in numbers!

 

As for the guests. Ummmm register and let yourself be known!

I need to change my avatar..But cant find a good replacement.

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:D first time I've been rooting for the taxman

 

Postggj, I have some info to pm you tonight, something else HMRC may also want to have a look into, based on a recent case HMRC won against another company and the evidence provided in Welcomes own paperwork and T&C wording ;)

Dipply75

 

I am in no way a legal advisor and only speak from my own experiences and the helpful advice of those in the same boat! :p

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Was just on the MSE forum there, and see that Welcome are still up to their usual tricks.

 

A woman wrote to them asking for her account number/documents; Welcome wrote back saying they'd lost that information, but the best part has to be at the bottom of the letter where they kindly advise her they were going to charge her account £25 for their reply! Utter madness lol

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before our friends in nottingham get ready to go home, think on this

 

all policies have supposed insurance premium tax added, this is to go to the tax man

ok then the cost of the tax is added to the repayments in the agreement,

who should get the interest on the insurance premium tax

welcome or HMRC

 

INTERESTING

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Ok People

 

This Is Important, Just Thought Of Some Thing

 

All Of You Who Know How Much You Paid For The Insurance On The Agreement,

I Need To Know, Has The Insurance Premium Tax been Added Later or Is It Inclusive, Ie, The Same As On The Agreement

 

LOOK IN THE DOCS IN YOUR SAR UNDER IPT

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Maybe someone can adise me on my WF car loan.

I have a nice car, financed by WF in Oct 06, thru Ucan and from Car Craft.

Paying £300 month no probs, on a lower income now so wf said no probs,come in next week as they have agreed to reduce monthly payments to £100 until I get back into permanent work.

They said that it will be a new finance agreement with lower apr. No PPi was taken out.

 

Wondering if I should wait and not sign another agreement with them but after paying £300 omnthly since oct 06 with no probs do not want to lose car or default

 

Oh also I still have not been given the car log book

Direct Auto Finance & DLC dispute ongoing.

Offer with confidentually agreement from DLC / DAF DECLINED :D

Please PM me if you have any cheap rate or 0800 number for DCA's to add to my list and also to my website

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Well LMAO - got home today to a letter from our buddies (hey you 7 still at work? It's jobs day in the Nottingham Evening Post thought you'd have better things to do!)

 

Anyway......I thinkg it's a standard 'we are in receipt of your letter yadda yadda yadda' but it's not quite...............

despite me sending them my letter about the shi*e agreement that because of their behaviour is unenforcable - my letter does not say we are in receipt of your letter...it reads "regarding your complaint made to FOS we write to inform you yadda yadda yadda"

 

So apparently acknowledging a complaint from the person thats been paying them £190 for 2 years without fail doesn't deserve a reply - but hell a kick up the ass letter from the FOS does require a response!

 

LMAO Welcome (and guests) you've got more to worry about than the FOS on your collective asses - and with the extra bit of info and more importantly evidence I'm about to hand over for the file to HMRC & Serious Fraud Squad you really will wish you'd just paid me my PPI back - VERY expensive lesson!

 

Happy job hunting :p

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Just to let you guys know I have managed to get a firm of solicitors who will take on my case against Welcome Finance on a no win no fee basis.

 

There are lots of breaches on the Welcome Finance Agreement and the PPI appears to missold. Looking at the Script does not detail any information which claims to be asked or noted.

 

Total Charge for Credit

Cancellation Rights

PPI added to the Loan

Figures appears to have been mis calculated

etc etc

 

If anyone wants to know the solicitors are send me a PM.

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well done Markiemark - just be careful how much a no win no fee solicitor takes - though i'm sure they'll do a good job.

 

I'm a complete layman and have started this all on my own and managed to dig up a hell of a lot of info - same goes for Dipply75 and Postggj - just make sure you get your fees worth :)

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Oh roll on friday when i "personally" hand over my SAR im going to ask them some very awkward questions when i pop into the local Welcome Lie Centre...sorry i meant office. I cannot wait to begin my own personal battle with these scumbags....just hope i get all my info back before Welcome (hopefully) goes bust !!!

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