Dreading dealing with Welcome Finance

[wakeywakey]

Due to financial problems I am going to have to tell Welcome Finance that I can no longer make the monthly repayments to them.

 

I am setting up a DMP with Payplan and will need to add this welcome loan to the plan.

 

My question is, what can I expect from them in the way of harrassment?

(I have heard they are particularly bad and i'm worried sick about it)

I cant afford to have them harrassing me at work as I will lose my job.

 

Also, how would it be best to tell them?

By letter to local office/head office, or let Payplan contact them.

 

This is the last of my creditors to go onto the DMP

[moggy490]

Hi all,

I,am new to this and i too am having a problem with Welcome,

My ex-partner had a loan & car finance with them but stopped paying them and left the country.

I have recently got a copy of my credit report and there are defaults on it from Welcome didnt quiet understand the report but there are 14 different things on there from Welcome :-?.

I never signed anything from them and have never had finance from them.

I only ever spoke with them when my ex first left and that was to say he'd left.

Is there anything i can do about this as the debt is not mine.

 

thanks

[Angel104]

Wakeywakey my advice to you is to put everything to them in writing. NEVER speak to them on the phone. Yes they can be bad at harrasing people but if you write and tell them the situation then they have no reason to harrass you.

 

Moggy: Try writing to welcome about it and see what they say.

[moggy490]

Hi i already spoke with welcome about them have my name conected to this agreement a few years back and they said it was only a contact name as the direct debit used to go from my bank account but they agreed they had nothing signed from me. And it wouldnt affect me at all in the future.

What would you suggest i do now.

 

thanks

[postggj]

hi moggy

are you telling me you have a default on your credit file and have no financial dealings with them.

them saying will not affect you in the future is rollocks.

i need you to tell me what exactly is on your credit file ref welcome.

it seems welcome are up the creek over this

 

please send a letter to all three credit ref agencies saying you require a notice of disasociation from your ex

every time you are credit checked, your ex details will show if you dont do this.

its called financial association

[moggy490]

Hi Postggj

At the mo i dont have my credit report to hand but i know there are over 15 entries from Welcome,a Few under the associates part and also under defaults and other catagories.

Nothing was ever signed by me with Welcome and they have openly admitted that they have no record of me signing for anything.

 

When i spoke to them today about this the lady said they have my details on file, so i asked her where i need to send a letter of complaint to, she then put me on hold and kindly after 1min cut me off.

[postggj]

if possible

can you scan the relevent parts of your credit file ref welcome,

deleate personel details and ref numbers

post on your thread.

google photo bucket, its free

 

if you do that ill be able to sort this for you

 

realy need to see the entries to comment

 

defamation comes to mind on this one

[postggj]

welcome will ignore you if you challenge them

 

if you have no outstanding debts in the closet, you can view your credit file on line free for 30 days, just cancel before the 30 days expire

 

only do this if you are sure you have no old outstanding debts

[moggy490]

Hi again

Can try and do this tomorrow if i dont succeed i,ll just type it so as you can understand what i mean.

thanks so very much for your help

[moggy490]

Hi i,ve finallt gotten hold of my credit report again. Dont know how to upload it onto here.

Anyway there are 9 entries under Financial associations from Welcome that read like this:

NAME: J bloggs (me)

Address: mine

Associated with: F craddock (my ex)

Confirmed by: Welcome Financial Services ltd

Date: 10/07/2002

 

That is exactly the same for 3 of the entries.

 

Then 1 entry exactly the same again but with the date 20/08/2003

then anouther exactly the same but with the date 26/08/2003.

 

Then there is these ones again under financial associations:

NAME: J BLOGGS (ME)

ADDRESS: MINE

DATE OF BIRTH:MINE

ASSOCIATED WITH: F CRADDOCK (MY EX)

DATE OF BIRTH (HIS)

ASSOCIATION TYPE: JOINT ACCOUNT

CONFIRMED BY: WELCOME FINANCIAL SERVICES LTD

DATE:07/03/2004

 

exactly the same but with anouther 4 different dates.

