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    • further polished WS using above suggestions and also included couple of more modifications highlighted in orange are those ok to include?   Background   1.1  The Defendant received the Parking Charge Notice (PCN) on the 06th of January 2020 following the vehicle being parked at Arla Old Dairy, South Ruislip on the 05th of December 2019.   Unfair PCN   2.1  On 19th December 2023 the Defendant sent the Claimant's solicitors a CPR request.  As shown in Exhibit 1 (pages 7-13) sent by the solicitors the signage displayed in their evidence clearly shows a £60.00 parking charge notice (which will be reduced to £30 if paid within 14 days of issue).  2.2  Yet the PCN sent by the Claimant is for a £100.00 parking charge notice (reduced to £60 if paid within 30 days of issue).   2.3        The Claimant relies on signage to create a contract.  It is unlawful for the Claimant to write that the charge is £60 on their signs and then send demands for £100.    2.4        The unlawful £100 charge is also the basis for the Claimant's Particulars of Claim.  No Locus Standi  3.1  I do not believe a contract with the landowner, that is provided following the defendant’s CPR request, gives MET Parking Services a right to bring claims in their own name. Definition of “Relevant contract” from the Protection of Freedoms Act 2012, Schedule 4,  2 [1] means a contract Including a contract arising only when the vehicle was parked on the relevant land between the driver and a person who is-   (a) the owner or occupier of the land; or   (b) Authorised, under or by virtue of arrangements made by the owner or occupier of the land, to enter into a contract with the driver requiring the payment of parking charges in respect of the parking of the vehicle on the land. According to https://www.legislation.gov.uk/ukpga/2006/46/section/44   For a contract to be valid, it requires a director from each company to sign and then two independent witnesses must confirm those signatures.   3.2  The Defendant requested to see such a contract in the CPR request.  The fact that no contract has been produced with the witness signatures present means the contract has not been validly executed. Therefore, there can be no contract established between MET Parking Services and the motorist. Even if “Parking in Electric Bay” could form a contract (which it cannot), it is immaterial. There is no valid contract.  Illegal Conduct – No Contract Formed   4.1 At the time of writing, the Claimant has failed to provide the following, in response to the CPR request from myself.   4.2        The legal contract between the Claimant and the landowner (which in this case is Standard Life Investments UK) to provide evidence that there is an agreement in place with landowner with the necessary authority to issue parking charge notices and to pursue payment by means of litigation.   4.3 Proof of planning permission granted for signage etc under the Town and country Planning Act 1990. Lack of planning permission is a criminal offence under this Act and no contract can be formed where criminality is involved.   4.4        I also do not believe the claimant possesses these documents.   No Keeper Liability   5.1        The defendant was not the driver at the time and date mentioned in the PCN and the claimant has not established keeper liability under schedule 4 of the PoFA 2012. In this matter, the defendant puts it to the claimant to produce strict proof as to who was driving at the time.   5.2 The claimant in their Notice To Keeper also failed to comply with PoFA 2012 Schedule 4 section 9[2][f] while mentioning “the right to recover from the keeper so much of that parking charge as remains unpaid” where they did not include statement “(if all the applicable conditions under this Schedule are met)”.     5.3         The claimant did not mention parking period, times on the photographs are separate from the PCN and in any case are that arrival and departure times not the parking period since their times include driving to and from the parking space as a minimum and can include extra time to allow pedestrians and other vehicles to pass in front.    Protection of Freedoms Act 2012   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;  22. In the persuasive judgement K4GF167G - Premier Park Ltd v Mr Mathur - Horsham County Court – 5 January 2024 it was on this very point that the judge dismissed this claim.  5.4  A the PCN does not comply with the Act the Defendant as keeper is not liable.  No Breach of Contract   6.1       No breach of contract occurred because the PCN and contract provided as part of the defendant’s CPR request shows different post code, PCN shows HA4 0EY while contract shows HA4 0FY. According to PCN defendant parked on HA4 0EY which does not appear to be subject to the postcode covered by the contract.  6.2         The entrance sign does not mention anything about there being other terms inside the car park so does not offer a contract which makes it only an offer to treat,  Interest  7.1  It is unreasonable for the Claimant to delay litigation for  Double Recovery   7.2  The claim is littered with made-up charges.  7.3  As noted above, the Claimant's signs state a £60 charge yet their PCN is for £100.  7.4  As well as the £100 parking charge, the Claimant seeks recovery of an additional £70.  This is simply a poor attempt to circumvent the legal costs cap at small claims.  