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    • just to be clear here..... the DVLA do not send letters if a drivers licence address differs from any car's V5C that shows the same driver as it's registered keeper.
    • sorry she is a private individual, the cars are parking on her land. she can clamp the cars. only firms were outlawed from doing it bazza. thats what the victims of people dumping cars on their drives near airports did and they didn't not get prosecuted.    
    • The DVLA keeps two records of you. One as a driver and one for your car. If they differ you might find out in around a month when they will send you a reminder as well as to your other half for their car. If you receive nothing then you can be fairly sure that you were tailgating though wouldn't explain why they didn't pick up your car on one of drive past their cameras. However even if you do get a PCN later then your situation will not change. The current PCN does not comply with the Protection of Freedoms Act 2012 Schedule 4 which is the main law that covers private parking. It doesn't comply for two reasons. 1. Section 9 [2][a] states  (2)The notice must— (a)specify the vehicle, the relevant land on which it was parked and the period of parking to which the notice relates; The PCN states 47 minutes which are the arrival and departure times not the time you were actually parked. if you subtract the time you took to drive from the entrance. look for a parking place  park in it perhaps having to manoeuvre a couple of times to fit within the lines and unload the children reloading the children getting seat belts on  driving to the exit stopping for cars pedestrians on the way you may well find that the actual time you were parked was quite likely to be around ten minutes over the required time.  Motorists are allowed a MINIMUM of ten minutes Grace period [something that the rogues in the parking industry conveniently forget-the word minimum] . So it could be that you did not overstay. 2] Sectio9 [2][f]  (ii)the creditor does not know both the name of the driver and a current address for service for the driver, the creditor will (if all the applicable conditions under this Schedule are met) have the right to recover from the keeper so much of that amount as remains unpaid; Your PCN does not include the words in brackets and in 2a the Act included the word "must". Another fail. What those failures mean is that MET cannot transfer the liability to pay the charge from the driver to the keeper. Only the driver is now liable which is why we recommend our members not to appeal. It is so easy to reveal who was driving by saying "when I parked the car" than "when the driver parked the car".  As long as they don't know who was driving they have little chance of winning in court. This is partly because Courts do not accept that the driver and the keeper are the same person. And because anyone with a valid motor insurance policy is able to drive your cars. It is a shame that you are too far away to get photos of the car park signage. It is often poor and quite often the parking rogues lose in Court on their poor signage alone. I hope hat you can now relax and not panic about the PCN. You will receive many letters from Met, their unregulated debt collectors and sixth rate solicitors threatening you with ever higher amounts of money. The poor dears have never read the Act which states quite clearly that the maximum sum that can be charged is the amount on the signs. The Act has only been in force for 12 years so it may take a  few more years for the penny to drop.  You can safely ignore everything they send you unless or until they send you a Letter of Claim. Just come back to us if they do send one of those love letters to you and we will advise on a snotty letter to send them. In the meantime go on and enjoy your life. Continue reading other threads and if you do get any worrying letters let us know. 
    • Hopefully the ANPR cameras didn't pick up the two vehicles, but I don't think you're out of the woods just yet. MET's "work" consists of sending out hundreds of these invoices every week so yours might be a few days behind your partner's. There is also the matter of Royal Mail.  I once sold two second-hand books to someone on eBay.  Weirdly the cost of sending them separately was less than the cost of sending them in one parcel.  So to save a few bob I sent them seperately.  One turned up the next day.  One arrived after four days.  They were  sent from the same post office at the same time! But let's hope I'm being too pessimistic. Please update us of any developments.
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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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      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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any ideas where i need to research this ???

 

look on their website it says clear as day under secured loans - i've got a current welcome connection and they say 100% not authorised at branch level to do this - not allowed

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Hi andie, is that on the agreement or the Statement of Price? The problem is I can't check now till next week, coz I've came home for the holidays.

 

Its on the agreement.

Anyway - if the account is disputed they cannot ask you to pay, you do not have to offer to pay and they cannot lodge with a CRA - have you sent them the account in dispute letter?

 

have you spoken to FOS about it - welcome probably think they can bully you - they can't bully FOS

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I sent my complaint to the FOS about 3 weeks ago and rec'd a response just over a week ago confirming they had my complaint, but that it may take a while to resolve due to their backlog.

 

I only received this letter from WFS this morning, so I wasn't sure if they had to place it on hold, or if they were playing games again.

 

Do you know how to email compliance?

