i no you are thanks hun xx

thanks hun but im a bit gutted that its ok to go knock my neighbours door and talk about my situation and thats ok seems they win whatever they get upto but thanks for the post

but my neighbour was kickin off sayin they knocked his door surely they cant do that when they can reach me by phone ?

what a cheek a complete pack of lies lol my car is parked right outside my house mainly as im to lazy to park any further away lol

great advice thanks dib and as for asking my neighbour lol we sooo dont get on but so every1 on this forum can see the crap an lies tha welscum an my neighbour discussed im gunna upload the notes from the sar showin there convo and when u read this bear in mind my neighbour assaulted me prior to there convo over a parking dispute bcos i couldnt park outside my own house il pop the link up in a few mos when ive uploaded xxx

yeh i deffo agree ive written a letter to compliance and the fos im gunna look for every loop hool an stich them up 4 this i said in the fos letter i wanted a full refund for the 6k i paid plus compensation for the hassle lol a girl can dream ... bring it on welscum id love my day in court with u xx

thanks all for the comments i thought they couldnt get away with doing this and the fact that i cant stand the guy next door hes the last person in the world i would want my business discussed with they really do take the pee they rang again earlier and the woman was dpeakin to me like i was a child so i basically told her to kiss where the sun dont shine grrrrrr lol i wrote a letter to welcome sayin i wasnt payin another penny an i want a full refund and the same to the fos so im guessin thats all i can do for the mo thanks all for the comments much appreciated xxxxx

thanks dawny your a star xx

what i really wanted to no is by sending the letter i have written to the fos will that put my acc into dispute bcos they cant take any action if an account is in dispute i think i read that on another post ?

all my agreements i already have posted up i did it on a diff thread on here but i couldnt find it lol x

thanks for reply i had a car on finance with them in 2007 and its been a nightmare cos of there crappy behaviour and money grabbing tactics ive paid over 6000k and still another 5000k to go i wrote a letter to the fos las night bcos i want to make my move before welcome get in with theres first xx

bump plz x

i had another thread on here which helped me enormously to get the **** of my back for a while by sending the sar request etc and ombusman for mis selling ppi now i have recieved the sar and to be honest i am disguted and totally outraged a few things that have really annoyed me is firstly the ridiculous charges for telephoning me to my residential landline which was cut off over a year ago but despite this they have still charged me £10 a call sometimes 3 times a week to a number that isnt in use lol secondly in the notes on sar it states they went to my next door neighbours house who i dont get on with and shared my details and situation with and the notes on the information shared is a complete breech of data protection . surely they cant go and knock my neighbours door because im in work and not there to answer the door ? thirdly there all all these entries on the statement for declined card payments from my partners card in his name but i dont no where they got that from as he has never had a debit card or even a bank account in his name we dont even have a joint account so now i have the sar im really unhappy with what ive read its total lies and wrong information so what i need to no is what do i do now as im sure b4 long they are going to get a court order for my car i read about contacting the fos putting my acc into dispute is this an option for me thanks in advance for any1 who can help

bumpin again seriosly goin mental here after reading comments in the sar its a total pile of crap full of lies i dont get on with my next door neighbours and the sar says tha welcome called at my neighbours house discussing me and my situation my personal details were discussed between my next door neighbours and the welcome caller how are they allowed to do that grrrrr hate em and payments still dont match up how whats my next move really peed off at the amount of lies saying that my partners debit card was declined on numerous occassions hes never had a debit card or doesnt even have a bank account really peed of bou this any advice plz xx

bumpppp

heya ll just after some advice on what to do next i recieved my sar in the post yest well over 40 days late cheek of em an now the phone calls keep coming and coming saying they will offer me a substantial reduction to settle but im not in that position to do that they wont accept regular payments so where do i go from here im gunna go thru my bank statements to compare all these card payments and i recieved a letter of ombudsman saying they were lookin into the mis selling of the ppi etc so really just wondering now ive got this sar whats my next move if any1 has any advice would be much appreciated xxx

i think im gunna just sit tight til the sar comes then il post it on here with bank statements minus my personal details and see what advice i get as to what to do next xxxx

lmao they can kiss my welsh ass b4 they get any more money of me season of goodwill or not lol x

i have sent off the letter and the £10 fee so i can have the full statements should make some interesting readin i think and thanks both for your comments x and yes my bank would confirm this as its on all my bank statements as cleared payments x

heyas emmilou and brassed off some of the payments which are showing as credited then debited that amount of money was taken from my bank account it shows this in my bank statement and my online bank account and also going of my bank statements a few payments that were paid by my bank welcome have put them on my account as smaller payments EG my bank statement shows a debit card payment to welcome for say £150 but on my welcome statement the corresponding date shows they only took £60 of my welcome account although i paid £150 from thr bank hmmmm sounds very dodgy to me im quite likin the idea of showing this to a judge bcos as far as im concerned thats fraud/ theft

heyas mark thanks for the comment i have posted the statement theres a link to my photo bucket on this thread im happy waiting until some1 is free to help me out with this had some great advice so far maybe sum1 should start a thread on whos not gunna be sending welcome a xmas card lol but yeh the credit debit thing is a bit odd i spent hours last night going through my bank statements loads of my payments are missin from my welcome statement but im sure it will get sorted x

any help would be appreciated x

hiya i wondered if any1 could help me understand my statement sent by welcome as shown in link above many times on statement it shows a payment made and credited to my account then in the next line the same payment is shown as a debit and added back on to my outstanding balance and also im comparing bank statements to welcomes statement half of my card payments are missing and completely diff amounts are shown on welcomes statement to what my bank actually paid i dont no what i do about this ?

ive just edited it lol i thought i hd removed all details shows how well i read contracts lol hi edwi thanks for your kind comments everyone on here has been so helpful and understanding before i joined the forum i was ready to dance on welcome employees car bonnets in my highest stilletos but i fell a lot more calmer and in control of the situation thanks every1 xxx