7.5 Since 2019, many County Courts have considered claims in excess of £100 to be an abuse of process leading to them being struck out ab initio. An example, in the Caernarfon Court in VCS v Davies, case No. FTQZ4W28 on 4th September 2019, District Judge Jones-Evans stated “Upon it being recorded that District Judge Jones- Evans has over a very significant period of time warned advocates (...) in many cases of this nature before this court that their claim for £60 is unenforceable in law and is an abuse of process and is nothing more than a poor attempt to go behind the decision of the Supreme Court v Beavis which inter alia decided that a figure of £160 as a global sum claimed in this case would be a penalty and not a genuine pre-estimate of loss and therefore unenforceable in law and if the practice continued, he would treat all cases as a claim for £160 and therefore a penalty and unenforceable in law it is hereby declared (…) the claim is struck out and declared to be wholly without merit and an abuse of process.”  7.6 In Claim Nos. F0DP806M and F0DP201T, District Judge Taylor echoed earlier General Judgment or Orders of District Judge Grand, stating ''It is ordered that the claim is struck out as an abuse of process. The claim contains a substantial charge additional to the parking charge which it is alleged the Defendant contracted to pay. This additional charge is not recoverabl15e under the Protection of Freedoms Act 2012, Schedule 4 nor with reference to the judgment in Parking Eye v Beavis. It is an abuse of process from the Claimant to issue a knowingly inflated claim for an additional sum which it is not entitled to recover. This order has been made by the court of its own initiative without a hearing pursuant to CPR Rule 3.3(4)) of the Civil Procedure Rules 1998...''  7.7 In the persuasive case of G4QZ465V - Excel Parking Services Ltd v Wilkinson – Bradford County Court -2 July 2020 (Exhibit 4) the judge had decided that Excel had won. However, due to Excel adding on the £60 the Judge dismissed the case.  7.8        The addition of costs not previously specified on signage are also in breach of the Consumer Rights Act 2015, Schedule 2, specifically paras 6, 10 and 14.   7.9        It is the Defendant’s position that the Claimant in this case has knowingly submitted inflated costs and thus the entire claim should be similarly struck out in accordance with Civil Procedure Rule 3.3(4).   In Conclusion   8.1        I invite the court to dismiss the claim.  Statement of Truth  I believe that the facts stated in this witness statement are true. I understand that proceedings for contempt of court may be brought against anyone who makes, or causes to be made, a false statement in a document verified by a statement of truth without an honest belief in its truth.   
    • Well the difference is that in all our other cases It was Kev who was trying to entrap the motorist so sticking two fingers up to him and daring him to try court was from a position of strength. In your case, sorry, you made a mistake so you're not in the position of strength.  I've looked on Google Maps and the signs are few & far between as per Kev's MO, but there is an entrance sign saying "Pay & Display" (and you've admitted in writing that you knew you had to pay) and the signs by the payment machines do say "Sea View Car Park" (and you've admitted in writing you paid the wrong car park ... and maybe outed yourself as the driver). Something I missed in my previous post is that the LoC is only for one ticket, not two. Sorry, but it's impossible to definitively advise what to so. Personally I'd probably gamble on Kev being a serial bottler of court and reply with a snotty letter ridiculing the signage (given you mentioned the signage in your appeal) - but it is a gamble.  
    • No! What has happened is that your pix were up-to-date: 5 hours' maximum stay and £100 PCN. The lazy solicitors have sent ancient pictures: 4 hours' maximum stay and £60 PCN. Don't let on!  Let them be hoisted by their own lazy petard in the court hearing (if they don't bottle before).
    • Thanks for all the suggestions so far I will amend original WS and send again for review.  While looking at my post at very beginning when I submitted photos of signs around the car park I noticed that it says 5 hours maximum stay while the signage sent by solicitor shows 4 hours maximum stay but mine is related to electric bay abuse not sure if this can be of any use in WS.
    • Not sure what to make of that or what it means for me, I was just about to head to my kip and it's a bit too late for legalise. When is the "expenditure occured"?  When they start spending money to write to me?  Or is this a bad thing (as "harsh" would imply)? When all is said and done, I do not have two beans to rub together, we rent our home and EVERYTHING of value has been purchased by and is in my wife's name and we are not financially linked in any way.  So at least if I can't escape my fate I can at least know that they will get sweet FA from me anyway   edit:  ah.. Sophia Harrison: Time bar decision tough on claimants WWW.SCOTTISHLEGAL.COM Time bar is a very complex area of law in Scotland relating to the period in which a claim for breach of duty can be pursued. The Scottish government...   This explains it like I am 5.  So, a good thing then because creditors clearly know they have suffered a loss the minute I stop paying them, this is why it is "harsh" (for them, not me)? Am I understanding this correctly?  
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Welcome Finance - This company needs to be banned.


