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Voda

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Everything posted by Voda

  1. I thought that they no longer held a Consumer Credit Licence?
  2. Interesting. Welcome could never place a charging order on me as I don't own a property....
  3. HEALTH WARNING Welcome are back to their old tricks again. Received two letters from Ashford, Middx branch asking me to call them. I have an agreement with their Customer Complaints Dept that all dealings must be in writing. They also have agreed in writing that their branchs must never call me. I changed my number as a precaution anyway. But feeling mischievous, I called them (witholding my new number, of course) to tell them the second letter was a load of tosh as I do not have a new Secured Loan with them. I also asid that the account number referred to in this letter relates to an old unsecured loan. They said this second letter was a mistake so they are still a bunch of pathetic amateurs and make up the rules up as they go along. It was just a trick to get me to call, of course. This letter threatened that unless I provide them with correct Direct Debit details, the mandate will fail and I will incur changes of £12 and up to £40 from my Bank. I cancelled my Direct Debit months ago and pay the monthly reduced instalment into their account by transfer from my account. Anyway this saleswoman said while you are on " Our company has changed the rules and require a monthly "Statement of Income & Outgoings" and 3 months Bank Statements ". Also you must come into the branch and discuss your account. So I politely said " I do not come into your branch as has been agreed with your HO ". She then said, " You will soon have interest and other charges added to your account " to which I said " I have a letter stating that these are all frozen." So once again these idiots who work for this awful company have not a clue what has been agreed in writing in the past. I then called the National Debtline and they said " All you need to say is that your financial position is the same as previously advised 3 months ago and will advise them if and when it changes". Also Welcome Finance cannot demand Bank Statements, only a court can. So another complaint letter will be on it's way to Nottingham. Oh yes, I said to this woman at the branch that if you change the rules then you have to advise your customers in writing and not subject them to high pressure sales techniques. So Guy and Girls, Welcome Finance remain the shower that they have alway been. I don't have these problems with my other Creditors because they work by the rules and guidelines. Welcome are pathetic aren't they? Have a great weekend. Voda
  4. Wow, New graphics .... This morning I had a letter from my local branch from a person called Txx Exxx asking me to contact them. I already have a letter from their Complaints Dept agreeing that the branch cannot contact me by phone. I have changed my phone number anyway. So they must have been trying to call my old number so broke their Head Office instruction. So I called them and witheld my new number naturally. A man eventually answered and I asked for the woman Txx and he said that nobody of that name works here but is at another branch. Probably another Welcome lie. Anyway I said that my local branch is not allowed to call me and referred to the HO letter that confirmed this and he eventually found it. Then he said where is your three monthly Income & Expenditure form. I said that I sent it via Recorded Delivery in June and he said we don't have it. He then started to become very arrogant and said you owe us money to which I said " I am now going to call HO and complain once again. I then put the phone down. Tried to get through to their Complaints Dept but was put in a queue and gave up after 12 minutes .... I then called the Post Ofiice and it was never signed for and must have been lost in the post. They also said that if it had been delivered and nobody was there to sign for the letter, then there would have been a report logged to this effect. So not only are my personal details lost somewhere but I have to send this information to them once again. This time I will send them via Courier who has to get a signature. Anything to do with this company just makes me mad. I loathe them with a passion. Voda PS. Which reminds me, I had better check with the Post Office that they have received my SAR.
  5. Sure appears that way because as I read it, RBS have first call on any monies.
  6. Hi Steven, Thank you so much. Therefore I will say: 2) Copies of the Underwriting Sheet that relate to the Insurance Policies on my loan agreement referred to above ( Account no: XXXXXXX ) I will sign the SAR then. Yep I remember the scandal of WF staff forging signatures .... Cheers Voda
  7. Hi Steven, I have modified this sentence on my SAR letter. 2) Copies of the Underwriting Sheet relating to my first loan agreement ( Account no: XXXXXXX ) to now read ( as it's more specific ): 2) Copies of the Underwriting Sheet relating to my loan agreement referred to above ( Account no: XXXXXXX ) Do you mean I should also add another paragraph saying: Copy of the Underwriting Sheet relating to the Insurance Policy relating to my loan agreement ( Account no: XXXXXXX ) Oh yes, should I sign the SAR using my usual signature or just print my name in capitals. Gotta get this right as I am sure you will all appreciate. Thanks again Voda
  8. Thank you so much dx. You and other members on this awesome forum are just fantabulous. Have a great day..... Voda PS. I will keep you all posted as developments occur.
