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    • Thanks @lolerzthat's an extremely helpful post. There is no mention of a permit scheme in the lease and likewise, no variation was made to bring this system in. I recall seeing something like a quiet enjoyment clause, but will need to re-read it and confirm. VERY interesting point on the 1987 Act. There hasn't been an AGM in years and I've tried to get one to start to no avail. However, I'll aim to find out more about how the PPC was brought in and revert. Can I test with you and others on the logic of not parking for a few months? I'm ready to fight OPS, so if they go nuclear on me then surely it doesn't matter? I assume that I will keep getting PCNs as long as I live here, so it doesn't make sense for me to change the way that I park?  Unless... You are suggesting that having 5 or so outstanding PCNs, will negatively affect any court case e.g. through bad optics? Or are we trying to force their hand to go to court with only 2 outstanding PCNs?
    • That is so very tempting.   They are doing my annual review as we speak and I'm waiting for their response once I have it I will consider my next steps.    The debt camel website mentioned above is amzing and helping to. Education me alot    
    • Sending you a big hug. I’m sorry your going through this. The letters they send sound aweful, and the waiting game for them to stop. But these guys seem so knowledgable and these letters should stop. Hang in there, and keep in touch. Don’t feel alone 
    • In my time I've never seen a payout/commission from a PPC to a landlord/MA. Normally the installation of all the cameras/payment of warden patrols etc is free but PPCs keep 100% of the ticket revenue. Not saying it doesn't happen mind. I've done some more digging on this: Remember, what your lease doesn't say is just as important as what it does say. If your lease doesn't mention a parking scheme/employment of a PPC/Paying PCNs etc you're under no legal obligation to play along to the PPC's or the MA's "Terms and conditions". I highly doubt your lease had a variation in place to bring in this permit system. Your lease will likely have a "quiet enjoyment" clause for your demised space and the common areas and having to fight a PPC/MA just to park would breach that. Your lease has supremacy of contract, but I do agree it's worth keeping cool and not parking there (and hence getting PCNs) for a couple months just so that the PPC doesn't get blinded by greed and go nuclear on you if you have 4 or 5 PCNs outstanding. At your next AGM, bring it up that the parking controls need to be removed and mention the legal reasons why. One reason is that under S37(5b) Landlord and Tenant Act 1987,  more than 75% of leaseholders and/or the landlord would have needed to agree, and less than 10% opposed, for the variation to take place. I highly doubt a ballot even happened before the PPC was bought in so OPS even being there is unlawful, breaching the terms of your lease. In this legal sense,  the communal vote of the "directors" of the freehold company would have counted for ONE vote of however many flats there are (leases/tenants) + 1 (landlord). It's going to be interesting to see where this goes.  
    • @Whyisitthisthank you very much for asking. I am still feeling anxious, especially when someone rings the doorbell, or when I receive a letter I feel a it paranoid. I stopped going to the shops unless I really have to. I shop online now. When I see security I feel paralised. 
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Welcome Finance - This company needs to be banned.


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You Can Not Do A Vt With Arrears

 

Have You Got It In Writing That They Have Accepted The Vt And Closed The Account

 

Seen This Come Back To Bite In The Ass To Often

 

surely the closed account is a moot point - if they have accepted a VT - the conditions of a VT is that you give back with nothing due and owing. If OP has in writing they accept VT that should surely be sufficient proof. :confused:

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Unfortunately I hadn't paid half, wish I'd clung on for longer but circumstances meant that the payments were crippling me and although I renegotiated it (stupidly by telephone), Welcome reneged on it and demanded full monthly payments after 1 month into the new payments.

 

 

hmmm yes telephone is not good - how far away are you from half agreement? I would pay up to then and then tell them to take me to court.

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Post - I had a letter setting out the VT and amounts owed etc, although i can't put my hand to it right now, got paperwork everywhere.

 

Andie, I've just checked and I'd paid £2k ish off what turned out to be over £9k for a £5k car (if I could I would kick myself violently believe me) after the vt they halved it, took away my payments I'd made etc and are after £2k now. I don't have it in any way shape or form. Anyway I won't hijack this any longer as I have my own thread, which I'll post on once I get all the CCA and SAR sorted on it. thanks for all the help

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If Its Agreed That The Account Is Closed In Writing Following A Vt, Thats Great

 

Ime Realy Going To Be A Sod Now

 

What About The Outstanding Ppi Etc

 

They Will Come After You For That Unless

 

You Have It In Writing The Account Is Closed

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No PPI as I refused it.

 

The letter setting out all the payments that are required under the VT does just that, it doesn't at any point in there say the account is closed, it does clearly state however that the arrears were £500 ish and just asks that I contact a branch to discuss repayment of the amount owed after VT.

 

This is link to my thread, post 23 has the link to the documents I scanned - hope this works!

 

http://www.consumeractiongroup.co.uk/forum/welcome-finance/194369-some-advice-about-welcome.html

Edited by rubyrox73
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Banging my head against a brick wall with them.!!!

 

No replies to letters..no reply from carcraft..

 

They can sod off!! :mad:

 

I got a replt off my broker sunnie... with two copies of insurance statement of needs documents i had never seen, or discussed before. AND they had my signatures on?

