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    • My understanding is that they won't provide the name to me whether the investigation is Live or Closed, & I have no legal rep as I didn't have P.I. Cover on my policy, & am intending to claim using OIC.org.uk, but remain completely stuck as they 100% cannot open a claim on the portal without both the Reg. No. & Name of the other driver.  
    • thanks again ftmdave, your words are verey encouraging and i do appreciate them. i have taken about 2 hours to think of a letter to write to the ceo...i will paste it below...also how would i address a ceo? do i just put his name? or put dear sir? do you think its ok?  i would appreciate feedback/input from anybody if anything needs to be added/taken away, removed if incorrect etc. i am writing it on behalf of my friend..she is the named driver  - im the one with the blue badge and owner of the car - just for clarification. thanks in adavance to everyone.       My friend and I are both disabled and have been a victim of disability discrimination on the part of your agents.   I have been incorrectly 'charged' by your agent 'excel parking' for overstaying in your car park, but there was no overstay. The letter I recieved said the duration of stay was 15 minutes but there is a 10 minute grace period and also 5 minutes consideration time, hence there was no duration of stay of 15 minutes.   I would like to take this oppertunity to clarify what happend at your Gravesend store. We are struggling finacially due to the 'cost of living crisis' and not being able to work because we are both disabled, we was attracted to your store for the 10 items for £10 offer. I suffer dyslexia and depression and my friend who I take shopping has a mobility disability. We went to buy some shopping at your Gravesend branch of Iceland on 28th of December 2023, we entered your car park, tried to read and understand the parking signs and realised we had to pay for parking. We then realised we didnt have any change for the parking machine so went back to look for coins in the car and when we couldnt find any we left. As my friend has mobility issues it takes some time for me to help him out of the car, as you probably understand this takes more time than it would a normal able bodied person. As I suffer dyslexia I am sure you'll agree that it took me more time than a normal person to read and understand the large amount of information at the pay & display machine. After this, it took more time than an able bodied person to leave the car park especially as I have to help my friend on his crutches etc get back into the car due to his mobility disability. All this took us 15 minutes.   I was the driver of my friends car and he has a blue badge. He then received a 'notice to keeper' for a 'failure to purchase a parking tariff'. On the letter it asked to name the driver if you wasnt the driver at the time, so as he wasnt the driver he named me. I appealed the charge and told them we are disabled and explained the situation as above. The appeal was denied, and even more so was totally ignored regarding our disabilities and that we take longer than an able bodied person to access the car and read the signs and understand them. As our disabilities were ignored and disregarded for the time taken I believe this is discrimination against us. I cannot afford any unfair charges of this kind as I am severely struggling financially. I cannot work and am a carer for my disabled Son who also has a mental and mobility disability. I obviously do not have any disposable income and am in debt with my bills. So its an absolute impossibility for me to pay this incorrect charge.     After being discriminated by your agent my friend decided to contact 'iceland customer care team' on my behalf and again explained the situation and also sent photos of his disabled blue badge and proof of disability. He asked the care team to cancel the charge as ultimately its Iceland's land/property and you have the power over excel parking to cancel it. Again we was met with no mention or consideration for our disability and no direct response regarding the cancellation, all we was told was to contact excel parking. He has replied over 20 times to try to get the 'care team' to understand and cancel this but its pointless as we are just ignored every time. I believe that Ignoring our disability is discrimination which is why I am now contacting you.     I have noticed on your website that you are 'acting' to ease the 'cost of living crisis' : https://about.iceland.co.uk/2022/04/05/iceland-acts-to-ease-the-cost-of-living-crisis/   If you really are commited to helping people in this time of crisis ..and especially two struggling disabled people, can you please cancel this charge as it will only cause more damage to our mental health if you do not.  
    • I've also been in touch via the online portal to the Police's GDPR team, to request the name of the other Driver. Got this response:   Dear Mr. ---------   Our Ref: ----------   Thank you for your request which has been forwarded to the Data Protection Team for consideration.   The data you are requesting is third party, we would not give this information directly to you.   Your solicitor or legal team acting on our behalf would approach us directly with your signed (wet) consent allowing us to consider the request further.   I note the investigation is showing as ‘live’ at this time, we would not considered sharing data for suggested injury until the investigation has been closed.   If you wish to pursue a claim once the investigation has been closed please signpost your legal team to [email protected]   Kind regards   ----------------- Data Protection Assistant    
    • Fraudsters copy the details of firms we authorise to try and convince people that their firm is genuine. Find out why you shouldn’t deal with this clone firm.View the full article
    • Hi everyone, Apologies for bringing up the same topic regarding these individuals. I wish I had found this forum earlier, as I've seen very similar cases. However, I need your help in figuring out what to do next because we've involved our partners/resellers. I work as an IT Manager in a company outside of the UK. We acquired a license from a certified reseller (along with a support agreement) and also obtained training sessions from them. The issue arose when we needed to register two people for the training sessions, so we used an external laptop for the second user to keep up with the sessions for only a month. During this period, the laptop was solely used for the training sessions. After two weeks, my boss forwarded an email to me from Ms Vinces, stating that we are using illicit software from SolidWorks. Since this has never happened to me or anyone we know, I went into panic mode and had a meeting with her. During the meeting, we explained that we were using an external laptop solely for the training sessions and that the laptop had not been used within the company since her email. She informed us that for such cases, there are demos and special licenses (though our reseller did not mention these types of licenses when we made our initial purchase). She then mentioned that we had utilized products worth approximately €25k and presented us with two options: either pay the agreed value or acquire SolidWorks products. We expressed that the cost was too high, and our business couldn't support such expenses. I assured her that we would discuss the matter with the company board and get back to her. After the meeting, we contacted the company reseller from whom we purchased the license, explained the situation, and mentioned the use of an external laptop. They said they would speak to Maria and help mediate the situation. We hoped to significantly reduce the cost, perhaps to that of a 1-year professional license. Unfortunately, we were mistaken. The reseller mediated a value €2k less than what Maria had suggested (essentially, we would need to acquire two professional lifetime licenses and two years of support for a total of €23k). This amount is still beyond our means, but they insisted that the price was non-negotiable and wouldn't be reduced any further. The entire situation feels odd because she never provided us with addresses or other evidence (which I should have requested), and she's pressuring us to resolve the matter by the end of the month, with payment to be made through the reseller. This makes me feel as though the reseller is taking advantage of the situation to profit from it. Currently, we're trying to buy some time. We plan to meet with the reseller next week but are uncertain about how to proceed with them or whether we should respond to the mediator.
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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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No I don't believe a word they say, especially when my DH was sent a pretend termination of HP agreement. DH had a home visit and I told her we aren't paying for something that's been cancelled, "It hasn't been cancelled, only terminated so don't worry about it and keep on paying" She said. I thought WTF? Same difference to me, cancelled, terminated, ended etc.

