Hi, My daughter was turned down for a mortgage yesterday being due to 2 black marks on her credit record. She checked it out on experian and saw one was from her bank for an old debt that had been settled more or less straight away, she rang the bank and they told her to write in and they would remove it from experian. the second one was from a debt collection agency regardiing a store card she had had a few years ago...this was also paid in full about 6 months ago. She rang and asked them if she wrote in would they please take it off her record, they said no they wouldnt she would have to wait 6 years....can i ask....is this correct....are they allowed to make that decision...any advise please...thank you.

can someone please email me and tell me how i can start a post to ask a question...i have posted questions before....but everytime i do come to do one....i can never EVER find how ....lol.....i know it will be there in front of me but please someone help before i go mad.....lol or maybe i already have my email is **Email removed**if any kind person does email me can you reply to tis and let everyone else know you have done it......just for if i get a milllion....thank you in advance for helping...

I tried acas and what they said was that any over payment a company makes they have a right to claim it back but with agreed arrangement....i knew that was the law but i thought under the circumstances that i wasnt actually over paid as such i was given the money n lieu of notice...which they gave me when they sacked me...to me that wasnt an over payment.....

Hi...last year after having had a long period off work and on SSP, I received my statement from the Alliance and Leiceter showing they had charged me 2x£25 charges for something or other...being on £65 per week, with a mortgage and every other thing in life you have to pay for when you live on your own...meant they were leaving me wth £15 .....I rang and said is there anything you can possble do as you have left me with no money .....Luckily i got through to someone with a bit of compassion.....who asked me if i was suffering hardship...i said i certainly was....she told me not to worry about it , said she needed to speak to another department and would get me the charges refunded...i was delighted and promised myself i would make sure t never happened again...... 3 days later I got letter from A&L saing how sorry they were to hear of my hardship and as a goodwill gesture they had put nearly £600 into my account....i nearly burst with joy.....how kind of my bank to do this.....why had they felt so sorry for me to give me money...no one could believe it.......then.......it dawned on me and i did a bit of looking back on statements....something as a full time worker i hadnt done very often.....adding the bank charges up over the last couple of years...the total was.....just over £600.........so.....very pleased i got it back without even asking....this must be a first....but so annoyed they got that money out of me at the time......and may i say i dont think will be happy untill they have got it all back....they come up with more charges now for this n that....slowly im paying for it .......lol.

Good job i decided to keep it short lol...........

Hi, I would be very gratefull if anyone could give me any advise on this...long story but to cut it as short as i can... I have worked for this company (not sure if i can name them lol) for 6 years, untll i worked for this company...and also for the first 4 years of working at this company i had never had 1 day off work off sick.. then I had seriouse health problems mini strokes and diagnosed with emphasima , and the death of my sister which all lead to severe depression, I went sick from work during all this and felt harrased by the company trying to get me back to work....anyway after 6 months i got a letter telling me they had sacked me as i was making no attempt to get back into work..they gave me 1 months pay in leui of notice........cutting things short again I appealed...threatened them with a tribunal...and they reinstated me 3 months later, Initially telling me i would get full back pay for the time i was sacked, so i dropped the case and returned to work, during this time i was told I wasnt entitled to any back pay as after they sacked me i remained sick, had exhausted my sck pay so they wernt giving me any back pay.....although gutted...as i was now struggling for money being unemployed for the last 3 months..(getting SSP) I went back glad to be able to have my job back and knowing i had accrued my holiday entitlment while off sick, After being back 2 months i was told i owed the company a full months salary they had given me in leiu of notice as i now had not been sacked.....I told them i couldnt possible let them take that money off me...saying would never accepted my job back if they had told me this before i returned....and also that by this time i had had to reduce my hours from full time to 30 as with my health i couldn not work full time anymore. They then came up with the idea of taking all the accrued holidays from me for half of what i owe the company and would take a payment arrangement from me the the rest. Up to now I am refusng to make any agreement with them over this....and wonder if i will have to eventually pay the money back..... That all happened last year but its still ongoing......now 9 months later i have a flare up of my emphasema.....i rang in sick on the 10th august...had 2 weeks off on sick and returned to work on the 24th. the 24th is our pay day, ....when got my wage i had only been paid untill the 10th...the day i went off sick, and they put me down as sick untill the end of the month......when i rung HR to ask why this had been done they said it was how they did it and any sickness would be stopped the month it occured.....saying i would get any under payment in september....Now,,,..this has never happened to anyone else who has ever worked there......as i was expection...my next months pay wold have had the deductions for sick, which is how i know it works.....my friend was off sick for the same period as me and still got her full pay....sick pay deducted next month.....I recalled HR and said i felt i was being treat differently to others at work....they said it was payroll policy they had followed to make my deductions, I asked if could have a copy...she was horrified and asked why wanted one...i said to make sure i was being treat fairly....she said we dont have anything i writng to send you, i said that couldnt be right, she said it was....and that they would now give me back the money the had deducted within the next few days.........Now I do know for a fact they have treat me differently to all my other collegues,... anything anyone can throw in......sorry if this doesnt make much sense......i ramble on and on once i get started lol....sorry