 

exactley the same as they appeared on my agreement hmmmm.

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Hi Andie,

 

The branch (DMP) that I was using has never answered any of my letters and now I am back to the original branch and they will not answer my letters either.....:-x

 

They are a joke company, for sure.....:lol:

 

Nitey nite.

 

PS. Monaco GP this weekend .......:D

 

Not disputing the translation Voda

 

Always interesting when you can read back through posts on user CP :confused:

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I got a replt off my broker sunnie... with two copies of insurance statement of needs documents i had never seen, or discussed before. AND they had my signatures on?

 

exactley the same as they appeared on my agreement hmmmm.

 

cut and paste :eek: try and find a local graphologist to look at them - could be invaluable

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The more that I hear about Welcome Finance, the more they disgust me.

 

Forging signatures etc, unbelievable.

 

There is a new series of Watchdog coming out in the Autumn and I gather that Anne Robinson is presenting it again.

 

What about it guys and gals?

 

Voda

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The more that I hear about Welcome Finance, the more they disgust me.

 

Forging signatures etc, unbelievable.

 

There is a new series of Watchdog coming out in the Autumn and I gather that Anne Robinson is presenting it again.

 

What about it guys and gals?

 

Voda

 

dont think it was welcome this time voda... think it was broker... welcome said i need to take mis slod ppi up with broker as it was them that sold it.

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dont think it was welcome this time voda... think it was broker... welcome said i need to take mis slod ppi up with broker as it was them that sold it.

 

I would doubt - this is Welcome all over - the broker would really have no reason to do this - he would have got commision on the sale anyway - it is Welcome that stand to make all the money of insurance. And it is their paperwork that was forged not the brokers.

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Had letter off the FOS today after I complained about welcome chasing account in dispute and with the Ombudsman they have said they requested that welcome stop chasing the account untill a decision is reached and Welcome told them they are not willing to stop chasing and acording to FOS they are entitled to do this so who is supposed to protect our rights if these companys can just tell the FOS to go soak thier heads.

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a quick question for you???

 

because welcome have been taken to court by us and others and we have won (by default) doesnt that mean that welcome now has ccj's on there business credit file...

 

and that would stop them from having a credit licence????? and stop the banks from lending against irresponable businesses???

 

just a thought

 

i wonder if the office of fair trading the people who issue credit licences know of there ccj's???

 

;)

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hi, I don't want to hijack the thread but have been reading it for the past 3 days..can someone please check out my thread

 

http://www.consumeractiongroup.co.uk/forum/welcome-finance/200394-welcome-finance-ppi-dodgey.html

 

I have a few questions on there please

 

 

(sorry new to this and still learning)

Edited by The wife
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We have never missed a payment to Welcome Finance it was due on 8TH of May but due some mystical problem the direct debit did not clear.

 

I will contact Nat West tomorrow but I just want to warn anyone with dealings with Welcome Finance that they are now sending debt collectors to the door even in this situation. They are **** and would advise anyone contemplating dealings with them DON'T AT ALL COSTS.

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Hi Andie,

 

Great.

 

I'll PM you later and a few of us should get together on this one.

 

Must nip out and do the lottery .....:)

 

 

 

 

 

 

 

I'm in - she'll eat them alive!!
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That's true.

 

I never sign the same way.

 

 

 

Trace 1 signature then lay it over the other & if they match exactly then you have a provable forgery. We never ever sign our signature the exact same way twice
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I got a replt off my broker sunnie... with two copies of insurance statement of needs documents i had never seen, or discussed before. AND they had my signatures on?

 

exactley the same as they appeared on my agreement hmmmm.

 

It will be interesting to see what I get back.!!

 

Hope they have not forged any signatures!!

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That's true.

 

I never sign the same way.

 

Sorry to butt in here but you got me thinking about signatures and i don't remember signing the finance agreement for my car 2 years ago , and when i look at my agreement i find that it isn't my signature on there ! my name but def not my sig ! the dealer signed it ! should i try to make something of this ?

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MMmmmmmm

 

Strange Things are happening !!!

 

Phone call off Area Manager!!

 

Questions being asked about our paperwork!!

Must have been reading up on here!! Never once put the answer to that particular question in writing to them!!

 

Area Manager left his private number with OH, for me to call them back!!!

 

Someones flutter-valve is a fluttering!!! Brown stuff on target for fan...me thinks!!!

 

B-O-2

 

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

LMFAO at the follow up letter !!! God Love em, they are tryers!!

 

:eek: You want me, to contact you, to discuss what i intend to do in relation to your politely written threat letter!:lol::lol:

 

I know its bad taste to quote myself peeps, but i just had to share this crap with you, even if i cant divulge too much into it at the moment.....

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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I love it when they say stuff that you know you haven't told them or that they should ever know.

 

Best example was when I called DG about something and hung up saying I was going to call NU and ask them.

 

I call NU almost straight away and ask to speak with Sue Dewey and the lady says "i'll just put you through - did you say your name was Andie?"

 

Errr no i didn't give you my name but I bet DG did - I laughed for ages at that one.

 

It was also good when NU wrote to me and mentioned about my court action - errr how would you know that me thinks??? :p

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