  9. Morning dx :confused: I thought that I added that paragraph in !!! See: 1) Readable copies of my two loan agreements – Account nos: XXXXXXX & XXXXXXX or do you mean that I should also add to the SAR letter copies of all agreements ( as I have had other loans prior to the two in question that I am querying ) Cheers Voda
  10. Hi everyone, I have prepared my SAR to Welcome and do you think that this final version is OK as I don't want them being able to get away with not providing all the information I require :idea: WELCOME FINANCIAL SERVICES LTD COMPLIANCE DEPT RUDDINGTON FIELDS BUSINESS PARK RUDDINGTON NOTTINGHAM NG11 6NZ July 30th 2010 Data Protection Act 1998 Subject access request ACCOUNT NUMBERS: XXXXXXX & XXXXXXX Dear Sir/Madam, Please supply me with copies of all the data which you hold on me in relation to any matter and in any form and for any period of time. Please note that I require disclosure of any personal data which you hold on me for the entire period of my dealings with you. The Subject Access is not limited to my transaction history and it is not limited merely to 6 years of historical information. Additionally, where there has been any event in my account history over this period which has required manual intervention by any member of your staff, or any other person, I require disclosure of any indication or notes which have either caused or resulted in that manual intervention, or other evidence of that manual intervention in relation to my financial business with you. I require all information on details of all insurance products supplied by Welcome Financial Services. This is to include the statement of means, statement of price, details of all insurance premium tax paid, and underwriting sheets. If you are unable to supply this data because there has been no such manual intervention, then please be so kind as to confirm this in your response. I enclose the statutory maximum fee of £10. You have 40 days in which to comply. Furthermore, if I discover that you have levied disproportionate penalties or charges which are invalid under the Unfair Terms in Consumer Contracts Regulations against me, then I shall be reclaiming them together with any interest charges which you have levied on them. To sum up, apart from all the data which you hold on me in relation to any matter and in any form and for any period of time, I require: 1) Readable copies of my two loan agreements – Account nos: XXXXXXX & XXXXXXX 2) Copies of the Underwriting Sheet relating to my first loan agreement ( Account no: XXXXXXX ) 3) Copies of all statements for both loans – Account nos: XXXXXXX & XXXXXX 4) Copies of all phone call notes If there is specific information which you require in order to satisfy yourself as to my identity, please let me know by return. However, please note that the below address is the one which you normally use to communicate my private business to me and which you have hitherto found to be acceptable. I would be happy to collect the Data from my local branch. Yours faithfully, X My address
  11. Hi Guys, Just an update. My phone number has been changed and I am still ex-directory. So no more harassment calls.... Just received a FINAL NOTICE BEFORE ACTION letter from Rockwell regarding my time expired debt .... The usual crap in it saying a Judgement Order may be obtained and if this remains unsatisfied, enforcement of your debt may be sought by one or more of the following. 1)WARRANT OF EXECUTION BY BALIFFS AGAINST THE GOODS YOU OWN 2)ATTACHMENT OF EARNINGS ORDER 3)CHARGING ORDER ON ANY PROPERTY YOU MAY OWN It really is high time that legislation was brought in to outlaw these slimeball firms who use methods that a back street loan shark uses. Personally I think that Banks etc should not be allowed to sell on debts to 3rd Parties. They took the risk lending the money and they should alone take the risk of the debt going bad. This country in many ways still has bad laws regarding financial matters. G' rrrrrrrrrrr Voda PS. Of course Rockwell know that the debt is time expired and can do nowt about it ...... PPS. Oh yes in the letter there was the usual threat of payment by the end of July to prevent legal action otherwise they will take immediate action against me.
  12. Thanks Steven, Will pm if required. Have a nice day ... Voda
  13. Hi Steven, That's very interesting, thank you. Looks like I am in for a battle then..... Can't wait .... Because of my financial status, I can get Legal Aid. Is there a list of red hot solicitors that know about Welcome Finance's shannigans that is available to Caggers and if not, is there anyone else out there who knows of one. I live in Surrey by the way. I know Steven that you cannot enter into PM's but other members, please pm me if you wish. Thank you in advance. Voda
