Hi guys, Ive got my own thread running about welcome at the moment and hope to get some copies of my paperwork scanned on here for someone to have a gander at. Seem to be in a similar situation to yourself Martel, just out of interest though, whats this unwitnessed legal charge? What is it, where would I find it on my paperwork and what should I be looking for?? Cheers

Thanks Iain, Ive had letters from them in the recent months and one answered phone call by my GF in november. They said that a payment no matter how much would need to be made in december and that they would cancel the direct debit to stop any further charges. Low and behold, novembers direct debit was still attempted by welcome even though they had plenty of time to cancel it. Ive got the file at home with everything and all my paperwork in it, Ill try and get the info scanned on here tomorrow for someone to have a look at. Ive got a couple of CCA and SAR template letters already. Do these look about right? CCA request Dear Sirs, Account No: XXXXXXXX I hereby formally request a copy of my Consumer Credit Agreement, pursuant to s.77/78 of the Consumer Credit Act 1974. I require you to provide me with a true copy of the credit agreement relating to any account you deem to be mine, together with any other documentation the Act requires you to provide. I expect you to comply fully and properly with this request, within the statutory time limit (12 + 2 days). You are reminded that should you fail to comply with my request; the provisions of s.77 will apply. If it is your view that you are not the creditor, s.175 of the CCA 1974 applies in the case of a simple assignment, and places a duty upon you to pass this request to the creditor. In the case of an absolute assignment, you are a creditor as defined by s.189. If you contend that you purchased the rights but not the duties of any agreement, you are reminded that s.189 of the Act is clear that an assignment is of both rights and duties. Your attention is drawn to ss.5(2), 3(b),6 and 7 of the Consumer Protection from Unfair Trading Regulations 2008 (CPUTR). Attached is payment in the sum of £1.00, which is the statutory fee - Note that these funds are not to be used for any other purpose. If you are unable to comply fully and properly with this request, you should confirm this in writing at the earliest opportunity, and certainly within the statutory time limit for compliance, and return the fee and then remove the incorrect entry from your systems. I do, expect the main actions to be dealt with, as matter of course, and look forward to hearing from you within the prescribed timescales quoted. Yours faithfully Sign digitally >> SAR request Account No: XXXXXXXX Please supply me with a copy of all information your company hold on me including a list of accounts and details of payments. Under the Data Protection Act 1984 and 1998, and including the right of subject access under these acts, I hereby request that you supply me with any and all historical data in your possession which relates to me and am entitled to under section 7(1) of the Act. If you store any of the older records on microfiche, please be aware that the Information Commissioner deems this to be a relevant filing system under the Act. As such, any microfiche data must be sent to me in fully legible and comprehensible form. 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 business with you. 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 against me or collected monies to which you were not entitled, then I shall be reclaiming them and also the enclosed £10 Data Protection Act subject access request fee. Yours faithfully [/font][/color]Sign digitally >>

Cheers dx, Ive had a look on here quite a bit aswell as MSE website. Suppose Im just looking for any advice more suited to my personal situation. Im just wondering how to approach it, my rights etc. If I contacted them to set up a standing order, try to reduce the monthly payment etc I dont want to be fed a load of bull telling what I can and cant do as from these forums Welcome seem to do alot of that!

Thanks Ozzy, Ive created a new thread.

Ive just started to grab my debt by the scruff of the neck and get it sorted. First step was pay off overdraft, close account and open building society account with no debit card or credit facilities! I have a secured loan with welcome but due to large mortgage payment every month aswell as other things Ive paid one installment in the last 6-8 months. Now looking at my credit file, it has 8 missed payments and states that the credit agreement has ended as the account is now in default. I know ive only got myself to blame but its just seemed that for the last 12 months my (decent enough) wage has been going in and coming out so quickly that ive fallen behind specifically with welcome. Im not trying to weasel out of paying as I took the loan out and knew the payments. Im just after some advice as to where to go from here, should I contact welcome? Wait til they contact me?

Ive just started to grab my debt by the scruff of the neck and get it sorted. First step was pay off overdraft, close account and open building society account with no debit card or credit facilities! I have a secured loan with welcome but due to large mortgage payment every month aswell as other things Ive paid one installment in the last 6-8 months. Now looking at my credit file, it has 8 missed payments and states that the credit agreement has ended as the account is now in default. I know ive only got myself to blame but its just seemed that for the last 12 months my (decent enough) wage has been going in and coming out so quickly that ive fallen behind specifically with welcome. Im not trying to weasel out of paying as I took the loan out and knew the payments. Im just after some advice as to where to go from here, should I contact welcome? Wait til they contact me?