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    • Morning, I purchased a car from Big Motoring World on 10th December 2023 for £14899.00. On the 15th December I had a problem with the auto start stop function of the car in which the car would stop in the middle of the road with a stop start error message. I called the big assist and the car was booked in for February. The BMW was with them for a week and it came back with the auto stop start feature all fine and all error codes cleared on the report from big motoring world. within 5 days I had the same issue. Warning light coming on and the car stopping. I called big assist again and the car was again booked in for an other repair in May. Car was taken back in may, they had the car for a week and returned with the report saying no issue with the auto stop start feature and blamed my driving. Within 5 days of having the car back it broke down again. This time undrivable. I had the rac pick my car up and take to Stephen James BMW for a full diagnostic. The diagnostic came back with the car needing a new fuel system as magnetic swarf was found.  I have sent big motoring world a letter stating all the issues and that under the consumer rights act 2015 I have asked for a replacement vehicle. all reports from Stephen James BMW have been sent over to big motoring world. Big motoring world have come back and said they will respond to my complaint within 14 days for the date of my complaint letter. I am not feeling confident on the response from them, what are my next steps?   Thanks in advance. 
    • That is really good is that a mistake last off "driver doesn't have a licence" I assume that should be keeper? The Court requested me to send the Court and applicant proof of my sons disability from their GP this clearly shows he has Severe Mental Impairement, he is also illiterate.  I naively assumed once the applicant received this that they would drop the claim.  It offends me that Bank has asked the Judge to throw the case out at the preliminary hearing and to make us pay up.
    • Hi, we are looking to get some opinions on weather or not to bother fighting this PCN. This comes from a very big retail park parking where there are restaurants, hotel, amongst other businesses. The parking is free but I suppose there must be a time limit on it that I am not aware of. We were in the area for around 4 hours. Makes us wonder how they deal with people staying in the hotel as the ANPR is on what appears to be a publicly maintained street (where london buses run) which leads to the different parking areas including the hotel.  1 Date of the infringement 26/05/2024 2 Date on the NTK  31/05/2024 3 Date received 07/06/2024 4 Does the NTK mention schedule 4 of The Protections of Freedoms Act 2012? [Y/N?]  YES 5 Is there any photographic evidence of the event? Entry and exit photos however, based on the photographs we are almost sure the photos are taken on public street. This is the location I believe photos are taken from.  https://maps.app.goo.gl/eii8zSmFFhVZDRpbA 6 Have you appealed? [Y/N?] post up your appeal] No Have you had a response? [Y/N?] post it up N/A 7 Who is the parking company? UKPA. UK Parking Administration LTD 8. Where exactly [carpark name and town] The Colonnades, Croydon, CR0 4RQ For either option, does it say which appeals body they operate under. British Parking Association (BPA) Thanks in advance for any assistance.  UKPA PCN The Collonades-redacted.pdf
    • Thank you for posting their WS. If we start with the actual WS made by the director one would have doubts that they had even read PoFA let alone understood it. Point 10  we only have the word of the director that the contract has been extended. I should have had the corroboration of the Client. Point 12 The Judge HHJ Simkiss was not the usual Judge on motoring cases and his decisions on the necessity of contracts did not align with PoFA. In Schedule 4 [1[ it is quite clearly spelt out- “relevant contract” 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; And the laughable piece of paper from the land owners cannot be described as a contract. I respectfully ask that the case be dismissed as there is no contract. WE do not even know what the parking regulations are which is really basic. It is respectfully asked that without a valid contract the case cannot continue. One would imagine that were there a valid contract it would have been produced.  