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    • Hi all!   Thank you in advance for any help you can give me!!    I parked up (at 18:08) in a rush, entered my Reg and paid for an hour of parking. At 18:20 I got a ticket for not paying for parking.    I've just looked at my receipt and noticed why ... I put "22" instead of "21"  when i put in my Reg. yes... what a stupid mistake.    I seem to remember there being a court case or a rule change about entering the wrong reg but the company wasn't at a loss because i had paid for the parking just technically for the wrong car. Am i making that up?    Any advice would be gratefully received, even some key points i have to hit when doing the appeal      
    • You haven't returned to the thread to give us your views, but a couple of other things strike me which you should consider: 1. You say that at no time was your father's licence revoked by the DVLA. It didn't have to be revoked. It expired in September and his "entitlement to drive" (of which the licence provides proof) expired along with it. He could only continue driving whilst his application was being processed by virtue of s88, and it seems clear to me (based on what you have said) that he was not able to take advantage of the benefits provided by that section. 2. The letter he received threatening to revoke his licence was probably a template letter sent when any medical issues are brought to the attention of the DVLA. But it is clear that beyond September until it was eventually renewed, your father had no valid licence to be revoked. I believe a "not guilty" plea in court will fail. The basic facts are that your father's licence expired in September, it was not renewed until February because the DVLA were looking into his medical declaration and he could not take advantage of s88. So in December he had no licence and no entitlement to drive under s88. The facts that he believed he was fit to drive and that his licence was eventually renewed may mitigate the offence but they do not provide a defence. I also asked whether he had received a summons (very unusual these days) or whether he had received a "Single Justice Procedure Notice". The way to proceed from here differs slightly depending on what he has received so if you let me know, I'll advise further.  
    • Well, what I've read from various sources suggest if a CCJ is 6 years old that if becomes pretty much ineffective for enforcement purposes in its original form.  And that if it's about to expire then the claimant needs to apply to the court to extend the original CCJ within the final year.  Even if they do apply for an extension within the 6 years they have to have a very strong argument for doing so such as the person being out of the country or could not be traced, basically show they were actively still perusing the debt I guess. Now if a claimant ever does apply within the 6 years to extend the CCJ, would the person named on if be notified by the court that such an application has been made?.  In my case I've heard nothing from the court so assume no such application has been made.  The original CCJ in my own case is now a year beyond the 6 years of issue so must now make things even less likely again. So whilst the CCJ exists that they have not enforced it in that time must surely make it unlikely they can now take it back to court because as said it would be very rare for a judge to agree to such action now. That said, I guess they now can't use the CCJ to continue with any action for an attachment order to our mortgage either?
    • Donald Trump now banned from countries including Canada and UK as convicted felon WWW.INDEPENDENT.CO.UK There are 37 countries that bar felons from entering, even to visit.  
    • Well, they trashed their last election manifesto pledges, so nothing new really is it? They just find weasel words to try to claim they haven't actually failed if you just look at it just a little squinted and in this particular way  - and are stupid.
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      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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    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
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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.

      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.

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      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
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Welcome Finance - This company needs to be banned.


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no only good for traders really they might make a couple of bob

but nothing for cattles

traders will only be looking for a quick return on investment

i suppose they think that a big investing company might come in to rescue but with everything going on at cattles FAT CHANCE

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i sent welcome a complains letter about the amount of phone calls and asked them for all communication to be in writing from now on.i get home yesterday and there are 3 messages on my phone to ring them but its a mobile number.i also put in a complaint about charges applied to my old account and had a letter back saying i had over £200 of charges that should not of been applied,as they have now cancelled this agreement and set up a new agreement that my partner hasn't signed can i still claim the money back and the interest that has been paid which shouldn't of been also what happens about the agreement my partner hasn't signed,i have cca them but no response yet,still got a few days left.can i ask for the charge to be removed of the property.

 

Hi Biddy

 

Keep those voicemails if you can! As for the letter about the charges, that is ok for starters but You need to be sure that figure is correct and what you want in interest added....have you done a subject access request yet? (apologies if you have already told us this, but this thread is huge now, getting confused!)

 

As for the new agreement, the one your partner hasn't signed, wait and see what you get back from your CCA (if nothing they default anyway) and take it from there.....we will be able to help ;)

 

The charge on your property is very interesting....I think you need to see exactly what Welcome submitted to the land registry to get the charge and see what they actually have on file.

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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BTW something PT said that has just caught my eye - he says if the PPI is wrong the charge for crdit is wrong and therefore the agreement is wrong - sooooooo if I prove in court the PPI should have never been sold does that mean the charge for credit is wrong and therefore no contract?

 

Just wondering it may be different under mis-selling cases.

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Hi Andi

 

Just returned from the boys in blue, well didnt actually get past the pit bull woman on the enquiries desk, had to withdraw myself out of the 'situation' before i got myself arrested.

The conversation went something like this....

need to report fradulent activity on my mortgage account by WcF.

PB- How do you know?

Because i have it here in black and white.

PB-We dont deal with things like that, you need to go to your mortgage company...

Sorry ! So there is nobody i can speak to in CID or Fraud Squad? How do you know they cant help me, Here look at this !!!

PB- No there is no one you can speak to...

Well can you log that i have just come into make a complaint to you about this and this company, that are under investigation anyway

PB - NO..You need to go to Mort company, or a solicitor....

So you are telling me you cannot deal with a crime that i am trying to report here ?? And you are telling me to alert the company to the crime that has been committed..dont think so !!!!

 

At this point i retreated, because i was becomming tempted to jump over the counter and knock the snotty bitch out..speacial constable my arse..

 

Returned to parents house and rang the main number, went through the whole conversation again, although did take some notice when i mentioned they were under investigation already with a few other governement departments..this got me put through to some control centre somewhere, but after listening to 5 minuses of we will answer your call shortly, the line mysteriously cut its self off....

