Marc Gander - The Consumer Survival Handbook


A 220 page introduction to all things consumer related by our own BankFodder.

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Patricia Pearl - Small Claims Procedure - A Practical Guide


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Results 61 to 74 of 74
  1. #61

    Default

    I had a letter from Atlas AKA Welcome saying they need to talk to me about my account.
    I wrote back and explained that I would only communicate in writing (see my previous thread - harassment).
    I had not heard anything since my letter to them.

    late yesterday afternoon my OAP neighbour comes over the road to tell me that Royal Mail had just CALLED her on her landline to say they had a delivery for ME.
    But when they tried to deliver it I was out.

    The well spoken gentleman on the phone asked my neighbour if she knew my mobile number and asked if i was at work.
    She said no & no.

    When she was telling me this I immediately smelt a rat.
    I was not awaiting delivery of anything and Royal Mail leave while you were out cards.

    I called my Ex partner and my mum really worried.
    I did not understand what the caller was trying to achieve and was mainly worried for mine and the childrens safety in the house, was it someone trying to get my number so they could find out when i was out and then rob me.
    My dad even came round this morning to fit another bolt/lock to the front door.

    At 8AM this morning I received a private number incoming on my landline,
    I picked up the call,
    I was intrueged to who would be called me that early.

    it was Atlas collections,
    their main concern was obtaining my mobile number.

    I explained that i had written to them explaining that i only wanted to deal in writing but they managed to pursuaede me into giving them my mobile.
    then they wanted to go over my situtation and set payment dates etc.

    Then at 10am this morning,
    I had my post and what the postman delivered was a 'while you were out card'
    I opened the door and said 'im in!'
    - showed him the card which was very very similar to a royal mail card and he said it was not royal mail.

    The card said to call a mobile number that was handwritten on the card or text my mobile number to it.
    The 'whille you were out card' had my address hand written on it, and a reference number to quote and a first class stamp.

    What delivery company POSTS a while you were out card?!
    I called the number and questioned the man,
    I told him i believed he was welcome finance,
    i said to him your clearly not a courier comapny as couriers would leave a card not post it, anyway it was just all a load of absolute rubbish.

    Clearly the call to my neighbour and the courier card were all an attempt to obtain my my mobile number.
    This morning they called me at the normal household manic time of day and managed to get it anyway.

    My poor OAP neightbour has cancer and recently nearly died, this call worried them so much so if you are reading this Welcome then well done!

    Last night was terrible I was so frightened in my house with my 2 babies.
    I thought someone might be watching us to burgle us.
    My mum nearly stayed the night, but shes old too and I told her to go home.

    Any advice caggers?
    this is completely unacceptable,
    especially when i have responded to their correspondance and have proof of postage.

    I was in communication with them so why are they so deseprate to speak on the phone.
    They even said this morning they 'prefer to discuss on phone than in writing'

    I suppose problem being that I cannot prove that the call or card is them but its is so very obvious that it is!

    ls excuse poor spelling not time to check over

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  2. #62

    Default Re: Welcome now Atlas Collections - requesting I call them

    You need to contact the OFT about this. What they are doing is against OFT guidance on debt collectionicon and can result in them losing their licence.

    Last night was terrible I was so frightened in my house with my 2 babies. I thought someone might be watching us to burgle us. My mum nearly stayed the night, but shes old too and I told her to go home.
    What do you mean?

    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
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  3. #63

    Default Re: Welcome now Atlas Collections - requesting I call them

    Thanks Renegadeimp I will do exactly that thank you.

    Sorry if i was not clear,

    what I meant was;
    on the evening that my neighbour told me that 'royal mail' had been trying to get my mobile number,
    I did not realise at that stage that it was Welcome Finance,

    I/we was panicking about who and why would want my mobile number and almost called the police in case it was a possible burglar.
    I was extremely nervous that evening (single mother at home with 2 children) as I felt as though someone might have been following/watching me/us.

