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jcasey2408

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Everything posted by jcasey2408

  1. My loan is personal not car finance. I chased them up this morning and apparently they are being resent and i should have everything i need by the end of the week.
  2. Well i dont know if this is an interesting development or not but - I rang the branch of welcome finance (hull) that are dealing with my loan to chase up why i hadn't recieved anything relating to my SAR or CCA requests. They state that they were posted before xmas (Um i never recieved them) but will send further copies to me as all the information they hold on me is stored on their head offices computer and it shouldn't be a problem getting another copy printed off and they will be with me by the end of the week. Are they just stalling me for time or is this true as i know most of you are being sent made up unsigned copies of your credit agreements. I also told them that my account is now in dispute and they cannot forward my account on to the DCA but they said that it is out of their hands as it is automatic and they have no control stopping it happening??? He did ask me why my account was in dispute so i told him about trying to make a claim against the mis-sold PPI, the extortionately high APR rate, the charges for non existent home visits, the imaginary phonecalls, credit acceptance fee's, early resettlemnt charges to finance another loan etc etc, at which point either i lost my signal or he hung up on me?? I tried ringing back but he's in a meeting!!! I will give them until friday then i will be hassling them again. Bit sad really as the loan was supposed to be paid of next month. And it would have been if the PPI was worth the paper it was written on.
  3. I know what you mean my charges total about the same my outstanding balance equates to all the charges so when they cough up my account will be clear and closed. I haven't used my card for 14 months (came across some difficult times a while back but don't we all) i always paid early with a cheque they did the same to me saying they hadn't been paid and charging me then i woud recieve my statement and they say that they got the payment one day late?????? Recieved another statement to the same effect this morning even though i posted a payment off well before xmas cos i know what the post is like at that time of year. Still got charged for non payment and then again for going over my limit. But i'll be claiming them all back and closing it down. Can't say ii'll cut the card up cos i did that 14 months ago!!!
  4. Do you have the address for ruddington? thanks
  5. I thought that is what i had to do next but how do i inform the information commisioner. Where do i write to and is there a template letter for that.
  6. i recieved all my docs through from capital before xmas, but i thought i would wait till after the festive season to pick it up again. I have marked all the charges and will be sending them my first letter sometime this week.
  7. I have already looked at this template but i don't like sending letters that i don't fully understand myself. In the sense that it is hard to read and follow what it means. I will send a formal letter stating that i am putting my account into dispute and see what happens from there.
  8. yes i sent it signed for delivery and i check royal mails website and it had been delivered. I sent it to head branch and it must have been forwarded to my local branch as thats where the single piece of paper was from.
  9. Ok so i still haven't recieved any info relating to my SAR or CCA requests but i have recieved a letter stating that welcome are passing my account on to the debt collection agency. Just wondering if anyone has any suggestions of what to do know?
  10. what do i do know that my SAR and CCA requests have been completely ignored there 40 days and all i have recieved is one piece of paper with a few lines of numbers on. i have now been informed by welcome that they are passing my account on to the debt collection agency. Are they just ignoring these SAR requsests and immediately passing us on to DCA's.
  11. i got 2 pices of paper from welcome finance before xmas. thought i would wait till now as things get messy over the festive period postal widse but no nothing. The 2 pices of paper in question are a list of payments made and outstanding balance. Nothing else thats it. What do i do now as i was expecting to receive copies of my 2 loan agrements with PPI details on and actual interest rate charged as i know is was above 47%. Do i issue a non compliance letter cos frankly i am fed up with giving them more and more time. I would like to be able to go knock on their door asking for them to cough up immediately then charge them £25 for the privilidge.
  12. cheddar i am the same i nearly lost my claim for housing and council tax benefit because of '' the error on the system'' and them being unable to produce an award notice 17 phonecalls and 4 months later i still haven't received a printd but luckily the housing benefit people are aware of the tax credits computer failure. My other problem now is that back when the system first started and the chaos involed we were left for 5 weeks without payment so got emergency payments from the inland revenue office. Last year they sent me a letter asking for the payments to be paid back as my award wasn't adjusted at the time to compensate for these payments. I have since split from the childs father and had no idea where he was and didn't want him to know where i was either. I offered to pay half the money as at the time i was a stay at home mum but we were still both equaly responsible for the payments so both equally responsible for paying it back. They refused this. And i have spent months trying to get it sorted. They stated that since i no longer recieve tax credits ( I'VE ALWAYS CLAIMED TAX CREDITS?) they are unable to claim it back through any current award. Then this morning out of the blue i have recieved county court papers as they are taking me and my ex to court to reclaim to overpayment. Now i'm lost as to what to do. My first problem is that both mine and my ex's addresses are on the court papers which has really annoyed me as i have tried really hard to keep my location from him. But now he has my full address. A complete breach of my privacy. I dont have any award notices as they were lost in transit when we moved so i can't argue if the payment is right or not also as i wasn't working and my ex was. i am unable to find out how much he earned to check if the figures are correct or not. I did ring and tell them of all changes and when it got to the end of the year and they wanted final figures i explained to them that i was unable to provide them as we were no longer together and they would have to find him and ask him themselves. So does anyone one know where i stand and what i should do it's not a huge amount of money £400 but it's the principle of the situation that is getting to me more.
  13. With regards to your signature have you saved it when you change it. also it doesn't always show up, strange but thats just the way it is. Good luck with natwest i had mine settled in full today.
  14. hi cant seem to be able to pm a mod can you change my thread to *settled in full*. Its 'jenny vs natwest let the battle commence'. Can you also get rid of the let the battle commence bit as well please?