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Hi Peter - they have put it the correct way on the agreement. The TAP does rise by the fee amount. but what I am concerned about is the fact they have added the fee to the total amount of credit and then calculated the interest charge:

If I put £13740 in loan calculator at 30.45% I get £26239.07 not the £26689.47 that is on agreement for interest charge.

 

If I put £13975 (total amount of credit + acceptance fee) in I get £26687.85 for interest charge which is close to interest charge on agreement and within a penny of monthly payment.

 

However onto this £26687.85 it would appear they add the £235 again to get total charge for credit = £26924.47????:confused:

 

Now I am not sure if they are allowed to work it out like this ???? the agreement on the surface looks ok but when you work out figures it does not make sense - I am so sure I have just confused everyone myself included :D

 

 

Hi

 

It may be that somewhere within your tand cs it says that the rate of interes shown will include the fee within the total charge price.since it does not have an impact on any of the other figures it is irrellavant and that is why the method of calculation is not coverred by legislation.

It is the APR that is the key issue and on it depends the make up of the tcc and the tc.

 

Regasrds

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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err i think i'v done it, sorry to just land this in, I did ask last night, but taken all day to get this far, hope its ok. Hope someone can take a look, i dont understand any of it.

 

Thanks

 

Hi

 

Yet another variation

 

Unfortunately not alot wrong with it as far as the act goes.

 

The optional policies form a sepperate agreement really that should have had a sepperate signature but i do not think the court would fail to enforce.

 

THe APR on both sides check out within tollerences.and the fees are in the correct places

 

Rergards

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

 

Yet another variation

 

Unfortunately not alot wrong with it as far as the act goes.

 

The optional policies form a sepperate agreement really that should have had a sepperate signature but i do not think the court would fail to enforce.

 

THe APR on both sides check out within tollerences.and the fees are in the correct places

 

Rergards

Peter

 

Thanks very much for looking and your opinion Peter

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For reasons I can't go into here could everyone making SAR requests be a little circumspect. In other words try make your SAR as general as possible to avoid tipping Welcome off as to your intentions.

 

Also the more general it is the more 'unintentional' info you may receive;)

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Hi peter, if you could, i wonder if you can confirm if interest is charged on my acceptance fee or not.... The statement of price says it is. The agreement makes it look otherwise. Welcome replied to my letter saying it isn't.

Not good at APR calculation, but tried a few online calculators and none d wiser... due to diff answers

http://i719.photobucket.com/albums/w...entofprice.jpg

http://i719.photobucket.com/albums/w...1/contract.jpg

http://i719.photobucket.com/albums/w...comeReply1.jpg

http://i719.photobucket.com/albums/w...comereply2.jpg

 

The monthly rate of 3.75 (annual 55.55%) is what is actually used to calc interest on my statement and it seems interest is actually calculated based on loan amount +fee, not just TC. There also seems to be a caluse on the agreement saying, they will be charging interest on daily balance of total amount of credit (cash advance +acceptance fee).... so confused....

Did they charge interest? and if they did, can they do this because of that clause?

