Welcome Finance Help!!!

[cerberusalert]

Make a complaint to your local Trading Standards & the OFT.

[moosehead]

how can i check if my welcome loan has been reduced?

[cerberusalert]

how can i check if my welcome loan has been reduced?

 

Ask for a 'Statement of Account'.

[Sara27]

just to keep this thread up to date, this guy from the local office has now sent two letters asking for payment and charging for the letters despite being told when he phoned that the account was officially in dispute. I sent away yet another letter to compliance about their harrassment and have forms to fill in from the oft. Is there anything else I should be doing in the meantime?

[Sara27]

error

Edited April 14, 2009 by Sara27

[Sara27]

S.A.R. sent 9/03/09

Telephone letter sent 9/03/09

Received letter from welcome to contact them (complaints)

3 messages on answer phone from welcome to contact them 11/03/09

Messages left on answer phone 13/03/09

Messages left on answer phone 16/03/09

 

Received S.A.R. 16th march 09

Writing and figures on it are so small that I can't see what they say.

Subject Access Request pack contents

 

Letter (uploaded)

Statement (uploaded)

Loan agreement front sheet x2

Loan application

Insurance suitability

Pages of Staff scripts

Credit agreement (uploaded)

Agreement modifying hp agreement (uploaded)

Demands and needs statement

Transcript (pages) not our transcript but Carol and Chris whoever they are (with phone numbers and contact address)

Telephone letter 2nd request sent 24/03/09

2nd S.A.R. sent request as first was incomplete/inaccurate account in dispute, sent 24/03/09

Checked Credit File as alert by email A significant balance change 24/03/09

Response to 2nd S.A.R. request received 30/03/09 they are looking into this.

Message on answer phone 02/04/09

Local branch phoned place of work demanding payment and we said they cannot request payment while the account is in dispute. He said that Welcome has resolved our complaint and that we are just avoiding payment which is utter nonsense, also threatened to turn up at my partners workplace today and has said he will be at our home at 6.30pm. 02/04/09

Letter from branch asking for payment 04/04/09

Telephone letter sent 3rd request 06/04/09

Letter from Branch to contact them overdue account 09/04/09

Letter sent to accounts manager at local branch 14/04/09

Letter sent to branch manager local branch 14/04/09

Voicemail left by local branch 14/04/09

Complaint submitted to information commissioner 14/04/09

Complaint submitted to fos 14/04/09

 

They have 4 days left to comply with my subject access request

where do we go from here?

any help would be appreciated

Edited April 14, 2009 by Sara27

[Sara27]

Ok received SAR from welcome this morning. Guess what they have done this time?

 

Sent me another customers information yet again! But this time I have names, addresses, dates of birth, phone numbers, payslips with national insurance number, bank account sort codes and account numbers, copies of driving licences and basically every personal detail I could possibly need if I was the type of person to commit fraud!!

 

Absolutely appalling!!

 

Anyone know who I can report this too.

 

Also can anyone advise what my next step should be? They only have a further 3 days to comply with my SAR and this is obviously not going to happen so what do I do with regards to sorting out my own account?

[Sol]

This is becoming a regular occurrence, only yesterday I was talking to someone on another forum who the same problem!

 

Report them to the Information Commissioner as soon as! Information Commissioner's Office - ICO

[Sara27]

Thanks Sol. I'm sure I have seen your posts on that other forum too!

[Sol]

Yep it's probably me. It just shows how big the problem of Welcome actually is, especially if you take into account that many people may not have internet access to report that they've had the same problem, and many would probably just throw it in the bin. But then again, you may get the odd dishonest person who might use someone else's information fraudulently.

[JonCris]

I agree It's happening a lot ...........:DI wonder if the staff due to lose their jobs are intent on screwing Welcome

[Sara27]

Very incompetent given that after they sent another customers transcripts first time around, we sent them a letter pointing out their error and asked them to send OUR SAR.

 

Should I write again requesting SAR given that they only have a further 3 days of the original 40?

[Sol]

I wouldn't write to them again. If they don't provide you with the information within the 40 days, then you have 2 complaints to make against them with the ICO.

[andie_303]

Sara - if it was me I would also call the person who's details you have and tell them what has happened and send them their stuff back - if that happened to me I would hope someone would send me my details!