So the contract that Bank has with the motorist must come from the landowner. Bank on their own cannot impose their own contract. How could a director of a parking company sign a Statement of Truth which included Point 11. Point 14. There is no offer of a contract at the entrance to the car park. Doubtful if it is even an offer to treat. The entrance sign sign does not comply with the IPC Code of Conduct nor is there any indication that ANPR cameras are in force. A major fault and breach of GDPR. Despite the lack of being offered a contract at the entrance [and how anyone could see what was offered by way of a contract in the car park is impossible owing to none of the signs in the WS being at all legible] payment was made for the car to park. A young person in the car made the payment. But before they did that, they helped an elderly lady to make her payment as she was having difficulty. After arranging payment for the lady the young lad made his payment right behind. Unfortunately he entered the old lady's number again rather than paying .for the car he was in. This can be confirmed by looking at the Allow List print out on page 25. The defendant's car arrived at 12.49 and at 12.51 and 12.52  there are two payments for the same vrm. This was also remarked on by the IPC adjudicator when the PCN was appealed.  So it is quite disgraceful that Bank have continued to pursue the Defendant knowing that it was a question of  entering the wrong vrm.  Point 21 The Defendant is not obliged to name the driver, they are only invited to do so under S9[2][e]. Also it is unreasonable to assume that the keeper is the driver. The Courts do not do that for good reason. The keeper in this case does not have a driving licence. Point 22. The Defendant DID make a further appeal which though it was also turned down their reply was very telling and should have led to the charge being dropped were the company not greedy and willing to pursue the Defendant regardless of the evidence they had in their own hands. Point 23 [111] it's a bit rich asking the Defendant to act justly and at proportionate cost while acting completely unjustly themselves and then adding an unlawful 70% on to the invoice. This  is despite PoFA S4[5] (5)The maximum sum which may be recovered from the keeper by virtue of the right conferred by this paragraph is the amount specified in the notice to keeper under paragraph 9[2][d].  Point 23 [1v] the Director can deny all he wants but the PCN does not comply with PoFA. S9 [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 only quotes the ANPR arrival and departure times which obviously includes a fair amount of driving between the two cameras. Plus the driver and passengers are a mixture of disabled and aged persons who require more time than just a young fit single driver to exit the car and later re enter. So the ANPR times cannot be the same as the required parking period as stipulated in the ACT. Moreover in S9[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; You will note that in the PCN the words in parentheses are not included but at the start of Section 9 the word "must" is included. As there are two faults in the PCN it follows that Bank cannot pursue the keeper . And as the driver does not have a driving licence their case must fail on that alone. And that is not even taking into consideration that the payment was made. Point 23 [v] your company is wrong a payment was made. very difficult to prove a cash payment two weeks later when the PCN arrives. However the evidence was in your print out for anyone to see had they actually done due diligence prior to writing to the DVLA. Indeed as the Defendant had paid there was no reasonable cause to have applied for the keeper details. Point 24 the Defendant did not breach the contract. The PCN claimed the Defendant failed to make a payment when they had made a payment.   I haven't finished yet but that is something to start with
    • You don't appeal to anyone. You haven't' received a demand from a statutory body like the council, the police or the courts. It's just a dodgy cowboy company trying it on. You simply don't pay.  In the vast majority of these cases the company deforest the Amazon with threats about how they are going to divert a drone from Ukraine and make it land on your home - but in the end they do nothing.
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    • Hello,