Edited by prudent
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I was contacted many times over3 weeks by the salesman from the funding corp,finally he picked me up to take me to the showroom, after loads and loads of phone calls and visits to his office, he took me to the yards where the cars were stored, none of the cars had prices on them ? i picked what he said i could afford, the finance was sorted out and i had to sign about 18 sheets of paper, far to many to even try to attempt to read,, i finally left with the car and salesman following in his car to geta copy of my working tax credits agreement,

when i started to get the paperwork through i noticed a 2 year service contract and a GAP insurance, i questioned both of these with the company and finally i insisted that they were removed. i also lodged a complaintwith customerservices about the way i had been bullied and forced in to signing the forms, they just said you should not of signed them then,

i have tried my best to keep up with the payments, but i am finding paying £53 per week from my low wage a very hard thing to do,

today i wrote to trading standards to inform them of what was going on,

like others on here i have had to change my mobile number because of threats and constant texts from the funding corp, its like a nightmare that wont go away, my land line is the same, usually messages to phone them, usually for no real reason,

I really want to tell them to pick up the car and take it back and forget it, but i know they wont do this, if i finish the payments it will of cost me £11,500.03 for a car worth only £3000 a complete rip off

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has anybody else signed a new agreement and not received a copy of it from welcome

Since i made the funding corp remove the "GAP" insurance and the car breakdown policy, the payments have gone down, but i have not had a new agreement of my payments and schedual,

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did you sign a modified agreement manskin

after they took off the insurance products

 

did you sign the agreement on trade prem

was the agreement hire purchess

conditional sale

was it secured by a bill of sale

 

so many questions but need to know

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did you sign a modified agreement manskin

after they took off the insurance products

 

did you sign the agreement on trade prem

was the agreement hire purchess

conditional sale

was it secured by a bill of sale

 

so many questions but need to know

 

no i didnt sign any further documents after removal of insurance and gap,

original document was signed on the companys garage/showroom, there was no bill of sale, just a recipte for my deposit

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Hi Peter, if you are still about and have time, could you have a look over my agreement, thanks. I have signed it on a 2nd page

 

 

http://i627.photobucket.com/albums/tt356/bandape/1STPAGEOFLOAN.jpg

 

Hi Is the draft letter for welcome

I did hesitate about putting it on a open forum but then i thought why not, not a lot they can do about it and someoned else might be able to use bits of it.If welcome are looking they are well advised not to challenge this one as there is a sting in the tail the last bit, More later

 

Dear Welcome

 

Please find attached a copy of my agreement dated **************** .

On inspection I note that the agreement above is seriously flawed and is in breach of the Consumer Credit Act 1974.

To be specific section 61 of the act states

(1) A regulated agreement is not properly executed unless—

(a) a document in the prescribed form itself containing all the prescribed

terms and conforming to regulations under section 60(1) is signed in the

prescribed manner both by the debtor or hirer and by or on behalf of the

creditor or owner

Section 65 of the act states :

1) An improperly -executed regulated agreement is enforceable against the debtor or hirer

on an order of the court only.

Section 127(3) of the act states

The court shall not make an enforcement order under section 65(1) if section 61(1)(a) (signing of agreements) was not complied with unless a document (whether or not in the prescribed form and complying with regulations under section 60(1)) itself containing all the prescribed terms of the agreement was signed by the debtor or hirer (whether or not in the prescribed manner).

The prescribed terms are listed in schedule 6 of the statutory instrument

agreement regulation 1954/1553

For this type of fixed sum unrestricted use credit agreement these are ,the total credit and the repayment details as specified in schedule 10 of the same regulations.

There is no figure for the total credit on the agreement.

Just to be clear I will not accept that the figure quoted as the Total Loan is a figure for the total credit as it includes items that should be contained within the total charge for credit.

Section 9 of the Act precludes any such items being part of the total credit figure.

In addition the APR quoted would then be incorrect.

The agreement is as you see improperly executed and totally unenforceable under the act.

There is much in legislation and common law to support this fact, all of which I am familiar with.

The agreement has long since repaid the original sum borrowed and I now see no reason why I should continue to make repayments on an agreement that was not representative of the terms that it delivered.

I am now therefore stopping any further payments.

