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    • 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.
    • Farage rails and whines about not being allowed on the BBC ... ... but pulls out at the last minute of a BBC Panorama interview special. It was denied it was anything to do with his candidates being outed as misogynists and Putin apologists, or that farage was afraid Nick Robinson might throw some difficult questions at him ... despite farages recent practice at quickly cowering in fear.   It was claimed 'it wasn't in Nigels diary'     Nigel Farage pulls out of BBC interview at last minute amid Hitler row WWW.INDEPENDENT.CO.UK ‘Panorama’ special postponed as Reform UK party faces row over candidate who claimed UK would have been ‘better off’ if it had...   Waaahhhh
    • i'd say put lowells to strict proof of where the payment came from. cant hurt to send SB letter, even if proved not. at least they get your correct address. they'd have to link the old IVA times scale to a payment  these IVA F&F pots (if thats where it came from) most mugs dont even know they are not only taking most of your payments on fees but also creaming money off to supposedly offer F&F's.  funny when the IVA fails or is complete these sums of money in F&F pots never get given back or even mentions... these IVA firm directors esp with regard to knightsbridge and creditfix were fined and struck off more times than Paul Burdell of Link Fame and still managed to continue to scam people.
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    • We have finally managed to obtain the transcript of this case.

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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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to be honest, it sounds to me that you have an improperly executed agreement and i would wipe the floor with them.

 

 

MY THOUGHTS EXACTLY

 

ALL AT 8 % APR

NO MORE WELCOME

 

HAS A NICE RING TO IT

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it doesn't on its own make the agreement unenforceable BUT if the policy does not exist, which appears that welcome have done what ycc did, then the amount and details on the agreement are wrong, thus making it unenforceable

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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Hi Forsure

 

Ill Have A Nose Later On Tnight

 

Thanks Post, I will pick up your response in the morning when I drag myself into work........Internet at home is playing up - either that or one of the darling children have broken it !! Hate not being able to keep up with all things CAG ! :-x:D

Forsure

 

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

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anyone got a number for nottingham that they answer?

 

You'll be lucky if you get an answer from anyone in any dept at Welcome. If you do get through, make sure you record the call, they have a nasty habit of spouting c**p ! :)

Forsure

 

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

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Try Mr P In Nottingham

 

0115 984 9200

 

Surprised Mr P hasnt thrown in the towel yet - What a stubborn bugger !!!

 

Has he found a new suit supplier yet I wonder ?? Or is Primark still the number 1 at welcome !! :lol:

Forsure

 

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

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it doesn't on its own make the agreement unenforceable BUT if the policy does not exist, which appears that welcome have done what ycc did, then the amount and details on the agreement are wrong, thus making it unenforceable

 

 

your spot on in what you are saying as post will tell you and welcome are currently chasing there tails and covering everything up as are direct group and norwich union. Where they have fell short on most agreements with insurance is a lack of "needs and demands" and without this the insurance can be deemed a mis-sell as the insurance has to be proven to fit the needs of the customer, this goes for PPI, gap, Vrip and warranties.

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Thanks Post, I will pick up your response in the morning when I drag myself into work........Internet at home is playing up - either that or one of the darling children have broken it !! Hate not being able to keep up with all things CAG ! :-x:D

hi forsure, nice to see you back on board, hope the pregnancy is ok

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needs and demands is NOT the statement of insurance despite what Mr welcome says.

 

if you don't believe me take it to a local broker / insurance company and watch them look at it in disbelief then laugh hysterically

Edited by Us versus Debt

Direct Auto Finance & DLC dispute ongoing.

Offer with confidentually agreement from DLC / DAF DECLINED :D

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quote"

GAP can be used for a used car if the vehicle is financed in a way in which you owe more than the car's current value and thus have negative equity in the vehicle.

GAP insurance is beneficial when the value of a vehicle, whether new or used, depreciates if you still own money on the loan or lease. When you owe more on your vehicle than it is worth this is termed being up-side on the loan and GAP insurance can help you if your car is declared a total loss during this time.

