Welcome Finance Investigation

[maybelline]

in relation to this welcome have a habbit of putting in an acceptance fee before calculating interest

racks up the profit

again a no no

peter barred is your man on this

if they have filled it in wrongly then it is most likely unenforceable, this IMO is what you need clarifying. can you get any legal help, if so, a solicitors letter will get them moving pronto

 

LSC Website : Civil legal aid eligibility)

[animal_lover]

Hi, I've just used the calculator for legal aid and i am eligible for it.

 

I've not mentioned anything to Welcome Finance about my agreement, I wanted to get some advice of here first. so i'm not sure how i go about it

 

in relation to this welcome have a habbit of putting in an acceptance fee before calculating interest

racks up the profit

again a no no

peter barred is your man on this

 

i'm not sure if that is what they have done that's why i initially wanted Peter Barred to look at it but i've been told he isn't very well at the minute , A link is on this thread if you want to have alook it's not very readable though but that's the one they sent.

 

Thanks

[maybelline]

cant quite read the info on it but judging by the previous comments, and the agreement enforceability thread in which Peter explains the proper format - yours sounds like it fits. ring the LSC and find a solicitor that specialises in consumer affairs, google it, WFS are known about so it wont be hard, then they will look at the agreement and assess your liklihood of challenging them, they will take it from there, WFS continue to bully those they think they have a chance against in court (usually litigants in person) but they can and have been challenged in court

 

ps its Bard not Barred:)

[animal_lover]

Great, I'll do that tomorrow. Thanks

If it is unenforceable then that would make my year

I'll keep updating the thread to let you know how i get on.

[maybelline]

Land Registry Aids Sham Lender in Repossession Case « Stop Repossession Org UK

this is interesting

[maybelline]

Firm says no to Yes (The Legal Week)

[animal_lover]

very interesting. I think more than likely it will be unenforceable as most threads that i've read and other articles i've read about Welcome Finance alot of them have been. I'll get on it right away.

[animal_lover]

Can anyone help me with my WF charges as i might aswell do it all together so i can give the solicitor an overall picture of what's been happening . Or do you think i should leave it to see what happens with my credit agreement as if it is unenforceable i won't need to reclaim anyway.

[maybelline]

Car Credit Complaints

 

if you are seeking legal help it will all be sorted for you

[animal_lover]

ok great, well i'll leave it then. although i need to send two complaints to FOS and ICO. should i leave them till after i've been to the solicitor or should i still post them as i was going to tomorrow. Thanks

[postggj]

send off your complaint to the ico and fos

they do take there time, so get it in the system

[animal_lover]

ok will do as i said in a previous post i hadn't been able to send them because of problems with my wages. but i'm hoping to get some help tomorrow. Thanks

[maybelline]

my understanding is that the FOS will not pursue a matter that is going to court (cross that bridge when you come to it) and that the ICO may well suggest it is a court matter.

 

you could get the ball rolling and walk away if and when nec.

[animal_lover]

Yep i will do, Thanks

[fergal71]

hi animal lover can you share which solicitor you are using as it would be good if i could use the same ..... the more the merrier maybe even class action????

[animal_lover]

I'm gonna go to the CAB first as i've been told to get it checked there to save some money, I'm actually struggling to find a solicitor near me that does it with Legal Aid. but i'm gonna see how it goes on Thursday when my local CAB is open.

[animal_lover]

I've finally managed to post off my complaints to the ICO and FOS by recorded delivery but it seems only the ICO has been signed for so i'll keep checking on the royal mail website to make sure it gets there.

 

Also i finally managed to see the CAB regarding my Credit Agreement as i'm struggling to find a solicitor near me who does legal aid aswell. I've got to go back on the 23rd September to sort it out with some other things so hopefully i will find out then if it's unenforceable.

 

Today i've recieved a letter from the DCA who are dealing with it, I've not heard from them for months. should i send an account in dispute letter.

 

[postggj]

hi animal lover

just tell the dca by letter the account is in dispute as the ico, or fos is dealing with the matter

 

may i ask who is the dca

 

i may get my wrists slapped for this but a firm of solictors called stephensons will check your agreement for free

they deal mainly with yes car credit agreements, but ime sure they will check your agreement

[postggj]

Stephensons helps to say no to Yes*- Stephensons*Solicitors (Leigh, Wigan, Manchester, Bolton, St Helens) - Family, Commercial Law, Conveyancing

 

 

try this link

[animal_lover]

The DCA is Global Debt Recovery there based in Surrey.

 

Thanks i'll try them and see what they say

 

Thanks

[animal_lover]

I recieved a reply from Welcome for the complaint i sent to ICO.

 

They told me that all the info i recieved in the S.A.R is all the information they hold on me. so that means they don't have.

 

Copy of Underwriting Sheet

Insurance Details

Details of who my policy is with including ref and PPI gaps

Copy of Default Notice

Details of the person who sold me the policy and confirm if they are qualified to give financial advice, along with proof.

Original agreement to be sent to Cholton for inspection.

 

I haven't heard from ICO yet.

 

What should i do know, should i leave it to the ICO

 

AL

[animal_lover]

Bump, anyone

[postggj]

hi animal lover

 

people who leave posts on welcome, i allways get them to request info on ppi insurances, under writing etc

 

to date welcome have never replied to this request,

typical fobb off letter

from the beginning i have allways believed these insurances are in house for max profit.

if it can be prooved that welcome are doing this, it could be the end for them.

 

i think you need to contact the ico for them to order welcome to release this data

 

makes you think

[animal_lover]

The Information Commisioners Office already have my complaint, they recieved it about a week ago so i'm just waiting for them to respond to it. I'm not sure anout the Financial Ombudsman complaint as it's still showing as not being signed for but i have recieved 2 or three replies to letters i sent at the same time that haven't been signed for so i'm hoping they have recieved it.

 

If they don't have anything on my PPI then how can they refuse to cancel it . And my default i've got it on all 3 of my files but they haven't got he default notice. I'll be glad when it's all over.

[animal_lover]

Does anyone know how long it tales for the ICO and/or the FOS to reply to complaints as it's been about 8/9 days since i sent the complaint. Thanks AL