Please note that any further actions taken by you to recover any perceived debt will not be tolerated.

You are also to be advised that security, in the form of a chrge on property was used on this agreement and that this hereby nullified as per section 113(3)c and section 106 and section 65.

Yours

Edited by Dodgeball
converting to english

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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call us what you like... sub prime, non standard... this may be your first problem we are all individuals with certain needs. most of your borrowers are duped into taking PPI, no PPi no loan.... justify this.... I really hope unfortunately for you enough complaints lead to a fine for your company , which leads to administration... I will be speaking to a team of solicitors in the near future which will hopefully enable good honest genuine people to clean up credit files and claim compensation from companies such as yours that use defaults like weapons to extort even more money out of consumers. people are becoming more and more aware of their rights and the credit crunch is basically greedy profiteers gambling with others money knowing if they make it big they will share the dividends if they dont ah well the government will bale them out with money which could be used better.... rbs asking shareholders for money is the start of something which will change the banking industry for ever.... bit late but hey ho!!!

If i where you I would consider alternative employment as the industry you are in will slowly collapse.... I do not and will never need to justify my existence. unlike you using the forum to pick up tips and try and make out how good you are.... I am convinced any members saying welcome are good company all work in your office..... ????? just my opinion!!!

in ref to the petition Number10.gov.uk i have set up a petition and its awaiting aproval, so please look and sign if you agree

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Nice pieces of information flowing in from different agreements.

 

Hi Peter,

 

Did you get a chance to check the mail I sent you with the agreement with the Statement of price?

 

Thanks

Stewie

 

Ps: Mommy inlaw was very chuft with the flowers! £15 for a crappy bunch of flowers:mad:

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

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Just emailed The Sun newspaper with this:

 

"Royal bank of Scotland is now goverment owned.

Royal bank of Scotland owns major shares in Cattles/welcome finance

Cattles/Welcome APR's average 60%, this is an outrage

The goverment is basically dealing loans at 60%

Please print a story"

Lets attract some attention guys heres the email

[email protected]

Take Control

! Use excel to document all your income and outgoings !

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i believe andie has done a dynamite one

 

give him a bell when he comes on line

 

shella

 

follow the money

 

that is the premium you paid welcome

did welcome send to direct group, norwich union, or themselves

 

demand computer screen shots of money transfers

 

ive said to much now

 

FOLLOW THE MONEY (HINT)

 

I have indeed got a good one - specially modified for exactly what you need - EVEN IF YOU DON'T KNOW IT!!

 

And Postggj - you've been conversing with me long enough and you still think I'm a BOY :(

Data Protection Act 1998

 

Subject Access Request

 

Dear Sir/Madam

 

ACCOUNT NUMBER:

 

Please supply me with all data that you hold on me. This includes in particular, but is not limited to, the following:-

 

1. Full copies or transcripts of any correspondence in postal, email or any other format which you have entered into with any individual, organization or third party which contains my personal or financial, or which pertains to me, including correspondence to the underwriter of any insurance policies and details of the relevant Insurance Premium Tax (IPT) payable on any single premium policies. Please ensure this includes how much tax was payable, who payment was made to and the date of this payment.

 

2. Transcriptions of all telephone conversations recorded and any notes made in relation to telephone conversations by your company.

 

3. Where there has been any event in my account history over this period which has required manual intervention by any person, I require disclosure of any indication or notes which have either caused or resulted in that manual intervention.

 

4. True copies of any notice that you have sent me, with a copy of any proof of postage that you hold.

 

5. Documents relating to any insurance added to the account, including the insurance contract and terms and conditions, date it was added and deleted (if applicable).

 

6. Details of any collection charges added to the account; specifically, the date it was levied, the amount of the charge, a detailed financial breakdown of how the charge was calculated, and what the charge covers.

 

7. Specific details of the fees/charges levied by any other agency in respect of this account and a detailed breakdown of said fees/charges and what each charge relates to and on what date said fees/charges were levied.

 

8. A genuine copy of any notice of fair use of my data as required by the Data Protection Act 1998

 

9. A list of third party agencies to whom you have disclosed my personal data and a summary of the nature of the information you have disclosed.