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No I don't believe a word they say, especially when my DH was sent a pretend termination of HP agreement. DH had a home visit and I told her we aren't paying for something that's been cancelled, "It hasn't been cancelled, only terminated so don't worry about it and keep on paying" She said. I thought WTF? Same difference to me, cancelled, terminated, ended etc.

 

 

:lol: :lol: sorry im not laughing at you but how the hell they work that out its not cancelled its terminated hmm really :lol: :lol: tell that one to the judge welcome thats an awesome response

I am a consumer just like you, please get a second opinion or investigate yourself on anything I advise as I am in no way legally trained. Everything I know has come from the Mighty CAG and fellow CAGGERS. :cool:

 

If I have helped in any way please click my reputation star and make a donation to CAG to enable us all to continue to help each other :cool:

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No I don't believe a word they say, especially when my DH was sent a pretend termination of HP agreement. DH had a home visit and I told her we aren't paying for something that's been cancelled, "It hasn't been cancelled, only terminated so don't worry about it and keep on paying" She said. I thought WTF? Same difference to me, cancelled, terminated, ended etc.

 

I NOW OFFICIALLY LOVE WELSCUM FINANCE!!! THEY`RE GREEEAAAAATTTTT!!!

 

As tony would Say!!! LMFAO :-D:grin::D ROFL

 

Cheers, MARK

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Hi Voda - it's been a long time!

 

As you know came to a settlement with WF last October - STILL WAITING FOR IT!

 

The finally wrote to me in Feb confirming the figures (they were wrong) but still this has never materialised.

They then defaulted my account with the wrong figures - not applied the refund they had agreed to.

 

I restarted payments direct to their bank account in March - I basically wrote to them and said this is what is outstanding on my agreement minus the refund this is what I will pay you any problems with this let me know.

