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    • just to be clear here..... the DVLA do not send letters if a drivers licence address differs from any car's V5C that shows the same driver as it's registered keeper.
    • 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
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Welcome Finance - This company needs to be banned.


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At present I don’t think they are concerned about profits or lending to sustain the company going forward. Its about the here and now and if they will survive the next few weeks.

 

If I was a holder of Cattles stock, I would want answers or at least some idea of what is happening with the money I have invested.

 

I would be very very careful with the offer of new contracts and lower APR deals. You have this whole thread as evidence of the suspect dealings Welcome are willing to do at any cost!

 

WFS could not give a s**t about your well being or your personal circumstances I can assure you. Its all about the green.

 

Rule of thumb with Welcome.

If it looks like a rat, it smells like a rat. Then guess what. It is a rat!

 

If it sounds too good to be true, then it often is!

 

Nothing in this world is for free!

 

Ok enough of that :grin: I couldn’t help myself for a minute

 

Stewie

 

 

Stewie... your rants inspire me...LOL

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Well said Stewie,

 

This company stinks.

 

I am still waiting for their reply to my letter that I sent to CRC Complaints at Hessle regarding their freezing all interest etc if I agree to go on a DMP with CCCS.

 

Their sheer arrogance makes me sick...........:-x

 

My other two major creditors are much bigger organisations than Cattles and I have had no problems dealing with them direct and they have frozen their interest and other charges without the need for me to go on a DMP.

 

I want to see these loan sharks collapse a.s.a.p

 

At present I don’t think they are concerned about profits or lending to sustain the company going forward. Its about the here and now and if they will survive the next few weeks.

 

If I was a holder of Cattles stock, I would want answers or at least some idea of what is happening with the money I have invested.

 

I would be very very careful with the offer of new contracts and lower APR deals. You have this whole thread as evidence of the suspect dealings Welcome are willing to do at any cost!

 

WFS could not give a s**t about your well being or your personal circumstances I can assure you. Its all about the green.

 

Rule of thumb with Welcome.

If it looks like a rat, it smells like a rat. Then guess what. It is a rat!

 

If it sounds too good to be true, then it often is!

 

Nothing in this world is for free!

 

Ok enough of that :grin: I couldn’t help myself for a minute

 

Stewie

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Hello all and I hope you don't mind me posting on this thread. It's my first post and it's to do with Welcome! If it's not the right place to post my apologies in advance and I will delete my thread.

 

I have been with Welcome for many years and always paid them on time, never missing a payment. I am now into my 3rd car which I have had for 2 years, was paying £420 pm over 4 years with them but I lost my job last summer and am still unemployed. Each new agreement I was told I had to take PPI which I accepted. I left my job voluntarily.

 

I contacted them and was offered a re-write in October last year which has reduced my monthly payment to £227 pm as a fixed-sum loan agreement. This is to be paid back over 72 months @ 12.96 APR. I am sure that each of my previous agreements have consisited of a £75 acceptance fee being added but not as a seperate one-off payment but don't have my old agreements to check.

 

On my re-write I have the following;

 

Total charge for credit [consisting of] £16,346.56 [o+p] - o being the acceptance fee of £75 and p being the interest charge of £16,271.56.

 

I have only just started to read this post with interest but I am lost with it all and wish I had picked up/joined much sooner!! But damage is done!

 

I am really struggling to keep these payments going given I am only receiving JSA and wondered what my options are?

 

I have only recently joined the forum and as I said, it's my first post so please go easy on me! Yeah, I know I am probably a fool etc etc but really need some advice on how best to proceed with this.

 

Any help would be appreciated!

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To those of you checking he charges etc recorded at the Land Registry, if you find ANYTHING irregular, whether you are unsure about it or not (ie both signatures required on paperwork for joint), complain bitterly to the registry and get them to respond to every point in writing.

 

When I worked in insolvency, it was the Register of Scotland (ROS) we dealt with to place inhibitions etc and they were notoriously strict...as they are supposed to be, but if you phoned with a question you quite often got some young person and not much by way of a definite answer on things.

