Thanks DoH!

Thanks DB. Have sent SAR & CCA requests today (seperatly) via special delivery. I have also sent copies of these to the local branch (as FYI only), with copies of previous letters reminding them that I have asked to be contacted by letter / in writing ONLY, and that they do not have permission to phone me or come to my house. I have so far had 5 missed calls today from my local branch....

Thanks db. Would you send the SAR to the local office, or the "head" office?

Hi all Can anyone pass on advice re above post? I know I am going to start getting calls again today. I have checked all of my paperwork with Welcome, and I have also checked all payments. What should I do...?

Hi all Well, I have made it to the end....or at least I thought I had. Last month i paid, what I believed, to be my final (UN) Welcome payment for my car. I then start getting phonecalls last Friday, both on my mobile, and at work, 4 times a day from my local branch stating that I still owe £190. I am really, really confused by this, as I was certain it had all been paid. I did the worst thing I could do, and answered one of the calls yesterday, to be told that if I don't make this payment before the end of this week, collections procedure will start, and that the car is "still thiers". Now, I know this to be balls, and it is highly unlikely that they will do anything for £190, but there is this small part of me that is terrified they will try something stupid. Can anyone help me? Thanks

Peanut, can I ask what email address you used, as I have sent several emails since getting one from them on Monday, and have so far heard nothing back...

I have just emailed Errol to convey my anger at this happening. Will see if I get anything back. I am not hopeful!

Hi sillygirl In terms of my last payment, do I just pay it to wonga as per previous payments, or see what this gothia want? What would you do?

Hi there Sorry to jump in, but wanted to get some advice. I have today received an email from Gothia, stating that they have "bought" my loan from Wonga, and the email has a link to a website which tells me how much I alledgedly owe. Now, I did borrow some money from Wonga last year, and then fell into financial difficulty, which resulted in the loan interest accruing to a total of almost £900. After a lot of emails back and forth, I finally got Wonga to agree to a 10 month payment plan of £89.63, which I started paying in November 2010 (I still have all these emails - god bless my OCD in keeping everything!). I have not missed any payments etc, so was expecting that this month would be my last payment to them. However, upon checking this Gothia website it is saying I owe over £1,200!!! I have responded to the email and said that I have been paying (and have proof of payments), and asked them that they write to me with proof of ownership of the debt. Can anyone tell me if there is something else I should do, as after researching CAG, I have see that a number of people have had home visits from this Gothia shower, and I do not want them showing up at my house... Thanks so much

Thanks so much - had the pleasure of Welcome turning up on my doorstep unannounced last Wednesday from a local branch. Having been in hospital over Christmas - it certainly was an "unwelcome" vist! The guy was very shirty with me saying that I had missed payments, when I certainly have not. He also was quoting different laws to me which was a big mistake given that I am a HR Advisor and know A LOT of the laws back to front! He then told me that he was recording the whole conversation, which he legally could not do without my permission...which I did not give! Just don't want this shower turning up at my front door again. Ideally going to give the car back this month now that I have paid 75% of the finance off, just so I can get this awful company out of my life.

Dadofholly - can you tell me where the letter templates you have referred to above are stored as I cannot open the links... Thanks so much!