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    • Thank you for posting up the results from the sar. The PCN is not compliant with the Protection of Freedoms Act 2012 Schedule 4. Under Section 9 [2][a] they are supposed to specify the parking time. the photographs show your car in motion both entering and leaving the car park thus not parking. If you have to do a Witness Statement later should they finally take you to Court you will have to continue to state that even though you stayed there for several hours in a small car park and the difference between the ANPR times and the actual parking period may only be a matter of a few minutes  nevertheless the CEL have failed to comply with the Act by failing to specify the parking period. However it looks as if your appeal revealed you were the driver the deficient PCN will not help you as the driver. I suspect that it may have been an appeal from the pub that meant that CEL offered you partly a way out  by allowing you to claim you had made an error in registering your vehicle reg. number . This enabled them to reduce the charge to £20 despite them acknowledging that you hadn't registered at all. We have not seen the signs in the car park yet so we do not what is said on them and all the signs say the same thing. It would be unusual for a pub to have  a Permit Holders Only sign which may discourage casual motorists from stopping there. But if that is the sign then as it prohibits any one who doesn't have a permit, then it cannot form a contract with motorists though it may depend on how the signs are worded.
    • Defence and Counterclaim Claim number XXX Claimant Civil Enforcement Limited Defendant XXXXXXXXXXXXX   How much of the claim do you dispute? I dispute the full amount claimed as shown on the claim form.   Do you dispute this claim because you have already paid it? No, for other reasons.   Defence 1. The Defendant is the recorded keeper of XXXXXXX  2. It is denied that the Defendant entered into a contract with the Claimant. 3. As held by the Upper Tax Tribunal in Vehicle Control Services Limited v HMRC [2012] UKUT 129 (TCC), any contract requires offer and acceptance. The Claimant was simply contracted by the landowner to provide car-park management services and is not capable of entering into a contract with the Defendant on its own account, as the car park is owned by and the terms of entry set by the landowner. Accordingly, it is denied that the Claimant has authority to bring this claim. 4. In any case it is denied that the Defendant broke the terms of a contract with the Claimant. 5. The Claimant is attempting double recovery by adding an additional sum not included in the original offer. 6. In a further abuse of the legal process the Claimant is claiming £50 legal representative's costs, even though they have no legal representative. 7. The Particulars of Claim is denied in its entirety. It is denied that the Claimant is entitled to the relief claimed or any relief at all. Signed I am the Defendant - I believe that the facts stated in this form are true XXXXXXXXXXX 01/05/2024   Defendant's date of birth XXXXXXXXXX   Address to which notices about this claim can be sent to you  
    • pop up on the bulk court website detailed on the claimform. [if it is not working return after the w/end or the next day if week time] . When you select ‘Register’, you will be taken to a screen titled ‘Sign in using Government Gateway’.  Choose ‘Create sign in details’ to register for the first time.  You will be asked to provide your name, email address, set a password and a memorable recovery word. You will be emailed your Government Gateway 12-digit User ID.  You should make a note of your memorable word, or password as these are not included in the email.<<**IMPORTANT**  then log in to the bulk court Website .  select respond to a claim and select the start AOS box. .  then using the details required from the claimform . defend all leave jurisdiction unticked  you DO NOT file a defence at this time [BUT you MUST file a defence regardless by day 33 ] click thru to the end confirm and exit the website .get a CPR 31:14 request running to the solicitors https://www.consumeractiongroup.co.uk/forum/showthread.php?486334-CPR-31.14-Request-to-use-on-receipt-of-a-PPC-(-Private-Land-Parking-Court-Claim type your name ONLY no need to sign anything .you DO NOT await the return of paperwork. you MUST file a defence regardless by day 33 from the date on the claimform.
    • well post it here as a text in a the msg reply half of it is blanked out. dx  
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Welcome Finance - This company needs to be banned.


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Postggj - Am I correct in thinking that the broker in the 2 above cases would be liable??

 

I think you do have to go to the POS agent and/or NU - so (and please don't kill me for this) I think Welcome are right - if you got your finance and therefore insurances through a broker it is them you need to seek repayment from.

 

Now if your broker comes back and says they paperwork was sent from Welcome with insurances added or Welcome said insurances were to be taken etc then you would be able to hold Welcome liable but otherwise it is the broker.

 

This may not be a bad thing though - I bet the broker is no where near as geared up for silence like our friends at Welcome.

 

I would send them a written request for a refund on the grounds of misselling asap and see what they say.

 

You may find your broker a lot easier to deal with than the Welcome monkeys

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Postggj - Am I correct in thinking that the broker in the 2 above cases would be liable??

 

I think you do have to go to the POS agent and/or NU - so (and please don't kill me for this) I think Welcome are right - if you got your finance and therefore insurances through a broker it is them you need to seek repayment from.

 

Now if your broker comes back and says they paperwork was sent from Welcome with insurances added or Welcome said insurances were to be taken etc then you would be able to hold Welcome liable but otherwise it is the broker.