    I get on really well with my OAP neightbours and it concerned me that whoever called them knew that out of a lot of other neighbours in the street,
    they knew to call them to ask questions about me.

    turned out the next day that following the 'delivery card' and the 8AM call, I put 2 and 2 together and realised it was Welcome.
    Panic over but still very annoyed at the concern and worry caused


  4. #64

    Default Re: Welcome now Atlas Collections - requesting I call them

    Then its time to get those complaints rolling to all the regulators and a very very strongly worded complaint to the muppets chasing you.

    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
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  5. #65

    Default Re: Welcome now Atlas Collections - requesting I call them

    Have you had anything in writing yet?


    You are not obliged to speak to any doorstep debt collectoricon, should one confront you "invite them to leave" if they remain call the police and state you are alone with young children and you feel threatened.


  6. #66

    Default Re: Welcome now Atlas Collections - requesting I call them

    Hi
    do you still have the 'while you were out' card? If so can you either post it up on thread (suitably redacted) or copy it to a member of the site team.

    This sounds very much like they are using underhand methods to get you to contact them and is in clear breach of the OFT debt collectionicon guidelines
    (not making clear who or what they want)

    If you are asked to deal with any matter via private message, PLEASE report it.
    Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor
    Please help CAG. Order this ebook. Now available on Amazon. Please click HERE
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  7. #67

    Default Re: Welcome now Atlas Collections - requesting I call them

    thanks renegadeimp - when you say compain to all regulators , who else apart from the OFT?

    thank you Brigadier - Yes they wrote and i replied in writing saying i only wished to communicate in writing, they claim they never received this letter although i have proof of postage.


  8. #68

    Default Re: Welcome now Atlas Collections - requesting I call them

    Such a letter should be sent "signed for 2 post.
    Don't use addresses with a PO Box number letters to those often go astray.


  9. #69

    Default Re: Welcome now Atlas Collections - requesting I call them

    thank you silverfox yes I do have the while you were out card, who should I copy and send to?


  10. #70

    Default Re: Welcome now Atlas Collections - requesting I call them

    The OFT is no more the FCA took over in April

    Has there been any further developments since March??

    Part from Atlas??


  11. #71

    Default Re: Welcome now Atlas Collections - requesting I call them

    Scan it up, edit out personal info/reference numbers and uploadicon it as a PDFicon file.

    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
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  12. #72

    Default Re: Welcome now Atlas Collections - requesting I call them

    Update on Welcome Finance Secure Loan.

    Appears debt taken over by Coast Finance Solutions.

    Checked my latest credit report and no mention of this debt (credit expert).

    I stopped paying them about 6 months ago,

    I have today received a lettericon saying they are going to send a field agent and charge 120.00.

    I wanted to check figures but on downloading the credit report cannot see this on there,
    it was a secured loan,
    its quite an old debt now,
    I took this out i think in 2010.

    I've been in an arrangement for a very long time paying a very small monthly token payment, up until about 6 months ago when things were particularly difficult.

    Can anyone advise what it means if someone is chasing a debt which is not listed on your credit report?

    Many thanks

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  13. #73

    Default Re: Welcome Finance secured loan - now sold to coast

    just means the default reached 6yrs.
    so under ICOicon rules the debt is removed.
    doesn't mean it not owed mind.

    looking back over the thread
    it looks suspect to me in many areas.

    if you type in coast finance in the top red toolbars search CAGicon box

    you'll see these are overseas buyers that have bought an old welcome portfolio.

    pers id send them a CCA Requesticon.

    i'd also get a new SARicon from welcome too.

    PLEASE REFRAIN FROM HITTING 'REPLY WITH QUOTE' IF YOU ARE SIMPLY REPLYING TO THE LAST POST IN A THREAD..JUST TYPE!!
    it makes a thread twice as long to scroll through..save data download times and costs
    If you want advice please PM me a link to your thread. PM advice is not allowed!!
    DX
    RIP Martin3030

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  14. #74

    Default Re: Welcome Finance secured loan - now sold to coast

    I have today received a lettericon saying they are going to send a field agent and charge 120.00.
    cant do either. Certainly cant charge you either

    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
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