 

Heard nothing at all after that until get a FINAL DEMAND from our good friends Lewis Group - for guess what? the full amount with no refund!

 

Funny Funny!!!

 

Contacted the lovely Lewis and to spelled it out to them invalid default etc - their first reply was thanks for your complaint but we are ignoring it kind of letter - I then managed to get a contact for a supervisor there and to give her credit she has promised to look into it and why they even have the account anyway.

 

So we shall see wonder if WF will reply to their own partners?

 

Well 2 weeks today since I have the "we have sent an email to WF and as soon as they reply we will get back to you" response

 

and guess what???

 

NOTHING

 

Yep it seems that they can't even reply to their own business partners!

 

FOS complaint is going to be sent about the failure of the promised refund and a complaint to OFT about Lewis Group involvement when I believe they have no legal right.

 

Now just need to work on the invalid default - but if compliance are being made redundant who do you face in court anymore?????

 

Maybe I should test it??

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Oh you haven't heard the half of it lol.

 

On Monday a bloke turned up to take the car, my DH was upstairs and didn't hear the door, anyway and admitedly he shouldn't have but my 4 year old answered the door ( he did put the chain on) and told the man daddy is upstairs.

 

Next thing DH knew the coppers were at the door, this bloke thought the kids were 'home-alone'. My DH said "Are you with him about the car"?

 

"No the man reported the kids as being home alone" Any way the bloke said he'd come to repo the car, "Not without a court order you won't" said DH. The car's parked on our front garden, "OK we'll get a court order then" and off he trotted.

 

We haven't heard anything so far, and don't care tbh but if they want to take the car then they can do it properly with the proper paperwork and not the ficticious stuff they churn out.

 

I just think the bloke wanted to get to speak to DH, I've told the children that just because someone knocks at the door doesn't mean you have to answer it, the same goes if the phone rings ( which it doesn't since I've turned it off at the power)

 

Oh what fun lol.

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Oh you haven't heard the half of it lol.

 

On Monday a bloke turned up to take the car, my DH was upstairs and didn't hear the door, anyway and admitedly he shouldn't have but my 4 year old answered the door ( he did put the chain on) and told the man daddy is upstairs.

 

Next thing DH knew the coppers were at the door, this bloke thought the kids were 'home-alone'. My DH said "Are you with him about the car"?

 

"No the man reported the kids as being home alone" Any way the bloke said he'd come to repo the car, "Not without a court order you won't" said DH. The car's parked on our front garden, "OK we'll get a court order then" and off he trotted.

 

We haven't heard anything so far, and don't care tbh but if they want to take the car then they can do it properly with the proper paperwork and not the ficticious stuff they churn out.

 

I just think the bloke wanted to get to speak to DH, I've told the children that just because someone knocks at the door doesn't mean you have to answer it, the same goes if the phone rings ( which it doesn't since I've turned it off at the power)

 

Oh what fun lol.

 

I've been thru this exact scenario myself!

The reason for the police is because they try to use it as their defence for coming on to your premises to repo the car. "The police did not express any concern with their intention to remove the car" What nonsense!!

 

So basically they're trying to use the Police as a get out clause. If the police didn't stop them it must be legal!! That's Welcome logic for you :D

 

All they'll do now is pass it on to a less scrupulous recovery company who will come on to your premises and take your car. Just make sure the Police are present when they do this, (they make very credible witnesses), and don't give the keys or log book.

 

The police will only attend to prevent breach of the peace, they'll refuse to get involved in civil matters. It's only the court that has powers with civil proceedings and that's exactly where you need to go :D

 

I have a court date with them for this exact reason :D

 

http://www.consumeractiongroup.co.uk/forum/legal-issues/242261-car-repossessd-off-private.html

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dont know why you guys dont latch onto the case of R v Turner (No 2) [1971] 1 WLR 901.

 

It confirms that a person can be guilty of theft of property that belongs to them

 

so by taking the car they are commiting a criminal act

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dont know why you guys dont latch onto the case of R v Turner (No 2) [1971] 1 WLR 901.

 

It confirms that a person can be guilty of theft of property that belongs to them

 

so by taking the car they are commiting a criminal act

I went down this route in the beginning but I couldn't for the life of me get the police to agree or take action with regard a criminal act. I took it all the way to the IPCC and all they would say is "civil, civil, civil!"