 

Will now attempt to email complaint to given email address for police, find my own solicitor and Graphologist next week.....

 

really very angry at the moment as to why i hand my council tax over to these, if they have no staff, and the staff they do have, have half a brain cell....

 

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 Andi

 

Just returned from the boys in blue, well didnt actually get past the pit bull woman on the enquiries desk, had to withdraw myself out of the 'situation' before i got myself arrested.

The conversation went something like this....

need to report fradulent activity on my mortgage account by WcF.

PB- How do you know?

Because i have it here in black and white.

PB-We dont deal with things like that, you need to go to your mortgage company...

Sorry ! So there is nobody i can speak to in CID or Fraud Squad? How do you know they cant help me, Here look at this !!!

PB- No there is no one you can speak to...

Well can you log that i have just come into make a complaint to you about this and this company, that are under investigation anyway

PB - NO..You need to go to Mort company, or a solicitor....

So you are telling me you cannot deal with a crime that i am trying to report here ?? And you are telling me to alert the company to the crime that has been committed..dont think so !!!!

 

At this point i retreated, because i was becomming tempted to jump over the counter and knock the snotty bitch out..speacial constable my arse..

 

Returned to parents house and rang the main number, went through the whole conversation again, although did take some notice when i mentioned they were under investigation already with a few other governement departments..this got me put through to some control centre somewhere, but after listening to 5 minuses of we will answer your call shortly, the line mysteriously cut its self off....

 

Will now attempt to email complaint to given email address for police, find my own solicitor and Graphologist next week.....

 

really very angry at the moment as to why i hand my council tax over to these, if they have no staff, and the staff they do have, have half a brain cell....

 

b-o-2

 

:mad: That is just godam ridiculous. If it is false info/lies/forgery or any applicable bull submitted to the land registry then it comes under section 1 of the Fraud Act 2006. Same goes for any of the above in your mortgage dealings if it costs you at all.

 

How exactly can the police of all people not deal with a breach of the Fraud Act? Fraud/theft..same thing, I am appalled.

 

Each area has its own fraud squad, can you google it? See if you can contact them direct?

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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:mad: That is just godam ridiculous. If it is false info/lies/forgery or any applicable bull submitted to the land registry then it comes under section 1 of the Fraud Act 2006. Same goes for any of the above in your mortgage dealings if it costs you at all.

 

How exactly can the police of all people not deal with a breach of the Fraud Act? Fraud/theft..same thing, I am appalled.

 

Each area has its own fraud squad, can you google it? See if you can contact them direct?

 

 

Exactly my thoughts - Don't let this go - the reason the police don't want it is they will see it as a paperwork exercise - and I realise that they have an awful lot to do but breaking the law is breaking the law.

 

See just cos I hate being fobbed off by people I'd write a letter of complaint to the station manager/Cheif Constable saying when you attended and that you were prevented from reporting a crime and that you are considering reporting this to the local media - then see how quick they help you.

 

DO NOT LET THIS DROP

 

You need that police intervention as you're agreement etc is forged and they should not be allowed to get away with that especially when they secure a forgery on your house!

 

I perhaps would let your motgage company know the deal then you can tell the police you have done that so they can't try redirecting you again.

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Due In To Wcf Office On Monday Am Apparently The Person Who Drew Up The Modified Agreement Has Been Sacked And Tghe Manager Says Bthe Loan Issgtill A Car Loan Even If Head Office Have It As A Home Improvement Loan

Havent A Clue How To Fight This As It Seems So Complicated

 

Nothing complicated at all they are simply trying to con you..........& may have succeeded :-x

 

If they claim it's a 'home improvement loan' instead of an 'unsecured car loan' is there a charge on your property???

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Nothing complicated at all they are simply trying to con you..........& may have succeeded :-x

 

If they claim it's a 'home improvement loan' instead of an 'unsecured car loan' is there a charge on your property???

 

they cant put a charge against my home as its a housing association property

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INTERESTING

GOT THIS BACK TODAY FROM DIRECT GROUP

NOW I CANT DO ANY THING AS THE JUDGEMENT OF SETTLEMENT WAS THAT NEITHER SIDE CAN BRING FUTURE PROCEEDINGS

 

ITS OK

 

I WAS JUST GLAD TO BE FREE OF WELCOME

 

IVE SEEN SOME PUT UP JOB BEFORE BUT THIS

 

WHO THEY TRYING TO KID

 

IMG_0001-17.jpg

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they cant put a charge against my home as its a housing association property

 

Then that's begs the obvious question as to why would you apply for a home improvement loan when it ain't your home Welcome really are numpties:rolleyes:

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Then that's begs the obvious question as to why would you apply for a home improvement loan when it ain't your home Welcome really are numpties:rolleyes:

 

 

HI#

 

Oh dear sharp as a tack as usual jon.

 

Peter

DO NOT PAY UPFRONT FEES TO COLD CALLERS PROMISING TO WRITE OFF YOUR DEBTS

DO NOT PAY UPFRONT FEES FOR COSTLY TELEPHONE CONSULTATIONS WITH SO CALLED "EXPERTS" THEY INVARIABLY ARE NOTHING OF THE SORT

BEWARE OF QUICK FIX DEBT SOLUTIONS, IF IT LOOKS LIKE IT IS TO GOOD TO BE TRUE IT INVARIABLY IS

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Hi Peter

 

You asked to see my agreement earlier in this thread as i cant get my APR/interest figures to work out. I think i keep missing you on here though.

 

My agreement is here

 

http://www.consumeractiongroup.co.uk/forum/mortgages-secured-loans/165462-welcome-finance-problems-2.html

 

Many thanks.

 

Felix

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