Welcome Finance - help, what shall I do next?

[Dustyd]

Hi everyone,

I am, like many of you in dispute with WF. It's because in 2006 I took out an unsecured loan for £3000, then in 2007 topped it up by £1600, however they lumped on PPI this time which was not on the original loan (PPI £1400) without my knowledge. In fact it wasn't until I SAR'd them that I became aware of this - the monthly payments are currently £290. I have paid back just under £6000 to date, although after a period of unemployment I am now in £900 in arrears, and as I am sure many of you will know the settlement figures are totally bewildering as mine is currently standing at £5700 - so that's a total of £11,700 to repay £4600 originally borrowed.

My original dispute was missold PPI, and I raised an official complaint in March of this year. When I didn’t received any response by mid May, I again wrote to complain, and in protest told WFS I was now going to stop making full payments and in protest and as a “gesture of goodwill” £100 per month (all signed for delivery). This alerted their local office, who continually called me while I was at work, and even called at my house while I was out. When I eventually spoke to them, they said that if my complaint was PPI, I should make payment less this, which equated to £215 per month. I declined this offer and said unless they refunded the PPI in full, and all it’s accrued interest which is impossible to work out by me, I would continue to make only £100 per month payments.

To my surprise the day I had this conversation with WFS local office, that evening at 9:30 the local branch’s manager hand delivered copies of my paperwork to my home. He didn’t knock, and I only know it was the manager as the offices called me the day after and asked if I had received the paperwork, and informed me the account was “going out of branch” for collections – whatever that means. At this point I hadn’t inspected the paperwork.

Upon inspection of the hand delivered paperwork, I discovered a piece of paperwork that I had not seen before, this was a breakdown of the loan, a clear table showing the loan element and the PPI element, and to my absolute horror in my opinion had a poorly copied signature of mine, which was actually dated 3 days later than the rest of loan paperwork!

The day after this, I received a letter from WF head office, saying they will respond to my PPI complaint by the end of July. I have countered this today, and written to the particular person handling my complaint to ask for a full investigation into my opinion forged paperwork, and show them the copies I have received which is clear to see in my opinion is in totally different handwriting, especially the date which is in a total different format all together. My family tell me also to call the Police and report this as fraud, although I don’t know how seriously they will take this – anyone got advice on this?

Also, what I am really worried about is what will happen next with the account going “out of branch” for collections. Does anybody know if they will try and take me to court quickly for arrears and under-payments, and turn this unsecured loan into a CCJ and then turn the debt into a charge on my house, which happened to a friend of mine last year with another company. Please let me know anyone who has any advice to help me with this unravelling nightmare.

Thanks,

Dusty

[KPRHERO]

That actually sounds pretty messy. These guys will be able to help you out no issues.

[postggj]

Hi Dusty

Xcuse The Pun

 

Welcome

 

Ive Got To Be Careful What I Say On This One

 

I Had Welcome In Court And I Questioned A Signature.

 

I Got A Graphologist Report And What I Can Say Is

 

It Scared The Hell Out Of Welcome.

 

 

It Has Been Documented On Cattles Share Dealing Forums, Thats Welcomes Parent Company Of Wide Spread Fraud To Keep The Figures Up.

 

Directors Have Been Suspended And A Wide Spread Internal Fraud Investigation Is Going On

 

 

The Norm Is For The Client To Take Welcome To Court But If Reversed, Welcome Take You,

Put In A Decent Defence And They Will With Draw The Claim

 

To Much Dirty Laundry To Be Aired.

 

I Would Like You To Post The Two Agreements Onto Your Thread,

Deleate Personel Details But Leave In The Figures

 

Google Photo Bucket And Use The Upload Link For Message Boards With Out Thumb Nails Option

 

Also Anything To Do With The Ppi

 

Thats Statement Of Means

Any Commission Payments

 

Yoy Prob Wont Have This As Welcome Neglect To Include It And With Out It, The Insurance Is Invalid

[42man]

Hi Dusty.....quite a story, it could potentially be fraud, can you retrace the forged signature back to one you had used previously ? It would seem evident with your job situation that had you have known if there was PPI you would have made a claim !! (have you tried ?) In the meantime you MUST cancel the PPI....they cannot simply say, carry on paying without it....!!! and i'd definitely report this to the FSA, OFT and your local MP.....(who should support you)...please keep us posted on this, you have made an official dispute, they need to answer this, (from a personal experience they are NOT good at doing this), if they attempt legal action please DO shout....

[Dustyd]

Thanks postggi,

 

I will have a go a doing this today,

 

Many thanks

 

Dusty

 

Hi Dusty

Xcuse The Pun

 

Welcome

 

Ive Got To Be Careful What I Say On This One

 

I Had Welcome In Court And I Questioned A Signature.

 

I Got A Graphologist Report And What I Can Say Is

 

It Scared The Hell Out Of Welcome.

 

 

It Has Been Documented On Cattles Share Dealing Forums, Thats Welcomes Parent Company Of Wide Spread Fraud To Keep The Figures Up.