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it is not civil at all, there is a case authority that says to take property belonging to another, even if you own title to it, is theft, and the police must act and arrest the person guilty of the offence.

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it is not civil at all, there is a case authority that says to take property belonging to another, even if you own title to it, is theft, and the police must act and arrest the person guilty of the offence.

I know it is criminal and it is theft but how do we convince the police of that?? They were absolutely abominable in my case, wouldn't listen to a damn word I had to say!

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show them the case authority that supports you, then they must act

I've already submitted my claim against Welcome, but do you think that maybe I have a case against the police for not acting the way they should have at the time??

When I made my complaint to the IPCC it was sort of hinted to me that I might be able to sue them for allowing the repo to place. I've told them that I'm dealing with Welcome first but when that case is concluded I may consider taking further action against the police and they said that would be fine.

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Hi everyone, am new to this particular board and just have one small question for you Welcome experts out there:)

My brother-in-law settled his account with these crooks last year. After borrowing £5,000 he ended up paying back something close to £15,000. Anyway, I was just wondering, is there any way he can claim back the ridiculous charges he was forced to pay, or anything at all under the new CCA 1974 even though the account is now settled and closed?

Thanks guys.

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Hi everyone, am new to this particular board and just have one small question for you Welcome experts out there:)

My brother-in-law settled his account with these crooks last year. After borrowing £5,000 he ended up paying back something close to £15,000. Anyway, I was just wondering, is there any way he can claim back the ridiculous charges he was forced to pay, or anything at all under the new CCA 1974 even though the account is now settled and closed?

Thanks guys.

Hello, I'm fairly certain he can still claim back charges even tho the account is settled. Was there any PPI on the account?? He may be able to claim that back too if it was missold. I know you can still claim bank and credit card charges after they are settled so I don't see why it should be different for loans. But please check with others first.

 

He needs to do a subject access request to see exactly what's what as a start point.

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Hi Prudence, sounds like a very familiar situation with an old debt effectively being left on your credit files that will cripple you for a number f years until it drops off. The thing to try here, given the strength of your situation, is to write to the DCA concerned (assuming they own the debt after an absolute assignment) and demand that all entries relating to this debt are removed from all CRA's immediately.

 

State that unless they can substanatiate this information with all appropriate paperwork (guessing they can't if they failed in court already) then you'll commence litigation against them for damages resulting from breach of the data protection act, unlawful rescission of contract and resultant injury to credit as they are both holding and maintaining information about you on those records that is innaccurate and damaging. Allow them 10 working days to respond in full with their decision and ensure you ask them to not just amend any info but to competely remove all entries relating to it. If you get stuck with this and struggle to word it all in a letter let me know and I'll post one I composed and used a while back to get a DCA to remove an old entry. They responded immediately (Cabot) and confirmed they would be removing all entries, apologising for the 'oversight' as well.

 

It can work but if they flatly refuse you may need to consider another LBA type letter to warn them and then possibly consider litigation if you feel strongly enough that the DCA should remove the info.

 

This is of course a big step to take and will be based on the individualities of your previous runnings with them as you'll know exactly what they failed to provide before meaning you'll be able to assess your chances of succeeding with this and more importantly perhaps the amount of resistance they might put up (will they fold or actually be willing to argue the case in court).

 

If they lost their case with you earlier then I suspect they'd be unwilling to go back and are more likely to fold before it goes to court, depsite initial actions they may make suggesting they will defend.

 

Thankyou very much emandicole, your reply is much appreciated. Apologies for delay in replying but have not been able to log in for a while. We did write to WF themselves after the case re the removal of data but they refused. We have in the last few days received a letter from WF to say they have passed the account on to MKDPLLP. We have not had any contact from MKDPLLP yet. Shall we write to them? The finance with WF was taken out in 2005, will this drop of our records in 2011?

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Hi again, just to add to the reply to wannabedebtfreesoon, I've checked and my brother in law did have PPI with Welcome. They charged £980 when he first took out a £3,000 loan with them in April of 2004. Then in November of 2004 he borrowed an additional £700 and again they charged another £1258 for PPI. Surely this can be reclaimed?

Thanks

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It was after reading another thread on here that I told DH about which made him move the car onto the garden from the street.

 

It will be interesting to see what their next move is, do you think they will actually go to court? The thing is these Default notices and termination of HP letters had insufficient dates or 'without prejudice' on them so as far as I'm concerned they haven't legally terminated anything so what can they go to court with as an argument?

