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    • Hi LFI, Your knowledge in this area is greater than I could possibly hope to have and as such I appreciate your feedback. I'm not sure that I agree the reason why a barrister would say that, only to get new customers, I'm sure he must have had professional experience in this area that qualifies him to make that point. 🙂 In your point 1 you mention: 1] there is a real danger that some part of the appeal will point out that the person appealing [the keeper ] is also the driver. I understand the point you are making but I was referring to when the keeper is also the driver and admits it later and only in this circumstance, but I understand what you are saying. I take on board the issues you raise in point 2. Is it possible that a PPC (claimant) could refer back to the case above as proof that the motorist should have appealed, like they refer back to other cases? Thanks once again for the feedback.
    • Well barristers would say that in the hope that motorists would go to them for advice -obviously paid advice.  The problem with appealing is at least twofold. 1] there is a real danger that some part of the appeal will point out that the person appealing [the keeper ] is also the driver.  And in a lot of cases the last thing the keeper wants when they are also the driver is that the parking company knows that. It makes it so much easier for them as the majority  of Judges do not accept that the keeper and the driver are the same person for obvious reasons. Often they are not the same person especially when it is a family car where the husband, wife and children are all insured to drive the same car. On top of that  just about every person who has a valid insurance policy is able to drive another person's vehicle. So there are many possibilities and it should be up to the parking company to prove it to some extent.  Most parking company's do not accept appeals under virtually any circumstances. But insist that you carry on and appeal to their so called impartial jury who are often anything but impartial. By turning down that second appeal, many motorists pay up because they don't know enough about PoFA to argue with those decisions which brings us to the second problem. 2] the major parking companies are mostly unscrupulous, lying cheating scrotes. So when you appeal and your reasons look as if they would have merit in Court, they then go about  concocting a Witness Statement to debunk that challenge. We feel that by leaving what we think are the strongest arguments to our Member's Witness Statements, it leaves insufficient time to be thwarted with their lies etc. And when the motorists defence is good enough to win, it should win regardless of when it is first produced.   
    • S13 (2)The creditor may not exercise the right under paragraph 4 to recover from the keeper any unpaid parking charges specified in the notice to keeper if, within the period of 28 days beginning with the day after that on which that notice was given, the creditor is given— (a)a statement signed by or on behalf of the vehicle-hire firm to the effect that at the material time the vehicle was hired to a named person under a hire agreement; (b)a copy of the hire agreement; and (c)a copy of a statement of liability signed by the hirer under that hire agreement. As  Arval has complied with the above they cannot be pursued by EC----- ------------------------------------------------------------------------------------------------------------------------------------------------------------------- S14 [1]   the creditor may recover those charges (so far as they remain unpaid) from the hirer. (2)The conditions are that— (a)the creditor has within the relevant period given the hirer a notice in accordance with sub-paragraph (5) (a “notice to hirer”), together with a copy of the documents mentioned in paragraph 13(2) and the notice to keeper; (b)a period of 21 days beginning with the day on which the notice to hirer was given has elapsed;  As ECP did not send copies of the documents to your company and they have given 28 days instead of 21 days they have failed to comply with  the Act so you and your Company are absolved from paying. That is not to say that they won't continue asking to be paid as they do not have the faintest idea how PoFA works. 
    • Euro have got a lot wrong and have failed to comply with the Protection of Freedoms Act 2012 Schedule 4.  According to Section 13 after ECP have written to Arval they should then send a NTH to the Hirer  which they have done.This eliminates Arval from any further pursuit by ECP. When they wrote to your company they should have sent copies of everything that they asked Arval for. This is to prove that your company agree what happened on the day of the breach. If ECP then comply with the Act they are allowed to pursue the hirer. If they fail, to comply they cannot make the hirer pay. They can pursue until they are blue in the face but the Hirer is not lawfully required to pay them and if it went to Court ECP would lose. Your company could say who was driving but the only person that can be pursued is the Hirer, there does not appear to be an extension for a driver to be pursued. Even if there was, because ECP have failed miserably to comply with the Act  they still have no chance of winning in Court. Here are the relevant Hire sections from the Act below.
    • Thank-you FTMDave for your feedback. May I take this opportunity to say that after reading numerous threads to which you are a contributor, I have great admiration for you. You really do go above and beyond in your efforts to help other people. The time you put in to help, in particular with witness statements is incredible. I am also impressed by the way in which you will defer to others with more experience should there be a particular point that you are not 100% clear on and return with answers or advice that you have sought. I wish I had the ability to help others as you do. There is another forum expert that I must also thank for his time and patience answering my questions and allowing me to come to a “penny drops” moment on one particular issue. I believe he has helped me immensely to understand and to strengthen my own case. I shall not mention who it is here at the moment just in case he would rather I didn't but I greatly appreciate the time he took working through that issue with me. I spent 20+ years of working in an industry that rules and regulations had to be strictly adhered to, indeed, exams had to be taken in order that one had to become qualified in those rules and regulations in order to carry out the duties of the post. In a way, such things as PoFA 2012 are rules and regulations that are not completely alien to me. It has been very enjoyable for me to learn these regulations and the law surrounding them. I wish I had found this forum years ago. I admit that perhaps I had been too keen to express my opinions given that I am still in the learning process. After a suitable period in this industry I became Qualified to teach the rules and regulations and I always said to those I taught that there is no such thing as a stupid question. If opinions, theories and observations are put forward, discussion can take place and as long as the result is that the student is able to clearly see where they went wrong and got to that moment where the penny drops then that is a valuable learning experience. No matter how experienced one is, there is always something to learn and if I did not know the answer to a question, I would say, I don't know the answer to that question but I will go and find out what the answer is. In any posts I have made, I have stated, “unless I am wrong” or “as far as I can see” awaiting a response telling me what I got wrong, if it was wrong. If I am wrong I am only too happy to admit it and take it as a valuable learning experience. I take the point that perhaps I should not post on other peoples threads and I shall refrain from doing so going forward. 🤐 As alluded to, circumstances can change, FTMDave made the following point that it had been boasted that no Caggers, over two years, who had sent a PPC the wrong registration snotty letter, had even been taken to court, let alone lost a court hearing .... but now they have. I too used the word "seemed" because it is true, we haven't had all the details. After perusing this forum I believe certain advice changed here after the Beavis case, I could be wrong but that is what I seem to remember reading. Could it be that after winning the above case in question, a claimant could refer back to this case and claim that a defendant had not made use of the appeal process, therefore allowing the claimant to win? Again, in this instance only, I do not know what is to be gained by not making an appeal or concealing the identity of the driver, especially if it is later admitted that the defendant was the driver and was the one to input the incorrect VRN in error. So far no one has educated me as to the reason why. But, of course, when making an appeal, it should be worded carefully so that an error in the appeal process cannot be referred back to. I thought long and hard about whether or not to post here but I wanted to bring up this point for discussion. Yes, I admit I have limited knowledge, but does that mean I should have kept silent? After I posted that I moved away from this forum slightly to find other avenues to increase my knowledge. I bought a law book and am now following certain lawyers on Youtube in the hope of arming myself with enough ammunition to use in my own case. In one video titled “7 Reasons You Will LOSE Your Court Case (and how to avoid them)” by Black Belt Barrister I believe he makes my point by saying the following, and I quote: “If you ignore the complaint in the first instance and it does eventually end up in court then it's going to look bad that you didn't co-operate in the first place. The court is not going to look kindly on you simply ignoring the company and not, let's say, availing yourself of any kind of appeal opportunities, particularly if we are talking about parking charge notices and things like that.” This point makes me think that, it is not such a bizarre judgement in the end. Only in the case of having proof of payment and inputting an incorrect VRN .... could it be worthwhile making a carefully worded appeal in the first instance? .... If the appeal fails, depending on the reason, surely this could only help if it went to court? As always, any feedback gratefully received.
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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.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Welcome Finance - This company needs to be banned.


