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    • That sounds pretty good. My only concern is the bit about the cease and desist letter to Excel, please wait for the guys to comment on your letter. HB
    • No mention of Schedule 4 of POFA = Only the driver is liable, not the keeper. Simply don't tell them who the driver is, which means  don't appeal. From a quick search of the site, yours is the first case I can see with Carparksecurities we've seen here so it'd be excellent if you keep up to date and engage with this thread. General advice is to ignore everything until / unless you ever get a letter of claim.
    • So I am now in receipt of a second Letter of Claim this time from DCBL although their letter head now says " DCBLegal"  😱 Now I'm guessing one response to a letter of claim is sufficient and I could ignore this but having been inspired by other snotty letters I wanted to have another bash at one. How does this sound? Dear Lackeys of Company with Unconscionable Morals, Thank you ever so much for gracing me with yet another Letter Before Claim on behalf of Excel Parking Services. How many of these delightful missives do you plan on sending before you muster the courage to follow through on your threats to take me to court? Just so we're clear, here is the response (in italics by that I mean the slanted text below) I previously sent to Excel’s Letter Before Claim, in case your attention to detail is as lacking as I suspect: I am currently 2-0 up in terms of Small Claims Court proceedings and I look forward to the opportunity to claim a hat trick, this case being more straightforward than my previous two. I will be asking the court for an unreasonable costs order under CPR 27.14(2)(g) due to your conduct over this absurd claim. Despite my best efforts, you continue to assert that I have breached your terms. However, I cannot breach terms that I was not present to accept. Have you even read my initial response? I suggest you review it thoroughly and save yourself some money. Additionally, please refer to section 13 of the IPC Code of Practice, 2023 edition. I eagerly await your deafening silence. Remarkably, I haven't heard a peep from Excel since my response; instead, they've passed the baton to you to perform this tiresome routine once more. Consider this my official notice that I am sending a cease and desist letter to Excel Parking Services. Their relentless hounding has crossed the line into clear harassment. Any further demands for payment from you, as Excel's lackeys, will be regarded as nothing more than shameless acts of intimidation and harassment. I now look forward to the deafening sound of your silence. Yours sincerely,
    • Personally I'd go to it and object for the sake of it. They have to attend anyway so I can't see you being liable for any costs or anything (if they try to ask for attendance costs, just say that firstly it is their application, secondly it is from their own making, thirdly that they would have to come anyway so you shouldn't need to bear their costs.   When you turn up you should object on the basis that the witness has been in office since the time of the order, and could have done their witnes statement in advance of their AL. Their poor planning is not your fault, 7 days is too rushed for you as a LIP and there is no good reason that a company can't organise itself to sort WX in time. Also they say finalise so they already have something, its not like thye have nothing. Their amendments cannot be so important if they are being added so late.   see what @AndyOrch says but that's my thoughts  
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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.

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Welcome Finance - This company needs to be banned.


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Well If You Were A Venture Capalist

 

Would You Buy These Accounts

 

I Dont Think So

 

:rolleyes: Mmmm, I bet the leeds loosers will give it a try though!:rolleyes:

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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Thats

 

Lowlifes (lowells)

 

for those of you who are wondering what im beating my gums about!!

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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:)

My opinions are my own and not those of anyone else :D

 

<<<<<<<<<<<<<< If you find me helpful please click on my scales

 

http://www.consumeractiongroup.co.uk/forum/credit-reference-agencies/211007-equifax-your-time-has.html

 

SIGN THE PETITION TO STOP CREDIT REFERENCE AGENCIES RECORDING DATA WHEN NO CREDIT AGREEMENT EXISTS - SEE FORUM POST

http://www.consumeractiongroup.co.uk...ml#post2370021

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Well They Would Buy A Dog Turd If They Thought A Profit Was In It

 

 

:lol::lol::lol::lol:

 

OOOO you do have a way with words, Post!!:p

 

:lol::lol::lol::lol:

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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Regarding 23rd Oct

 

Delisting is not a one-way street, if Cattles are delisted then they can be relisted in the future if they get taken over.

 

Petition to: reduce the time Credit reference agencies hold data for to 3 years. | Number10.gov.uk

Take Control

! Use excel to document all your income and outgoings !