I must admit i am now feeling the same after getting a solicitors letter now demanding over £250 for the original £40 for parking in a disabled bay and not displayin a blue badge.....i took advise from here and havent responded to anything from them....but tonight i am now worrying that maybe it is a council car park...it was in a retail park outside superdrug......does that mean anything to anyone....these letters are a worry...however i put it in the bin......................

I got a fine for parking in a disabled bay and not displaying a blue badge..in a retail park out side super drug.....the reason i did park there was i am ill but dont have a blue badge...the day i parked in this bay i hadnt noticed untill i got out of my car that it was a disabled space, but i was genuinly feeling so ill at that time and only needing to be in the chemist (superdrug) for about 5-10 mins i didnt think it would be a problem, on my return i had a fine....40 pound i think it was if i paid within 14 days otherwise it would be 120...i came on this site and read up all the things about this and decided i was going to ignore all the stuff that came from these people....which i have up to now, I have now today got a letter from Roxburge debt collectors demanding i now pay £172 for their client TPS Parking Solutions Ltd within 7 days or they will pass it on to their solicitors. I came on here tonight to confirm i am right by ignoring this....and now i am panicking like mad...think i have read it all wrong and i should have paid the original fine before i end up having to pay loads to them...as i did see a sign saying a blue badge had to be displayed, but there was plenty of other spaces it was nearly time for the shops to close, I was going to claim I didnt have a blue badge as i dont want the world knowing im ill, ut now im having doubts about it all...please help..

sorry I had to go out...just seen your reply with add up of figures....what linzi actully paid was £5484.24 so there is a slight short fall but thats not what they are arguing.....if this ws the case we wouldnt have a problem paying. I am gettin gthe form printed out tomorro and will post it straight away, thank you so much for all your advise.....ill be back when i hear from them...

oops....not as lucky as i thought...the first firgure was becuse there was still the last payment to be made......so sorry they actually reduced the debt by £80......that was after linzi wrote and complined ....the response was they rejected the complaint ......it says she made no effort to clear any charges before the end of loan term...how could she no one ever told her there was any.......but as a good will gesture they reduced it by £80.....

thank you....linzi has got every document they have ever sent her.....so here goes . total amount of credit £3,500.00 theres no addition fees duration 24 monthly payments £228.51 apr 59.28 total charge for credit 1,909,24 acceptance fee £75 interest charge £1,909.24 all her bank statments show all these paments were made 24 at 228.51 for the first 3 months when they continued to take it on the wrong date the also took a £38 payment when she called to pay the original missing payment.....she was never told they were talking that payment and are even now saying they didnt ...they say they took £25 which has now been took off the final ammount reducing it from 663.74 to 332.94.....but we have every bnk statment showing these £38 were taken by welcome duration

which part of the agrrement do you need...thank you..

daughter is on the phone to them right now asking for a subject access request....is this the right thing cause they didnt know what she was talking about....they said the only thing they could send was a copy was a copy of her last yearly statement for £10...which we already have....she asked for all the records welcome have on her ...she said they couldnt do that.......

