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    • sorry she is a private individual, the cars are parking on her land. she can clamp the cars. only firms were outlawed from doing it bazza. thats what the victims of people dumping cars on their drives near airports did and they didn't not get prosecuted.    
    • The DVLA keeps two records of you. One as a driver and one for your car. If they differ you might find out in around a month when they will send you a reminder as well as to your other half for their car. If you receive nothing then you can be fairly sure that you were tailgating though wouldn't explain why they didn't pick up your car on one of drive past their cameras. However even if you do get a PCN later then your situation will not change. The current PCN does not comply with the Protection of Freedoms Act 2012 Schedule 4 which is the main law that covers private parking. It doesn't comply for two reasons. 1. Section 9 [2][a] states  (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; The PCN states 47 minutes which are the arrival and departure times not the time you were actually parked. if you subtract the time you took to drive from the entrance. look for a parking place  park in it perhaps having to manoeuvre a couple of times to fit within the lines and unload the children reloading the children getting seat belts on  driving to the exit stopping for cars pedestrians on the way you may well find that the actual time you were parked was quite likely to be around ten minutes over the required time.  Motorists are allowed a MINIMUM of ten minutes Grace period [something that the rogues in the parking industry conveniently forget-the word minimum] . So it could be that you did not overstay. 2] Sectio9 [2][f]  (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 does not include the words in brackets and in 2a the Act included the word "must". Another fail. What those failures mean is that MET cannot transfer the liability to pay the charge from the driver to the keeper. Only the driver is now liable which is why we recommend our members not to appeal. It is so easy to reveal who was driving by saying "when I parked the car" than "when the driver parked the car".  As long as they don't know who was driving they have little chance of winning in court. This is partly because Courts do not accept that the driver and the keeper are the same person. And because anyone with a valid motor insurance policy is able to drive your cars. It is a shame that you are too far away to get photos of the car park signage. It is often poor and quite often the parking rogues lose in Court on their poor signage alone. I hope hat you can now relax and not panic about the PCN. You will receive many letters from Met, their unregulated debt collectors and sixth rate solicitors threatening you with ever higher amounts of money. The poor dears have never read the Act which states quite clearly that the maximum sum that can be charged is the amount on the signs. The Act has only been in force for 12 years so it may take a  few more years for the penny to drop.  You can safely ignore everything they send you unless or until they send you a Letter of Claim. Just come back to us if they do send one of those love letters to you and we will advise on a snotty letter to send them. In the meantime go on and enjoy your life. Continue reading other threads and if you do get any worrying letters let us know. 
    • Hopefully the ANPR cameras didn't pick up the two vehicles, but I don't think you're out of the woods just yet. MET's "work" consists of sending out hundreds of these invoices every week so yours might be a few days behind your partner's. There is also the matter of Royal Mail.  I once sold two second-hand books to someone on eBay.  Weirdly the cost of sending them separately was less than the cost of sending them in one parcel.  So to save a few bob I sent them seperately.  One turned up the next day.  One arrived after four days.  They were  sent from the same post office at the same time! But let's hope I'm being too pessimistic. Please update us of any developments.
    • New version after LFI's superb analysis of the contract. Sorry, but you need to redo the numbering of the paras and of the exhibits in the right order after all the damage I've caused! Defendant's WS - version 4.pdf
    • Hi  no nothing yet. Hope it stays that way 😬
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    • 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.  

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    • 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.

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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Welcome Finance - This company needs to be banned.


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and I come back, an hour after everyone has gone and still cannot wipe the smug grin off my face.

 

Evening 4 guests...I think they have all turned in for the night, smiling smugly pmsl but there is lots of info, have a read hehe

 

arrogance is very expensive :D

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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Oh yes the arrogance of Welcome has been a major worry for me for the past 20 months, but after handing in my SAR yesterday and watching with glee the unfolding events on here last (top top work postggj !!) Welcomes slow painfull demise is going to be unmissable !!!

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Hello Everyone

 

Not sure if this is going to work as I am far away from being computer literate.

 

I have been reading this forum with much interest and had such a laugh a some of your comments.

 

Seriously without going into my own problems with Welcome, can someone please tell me what a subject access request is (and how do I do this) and what will I gain.

 

Also can someone please give me an address for Direct Group to check out the insurance.