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Well Who Will Take Them Over

Any Takers

 

Cif Was The Only Part Of Cattles That Made Any Money, Thats Now Gone

 

The Bond Holders Are Now Running Cattles Down

 

Getting There Last Drop Of Blood

 

Who Is Willing To Lend 1.5 Billion On Such A Corupt Company

 

The Mass Resignation Of Its Directors Says It All

 

Rats Leaving A Sinking Ship

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so what will happen to all of welscums customers?

My opinions are my own and not those of anyone else :D

 

<<<<<<<<<<<<<< If you find me helpful please click on my scales

 

http://www.consumeractiongroup.co.uk/forum/credit-reference-agencies/211007-equifax-your-time-has.html

 

SIGN THE PETITION TO STOP CREDIT REFERENCE AGENCIES RECORDING DATA WHEN NO CREDIT AGREEMENT EXISTS - SEE FORUM POST

http://www.consumeractiongroup.co.uk...ml#post2370021

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RBS is Cattles biggest lender so I see them writing of the loss leaving a profitable company and this would also be ethical from the goverments point of view keeping people away from loan sharks.

Take Control

! Use excel to document all your income and outgoings !

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RBS is Cattles biggest lender so I see them writing of the loss leaving a profitable company and this would also be ethical from the goverments point of view keeping people away from loan sharks.

 

 

NOW WHO IS THE LOAN SHARK IN ALL THIS

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17 days to go, I cant wait that long lol. The anticipation is killing me!!!

 

I hope it will be good news for all us who have been conned to the hills by them.

 

 

17 Dyas to go for what?

Have I missed something?

Hope it's good news!

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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17 Dyas to go for what?

Have I missed something?

Hope it's good news!

 

I askd the same

 

"Cattles Have Till The 23 Of This Month To Come Clean On Its Accounts

 

If Not, Which Is Certain, Cattles Will Be Ejected From The Stock Exchange

 

They Have There Shares At The Moment Suspended"

 

that little gem passed me by:rolleyes:

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might be being thick but if my monthly interest rate is1.5% should the rate of inetrest per annum then be 12x1.5% = 18%

 

Hello rach8736. Since the interest is compounded the actual formula for calculating the annual interest rate is 1.015 raised to the power 12. That gives 19.56% per annum. Please be aware though, this is not the APR, that is worked out using a far more complex formula. If I could work out how to drive DualCalc I could work it out for you, but I am having brain fade at the moment.

:confused:

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hi post,

did you get my pm last night?

My opinions are my own and not those of anyone else :D

 

<<<<<<<<<<<<<< If you find me helpful please click on my scales

 

http://www.consumeractiongroup.co.uk/forum/credit-reference-agencies/211007-equifax-your-time-has.html

 

SIGN THE PETITION TO STOP CREDIT REFERENCE AGENCIES RECORDING DATA WHEN NO CREDIT AGREEMENT EXISTS - SEE FORUM POST

http://www.consumeractiongroup.co.uk...ml#post2370021

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Am so loving this thread! i have a secured loan with Welcome (I know, I know!! I was desperate). I defaulted, heard nothing from them (except for the odd and incorrect statement). Then, out of the blue, I rec'd a Final Demand from Lewis (including £8,500 over the amount borrowed). I immediately CCA'd them (10 days ago). No reply, just a letter today from Howard Cohen 'Notice of Pending Legal Action' (adding another £410 to the bill), listing all the usual threats (bailiffs, salary deduction, debt secured against property - oops, guess they don't know it already is?).

 

Welcome is a bad joke. Should I send in a SAR? If so, to Howard Cohen, Lewis or Welcome?

 

How do I subscribe?

 

Thanks to all you intrepid UnWelcomers!

 

CXX

 

Well, I CCA'd Lewis. They replied today, advising me that they are 'not the Creditor in this matter. The Creditor is WFS and we are merely instructed to act on their behalf.....We therefor return your £1.00 fee and suggest that you submit your request to: the Compliance Dept', etc.

 

Is this some kind of delaying tactic? I've also sent them a SAR, suppose I'l get the same reply.

 

Meanwhile, should I reply to Howard Cohen?

 

HUGE thanks!!! CXX

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