no insurance........could i maybe type out all the wording to you...i know itll take a while but i can do that later tonight

i have read all the agreement and it is quite clear about the charges they apply...but they are applying charges that they made us occur...admit this but still tell us we owe the interest it incurred....but it was their mistake......i also know now that this is something they do to most clients....set the dd up for a wrong date....charge for non payment......then put more on at the end for being late paying it.........thats the jist of it really......

how do i do that ... i dont have a scanner and dont really know anyone who does...awwwww....

ok cheers...thank you

i think ive done it .....lol...just tried sending you a privvate message but your in box is full so thank you for getting in touch....i was trying to contact you to ask if you would take a look at my post and give me any advise you can please.

also they did reduce the ammoount to £350 saying they had taken off the charges they had taken for none payment when it had been their fault...again proving it them at fault that the account went into slight arrears.... but still thinking were stupid enough to pay for their mistakes............

can anyone please give me any advise ....my daughter took out a 3500 loans wit welcome 2 year ago, i knew she was paying a high percentage but didnt really interfere, now what should be her last payment next month has now made me realize what a mess shes got herself into with this corrupt company. They told her her DD would be set up for the 24th of the month then tried to take it on the 11th.....the payment failed but they took #38 as a missed payment fee.....she didnt know this had happened till she got a call from them a few days later telling her her payment was now over due, she told them it was due on the 24th, they agreed it was their mistake , she paid the full ammount that day by phone and was told her next payment would be taken on the 24th, it wasnt, the same happened again, they took #38 on the 11th , rang her took the payment and told her next month it would be the 24th, this happened again the next month..this happened another 2 times but on the fourth month by the time they rang her to tell her they had not took the payment on the 24th... she didnt have enough money in her account to make the payment in full so on the their advise she spread that months payment out over the next 6 months, they did start taking the DD on the correct day and they took the payment and have done every month since, meaning the last payment was today, she did get in touch with them half was through the loan asking for an early settlement figure but what they asked for was un believable so she carried on with the repayments, now they tell her she owes a further 2 months payments as when she was late paying the first few months it made the interest which is charged daily so this put an extra 560 pound onto her charges.....i have spoken to them and got nowhere, they admit it was their fault that the payments wernt taken on the right date, admit it was all their fault, admit my daughter was never told that spreading the one months missed payment (due to them) would then cost her 500 extra or she wold never have let them do that, she would have borrowed the money to pay it on time. I have asked them for a full break down on why they say we owe this money and also told them we will be cancelling the DD after this final payment this month, they now tell me that when i dont have the next 2 payments go through we will be charged daily for the outstanding chaarges they have put on, they have offered to refund 2x20 charges they put on for late payment...what a joke....they made the payments late....but they take the charge off cause they admit it was their fault yet charge us the interest, surly they cant get away with all this, i have been reading all the stories from people on these fomrums and its disgusting companies like this can get away with what they are doing,..please can anyone tell me....is this 500 they say is outstanding going to turn into 1000000 pounds ina few months if we dont pay.......i dont want to give them a penny but id sooner pay the 500 than get charged more by these sharks...how can or goverment allow this.....will be gratefull for.any replys i still have the agreement and the ammount she will have paid is the exact ammount on the agreement but they say she has defaulted on this. my latest from welcome is a threatening call to my daughter yesterday telling her she was going to have to pay the outstanding amount.....charges they put on at the end for late payments....which they made her miss and admit they were at fault but say she still has to pay the charges even though it was their fault.......anyway she told them she wouldnt be paying any more as all her bank statments prove she has not missed any payments and the loan is paid in full....he was really nasty with her and said they loved customers like her who thought they could get away with paying them because they messed up the payment...said it was the way they made their money.....i have now told her to record any more calls she gets but not to answer at all if she cant record it......i am also just writing my letter to their cpmlaince dept asking for the Subject access request, and telling them we will not be accepting any calls from them in future......but im still worried to death that these cowboys are gona get their way end and up us having to pay them....with the 45 per cent interest he says they will now be applying for every day she doesnt pay it.........i wanted to go straight down to the office and tell him where to go , untill my friend told me they are all big people that work there and would just throw me out of the shop.........so....would anyone please tell me......should we just pay.....or tell them to go to hell...........

