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    • In both versions the three references to "your clients" near the end need to be changed to "you" or "your" as Alliance are not using solicitors, they have sent the LoC themselves. Personally I'd change "Dear ALLIANCE PARKING Litigation Dept" to "Dear Kev".  It would show you'd done your homework, looked up the company, and seen it's a pathetic one-man band rather than having any departments.  The PPCs love to pretend they have some official power and so you should be scared of them - showing you've sussed their sordid games and you're confident about fighting them undermines all this.  In fact that's the whole point of a snotty letter - to show you'd be big trouble for them if they did do court so better to drop you like a hot potato and go and pursue mugs who just give in instead. In the very, very, very, very unlikely case of Kev doing court, it'd be better that he didn't know in advance all the legal arguments you'd be using, so I'd heavily reduce the number of cards being played.
    • Thanx Londoneill get on to it this evening having a read around these forums I can’t seem to find many success stories using your methods. So how successful are these methods or am I just buying time for him  and a ccj will be inevitable in the end. Thanks another question is, will he have to appear at court..? I am not sure he has got it in him
    • Here's a suggested modified version for consideration by the team. (Not sure whether it still gives too much away?)   RE: PCN 4xxxxx Dear ALLIANCE PARKING Litigation Dept, Thank you for your dubious Letter Of Claim (dated 29th April 2024) of £100 for just 2 minutes of overstay. The family rolled around on the floor in amazement of the idea you actually think they’d accept this nonsense, let alone being confused over the extra unlawful £70 you added. Shall we raise the related VAT issue with HMRC, or perhaps the custodians of the unicorn grain silos? Apart from the serious GDPR breach you’ve made with the DVLA and your complete failure in identifying the driver, we’re dumbfounded that the PCN is still not compliant with the PoFA (2012 Schedule 4 Under Section 9.2.f) even after 12 years of pathetic trial and error. We also doubt a judge would be very impressed at your bone idleness and lack of due diligence regarding parking periods. Especially with no consideration of section 13 in your own trade association's code of practice and the topological nature of the Cornish landscape versus a traditional multi-storey. And don’t even get us started on the invisible signage during the ultra busy bank holiday carnage, that is otherwise known as the random parking chaos in the several unmarked, unmanaged over-spill fields, or indeed the tedious “frustration of contract” attempting to get a data connection to Justpark.  We suggest your clients drop this extreme foolishness or get an absolute hammering in court. We are more than ready to raise the above issues and more, with a fair minded judge, who will most likely laugh your clients out in less time than it takes to capture a couple of useless ANPR photos. If you insist on continuing this stupid, money grabbing quest, after having all of the above pointed out, we will of course show this letter to the Judge and request “an unreasonable costs order” under CPR 27.14.2.g and put it toward future taxis to Harlyn Bay instead.  We all look forward to your clients' deafening silence. Signed, "Spot". (Vehicle Keeper's pet Dalmation).
    • Paying DCA's one penny, never mind £50 per month is a mugs game, they have really been milking him as a cash cow   See where received a claim form is underlined in your post, you need to click, on that and read carefully, then answer the questions, then copy and paste into a post on this thread Forget the CAB ,  their advice is sometimes weird. Is it worth defending? Lowell brought these debts for 10 p in the pound , years ago, because they are flawed. Think about it! if it was such an easy win, Capital one could have taken it to court and crushed him.  It could be an invalid agreement, default notice, or many other things. In a nutshell , yes, and we can help you.
    • Origin moved to EA App... I know this all too well.  Reach out to Customer Services I would to see what they can do. 
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Welcome Finance - This company needs to be banned.


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It's such a shame to see the demise of this great financial institution. I feel sorry for the staff.....

 

 

NOT!!!!!

 

 

the staff can kiss my peachy ass for all i care, i hope they go through the same situations they have put us through......

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Well They Have The Skills To Be A Collector For A Dca

Being [edit]

Any Dca In Nottingham

 

Allright

Ill Accept Cagboot On That Statement Even Though True

 

 

quite right post but probrably not intelligent enough to be a DCA

 

To be a DCA you have pass certain tests:

 

1. Spell there own name correctly..... this is where most DCAs fail....but to be honest anyone can spell t..t

2. Be able to Sell there granny to the highest bidder.....

3. Be able to threaten a single female until she cries.....normally mastered after one training session

4. be able to Act dead hard in front of a 10 year old....again normally mastered after one training session

5. Be able to lie, cheat, have no manners, deceive, threaten and be plain pig ignorant.

 

... actually come to think of it... i think you may be right post...