 

Directors Have Been Suspended And A Wide Spread Internal Fraud Investigation Is Going On

 

 

The Norm Is For The Client To Take Welcome To Court But If Reversed, Welcome Take You,

Put In A Decent Defence And They Will With Draw The Claim

 

To Much Dirty Laundry To Be Aired.

 

I Would Like You To Post The Two Agreements Onto Your Thread,

Deleate Personel Details But Leave In The Figures

 

Google Photo Bucket And Use The Upload Link For Message Boards With Out Thumb Nails Option

 

Also Anything To Do With The Ppi

 

Thats Statement Of Means

Any Commission Payments

 

Yoy Prob Wont Have This As Welcome Neglect To Include It And With Out It, The Insurance Is Invalid

[Dustyd]

Here's the first agreement:

 

http://i583.photobucket.com/albums/ss277/dustyd_2009/welcome_agreement_071206_cag.jpg

 

and the top-up loan of:

 

http://i583.photobucket.com/albums/ss277/dustyd_2009/welcome_agreement_090707_cag.jpg

 

Any help would be appreciated,

 

Thanks in advance,

 

Dustyd

[postggj]

hi dusty

 

give me a few days as welcomes agreements are set in a way to confuse you

 

the first thing that stands out is on the first agreement

 

where is the total ammount repayable

 

means nothing though as your second loan cancels out the first

 

they have got there act togeather on the second agreement but i have struck gold

 

sending you a pm for obviouse reasons

[Dustyd]

Thanks Postggj,

 

I will look forward to what help or advice you can give me on this agreements.

 

Dusty

 

hi dusty

 

give me a few days as welcomes agreements are set in a way to confuse you

 

the first thing that stands out is on the first agreement

 

where is the total ammount repayable

 

means nothing though as your second loan cancels out the first

 

they have got there act togeather on the second agreement but i have struck gold

 

sending you a pm for obviouse reasons

[Dustyd]

Just to let you know, I have today (and it took a bit of finding) found a fraud specialist in graphology who I am sending all my information to (copies) for him to write a report.

 

Thanks for the heads-up on that one.

 

Dusty

 

Hi Dusty

Xcuse The Pun

 

Welcome

 

Ive Got To Be Careful What I Say On This One

 

I Had Welcome In Court And I Questioned A Signature.

 

I Got A Graphologist Report And What I Can Say Is

 

It Scared The Hell Out Of Welcome.

 

 

It Has Been Documented On Cattles Share Dealing Forums, Thats Welcomes Parent Company Of Wide Spread Fraud To Keep The Figures Up.

 

Directors Have Been Suspended And A Wide Spread Internal Fraud Investigation Is Going On

 

 

The Norm Is For The Client To Take Welcome To Court But If Reversed, Welcome Take You,

Put In A Decent Defence And They Will With Draw The Claim

 

To Much Dirty Laundry To Be Aired.

 

I Would Like You To Post The Two Agreements Onto Your Thread,

Deleate Personel Details But Leave In The Figures

 

Google Photo Bucket And Use The Upload Link For Message Boards With Out Thumb Nails Option

 

Also Anything To Do With The Ppi

 

Thats Statement Of Means

Any Commission Payments

 

Yoy Prob Wont Have This As Welcome Neglect To Include It And With Out It, The Insurance Is Invalid

[Dustyd]

I have sent off my info to obtain a full graphology report, it takes about a week and it's going to cost £150, well worth it I feel, and I am pondering not paying them the token £100, as I did tell them it was a gesture of goodwill, whereas I don't think there's any goodwill left now I have found in my opinion that they have forged my signature.

 

As it's gone very quiet on the WF front, I need to start proceedings before they come on to me for arrears and start proceedings themselves.

 

Does anyone know what I need to do to start this?

 

Really appreciate any help on this.

 

Dusty

[postggj]

If Like Me The Graphologist Report Confirms Things,

Watch The Crap Hit The Fan

 

I Saved My Gem And Put It In My Poc At Court

 

It Scared The Hell Out Of Em

 

Result

 

No More Welcome:grin::grin::grin::grin:

[Dustyd]

I am due in court soon with a case against WFS. The court case is regarding how an unsecured loan agreement I had, had PPI fradulently added. I only found this out when requesting a SAR and found a additional schedule contract dated totally different with a signature pertaining to be mine. Which I am challenging with both a qualified hand writing expert, and also hopefully some common sense based as the dating of the PPI schedule versus the loan agreement.

 

WFS had denied this all along, and have tried every angle, doorstep visit, Lewis Group, UK Default Recovery etc, etc. My WFS file is bulging on all their many cross claims and contradictions by them.

 

Anyway, this is been going on for 2 years now, and we are now finally at trial stage on or before 18th December 2010, so it will be interesting to see what the Judge says. Incidentally WFS have missed the deadline for pre-trial checking 2nd November 2010, so it'll be interesting what the judge says regarding this. I should know in the next few days and I am claiming in excess of £7k so wish me luck.

 

However, the reason for the post is to alert other WFS sufferers to a new strategy WFS have called "The Project" under the guise of the "Brideshead Team".