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I'm going to post the letter up as it's quite annoying how stupid they are. She's written 'please note we are not in a position to put your account on hold as it will eventually incur arrears and may result in adverse information being recorded on your credit file if the contractual repayments are not maintained'.

 

Surely if they place it on hold (which they are more than able to), it would not incur arrears? Further, only the information they pass on the the CRAs can affect my credit file. In other words, they're using the CRAs as a threat.

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I sent my complaint to the FOS about 3 weeks ago and rec'd a response just over a week ago confirming they had my complaint, but that it may take a while to resolve due to their backlog.

 

I only received this letter from WFS this morning, so I wasn't sure if they had to place it on hold, or if they were playing games again.

 

Do you know how to email compliance?

 

ring FOS and say they are demanding payment despite the account being in dispute - FOS will tell you what you can do or they will probably contact Welcome on your behalf

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had a letter saturday saying i had been charged £25 for outside call,and £10 for returned cheque,call for was when i pointed out that there was no agreement and would he kindly supply one and the £10 returned cheque fee is a joke as never send cheques,fourteen days up and never received a copy of the agreement.

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I know this is way off, but would anyone mind if I asked a quick question ? Can a lender refund the PPI onto your account, even if there are slight arrears ? Or can a person insist that it is refunded directly to them ?

 

Thanks x :-)

Forsure

 

** One woman crusade against the rip off lenders ! **

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I know this is way off, but would anyone mind if I asked a quick question ? Can a lender refund the PPI onto your account, even if there are slight arrears ? Or can a person insist that it is refunded directly to them ?

 

Thanks x :-)

 

Unless the amount repaid in PPI is more than what is outstanding on the loan then no - it always gets refunded back to the loan

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Why do they do that ? It seems a bit unfair, as it is ' my money ' what has been paid to them, I could deal with the arrears issue seperatley, and have been doing. Isnt there anything that can be done ? Seems like lenders can do what they like, when they like, and we are all just meant to put up or shut up ! :lol:

Forsure

 

** One woman crusade against the rip off lenders ! **

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But they don't know that do they? They could pay you this money back and then you never sort out your arrears?

 

And it's not just arrears if your account is up to date but the PPI doesn't amount to more than the outstanding loan it goes back to that.

 

I am up to date in my payments and have court case filed the first £1000 when I win will go on my account the next £3k will come back to me as my account will be satisfied.

 

Just the way of the world really - and I guess the thinking is that if you have every intention of paying off the arrears you'd have no issue with it being credited to the account

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Any help on how to word this on the court paper (DETAILS OF CLAIM SECTION) - completely out of my comfort zone:

 

Non compliance on Subject access request about 60days ago, although cheque now cashed.

 

Requested for an early settlement fig in Jan, got told it over the phone disputed the amount and request for breakdown and nothing received to date.

 

Requestig for a freezy on interest and refund on interest from Jan to date, as these have been suffered due to welcomes inability to produce a statement and early settlement figure.

 

Welcome claims the reason for the high settlement figure is due to missed payment, i can proof that i haven't missed any payment, a few late payments, but no missed payment.

Have never received a statement of account from welcome despite requesting for one over and over.

claiming any charges on the account - not sure of amount (again never received a statement or Subject Access Request request).

 

These thiefs has put a default on my credit file!!! want this removed, never received a letter to this effect and i don't believe i've ever missed a payment according to my bank record, a few late one, but non-missed.

 

Finally interest charged on acceptance fee

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I know this is way off, but would anyone mind if I asked a quick question ? Can a lender refund the PPI onto your account, even if there are slight arrears ? Or can a person insist that it is refunded directly to them ?

 

Thanks x :-)

 

 

I have just had PPI refunded to me by cheque, even though I have arrears on my loan account.

But, I think its according to who your PPI was with!

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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Tigga - are you telling me that Welcome decided that you couldn't claim on this policy??

 

It's none of Welcomes business - file a complaint NOW! - Welcome cannot say if you can or cannot claim on a policy as it does not belong to them!

hi andie thanks for the reply like i said this was a while ago when i was at a very low ebb threatened with eviction, which eventually was, but i had problems with water leaks and the insurance i had on my secured loan they wouldnt let me claim for the damage,/repairs which would of made selling the house more viable than eviction, now ive got more fight in me ive got nothing to lose digging into this and if i can help just one person on the way i will be happy,hoope they recorded the calls but i know it never went beyond welscum.

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