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    • One other point to note, the more I read, the more I study, the more proficient I feel I am becoming in this area. Make no mistake DBCL if you are reading this, when I win in court, if I have the grounds to make any claims against you, such as breach of GDPR, I shall be doing so.
    • Yep, I read that and thought about trying to find out what the consideration and grace period is at Riverside but not sure I can. I know they say "You must tell us the specific consideration/grace period at a site if our compliance team or our agents ask what it is"  but I doubt they would disclose it to the public, maybe I should have asked in my CPR 31.14 letter? Yes, I think I can get rid of 5 minutes. I am also going to include a point about BPA CoP: 13.2 The reference to a consideration period in 13.1 shall not apply where a parking event takes place. I think that is Deception .... They giveth with one hand and taketh away with the other!
    • Six months of conflict have also taken a heavy economic toll.View the full article
    • the Town and Country [advertisments ] Regulations 2007 are not easy to understand. Most Council planing officials don't so it's good that you found one who knows. Although he may not have been right if the rogues have not been "controlling" in the car park for that long. The time only starts when the ANPR signs go up, not how long the area has been used as a car park.   Sadly I have checked Highview out and they have been there since at least 2014 . I have looked at the BPA Code of Practice version 8 which covers 2023 and that states Re Consideration and Grace Periods 13.3 Where a parking location is one where a limited period of parking is permitted, or where drivers contract to park for a defined period and pay for that service in advance (Pay & Display), this would be considered as a parking event and a Grace Period of at least 10 minutes must be added to the end of a parking event before you issue a PCN. It then goes on to explain a bit more further down 13.5 You must tell us the specific consideration/grace period at a site if our compliance team or our agents ask what it is. 13.6 Neither a consideration period or a grace period are periods of free parking and there is no requirement for you to offer an additional allowance on top of a consideration or grace period. _________________________________________________________________________________________________________________So you have  now only overstayed 5 minutes maximum since BPA quote a minimum of 10 minutes. And it may be that the Riverside does have a longer period perhaps because of the size of the car park? So it becomes even more incumbent on you to remember where the extra 5 minutes could be.  Were you travelling as a family with children or a disabled person where getting them in and out of the car would take longer. Was there difficulty finding a space, or having to queue to get out of the car park . Or anything else that could account for another 5 minutes  without having to claim the difference between the ANPR times and the actual times.
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    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

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Welcome Finance - This company needs to be banned.


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from the Welcome site

At Welcome, our corporate responsibility strategy is built on three cornerstones:

 

Being a responsible financial services organisation.

We treat our customers fairly and with respect, lending carefully and making sure that we understand each customer’s financial circumstances. In that way, we can be sure that we offer them the right product and don’t place an undue burden on them. Our goal is to have open and honest relationships with customers, offering them constructive support should they encounter difficulties.

 

Being a good people business

We aim to create an environment that is both motivating and stimulating. We treat colleagues with fairness and respect, listening to what they have to say and acting on their feedback. Looking outside the business itself, we strive to build strong bonds with the communities around us, because that’s where our customers and colleagues live and work.

 

Being environmentally responsible.

As a growing business we recognise that we have an impact on the environment. Our aim is to manage this impact and minimise it wherever we can - and at the same time raise environmental awareness among our colleagues. As well as meeting people’s expectations of the company, this helps us to operate more efficiently and reduce our costs."

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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Hi All

i had this posted on my thread could anyone tell me if this is true

regards:confused:

 

 

 

The letter states that "where the cca 1974 advises that you may put your account into dispute; this is only relevant to accounts held with Banking Institutions and therefore bares no significance to your claim with welcome".

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I thought these suckers were going under?

 

Is it just a matter of time or are they gonna survive.

 

I need to know!

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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can someone tell me if below is true

 

Hi there

i put my account in dispute in September for failure to provide cca. I received a letter today enclosing my cca :Cry:. The letter states that "where the cca 1974 advises that you may put your account into dispute; this is only relevant to accounts held with Banking Institutions and therefore bares no significance to your claim with welcome".

 

electrik

 

regards edwi69

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can someone tell me if below is true

 

Hi there

i put my account in dispute in September for failure to provide cca. I received a letter today enclosing my cca :Cry:. The letter states that "where the cca 1974 advises that you may put your account into dispute; this is only relevant to accounts held with Banking Institutions and therefore bares no significance to your claim with welcome".

 

electrik

 

regards edwi69

 

Hi edwi69,

I'm not an expert, but could they just be trying there luck to get money out of you?

 

Google cca 1974 and see what you can find, I have been reading up and I have not found anything mentioning 'only accounts held under banking institutions' ...yet!!

 

Once again I am not an expert!

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Hi All

welscum signed for my cca request letter on the 2-10-09 and they signed for account in dispute letter on the 17-10-09.

i received a leeter from welscum saying they couldnt fulfill my request for a copy of my agreement and saying they should be supplying me with one.

But what i want to know is,is there another letter i need to send now telling them they havent complied with my request.

help would be much apreciated.

regards edwi69:???:

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Hi edwi69,

I'm not an expert, but could they just be trying there luck to get money out of you?

 

Google cca 1974 and see what you can find, I have been reading up and I have not found anything mentioning 'only accounts held under banking institutions' ...yet!!

 

Once again I am not an expert!

 

If the agreement says "regulated by the consumer credit act (1974)" I can't see how they can argue it doesn't.

 

The only time it wouldn't would be for loans over 25K (?) - the CCA1974 doesn't apply to them.

Carpe Jugulum

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Another example of Welscum cherry picking and trying to pull the wool over your eyes. They are bound by Consumer Credit Act 1974 and amendments when they feel the need. So they are BOUND by them at all times.

 

F**k `EM that`s what I say! F**K `EM! What do you all say???

 

Cheers, MARK

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edwi69

this is more wf bull. nothing to do with banking, its all to do with the cnsumer credit act. Im sure I have seen a reference to this somewhere in cca1974, cant put my finger on it right now. it takes time but check through the act.

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Hello edwi and good evening. I sent the telephone harassment letter to compliance and telephoned my local branch and told them that the account is in dispute and I will only deal with compliance from now on. I told them not to telephone me or visit my home. I also told them that I will not make anymore payments towards the account until compliance sort out my account...I know it is hard but try notto let the local branch bully you and stand firm. It is not a crime to have financial difficulties and these bully boys will try anything they can to cover the awful tricks they pull...I know it is easier said than done but try and be strong with them !!!

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Good news edwi, keep your spirits up. I was all doom until I followed advice on here and realised what a mug Welcome had made of me and then I became angry and determined. They will not fob me off again until they sort my account the legal way and I have been ripped off for too long.

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