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    • The case against the US-based ride-hailing giant is being brought on behalf of over 10,800 drivers.View the full article
    • I have just read the smaller print on their signs. It says that you can pay at the end of your parking session. given that you have ten minutes grace period the 35 seconds could easily have been taken up with walking back to your car, switching on the engine and then driving out. Even in my younger days when I used to regularly exceed speed limits, I doubt I could have done that in 35 seconds even when I  had a TR5.
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    • Thank you for posting up the results from the sar. The PCN is not compliant with the Protection of Freedoms Act 2012 Schedule 4. Under Section 9 [2][a] they are supposed to specify the parking time. the photographs show your car in motion both entering and leaving the car park thus not parking. If you have to do a Witness Statement later should they finally take you to Court you will have to continue to state that even though you stayed there for several hours in a small car park and the difference between the ANPR times and the actual parking period may only be a matter of a few minutes  nevertheless the CEL have failed to comply with the Act by failing to specify the parking period. However it looks as if your appeal revealed you were the driver the deficient PCN will not help you as the driver. I suspect that it may have been an appeal from the pub that meant that CEL offered you partly a way out  by allowing you to claim you had made an error in registering your vehicle reg. number . This enabled them to reduce the charge to £20 despite them acknowledging that you hadn't registered at all. We have not seen the signs in the car park yet so we do not what is said on them and all the signs say the same thing. It would be unusual for a pub to have  a Permit Holders Only sign which may discourage casual motorists from stopping there. But if that is the sign then as it prohibits any one who doesn't have a permit, then it cannot form a contract with motorists though it may depend on how the signs are worded.
    • Defence and Counterclaim Claim number XXX Claimant Civil Enforcement Limited Defendant XXXXXXXXXXXXX   How much of the claim do you dispute? I dispute the full amount claimed as shown on the claim form.   Do you dispute this claim because you have already paid it? No, for other reasons.   Defence 1. The Defendant is the recorded keeper of XXXXXXX  2. It is denied that the Defendant entered into a contract with the Claimant. 3. As held by the Upper Tax Tribunal in Vehicle Control Services Limited v HMRC [2012] UKUT 129 (TCC), any contract requires offer and acceptance. The Claimant was simply contracted by the landowner to provide car-park management services and is not capable of entering into a contract with the Defendant on its own account, as the car park is owned by and the terms of entry set by the landowner. Accordingly, it is denied that the Claimant has authority to bring this claim. 4. In any case it is denied that the Defendant broke the terms of a contract with the Claimant. 5. The Claimant is attempting double recovery by adding an additional sum not included in the original offer. 6. In a further abuse of the legal process the Claimant is claiming £50 legal representative's costs, even though they have no legal representative. 7. The Particulars of Claim is denied in its entirety. It is denied that the Claimant is entitled to the relief claimed or any relief at all. Signed I am the Defendant - I believe that the facts stated in this form are true XXXXXXXXXXX 01/05/2024   Defendant's date of birth XXXXXXXXXX   Address to which notices about this claim can be sent to you  
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      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.
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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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Hi all! I am sooo pleased to learn that the post regarding the reply from Norwich Union may be a hoax. I got a little bit worried when I read that because I used to be an underwriter for Norwich Union. I know how many different systems they use and loads of different departments. I worked next door to a different department for 5 years and still didn't know what they did. Also I spent a full day once trying to locate someones policy who got directed to our office by switchboard. I guess what I am saying is I thought that maybe welcome policies were being underwritten in some little office somewhere within Norwich Union - but I hope this is not the case :)

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I think there's more than one - still currently in the ranks believing to be undetected - anyone else getting PM's seemingly trying elicite information??

 

DELETE!! - I'M NOT THAT STUPID!!

 

 

I prefer to not discuss issues in PM's with people I dont kow (except the odd few -Grin) . I think its safer that way.

 

Stewie

I need to change my avatar..But cant find a good replacement.

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corry but thats a bit of a daft question as you have been giving me advice on my welcome agreements,had one back from 2005 cancelled the ppi,they set up a new secured loan but partner hasn't signed agreement they said doesn't matter as they had signed the old one.

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biddy

 

it does not matter if they signed the old one

 

rollocks

 

a new agreement is just that, cancells out the old one period

 

the only exception would be if you signed a bit of papper to vary the original, which again needs both sig,

 

but yours is a new loan

 

 

BIDDY

WHO IS CORRY

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whats keeping the share price up

 

I see this question all the time on here, what’s keeping it up in my opinion is people are in such loss with it, they are holding on to their share, as it dropped so quick that made their investments practically worthless so what they will get pulling out is practically nothing. They are now clinching to hope and praying for a miracle. If the miracle happens then they will be rich if it doesn't nothing to lose from the current position.

 

So weighed up at current position its worth the risk.

 

But as days go buy people are losing faith and taking their pennies out hence its deteriorating slowly.

