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    • Hi. Could you post up what they've sent please so we can see what the charge is? Cover up your name and address and their reference number. HB
    • I've looked through all our old NPE threads, and as far as we know they have never had the bottle to do court. There are no guarantees of course, but when it comes to put or shut up they definitely tend towards shut up. How about something like -   Dear Jonathan and Julie, Re: PCN no.XXXXX cheers for your Letter Before Claim.  I rolled around on the floor in laughter at the idea that you actually expected me to take this tripe seriously and cough up. I'll write to you not some uninterested third party, thanks all the same, because you have are the ones trying to threaten me about this non-existent "debt". Go and look up Jopson v Homeguard Services Ltd, saddos.  Oh, while you're at it, go and look up your Subject Access Request obligations - we all know how you ballsed that up way back in January to March. Dear, dear, dear - you couldn't resist adding your £70 Unicorn Food Tax, you greedy gets.  Judges don't like these made-up charges, do they? You can either drop this foolishness now or get a hell of a hammering in court.  Both are fine with me.  Summer is coming up and I would love a holiday at your expense after claiming an unreasonable costs order under CPR 27.14(2)(g). I look forward to your deafening silence.   That should show them you're not afraid of them and draw their attention to their having legal problems of their own with the SAR.  If they have any sense they'll crawl back under their stone and leave you in peace.  Over the next couple of days invest in a 2nd class stamp (all they are worth) and get a free Certificate of Posting from the post office.
    • Yes that looks fine. It is to the point. I think somewhere in the that the you might want to point out that your parcel had been delivered but clearly had been opened and resealed and the contents had been stolen
    • Hi All, I just got in from work and received a letter dated 24 April 2024. "We've sent you a Single Justice Procedure notice because you have been charged with an offence, on the Transport for London Network." "You need to tell us whether you are guilty or not guilty. This is called making your plea."
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Welcome finance+DCA


miziwizzi
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No it has come straight from my local branch.

 

Basically purchased car in 03/04, not one of those ones you see on here nowadays, we found car ourselves!

 

No PPI but they did force gap insurance, told no gap no loan, however we put down £6,000 on a £10,000 car so did not need it, this was followed by a few late payments during a difficult time and charges for calls etc being added., argued gap n charges etc, and consequently not paid anything for 2 years approx, now balance is £1,800.

 

Not sure what offer will be as is hubbys account so wasnt told, however I do know that if they could of done anything they would of by now so thinking they dont have correct paper work etc.

 

However of recent they have added a 6 to credit file so account showing in arears, I do not wish this to go into a default so thinking some arrangement could be reached.

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Ok, you need someone else on here not me, i know nothing about car hp etc,

Keep bumping the thread every 6 hours or so to bring it to the top, just type the word "bump", that will do it.

Please note i have no legal training any advice i give comes from my own experience and from what i have learned on this site

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  • 2 months later...

Hi Guys,

 

wanting to sort out welcome to whom O/H owes 1700, I know they have no CCA ( not asked but they not done anything so plus I have ours and its tosh). The account has gap insurance on which was never needed but forced to take it as no gap no loan type of threat! Also charges.

 

These all total arond £1000 so leaving around £700 whih am happy to pay on proviso they rectify my credit file from showing 6's back to all ok n paid in full.

 

Which letter do you suggest? in dispute or subject acess request? and where have the templates gone???

 

 

ta in advance

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You can go either way.

If you ask for their copy of CCA, and it's unenforceable, then you don't pay them anything.

BUT: they will f*** your credit report, ring you constantly, and visit every other day.

 

Or you can ask for SAR, then reclaim charges/GAP - but they will almost certainly fight you all the way into court.

Meanwhile, you will have to continue paying them, or they

will f*** your credit report, ring you constantly, and visit every other day.

 

I'd go for the SAR first. Remember to ask for all details pertaining to insurance - underwriter, policy document, policy number, HOW MUCH COMMISSION WAS PAID TO WELCOME.

 

Also, there is a sticky about multiple agreements on same CCA - this covers when insurance is added to loan amount so you pay interest on it. From what I can gather, insurance should be come under it's own prescribed terms - there should be separate APR, repayment schedule etc, if it doesn't have them, that's another reason for CCA to be unenforceable.

 

BUT again - be prepared for an uphill battle

Carpe Jugulum

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Thanks so much for reply, stopped paying them around 18 months back and told them to sort gap etc, they have constantly marked credit file with 6 months arears for the last year.

 

Lots of offers such as make regular ayments then when its gets to £1000 left we will write it off etc but I dont want it written off I want it taken off now then I will clear balance.

 

Threats of sending to DCA etc too, will send SAR in morning and see what happens.

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  • 3 weeks later...

Have written to welcome requesting the removal of gap insurance cost that was never required and stated that once done we will clear all monies owed by us.

 

will update once a response is received.

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before you pay them ANYTHING.

read this thread:

 

http://www.consumeractiongroup.co.uk/forum/general-consumer-issues/109794-welcome-finance.html

 

Basically, Welcome are being investigated by the serious fraud office and the Vat-Man over "supposed irregularities" in their accounting. Mainly related to non-existant insurance policies.

There are also long-standing problems with ALL their credit agreements.

If you signed for this loan before 2007, chances are it will be completely unenforceable AND possibly unlawful.

 

Either way, Cattles PLC(the company who trades as Welcome) have had several (6?) of their directors suspended, and their shares are now trading at around 2p (as opposed to £2 a year ago).

 

They also owe £500m to Barclays(?) and are rumoured to be around 1.5 BILLION quid up Shut creeK.

 

Happy days!

Carpe Jugulum

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  • 3 weeks later...

Hello,

 

I have just checked my credit file and noticed that welcome shows up on the footpath.

 

Thing is I do not and have never had any dealings with welcome myself, hubby does have which is currently awaiting results of SAR due to forced selling of gap insurance and charges.

 

The CRA states the following:

 

infoicon.gifFinancial associate searches show when your credit report information has been seen because someone you are financially connected to has made an application for credit. This information is recorded for you on your copy of your credit report only. It will not be seen by lenders.

 

 

As my OH has not applied for credit they are only checking to see what he is up to regarding other accounts etc but I am really not happy that they are getting to see my profile.

 

What do you guys think?

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have you spoken with the CRA about it? - doubt they will do anything about it but worth asking why someone is allowed to look at your file when you do not have nor wish to have credit with them and your hubby is not applying for credit with them either - ask for a response in writing.

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^ tried to email credit expert but form says my ref number is too short and needs to be 8 numbers long even though I hasd entered the 8 digits!! grrr so letter will be posted rec delivery on Sat.

 

Just don't see where its right or fair that they should be seeing my details.

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  • 2 weeks later...

Welcome's usual response - none!!

 

Send again to Welcome head office in Nottingham - address it to Chris Palmer Compliance Department - tell him this is a copy of previously ignored corresspondance - give him 7 days (and the date that it 7 days away) to comply otherwise you will file the matter in small claims court. I.e. you will take them to court long before they take you, you will win and they will be screwed!!

:D

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  • 1 year later...

The original lender will mark the a/c satisfied when they sell the debt on & then the new owner will carry on updating your file. However the original default entry will remain on your file until the six years are up and then it should drop off along with all the updates afterwards.

 

Keep a hard copy of your credit file showing the entry now in case you need evidence at a later date. Some DCAs have been known to try and extend the 'life' of a default. :rolleyes:

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Thanks for response,

 

welcome have already done the extending thing, they marked account defaulted asof 2010 but in actual fact we have default notice from 2006.

 

Now file has changed there is no default date marked at all.

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