 

Then under account information on my credit report there are ones that read like this:

 

Welcome finance unsecured loan...3 payments late settled 04/04/2004

 

entry number: c6

NAME : mine

ADDRESS : mine

D.O.B : mine

COMPANY NAME: welcome finance

ACCOUNT TYPE: unsecured loan(personal loans etc)

STARTED: 27/08/2003

CURRENT BALANCE : settled

REPAYMENT PERIOD: monthly payment £267 over 36 months

Settled on:06/04/2004

FILE UPDATED FOR THE PERIOD TO: 04/04/2004

status history: 3.1.1.1.0.0.1.0

SUMMERY OF PAYMENT HISTORY : In the last 8 months of account activity, the number of status 1-2 is 4 and the number of status 3 is1.

 

Note : settled accounts are kept on file for six years from the settlement date. the status history in respect of a settled account relates to the period of time prior to the date of settlement.

 

And the next entry :c7

 

Welcome finance hire purchase/c... 1 payment late settled 07/03/2004

 

NAME :mine

ADDRESS : mine

D.O.B: mine

COMPANY NAME : welcome financial services ltd

ACCOUNT TYPE: hire purchase/conditional sale

STARTED: 27/08/2003

current balance : SETTLED

REPAYMENT PERIOD:monthly payment £166 over 36 months

SETTLED ON: 27/02/2004

FILE UPDATED FOR THE PERIOD TO: 07/03/2004

status history: 1.0.0.0.0.0.0.

 

Summary of payment history: In the last 7 months of account activity,the number of status 1-2 is 1and the number of status 3 is 0.

 

NOTES: settled accounts are kept on file for six years from the settlement date.The status history in respect of a settled account relates to the period of time prior to the date of settlement.

 

And the next :

entry number c8

Welcome financial unsecured loan... 6 payments late settled 22/01/06

 

NAME:mine

ADDRESS:mine

D.O.B:mine

COMPANY NAME:Welcome finance

ACCOUNT TYPE:unsecured loan(personal loans etc)

STARTED:06/04/2004

CURRENT BALANCE:settled

REPAYMENT PERIOD:£148 over 52 months

SETTLED ON:28/12/2005

FILE UPDATED FOR THE PERIOD TO:22/01/2006

STATUS HISTORY:6.0.0.0.0.2.2.1.0.0.0.0

 

summary of payment history: in the last 22 months of accont activity, the number of status 1-2 is 6 and the number of status 3 is 1.

 

And entry c9

 

welcome finance hire purchase/c.. satisfactory settled 30/11/2003

 

NAME: mine

ADDRESS: mine

D.O.B: mine

COMPANY NAME: welcome financial

ACCOUNT TYPE: hire purchase/conditional sale

STARTED: 08/03/2002

CURRENT BALANCE: settled

REPAYMENT PERIOD: monthly payment £149 over 48 months

SETTLED ON: 26/11/2003

FILE UPDATED FOR THE PERIOD TO: 30/11/2003

STATUS HISTORY: 0.0.0.0.0.0.0.0.?.0.0.0

 

SUMMARY OF PAYMENT HISTORY: in the last 22 months of account activity, the number of status 1-2 is 0 and the number of status 3 is 0.

 

Hope this helps as i dont understand any of it. thanks

[moggy490]

Also have had a letter from Welcome asking for a copy of my credit report.

[postggj]

hi moggy

 

it looks like you can hang, draw and quarter welcome over this

they have f...ed up big time,

data protetion and consumer credit act

welcome have an obligation to make sure the data they provide the cra has to be acurate

 

please confirm that you have never signed an agreement with welcome.

on your credit file, does it show any ware the word default or status 8.

 

you need to start stacking your ammo now to go full guns with welcome.

 

send welcome a letter with the copy of your credit file showing the welcome markers.

ask for an explanation as you have never had an account.

for good measure, enclose a cca request.

or better an sar request

 

a typical ploy of welcome is to trash peoples credit file so you have to go back to them

 

give them hell over this

 

send by recorded delievery to this address

 

welcome financial services ltd

compliance dept

mere way

ruddington fields business park

ruddington

nottingham

ng11 6nz

 

ill be following this to the end

 

give them hell and good luck

 

i feel you can go after welcome for comp over this

 

they have loans in your name

[moggy490]

Hi i can confirm i have never signed anything with welcome.

there is nothing on there with default or status 8 from welcome however there are from hillsden.

 

Whats an s.a.r ? can i get a template of 1 ?

 

i really appreciate your help on this

[postggj]

what can you tell me about the hillesden entry

thats the dca welcome use

[animal_lover]

My ex-partner had a loan & car finance with them but stopped paying them and left the country.

 

I just wanted to ask, you said your ex left the country and stopped paying Welcome but on your Credit File is says both accounts are settled.

