Hi,

Just recieved a reply from Welcome Finance for the letter of complaint I sent requesting explanations for the letters that they sent with the SAR response which were not signed, had no date, no letterhead and had my partial and incorrect address.

They have wrote that I requested "Information" for which I need to pay a £1.00 statutory fee (for a credit agreement and statement per account).

Enclosed in the same envelope they another letter (signed by the same person but no name) saying that they were unable to verify my I.D for which they need proof (passport copy etc).

It the same letter they state that as they were unable to confirm my identity they will not be treating my letter as formal complaint for the purposes of the FCA's rules.

Now:

Previously I had already paid the maximum statutory fee of £10.00 and they had already responded to the SAR i made with all the documents, logs etc they hold about me.

In every letter I wrote to them I made sure that the same reference number they gave were on my letters so they can allocate and find my correspondence and files easily.

Why are they asking for the fee again?

Why do they need proof of I.D if they had previously provided everything?

I never requested any documents from them but wanted a explanation as to why their letters where presented in this fashion and why it was incorrect etc, further mentioning that they had not followed the correct procedures to collect the debt, no debt collection letters were found in the SAR and no letters of court action was found for the CCJ they filed.

Please guide me on how to proceed with this as this is getting on my nerves. They took almost 3 months to respond back just to say they need the fee and I.D?????

Shall I just escalate the complaint to the Ombudsman, ICO, OFT etc?

Please advise

I am on the voters list and I have 1 default which goes away this year.

But my husband has 3 defaults, 2 ccj and numerous accounts in arrears but still he gets the same account.

Anyway to remove the CIFAS marker before the 1 year period?

What I find weird is that I get refused the most basic bank account even though I have a credit car & home shopping catalogue under my name and also my credit score is much better than my partners.

My partner's score: 148

My Score: 560

Recently I opened a halifax easy cash account online, I was issued with a card, internet banking etc but shortly after I was told to destroy the card as my account has been closed. I went into branch to open a basic card account, even that has been refused.

Any ideas as to why this is happening or what I can do to find out?

Hi DX,

I did not report this to anyone.

The account appeared on my credit file which I disputed.

After which experian said I was a victim of fraud and this marker appeared.

Hi,

Few months ago I was a victim of fraud, nothing was taken but a fake application was made to Vanquis for a credit card.

Now I have a CIFAS marker:

Type: ID Fraud (pers credit card)

Please can someone let me know how I can get this removed

Hi,

I have checked with the registry and a CCJ does exist. If I apply for the CCJ to be removed to the court what are the chances that it will be removed and can Welcome issue another CCJ?

Thanks to everyone for your responses.

In the SAR response there was not a single document in relation to any court proceedings or reminder of payment what-so-ever.

I have sent them another letter mentioning all this and as to why the letters are not signed, no letterhead, incorrect dates on the letters etc. They responded back saying they are investigating my complaint.

Any advice on how I can progress this further would be very much appreciated.

Hi everyone,

I made a SAR request to welcome finance for the CCJ they placed on my credit file.

The documents they sent me:

1) Default Notice - Had incorrect address, not signed and dated 23/Nov/2010

2) Letter with the default notice with same mistakes

The confusion is this:

My CCJ Judgement date is 11/May/2009 now what I do not understand is if they served me with a default notice in 2010 then how did they place a CCJ in 2009?

Why is not any of the default letters signed?

How comes there is no prior warning letters saying that they were issuing court proceedings in the SAR pack that they sent me?

The statement also shows that they added various fees such as, AD HOC FEE, Capitalisation, Interest, Interest Reversal.

Someone please help me.

Hello everyone,

I would be very grateful for a answer to my query.

I had a current account with RBS in which there was no overdraft or credit facilities.

There where some bounced direct debits for which they applied charges etc and bought the balance to over £400.

For the above they have placed a default on my credit file.

Can please someone advice me if they are allowed to do this, are the charges legal or can I fight this to get it removed.

Hi,

I had a account with RBS with NO overdraft facilities but it seems that they have charged me for returned cheques ( i think £76 per 2 cheques), paid out some direct debits even though there was no money in the account and without a overdraft arrangment. All this lead to a total debt of £493.

They also charged me £30 default notice fee

They have closed my account without letting me know and have defaulted me.

