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    • https://www.nationaldebtline.org/EW/factsheets/Pages/debtrelieforders/droadvice.aspx   https://www.nationaldebtline.org/EW/factsheets/Pages/debtrelieforders/droadvice.aspx
    • I would have thought it easier in small claims.  Your wife very kindly and considerately wrote to her employer offering more notice than she was obliged to do.  No doubt she had the best interests of her employer in mind and wanted to give them adequate time to plan ahead and find a replacement.  To her amazement, her employer took advantage of her kindness and unreasonably treated her notice as taking immediate effect, blah, blah blah.   Personally, I think an argument like that is quite likely to succeed in small claims where they won't be accustomed to arguing the niceties of employment contracts.  It's obvious your wife is being taken advantage of.   Again, I think you are more likely to get an even-handed and fair hearing in small claims than at an ET.   However, I'm not a lawyer and I'm definitely not an employment lawyer.  See what others advise and whether anybody else thinks it would be easier and more likely to be successful simply to sue.  (Oh - and remember if you want to sue them for the money you've got six years to do so, whereas the time limits for ETs are ridiculously tight.  Can't remember off the top of my head but is it something stupid like 60 or 90 days?  Ridiculous).   Of course there may then be issues about getting future references from them.  But if you go down the ET route that'll likely be a problem anyway.    
    • say i was going to write to all these about the debts and try get deal to reduce monthly payments and stop all interest do I write to them first or do I stop payments then write to them ?   Same if I was going for a DRO do I just sort out and apply for that first or stop all payments then apply for it .   Also I see for a DRO it says ive got to go through  an authorised debt adviser so who do i go to about this and at moment we still on lockdown here in wales and not many places open .   Last off ive asked regarding pro rata forms and still cant find any 
    • Yes but I think in a small claims court it will be far harder to prove. I have plenty of evidence to discredit the Director but again it could still not be enough.   She will be a month with no money and I think it’s far more risky than a tribunal where this action alone could result in the desired outcome.   I have said to her to request a face to face meeting to enable both parties to conclude, ideally resolve and at that point we can decide what action we wish to take.    
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miziwizzi

Welcome finance and where are all the templates??

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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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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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Are welcome really being investigated by the serious fraud office?

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allegedly, according to people on that thread

 

:D


Carpe Jugulum

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I Can Confirm 100%

 

Dixon Of Dock Green

 

Fsa

 

Hmrc

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Ok no response to letter, however on just checking credit file they have now marked account as defaulted, but no default notice received by us!

 

Guessing we will have a DCA contact us soon.

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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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