Welcome Finance have also told me today that the HMRC are in talks with them and them ONLY! Its about whether the 8% interest on the PPI can be paid to clients/customers which I agree does seem a little strange!!???? The company in question has, in my case over the years been unethical, dishonest, underhand and misleading and stop at nothing to intimidate you...!! My case was awarded in my favour by the FOS in July 2009 along with £200 compensation (max FOS can award!!) to date WF still have the PPI on my account (+ accrueing interest) which I incidentally didnt pay to them in the first place (only paid the interest,loan & acceptance fee then stopped any further payments) + I only received the £200 compensation MARCH 2012. I agree with the Site administrators about you could have easily put through the claim yourself without all the expense of a Solicitor as there is loads of available letter templates and guides due to thousands of people who have been through the system already!!!

Hi everyone, I haven't posted on here for a while but just thought I'd do an update + find out what's been going on with you guys!! Last time I posted things had heated up with Welcome and I had successfully managed to wind them up enough to get some action from them but it fizzled out as fast as it happened. To date they have my credit file entry for Welcome still on there (£3575.00) and refuse to take it off until I pay them despite the fact they have not done anything that they were instructed by the Financial Ombudsman Service & bearing in mind they have had the loan + interest already paid and this amount is the PPI + interest on interest (ficticious amount!!) such LOSERS!!

If anyone from Welcome Finance is reading this then I sincerely hope you get everything and more that is inevitably coming to you when your company finally does the planet a favour and ends its existence!! ALL of you who work there should be ashamed of the way you treat people and even worse the ones who ignore what the company is doing and NOT standing up to them because you don't want to lose your job! Where are your morals!! You are weak!! Hiding behind the Welcome name and not taking responsibility at all!! Justice will be done!!! What goes around comes around!

Please, please let me know when someone or anyone gets a Court date and I will gladly come with you to give support and Free help...!

Welcome Update: I have passed the 14 day Lewis Debt Collection Time Limit by 5 days and they have called me (Tuesday after Easter) with reference to my email I sent in response to their Demand. Quote: We have referred it back to Welcome Finance because there is a dispute Notice written on your File so you will have to call them to sort out where it goes from here! I don't think so...... I will wait until they all burn in Hell and lose their jobs before I do that!! Everybody knows its a waste of time calling or writing to them due to their inability to read, write, comprehend or deal with a situation without trying some sort of underhand tactic or passing you around their endless loop of Departments on the Prime 0870 make us money while you wait cash point number. Is there no one at Welcome who has the balls to stand up to their own company and come forward and give evidence...or are you just going to go down with the sinking ship!!??

I was advised by The Lewis Group Reps to contact Welcome again to get my complaint dealt with (AGAIN) but I have had over 2 years of it so I am not going to bother because we all know that no one in Welcome has the faintest clue what they are doing and are rude, arrogant script reading losers who in my opinion deserve to lose all their jobs because they haven't got the balls to stand up and say this is WRONG!! Go down with your sinking ship...LOSERS!!!

Hi Bev50uk, I have just past the 14 day deadline that The Lewis Group have sent by 4 days due to Easter Weekend but I sent them an email last week advising them that I wasn't ignoring them and that Welcome were chasing an Illegal balance and recommended they pass it back to Welcome! They phoned me twice yesterday (once in the morning and once in the afternoon) to say that my case has officially been passed back to Welcome! The Lewis Group are employed by Welcome but are not owned by them and Welcome do not tell them the circumstances of the debt, only that they want it collected. Debt collection agencies are very used to companies not being straight with them so be polite but firm when you email or phone them...!!

Hi Bev50uk, I have just past the 14 day deadline that The Lewis Group have sent by 4 days due to Easter Weekend but I sent them an email last week advising them that I wasn't ignoring them and that Welcome were chasing an Illegal balance and recommended they pass it back to Welcome! They phoned me twice yesterday (once in the morning and once in the afternoon) to say that my case has officially been passed back to Welcome! The Lewis Group are employed by Welcome but are not owned by them and Welcome do not tell them the circumstances of the debt, only that they want it collected. Debt collection agencies are very used to companies not being straight with them so be polite but firm when you email or phone them...!! If you are 100% sure that you don't owe them anything then DON'T pay anything, otherwise it will be harder to get back due to their predicament at the moment. Don't be intimidated by them because they are trying all sorts of bully boy tactics to claw back ANY money they can...

Thanks major player, I will bear that in mind when they call (hopefully) on Tuesday!!!

Welcome Update: Well this is quite interesting... I have had a letter from Lewis Debt Recovery a few moments ago TELLING me to pay £2966.77 for the PPI, Life Insurance + Interest by no later than the 2nd April or ELSE. Its the 3rd today so I don't see how I can do that even if I wanted to (which I don't!!) I told you they would pass it onto Debt Recovery because they don't want to go to court themselves. This way they don't get the hassle and the debt recovery people have to do the Court action instead and put the pressure on. I am just about to call Lewis Debt Recovery and tell them to pass the debt back to Welcome as in my case it is illegal, they are chasing money which has been proved by Government Officials I don't owe. Two can play the Legal game....bring it on.....!!!!!!!!!!!

I now have 14 days to pay the ficticious balance (13 days gone so far!!) OR ELSE!! If anyone from Welcome is reading any of this Good Luck with the OR ELSE.....................

What goes around comes around!! Incidentally I have paid my loan and Interest over 2 years ago but have refused to pay the front loaded PPI and Random Lifecare 24 that they put on AFTER I left the office. The Ombudsman awarded the case in my favour and I have been waiting indefinitely since July 09 for the promised £200 compensation! To Show Welcome Finances stupidity they recently sent me a Default Notice letter from their Legal Dept telling me not to ignore it and call the number or write immediately to the sender on the letter to sort the issue out....well you've probably guessed....NO signature, no name, no originator office in fact no way of knowing where or who it came from... thats professionalism for you!

I for one have absolutely no sympathy at all for anyone who works for Welcome and loses their job because you can't possibly be that nieve that the Company you work for is practising honest business with this many complaints and offices shutting all over the place!! No smoke without fire!

13 days and counting..........

Bebebebo: With regards to the DNs it would appear that if it is well past the 14 days for you then they will probably go to the next stage which will be to get a decent sized list of other people who refuse to be intimidated by them and then Pass it on/Sell it on to a Debt Collection Agency. All you do if that happens is when they (the Debt Collectors) contact you, tell them that you have a pending court date request with Welcome and that it is not their concern or business and they should pass it back to them as Welcome are not facing their Legal obligations! UPDATE: Welcome would not acknowledge that they have received the letter requesting a Senior Executive to meet me last week with a view of sorting the problem once and for all (the third over 9 months) very strange that all other post arrives to them no problem. To remedy the latest batch of useless paperwork Welcome have sent, I have sent 5 independant letters, one to every dept that has been dealing with the alleged default over the last year so that there can be no telling me that they haven't received it!! The contents of the letter are in summary saying to them that I will no longer be intimidated by them and I want a Small Claims Court date asap and any further contact from them other than to give me the court date will be considered harrassment!!!....watch this space In the meantime I am re-writing to the Financial Ombudsman to inform them that Welcome have not carried out their Legal Obligation in a satisfactory or reasonable amount of time, I was awarded compensation July 09 and to date nothing!!!! Does anybody know whether the black mark stays on your credit file if or when Welcome go into receivership or can the Credit agencies, Ombudsman remove the black mark or does it come off automatically??? This seems a grey area!!