my daughter has been asking me to try sort this out for her but up untill them calling her yesterday with more threats i was hoping they had gone away....not so......

oh i am useless on this site, i cant link it up to start a new thread, i have just put a post on somewhere with my latest from welcome but cant do the start a new thread thing now lol........can someone help me please.......

my latest from welcome is a threatening call to my daughter yesterday telling her she was going to have to pay the outstanding amount.....charges they put on at the end for late payments....which they made her miss and admit they were at fault but say she still has to pay the charges even though it was their fault.......anyway she told them she wouldnt be paying any more as all her bank statments prove she has not missed any payments and the loan is paid in full....he was really nasty with her and said they loved customers like her who thought they could get away with paying them because they messed up the payment...said it was the way they made their money.....i have now told her to record any more calls she gets but not to answer at all if she cant record it......i am also just writing my letter to their cpmlaince dept asking for the subject access request, and telling them we will not be accepting any calls from them in future......but im still worried to death that these cowboys are gona get their way end and up us having to pay them....with the 45 per cent interest he says they will now be applying for every day she doesnt pay it.........i wanted to go straight down to the office and tell him where to go , untill my firend told me they are all big people that work there and would just throw me out of the shop.........so....would anyone please tell me......should we just pay.....or tell them to go to hell...........

Hi yes my daughter meets her deadline tomorrro for the ficticious balance they say she owes.....trouble is we dont know what to do......do we pay before they start adding more interest ..........I came on here to write to the ombusman.....

can anyone please give me any advise ....my daughter took out a 3500 loans wit welcome 2 year ago, i knew she was paying a high percentage but didnt really interfere, now what should be her last payment next month has now made me realize what a mess shes got herself into with this corrupt company. They told her her DD would be set up for the 24th of the month then tried to take it on the 11th.....the payment failed but they took #38 as a missed payment fee.....she didnt know this had happened till she got a call from them a few days later telling her her payment was now over due, she told them it was due on the 24th, they agreed it was their mistake , she paid the full ammount that day by phone and was told her next payment would be taken on the 24th, it wasnt, the same happened again, they took #38 on the 11th , rang her took the payment and told her next month it would be the 24th, this happened again the next month..this happened another 2 times but on the fourth month by the time they rang her to tell her they had not took the payment on the 24th... she didnt have enough money in her account to make the payment in full so on the their advise she spread that months payment out over the next 6 months, they did start taking the DD on the correct day and they took the payment and have done every month since, meaning the last payment was today, she did get in touch with them half was through the loan asking for an early settlement figure but what they asked for was un believable so she carried on with the repayments, now they tell her she owes a further 2 months payments as when she was late paying the first few months it made the interest which is charged daily so this put an extra 560 pound onto her charges.....i have spoken to them and got nowhere, they admit it was their fault that the payments wernt taken on the right date, admit it was all their fault, admit my daughter was never told that spreading the one months missed payment (due to them) would then cost her 500 extra or she wold never have let them do that, she would have borrowed the money to pay it on time. I have asked them for a full break down on why they say we owe this money and also told them we will be cancelling the DD after this final payment this month, they now tell me that when i dont have the next 2 payments go through we will be charged daily for the outstanding chaarges they have put on, they have offered to refund 2x20 charges they put on for late payment...what a joke....they made the payments late....but they take the charge off cause they admit it was their fault yet charge us the interest, surly they cant get away with all this, i have been reading all the stories from people on these fomrums and its disgusting companies like this can get away with what they are doing,..please can anyone tell me....is this 500 they say is outstanding going to turn into 1000000 pounds ina few months if we dont pay.......i dont want to give them a penny but id sooner pay the 500 than get charged more by these sharks...how can or goverment allow this.....will be gratefull for.any replys i still have the agreement and the ammount she will have paid is the exact ammount on the agreement but they say she has defaulted on this.