Well got my Subject access request. Only gives details of the current loan and not the 2 previous loans I had. Doesn't surprise me to be honest. The current agreement looks ok will try and scan it just to get a second opinion. Why else would they send it if it wasn't ok. Going to reply asking for all the loans over the last 6 years. going after charges applied give they added over £200 in charges in Jan 08 and have been charging their interest rate on. Find it fustrating that the authorities let companies like welcome get away with such abuses.

Ask them for a statement. The main man Errol has clearly said they do NOT apply interest after 60 days. Have a listen to his interview as it is rather interesting!!! Errol Damelin | Wonga Also count the number of days since you asked for the sar. If it is more than 40 days then lodge a complaint with the information commissioner, trading standards, and FOS. I would also lodge a complaint with FLA

best thing is to talk to them initially tell them your position. It depends on which company your dealing with.

Like post said don't worry about the share price going up. There is a reason for it but it is not based on any new news. Anyway almost 4 weeks and no cca. They still have another 12 days for the sar to arrive. Who knows it may actually arrive within the timeframe!!!!!!!

FAO ALL, Have a listen to this Errol Damelin | Wonga Can anyone claim that their interest has stopped being accrued after 60 days.

Brassed off 2, I received a settlement figure from them a few months back. I requested it. However the settlement figure was more that the remaining balance. Sowhat was the incentive to repay early? They couldn't give me a straight answer so I started to dispute the figures and they still haven't given me a straight answer. Does that surprise anyone!!!!!

Zhank, Add to your complaint that the solicitors letters are adding unnecessary pressure as you are aware that no-one can find these solicitors.

Well, I am not giving up that easily. I have perited with the FLA. I ee they will not investigate if there i already a court cae or a complaint to the FOS. Given the FOS has a backlog at preent I was hoping that the FLA process was be quicker. The problem is they will only deal with my complaint. So the more complaints the more pressure they will be under to do something. Wonga are still breaking the FLA lending code. Can anyone confirm that letters are still being sent by Chainey, Damato and shannon.

adsad see the other thread. FLA :: Consumer finance :: Consumer complaints tell your story and point out the have made the account overdrawn and that is against the FLA lending code. La2006, I have had enough of these stories. Plus I have had enough of Wonga not responding to anybody. Do they think they are above the law. Good luck with your case I hope you make progress.

Ok, forget about phoning them log on to here FLA :: Consumer finance :: Consumer complaints make a complaint telling them your story. Point out that they have left you within not enough money to cover "essential living costs" which contradicts the FLA lending code. Did the letters come from Chainey, D'amato and Shannon?

Hi all, Posted the other day about sending CCA and SAR. Welcome sent back a letter saying they were looking into the SAR but no mention of the CCA. In the letter they acknowledged receipt of the £11 I had sent. I somehow doubt they will send the CCA by Monday which will be 14 days. Do you think I should tell them now about the CCA or just hang on til the weekend.

