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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.
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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.
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Welcome Finance - This company needs to be banned.


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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.

 

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

 

 

welcome must be worried

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on the subject of secret commisions was anyone else introduced to Welcome by a third party as we were and if so were you told what commision they were paid for the introduction and how that commision was to be paid ie. worked into your repayments I have requested these details from welcome but do not expect a response.

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on the subject of secret commisions was anyone else introduced to Welcome by a third party as we were and if so were you told what commision they were paid for the introduction and how that commision was to be paid ie. worked into your repayments I have requested these details from welcome but do not expect a response.

 

 

the only way you will get that info is through an enforcement order from the court

 

request it if welcome take you to court

 

they soon back down and withdraw

 

any undisclosed commission payments invalidates the agreement

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to true mojo

 

in the event of a claim

 

why do welcome deal with it

 

phone up direct group to claim and for some reason they answer welcome

 

I justv wish the FSA had a bit more bottle and waded into these companies and read them the riot act to them.

 

Post, a quick question... when welcome con you into a policy, how are our details communicated to the direct group from welcome and to NU from DG, i would have thought by e-mail or fax but at least by recordable medium and if that is the case then a dated copy of this info should be obtainable, surely.

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I justv wish the FSA had a bit more bottle and waded into these companies and read them the riot act to them.

 

Post, a quick question... when welcome con you into a policy, how are our details communicated to the direct group from welcome and to NU from DG, i would have thought by e-mail or fax but at least by recordable medium and if that is the case then a dated copy of this info should be obtainable, surely.

 

 

 

from welcome to direct group the data is sent by pc

 

direct group to norwich union, no idea

 

ive never believed nu get involved, except payment for using its name

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"The margin for error on APR is 1% below and 0.1% above "

 

anyone know where this is documented?

Is it included in cca 74?

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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"The margin for error on APR is 1% below and 0.1% above "

 

anyone know where this is documented?

Is it included in cca 74?

 

 

it is in the cca

 

peter barred has delt with this earlier on this thread

 

happy hunting as its a very long thread

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I SEE WHAT YOU ARE SAYING BUT KNOWING WELCOME AS I DO

 

THEY WILL SAY CONTACT DIRECT GROUP WHO ADDMIN THE POLICIES

 

DIRECT GROUP WILL SAY GO TO WELCOME

 

 

IME LOOKING INTO THIS AND MENY THANKS

 

In my case it was DIRECT GROUP who said to go BACK TO WELCOME..WELCOME SAID GO BACK TO CARCRAFT/UCAN!!! :confused:

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yes, but I say I am Welcome's customer and I'm not doing their work...

Earn your pennies legitimately for once Welcome

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 All

 

Sorry been off forum for a while - Just playing Devil's advocate on thsi 14 day rule thing. Please bear in mind the 14 days is the time they should stay away from you - what is to stop them saying YOU approached them BEFORE the 14 days was up???

 

Not much - and a fabricated entry on to your account will go a long way and how do you disprove a lie like that??

 

Very difficult me thinks - SORRY :confused:

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Regarding the insurance thing - when I started kicking off at Direct Group I recieved my policy booklet - I just put them in my Welcome File and only read them about a month after recieving them and lo and behold in there it says you have 14 days to cancel from recieving the policy paperwork.

 

Now if only i'd read that before!!

 

So if anyone hasn't ever had one - request it from DG then you have 14 days to cancel - it's in their paperwork - JOB DONE!!!

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Hi All

 

Sorry been off forum for a while - Just playing Devil's advocate on thsi 14 day rule thing. Please bear in mind the 14 days is the time they should stay away from you - what is to stop them saying YOU approached them BEFORE the 14 days was up???

 

Not much - and a fabricated entry on to your account will go a long way and how do you disprove a lie like that??

 

Very difficult me thinks - SORRY :confused:

your right andie, i think i fell lucky as i have a dated letter from them less than a week later telling me my money will be in the account next day. :D

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Yes Mojo - but what is there to say YOU didn't approach them and break the 14 days?? If you approach them they can act in the 14 days - that is my point

your right andie, i agree with what your saying but like post says the law has to be obsevered and they have a duty to not respond to any requests from us and no matter how much we call them, they still have to act responsable and wkithin the law..... but i do get what your saying

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

 

Hi Mojo.....thanks !!

 

Pregnancy is not going to well, and is certainly not helped by that shower of s**te !!! I am now taking 3 lots of tablets and have been told I must wear a support bandage from my breastbone to the tops of my legs in order to keep my back somewhat pain free !!!

 

Needless to say I am not in the mood for Welcome at the minute, but I could quite happily slap Mr P once or twice - no judge in the land would ever convict me :lol:

 

Am I also right in saying Welcome have gone down the swanny now ??:confused:

Forsure

 

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

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Hi Mojo.....thanks !!

 

Pregnancy is not going to well, and is certainly not helped by that shower of s**te !!! I am now taking 3 lots of tablets and have been told I must wear a support bandage from my breastbone to the tops of my legs in order to keep my back somewhat pain free !!!

 

Needless to say I am not in the mood for Welcome at the minute, but I could quite happily slap Mr P once or twice - no judge in the land would ever convict me :lol:

 

Am I also right in saying Welcome have gone down the swanny now ??:confused:

 

sounds very technical nowadays having a baby. Good that you are ok though. I dont think welcome have gone down the swanny..welcome car finance have ceased trading and i think also cattles invoicing is on its way out.., dont think it will be long though.

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Is there any good news on the Welcome demise front?

 

Are they still hanging on by a thread?

Welcome Finance PPI ***WON***£650

 

Black Horse PPI ***WON*** £1200

 

CL Finance-County Court Claim-***WON***(well sort of-stopped them continuing with the claims)

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