Another thing, the statement also shows the following:

(Date) 29/09/2009 - (Details) Transfer FROM SUSPENSE (paid in) 2.43 (Balance) £493.09 OD

(Date) 30/09/2009 - (Details) Transfer BAL TO BBD FINCON (pain in) 493.09 (Balance) £0.00 OD

Am not really sure what that means, does it means that there is no outstanding debt and what is BAL to FINCON?

Can anyone please let me know if this can be challenged in any way?

Hi everyone,

Since 2010 I have been in dispute with T-Mobile in regards to a default they placed on my file.

SAR was made where they have failed to provide documents in relation to the account requesting more information as they cannot located details in relation to 1 one.

The details was supplied in 2012 but they never responded.

They responded just recently in August 2013 speciffly stating " Thank you for your letter dated **/**/2011". In the letter they were advising me to make another SAR with the fee.

When I wrote back and told them that this has already been done they have responded with the letter which is attached.

Default Date: 10/06/2009

Please read the letter as they clearly say they cannot locate any information and the account was closed in 2001.

So the account closes in 2001 and default placed in 2009??

Further they say that they keep information for the maximum period of 6 years. Which means they removed all information in 2007, so how did they place the default in 2009.

Please advice me on the above, how I should write to them mentioning any specific laws and if I can take this matter to court.

I did complain to the CISAS, they have said they cannot look into it as its over 9 months old and told me to take this to court.

Still awaiting response from Ombudsman.

No I did not send a SAR. Shall I send one?

Another thing, they say that the debt was for over £400 but on my credit file it says £303.

This is the email I received from BT:

I've checked your details with the address you've kindly provided. I see you had account with us for the address quoted, we sent a final bill dated 28 January 2010 which came to £428.66. We asked for payment to be made by the 4 February 2010, after reminders were sent no payment was made and this account was passed to a collection agency.

Hi,

The default was placed by BT in 2009. Today I received an email from BT (after I made a complaint) stating that they sent me reminders for this debt in February 2010 after which the debt was passed onto a DCA.

Default placed in 2009 and debt passed to DCA in 2010?

I dont understand, please someone explain, is that possible?

So can I challenge the Default Notice and the penalty charges?

If so what route shall I take?

Thanks DX

Hi DX,

Did you get a chance to go through these?

Hi,

I have attached all the docs.

Thanks for going through them.

Further details of the default and ccj:

Default:

Terms: 73 @ £67 (monthly

Current Balance: £3,397

Credit Limit: £0

Start Date: 29/11/2006

Default Date: 09/10/2007

Start Balance: £0

Default / Delinquent Balance: £3,470

CCJ:

Court Date: 11/05/2009

NO Date of Birth Info

Ammount: £3,732

Yes, I do have the info.

Well I did ask them about PPI, they told me that I stopped PPI.

Would the default and CCJ go after 6 years?

Well what if a SAR is made and BT cannot locate the data, e.g bills, personal info etc.

Surely this will make it hard for BT to prove the debt belongs to this person.

Your best option will be to make a SAR request to BT clearly stating that you require the following:

True Signed copy of the default notice

Any deed of assignment if the debt was sold on

A breakdown of all charges added to the account

A account summary covering the alleged debt

Just provide the following details to them so they can locate your details:

Name, Address and Date of Birth.

Nothing else.

Once in possession of the above then you can move forward.

Hope that helps

Hi,

Please can you advice me on the following.

I had a loan with welcome finance for which they have placed a default and a ccj on my credit file.

Default date: 09/10/2007

CCJ date: 11/05/2009

Can someone please let me know if the above is right to be done. Also the default will be removed as it will reach 6 years soon, is there anyway to use this to get the ccj removed to.

I made a SAR request to welcome finance in which they provided a default notice which was not signed and it definitely looked to be recent and was just put in the file.

Any suggestions on the above and how to get them removed would be very much appreciated.

Hello Guys,

I have a debt with Welcome Finance which at first was car finance then converted to unsecured personal loan.

A CCJ for the debt is placed on my credit file which has about 2 years remaining.

Today I received a letter from a debt collection agency Experto Credite for the debt £3397.14 offering me a payment plan of £10 per month.

The plan is unacceptable as it will take about 26 years to pay the total debt off.

Is it possible to persuade then to write off some portion of the debt and get them to remove the CCJ.

Please advice me and provide any template letters if possible.

Thanks

please advise me on what to ask or request and what should I look out for