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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.  
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Welcome Finance - This company needs to be banned.


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Oh yes I am going to send details of this thread to the nice chap I saw today.

 

Somehow, I think that he is going to be in for a shock at WF's problems and naughty activities.

 

Oh yes I told him prepared for a long read as WF's thread is over 400 pages long.....:shock:

 

Voda

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I worked for this terrible company much to my shame glad to leave and be unemployed as the presure and total lack of ethics discusts me.

 

 

 

And did you ever manage to get a full nights sleep???

 

Like Fester says...BLOW THAT WHISTLE!!!

 

On here, would be a start ... unburden that heavy load you must have on your shoulders!!!!

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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Very interesting read, the writing has to be on the wall.

 

Going back to when I went over to their Feltham Branch earlier, I was disappointed that nobody answered the entryphone bell as the little devil inside me told me to say " Hi, I need an unsecured loan today and I am desperate. Can you help me please ".

 

I wonder what their reply would have been.

 

Any guesses guys?

 

Voda

 

 

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Hi again everyone,

 

Over the weekend, I am going to contact Watchdog and a thread that is over 400 pages long should be of great interest to them.

 

If any ex-Welcome employees would like to PM me, then I await your message with great interest.

 

I would be happy to meet up with anyone from here and go to see their research team in person and/or meet somewhere in private as you don't know me and I can then prove that I am a Welcome customer and totally genuine.

 

Bye for now

 

Voda

 

PS. I would love to see this shower on the box.

 

Hi Andie 303 & Postggj,

 

Some time back, I mentioned about approaching BBC 1's " Watchdog " about Welscum.

 

BBC - Watchdog - Got a story

 

Have you had any more thoughts on the matter?

 

Anne Robinson is returning to the programme and she is formidable.

 

Anne Robinson - Wikipedia, the free encyclopedia

 

I used to know Roger Cook of " The Cook Report " back in the 70's and they are of the same ilk.

 

http://en.wikipedia.org/wiki/Roger_Cook_(journalist)

 

Also I see that some ex-employees of Welscum are coming on here so apart from our side of things, they could be very useful to support us with a lot of inside information.

 

I am very keen to approach the Beeb now.

 

Please let me know a.s.a.p.

 

Take care

 

Voda

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I know this has been mentioned in the thread earlier but I had a sec. loan with Welcome, got into arrears and back in November they offered to rewrite the loan and lower my monthly figure, i thought that would be a great help to my wife and i. At that time i had never heard of this site so We accepted the rewrite. I went into the local office to sign the agreement and my wife was going into the office the following day to sign. Their rep said there was no need for my wife to sign the agreement:idea: even tho our mortgage and this sec. loan was in joint names. Also they've never sent a copy of the agreement to us...i wonder why??? I'm thinking after reading this thread and a lot of other threads that our agreement would seem to be unenforceable...what do you think?

 

Hello Nello, and sorry to be so behind the times with this reply. I notice that in June Postggj advised you to send a CCA request to Welcome. Did they ever respond to this? I have not seen any other posts from you subsequent to that.

 

Certainly the re-written agreement should have been signed by both of you if the first agreement was. I would also advise sending a SAR. In particular you are interested in seeing their internal notes on the computer about the loans, particularly the re-write. It might make for very interesting reading.

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I notice Andie was on last night, so this is a question for her, and anyone else who might know the answer.

 

A little while ago Andie noticed that Welcome had carried out a number of searches on her credit file, prior to their appearance in court with her. My partner is having the same problem (not that we seem to be anywhere near court yet). We have challenged their right to do this, since I believe their loan agreements do not give them authority for ongoing searching of your file (reporting, yes, but seaching, no). (I am aware of phrasing in newer agreements from other finance institutions that gives them authority to conduct seaches like this if they feel they have a valid reason.)

 

Currently we have asked them for a full copy of the agreement, legal charge and various other documents under CPR 31.16 protocols. At the moment we only have a photocopy of the front page of her agreement, without the terms and conditions that I presume were on the back.

 

So the question is, do they have authority to conduct such searches? And if not is there something we could do to make them desist? I am thinking here along the lines of a court order under some section of the Data Processing Act.

 

Thanks to anyone who can give some pointers.

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i have just looked at my credit report and welcome have yet again changed my loan to 37 months instead of 36 i have reported this 3 times to credit expert each time they put it right and it goes back to 37 months again anyone know if anything can be done about this

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Hi Traz39,

 

I received my Credit Report from Experian the other day too.

I have just checked it out and it says this:

 

1) Welcome Financial Services Ltd - Loan ( for my car)

 

Monthly payment £xxx over 37 months. Settled

 

This is why they called me after the loan was paid for and said that I was 1 payment short. They checked and apologised after I got angry and said that I had paid all 36 payments !!!! G ' rrrrrrrrrrrrrrrrrrrrrrrr

2) Welcome Financial Services Ltd - Loan

 

Monthly payment £xxx over 49 months - Settled

 

3) Welcome Financial Services Ltd - Loan

 

Monthly payment £xxx over 73 months - Ongoing

 

So they have done this to me as well.

 

I am going to call Experian right away.