  14. Maybe I am being naieve, but surely they will smell a rat as I cannot be the first to ask ....
  15. Evening Caggers, Just a thought regarding my SAR which I will post to WF early next week. By asking for the Underwriting Sheets ( to find out about undisclosed commissions ) can't they conveniently lose the damning evidence :idea: Voda
  16. Aha, thank you hun. Then £10 it is ... Nighty nite Voda xx
  17. Hiya, That's what I thought about the fee. Must have been a misprint. Glad you think it's OK as I don't want to miss anything and let them "Off the Hook " ... Take care Voda
  18. Hi everyone, I have copied the SAR template that Postggj kindly posted on this thread and have now adapted it to my case. I thought that an SAR only costs £1.00 not £10.00 I am going to send the SAR myself rather than a lawyer ( who I am finding hard to find ). Here it is what do you think? WELCOME FINANCIAL SERVICE COMPLIANCE RUDDINGTON FIELD BUSINESS PARK RUDDINGTON NOTTINGHAM NG11 6NZ [My address] [their address] [DATE] Data Protection Act 1998 Subject access request Dear Sir/Madam ACCOUNT NUMBER: xxxxxxxxx (or multiple numbers if more than one account) Please supply me with copies of all the data which you hold on me in relation to any matter and in any form and for any period of time. Please note that I require disclosure of any personal data which you hold on me for the entire period of my dealings with you. The Subject Access is not limited to my transaction history and it is not limited merely to 6 years of historical information. Additionally, where there has been any event in my account history over this period which has required manual intervention by any member of your staff, or any other person, I require disclosure of any indication or notes which have either caused or resulted in that manual intervention, or other evidence of that manual intervention in relation to my financial business with you. I require all information on details of all insurance products supplied by Welcome Financial Services. This is to include the statement of means, statement of price, details of all insurance premium tax paid, and underwriting sheets. If mortage indemnity insurance has been added to the agreement, i require all details on who this premium was paid to, and who underwrites this insurance. (This is irrelevant and I will not include in my letter ) If you are unable to supply this data because there has been no such manual intervention, then please be so kind as to confirm this in your response. I enclose the statutory maximum fee of £10. You have 40 days in which to comply. Furthermore, if I discover that you have levied disproportionate penalties or charges which are invalid under the Unfair Terms in Consumer Contracts Regulations against me, then I shall be reclaiming them together with any interest charges which you have levied on them. As it is your wrongdoing and mishandling of my account which has created the necessity for this Subject Access Request, I shall also be reclaiming the enclosed £10 Data Protection Act subject access request fee. ( I have highlighted this as I personally don't think that I should write this as it's inflammatory and at this stage I am not accusing them ) To sum up, apart from all the data which you hold on me in relation to any matter and in any form and for any period of time, I require: 1) Readable copies of my two loan agreements 2) Copies of the Underwriting Sheet relating to my first loan agreement ( account no: xxxxxxxxxx ) 3) Copies of all statements for both loans 4) Copies of all phone call notes If there is specific information which you require in order to satisfy yourself as to my identity, please let me know by return. However, please note that the above address is the one which you normally use to communicate my private business to me and which you have hitherto found to be acceptable. I would be happy to collect the Data from my local branch. Yours faithfully, Voda
  19. Going back to the virtual doubling of their Compensation Offer - WHY SAY I ?????? They have to be worried and hiding something surely !!!!! I was always very polite in my recent calls but was very firm and businesslike. They said on Monday that if I am not happy with all their letters and this most recent one, then I should complain to their Customer Complaints Department. But these last 3 letters are headed Customer Complaints Department anyway !!!! So in effect, I would be complaining about their own department but I suppose they would say " But it's a department within a department ". Duh !!!!!!!!!!!!!!!! Hence I feel the need of an expert financial lawyer now to save me getting the runaround by Welcome Finance and any other financial investigation body that might take months getting around to my case. Perhaps I should get the lawyer to apply for the SAR's on my behalf as it would look more official. I am sure Andie 303 and Postggj will also be interested when they see this matter ..... Voda PS. The 2nd class return envelope enclosed with their letter that I received this morning is headed in bold " THE PROJECT " Welcome Financial Services, Mere Way, Ruddington Fields Business Park, Ruddington, Nottingham, NG11 6NZ Interesting title eh !!!
  20. Hi Steven, That's good but will WF ever send me the Commission Statements and if they do, will they be doctored? My financial position is such that I can apply for Legal Aid and see an expert solicitor regarding this matter, so should I forget the FOS and go straight to the lawyer? Voda Quote: Originally Posted by Voda So this makes the current loan void if there has been a secret commission paid when the original loan was taken out? I certainly think so Quote: Originally Posted by Voda No way am I going to do that until the fos have seen all the letters and documents that WF have sent me together with the Subject access request documents that I am requesting. Don'thold your breath. The fos are a complete watse of space IMHO __________________ Steven
  21. Hi everyone, I am somewhat flabbergasted as I received the third letter from Welcome Finance this morning enclosing (1) Explanation of Compensation and (2) Customer Acceptance Form. All of a sudden without explanation their offer has almost doubled including the £100 award and 8%. At the top of (1) it says " My compensation offer will put you in the financial position that you would have been in, had the PPI policy not been purchased " It also says " If the original loan is in arrears, we will take this into account whn working out your compensation. This means that I will use some or all of the PPI compensation now being offered to bring the account up-to-date." Then they list various amounts relating to the Original Loan ( which is closed ) and the Renegotiated Loan which, of course, is still open. There is an amount of PPI Rewritten from the previous loan (£) under the present (open) loan. So as I see it, they have effectively admitted adding an amount of PPI that was mis-sold with the original (closed) loan. So this makes the current loan void if there has been a secret commission paid when the original loan was taken out? No wonder they have almost doubled the compensation and trying to get me to sign that I accept it. No way am I going to do that until the FOS have seen all the letters and documents that WF have sent me together with the SAR documents that I am requesting. These being: (1) Copies of the two Loan Agreements (2) Copy of the Underwriting Sheet relating to the 1st Loan Agreement (3) Copies of all Statements for both Loans (4) Copies of all phone call notes These people have not changed one bit, have they .... Voda
  22. Hello Postie, Good to hear from you... Fascinating, can't wait to hear more. Nitey nite Voda
  23. Thanks Steven, So it's this now: (1) Copies of the two Loan Agreements (2) Copy of the Underwriting Sheet relating to the 1st Loan Agreement (3) Copies of all Statements for both Loans (4) Copies of all phone call notes Nite Voda
  24. Thanks dx. Nope only one SAR going to be sent. Cheers Voda
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