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    • Okay please go through the disclosure very carefully. I suggest that you use the technique broadly in line with the advice we give on preparing your court bundle. You want to know what is there – but also very importantly you want to know what is not there. For instance, the email that they said they sent you before responding to the SAR – did you see that? Is there any trace of of the phone call that you made to the woman who didn't know anything about SAR's? On what basis was the £50 sent to you? Was it unilateral or did they offer it and you accepted it on some condition? When did they send you this £50 cheque? Have you banked it? Also, I think that we need to start understanding what you have lost here. Have you lost any money – and if so how much? Send the SAR to your bank as advised above
    • In anticipation of lodging my court claim next Weds 1 May (14 days after advising P2G that was my deadline for them to settle my claim) I have completed my first draft POC as below: Claim Claim number: xxxxx Reference: P2G MAY 2024   Claimant xxxxx   Defendant Parcel2Go 1A Parklands Lostock Bolton BL6 4SD  Particulars of Claim The defendant has failed to arrange for the safe delivery of the claimant's parcel containing a 8 secondhand golf clubs (valued at £265) that was sent to a UK address using their delivery service (P2G Reference xxxxx). The defendant contracted Evri to deliver the parcel (Evri Reference xxxxx) and refuses to reimburse the claimant on the grounds that the claimant did not purchase their secondary insurance contract. The defendant seeks to exclude their liability in breach of section 57 Consumer Rights Act. The secondary insurance contract is in breach of section 72. The claimant seeks reimbursement of £265, plus P2G fees of £9.10, plus postage costs for two first class letters to P2G of £2.70, plus court fees, plus interest. The claimant claims interest under section 69 of the County Courts Act 1984 at the rate of 8% a year from xxxxx to xxxxxx on £276.80 and also interest at the same rate up to the date of judgment or earlier payment at a daily rate of £xxxx   Details of claim Amount claimed £276.80 I look forward to your thoughts and comments guys! As ever, many thanks - G59    
    • Hmm, that's strange how they got my email then.  I assume the below is ok to send to DCBL, Nicky?  Hello, I am writing regarding our ongoing dispute and the upcoming court claim reference xxxxxxxx. To ensure fairness and transparency in our communications leading up to the court hearing, I request that you use postal mail exclusively for all further correspondence related to this claim. Please refrain from sending any communication or documents via email. Thank you for your understanding and cooperation. If you have any questions or need clarification, please feel free to contact me via postal mail at the address provided above. Yours sincerely, xxxx
    • In the SAR, I received the original application, lots of computer print outs, yearly statements from 2013 and the new emails regarding my complaint. They sent me a £50 cheque after I chased them for the SAR after the 30 days. They said they was waiting for me to respond to an email (which I never received) before sending the SAR
    • classic P2G. I'm sure dianne and Lesley will pop an email to you at some point.
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Welcome Finance Secured loan - house


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Hi,

 

I have a typical mortgage with the abbey and they provided me with the funds to buy my house. However I took out another loan to service house renovations via Welcome Finance and this was secured on my home.

 

The problem I have is that I have recently been made redundant and need to take a break from paying their secured loan for a short period ideally or at the worst case for me to pay a reduced amount. The loan takes 400 ish per month of my earnings on 10 year plan I believe.

 

What are the consequences and is there any formal process I can follow to make sure that they have to accept my offer.

 

If they do not accepot my offer they may threaten with a valuation and sale of my home but how does that affect the Abbey who are the mortgage provider on my property.

 

Apologies if this has been mentioned in other forums, I could not find my exact issue though when searching.

 

What is the letter of the law and can welcome threaten to have my house sold even though they have not provided me with the funds to buy the house, I merely have a secured loan - my house as security.

 

Thanks

 

:(

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Welcome can issue possession proceedings and force a sale on your house Abbey will have first call on any monies welcome to what is left. if there is a shortfall they will then chase you. That is the worst senario I sugest you write to welcome and ask what they would accept ie interest only for say six months with a re view if you cannot get them to accept you may have to go to court but if youn have agood payment record yuo should be ok

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Welcome can issue possession proceedings and force a sale on your house Abbey will have first call on any monies welcome to what is left. if there is a shortfall they will then chase you. That is the worst senario I sugest you write to welcome and ask what they would accept ie interest only for say six months with a re view if you cannot get them to accept you may have to go to court but if youn have agood payment record yuo should be ok

 

 

 

 

Thanks for this.

 

I do have a good payment record and have been with them for 2.5 years. I have been late paying on 3 occasions but have always agreed a payback to cover any shortfall. I expect they will accept my reduced offer actually as they know I am a good earner and will secure a job shortly. However I just need an offer of help.

 

I suppose I'm best writing to them and then giving them a call.

 

Cheers

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Hi there, it's best to put everyting in writing and send by recorded delivery. Welcome are notoriously bad where correspondence is concerned.

 

Keep us posted on developments and we will help as much as we can.

 

Kind Regards

 

 

Ell-enn

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Please consider making a donation, however small, if you have benefited from advice on the forums

 

 

This site is run solely on donations

 

My advice is based on my opinion and experience only. It is not to be taken as legal advice - if you are unsure you should seek professional help.

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Hi there, it's best to put everyting in writing and send by recorded delivery. Welcome are notoriously bad where correspondence is concerned.

 

Keep us posted on developments and we will help as much as we can.

