If no cca then no agreement= no money owed, so how can I have them remove the default that they have wrongfuly applied to my file. And how can I make this all official i.e make them recognise that the debt is no more and have them remove me from the system. Your help is valuable to me and it is greatly appreciated.

Sorry, just re read your post. So I gather from what you are saying that as its been +14 days for CCA and its still not come that I should make a complaint for this to Welcome . (If so is there a template) Then I have 8 weeks for them to respond before I can escalate the matter FOS?

Thanks for your time post. I Sent both SAR and CCA! 16 days later I get mail from them thanking me for eleven pounds postal orders (which were sent in seperate envelopes ) This means that they must have received the cca even though there is no mention of it in their letter which cam roughly 14 days from receipt of my request . And saying that my SAR request is being processed. So They have already overspent CCA timeframe but I cant do anything until 8 weeks have passed? Do I now just wait till 8 week mark / is there letter that I should send them to press them and raise the issue of the fact they have been too long to provide my CCA already regardles of the fact that they have aknowledged SAR and claim to be processing it. Im a simple person with little understanding of law etc. So please, if any one who knows what I should do then let me know. Sorry to bore all of you Pro's with my basic lack of knowledge, but if it wasnt for you guys we wouldnt be here, we'd be strugling and our familys going without because of those mickey mouse crooks.

Is there any way I can Confirm that they have aknowledged / received the CCA though. I sent them in two seperate envelopes Each containing postal orders. But in the response I have received they thank me for the eleven pounds! This means that they have aknowledged both right...... ? (Sar = £10 + Cca = £1. If they don't have Cca then are they not obliged to tell me this within a set period? Cos if they dont have it then there must be a way I can have the default removed and my files ammended? Also ,I'd love to know why the amount they say I owe is different to what is on my credit file with experian??? WTF! I'd also like to find out why they have a payment showing as paid on the Ac earlier this year that I never made??? I'd love some help, Ive been 'beaten up' by them for a long time and I really want them to get what they deserve (let alone a nights sleep without having to worry about getting out of this hole. THANK YOU ALL.

Hi Postggj, I have already sent sar and cca its been more than 14 days I got a letter from them today aknowledging my sarn request and that it is being processed and thamking me for the Eleven pound payment. Nothing regarding cca which is now overdue. The Cca is not even mentioned in the letter. Is this not a breach on their part? What do I do next. Also I wanted to thank everyone on here for teaching me so much. A handful of you are brilliant? ~( you know who you are !) Thanks:idea:

Thanks I will do. Graeteful for your support.

I have sent requests . just waiting to see what they do. Yes the book is for breakdown and shortfall . I only noticed that I even have it a few days ago as I have been diggin through everything looking for original contract! I have copies of cac and sarn I just hope they respond! I'd be geatful for some guidance from those pro's whos posts ive been reading on this site. You may be my last hope as I am being taken under by these crooks.

Thanks Dip, They made me take Breakdown and shortfall extra. I refused to take ppi ( to much £) but my payments are very high , maybe ive also been missold ppi against will and knowledge. I s there any way they could build ppi into monthly amount without my consent... how do I check this? I do have an insurance policy book. Thanks

Im in same boat. Have been at a lost end over the way they have treated me since I came into financial dificulties last year. SAR out today also CCA recorded mail etc...... I will share more info when I hear from them. I have a copy of the original agreement that they gave me when I purchased car original. I lost original....DOH! . I will have to wait and see what they come back with. They are so crooked, surely their luck has to end soon. Good luck. p.s emmilou1 you should also Sar & Cca their ars$S they then have 40 days to comply. If not = statutory breach + account in dispute. Yo have the agreement.....Wait and see what they have!

28/7/2009 DATA PROTECTION ACT 1998 SUBJECT ACCESS REQUEST Dear Sir/Madam Re: Account/Reference Number Customer Number 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. Please supply me with all data that you hold on me. This includes in particular, but is not limited to, the following:- 1. The original signed, executed credit agreement and any terms and conditions that applied to the account at the time of default and at the time the account was opened. 2. Transcriptions of all telephone conversations recorded and any notes made in relation to telephone conversations by your company, or by any previous creditor 3. Where there has been any event in my account history over this period which has required manual intervention by any 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 account formerly held with original creditor. 4. True copies of any notice of assignment and/or default notice or enforcement notice that you or the original creditor sent me, with a copy of any proof of postage that you hold. 5. Documents relating to any insurance added to the account, including the insurance contract and terms and conditions, date it was added and deleted (if applicable). 6. Details of any collection charges added to the account; specifically, the date it was levied, the amount of the charge, a detailed financial breakdown of how the charge was calculated, and what the charge covers.7. Specific details of the fees/charges levied by any other agency in respect of this account and a detailed breakdown of said fees/charges and what each charge relates to and on what date said fees/charges were levied. 8. A genuine copy of any notice of fair use of my data as required by the Data Protection Act 1998 9. A list of third party agencies to whom you have disclosed my personal data and a summary of the nature of the information you have disclosed. 10. Copies of statements for the entire duration of the credit agreement. PLEASE NOTE that unless otherwise stated by yourselves and if the above documents are NOT provided, it will be CONFIRMED that you are unable to reproduce/provide in any way shape or form any copies of the above requested documents. You are reminded that you have a duty to inform me if you do not have the above documents. This is confirmed in High Court Law - Ezsias v Welsh Ministers - [2007] All ER (D) 65 (Dec) You are reminded that you are obliged to supply all the above documents in line with the Information Commissioners Technical Guidance update (Dated August 2007) I enclose the statutory maximum fee of £10. You have 40 days in which to comply. 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. Yours faithfully,

Hi all. Ive been attached to my computer reading this thread for the last few days. Im glad that I am not alone! I will not bore you all with the details but you can all assume that it has been a vry painful and upsetting experience dealing with welcome since I took out finance on a car with them in 2007. I have refused to pay them since march this year due to the way they treated me. I have been threatend, abused (verbaly) and lied to by staff at welcome to many times. I dont have much knowledge on legalities etc, but I know that they have prob broken every rule in the book. I lost my job and thaey re calculated another contract for me witch would have gone on for 10 yrs. They then tried to presure me into making a payment to them without having anything in writing from them.They have refused to co-operate they have just demanded money which I dont have. I have buried my head in the sand and they have made me feel bad for so long. Only on finding this website I have found the confidence to back out of my corner. I have arranged a SAR and will be sending it tomorow also I am sending a CCA. Is there anybody who could check this out and assist me in sticking to the legal procedures of which I have no understanding. Thanks to all of you .