Here is a copy of the initial agreement but nothing in the way of an agreement for the HP loan?!

Hi DX, The initial loan was taken out in 2004 as a 'Home Improvement Loan', this second loan was taken out in 2005 as a 'Hire Purchase Loan' for a car looking at it. The HP loan was settled in 2010 but there are a few insurances on the statement. I have enclosed both worksheets in this post.

FINALLY.... After far too long we have the information though its a little strange. I have attached a PDF copy of the initial loan statement and would be very grateful of help in what and how to claim back. Secondly there appears to be another loan for a vehicle which my partner knew nothing about. I am going to enter this all into excel too as I don't have a scanner at the moment. Again pointers on that loan of what and how to claim back will be appreciated. You may recall that in my initial post I explained that welcome had refused to accept a full and final of £2000, saying it wasn't enough. Well that was back in 2012 yet magically there is a copy of a letter supposedly sent on 23/01/2013 saying that they will accept the £2000. I will amend this post and add the other spreadsheet once I have inputted it.. Many thanks in advance

Done. Thanks DX

Just a quick update, no SAR ever received, complaint in with the ICO, but here is the kicker... Just received a letter from mackenzie hall wanting payment within 7 days. Can they do this with a SAR still outstanding?

OK, 7 days are up and nothing from Welcome at all. I am in the middle of scanning all documents to send to the ICO, within the form is asks , 'Details of problem'. I have answered with this: 'Failure to respond to SAR. Failure to ascertain identity before sending correspondence and statements and/or failure to comply with SAR by saying unsure of my identity even after sending a copy of my marriage certificate (delay tactics)' Is that sufficient or too much?

Thanks again.

Here is what I intend sending these muppets, LETTER BEFORE ACTION Section 7 – Data Protection Act 1998 Dear Sir/Madam Your Ref: COMP/ Further to your recent letter dated 20th March 2013 informing me that you were unable to verify my identity. In your original letter asking for proof of identity you gave 5 items, one of which was Marriage Certificate which I duly sent a copy of. Now, oddly enough, a Marriage Certificate is not an option? You state that you are unable to confirm my identity yet you are more than happy to send correspondence and statements to me. If you were in any doubt as to my identity then you should not have been sending any correspondence or statements as this is a clear breach of the DPA. If on the other hand, you are happy that statements and correspondence are going to the right person then there is no further need for ID as you are already satisfied as to the identity of the person you are corresponding with and as a result this is clearly a tactic to avoid compliance. This too is a breach of the DPA. So which breach do you wish to admit to? I have already provided suitable identity documentation which was asked for by you on 28th Jan 2013, who else would have a copy of my Marriage Certificate? I would also like the name of your Data Controller so that he/she can be named in the court proceedings that I intend to issue. You have failed to comply with my Data Protection Act Subject access request dated 25th January 2013. If you do not comply IN FULL within the next 7 days I will file a county court action under Section 7 and 15(2) of the Data Protection Act 1998.

Thanks for that, I had looked at the rules regarding it before I read your last message. I will compile a snotty response in the morning and will send a copy of a util bill. May I gather your thoughts on my letter before sending though please?

If you read the last letter though the forms of ID they are asking for has shrunk by 2 (marriage & birth certificate) to Passprt, D/L ( both parts) or firearms Cert, all of which are photograph heavy.

Will do, now the 40 days are up they are giving this response. I think I am going to copy the local MP in on this then forward a copy of all letters to him, also cc to my solicitor too. These idiots are beyond belief, they really are. I feel that they are now messing around because the days are up, I have sent them an LBA which crossed over with their letter, I don't know if I should wait until a week on Tues (giving it is Easter weekend) to reply or just send what they ask for. Also what about picture and signature on D/L? I would sincerely like to meet some of the senior plebs at this outfit and reap vengeance on them.