 

The are already up to underhand tricks, sending post dated letters offering PPI refunds, as an example mine was dated 18th October 2010 and yet arrived some 9 days later 27th October 2010, and yet offering the nearly £3k PPI refund with a strict 14 day response deadline accompanied with a pre-paid 2nd class envelope, specifically designed in my opinion to miss a response deadline anyway, even if it was correct!

 

As it happened their figures were stotally mis-calculated anyway (short of my actual paid PPI by some way), and they even claimed I still owed them money, abeit they did get a same day response from me sent recorded delivery putting them straight on this matter.

 

Today, (11th November 2010) I have received a further letter "our records show, you have not returned the acceptance form cofirming whether you accept our final decision (re PPI refund)" it goes on saying you can call their team etc with an email address also [email protected]

 

I checked with Royal Mail, all signed for at their end, so an email with all attachements batted back over to them today via the email address given. Proving it was received and they are the ones using these underhand non-response tactics, which hopefully can help compound my court case

 

It really is shocking that if Cattles are truly trying to straighten their loan book to either sell or re-launch the business, plus trying to work out what actually is legit or not, and what has been buiried by ex WFS staff whilst their business was in carnage, then surely "The Project" team then should not act like similar Monkey's (probably the same ones who are left) trying to trick customers out of PPI refunds, denying responses and basically blatantly telling lies to suit what must be their sales new targets.

 

I feel despite everything else that is going on with me v WFS, additionally I feel the FSA, the FoS, the Chairman of Cattles, Trading Standards Nottingham, ehe Government and anyone else who CAG readers feel should know are going to receive a campign from me to clean their business up for once and all.

 

Dusty

[rebel11]

Hi Dusty

 

Good Luck, hopefully a swift victory, it sounds like their Shenanigan's will back fire. Let us know what happens.

[dadofholly]

Yes i have had an offer from the project - or in house crap cleaners as they should be called.

 

The offer is crap - calculations are incorrect - charges they have added because i refused to pay for the PPI that they now admit was missold are still being added.

 

Have told them to foxtrot oscar - will calculate it and take it to court myself.

[bigegg]

My payment arrived from "projects" this morning - 5.5K

Letter to FOS on monday regarding the rest of the 20K I reckon they owe me.

[winston73]

Just browsing the net and found this bit of info http://online.hemscottir.com/ir/ctt/ir.jsp?page=news-item&item=520650968015468

[MrZ]

I am due in court soon with a case against WFS. The court case is regarding how an unsecured loan agreement I had, had PPI fradulently added. I only found this out when requesting a SAR and found a additional schedule contract dated totally different with a signature pertaining to be mine. Which I am challenging with both a qualified hand writing expert, and also hopefully some common sense based as the dating of the PPI schedule versus the loan agreement.

 

WFS had denied this all along, and have tried every angle, doorstep visit, Lewis Group, UK Default Recovery etc, etc. My WFS file is bulging on all their many cross claims and contradictions by them.

 

Anyway, this is been going on for 2 years now, and we are now finally at trial stage on or before 18th December 2010, so it will be interesting to see what the Judge says. Incidentally WFS have missed the deadline for pre-trial checking 2nd November 2010, so it'll be interesting what the judge says regarding this. I should know in the next few days and I am claiming in excess of £7k so wish me luck.

 

However, the reason for the post is to alert other WFS sufferers to a new strategy WFS have called "The Project" under the guise of the "Brideshead Team".

 

The are already up to underhand tricks, sending post dated letters offering PPI refunds, as an example mine was dated 18th October 2010 and yet arrived some 9 days later 27th October 2010, and yet offering the nearly £3k PPI refund with a strict 14 day response deadline accompanied with a pre-paid 2nd class envelope, specifically designed in my opinion to miss a response deadline anyway, even if it was correct!

 

As it happened their figures were stotally mis-calculated anyway (short of my actual paid PPI by some way), and they even claimed I still owed them money, abeit they did get a same day response from me sent recorded delivery putting them straight on this matter.

 

Today, (11th November 2010) I have received a further letter "our records show, you have not returned the acceptance form cofirming whether you accept our final decision (re PPI refund)" it goes on saying you can call their team etc with an email address also [email protected]

 

I checked with Royal Mail, all signed for at their end, so an email with all attachements batted back over to them today via the email address given. Proving it was received and they are the ones using these underhand non-response tactics, which hopefully can help compound my court case

 

It really is shocking that if Cattles are truly trying to straighten their loan book to either sell or re-launch the business, plus trying to work out what actually is legit or not, and what has been buiried by ex WFS staff whilst their business was in carnage, then surely "The Project" team then should not act like similar Monkey's (probably the same ones who are left) trying to trick customers out of PPI refunds, denying responses and basically blatantly telling lies to suit what must be their sales new targets.

 

I feel despite everything else that is going on with me v WFS, additionally I feel the FSA, the FoS, the Chairman of Cattles, Trading Standards Nottingham, ehe Government and anyone else who CAG readers feel should know are going to receive a campign from me to clean their business up for once and all.

 

Dusty

 

Hi Dusty,

 

Did this actually go to court? Any updates?