Did you carry on paying for your ex partners debts after he left?

 

I'm no expert or anything but if you did surely that can't be right if you never signed anything associated with them (Welcome).

 

Good Luck i'm sure it will be sorted out soon.

 

Not alot of people like Welcome on here esp Postggj (lol) :)who has helped me out alot with my Welcome Problems, Your in very good hands

[postggj]

use this sar

 

Data Protection Act 1998

 

Subject Access Request

 

Dear Sir/Madam

 

ACCOUNT NUMBER: xxxxxxxxx (or multiple numbers if more than one account)

 

Please supply me with all data that you hold on me. This includes in particular, but is not limited to, the following:-

 

1. The original signed, executed credit agreement and any terms and conditions that applied to the account at the time of default and at the time the account was opened.

2. Transcriptions of all telephone conversations recorded and any notes made in relation to telephone conversations by your company, or by any previous creditor

3. Where there has been any event in my account history over this period which has required manual intervention by any person, I require disclosure of any indication or notes which have either caused or resulted in that manual intervention, or other evidence of that manual intervention in relation to my account formerly held with ORIGINAL CREDITOR.

4. True copies of any notice of assignment and/or default notice or enforcement notice that you or the original creditor sent me, with a copy of any proof of postage that you hold.

5. Documents relating to any insurance added to the account, including the insurance contract and terms and conditions, date it was added and deleted (if applicable).

6. Details of any collection charges added to the account; specifically, the date it was levied, the amount of the charge, a detailed financial breakdown of how the charge was calculated, and what the charge covers.

7. Specific details of the fees/charges levied by any other agency in respect of this account and a detailed breakdown of said fees/charges and what each charge relates to and on what date said fees/charges were levied.

8. A genuine copy of any notice of fair use of my data as required by the Data Protection Act 1998

9. A list of third party agencies to whom you have disclosed my personal data and a summary of the nature of the information you have disclosed.

10. Copies of statements for the entire duration of the credit agreement.

 

I enclose the statutory maximum fee of £10. You have 40 days in which to comply.

If there is specific information which you require in order to satisfy yourself as to my identity, please let me know by return. However, please note that the above address is the one which you normally use to communicate my private business to me and which you have hitherto found to be acceptable.

 

Yours faithfully,

 

 

print but don't sign your name

[bazaar]

Hi moggy

Personally I would not give them your credit reference file, Its got nothing to do with them, If you haven't any dealings with them from previously, then they have, as Postgg has correctly stated, really effed up. They have trashed your credit file and should remove it immediately, there are templates on the site to deal with this, send them the warning first, then if they dont comply, you can report them and then persue them through court for damages. Keep everything in writing from here on in, a nice letter first stating that you have no association with your ex should be more than enough for them to remove their faults on your file.

[postggj]

hi bazarr

 

i apreciate your comments but i take it you have never delt with welcome.

they are the most under hand company you can deal with

they have little regard for the consumer credit/data protection act.

 

the reason to hit them with the sar is they let slip things the should not.

 

its like chess

do your moves then check mate

 

you need all the info they have on you

 

the fos and oft have so many complaints against welcome, this could be the final nail in the coffin

[moggy490]

Hi the hillesden one :

LENDER TYPE STATUS BALANCE UPDATE

Hillesden securities credit card default £1,030 03/08/2008

 

Entry no: c1

 

NAME: mine

ADDRESS: mine

D.O.B: mine

COMPANY NAME:hillesden securities

ACCOUNT TYPE: credit card

STARTED: 12/06/2003

DEFAULT BALANCE: £1,030

CURRENT BALANCE: £1,030

DEFAULTED ON: 31/03/2004

FILE UPDATED FOR THE PERIOD to: 03/08/2008

STATUS HISTORY: 8

 

I M SURE THIS IS SOMTHING TO DO WITH CITIBANK.

 

No i didnt continue to pay his debts but his direct debits did used to go from my bank account when we were together.

[postggj]

thats fine, nothing to do with welcome

send the sar to the address given and keep updating your thread

this is end game for welcome on this one

[postggj]

it also appears we have our welcome guest

postggj says hello again

[moggy490]

ok thank you.

[moggy490]

With regards to sending my credit file to them... can i white out all inserts from other companies or not as i really dont want them knowing my business?

[postggj]

hi moggy

cut out every thing but welcome

[moggy490]

will do thanks