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skip trace by welcome finance


hubert406
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hello everyone

I am new here and this is my 1st post

I have a personal loan with welcome Finance, for about 3 months now. I pay by direct debit and have never missed a payment.

I received letter today from them, called Notice Of Default Sums, for 50£. Reason for this is skip trace. But...why? Please could help me because I cant afford 50£ to pay, for something I dont understand? Whar options do I have?

thank you

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ok found you

 

right first thing, you have an agreement with welcome

big mistake

 

now ive got that over with we can help

 

welcome are notoriouse with there phantom charges .

this stings you with the high apr

 

can you post that letter minus personel details on your thread

google photo bucket, its free

 

it seems welcome have charged you as they believe you have done a bunk, believe it or not

by law now they have to inform you of any charges

that 50 quid has just been added to the balance so you wont be asked to pay extra.

 

some one has f...ed up on this one

dont panic as this is easy to sort out.

 

post that letter asap

 

did they sting you for ppi etc

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hubert

 

can you post the agreement as well

dont forget to deleate all personel details

leave in the figures etc

i will be able to tell you then what you have got your self into and see if we can cancel any of those insurance cons

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very big thanks for your reply. First of all forgive me if I make any spelling mistakes, english isnt my 1st language.

On 24.08.09 I took personal loan with Welcome, for 2000 pounds. I was desperate, because me and my wife have split up and I needed this money to purchase a car. And I was happy to pay by direct debit,and I was doing so this few months, and now this letter arrived:

 

http://i485.photobucket.com/albums/rr211/hubert406/skiptrace.jpg

 

Which I totally disagree with, I have done nothing wrong for them to trace me?

As you requested, I try to post a pic of my agreement, as I dont have scanner, hope it will look good,in two parts for easier reading.

 

http://i485.photobucket.com/albums/rr211/hubert406/welcome1.jpg

 

http://i485.photobucket.com/albums/rr211/hubert406/welcome2.jpg

 

Thank you for looking into it and hope to hear from you soon

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good grief

they saw you comming

 

right lets see if we can sort these jokers out

 

ill post a letter later for you to send welcome

send it by recorded delievery

you say english is not your first language so ill be gentle

 

this £50 charge is no problem to sort so i will concentrate on the insurance part

 

first

 

can you tell me

are you working

full time or part time

do you have any outanding medical problems

did welcome give you any details on the insurance, thats underwriters etc,

who is the policy with

 

i know these questions are personel, but be honest ,

the more info you give

the more help you will get

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thank you for reply

straight ot the point

 

Yes I am working full time

no medical problems

I didnt get any details about policy, by the phone I declined it, but they said I HAVE to take it or forget about the loan, and I don't know who is it with

 

Thanks for your help, and I dont mind any question as long as you can help me

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