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Blue-eyed-girl

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About Blue-eyed-girl

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  1. Hi dx So sorry to be a pain, I have looked through and am going crosseyed trying to take it all in, can I claim the interest that has been charged on my letter/telephone charges as well as the charges themselves? I am not clued up on all of this. Please explain as I have it in writing as I requested a SAR and received it. Thank you in advance
  2. Hi Beyondhope I am trying to see if I can claim back all my charges too, can you tell me what you did to get them to do this as I am interested in this. I rung Welcome today and they said that unless I was paying over the monthly payment I was not elegible for these to be returned to me. Please help as it sums up quite considerably. Did you also claim back the interest they charged you?
  3. I have today spoken to Welscum and they have confirmed that they do charge interest on charges applied to my account ie telephone calls or charges for letters issued. So far I have according £157 worth of charges which is being charged a monthly interest of £2.63 (this months charge). How do I go about reclaiming and calculating the interest at 8%? Again any help is gratefully recevied
  4. Thank you for your thoughts and advice. I will be looking into this very much. Do you have any links to the threads relating to this same issue? Thank u
  5. Hi, just wondered if someone can help me, I have had my SAR returned and my statement says that I have had £718.25 worth of charges in telephone calls to me and charges for letters from 4/1/2006 to 3/4/2010. Can I collect this back from welcme or can they say that it is legal and stands as their charges? If so is there a letter that I can use as a template. We have had enough of them ;-( Any help will be so gratefully received
  6. Hello, does anyone know if there is a letter available to ask for charges for telephone calls and letters that they have charged me please, I have £718.00 worth of charges and I would like me money back. Please any advice or template would be gratefully received.
  7. Does anyone else have difficulty in getting Welcome to ring them regarding payment arrangements / defaul notices?? I am sending a letter of complaint in as no-one knows the process - disgraceful, and wait and see. Issues with default dated 25/5/10. Rung on 4/6 to request call backs, nothing to this date - help.......losing faith
  8. HELP! I have today received a letter from Welcome Financ containing a Default Notice, I am alreadyat my wits end with them as last week I asked them to ring me so I could talk properly instead of in the office and I have not heard from them. My husband has been out of work for quite a while, I have taken on as many repayments as possible and cannot literally afford to pay Welcome, they are aware of our situation. Our house has gone back on the market this week as we are pretty certain that if its not sold it will almost certainly be repossessed. I wonder if we handed the keys back to th
  9. Hi, I have had Welcome & London Mortgage play on my mind for a while and I googled Capstone and found this. I am wary as we have had a letter asking for a copy of our house insurance as they do not currently hold one: Capstone Mortgages – Disgraceful – Ripoff Capstone Mortgages – Rip Off UPDATE 12/01/2010 I am getting a letter a week at the moment from Capstone Mortgage Services telling me that they are charging me for my arrears. My insurance company have told me in writing that they faxed this years insurance documents directly to Capstone and yet Capstone have still fo
  10. Hi and thanks, I have posted this and hope to get the help needed x
  11. We have hit the lull that my husband has not worked since christmas properly and we have tried to ask welcome for some understanding and time to get back on track. The are not very forthcoming at all. We borrowed 14,000 altogether over 10years. we are paying £343 a month but their capitalisation charges are just as much so therefore will our loan ever come down?? What are these charges that are so much? Can they threaten repossession even if they have not asked for an income expenditure details how can I rid them of harrassing us continually and being charged for these calls. My husand h
  12. Hi there, just been reading with great intrest about Welcome ****, we have hit the lull that my husband has not worked since christmas properly and we have tried to ask welcome for some understanding and time to get back on track. The are not very forthcoming at all. We borrowed 14,000 altogether over 10years. we are paying £343 a month but their capitalisation charges are just as much so therefore will our loan ever come down?? What are these charges that are so much? Can they threaten repossession even if they have not asked for an income expenditure details how can I rid them of harrassi
  13. MWSPML Thank you and yes I will take time to read through all the pages and digest it all, the suspended order is with the Mortgage not Welcome but nevertheless Welcome will be getting one of these SAR's too. Do you know what Welcome's Capitalisation fees are?
  14. Enoughisenough Thank you for that, I forgot to mention that we have a suspended possesion on the property already and I really dont want to lose the house just for the sake of a month or 2 that we may need to catch up. As for Welcome, their loan is secured against the house and I wonder what their next line of action could well be as they have threatened repossession already and as you can imagine when in financial situations thats the last things we need to hear
  15. Hi, am after some much needed advice with London Mortgage now known as Capstone. Since their takeover we have been asked for a copy of our home insurance - we have never been asked this since we have been with these. Also we are making payments to the fullest extent on our monthly mortgage but my husband has been out of work since Christmas. They have been good and let us pay the previous month through the current month but is there anything else we can ask them to do to relieve the pressures of financial issues. This also applies to Welcome Finance who have been hounding us about payment
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