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pwg has said what most people feel on the forum

 

welcome cause nothing but misery for a bonus cheque

 

they have no regards for the law or customer welfare

people want to pay back what they borrowed but not be exploited.

read some of the welcome threads.

 

you say welcome cant afford to take people to court at the moment

 

i know for a fact over the last two years , welcome have taken only a tiny fraction of people to court and use the likes of cohen, cl finance and lewis debt agency.

 

they are all part of cattles so forgive me if i take your response with a pinch of salt.

 

saying that, keep posting

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most welcome employees don't see customer as people unless you are signing for a loan, they see them as money and bonus earners and this is the problem, welcome employees are desperate for there customer to pay and will do anything to make them pay, i dont agree with it and think it is disgusting behavior by these people.

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im being honest with you guys, i don't expect you to believe everything that i say as you properly see me as the enemy but just because i work for welcome does not mean i think like these people who are harassing you and tormenting you to try and get you to pay. all i can tell u is what i know, the company has changed so much over the last six months its hard to say what they do and have done as it changes all the time. i know the lewis group is part of cattle's and we used to transfer accounts to them when they where 210 days in arrears but all transferring of accounts has stopped in the company as they want us to build relationships with the customers. no accounts at the moment are going to the lewis group. i just want to try and help some of you if i can

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My account has now been with Compliance since August and no issues have been resolved and I write every month a different letter in the hope they will sort my account out....They never do...Either I recieve the same old crap ie..Same old SAR or same old CCA..No movement..Yet I get a call each month or there abouts from the local branch giving me a lecture about my account and asking for money !!! Where is the communication from Compliance to Local Branch ?? There is none but why not ?? We are customers and very, very fed up ones !!! Welcome thought we would be pawns in money games until they got caught out by a corrupt banking system and government.. Now where do they go ? But still nobody has the bollocks to close these sharks down for all of the lies corrupt business they have done. That Piers Morgan today after all I told him still had the balls to ask me for a payment in good faith..So I said yeah ok take it from the 9 grand you owe me in unlawful charges. He told me Settlement Penalty Interest is legal ??? I put the phone down.