Sigh... here we go... I have put the latest correspondence in date order within the PDF attached below. Now that the deadline is up, the upshot is that they are unable to confirm identity (after a marriage certificate was sent) even though statements are still being sent. You will see that I have sent an LBA prior to this last letter hitting the doormat. What is there I can do now please?

That is superb news, congratulations.!!

Just had a reply back today asking for ID to be sent, then they will 'open this case and respond to you within the appropriate regulatory time frame'. Might send a copy of her Marriage Certificate.!

Mate, one thing I have noted on this forum is that you should start your own thread. Once you do that that the site team will be quickly upon it and offer advice.

Having read many threads on here regarding this outfit, I would be very conscious of anything coming back and biting your rear. I am dealing with welscum things for my partner and have made it a priority to get her to check her CRA report each month until things are sorted. Don't bury your head but enjoy the free reign you have at the moment, the stinking animals don't sleep until their teeth are in you.

Exactly my thoughts. October 2011 is the first 'DF' in the payment history. It appears from the payment history that August 2011 was the last payment made. Many thanks for your time so far DX

Ah I see what you meant, this is a copy and paste of the header on CRA file. Account type Hire Purchase Account number ******* 2 Account start date 02/03/2004 Opening balance £ 5,*** Other accounts Regular payment £ 1** Repayment frequency Monthly Date of default 16/10/2011 Default balance £ 5,****

Would that be the last defaulted date or the initial?

Thanks DX, SAR has been sent so will wait for them. Had a look at her CRA file and this is indeed showing as being in default. Last entry made in December 2012. Can that be possible seeing as though the CAB have been dealing with this since 22nd Feb 2012 and prior to this date was under the assumption that her ex had paid it off?

Many thanks DX, Would we need to SAR separately for the PPI? or bundle it all into the 1 request?

Hi all, please stick with me, this may be a complicated read. My partner and her estranged husband took a home improvement loan out in March 2004 for £5000 plus £1098 PPI making £6098.79 total credit. In 2010 she found out that he hadn't been paying mortgage and bills etc, they separated, house was sold prior to the lender reprocessing. He has subsequently moved over to Romania leaving her with just over £10k debt (other creditors but Welcome is the most pressing, others haven't caught up yet). From the paperwork that is in front of me I deduce that the defaults started around 2009, this may be earlier though as he may have destroyed other paperwork. In 2011 she started receiving letters from welcome containing 'Notice of sums in arrears' and 'Notice of default sums', she called them in the first instance offering a full explanation of events leading up to that point but was rebuffed basically and told that the debt stands, nothing can be done apart from payment in full. Payment in full equated to £6068.74 which was simply an impossible amount to think of paying in one hit. In Jan 2012 she received and answered one of the many telephone calls and was told she had to pay something now to stop further action (I know she shouldn't have backed down) and paid £25.00. In Feb 2012 she contacted CAB who went through everything, sent a letter telling them to cease calling, asked for a full and final settlement figure and asked her to provide a financial means sheet. March 2012 brought a bit of luck in the shape of £2500 windfall which she duly put away in the hope that this may pay off the loan, CAB were informed and a letter was sent to welcome offering this amount as full and final, they rejected it! September 2012 brought a letter from Makenzie hall who now hold the debt, even though Welcome never came back to the CAB with a full and final figure. December 2012 was dire in the fact that her car broke down severely costing £1500 to put right. This £1500 came from the £2500 windfall as she needs her car as a home care provider. My questions are:- Where do I now start to sort this mess out? CAB, although good just don't seem to be pro-active enough. (not that I have any experience) Can the charges and PPI & insurances be claimed back so it reduces the overall outstanding debt? I find it incredulous that a loan for £6098 in 2004 paid until 2009 now stands at £6068! What legal right does she have over having to pay it all back when she was assured that it was paid before her ex left the country? She has given her ex's new address to Welcome but they don't seem bothered by it. I may have other questions but these are the ones that are at the forefront of my mind. Many thanks for sticking with this and look forward to any help and replies. LC