Hi again, Just looked at this re Debt Relief Order. Alternatives to bankruptcy My only concern was my car but as it's valued under £1000, it's definitely "Goodbye Welcome". If they had played straight with me then I probably would have continued paying them a small amount each month. Now they will get nothing and my other creditors will suffer too due to this awful company's actions. Still at least in 6 year's time, I will have a clean credit file once again.

Hi again everyone, Just called CCCS and even if I do go for a DMP, a creditor can still refuse to freeze all interest and other charges. As Welcome refuse to answer any of my letters in relation to this but my other creditors have agreed in writing then I will probably go for a DRO and then as far as I am concerned it's Bye Bye Welcome. I did not trust Welcome's employees saying to me over the phone that they would freeze the interest and other charges if I went on a DMP ( Debt Management Plan ). See:Debt Relief Order - Wikipedia, the free encyclopedia

Morning Mojo. I agree with you. They are the worst company that I have ever dealt with in all my life. I feel very sorry for people who work for them and the sensible ones get out very quickly as I know one who did.

I don't think I am going to bother trying to contact Welcome anymore. They know my financial position now so they no longer call me. I will wait to see what happens and hopefully be able to deal with an organisation that is more professional and responsible.

No wonder I am not getting a reply from CRC Complaints in Hessle. Soon there will be nobody in Welcome to contact or write to .....

Hi everyone, Have you seen all the top names including Bruce Willis, Ringo Starr etc advertising the name change from NU to Aviva. I wonder what they would say and do if they knew what was going on with NU at the moment. Shall we tell them? Did not ring Welcome Compliance today but intend to pick up the phone tomorrow. Nite all. Voda

Hi Andie, Thanks for the advice. I want to have some fun today so after lunch, I will give one of these guys a call. I'll let you know how I got on. Take care Voda(phone) ...........That's where I got the name ............

I wonder is anybody works now at the CRC Complaints Dept in Nottingham. They never reply to my complaint letters about the branches that I have been dealing with. Until they confirm in writing that they will freeze all interest and other charges if I go on to a DMP with CCCS, then as far as I am concerned they can keep adding these amounts until hell freezes over. The more they add, the less chance that they will ever get their money back from me.

It's all gone quiet on the Western Front. Hope postggj got out of the Lion's Den in one piece ....

Hi Postie, Happy Easter Glad you are enjoying Brighton......... There are some great fish and chip restaurants there and most are very reasonable. The Italian Restaurants are good too. Enjoy the weekend and good luck on Tuesday. Voda

Hi mojo8, Thanks .... Deal .......

Happy Easter mojo8, I am on a diet so no eggs for me sadly ..... Of course Andie has just replied and for a Welcome employee to forge your signature is very much a Criminal Offence. I hope that you get them..... Take care Voda

Hi Andie, That's great news so you should win the day convincingly. Thank you for clarifying ...... Have a lovely Easter. Take care Voda

Morning everyone, Happy Easter. Being the Devil's Advocate here !!!! Could WF say in Court that Andie should have disclosed at the time of signing that she had an ongoing health problem? Obviously I am not fully acquainted with all the facts in her case so I might be talking rubbish. Anyone who can win against WF is a hero/heroine in my book.....

Have a successful day Post. Good Luck with it all and hope you get a chance to see " The Lanes " in Brighton. Weather looks good for later in the day too. Nite all Voda

Postggj, Looking forward to your trip to Worthing/Brighton tomorrow ....

mojo8, I would be the first to join you outside your local office but I am too far away. Still I expect there are a few caggers who took out loans from my branch and we could stage our demo outside there ....

Well if RBS are laying off staff, what chance have Welcome Finance got. I was supposed to be called on Tuesday at around 10.00 a.m by my branch. No call naturally...... I have NEVER in all my life dealt with such an inept organisation. They deserve everything that is coming to them, I am afraid. No actually I am pleased. Happy Easter everyone ..... PS. Post I saw this too: http://www.iii.co.uk/investment/detail?code=cotn:CTT.L&display=discussion&it=le

" The Lanes " are great Postie. There are some reasonably priced cafes/restaurants there too. Then you could go for a dip in the sea, buy some rock or wander up and down the pier ...... Whoops, just seen that your leg is in plaster. Forget the dip and walk on the pier, just relax and have a great day in Brighton.

The backlog has to be down to us ......

Nitey nite b-o-2 and anyone else on here. My bedchamber beckons ....

Snap............Me too. So I called the branch and said get the Branch Manager to call me next week so that I get a letter in writing from them saying that if I go on a DMP via CCCS that WF will freeze all interest and other charges. The bloke said that only their Legal Dept can do that as branches are not authorised to send letters like that. So I will be having an interesting conversation with the BM next week.

Hi Andie, I am back now. I had a good day not thinking of Welcome ..... Could you do that for us please and if you have contacts in Television, then that would be ideal. I really do wish to see this go out on a programme such as Watchdog. I used to know Roger Cook quite well in the 70's but where he lives now, I don't have a clue. He used to drive a bulletproof car after one of the criminals that he exposed, took a pot shot at him down Regent Street but missed ..... http://www.broadcastnow.co.uk/news/interviews/roger_cook.html

Excuse me if I have to dash off for the rest of the day. I have a good friend coming over and must get ready. Back later in the day.

Hi mojo8, Thank you for your kind offer to help us all. Your assistance will be very valuable .... Voda