PPC - Has my name slightly wrong also please advise

[WFSSales]

Hi,

 

I got a private parking ticket, a few months back, and I have so far taken the approach to simply ignore the invoices that have been sent to me. The usual procedure of getting my DVLA registered keeper details has clearly been taken, but despite me knowing that the DVLA has my details correct, they have spelled my name wrong, changing it from a boys name to a girls name. Could this possibly work in my favour in the case that this ever goes any further....

I have no intention to pay for this ticket, but at what stage is it prudent to answer correspondence? Or do I just ignore it all as I am reading it's best to.

How might debt collecting companies get in contact with me aside from mail? Is there any way that they could obtain my phone numbers from anywhere? Is there the possibility that they would make outside calls to my house?

[kiptower]

read the posts on PPC it a mail [problem], even if the did come to your house there is sweet FA they can do

[postggj]

Hi,

 

I got a private parking ticket, a few months back, and I have so far taken the approach to simply ignore the invoices that have been sent to me. The usual procedure of getting my DVLA registered keeper details has clearly been taken, but despite me knowing that the DVLA has my details correct, they have spelled my name wrong, changing it from a boys name to a girls name. Could this possibly work in my favour in the case that this ever goes any further....

I have no intention to pay for this ticket, but at what stage is it prudent to answer correspondence? Or do I just ignore it all as I am reading it's best to.

How might debt collecting companies get in contact with me aside from mail? Is there any way that they could obtain my phone numbers from anywhere? Is there the possibility that they would make outside calls to my house?

 

 

HELLO WF SALES REMEMBER ME

I WILL ANSWER YOUR QUESTIONS WHEN YOU WITH HAND ON HEART ANSWER MINE, WHICH YOU SEEMED RATHER RELUCTANT TO

 

REF YOUR DEBT COLLECTION QUESTIONS

 

ASKS YOUR CONTACTS IN LEWIS OR CLULESS FOR ADVICE BEFORE ASKING FOR MY ADVICE

 

NOT BEING NASTY BUT ANSWER MY QUESTIONS AND I WILL ANSWER YOURS

[postggj]

To The Uneducated This Is

 

Welcome Finance Sales

[kiptower]

thanks for the update postie

[WFSSales]

Whoopee do, so I posted some comments a year ago, and I used to work for Welcome....do get over yourself...I just couldn't be bothered registering a new username.

 

I see no reason why I am answerable to you on a thread relating to an entirely different matter, is there not rules about cross-thread stalking and taking legitimate queries off-topic? If you are not interested in giving your opinion on this matter please don't bother replying.

[postggj]

Ime Not Going To Get Into A Debate

 

Cag Is A Self Help Forum

 

We Help Each Other

 

Not One Sided

[WFSSales]

It appears that you started a debate by discussing an unrelated issue from 1 year ago. To answer your question, I am now nothing to do with WFS and am unable to assist you further...now about my query.

[postggj]

No Comment

[WFSSales]

Boo hiss bad man sold PPi a year ago...

[2ltr16valve]

Boo hiss bad man sold PPi a year ago...

 

 

Happy new year, but I think you will now find little help here.

 

Everyone needs a job, but shafting people should be left to the government ! lol

[WFSSales]

Whatever...I'll grab a new username and post a similar question later, or post on another forum...like I give a **** what you think...I used to like laughing at people who cancelled their PPi and then asked us for payment breaks when their job went up the ****s, and they could have claimed...losers..

[crem]

Hi,

 

I got a private parking ticket, a few months back, and I have so far taken the approach to simply ignore the invoices that have been sent to me. The usual procedure of getting my DVLA registered keeper details has clearly been taken, but despite me knowing that the DVLA has my details correct, they have spelled my name wrong, changing it from a boys name to a girls name. Could this possibly work in my favour in the case that this ever goes any further....

getting your name right or wrong makes no difference to how you should be treating it

 

I have no intention to pay for this ticket,

good

 

but at what stage is it prudent to answer correspondence?

never

 

Or do I just ignore it all as I am reading it's best to.

yep

 

How might debt collecting companies get in contact with me aside from mail? Is there any way that they could obtain my phone numbers from anywhere? Is there the possibility that they would make outside calls to my house?

..

[2ltr16valve]

Whatever...I'll grab a new username and post a similar question later, or post on another forum...like I give a **** what you think...I used to like laughing at people who cancelled their PPi and then asked us for payment breaks when their job went up the ****s, and they could have claimed...losers..

 

 

Well suited to working for Wel **** ! You fit their name I see, simples !

 

You must think people here are very stupid !

 

Shame welcome/cattles have gone tits up ay ! we can all laugh at the staff who wont be able to afford their payments now wont we HA HA HAHAHAHHAHA HAAA

 

As a side note, Most the PPi sold was miss sold anyhow so what difference would it of made if it was cancelled and refunded ? and they lost their jobs ? selling it to people with previous heart issues, mental health issues etc is DECEPTION !

[postggj]

NOW THIS PERSON HAS SHOWN THERE TRUE COLOURS

 

WELL IF YOU LAY WITH DOGS, YOU GET FLEAS

 

THIS WAS A TYPICAL COMMENT LAST YEAR FROM WELCOME FINANCE SALES

 

 

 

Hello, I work in sales at WFS...they're a fantastic company to work for, but I'm guessing most of you don't care about our free vending machines and fresh deli sandwiches and you want my opinions of the so-called "misselling" of PPI, our "extortionate" APRs, and our utterly unreasonable demands to ask for the money we lent you back as per the legal document you signed with your own free will.