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Thanks Post - I have been following this thread for ages - seem to spend my days waiting for the downfall of welcome. I have had several loans with welcome over the years and wish to god we had never taken the secured loan last year but our financial circumstances changed and we were desperate. I hate the fact that they hound you even when you are not in arrears but from reading this forum I am no longer intimidated by them.

 

I just hope there is some way we can get rid of them for good

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Take My Word For It

 

No Matter What Happens Welcome Are Finished, History.

If By A Miricle Cattles Survive, It Will Be A Very Minor Player If It Does, It Will Dump Welcome.

 

This Biz Over Insurance Has Not Only Direct Group And Welcome Worried But Also Norwich Union.

 

Just Look What Has Happened To The Cattles Shares On Welcomes Anticts,

 

Myself, Dipply, Animal Lover, And A Few Others Are Responsable For This.

 

We Were Being Talked About On These Share Trading Sites 12 Monts Ago About Cattles Dodgy Dealings.

 

What Set It Off Was That Cattles Had Nothing In Reserve To Handle All The Misselling Claims, After That, Every One Got Involved And All But The Hardest Investor Jumped Ship.

 

Just Look At The Share Trading Graph Over The Last 12 Months

 

NOT SO LONG AGO CATTLES WAS NEARLY £5.00 A SHARE

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I hate the fact that they hound you even when you are not in arrears but from reading this forum I am no longer intimidated by them.

 

:) Thats the thing, there is nothing worse than feeling isolated and intimidated when one of them calls or shows up at the door. But this forum shows that you're not alone and that they are nowt but bullies....correction....now unemployed bullies.

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Morning post, read the post with corry in it. Think its supposed to say sorry.?

 

 

Getting a bit confuddled now about caggers trying to extract info and false trails etc!!

 

Hey ho it will all come out in the end I suppose. ( I am not a spy by the way!!!!!!!) Really feel as if I need to reiterate that at the mo being a new cagger!

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:) Thats the thing, there is nothing worse than feeling isolated and intimidated when one of them calls or shows up at the door. But this forum shows that you're not alone and that they are nowt but bullies....correction....now unemployed bullies.

 

 

I couldn't agree more Shella :) - from reading this forum I know my rights and have sent them packing when they have come to the door. Before I would have felt scared and forced into talking with them.

 

I should add they came to my door on the day my payment was due and it didn't go through by card payment - what other company does this!!! most will phone or send a letter. As it turns out it was their incompetence that meant the payment didn't go through not mine.

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T I hate the fact that they hound you even when you are not in arrears but from reading this forum I am no longer intimidated by them.

 

 

 

Snap milly, my local tried it on with me on Tuesday with veiled threats about asset management and my car being an asset.

 

Told her (politely) to jump they cannot touch it.

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Yesterday I Was Playing The Fool.

There Was A Few People Trying To Put A Spanner In The Works, I Played Along.

 

They Are No Longer With Us After I Rapped There Knuckles

 

Mr Palmers School Report

 

Must Try Harder

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Morning post, read the post with corry in it. Think its supposed to say sorry.?

 

 

Getting a bit confuddled now about caggers trying to extract info and false trails etc!!

 

Hey ho it will all come out in the end I suppose. ( I am not a spy by the way!!!!!!!) Really feel as if I need to reiterate that at the mo being a new cagger!

 

 

haha Pickaname I know the feeling me being a newbie too

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Guys it looks like I'm the only one with a reply from Welcome today!

 

Again they've denied adding interest onto the Acceptance Fee, however, I sent another copy of the letter a few days ago with a copy of the Statement of Price and I even underlined it for them! So it'll be interestin to see their response to that!!

 

A thing that puzzled me however, was that they say 'we are contractually empowered to charge interest on the Acceptance Fee and this does not, in any way, impact the enforceability of your agreement'. Does that mean they're saying they do have the right to charge interest?? :confused:

 

Another thing, which I laughed at at the time of reading, but now I'm peed off at is their response to my original agreement. I advised them it wasn't a full SAR as they did not enclose my original agreement ie the first one I signed in 2005, and her response, 'I can confirm that we are unable to provide the original agreement, however, you have been provided with a copy of the same.' Duh!!! Who would expect a company to send out the actual agreement?? I'm sure she knew what I meant.

 

It's definitely ****ed me off enough to take this further.:mad:

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No Original

Game Over

 

Welcome Under The Cca Can Now Reconstruct An Agreement To Look Like The Original,

But To Enforce, They Need The Original

 

People

 

Just Because You Get An Agreement, Does Not Mean Its Legit

 

Smoke Screen And Mirrors Again

 

Well Done Sol

 

Happy For You

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I Think This Acceptance Fee Issue Needs To Be Cleared Up

 

If The Credit Ammount/loan And Acceptance Fee Have Been Put Togeather Before Calculating Interest, Game Over

 

If The Acceptance Fee Has Been Kept Seperate And Included In The Total Ammount Of Credit

 

Its Ok

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