Welcome Finance visiting

[caledfwlch]

just has a letter pushed through my door by a rep of Welcome Finance, sorry you werent in bla bla, £25 charge for the privilage. Do they actually have any right to impose the charge since they did not contact me beforehand to make an appointment?

Im going to be sending the tresspass letter, and a strongly worded one about how I will not speak/deal with them at the moment while awaiting legal advise due to their staff committing fraud (through fake "visits" which didnt happen) Ringing up family members masquerading as my bank, ringing up my partner pretending to be a police fraud investigator, actually turning up when I was out and ordering my partners friend to tell her where my work office was so he could "go and sort me out" and scaring the absolute hell out of her. oh and plenty of anonymous phone calls a mix of ringing then ending or waiting till i answer and silence followed by hanging up, it didnt occur to the dimwits that doing this while one of their colleagues is making calls in the background "hello this is so & so from Welcome Finance" is not helpful in the conduct of a good "anonymous" call.

then theres the phone calls where towards the END of the call they then advise me that they are recording it. Phoning my mother pretending to be a bank, and then making more calls later during the day threatening HER and told her he would come round later and smash my windows if I didnt phone him!

Threatened to go to our Landlord! Also made several attempts to contact my former employer masquerading as a bank again I think and fish for information, luckilly the head of HR there is switched on. Informed me they had the legal right to send Bailiff's around without a court order (i guess that recording will disapear lucky im keeping a log) Also informed that by law he can phone me as many times a day as he feels like. In the end got totally *** off and told him to take me to court where I can face a judge and get a decent repayment plan, Oh no he said, not till we add on at least 12,000 in charges for "visits" and phonecalls. Told him fine, but in that case my immediate Bankruptcy upon their application for a CCJ of that amount would scupper his plans, he hung up.

Was even phoned by the Branch manager, and he would not deal with my complaint. He also was telling my I was being charged for 3 or 4 home visits a day....

	Record your calls Follow this link to read the review of the Truecall telephone recorder and call manager. This is the Rolls Royce of call recorders. It's a bit pricey but if you buy it with our special offer you will get it at cost: about 20% discount. How much do we make on the deal? - Nothing at all. You can also buy cheaper devices from Maplins. Truecall is the best - but the important thing is to record your calls.

[Bigmac versus]

Absolutley shocking.
Send them a Subject Access Request and see what charges there are on the account mentioning that the account is in dispute due to disproportionate charges on the account.
Also there is a template in the lib for stopping the harassment.

	Subject Access Request A Subject Access Request is a demand which you can make to any organisation to disclose any personal information which they hold on you. The right to disclosure of data is provided by the Data Protection Act. There is no time limit. The organisation is obliged to reveal everything they have about you - which you ask for - as far back as you ask for. There are very few exceptions. It does not matter whether the data is held on microfiche, in an archive, on tape, in a cardex system, in sound recordings or in screen notes. Some companies are saying that they do not have to disclose where it would be difficult to do so - "disproportionate effort". This is untrue. Disproportionate effort refers to something else under the Act. If you are seeking bank charges information then you should ask for "all data held on you" and you should make it clear that you want everything as far back as it goes. Do not be put off by excuses. Do not accept being fobbed off. It is not in your bank's interest to make full disclosure to you. This means that it is in your interests to get it. If you have not started gathering your bank charges information yet, then you should start now. There will soon be a big rush once the OFT test case has been settled. Get all of your bank account informtion as far back as possible. At least as far back as 1995. If your bank says that they don't keep data as far back as this, don't accept it. Be persistent. They've got what you need in some form or other.

	Disputed account materials Follow this link to our library of materials to help you try to deal with the problems of defaults on disputed accounts. It is contrary to Information Commissioner guidelines and also contrary to the banking code to default disputed accounts. However, it happens all the time.

[caledfwlch]

Dealing with Welcome is like hitting your head repeatedly against a brick wall!

I answered a call from a women in their office last week, and offered £20 a month, but hopefully more as and when finances dictate, she agreed, but wanted my Debit card details, to which I declined to give - considering how they have been behaving, including the adding of charges for "visits" which never happened, I am hardly going to give them what amounts to a signed blank cheque. I asked if they have those giro slip thingys they can send out for me to use "oh, we don't do anything like that, we can take direct debit or debit card only" I then offered Standing order and she agreed to send me a letter with details for welcome so i can set it up. Letter never arrived, then yesterday I get a call from a different office, chasing payment, pointed out the trouble and threats I had been having with their bloke in the local office, she even agreed with me :o "oh yes, he's known for it" She said they do have a card they can send out for the Post Office, where I can go in and use it to make payments, which would be perfect for me. But then started waffling about going into their local office (the one Zed works at btw) without explaining why i need to go there, said no. She agreed to send out the PO card. Now today im getting missed calls from them... just round and round in squares.