      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.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

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      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

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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.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      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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Well it depends on alot of things really...will agreeing a settlement and washing your hands of them get rid of all those defaults on your credit file...

 

If you have a valid claim and you know you have why settle for second best. Have they ever given you an easy route out (until now)

 

What does that tell you about them...

 

Same with me, Why so keen to pick up my car on V.T, and why all of a sudden all this fuss contacting me and allocating me a "complaints co-ordinator" and following up with a "complaints letter" that included a little brochure from the financial ombudsman.

 

There on the ropes

 

Post ggi and andie 303 seeing to that...

 

I personally am prepared to let them default my credit file while i fight this and thats sickening considering its the first time in 6 years i've been able to get a credit card...

 

I could also get the vehicle i currently owe 6K on for 2K on a settlement and walk away with the car which i could part ex and get £4500 towards cost of a new one so i am in excellent position to just dissapear...

 

But like those t-shirts used to say.... FCUK them...

 

Am Not Going Anywhere Till The Fat Lady Starts Wailing

 

GIVE THEM HELL, DONT GIVE IN, EXCEPT NO SUBSTITUTE

They want your car...reason they can take it to some Spiv at Auction and make a few quid to swell up the Cattles closing down hardship fund

 

Let em burn !!!

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the thing is

if welcome would have been straight with me and sorted out my problems, i would not now be on the forum, like most people.

i had to take them to court just to get them to acknowledge any of my letters

 

all the dodgy dealings

 

the ALLEDGED fraud

share manipulation

 

this could go on and on but you get the picture

 

they played the hard ball game and lost

because of welcomes tacticts, its bringing down a ftse 250 company

 

mind you

ive no doubt it was all done with the blessing of the cattles board,

they were content on the bonus cheques

 

people now will not take being ripped off for granted, they fight back

 

your biz model now belongs in the stone age and you are now on the verge of being extinct

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Hi all,

 

Been reading these posts and can't believe how many ppl have been done by wfs. Obviously I am one of them. Just wondered after reading all of these how I stand.

 

Have sent off my SAR letter bout 2 wks ago, not been making full payments on my loan with welcome (have a letter from them stating £*** every month is acceptable) however they have defaulted my credit file 6 times and are hounding me for payments. they are wanting me to go back to original payments and I seriously can't afford it as possible redundancy looming.

 

Can anyone advise best course of action. Not received anything back from them except requesting the £10 payment for documentation which I have paid on 30/6. How long do I wait before doing anything else.

 

Please help, thanks

 

lolly1977,

Tell them to stop hassling you. With that letter they agreed to your payment so they can't change it. If it was me I would also tell them they are lucky getting that much and that you will be trying to agree a lesser next week.

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Well it depends on alot of things really...will agreeing a settlement and washing your hands of them get rid of all those defaults on your credit file...

 

If you have a valid claim and you know you have why settle for second best. Have they ever given you an easy route out (until now)

 

What does that tell you about them...

 

Same with me, Why so keen to pick up my car on V.T, and why all of a sudden all this fuss contacting me and allocating me a "complaints co-ordinator" and following up with a "complaints letter" that included a little brochure from the financial ombudsman.

 

There on the ropes

 

Post ggi and andie 303 seeing to that...

 

I personally am prepared to let them default my credit file while i fight this and thats sickening considering its the first time in 6 years i've been able to get a credit card...

 

I could also get the vehicle i currently owe 6K on for 2K on a settlement and walk away with the car which i could part ex and get £4500 towards cost of a new one so i am in excellent position to just dissapear...

 

But like those t-shirts used to say.... FCUK them...

 

Am Not Going Anywhere Till The Fat Lady Starts Wailing

 

GIVE THEM HELL, DONT GIVE IN, EXCEPT NO SUBSTITUTE

thanks for reply i havent got any default or anything like that my ppi is with fos but thats a previous loan not this one i am not behind with payments but i think i will hang on

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traz

 

hang on for just a little longer

when cattles goes belly up, they will bite your hand off at any settlement figure

its in your interest to hold out

 

i am going to give cattles two more weeks max

 

the regulator and companies house will not stand for much more

cheers post i think i will hang on c what happens i rang yesteday for a settlement but could not give me one problems with system lol:D:D

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For those of you that didn't see on the other thread - I sent a letter to Cattles basically voicing concerns that when I win my case are they going to have the money to pay up as they are obviously in dire straits.

 

Would they provide me with assurance or idemnity that my claim should it be successful would be paid - their answer was NO!!

 

Tells it all really - they will not have enough insurance to cover all the bad claims if they go down - so those of you that have stuff in the pipeline be aware!

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lolly1977,

Tell them to stop hassling you. With that letter they agreed to your payment so they can't change it. If it was me I would also tell them they are lucky getting that much and that you will be trying to agree a lesser next week.

 

 

Thanks EBOY,

 

the most annoying thing is I am honouring my end of the bargain. This loan was originally a secured loan on my house, sold that house in 2006 and have struggled with payments yet they hsven't even changed paperwork from secured loan to unsecured as it is no longer secured on any property cos I don't own any.

 

Frustrating isn't the word

 

Lolly:confused:

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For those of you that didn't see on the other thread - I sent a letter to Cattles basically voicing concerns that when I win my case are they going to have the money to pay up as they are obviously in dire straits.