 

GAP coverage provides for the difference between the actual cash value(ACV) amount paid out by your primary insurer if your vehicle is a total loss or stolen and the amount you still owe on the loan or lease. "

 

ie - the statement of insurance for GAP mst have the true actual cash value of the vehicle and not just the amount you are paying.

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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ie - the statement of insurance for GAP mst have the true actual cash value of the vehicle and not just the amount you are paying.

 

 

THIS IS GREAT

 

CAN YOU GIVE A LINK TO CONFIRM THAT PLEASE

 

THIS MEANS ALL WELCOMES CAR AGREEMENTS ARE BUSTED

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needs and demands is NOT the statement of insurance despite what Mr welcome says.

 

if you don't believe me take it to a local broker / insurance company and watch them look at it in disbelief then laugh hysterically

 

 

what im saying is that in order to qualify a customer for insurance then a needs and demands statement must be completed and signed by the customer, that is a basic FSA requirement and your right it is not an insurance schedule. What is your situation with insurance at the moment.

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I want proof that the insurance I am paying for exists.

Welcome have to provide this being the broker, and I have no intention of contacting anyone else after all I am their cutomer not anyone elses.

 

T?his document should have beeen in my hand from day 1, andWelcome know this which explains why they keep trying to palm it off to others - ie NU, etc.

 

Question: would you pay your car or home insurance if they hadn't provided the schedule of insurance?

Of course you wouldn't so why treat Welcome any differently?

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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This Insurance Biz Is About To Bring Welcome To Its Knees

 

Ive Got Two Caggers To Get Enforcement Notice From The Judge To Force Welcome To Release Undisclosed Commission Payments

 

Prudence Last Month/ Welcome Threw In The Towel And Another Next Month

 

I Myself Was Invited Down To Norwich Union Hq In Worthing Sussex After I Hit A Nerve With My Questions.

 

When I Got There I Was Escorted Of The Campus By The Old Bill

 

 

Norwich Union/direct Group/welcome

 

They Are All Corupt

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quote"

GAP can be used for a used car if the vehicle is financed in a way in which you owe more than the car's current value and thus have negative equity in the vehicle.

GAP insurance is beneficial when the value of a vehicle, whether new or used, depreciates if you still own money on the loan or lease. When you owe more on your vehicle than it is worth this is termed being up-side on the loan and GAP insurance can help you if your car is declared a total loss during this time.

 

GAP coverage provides for the difference between the actual cash value(ACV) amount paid out by your primary insurer if your vehicle is a total loss or stolen and the amount you still owe on the loan or lease. "

 

ie - the statement of insurance for GAP mst have the true actual cash value of the vehicle and not just the amount you are paying.

 

 

 

A gap insurance policy does not state the purchase cost of the car, the cost for gap is taken from the purchase invoice and your right GAP clears the finance in the event of an insurance shortfall and your left in negative equity, as the purpose of gap is designed to put you back to where you started. The way GAP is paid out is the underwriters will get a settlement figure from the finance company and negotiate with the insurers on how much they will pay out in the event of a total loss, whatever the difference between the two is, then that is what GAP will pay but it does not have to state the cost of the vehicle on the insurance policy, however it must have the details of the policy holder and the details of the vehicle, i.e reg number.

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I want proof that the insurance I am paying for exists.

Welcome have to provide this being the broker, and I have no intention of contacting anyone else after all I am their cutomer not anyone elses.

 

T?his document should have beeen in my hand from day 1, andWelcome know this which explains why they keep trying to palm it off to others - ie NU, etc.

 

Question: would you pay your car or home insurance if they hadn't provided the schedule of insurance?

Of course you wouldn't so why treat Welcome any differently?

 

 

you need to go back through this thread and have a read, it will really open your eyes to these insurance scams. Belive it or not, the schedules are as much use as toilet paper as they are just printed off on a piece of A4, the issue at the moment is proving that there is an actual policy to back it up

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just had a chat with fsa.

they are very interested. they confirmed that when you are issued with the schedule of interest you then have 14 days to cancel it.

if it ever appears I'll then cancel the gap and get my money back

fsa said I'd be within my rights to do so!

 

he also said he has had several conversations with people today on this topic.

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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post

 

have you got anything for me yet re my pm....

sorry to keep pressing you i know your a little busy,thanks,

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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