I have noticed this now in all my dealings with them, they are absolutely OBSESSED with getting me to visit the local office in person, is this usual for them, does anyone know why, or is it in the hope they can intimidate me more than when im on the phone spouting of my rights at them? They have NO chance of getting me to go in, Frankly, im not a small chap, but the threats of violence made against me are enough that I actually would fear for my safety, going into the offices of a finance company... crazy I keep offering repayments, and the mechanisms for allowing those repayments never materialise, i just get more phonecalls. My very first offer when things went pair shaped, was essentially cut my payments in half, but rearrange the loan to a longer repayment period so that I wouldnt be in arears, but would be able to keep to the monthly payments, an offer flat out refused.

So what I should I do. I need to get my act together this week and send out the Subject Access Request, the telephone harrassment letter, and of course the famous CCA request just to play with them. Should I start the CCA with "i dont acknowledge any debt" on the offchance they dont have it? Id rather repay it and maintain the moral highground obviously, but im that **()£ with them, and stressed with the threats and fakery going on, i probably wouldnt loose any sleep to screw them on the CCA hehe.

Anyone have any suggestions on how to proceed other than those letters? I have call logs I typed up after every call on my PC and a statement from my mother on the telephone calls she received, and I can contact my ex employer to see if she can email a quick note just saying that Zed had made several attempts to contact her and it seemed very "fishy" which was her words.

What would happen if i just changed my phone number and sent them a letter to the effect of "ive tried to come to arrangements, and everything that gets agreed is torn apart the next day and phonecalls start again, please take me to court"?? With my logs and statements, partner and her friend dealt with some of the calls and can write a statement to, is there a remotest posibility a Judge would give me a decent repayment plan/write off some of the debt due to the harrassment, or anything else?

	Record your calls Follow this link to read the review of the Truecall telephone recorder and call manager. This is the Rolls Royce of call recorders. It's a bit pricey but if you buy it with our special offer you will get it at cost: about 20% discount. How much do we make on the deal? - Nothing at all. You can also buy cheaper devices from Maplins. Truecall is the best - but the important thing is to record your calls.

	The Direct Debit Guarantee • The Guarantee is offered by all Banks and Building Societies that take part in the Direct Debit Scheme. The efficiency and security of the Scheme is monitored and protected by your own Bank or Building Society. • If the amounts to be paid or the payment dates change, we will notify you three working days in advance of your account being debited or as otherwise agreed. • If an error is made by us or by your Bank or Building Society, you are guaranteed a full and immediate refund from your branch of the amount paid. • You can cancel a Direct Debit at any time by writing your Bank or Building Society. Please also send a copy of your letter to us. This is a term of your banking contract and you can sue on it.

	Subject Access Request A Subject Access Request is a demand which you can make to any organisation to disclose any personal information which they hold on you. The right to disclosure of data is provided by the Data Protection Act. There is no time limit. The organisation is obliged to reveal everything they have about you - which you ask for - as far back as you ask for. There are very few exceptions. It does not matter whether the data is held on microfiche, in an archive, on tape, in a cardex system, in sound recordings or in screen notes. Some companies are saying that they do not have to disclose where it would be difficult to do so - "disproportionate effort". This is untrue. Disproportionate effort refers to something else under the Act. If you are seeking bank charges information then you should ask for "all data held on you" and you should make it clear that you want everything as far back as it goes. Do not be put off by excuses. Do not accept being fobbed off. It is not in your bank's interest to make full disclosure to you. This means that it is in your interests to get it. If you have not started gathering your bank charges information yet, then you should start now. There will soon be a big rush once the OFT test case has been settled. Get all of your bank account informtion as far back as possible. At least as far back as 1995. If your bank says that they don't keep data as far back as this, don't accept it. Be persistent. They've got what you need in some form or other.

[LancerQRL]

cca, Subject Access Request, telephone harrasment, i want charges back, ppi refund,
hit them with the lot they soon become punch drunk- aim it more at the local branch manager rather than those in the ivory tower in ruddington notts - good luck, they have left me alone for four months- told them point blank account in dispute and aint paying another penny until its sorted- and are very very soon in default on cca (42 days)

	Subject Access Request A Subject Access Request is a demand which you can make to any organisation to disclose any personal information which they hold on you. The right to disclosure of data is provided by the Data Protection Act. There is no time limit. The organisation is obliged to reveal everything they have about you - which you ask for - as far back as you ask for. There are very few exceptions. It does not matter whether the data is held on microfiche, in an archive, on tape, in a cardex system, in sound recordings or in screen notes. Some companies are saying that they do not have to disclose where it would be difficult to do so - "disproportionate effort". This is untrue. Disproportionate effort refers to something else under the Act. If you are seeking bank charges information then you should ask for "all data held on you" and you should make it clear that you want everything as far back as it goes. Do not be put off by excuses. Do not accept being fobbed off. It is not in your bank's interest to make full disclosure to you. This means that it is in your interests to get it. If you have not started gathering your bank charges information yet, then you should start now. There will soon be a big rush once the OFT test case has been settled. Get all of your bank account informtion as far back as possible. At least as far back as 1995. If your bank says that they don't keep data as far back as this, don't accept it. Be persistent. They've got what you need in some form or other.