 

If there is anything wrong, focus on the registry and hound them with a complaint - they will cover their backside no end and turn the heat on Welcome, as I know in the ROS they were very strict with procedures and staff and didn't tolerate cock ups.

 

At least I hope thats how it still is!

 

 

Hi Dipply

 

thanks for this info, I'm dealing with ROS and it doesn't seem as straightforward as a form and fee as they are not giving me much information at all, nor asking for payment for something that is straightforward? I emailed customers services again cc the keeper, got a response from a named person and I will be hounding the poor thing till I get what I want, but I asked direct questions about how charges are placed, should it be separate charge per loan or amendment? or is one charge a blanket cover for whatever the finance company wants? Not getting any answers or copy certificate as easily as it seems to be for others...its a little suspect because I know LR are very strict, I'm hoping theres a boo boo, but I'm in the process of signing missives etc so I hope they pull their finger out & find it quick!

 

8-)

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Apparently top management from Cattles have been sent to some branches, that's probably who you've been dealing with, Mojo.

 

Re-writes are nothing new, Welcome have been doing them for years. Wouldn't recommend it though, you pay what you can afford regardless. It just means another entry on your credit file and makes life easier for Welcome.

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ooooohhhhhhhhhh the plot thickens it seems......wonder what Mr P is doing now ? Wont be doing it for very much longer with a bit of luck !!

Forsure

 

** One woman crusade against the rip off lenders ! **

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gday all

just been reading the postings

 

this anouncement by cattles, is it official,

i mean, is it the one giving the revised financial report for 2007/2008/2009

to the city and companies house or is it just a smoke screen

 

any one give a link on the statement in full,

 

this is strange as i know for a fact that cattles had the insolvency addministrators in

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Hi Post,

What’s the word on the ground these days? Everything seems to be pretty quite.

Even my account friends are not talking to me. They just keep referring to the terms of the FSA being "clear and eligible"

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

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Hi Post,

 

What’s the word on the ground these days? Everything seems to be pretty quite.

 

Even my account friends are not talking to me. They just keep referring to the terms of the FSA being "clear and eligible"

 

 

Oh yes and another thing. Welcome told me they would not re-consider my appeal for a re-write of the PPI and are sticking to their guns even though they are going to loose hands down. The account manager I was dealing with has now "left" for the day about 8 days in the row now :D

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

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i would make sure any refund has been credited to you account,

 

this statement by cattles seems to be a smoke screen,

 

it the financial reports and auditors reports that have to be released

 

WHERE ARE THEY

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Yeah imagine that ! :lol:

 

Can I ask a quick question please if I may ? I have my own ongoing battle with Welscum at the minute, and they seem to be dragging their heels at every given opportunity - They probably think Im going to give up and get lost, no such luck Welscum !:p

 

Anyways, my complaint is now with the FOS as thety partially refunded my PPI but retained the other bit, saying that it was an insurance refund and was applied to my account ? - Not Impressed to say the least !!!

 

Can I still pursue them myself and call them, write them etc if the FOS are involved ? Or should I just sit back and let them do their thing ?? :grin:

 

 

Hi Forsure! SNAP

I am having the exact same issue with Welcome on this count. You will have received a rebate for the amount left on your PPI, they break it down into three segments (dependant on the term and a total payments made)

If you are like me you will notice the rebate has just been credited to your account, the back end of your account. Let me explain. I was refunded but instead of my instalments coming down. I was refunded £1700 odd pounds. Total contribution per month is £44 to PPI and taken over the loan term (180 months) would work out at almost £8000. Doesn’t sound right does it?

They are still getting the interest on something you have cancelled, This is naughty naughty Welcome. And considering the loan was only covered for 60 months instead of the loan term of 180 months. Clearly my demands and needs are not complete or met by PPI. On that basis alone its toilet roll.

Instead my instalments remain the same and 6 months before the loan is complete the rebate will replace my monthly instalment of £296 per month, so in essence I will be over 174 months instead of the full 180.