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as stated

 

welcome are not well liked for good reason

 

you state that welcome have changed and more customer friendly,

 

well they can offer tea and crumpets but mud sticks.

 

the reputation welcome have cannot be changed.

 

even the banks, bond and share holders know most of the agreements are toxic due to the ppi and undisclosed commision agents.

 

even the directors bailed out

 

cattles/welcome prob will not survive as no company in there right mind would now invest with the reputation it has.

 

its bad when a company closes and suffer job losses but when a company does this to its self through greed, it deserves no sympathy

and its good riddence

 

trat the customer fair and that customer will return

 

having the macdonalds attitude of high turn over of customers is not the way

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when a loan agreement is signed or any paper correspondence is received we send it to a data image processing company so they are scanned and put on the computer, we access these files buy an internet site but sometime loan agreements are not on the system, we are unsure where they go but they are not found. i think the imaging company destroy the documents once they are scanned so if they are not on the system then i don't think they will be found again. i think the problem lies when the branch do not send the documents for scanning which we have to do on a monthly basis, then they are found months down the line and then put in confidential waste and not scanned to the system

 

 

Hi welcome staff, it seems that the above has happened with my CCA and welcome have sent me a final response letter saying please find enclosed reconsituted CCA agreement, which is a CCA with no signatures on it.

 

I phoned compliance just out of interest to see if they actually think i am going to take this copy as gospel and the lady i spoke with basically said, they could not locate CCA and were allowed by law to send out a reconstitued copy, can you tell me if you really believe this to be true too......

 

I'm interested to know what your thoughts are on your company not being able to provide a true and executed copy of CCA.... basically, where do you think welcome stand if this goes to a court of law?????? surely it's a case of Joe Bloggs taking his neighbour to court cause he owes him say £10,000 but has no proof!!!!!!!

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as ive said i don't or haven't worked in lending so im not sure what they say to customers, all i know is HP agreements have to be signed at a branch

 

sorry welcome staff for bombarding you here, but some interesting points have arisen....

 

you are saying that ALL HP agreements are to be signed in branch????? only i purchased car from Carcraft and the lender they found me was welcome and i never once went into welcome branch to sign, i did it all in car showroom....

 

said agreement is now actually settled, my car was wrote off and the insurance paid the outstanding finance and also the GAP insurance payment, i did have 3 months arrears and when i kicked up a fuss over outstanding balance welcome were saying i owed they immediately offered me an extremely good settlement figure of less than half the 3 months i knew i owed.......

 

I found this very strange coming from welcome and obviously i bit there hand off and paid up, just wondering now whether they knew they were in wrong and so this explains the generous settlement figure?????

 

Not going to pursue this matter at all, really i am just interested as you NEVER ever hear of welcome being so customer friendly and i actually thought maybe they had made a mistake in my favour???

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also just a quickie.....

 

can anyone tell me how to check for guests??????

 

would be very interested to find out who's watching ha ha

 

scroll downto the bottom of thread you are reading and it will say how many caggers are reading and how many guests:)

 

just under the reply box

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mine basically said please find reconstituted CCA, like i said above it had NO signatures from myself or welcome staff and it also had my married name on there, when i clearly took the loan out in 2005 and wasn't married then!!!!!!!!!!!!!!!!!!!!!

dandandan, that makes it is a fabrication then, not a reconstruction! Take a look at this post about reconstructed agreements http://www.consumeractiongroup.co.uk/forum/halifax-bank-bank-scotland/216127-halifax-credit-card-ongoing-2.html#post2421355.

 

Also, see this post about having a legal charge removed http://www.consumeractiongroup.co.uk/forum/welcome-finance/220445-welscum-respond-letter-any.html#post2549552.

 

In summary, as postggj has said, a reconstruction is permitted as a response to a CCA1974 s.77-79 request, however without the original agreement enforcement is not really possible.

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Just been reading the last few replies re needing the original document to enforce, just wondering how widespread it is with Welcome not having the originals? As I believe Welcome don't have my original agreement, a copy maybe, but certainly not the original. Now, considering I'm fairly deep in arrears with them, been over a year since I made a payment, I would have thought any other company with a customer in such arrears would be doing their best to get their money back, yet Welcome seem very reluctant to take any action against me. I've had uplift notices, default notices etc, but no sign of any court papers. Strange.....

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