Jump to content

You can now change your notification sounds by going to this link https://www.consumeractiongroup.co.uk/index.php?/&app=soundboard&module=soundboard&controller=managesounds

 

You can find a library of free notification sounds in several places on the Internet. Here's one which has a very large selection https://notificationsounds.com/notification-sounds

 

 

BankFodder BankFodder

 

BankFodder BankFodder


  • Tweets

  • Posts

    • 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.    
  • Our picks

    • Currys Refuse Refund F/Freezer 5day old. Read more at https://www.consumeractiongroup.co.uk/topic/422656-currys-refuse-refund-ffreezer-5day-old/
      • 5 replies
    • Hi,  
      I was in Sainsbury’s today and did scan and shop.
      I arrived in after a busy day at work and immediately got distracted by the clothes.
       
      I put a few things in my trolley and then did a shop.
      I paid and was about to get into my car when the security guard stopped me and asked me to come back in.
       
      I did and they took me upstairs.
      I was mortified and said I forgot to scan the clothes and a conditioner, 5 items.
      I know its unacceptable but I was distracted and Initially hadn’t really planned to use scan and shop.
       
      No excuse.
      I offered to pay for the goods but the manager said it was too late.
      He looked at the CCTV and because I didn’t try to scan the items he was phoning the police.
       
      The cost of the items was about £40.
      I was crying at this point and told them I was a nurse, just coming from work and I could get struck off.
       
      They rang the police anyway and they came and issued me with a community resolution notice, which goes off my record in a year.
      I feel terrible. I have to declare this to my employer and NMC.
       
      They kept me in a room on my own with 4 staff and have banned me from all stores.
      The police said if I didn’t do the community order I would go to court and they would refer me to the PPS.
       
      I’m so stressed,
      can u appeal this or should I just accept it?
       
      Thanks for reading 
      • 6 replies
    • The courier industry – some basic points for customers. Read more at https://www.consumeractiongroup.co.uk/topic/421913-the-courier-industry-%E2%80%93-some-basic-points-for-customers/
      • 1 reply
    • The controversial sub-prime lender says the City watchdog is investigating its practices.
      View the full article
      • 0 replies
petermac1

welcome finance

style="text-align:center;"> Please note that this topic has not had any new posts for the last 4086 days.

If you are trying to post a different story then you should start your own new thread. Posting on this thread is likely to mean that you won't get the help and advice that you need.

If you are trying to post information which is relevant to the story in this thread then please flag it up to the site team and they will allow you to post.

Thank you

Recommended Posts

hi everyone, i took a small loan with them 1500 pounds,was paying it on all in time.

 

then the couuncil tax dept had put a wages arrestment,for council tax 15years ago

 

but that meant i coulnt aford tp pay the loan.

 

i havent payed it for 4 months, am considering a iva for all my debt

 

but the thing i want to ask,welcomefinance are threating with wages arestment, can the do this

 

thanks peter

Share this post


Link to post
Share on other sites

no.

they can threaten what they like

they have no loegal powers!

 

have a good read in the welcome finance forum

 

these people are the pits,

 

 

dx


please don't hit Quote...just type we know what we said earlier..

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s would collapse overnight.

 

 

Share this post


Link to post
Share on other sites

Hello and Welcome, peter.

 

I'll move this thread to the appropriate Forum, where hopefully you'll get more help.

 

Regards.

 

Scott.


 
 

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

Share this post


Link to post
Share on other sites

Hi - Peter I can concur with DX - Welcome are the pits!!!

 

Before doing anything with these people you need to level the playing field - send them a CCA request - enclose a £1 postal order and send to their head office in Nottingham.

 

The reson for doing this is you need to see what Welcome have got - namely a lot of the time Welcome do not have an original copy of your CCA - without that they cannot do ANYTHING.

 

Next is report them to OFT and Trading Standards - believe me both bodies KNOW about Welcome and their behaviour.

 

In the meantime do you have a copy of the agreement if so can you scan and upload it using photobucket so we can see it - there may be things we can do to help.

 

If you can do this remember to block out any personal details but leave the figures in.

  • Haha 1

Share this post


Link to post
Share on other sites

Your home address)

 

Date:

 

 

To:

 

Dear Sir/Madam

 

Account/Ref No:

 

With reference to the above agreement, I/we request you send me/us a copy of this credit agreement and a full breakdown of the account including any interest or charges applied.

 

I/we understand that under the Consumer Credit Act 1974 [sections 77-79], I am/we are entitled to receive a copy of any credit agreement and a statement of account on request.

 

I/we enclose a payment of £1 which represents the fee payable under the Consumer Credit Act 1974.

 

I/we understand a copy of any credit agreement along with a statement of account should be supplied within 12+2 days from the above date. Therefore this should be recieved no later than [insert date].

 

I/we understand that under the Consumer Credit Act 1974 creditors are unable to enforce an agreement if they fail to comply with the request for a copy of the agreement and statement of account under these sections of the Act.

 

I/we look forward to hearing from you.

 

Yours faithfully

 

 

 

Your name. - PRINT DO NOT SIGN ANYTHING!!!

Share this post


Link to post
Share on other sites

thank you everyone,what wfc

have said if i dont pay 128pounds by 30th of april,they will go to the courts for a wages arestment and also they have been charging 10 pound a phone,which i dont know if they have phoned,and they have been phoning my work

 

its stress me out

 

i have a scanner,i will try and upload the cca, its easy to do,where do i find photo bucket

 

thank again peter

Share this post


Link to post
Share on other sites

Hi, peter.

 

Image hosting, free photo sharing & video sharing at Photobucket

 

There's a tutorial here..........

 

http://www.consumeractiongroup.co.uk/forum/bear-garden/165941-photobucket-video-tutorial.html

 

Regards.

 

Scott.

Edited by maroondevo52

 
 

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

Share this post


Link to post
Share on other sites

Hi there, Welcome would need to get a court order to arrest your wages. They would have to take you to court, get a CCJ and then if you defaulted on that they could ask for an attachment of earnings - even then you have the chance to defend and ask to make payments yourself.

 

Are you able to make even small payments towards the loan? If so you need to write to Welcome enclosing a budget sheet showing what you can pay. If you need help with this, just shout :)


Help us to keep on helping

Please consider making a donation, however small, if you have benefited from advice on the forums

 

 

This site is run solely on donations

 

My advice is based on my opinion and experience only. It is not to be taken as legal advice - if you are unsure you should seek professional help.

Share this post


Link to post
Share on other sites

i'd get an sar off to them too, unless you already know all the charges they have levied on you,

get a claim in, + interest,

charging £10 a phone call! what next,

oh l moved a piece of paperconcerning your A/C on my desk yesterday...that will be £1!!!

 

reclaim the lot!!

 

not par chance got PPI with them have you??

 

 

 

dx


please don't hit Quote...just type we know what we said earlier..

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s would collapse overnight.

 

 

Share this post


Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    No registered users viewing this page.


  • Have we helped you ...?


×
×
  • Create New...