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    • Your concern regarding the 14 days delivery is a common one. Not been on the forum that long, but I don't think the following thought has ever been challenged. My view is that they should have proof of when it was posted, not when they "issued", or printed it. Of course, they would never show any proof of postage, unless it went to court. Private parking companies are simply after money, and will just keep sending ever more threatening letters to intimidate you into paying up. It's not been mentioned yet, but DO NOT APPEAL! You could inadvertently give up useful legal protection and they will refuse any appeal, because they're just after the cash...  
    • The sign says "Parking conditions apply 24/7". Mind you, that's after a huge wall of text. The whole thing is massively confusing.  Goodness knows what you're meant to do if you spend only a fiver in Iceland or you stay a few minutes over the hour there.
    • Hi and thanks It looks like they ticked all the boxes to me but I'll try and upload the notice. I was wondering if a witness to late delivery might be considered proof - I'm assuming they posted it as normal but Royal Mail stuffed up delivery. If not then they're really saying it just has to be posted within 12 days of the incident, regardless of when it is received. Annoying! edit ok thanks Honeybee here's my 2nd (actually 3rd) attempt at anonymising, copying and uploading the notice! Sorry about the state of it - I sat on it while distracted by my dog 🙃 pcn front.pdf pcn back page.pdf
    • ROFL - dont get upset just because someone (quite a lot of someones) dont want smart meters - well unless you get paid for it .. in which case ...   I assume you haven't been with Octopus long enough to be on one of the very long fixed price tariffs they offered before the prices went bonkers .. and that you dont use your electricity in the evening/lunch time if you think the 'agile type tariffs are good value .. let alone worth installing a smart meter for - high price a good disincentive for an evening cuppa eh? Let alone all your computer/tv etc time in the peak price evening or lunch time. - and boy do those peak prices instantly hammer your bill when those Russian and middle eastern issues kick off.   I would only have considered a smart meter if solar panels had been an option for me - but roof is oriented completely the wrong way. Oh - and My opinion hasn't changed since the smart meter trials 40 years ago, because neither have the issues (well not enough) but I'm happy for you. Be happy for me.
    • Hi. I'm afraid I've had to hide your post with the pdf files to keep this anonymous for you. You've left the PCN reference number and your car reg showing. Could you edit that and repost please? HB    
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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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Hi Peter, Thankyou for all the work you are doing here, it is greatly needed and appreciated.

 

There is so much about this acceptance fee thing, and I apologise if you are sick of hearing about it!

 

What I have found is on the agreement, the TCC is listed as the interest charge and in a seperate box - the acceptance fee.

 

The Total amount of credit is what you borrowed (cash, insurances etc). OK, looks fine as you say.

 

But the statements, the statement of price etc show the acceptance fee being added to that TAC for the interest to be calculated. So I checked the T&C's as you suggested and it does just state "We will open a loan account in your name and debit it with the 'Total Advance'.......the in the acceptance fee T&C is states: "The acceptance fee will be charged by you by being included in the Total Advance".

 

I gues what is confusing me is, if they have done this right and its ok to charge the interest on that fee, why keep denying it to everyone?

 

If you could please Peter, woud you look over my OH's agreement also? I don't see a total amount payable either :confused:

 

http://i303.photobucket.com/albums/nn122/Dipply75/Picture.jpg

http://i303.photobucket.com/albums/nn122/Dipply75/WelcomeLoan2blanked.jpg

 

Thanks again ;-)

 

Hi Dipply - I think this is what I have been trying to say as well - I understand what Peter says about APR being correct because worked out on TCC but I keep thinking that the TCC is wrong because they appear to have added in the acceptance fee to the cash advance. I however, also have that statement in terms and conditions regarding acceptance fee so it appears they can do it. But as you say it does seem strange that they deny it if they are allowed to do it :???:

 

It is confusing but I know a lot more than I did this morning thanks to Peter :)

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dipply

 

there is no total ammount payable on the loan

 

thats a perscribed term that a court cant enforce

 

get peter to give it the once over but ime 99.999% sure

 

 

GAME OVER

 

"No total amount payable"=Game over

 

Does this apply to secured

 

welcsmall.jpg

Take Control

! Use excel to document all your income and outgoings !

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which is the best address to send the sar to? my local office or a different one?

thanks

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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Thanks very much for that Post. I phoned on Friday but they couldn't tell me a thing as was with DJ. I'll try them again tomorrow & report back tomorrow night for your further advice if you wouldn't mind! You are a Star, thanks, P

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I Would Be Very Surprised If Cattles Can Delay The Report For Another Week,

 

Corrected

 

Its Not Cattles But Delute And Touche Doing The Audit.

Sorry For Lousy Spelling.

 

They Have To Get It Rightfor Obviouse Reasons.

 

Banks, Share Dealers , And Us Are All Waiting For The News.

 

Look At This Way

 

If It Was Good News, It Would Have Been Released Long Ago

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Why Do You Think Barclays Dumprd A Load Of Stock On Friday,

They Were Expecting The Release Of Thebad News.

 

Rbs Stand To Loose 500 Mil IN CATTLES At The Tax Payers Expense

Barclays Dont Have That Option.

The Share Price Shot Up Because Speculators Snapped Up The Barclays Share.

 

Nothing Realy Has Changed

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Thanks very much for that Post. I phoned on Friday but they couldn't tell me a thing as was with DJ. I'll try them again tomorrow & report back tomorrow night for your further advice if you wouldn't mind! You are a Star, thanks, P

 

Please:eek: if you must phone make sure you can record the call

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The Shares Were Purchessed By Normal Share Dealing So Is Not Recorded

 

No Major Player Purchessed In One Lump Sum

 

12.5million Shares Just Got The Traders A Bit Excited For A While,

 

Like I Said

 

Nothing Has Realy Changed And The Share Price Will Adjust To This Tommorow

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Its All Over The Investor Forums

Ime Not Only Talking About Welcome But The Cattles Directors And Fraud.

The Sackings

 

They Know Whats Going On

Believe Me

 

They Are Ready To Pick At The Bones And It Wont Be Pretty

 

Blink And You Will Miss It

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dipply

 

thats the first time ive seen this agreement

its crap, rubbish, welcome can go and whistle

 

there is no total ammount payable on the loan

 

thats a perscribed term that a court cant enforce

 

get peter to give it the once over but ime 99.999% sure

 

 

GAME OVER

 

So does it have to state the total amount to be repaid? ie. if the loan is £1,500 and the total for credit (interest and Acceptance Fee) is £700, would they have to state you'd be repaying £2,200?

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