 

Would they provide me with assurance or idemnity that my claim should it be successful would be paid - their answer was NO!!

 

Tells it all really - they will not have enough insurance to cover all the bad claims if they go down - so those of you that have stuff in the pipeline be aware!

surely the people who take them over should cover this is this not correct

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what does concern me is welcome trying to repo cars now without court orders...they wont be around for any compensation claims etc....

 

what do you think??

I think the best advice would be sit on the cars, no court order no car simple, they seem to be desperately snatching cars back left right and centre....thank christ i never had one of their wrecks, but if i had one right now id be parking it up where they cant find it, because Welcome are on life support and its not gonna be long till they turn off the machine !!

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surely the people who take them over should cover this is this not correct

 

I don't really know I would imagine PPI claims etc no as it is not them that sold it therefore I doubt they can be held liable.

 

When it comes to bad agreements I assume the new owners would be stuck with those and wouldn't be able to do anything about it....

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out of interest - what happened to those that have cars from Welcome Car Finance - are people paying a company that effectively does not exist anymore???

That is the million dollar question Andie...What is going to happen ? Who picks up the pieces ? Obviously administration initially then what ? loans etc sold off to lovely helpfull DCA's ?

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evening al

 

just seen this on the cattles discussion board

 

seems our continued pressure on ppi is starting to upset quite a few people

KEEP IT UP

 

 

ets face it un suspention of the shares is pointless anyway the shares aren't worth the paper they are printed on ctt will most likely never make a profit again thee bad debt inside wfs is far worse than first expected £700 in extra provisioning is as at end of dec 08 there will be far more provisioning required for the period since then no matter what has been said everyone inside wfs knows that bad debt has got far worse since then and with no new lending since end of jan (almost none) the bad debt percentage must be well into the 50 if not fast approaching 60% mark ctt owe approx £2.8bill best way bad debt is 50% of £3.2bill even if it all pays back in the future (which it won't) then we would be £1.2bill short thats without all the PPI misale claims which we are currently stalling on and claims on un-enforceability of loans, unfair charges etc. Face it, its a case of collecting as much back in the next 3-6months to pay back as much of what we owe as possible then wind it down. Anyone that works in WFS operations should have realised that Wednesday when the new blueprint came out

As this post says they are stalling on everything complaints, unfair charges and ppi's. Therefore I feel it's only fair that I stall on payments. It is unbelievable given that poor customer service and dishonesty got them into this mess that they continue follow the same lines. I know if I pay them anymore I won't get any refunds that are due therefore I have to take preventative measures.

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As this post says they are stalling on everything complaints, unfair charges and ppi's. Therefore I feel it's only fair that I stall on payments. It is unbelievable given that poor customer service and dishonesty got them into this mess that they continue allow the same lines. I know if I pay them anymore I won't get any refunds that are due therefore I have to take preventative measures.

 

 

That's what I'm thinking - but if I default ( I already have 3 months missing payments), where do I stand? I want to keep the car - I got lucky and got a sweet car!

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T2upnorth

I don't what I would do in your situation. I only have an unsecured loan. I am pretty sure they have messed up my credit rating long ago. I just hope that this week will decide their future. Perhaps when it comes to your next payment cattles will be no more.

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this has just been posted on the cattles share trading forum

 

says it all

 

Looks like cattles are history now. I can't tell how much I have lost here, but this is the worst possible attitude and approach by the company's management of keeping things in the hiding and not being open and honest to their share holders. They have not come out with a single damn thing about what they are doing. It is extremely frustrating and a feeling of utter incapacitation. I wish and hope that they would be brought to justice in one way or the other.

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this has just been posted on the cattles share trading forum

 

says it all

 

Looks like cattles are history now. I can't tell how much I have lost here, but this is the worst possible attitude and approach by the company's management of keeping things in the hiding and not being open and honest to their share holders. They have not come out with a single damn thing about what they are doing. It is extremely frustrating and a feeling of utter incapacitation. I wish and hope that they would be brought to justice in one way or the other.

ooops !!!:D

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