Consumer Action Group envelope labels
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Sheet of 20 self-adhesive envelope labels
£3.50 inc p&p
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Do your Internet search here
Reclaim the Right Ltd. - reg.05783665 in the UK
reg. office:- 923 Finchley Road
London
NW11 7PE
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Welcome Guest
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There are no charges for using any of the facilities of this website.
If this is your first visit, be sure to check out the FAQ.
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To start viewing messages, select the forum that you want to visit from the selection below.
You will also have to register to access our template letters and claims forms
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Are you being threatened over debts more than 6 years old?
This may be unfair
See our new Unfair Trading Guide Bought an extended warranty?
Not satisfied?
The warranty may be an example of unfair trading
See our new Unfair Trading Guide Have you been defaulted?
Would you like to clean up your credit file?
Check it out
Are you a victim of unfair trading?
Check it out
The Consumer Protection from Unfair Trading Regs 2008 Have you been defaulted?
Would you like to clean up your credit file?
Check it out
| | | | | | | Dealing with Debt in Scotland Advice and guidance on Scotland specific debt issues | Welcome to The Consumer Action Group
and
The Bank Action Group
Before beginning to claim your bank charges be sure to read the FAQ by clicking the link above. Read it carefully and also read as much of the forum material as you can manage before you start claiming your bank charges refund.
You will have to register before you can post or view the materials which may assist you in reclaiming your penalty charges: click the register link above to proceed.
To start viewing messages, select the forum that you want to visit from the selection below. Understand what you are doing and you will be able to Reclaim the Right more effectively.
Why don't you come and introduce yourself in the Welcome section at the top of the forum. Then have a look around the rest of it.
Do not post or start claiming until you have read the entire FAQ section and step by step guides and you have a good basic idea of what to do and of the layout of the forum.
Good luck claiming your bank charges. We strongly suggest that you register under a UserID and not your own name |  | 
24th September 2008, 13:16
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#1 (permalink)
| | Basic Account Customer |  Dont know what to do...
Hello,
I’ve just found this website (which is genius) by researching a letter from the SBI. (Scottish bureau of investigation) I expected Muldoon and Sculett to come marching through my front door, hunting down debts from another world!
I've been hounded by welcome finance, I had to quit my job ( I worked for carphone warehouse & because we sold insurance apparently I couldn’t work for them anymore)
I had to ask 2 guys to leave my store - who claimed to work for these monkeys, they "interviewed" my staff as to my whereabouts and after I quit, they came back to find out who and where I was now working.
They have been calling my folks who are pensioners and are terrified that they are about to be done for my debt.
Last year 2 guys came to my front door and handed my parents a letter, this was a charge of payment?? Not sure if that was the right name, but I took it to the CAB and started the process of bankruptcy. I had to quit my job and I was out of work for 3 months, so I didn’t go back to the CAB , I became really depressed and near suicidal, I split with my partner and just had a really bad time.
Since then, I’ve found a new job, but still not done anything to sort this out - you could say that I’ve buried my head in the sand.
I received a letter from this SBI crowd today and need to sort this.. I’m terrified about going bankrupt, but I just don’t know what to do.
I cant find the served letter & I don’t want to call them as they will just hassle my parents again. Apologies for the depressing diatribe, but if anyone can offer any advice I would be most grateful.
Last edited by Dallas78; 24th September 2008 at 14:14.
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24th September 2008, 16:59
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#6 (permalink)
| | Platinum Account Customer |  Re: Dont know what to do...
When did you take the loan out with Welcome Finance roughly and was it just a normal loan to advance you some funds rather than say for car purchase or something like that? Quote: |
They have been calling my folks who are pensioners and are terrified that they are about to be done for my debt.
| Your folks have no liability whatsoever for your debts. In fact they should not be contacting your folks at all.
From now on you must insist that all communication is in writing only (this is your legal right). DCA's have no legal powers and have no right to call when they have been explicitly told not to. | |
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Reclaim the Right Ltd. - reg.05783665 in the UK
reg. office:- 923 Finchley Road,
London,
NW11 7PE
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