Just looked and WFS plus another Welfan-Charlie1 seem to have been very quiet recently-wonder why?!!!! Wish i could know how they feel a year later. I also laughed at WFS comment about how great it was that a director was in charge of compliance-i maybe wrong but isn't he one of the ones under investigation!!!!

Oh and his confidence because of recruitment drive!!!

Don't apologise, i'm know there's not one person on any Welcome thread, affected by them, who wouldn't have said the same!!! Certainly caused a stir!!! Would be interested to know where you saw it, if you remember!!

Sorry, meant what page!!! Oh and 'guests' always seem to be 'watching' this post so i think your expressive views will be very likely read by those wonderfull people you so eloquently described!!!!

Which thread was that gpm0708?

Oh my God!!! No wonder you're mad!!!! But don't panic, help is on the way!!! Just keep an eye on this post & one of the resident Welscum experts will be on to advise ASAP.

GOOD LUCK:D

Problem is i'm a nosy b****r & would love know what wound gpm0708 up!!! Besides just Welscum in general!!!!

What was that all about??????

thanks for the advice and yours & m200's comments also made me smile this morning!!!!

Cheers emm

In some ways i would rather they 'stayed' untill mine & all others complaints could go on long to go to the fos!!! So once they've failed the cca it can't be sold on even if they do go?

Sorry to hijack just wanted to check something. I've already sent a cca which they've failed on, although they're claiming my re-write didn't need a new agreement!!!! The 'welcome guru' that is post has advised me to re-issue a cca plus send an Subject Access Request, done today......but........wha t happens if welcome go ****'s up before they comply??? Can my 'debt!!!!' (ha ha) be passed on to some mickey mouse dca??? Do i need to also lodge my complaint with someone???

Sorry to hijack just wanted to check something. I've already sent a cca which they've failed on, although they're claiming my re-write didn't need a new agreement!!!! The 'welcome guru' that is post has advised me to re-issue a cca plus send an Subject Access Request, done today......but........wha t happens if welcome go ****'s up before they comply??? Can my 'debt!!!!' (ha ha) be passed on to some mickey mouse dca??? Do i need to also lodge my complaint with someone???

Just wanted to check something. I've already sent a cca which they've failed on, although they're claiming my re-write didn't need a new agreement!!!! The 'welcome guru' that is post has advised me to re-issue a cca plus send an sar, done today......but........what happens if welcome go ****'s up before they comply??? Can my 'debt!!!!' (ha ha) be passed on to some mickey mouse dca??? Do i need to also lodge my complaint with someone???

HELP!!!!

will do & thanks again:D

hope this dosen't sound too thick-so i should send another cca for the personal loan and use sar template you posted on the thread you just mentioned? sorry but just want to be sure

post? i've already sent a cca which they responded to with a copy of my hp agreement plus a statement for this account (all it showed was:-

14/06/2009 TFR BALANCE FROM Credit £0 Balance £0)and a statement of account for the personal loan. Interestingly the letters accompaning these docs all state its complying with my subject access request!!!???

How should i word my SAR to incorporate this and have you got a cca fail template??

Cheers:)

You're telling me post!! I feel so very stupid but i honestly hadn't realised it had been that long and up untill i noticed disrepency i've always thought welcome were really good!!!

Anyway please find attached a breakdown, hope i haven't missed anything, and thanks so much for taking time to help me post!!!

Welcome Figures.doc

Firstly post, thanks so much for feedback, feel relieved having you on board!!!

first of all you say the loan is a rewrite from 2004

do you have the original agreement

My original agreement was from Oct '01 and was a hp for a used car. All i have is the copy agreement Welcome have sent ref my cca request!!

Unfortuneately at the moment i have no way of posting it (my laptop won't accept my new scanner or camera)!!

Initially i tried to return under vt in Oct '02, but hadn't paid enough. So from then till Nov '04 paid lower payments

TO DO NEW REPAYMENT TERMS ETC . YOU WOULD NEED TO SIGN AN AGREEMENT TO MODIFY THE FIRST

ITS A LEGAL REQUIREMENT

IF THEY CANT PRODUCE THIS THE AGREEMENT WOULD THEN BE SUBJECT TO THE T&C OF THE FIRST AGREEMENT.

IF THEY DONT HAVE THAT THEN THEY ARE STUFFED

This is exactly what i thought but wasn't 100% sure to argue over phone.

So whats my next move?

UPDATE

Probably a mistake but called them to see if someone could explain why no agreement!!! Apparantly this loan from Nov'04 was a legal re-write at 0% interest that doesn't need a new agreement or indeed any signing. this was done to help me as i couldn't afford my hp repayments and to prevent a default. when i questioned the default put on the account in 2007 by saying if not a new agreement surely no default no real answer just repeated it benefited me. i then said could i have that in writing, again no real answer. i then said that i would need to clarify my position legally and nothing further could be gained from conversation.

Hmmmmmm.

Once hung up i realised the following:

HP was set up Oct'01 for £200 pm

Oct'02 to Oct'04 £1000 paid, averaging £40 pm

If it was to help me as i was no longer able to afford hp payments of £200 pm why did it take them 2 years to 'help me'

Feedback would be gratefully appreciated

cheers:D

sorry to hijack thread!!!

hi postggj!! have you a minute to have a quick look at my updated thread??

Update is cca sent & deadline was today. they've sent me a statement for the 2004 loan, but the copy agreement for the 2001 hp!!! i've called them to say they're in breach and i want a call back today. i've already seen two templates for failing a cca request, so i guess that will be my next step. they know they haven't got a leg to stand so sending the wrong info was obviously delaying tactics!!!!

I've seen two examples of letters for cca failure, which should be attached if i've done it correctly!!!

Welcome no cca.doc

Welcome no cca dispute.doc

Just not sure which one, obviously adapted for my case, or if i need a different one.

I haven't been paying since this all started in June, i told them i wouldn't till sorted, never dreaming it would go on this long. Incidentally, Welcome haven't chased me!!!

Hmmmmm??

Cheers noomill060, will do. Pity I can't get my original agreement too. That had Gap & on remembering i think did have ppi as a statement from them mentions over £1000 worth of insurance. having said that that hp was satisfied Nov'04 so should they still have it? wouldn't the six year limit be from then not from the date set-up, i.e. 2001??

no idea on ppi noomill060, on either account!!! don't think so on original hp and as from 2001 can't get copy, lost mine. as for new loan, awaiting copy as per cca request due 13th oct. should be interesting as i don't recall signing a new agreement!!!!!

UPDATE & FURTHER ADVICE!!!

Well after several phone conversations and emails, incidentally only once was i actually called by them, including me being blatantly lied to, various delaying tactics, then me threatening further action, Welcome have sent me a letter. HURRAH???? They have so very kindly reduced my debt from £1504 to £721, and have asked me to 'accept apologies for any inconvenience caused'

Firstly the reduction is laughable considering all the crap i've taken, plus in March '07 they offered me a final settlement figure of £628.96, and the balance then was £1905!!!!!

Secondly what a pitifull 'sorry'!!

Now i think they know they haven't got an enforceable agreement, so from reading the numerous posts i would issue an sar which they would either fail to comply with, or a fraudulant agreement one would appear. Either way, no more debt:D

HOWEVER:confused:

My initial conversations were before i'd found this website and subsequently realised my agreement was very likely unenforceable. Therefore I agreed the debt was mine and the amount owed was correct, but i just wanted an explanation, my credit file amended, plus an apology. But as it became apparant something wasn't right i found out my rights.

So does this mean i can no longer declare the debt void, as they could say they have it recorded me agreeing the debt????

Help please!!!