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Found 12 results

  1. Hi guys First post here, hope you can help?. I took out a secured loan with welcome in 2005 but went bankrupt in 2006. Have only had 6 monthly letters saying that we were in arrears until a month ago when we received a default notice giving us 2 weeks to pay arrears of £16000. Now like most people we do not have £16000 lying around in fact I have only 6 weeks ago got back into work after almost a year out and was on jury service when they sent the letter so didnt really have time to do anything about it. Now we have received a letter from Incasso debt collectors demanding we pay £33476 which apparently is the overdue amount not a redemption figure!! Have not been able to find any paperwork after all this time of inactivity but I do know that the original loan was around the £20000 mark. Now being desperate at the time(I had just had a potential joint buisness venture come crashing down at the last minute and tried to borrow enough to do it on my own having just quit my job in preparation to start the buisness, but ultimately lost out on that to) they were bending all sorts of rules like overstating my wages without even asking, saying that we didnt earn enough to get a loan then upping the loan required and I dont remember sending any wageslips either!! Could anyone give me any advice on what we should do now?? Could really do with some. Thanks in advance
  2. Hi All, I would be grateful for any help to work towards reducing my Welcome Finance loan which has been sold to Coast Financial Solutions despite account being in long term dispute. I do not wish to bore you kind folk with a sob story but think you need a brief history. I got a car from YES Car Credit when I was a student back in 1998. I purchased a property in 2002 and fell victim to Welcome Finance offer of reducing my costs by taking out a home loan. Since then over 15 years has passed and I have put the loan in dispute many times due to charges, incorrect balance and Payment Protection Products including MIF which I was never made aware of. Now I am in the progress of claiming back PPI and have tryed to get WFS to agree to a settlement. I am not greedy just want a soloution to the outsanding Welcome account. The account at present stands at just under 23,000 and has been re-written many times . This is my mistake for giving in to WFS harassment but they stopped interest on balance a while back due to the length of the dispute. Thus this is were its gets weird . Every time I try to communicate with WFS they pass the account on saying they have sold it but so far the purchaser has been a DCA for example Incasso and Cabot who just hand it back after I reminded them that the account was in dispute. Now they say with letter that the account has been sold to Coast Finance Solutions who are based abroad but have a PO Box address in Newport. This is strange because I have offered half the amount as settlement and when you do the maths its a very generous offer. I calculated this by simply deducting miss sold PPI which totals nearly 8,000 and deduction unfair charges. Anyway can anybody advise Many THANKS in Advance
  3. hi , i have a loan from welcome F (secured) but on the credit agreement my address does not have the flat number of my home , only the address of the whole building as there is 8 houses in the building does this mean the agreement is not complete right?
  4. just got my credit agreement from them and noticed mortgage indemnity of £550 on it it was a secure loan of 5000 we got but with this added to it and payment protection insurance added the ammount of the loan has added up to £7142.05 ppi - £1357.05 plus the £550 for mortgage indemnity question is these 2 amounts probably get interest added every month have they the right to add this on - mortgage indemnity insurance 2 weeks ago i cancelled the PPI form them and told the feckers to recalculate my loan with them but need bit of help with the mortgage indemnity insurance can anyone tell me if a account is in dispute , can they still add interest on to the loan having a nightmare with these they are saying they are adding interest on to it thanks all
  5. For information, they no longer seem to belong to an ATA. Although One Parking Ltd still have logos on the website. http://www.theipc.info/#!aos-members/cv75 http://www.britishparking.co.uk/Approved-Operators
  6. Good evening, My auntie used to own a timeshare with Sunny Coast Malta and died over 4 years ago. Since then her sister (my auntie) and my dad have been receiving debt collection letters for the annual maintenance fees for the timeshare. They were not aware that the timeshare would become their responsibility in the event of her death and have not signed anything in respect to the ongoing fees or use of the timeshare. Since her death they have been ignoring the charges. Just recently they have now started to receive letters from Network Credit Services threatening further debt collection. Please could anyone advise what steps they should now be taking? Should they just continue to ignore? Any advice would be fantastic as it is getting to a point where my auntie is starting to feel ill with it all. Many thanks in anticipation
  7. I have written to east coast on a couple of occasions recently to complain about some shocking staff behaviour which, in view of the fact that many of their staff are excellent, I am not going to describe here. However, I have not had anything other than holding responses to these letters / e-mails. The question is what do I do next - no response from Passenger Focus either! East Coast need to be freed from the control of the DfT as soon as possible in my view as, although better than when they were part of National Express, they are not a patch on GNER. Thanks in advance.
  8. Hi, I just want to introduce myself to everyone in this forum. I believe that I will share some unique ideas and experiences with you all in this forum and also learn a lot from you people. Thank you very much to everybody here.
  9. Transport Officials Suspended Over West Coast Rail 'Fiasco' Read more :- http://www.huffingtonpost.co.uk/2012/10/03/transport-officials-suspe_n_1935100.html
  10. Its reported that the blunder will cost £40m http://www.bbc.co.uk/news/business-19809717 Only yesterday Firstgroup were anticipating that the deal would see them take over the franchise in December !! http://www.bbc.co.uk/news/business-19797168
  11. This dwarfs one sold previously for £24k http://www.bbc.co.uk/news/uk-england-cornwall-19384548
  12. Whose going to paint the trains? http://www.telegraph.co.uk/finance/newsbysector/transport/9476445/Virgin-Trains-loses-contract-for-West-Coast-rail-line-to-FirstGroup.html#
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