  15. Fairclaire, i was in the same position as you where WF had my card details and they would constantly ring me to authorise the payment. I told them that i would not authorise the payment which stumped then a little. I sent a stop harrasing me via telephone letter which can be found in the templates section and i also found this somewhere on here for if they tried to push me and carry on phoning- "I am now taping the rest of this conversation: (Pause for effect) and I am putting you on notice that I intend reporting you to Trading Standards and The Office of Fair Trading, under Section 40 of The Administration of Justice Act 1970, for Harassment. Furthermore, I will from this point on, only communicate with you in writing and if I receive one more telephone call from you or your organisation, I will see that you face criminal proceedings under Section 2 of The Protection from Harassment Act 1997 - and before you say anything further, you may be interested to know that your consumer credit license will not protect you from prosecution. Are we now absolutely clear on this matter?" So far they have recieved all my letters and i havent had a single phone call from them so i havent had to use it, but it could help you if they persist in ringing you before they recieve the letter.
  16. I have checked my account but it's not in there yet. It usually takes a couple of days for them to refund charges anyway so i'll give it to the end of the week and check again.
  17. Just one final question do i have to reply to this letter and accept the refund or will it be automatically credited to my account??? Got carried away with my great result and forget to ask before!
  18. WON WON WON WON WON I recieved a letter from the infamous stuart higley this morning. At first glance it seemed to be the standard bog off letter. But right down at the bottom it says: As a gesture of goodwill and without any admittance of liability on behalf of the bank, we have agreed to refund the charges amounting to £249.00. This refund is made as a full and final settlement of your complaint. Any charges in the future will not be refunded. I'm well happy with my little windfall and well in time for xmas.I know it's not in the thousands but it was money taken from me at a time when i had so little in the first place. I feel great it's brilliant. 1 - 0 to me. Roll on cap one, barclays and welcome finance. Off to make my donation as this site is absolutely amazing and a big THANK YOU to everyone who gave me their bits of advice i couldn't have done it without you all. THANK YOU, and GOOD LUCK to every one.
  19. head office recieved my 'stop calling me letter' my SAR and my CCA request yesterday. Surprise surprise no more persistent phonecalls!!! I can't wait to receive my paperwork or what bits of it they send me. It could get quitw confusing though but still it will be interesting to see whats on it. I reckon after having a long think that i dont owe them any money (or if i do it will be very little) especially as i my second loan was a small increase and they paid of the first loan off and thay gave me early repayment penalties and no reduction for the PPI which i never wanted or needed in the first place. Does anyone know if anyone has had any success with getting money back from UNWELCOME FINANCE!!! For anything whether it be charges, mis-sold PPI etc.
  20. Sorry to hear that so many off us are in the same boat. But were all in the right place to get it sorted. All us people can't be wrong. i would have thought it was normal until somehow i stumbled across this site. It's a great feeling to know that what they are doing is wrong, and about time to that we turned it around and gave it back to them. I want to pay my loan off but i want to pay it off fairly but it seems that WF won't let people do that. Looking back i did ask if i could take home the computer printed quotes so that i could think it over. she said i could take a quote home but not the computer one she had to hand write it on a blank piece of paper. I should have realised then that something was dodgy but desperate times cloud your judgement. They never even explained to me how much i would be paying back they just kept pointing to the monthly 'affordable' amount. I needed the loan for furniture after i split from my sons dad and he took the lot leaving us high and dry. But i wish i had taken the time to look around as there are other options available. My letters are in the post so something will be done. Once i get then i will be shouting to everyone that will listen until something is done to stop welcome finance. My friend had a loan with WF and only had four months to go at £125 Pm he decided to pay it off as he came into some money and ended up paying back nearly £1000 - early repayment penalties they said!!!!! Even when you do pay without problems they still get you in the end. cjm_2006 i agree with you stay well clear of welcome finance, you may be desperate now but things could get a whole lot worse.
  21. I sent them to my local office. I have this with me now ready for the next time they phone me- "I am now taping the rest of this conversation: (Pause for effect) and I am putting you on notice that I intend reporting you to Trading Standards and The Office of Fair Trading, under Section 40 of The Administration of Justice Act 1970, for Harassment. Furthermore, I will from this point on, only communicate with you in writing and if I receive one more telephone call from you or your organisation, I will see that you face criminal proceedings under Section 2 of The Protection from Harassment Act 1997 - and before you say anything further, you may be interested to know that your consumer credit license will not protect you from prosecution. Are we now absolutely clear on this matter?" Found it on another thread. So if they continue to ring me after they have recieved the letter i will use it. It will be quite hard not to laugh when saying it.
  22. Cheers cheddar. it will be in the post first thing in the morning.
  23. My agrrement has been passed from branch to branch so i dont really know who is in charge of it anymore. All these phonecalls come from york but originally loan was in scarborough. Do i my SAR and ''stop calling me'' letter there or straight to head office? I haven't sent anything out yet just had a new arrival in the family i'm now officially an antie so havent had the time over the kast few days. She's a little ray of sunshine umungst all this chaos.
  24. Sorry to hijack the thread but i was just wondering if a copy of my loan agreements came with my SAR or do i have to apply somewhere else for that? Also does anyone have any letters etc as to how i can stop them calling me a dozen times a day. They have my bank card number and are ringing for me to authorise a payment but i have told them i will be sending a cheque once my chequebook arrives but they still keep ringing me. Doorstep caller expected anyday now.
  25. Any ideas as to where i send my premlin letter to requesting the amount of charges back. I've looked around the site and found this: NatWest Customer Relations FREEPOST NAT12685 BOREHAMWOOD WD6 1BR is this the address i send it too?
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