LA2006, I have been reading thru the FLA code of practice. There are a number of points which I am still working on. This is important I feel but if you all read the last two lines in red. Remind Wonga that they are members of the FLa and therefore have agreed to the code of conduct. "act honestly and try to make sure that credit brokers, and all other suppliers of goods and services we do business with, do the same;" Health problems We will take particular care if you are suffering from health problems, including mental health difficulties, when we are made aware of this. This includes: ● appropriately training staff to handle accounts, including those dealing with complaints and collecting debts for us; and ● being sensitive to your condition and responding appropriately when dealing with you or someone authorised to act on your behalf. In order to do this we may need to ask for appropriate evidence of your health problem and may need your permission to record this information on our system. 1D Difficulties in paying Lending Code 2006 FLA :: Consumer finance :: FLA Lending Code ● tell you without unnecessary delay if we agree to: – freeze or reduce the interest rate on your agreement; – start to apply interest on your account; – intend to go back to the initial rate of interest on your agreement or re-apply interest to your account; – deal with people who you have asked to act on your behalf, with your written and signed permission, unless those people behave unreasonably; and ● if we are aware you have a long-term health difficulty: – make sure that we limit the number of times you or the person you have authorised to act on your behalf has to provide details of your condition to us; and – make sure that we accept appropriate evidence of your condition when considering your financial difficulties and the options available to you. You must tell us as soon as your personal circumstances change if these have an effect on your income. If you are in financial difficulties, you can get help and advice from debtcounselling organisations. Once you tell us that you are in financial difficulty, we will tell you about these debt-counselling organisations if you ask. If you send us your permission, in writing, we will work with debt-counselling organisations that we recognise. For example: ● Citizens Advice; ● money advice centres; ● the Consumer Credit Counselling Service; or ● National Debtline. All of the above are free of charge. See section 4 for more details. 1D.5 1D.6 Lending Code If you are in financial difficulties, we will: ● explain what our procedures are and will discuss your options with you; ● take into account money you tell us you owe to other lenders or any other commitments you tell us about; ● tell you if we pass your account to someone else to collect the overdue payments on your loan, such as a debt collector or solicitor (we will always choose firms which agree to follow the Credit Services Association Code or OFT debt-collection guidelines – see section 4 – helpful information); ● make sure that if we pass your account to someone else, they are aware of any arrangement we have already made with you; ● tell you what information we will pass to the credit reference agencies (CRAs) about your account, if we agree to accept reduced payments from you; ● explain if a default will be registered against you (the default will show that you have not been able to keep to the conditions of your agreement with us and will stay on your credit file for six years); ● not harass you or put you under unnecessary pressure (however, we would expect to be able to contact you at reasonable times); ● make sure that you are left with enough money to pay reasonable day-today expenses; 1D.1 1D.2 1D.3 1D.4 1D Difficulties in paying Lending Code

Jayandfoo, If you get a Subject access request it will give the statement and basically everything welcome hold about you. As for putting the account in dispute there are only to ways - welcome failing to provide a cca within 14 days and I can't remember the other but I will check. It is not uncommon for welcome to do this to people I have been paying for 15 months now (£3600 roughly) and my balance has reduce by £400.

Well quick update now that I am logged in. Sent of my CCA and SAR last Saturday (28th).Printed out proof of receipt. Got letter from Welcome stating RE : SUBJECT ACCESS REQUEST thank you for your letter making a subject access request. We acknowledge receipt of the £11 processing fee and are please to inform you that your request is being processed. If you have any further queries, please do hesitate to contact me at the above address. yours sincerely. I sent 2 letters - A SAR and a CCA. Is she just dumb or are they chancing their arm by ignoring the CCA letter? will I phone later or just let the next 7 days pass and cancel my dd and send an account in dispute letter?

Post, Did you know about the article in the independent today? Sub-prime mortgage lender's bondholders set to lose £650m - Business News, Business - The Independent

I didn't realise when I was looking for a loan of welcome what the true price I would have to repay. I am not just talking about money but the whole hassle. FOS has lodged to cases with welcome. I receive a letter from welcome to day about my complaint on 6th January they say they need more paper work and that is 3 months later! I haven't even gotten round to logging that complaint with the FOS. So fed up with the FOS if welcome can't be bothered to reply after 3 months then what is the point of the FOS.

Not got your message sent email with pdf attachment.

Yes definitely I will even post you the booklet if you want. If you send the email address in a private message I get started now.

Yeah looks semi professional looking. Has a section entitled Promise of Service. and a sbusection entitled what to do should you be dissatisfied? Don't want to give too much away but I can private message you if you want added detail.

Post, I have a policy schedule booklet from 22 may 2007 it is an 18 page a5 booklet stapled together.Have you seen one of these before?

forgive me welcome you only added £225 in charges to my account in Jan 08. I apologise for thinking it was near £300.

Doubt it Bandape If you look at my account I think they added about £300 in charges in one month! plus the interest!!!

That's good I just put it in an email to fos given they said that they felt welcome had dealt fairly with my complaint about the balance. Will see what they say.

Hi post thanks for all your good work. Am I correct on the unfair terms and conditions as well. Could this be argued in court?

Ok don't want to give too much away but I believe that welcomes abuse of applying charges and then adding interest amounts to unfair terms and conditions. I would be interested in peoples thoughts. I mean been charged 3 x £10 for 3 phone calls made to 3 different numbers in the space of 5 minutes. Also I am sending of for a cca does this cost £1 and a sar does this cost £10