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    • I have just read the smaller print on their signs. It says that you can pay at the end of your parking session. given that you have ten minutes grace period the 35 seconds could easily have been taken up with walking back to your car, switching on the engine and then driving out. Even in my younger days when I used to regularly exceed speed limits, I doubt I could have done that in 35 seconds even when I  had a TR5.
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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.
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Welcome Finance - This company needs to be banned.


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ok - whose got the contents of that link saved or printed off???

 

Someone please email it too me - I'm thinking I can test this theory after all I'm the next Cagger in court and have a wide latitude in my POC's to be able to get this in.

 

Anyone???

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and here from the most recent FOS article - for all of those that had "optional" PPI already ticked....

 

 

 

A trainee chef, Mr A, complained about the way in which he was sold a payment protection policy when he applied for a credit card. He said he had understood he was being insured, but had not been told that the policy was optional.

He said he was not given any information about the cost or benefits of the policy. And he stated that a representative of the credit card company had simply filled in the application form for him, written a small ‘x’ at the bottom of the form, and then asked him to sign his name next to the ‘x’.

The credit card company rejected his complaint. It said it was clear from the application form that the insurance policy was optional and that Mr A had chosen to take it. The company also said that the insurance premiums were itemised on Mr A’s credit card statement each month, so he must have been aware that he was paying for an additional – optional – product.

 

complaint upheld

We asked the credit card company to send us Mr A’s application form. We noted that on the final page, close to the space for the customer’s signature, there was a ‘tick box’ next to a statement that the customer wanted payment protection insurance. This had been ticked.

The tick in the box, the written details entered on the form, and the small ‘ x’ placed next to the signature all appeared to have been written in the same handwriting, using a ballpoint pen. However, the signature itself looked markedly different and had been written with a thick, felt-tipped pen. This tended to support Mr A’s account of events.

We also noted that Mr A had been 19 years of age at the time of the sale. This was the first time he had applied for any financial product or service other than a basic bank account.

We did not agree with the credit card company that it was clear from the application form that the insurance cover was optional. Nor did we agree that, by signing the form, Mr A had clearly indicated his wish to buy the policy. There was no evidence that he had been told anything about the cover at the time of the sale. And the fact that Mr A’s statement showed that the premium was collected monthly did not mean he must have been aware the insurance was optional.

We upheld the complaint and told the company to return to Mr A all the premiums he had paid to date, plus interest.

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Ok

 

What Is Going On

 

My Link Has Been Stopped/veto/curtail

 

If Ive Done Some Thing I Should Not Then Tell Me

 

Some Thing I Should Know Is There

 

I dont think you did anything wrong Pggj, that link is an out of date bookmarked page apparently:)

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1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

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Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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Found the HTML version, needed a coffee while reading it lol, but it as clear as a bell......Andie, use some of the exact quotes in there and you are going to have a ball in court :D

Dipply75

 

I am in no way a legal advisor and only speak from my own experiences and the helpful advice of those in the same boat! :p

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Welcome Finance is owned by Cattles Group. Cattles Group shares have been suspended, and looks likely to go bankrupt because it cannot pay it's debts.

 

How ironic that a company like this, that preys on the weak and vulnerable, charges them extortionate fees and levels of interest, is unable to pay it's bills !

 

http://business.timesonline.co.uk/tol/business/industry_sectors/banking_and_finance/article6122307.ece

 

If I had an agreement with Welcome Finance (Cattles) I'd be cancelling my direct debit right now, and these clowns wouldn't get another penny of my money.

 

I think if this company went bankrupt on 1st July (deadline for talks with it's Debt Providers), that would be Most 'WELCOME' !

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That's great news, Post! Hopefully someone from the FOS will be able to clarify this once and for all.

 

I phoned the FOS yesterday and was told that as my case has been moved to another department, I could be waiting another 2/3 months before someone looks into it. I was told to start making payments to Welcome in the meantime until the case is finished, so I'm obviously not very happy.

 

:mad:

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Losing the will to live/fight!

 

My solicitor wrote to welscum 12th May with letter before action, although we are still waiting for a reply to our SAR sent in Feb. WElscum have now replied to the letter before action saying they deny liablility for mis selling of PPI.

 

Can somebody please clarify if my secured loan is for 180 months and my PPI cover is for 60 months and was added as a lump sum premium at the beginning of my loan is this a definate case of misselliing, just getting nervous as I think we may have to go to court and if we lose will have to pay their costs.

 

Also If I have the paragraph ' interest will be calculated at the rate of interest on the daily balance outstanding of the total amount of credit and the Acceptance Fee. It will be paid as part of your monthly payments'

 

Will this mena it could be covered under the unenforceable agreement thingy that you are all talking about?

 

Thanks All:)

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Losing the will to live/fight!

 

My solicitor wrote to welscum 12th May with letter before action, although we are still waiting for a reply to our SAR sent in Feb. WElscum have now replied to the letter before action saying they deny liablility for mis selling of PPI.

 

Can somebody please clarify if my secured loan is for 180 months and my PPI cover is for 60 months and was added as a lump sum premium at the beginning of my loan is this a definate case of misselliing, just getting nervous as I think we may have to go to court and if we lose will have to pay their costs.

 

Also If I have the paragraph ' interest will be calculated at the rate of interest on the daily balance outstanding of the total amount of credit and the Acceptance Fee. It will be paid as part of your monthly payments'

 

Will this mena it could be covered under the unenforceable agreement thingy that you are all talking about?

 

Thanks All:)

 

 

do you have a copy of the needs and demands statement that should be completed to prove you want it and more importantly qualify for it... got to ask yourself the question also...what use is a 60 month insurance policy on a 180 month loan... its a clear mis-sell

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Just off the phone to Welcome and had a heated converation with several people.

 

It turns out they don't have a copy of my most recent letter, even though they signed for it!

 

I'm more angry now than before I phoned them. FOS tomorrow with a new complaint.

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Just off the phone to Welcome and had a heated converation with several people.

 

It turns out they don't have a copy of my most recent letter, even though they signed for it!

 

I'm more angry now than before I phoned them. FOS tomorrow with a new complaint.

 

 

got exactly the same response from them, however the signature on the royal mail website looks like a childs scribble... they are there own worst enemy, been waiting for my agreement and SAR for nearly 4 months and have told them no more payments till i get them...idiots...no wonder they have no money

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ok...this is what I have found... I put in the loans for my OH one i have the break down of fee on the other I don't, anyway it seems they have either messed up on the APR or they are doing something else i have yet to fathom...having used 2 different APR calculators.

 

loan 1 total credit 1347.29

interest 667.42

repayments £83.95.......this is the calculation from the APR calculator

If I were to add the acceptance fee at £3.13 payments would go up per month to £87.08

 

 

the amount from welcome is as follows:

total credit £1347.29

interest £593.29

acceptance fee £75

repayments £83.98

 

 

not a bad difference of 3p on the repayments but the £75 was not included in APR calculator and the difference between welcomes interest and the calculators interest is approximately £75

 

do you see where I am going with this? does this make a difference? it in effect means the APR is wrong on the contracts (doesn't it??)

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