 

It's all good fun.

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Hi again, just to add to the reply to wannabedebtfreesoon, I've checked and my brother in law did have PPI with Welcome. They charged £980 when he first took out a £3,000 loan with them in April of 2004. Then in November of 2004 he borrowed an additional £700 and again they charged another £1258 for PPI. Surely this can be reclaimed?

Thanks

Well it depends, did he ever use the PPI? Was it missold? Was he told it was compulsory? He is well within his rights to reclaim PPI as long as he has good grounds for claiming it was missold, which isn't usually hard with Welcome!

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It was after reading another thread on here that I told DH about which made him move the car onto the garden from the street.

 

It will be interesting to see what their next move is, do you think they will actually go to court? The thing is these Default notices and termination of HP letters had insufficient dates or 'without prejudice' on them so as far as I'm concerned they haven't legally terminated anything so what can they go to court with as an argument?

 

It's all good fun.

It is, I'm enjoying every minute of it!

It is actually in your best interest to let the termination stand. Just because it was unlawful doesn't mean you can't accept it ;-)

A termination on the back of a dodgy DN means they can only collect the arrears as stated on the DN and that's it.

I don't expect to see them in court, their only feeble defence to date has been that the police didn't stop them. Which I doubt is going to stand up in court!

If they defend and lose in court I'm sure once it's in the press there will be thousands of cases coming out of the woodwork! That won't be very constructive to a company already losing billions :rolleyes:

They'll do everything they can to avoid admitting liability.

Not that I wouldn't just love to see them in court :-D

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Yep, on speaking to him it sounds like it was definitely mis-sold. He was told he couldn't have the loan without it! Interestingly, he got a settlement figure about 5 months before he actually paid it off (he's still looking for the actual settlement figure from when he paid them off) but the one from 5 months prior lists a rebate of the PPI at £178!! That can't be right?! I've also noticed through his statements over £320 in charges. At one stage they sent him a letter on the 2nd of every month reminding him of his due date that month and charged him £10 for the privilege each time, even though he never asked him to do this!! They also sent him a letter telling him they were charging him £10 for a telephone call they had to make to him the previous month and, yep, you guessed it, would be charging him another £10 for the letter telling him about the telephone call £10. Crazy, crazy, crazy, crazy, crazy!!!!:confused:

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Thanks wannabe, so what about the car now then? Do we just let is sit in the garden until they get a court order to take possession? Is it totally their responsibility now?

 

I want to have all the answers ready lol

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Yep, on speaking to him it sounds like it was definitely mis-sold. He was told he couldn't have the loan without it! Interestingly, he got a settlement figure about 5 months before he actually paid it off (he's still looking for the actual settlement figure from when he paid them off) but the one from 5 months prior lists a rebate of the PPI at £178!! That can't be right?! I've also noticed through his statements over £320 in charges. At one stage they sent him a letter on the 2nd of every month reminding him of his due date that month and charged him £10 for the privilege each time, even though he never asked him to do this!! They also sent him a letter telling him they were charging him £10 for a telephone call they had to make to him the previous month and, yep, you guessed it, would be charging him another £10 for the letter telling him about the telephone call £10. Crazy, crazy, crazy, crazy, crazy!!!!:confused:

That's outrageous! This company are an absolute nightmare!

If I were him I'd claim back all charges and PPI, I'm sure if you have a browse around you'll find loads of threads relating to the same thing.

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Thanks wannabe, so what about the car now then? Do we just let is sit in the garden until they get a court order to take possession? Is it totally their responsibility now?

 

I want to have all the answers ready lol

It's entirely up to you how you want to play it. I don't know your personal circumstances regarding why you stopped paying and what you want to do, i.e. make some arrangement to keep the car or not.

 

Personally, I would just carry on using the car as normal and keep it parked on your premises.

It is possible, but not likely, that they will get a court order but that in itself is a whole different procedure and you will still have options if it comes down to it.

It's also likely that they will come on to your premises to take the car, but that will be illegal and give you the chance to take them to court :D

 

The problem is it will be a long process until they do something. I put my account in to dispute in March 2009 and they didn't repo until January 2010. In all that time life was difficult, not knowing if my car was still going to be there every day or not.

 

I suppose it's different if you are more prepared for it, I was more or less clueless before! Not any more tho!! :D

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