 

Voda

 

 

 

i have just looked at my credit report and welcome have yet again changed my loan to 37 months instead of 36 i have reported this 3 times to credit expert each time they put it right and it goes back to 37 months again anyone know if anything can be done about this
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Hi again,

 

Just spoken to a lovely bloke at Experian .....:D

 

He said that this happens a lot with Welcome ....:lol:

 

Anyway he will amend my record and advise Welcome that this has been done.

 

He also said that whenever they advise a company that a record has been changed, they also advise the company concerned to amend their monthly tape records to prevent the record going back to it's pre-amended state.

 

He said that this happens a lot with Welcome's clients reports....:mad:

 

Another case of this muppet company's gross inefficiency.

 

I will get a letter from Experian telling me that my report has been amended in due course.

 

Let's see if Welcome heed their instructions.

 

Somehow I doubt it and this is why our records after amendment, go back to as they were before.

 

Voda

 

 

 

Hi Traz39,

 

I received my Credit Report from Experian the other day too.

 

I have just checked it out and it says this:

 

1) Welcome Financial Services Ltd - Loan ( for my car)

 

Monthly payment £xxx over 37 months. Settled

 

This is why they called me after the loan was paid for and said that I was 1 payment short. They checked and apologised after I got angry and said that I had paid all 36 payments !!!! G ' rrrrrrrrrrrrrrrrrrrrrrrr

 

2) Welcome Financial Services Ltd - Loan

 

Monthly payment £xxx over 49 months - Settled

 

3) Welcome Financial Services Ltd - Loan

 

Monthly payment £xxx over 73 months - Ongoing

 

So they have done this to me as well.

 

I am going to call Experian right away.

 

Voda

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Welcome Finance > Branch > Video Text

 

Sounds like a great place to work, where do I sign up? ;)

 

:eek::eek: The local pshyciatric unit sounds like a good place to start!!

(no offence intended):)

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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:eek::eek: The local pshyciatric unit sounds like a good place to start!!

(no offence intended):)

 

I like the bit of going out on a nice cold winters night when its dark - Is Carol coming too.

 

We sing on the door step - Oh come all ye faithful - joyful and triumphant - Lowellleeee oh Lowwellllle peace and CCJ's on earth.

 

Remember when they cant manage the finances we have too - so they need food and heating bah humbug! - Pay your loan.

 

We charged you PPI but your ill and it doesn't cover you - BAH HA HA HA - it covered us.

 

Why the red (debt collecting) opps i mean face you want your children to enjoy christmas. Well should have gone to Yes Car Credit (sadly they went bust) lol

 

opps - Sorry couldn't help myself lol.

 

What a joke the site is - should apply for the hell of it. :D

 

lol

SBFIDO

 

Accredited Member of the CIEH

 

No more will I be bullied or harassed.

 

When informed that the call is recorded for training and monitoring I always say I don't want it used for training. :razz:

 

I always ask for the ICO registration information - they often dont have it, shame i never discuss my personal data unless I know they comply with the DPA.

 

Finally I always record calls and state at the start of there call. Although I don't have too.

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Hi Guys,

Hope someone can help.I am new to the site so please bear with me if this question has already been answered somewhere.

My daughters boyfriend took out a loan with Welcome last November for £2500,PPI £1275 and Interest £1701.:-x

He is not money savvy at all and as someone said in an earlier post Welcome appear to target people who do not understand the implications of what they are signing.He says that all the time he was there the person never stopped talking/asking question etc and he was really confused but he needed the money they were going to give him so he just signed when they told him to.

I really think he may have been mis-sold this PPI as he didn't really know what it was.

He and my daughter are now living together and know that this loan must be repaid but I wondered if it is worth trying to reclaim the PPI or are we too late because of the position Welcome are in now.

Also he hasn't got a bank account and they telephone every week for a payment.My daughter gave them her Debit card details and now they have stopped phoning and just take the payment anyway.

I was going to write the first letter re the reclaiming for him tonight but just wanted to ask on here first.

Any thoughts on the above would be much appreciated.

 

Thank you

Dawnytrish.x

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Hi guys,

I found this thread after recieving a call from WF on Friday. I have been paying by direct debit on the 1st of the month with no missed payments then for no reason other than to raise funds WF want to take their payment on the 31st of the month. At first I thought no problem then it occured to me do they want to take one at the end of this month? So I asked the question to be told "yes". Well this means two payments in the same month which I can't afford but they don't care.

 

I have also been getting almost weekly calls asking if I want to up my payments. In my opinion this company does not have the funds to continue trading so they should pack everything up and go to the dole queue along which the staff already made redundant.

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Guest cowboyjr

Hi,

 

I took out a loan with WF 3yrs ago. Have paid every month on time with no problem and still have some way to go before I have finished paying. This week the phone started ringing and it was WF wanting to speak to me. So far they have left two voicemail messages. I never answered the calls and after reading the posts in this thread I think I am probably better off just continuing to ignore the calls. No doubt if I answer they will want to either up the paymens or move the date, or attempt to set up a new contract and try to do me over.

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plenty of welcome fighters on this thread to help

 

remember

you have a contract

 

they can ask for higher payments/change dd date etc

 

but getting it is a different matter

 

just tell them you are happy with the curent arangement and bog off

 

not long now

soon be all over

then no phone monkey as its ub40 time

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