 

Kind Regards

 

 

Ell-enn

 

Thank you kindly

 

Yes I agree they are. I have written without the recorded aspect previously to ask for a settlement figure and they have never responded.

 

I've also been verbally abused down the phone by their deputy manager before. I'm in the process of complaining about him. some of things he said were incredible. He was basically taunting me and suggesting my house was worth nothing and that I can't be worth much if I have to go to welcome finance for a high apr loan. Quiet funny really as my house is worth a reasonable figure and is newly kitted out. Really bizarre chap, maybe he was on his high rolling drugs :-|

 

I was astounded but I suppose if you want a poor job doing, you employ poor people and those that are willing to do it.

 

Cheers for response and will gladly let you know the outcome.

 

Regards

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If you don't get anywhere - I've got an email address for the Chief Exec's Secretary at Cattles PLC (who own Welcome) ;)

 

Ellx

Help us to keep on helping

Please consider making a donation, however small, if you have benefited from advice on the forums

 

 

This site is run solely on donations

 

My advice is based on my opinion and experience only. It is not to be taken as legal advice - if you are unsure you should seek professional help.

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If you don't get anywhere - I've got an email address for the Chief Exec's Secretary at Cattles PLC (who own Welcome) ;)

 

Ellx

 

 

Well I haven't heard anything for 4 weeks so I guess I haven't got anywhere. They would not give me anyway of reporting my complaint and only gave me another name within the office - that's it!

 

If you PM me I can always write an articulate email explaing events and how upsetting it was speaking to such a twit!

 

Thanks and much much appreciated. If only you could have been witness to the onslught and threats I received.

 

Thanks and hope to receive your pm message. It will be treat with the utmost of confidence / sensitivity

 

Regards

J

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  • 4 years later...

Hi,I have foolishly endured and suffered Welcome finance since 2005. I paid off my old Welc loan with a new one and this old one is classed as satisfied on my credit file and with welcome. My new loan if you can call it that started 2007 - mid year. During this period I have been told of various charges that have been applied, that I do not have ppi attached to my loan (although it could have been attached to my old loan with them i guess). In 2010, they made me an offer 'I couldnt refuse' they halved my interest to push me to pay more money into the account - which i agreed to do. so I increaed my payments of 426 to 636 pm and that was that. I made great strides into the account balance but then all of a sudden after only 4-6 months (lucky I checked) into it they reverted me back to my old interest rate and i was basck on circa 18% AGAIN. I called and complained and they apoligsed and agreed they had not written to me and asked me to sign anyting re switching back. Ever since I've been too busy setting up my own biz and raising 2 kids therefore I havent got round to looking into my account. Can I ask where do i start with welcome and where do i get copies of CCA letters, SAR letters etc? Can I also ask Welcome to lower my interest rate? this will help me pay it off quicker as I cannot afford the 18% they currently charge me. In principle I must have paid off the original loan of 22k by now. My calculation is as follows. .. Original loan in 2007 = 22k. Loan repayments since 2007 equate to 60 months at 426, this totals a payment to them of £25,560. Surely there is a law / agreement to be had to lower the APR as they have their money back by now and all the remaining 16k I still owe is pure interest? My house is secured against the loan and this is listed on my deeds with the registrar.Any advice will be greatly received as I've paid my way with these guys. As a family we've been tortured and this has happened in swarms and the attacks via telephone have been unashamedly brutal to say the least.I've now asked for all comm to be via post - so far so good.Thanks guys

ps my account is healthy and I am not in arrears

Edited by headingleyjr
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  • 6 months later...

Hi,

 

I have a 15k loan secured against a property with Welcome.

I've paid the loan since 2007 and am in a healthy state with them. That said I have just sent a SAR and PPI request as I believe there is an issue with my account in some shape or form.

 

If i stop paying Welcome until this is reolved will they put a charge on my property and force the resale?

 

Furthermore can I offer them a settlement figure to finish up amicably?

 

They are registered on the deeds - I think - as a compnay that i do no recognise and are not welcome but an affiliated company seem to have applied to be registered with my mortgage company.

 

Where do i stand can they force a resale if I dig my heels in and say no more m oney until my account is resolved?

 

I smell a rat with my account as my balance also never reduces and there was defo ppi stuck to it - back in the day - but I cancelled it mid term.

 

Pleasae help

 

Thanks

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If you stopped paying, they could issue a court claim and apply for a charge, but that would be a good few months off and can be defended.

 

My advice would be to continue paying, get the SAR and PPI, and reclaim them. If they are adding on charges currently, you can reclaim those too. Don't stop payments. If you have paid over what you actually owe, then you can reclaim. Remember, everything you reclaim can be reclaimed at the interest rate they charged you. You might even find that they owe YOU money, or what you reclaim could wipe out your debt.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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Yes indeed that's my thinking. i've hasd £10 charges, £1.50 charges, old ppi charges and a charge for it being xmas it seems!

 

I'll take your very welcome advice on board. i see from the FSCS website that they were in default basck in 2011 and this could mean that they are unlikely to repay ppi - that said the financial ombudsman or courts would see that i've paid and offset the figure they owe me against the loan i still owe?

 

Thanks again really appreciate advice.

 

Wish they'd just fall of the earth and liquidate but my prayer mat doesnt seem to be working!

 

I understabd i took out the loan but all the under hand charges etc etc i didnt sign up for :(

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