Edited by steven4064
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Hi All

Can anyone suggest anything we can do further to get WF off our credit record? With great help on here (especially postggj), we had a CCJ set aside then Cohens 'discontinued' before it went to trial. However, that still leaves us with a blot on our credit file (no Default tho) of missed payments showing. Also we were surprised to receive a Statement from WF the other day, with added Court Costs! I was told on here that the debt could not be sold to a DCA now - how can that be? And if they are sending us Statements then surely they can just start the whole thing off again?!!!

Any help or suggestions as to where I can get further help on this will be much appreciated.

Thankyou everyone, Pru

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Just a thought... maybe we should analyse the frequency and volume of WF disputes over the last few months... I'm curious if they will be increasingly aggressive with their chasing, partly to attempt to sweeten the books for any potential buyer, but also because their dogs, sorry I mean agents, are looking for one more fat commission before the fat lady sings, and they have to sing for their supper... just a thought

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I think what is obvious is that they are using every tatic possible to delay any complaints against them. I am just surprised they hjaven't been handed a big fine yet for failing to provide basic details. If they do somehow manage to pull thru the complaints won't just disappear.

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Ill Have A Good Look Tomorrow Ghostdebt

 

Hello Postggj,

 

Just wondered if you had the chance to look at the agreement in post #6771 yet.

I can't get the figures to add up at all and have tried several combinations.

 

Many thanks.

-

PLEASE NOTE - I am not a legal expert, my comments are based on information learnt or

obtained and from my own experiences.

-

Case 1 - C L Finance - Court Case 'Stayed' :-). Stay Lifted - N149 AQ Received & Filed. Case Struck Out :grin:

-

Case 2 - C L Finance - Defence Filed. N150 AQ Received & Filed. Case 'Settled by Consent' :)

-

Case 3 - EOS Solutions - No Agreement - Account Closed ~£3500. :grin:

-

Advice & opinions offered freely but informally, without prejudice & without liability.

Use your own judgment and seek advice from a qualified and insured professional if you have any doubts.

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Just a thought... maybe we should analyse the frequency and volume of WF disputes over the last few months... I'm curious if they will be increasingly aggressive with their chasing, partly to attempt to sweeten the books for any potential buyer, but also because their dogs, sorry I mean agents, are looking for one more fat commission before the fat lady sings, and they have to sing for their supper... just a thought

Thats happening already, like i pointed out last Friday they have offered me a 50% discount if i pay in one lump sum, they are trying to desperately to swell the Cattles coffers in a lame hope that someone might be silly enough to purchase whats left of the disgusting excuse of a company.

Welcome Finance is dying and i for one am enjoying every second of watching these parasites squirm.

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Yes very strangely they have given me a 21 day "Once in a lifetime" "Do not miss this offer to pay off your loan"....Cheeky barstewards, It sounds a bit like a DFS xmas advert...Im certain if i dont pay (and i have no intention of) that they will "extend this offer".I dropped the letter into my solicitor yesterday, he's on annual leave till a week Monday....with any luck Welcome will be history by then !!!

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hi eeezzzyy,

i had the same offer from them, 50% reduction of the hp for my car.

i still had over 6k to pay on the car, reduced to 3100.

valid for 31days.

got it reduced again on the 30th day. paid just 2500 to clear hp on car.

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Hello, I work in sales at WFS...they're a fantastic company to work for, but I'm guessing most of you don't care about our free vending machines and fresh deli sandwiches...

 

i wonder if they still have free deli sandwhiches and free vending machines...i bet this chap is long gone...goooooner

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Hello, I work in sales at WFS...they're a fantastic company to work for, but I'm guessing most of you don't care about our free vending machines and fresh deli sandwiches...

 

i wonder if they still have free deli sandwhiches and free vending machines...i bet this chap is long gone...goooooner

 

 

probrably not as the bill wont have been paid to the vending machine company....

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Cattles, the beleaguered UK subprime lender, said it had defaulted on an interest payment due to its bondholders on Sunday.