 

Thanks very much - you all seem to know such a lot and by what im reading your going to blow Welcome away - hurrayyyyyyyyyy

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Hi all, Animal Lover, one of the caggers who has fought them for ages and helped dig that hole they are in now got a result today!

 

The FOS kicked Welcomes butt, check it out:

 

http://www.consumeractiongroup.co.uk/forum/payment-protection-insurance-ppi/147639-welcome-finance-investigation-19.html

 

Animal lover so deserves this :D

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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hi all back on the plot

 

dipply

thats great news for animal lover,

i would think there is going to be quite a few pay outs on this insurance lark,

its called damage limitation

 

the fos and fsa know what is going on, they have known about it for ?????

 

 

now our friends from over the pond are involved, mr brown can no longer ignore corupt gb plc

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Dont want to veer off the track too much postggj, i dropped my SAR into the local Welcome Office yesterday, with all whats going on and with what ive witnessed with my own eyes (the local car showroom closing down and the Welcome office looking like its on its last legs...How much hope do i have of getting a reply to my SAR ??.......Keep up the good work :D

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that was quick

must have seen your posting the other day

any thing interesting

pm me if needed

 

 

nah the usual, the contents of your complaints have been noted and wish to discuss it further etc - yeah I bet you do Mr - nothing less than ALL my money back + interest + compensation for my time will do!

 

Compling a figure as we speak :)

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andie

 

i have that in black and white direct from direct group

 

welcome are hanging themselves with out even trying

 

direct group are putting a long arm against welcome

 

dont want to get to close

 

they have been to close for years

 

its pay back time

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and i have it in black and white from Norwich Union - had it over 2 months!

 

So if NU aren't getting the money.....and Direct Group aren't gettting the money......Caggers see where I'm going with this......??

 

Perhaps it's going to the Suits You outlet stores as all Welcome employees seem to wear really naff suits not just our compliance friends ;)

 

start getting your confirmations in writing

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Glad to have you over here PT, Knowing you have been rather busy elsewhere for a while, I think one of the Guys/Gals in the know may be better in bringing you up to speed by pm, postggi is probably the one to speak speak to...

 

regards

B-O-2

ANYBODY WHO NEEDS INFO ON YOUR LEHMANS MORTGAGE

either SPML/PML/LMC/SPPL; the following are DIRECT tel#s,

of the investigating & prosecuting organisations: DONOT say you are from CAG-only directly affected or a concerned citizen.

 

1. Companies House: Kevin Hughes(Compliance Manager-main) @ 02920 380 633

2. CH : Lee Jenkins(prosecuting Amany Attia(MD) for SPML/PML) @ 02920 380 643

3. CH : Mark Youde(accounts compliance) @ 02920 380 955

 

4. Companies Investigation Branch(CIB) : Charlotte Allan @ 0207 596 6108

(part of the Insolvency Service) investigating all the Lehman lenders

 

5. CIB : Jeremy Pilcher('unofficial'-consumer/company lawyer) : @ 0207 637 6231

__________________

File YOUR 'Companies Investigation Branch'- CIB complaint online NOW!!!!

 

http://www.insolvency.gov.uk/complaintformcib.htm

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Hi Pt

 

I Have Welcome By The Nuts And Proof

Friday Turned Over File To Seriouse Fraud Squad And Hmrc

Cant Say To Much For Obviouse Reasons

Pm Me If Needed

 

This Is Why Cattles Have Delayed Again The Accounts

 

Yanks Are Involved, Big Time

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Glad to have you over here PT, Knowing you have been rather busy elsewhere for a while, I think one of the Guys/Gals in the know may be better in bringing you up to speed by pm, postggi is probably the one to speak speak to...

 

regards

B-O-2

 

 

B-O-2 you get me PM?

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Evening everyone.

 

This is the thread for our current welcome debacle

http://www.consumeractiongroup.co.uk/forum/mortgages-secured-loans/187541-welcome-finance-response-cca.html

Over the years we have had a loan and then refinanced it a couple of times with welcome.

Based on what i've been reading on here, can you confirm the following is the best course of action.

1. SAR Welcome - Branch or Head Office?

Await response, and post some info on my thread.

Then

2. SAR PPI provider and arranger (DG & NU).

 

We've already sent an account in dispute letter to welcome anyway, 'cos they haven't replied to the cca request we sent them. So just playing the waiting game.

 

Looking forward to the big announcement.

 

Any further comments or suggestions greatly appreciated.

 

Cheers

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