 

10. Copies of statements for the entire duration of the credit agreement.

11. Specific details of any payments received from or paid to any other agency in respect of this account and a detailed breakdown of payments and what each payment relates to and on what date the payments were made and by whom.

12. Copies of computer screen shots of all payments made and received with regards to this account by either your or another agency showing these transfers being made.

 

I enclose the statutory maximum fee of £10. You have 40 days in which to comply.

 

If there is specific information which you require in order to satisfy yourself as to my identity, please let me know by return. However, please note that the above address is the one which you normally use to communicate my private business to me and which you have hitherto found to be acceptable.

 

Yours faithfully,

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no offence andie

 

its ust i know who puts on the trousers in your house

 

no messing

 

like i said before hell hath no fury

 

Yep you're right hell hath no fury like a woman told not to be a stupid little girl by Welcome Compliance!!

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Hi

 

It may be that somewhere within your tand cs it says that the rate of interes shown will include the fee within the total charge price.since it does not have an impact on any of the other figures it is irrellavant and that is why the method of calculation is not coverred by legislation.

It is the APR that is the key issue and on it depends the make up of the tcc and the tc.

 

Regasrds

Peter

 

Hi Peter, Thankyou for all the work you are doing here, it is greatly needed and appreciated.

 

There is so much about this acceptance fee thing, and I apologise if you are sick of hearing about it!

 

What I have found is on the agreement, the TCC is listed as the interest charge and in a seperate box - the acceptance fee.

 

The Total amount of credit is what you borrowed (cash, insurances etc). OK, looks fine as you say.

 

But the statements, the statement of price etc show the acceptance fee being added to that TAC for the interest to be calculated. So I checked the T&C's as you suggested and it does just state "We will open a loan account in your name and debit it with the 'Total Advance'.......the in the acceptance fee T&C is states: "The acceptance fee will be charged by you by being included in the Total Advance".

 

I gues what is confusing me is, if they have done this right and its ok to charge the interest on that fee, why keep denying it to everyone?

 

If you could please Peter, woud you look over my OH's agreement also? I don't see a total amount payable either :confused:

 

http://i303.photobucket.com/albums/nn122/Dipply75/Picture.jpg

http://i303.photobucket.com/albums/nn122/Dipply75/WelcomeLoan2blanked.jpg

 

Thanks again ;-)

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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dipply

 

thats the first time ive seen this agreement

its crap, rubbish, welcome can go and whistle

 

there is no total ammount payable on the loan

 

thats a perscribed term that a court cant enforce

 

get peter to give it the once over but ime 99.999% sure

 

 

GAME OVER

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Hi Peter, Thankyou for all the work you are doing here, it is greatly needed and appreciated.

 

There is so much about this acceptance fee thing, and I apologise if you are sick of hearing about it!

 

What I have found is on the agreement, the TCC is listed as the interest charge and in a seperate box - the acceptance fee.

 

The Total amount of credit is what you borrowed (cash, insurances etc). OK, looks fine as you say.

 

But the statements, the statement of price etc show the acceptance fee being added to that TAC for the interest to be calculated. So I checked the T&C's as you suggested and it does just state "We will open a loan account in your name and debit it with the 'Total Advance'.......the in the acceptance fee T&C is states: "The acceptance fee will be charged by you by being included in the Total Advance".

 

I gues what is confusing me is, if they have done this right and its ok to charge the interest on that fee, why keep denying it to everyone?

 

If you could please Peter, woud you look over my OH's agreement also? I don't see a total amount payable either :confused:

 

http://i303.photobucket.com/albums/nn122/Dipply75/Picture.jpg

http://i303.photobucket.com/albums/nn122/Dipply75/WelcomeLoan2blanked.jpg

 

Thanks again ;-)

 

 

Now being a complete layman thicko total advance is surely just like Total amount - except they have made it look perfectly legit on their agreement - seperating it out and looking like they have done nothing wrong UNTIL you get the statement of price - and you only get the statement if you have SAR'd them or are going through court action i.e. when you already think they have done something wrong. If there was nothing wrong and the is legit why not give a statement of price with all the paperwork they give when you sign?#

 

Except in my case when I was given sod all!! :D

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