Here is the kicker, I don’t want that. I want the whole loan re-calculated and my instalments to be reduced by the £44 now. I don’t see the need to pay interest on a service I have cancelled and have no need for. And considering the cover was only over 60 months and not 180, they have some explaining to do.

The FOS/FSA guidelines in this area are very clear. The customer should be put in a position as if he/she did not take out the PPI and a re-write of the loan agreement should take place and perhaps compensation.

In my case the FOS are just to slow and if Welcome treat the FOS with the same contempt as its customers. This is going to be a looooong wait! I am applying the correct amount of pressure to Welcomes genitals on a weekly basis now until something gives!

Stewie

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

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I am applying the correct amount of pressure to Welcomes genitals on a weekly basis now until something gives!

 

Stewie

 

lmao Stewie :lol:

 

What should I do ? Should I submit a further letter to Welcome or let the FOS handle it ? Is there any chance Welcome will refund this ' credited ' amount, or am I fighting a losing battle ?

 

Where are you up to with your claim ?

 

xx :-)

Forsure

 

** One woman crusade against the rip off lenders ! **

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I am applying the correct amount of pressure to Welcomes genitals on a weekly basis now until something gives!

 

Stewie

 

lmao Stewie :lol:

 

What should I do ? Should I submit a further letter to Welcome or let the FOS handle it ? Is there any chance Welcome will refund this ' credited ' amount, or am I fighting a losing battle ?

 

Where are you up to with your claim ?

 

xx :-)

 

 

Have you had a rebate?

 

Has your monthly premium reduced?

 

Have you had anything back in writting from Welcome to inform you of the changes or the rebate?

 

You need to ask alot of questions with this company to get no answers. If you are in the same boat as us awaiting feedback from the FOS. They will rule in your favour, its a given. Even if you were NOT mis-sold. The policy should still be re-calculated and not just credited with the rebate.

 

A loan re-write should take place. You can take that argument to any court in the land and they will uphold your case. They cannot continue to charge you for something you dont have!

 

By the way Welcome have tiny little love sack so its easy!

 

Stewie

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

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I have posted this before but for my re-assurance and that of Forsure I will report.

 

This was taken directly as a sample from the FOS site as to the general ruling regards PPI

 

case study 2:

loan and PPI policy terminated early before ombudsman decision

We upheld the complaint made by Mr T on the basis that the financial business had mis-sold him the PPI policy. We concluded that but for the financial business's failings, Mr T would not have purchased the PPI policy. In his case:

  • his overall loan was for £23,000 (with monthly repayments of £430) – but it would have been £18,000 (with monthly repayments of £340) without the additional lending to fund the single premium PPI policy;
  • the term of the loan and policy was for 60 months;
  • the loan and policy were cancelled after Mr T had made 24 monthly payments;
  • Mr T was required to pay £15,500 to settle the loan (after the business had taken account of the rebate of premium he was due of £1,200); but if he had not had the PPI added to the loan, the smaller loan of £18,000 would have cost £13,000 to settle at the same point.

So Mr T had paid the lender £90 a month more than he would have done, had the financial business not mis-sold the PPI policy; and £2,500 more to settle the loan, when he cancelled the loan and policy after 24 months. Accordingly, we required the financial business to:

  • return to Mr T each of these excess monthly payments of £90 that he had made over the twenty months up to the date of settlement (£2,160);
  • calculate the difference between the settlement costs Mr T incurred when he ended the loan early and those he would have incurred, had he settled the loan without the additional PPI element at the same time (£15,500 - £13,000 = £2,500) – and to pay that difference to Mr T;
  • add interest to each of these excess payments of £90 and to the excess settlement cost (£2,500) – at a rate of 8% simple from the date each payment was made (and from the date that excess cost was incurred) until the date the financial business repaid Mr T;
  • pay Mr T £400 for the extra inconvenience he had been caused in having to refer his complaint to us – because the financial business had rejected his complaint without properly analysing the defects in its sales practices and had delayed its responses to his enquiries; and
  • set out for Mr T the details of its calculations.

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

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