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    • The neighbour's house is built right on the boundary so the side of their house is effectively the 'wall' in our garden separating the two properties. It's a three storey house and so the mortar poses a potential danger to us. Because of the danger, we have put up an interior fence in our garden to ensure we don't risk mortar dropping on us. That reduces the garden by 25% which is not only an inconvenience, but it's the part of the garden where we had lined up contractors to install a patio and gazebo which we will use for our wedding reception in less than 2 months. We have spoken to the neighbour's caretaker who is on the case, has spoken with a roofer and possibly a scaffolding company, but there are several issues. They don't seem to understand the urgency. As long as there is a risk of falling mortar, we can't carry out any work in the garden, and unless they hurry up, we're looking at cancelling our wedding as it's not viable to book a venue because we can't use our own garden! Also, they want to put the scaffolding up in our garden which would be ok with us if it was a matter of a few days and they hurried up, but there is a tree (most likely protected by the conservation area), so most likely they can only reach part of the roof with the scaffolding if they put it up in our garden. We suggested a roofer with a cherry picker but they seem to want to use a company they've used before. Any and all comments, suggestions, advice is more than welcome.  PS. does it make any difference that the neighbour is a business (ltd) and not a private dwelling?
    • No apology needed, thank you for what you do I am glad to hear they paid. well done on getting back what is yours
    • Apologies all for the late reply and info, i have been away with the Army. They have paid I accepted the offer on the 5th of May, and they paid on the 17th of May.
    • Hello everyone,   Just thought id post an update.   I've today now finally received a claim form from PRA Group. Bit annoying as the last payment to them would have August 2018 so was nearly over the line. I believe my only grounds for defence is that they haven't managed to produce a copy of the DN notice, however from some online research I managed to find some case law that stated they can use their systems screenshot to show proof of it being sent.   I know I have to respond back to their claim form and will do so online on moneyclaim, is now the time to pick up the phone to them and negotiate a deal?   Any advice as always is much appreciated it.
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Dreading dealing with Welcome Finance


wakeywakey
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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 S.A.R - (Subject Access Request) 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

 

Hi Postggi

Sorry for the misunderstanding, I wasn't saying dont do the SAR, I suggested not giving them the Credit ref file. I think all DCA's are underhand and I believe we should play our cards close to our chest when dealing with them.

I totally agree with getting complaints in, but if a reasonable request to remove data goes first and they dont do anything, then that will strengthen the case against them if and when anyone takes them to court.

Again apologies for the misunderstanding

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  • 1 month later...

Hi,

I have recieved today this letter from Wfs after sending a letter of complaint,a S.A.R & a postal order for £10, here goes:

 

Final Response To Your Complaint.

 

Thank you for bringing to our attention the fact that you feel that you have never had a loan with Welcome Financial Services or an association with MR JOE BLOGGS. (never said that i havent had AN association with him, I said never had a finincial association with him).

I have now reviewed all outstanding issues and thank you for remaining patient while this matter was under investigation.

 

After looking into your complaint I have found that we have documentation purporting to be signed by yourself.In circumstances if you feel that these have been fraudulently signed, could you please supply us with a police crime reference number and we will be happy to look at your complaint again.

 

I hope you are satisfied with the outcome of our investigations.

 

If i do not receive any further contact from you regarding this matter, i will close my file on your complaint 8 weeks from the date of this letter.

 

Should you remain dissatisfied you the right to escalate your complaint to the Financial Ombudsman Service within 6 months of the date on this letter.

 

Yours sincerely

Mike Wrigley

Acting Branch Manager

 

Thats it! ??????????

No agreements NO signatures No nothing

Anybody know what i should be doing now? please.:confused:

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Ask them for the documentation, tell them you have made an SAR request and therefore you are entitled to this documentation - if not they are in breach of a valid request for information and should be reported to the Information Commissioner.

 

Tell them that any more entries made in your name will be challenged and that you ARE immediately escalating the complaint to the Financial Ombudsman Service.

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after 40 days

 

send this to welcome

 

 

LETTER BEFORE ACTION

Section 7 – Data Protection Act 1998

 

Dear Sir/Madam

 

Account: xxxxxxxx

 

You have failed to comply with my Data Protection Act Subject Access Request dated (Insert Date).

 

If you do not comply within the next 7 days I shall seek a Court order obliging you to do so together with damages at the discretion of the Court and without any further notice.

 

 

Yours faithfully

 

 

 

 

 

[name]

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Hi there ARE loan agreements which do actually have my signature on them from 22/08/2003 then anouther agreement with sheets dated 22/08/2003 & 26/08/2003 then an agreement front sheet with no signature or or agreement attached just a print out that says monthly hp renewal with only his name on it. A default notice from 22-dec-04 with no signature not even from them. A loan agreement front sheet from 11/01/05 4x dd mandates. A personal loan statement. A copy of a letter regarding a default notice from 22-dec-04 and then a copy of Mida notes.

 

IF this doesnt help i can try and upload them to pc and the send you copies. cheers

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Hi i did state that i have never had an agreement with Welcome (could never recall signing anything) However this is my signature on the agreement with my ex partners.

the payments were made from my account yes but i never signed dd mandate as you would notice in seeing the mandate. but my ex always gave me the money to put in my bank.

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have you ever sent a letter to welcome with your signature on it

post the agreements minus personel details

google photo bucket

ime turning in now so ill get back to your thread in the morning

any caggers out there care to comment on this, dont want to go all out guns blazing as fraud is a possability

 

post those docs please

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as i understand it your ex had an agreement with welcome.

she was giving you the money and it was being paid through your bank account.

you maintain that you never had an agreement and that on the copy of the agreement there is two signatures, yours and your ex.

 

like i said

post the agreement, default notice, dd mandate onto your thread.

 

you can do this by using a free program called photo bucket.

just google it.

scan the documents onto your pc, then use photo bucket to post.

 

remember to deleate your name, address and account number before posting.

 

we will go forward and sort this out when i have this info

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