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Posts posted by exeterbay

  1. Ok will do, I've still got the incorrect default and loan agreement to go on though eh?





    Can I ask a quick question,


    I have the dodgy default notice (posted on previous posts)


    also the credit agreement doesn't state correct info(again posted previously)


    I need to improve my credit as I want to remortgage in 2 years,


    can I get the welcome default removed because of the previous reasons?

  2. Evening gents,

    Sorry I'm snowed under at work so get limited time on here! Laptop broken so I can't scan ATM. I do have an ipad so I could take photos but that would take a while. I have two copies of all from Welcome so I am more than happy to pop them in the post or drop to you depending on where you are!


    With ref to the acceptance and broker fees the payment breakdown statement I received when SAR'd it's states the following;

    Credit/cash advance £127.33

    Acceptance fee £3.99

    Broker fee £12.73

    Insurance £0.00

    Total per month £144.05 (x180months)


    Right next to this breakdown it states the following

    Acceptance fee £235.00

    Broker fee £750.00


    Therefore if they say the above are the fees then why have they charged me 3.99 & 12.73 per month for 180months!!!!

  3. Just received SAR request back from Welcome,


    very difficult to read agreement,

    no sign of the default notice,


    and reams of 'siebel' (must be their operating systems name) data.


    Heavy reading/decifering!


    One thing I have noticed is the acceptance fee and broker fee have been added into the monthly payment!


    Broker fee total is £750.00 but over 180months = 12.73x180= 2291.40

    and acceptance fee total is £235 but over 180months is 3.99x180= 718.20!!!!!!


    What do I need to look for in all of this?


    I'm unsure and don't want to miss a thing,

  4. did you get stung for any PPI or anything


    will be listed in the first statement.






    now the first statement I have is dated September 2008

    but I took the loan out in January so maybe I'm missing one?


    The initial loan amount is not far off the amount on the September statement

    so doesn't look like ppi on there,

    I did tick the box to say no ppi anyhow.

    .. If that makes a difference!!!

  5. Thanks dx.. i'm gonna play devils advocate here a sec...


    OK so if i CCA them wouldn't it only confirm to them that i live here?

    and if they do send the agreement what good would that do if the default notice is wrong

    and the agreement has no total amount payable etc.anyhow?


    If they cant produce any docs is that game over too?


    Is the fact the default notice is wrong a watertight legit get out clause?

    and the details missing from the agreement?



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