 

I'll start by saying that I personally wouldn't touch a WFS loan with a barge pole...but why would I need to? I'm not some muppet who has 10's of 1000s of punds worth of defaulted debt and CCJs...I just talk to such people. I earn and I save, and I don't borrow. Maybe I'll get a mortgage one day, and you can be damn sure with my spotless credit file that I'll be shopping around for the best rates in the prime market.

 

Far be it for me however to deny my employers their marketplace, and they pay me well with handsome bonuses for compliant sales of PPI, life insurance, accident insurence and home emergency insurance. Did you spot that c-word? Yes compliant.

 

In the script that we work off, a number of give away phrases are used. To start with we make it clear at the start of the call (where we witter on about the agenda) that we fully intend to offer you insurences if we establish you qualify for them. We then ask a bizarre series of questions (are you in the army, are you self-employed, do you have any next of kin) especially designed to ensure that according to the answers you give, that FSA rules on selling insurences is obeyed to the very letter of the law.

 

Next when we come to the big push for insurences, the words "of course the insurences are optional" is printed in extra bold type and we are trained to emphsise this statement, so at the end of it nobody can be in any doubt that the customer has taken it (the quote with insurance) of their own free will. Incidently the calls are really ALL recorded so it would be very easy to prove if we missold or not, in case conspiracy theorists are about to angle that we don't do what we're told. We live under constant fear of being monitored by the quality section.

 

If that were not enough, the whole shebang of info is sent for your perusal...remember we only quote...you do the whole paperchase, signing, and dreaming of what you'll do with the cash. We look at your file. We ask you what your existing credit is. We don't judge you for having a piece of sh!t credit rating. We certainly don't quote you if your outgoings are more than your incomings...the decline button is our friend in such cases.

 

I personally think you'd have to be insane to take APRs of upto 80% (and yes I sold such a rate today with PPI), but people are snapping them up like there's no tomorrow. Put it this way. There are 80 (yes 8-0) sales people on our floor, who are on the phone from dawn til dusk, and still the recruitment drive goes on...we get insane amounts of calls every single day and insane amounts of loans with PPI are given and paid out. The Crunch is also our friend.

 

We are not forcing people to take these rates, nor are we forcing people to take the frankly quite ridiculous PPI..indeed if they ask us (for the 3rd time at least) to take the PPI off we do so with the utmost courtesy, and it is never even hinted that the quote is indanger of being declined if they don't want it. It p!sses my bonus up but thats FSA rules for you...

 

Finally, I'm not sure how far people are not getting the concept of legal agreements, but my hard and fast rule is, if you don't like them don't sign them, and if you do make sure you stick to them. Whining that it's not fair that you have to pay back your loan is just pathetic....I see some ridiculous credit files daily with folks owing thousands, but still wanting more. They often have great jobs, but instead of saving money they p!ss it all up the wall on crappy interest payments...but fok me if that's not their choice.

 

I hope I've been frank with you on this. I like having a job, and this is certainly better than flipping burgers or emptying wheelie bins, and it's definitley better than being dolescum. I like welcome, they give me money...but the difference is that I don't have to give it all back to them and then some.

[saintly_1]

Can we please keep the thread free from insults or I may have to step in and moderate posts ......

[postggj]

Sorry Saintly

 

Point Taken

[WFSSales]

Cheers for the opinions Crem

 

Incidently 2ltr16valve I have no payments....I'm debt free...don't assume that I am dumb enough to take out loans for things i can't afford out of my immediate personal finances.

 

Incidently, I stand by all those comments made last year. There was no deception for my part.

[asmodeus]

In an effort to keep on track

 

The only thing that warrants a reply are properly served court documents which will have a claim number and a court seal

 

Should receive one without these then report it to the court concerned as it is misuse of official documents

 

The solicitors GW have started phoning once the threat-o-grams fail and proceedure is the same in tha you need to give a short, dismissive answer, do not engage in any form of converstion and replace the handset before they can reply. You need to be polite in case they are recording

[crem]

You need to be polite in case they are recording

 

I believe it is illegal for them to record a call without informing you first that this is taking place. If they have, then anything on the tape would not be allowed to be presented in a court.

[ErikaPNP]

I believe it is illegal for them to record a call without informing you first that this is taking place. If they have, then anything on the tape would not be allowed to be presented in a court.

 

It is not illegal to record a call without the other party's knowledge. It is illegal if a covert recording is made available to a third party, however in some instances it can legally be disclosed if necessary, for example for the purpose of or in connection with, legal proceedings (including prospective legal proceedings), or by order of the court. This is set out in the Data Protection Act 1998.

[postggj]

if memory serves me right

 

it is not illegal to record a call if less than three people at the time have access to it

 

no licence is required

 

a company with more than three staff would need a licence to record and be registered under the data protection act

 

a statement saying calls may be recorded for security and staff traning is the norm but must be disclosed

[green_and_mean]

Recording calls is also covered by RIPA

[lamma]

calls that you receive can be recorded for your own purposes without informing the other party to the call. we have been over this many times. if after the fact these calls become pertinent to legal proceedings you would have no trouble at all introducing them just as you would be be able to lead any other personal records that you have.

[green_and_mean]

calls that you receive can be recorded for your own purposes without informing the other party to the call. we have been over this many times. if after the fact these calls become pertinent to legal proceedings you would have no trouble at all introducing them just as you would be be able to lead any other personal records that you have.

 

Just because you keep saying it doesn't make it right, you can record as long as you don't pass to a 3rd party. There is no exemption for use in Court and any phone records will be covered under the DPA as personal data of the other person on the phone.