 

This may not be a bad thing though - I bet the broker is no where near as geared up for silence like our friends at Welcome.

 

I would send them a written request for a refund on the grounds of misselling asap and see what they say.

 

You may find your broker a lot easier to deal with than the Welcome monkeys

 

Could be worth a try and see what comes of it. May be worth hitting them with an SAR.

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Hi, been reading this discussion from start to finish, after I found it while looking for info on welcome finance, with whom a family member has car finance ( username seemed appropriate). Before I go into too much detail, uninvited, I will just say we now have 2 ppi policies, the original and the one we had posted to us when we phoned to ask if they had any policies in family members name. The only thing the 2 have in common is the policy number :?. The demands and needs statement has a NO to ppi and ticked customers decision, shortfall extra has a YES. Statement of price-Payment breakdown has details of shortfall extra only, agreement has details of ppi only... anyway will not drone on until sure I should be droning here at all :?:?. By the way, thanks for all the info on here that prompted me to inspect original paperwork.

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hi bogeyed - can you clarify if i have this right - you have an original copy of the agreement etc inclding policies taken. You requested Welcomes copy and they have produced a completely different one??

 

If thats the case a report 2 OFT, FSA and Trading standards including your proof

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Hate em!

Heres why_

 

My payment date is the 25th. I pay by debit card as a matter of principle because they charged me £25 for changing my direct debit date.

Anyway, have a guess how many phone calls I received (I wasn't in so they just kept trying and leaving messages

 

("Oh Hi, It's ******* from Welcome, just wondering when your going to be paying this month, as I realise your paydate was 24th, not 25th this month, because 25th Is Saturday, blah, blah, blah")

 

4 times on the 25th and twice more before he caught me in on the morning of the 25th!

Now bear in mind my payment date isn't actually until the 25th, so Im not acually late unless I havene't paid by end of 25th.

 

It's just harrassment like this that makes my blood boil, and I have never missed a payment!

I wouldn't like to think what they would be like if I ever missed one.

I mean, yer it works cuase I keep paying them to avoid the hassle, so tough tactics working I suppose, but I wouldn't use them again if my life depended on it, not a chance!

 

Are they any closer to going under, cause I for one will rejoice?!!!

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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Yes Andie, that is right, amounts, start dates, insurance period all wrong, they got the policy number right and name. but we phoned NU, Not welcome, for any details of policy in family members name, they said they couldn't help and gave us phone number. who said they had details and would send in couple of days. Got letter with direct, doncaster, on envelope and copy of ppi policy headed welcome. Have to wonder why NU couldn't just bring details up on their computer. Anyway will send copies to those places you have mentioned, and will have to take agreement to be checked, because odds are if everything else is incorrect then that might be too. Thanks for help.

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Hate em!

Heres why_

 

My payment date is the 25th. I pay by debit card as a matter of principle because they charged me £25 for changing my direct debit date.

Anyway, have a guess how many phone calls I received (I wasn't in so they just kept trying and leaving messages

 

("Oh Hi, It's ******* from Welcome, just wondering when your going to be paying this month, as I realise your paydate was 24th, not 25th this month, because 25th Is Saturday, blah, blah, blah")

 

4 times on the 25th and twice more before he caught me in on the morning of the 25th!

Now bear in mind my payment date isn't actually until the 25th, so Im not acually late unless I havene't paid by end of 25th.

 

It's just harrassment like this that makes my blood boil, and I have never missed a payment!

I wouldn't like to think what they would be like if I ever missed one.

I mean, yer it works cuase I keep paying them to avoid the hassle, so tough tactics working I suppose, but I wouldn't use them again if my life depended on it, not a chance!

 

Are they any closer to going under, cause I for one will rejoice?!!!

 

They charge £10 per call, so that's their motivation to harrass you :-x

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They charge £10 per call, so that's their motivation to harrass you :-x

 

Er, I hope you are wrong my friend!

How can they charge me for something when I'm not overdue?

Even they aren't that stupid!

Are they?

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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Just out of interest, is there anyone out there who took a loan with Welcome without ppi, and has kept up with repayments that has had any problems with the company? I only ask because I took out a two year loan of about £800 a year ago and everything seems to have been ok so far, but after reading all these posts I'm just waiting for something to go wrong.

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Er, I hope you are wrong my friend!

How can they charge me for something when I'm not overdue?

Even they aren't that stupid!

Are they?

 

Yes Chris - they really are!!

 

I have seen it - people being charged for calls when they pay via card not DD and they are chasing early.

 

I would bet you £20 they added at least 1 £10 call on for each day 24th & 25th!

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Cattles asked accountancy firm Deloitte to review its books to work out what level of provisions it needs to take. Deloitte has completed the ask and PricewaterhouseCoopers (PwC), Cattles' long-standing auditors, are considering the numbers.

i thought del were still in there going through the mess..

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