 

In a market statement yesterday, Cattles said that holders of about £400m of a 7.125 per cent bond due for repayment in 2017 had not received the interest payment due on July 5.

 

The bonds were last quoted at 11.5p in the pound on Friday, according to data from HSBC.

 

Cattles has been in talks with its debtholders for some time and last Wednesday dismissed six senior executives, as well as announcing the departure of David Postings, its chief executive, following an independent review of the company.

 

Questions had been raised after the revelation in March that the lender had incorrectly deferred impairment charges on its loan book. The error led the company to underestimate its bad debts by about £700m.

 

Trading in the shares of the company has been suspended since April.

 

Cattles' statement yesterday added that it continued to be in "constructive discussions" with its finance providers and that a further update on the situation was expected soon.

 

The July 5 bond payment was the first of two deadlines faced this month by the company. It has been in talks with a syndicate of 22 banks, led by Royal Bank of Scotland, to refinance £500m of wholesale funding by July 14.

 

The company had earlier negotiated a standstill agreement under which payments to debtholders would be suspended while a restructuring arrangement was worked out.

 

Discussions have been hampered, however, by disagreements among debtholders over who would rank highest in payment priority if Cattles went into administration.

 

The banks believe they rank ahead of bondholders because of a guarantee given to the banks by Welcome, a Cattles subsidiary, that banks and private placement noteholders will receive most of the cash the company gets back from its customers. Bondholders dispute this.

 

If no resolution is forthcoming in the next few weeks, then Cattles is expected to fall into administration and the debt-holder dispute is likely to go to court.

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hehe lovely read i say...

 

but again the question would be how can cattles operate and collect debt when they are now in breach of there consumer credit licence ...they have defaulted on payments and surely now the oft must stop there licence to operate (and collect debt) which a consumer credit licence allows...to provide and collect debt..

 

this link states what needed from a company in order to apply for a licence and remain trading with a licence...

 

The Office of Fair Trading: High risk credit activities and credit competence assessments

 

come on your clever people lets kick this scumbags into touch

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hi all

 

just had a company called XX recovery on the line they said that they will collect the vehicle tomoz and said that Welcome no longer RAC inspect the cars because they can't afford to. (that was quick response wow seven days from my V.T letter)(no wriiten response of course) (lets see if i get the SAR info just as quick)

 

I said fine so your agency will have no problem signing a bit of paper to say that the vehicle is damage free.

 

She said "I'll get back to you"

 

She then phoned again to say that welcome had told them not to sign the paper and that the vehicle would be RAC inspected at the auction...

 

I said yea right...no RAC inspection at my address no car...

 

Welcome still trying to fight dirty right to the bitter end...

 

 

Message to the (redundent) welcome finance muppets:

 

Do you think that I would be that stupid to hand my car over so some local lackey down at the car auctions (who isn't RAC) just so you can take me for a few more £1000's.

 

Just a question if you can't afford the RAC then why are you paying them to inspect at auction...Oh please, please try harder

 

YOU ARE WITOUT DOUBT THE BIGGEST FINANCIAL MONG IN HISTORY GET A GRIP YOU SEEDY LITTLE BACK STREET OUTFIT...YOU TRIED TO RISE ABOVE YOUR STATION AND PLAY WITH THE BIG BOYS BUT WERE FOUND WANTING. IN THE WORDS OF THE BEATLES "GET BACK JOJO...GET BACK TO WHERE YOU ONCED BELONGED"...IN YOUR CASE THE GUTTER

Edited by welcome finance warrior
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hehe lovely read i say...

 

but again the question would be how can cattles operate and collect debt when they are now in breach of there consumer credit licence ...they have defaulted on payments and surely now the oft must stop there licence to operate (and collect debt) which a consumer credit licence allows...to provide and collect debt..

 

this link states what needed from a company in order to apply for a licence and remain trading with a licence...

 

The Office of Fair Trading: High risk credit activities and credit competence assessments

 

come on your clever people lets kick this scumbags into touch

 

 

well they wouldn't would they, the banks via some sort of subsidary company would enforce the agreements as would the note holders, as well as being liable for any missold insurances and secret commissions etc...i think

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Welcome Finance Agreements are in breach of the Consumer Credit 1974 and also Consumer Credit Act 2006.

 

Anyone wants to see the listed breaches drop me a private message.

Edited by MarkieMark
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