Welcome Finance - Is This Enforceable??

[postggj]

Did Welcome Send You Anything About Being Able To Cancel With In The 14 Days

[emanevs]

did they el

[postggj]

Well Thats One Thing To Demand From Compliance

 

Check Post 15

 

Unless They Have A Copy Which Is Date Stamped, They Wont Or It Would Be In Your Sar

 

Happy Days

[emanevs]

so, write back to them, and ask them for a copy of the document (WHICH IS STAMPED):

 

"....been presented with clear written notice of your right to cancel, at or before the time the contract is made. If you have not, the contract is legally unenforceable.

 

This notice, which cannot be in the form of small print, or otherwise disguised, must also provide a cancellation form and advise you on how and to whom a notice of cancellation is to be made. You can use the cancellation form provided or a simple written notice, as long as it is clear of your intentions. And as long as you have posted your notice of cancellation before the end of the cancellation period, it doesn’t matter when it is actually received. For this reason, it is always advisable to send it recorded delivery.

 

THEY HAVE STATED ON MY AGREEMENT THAT I HAD NO WRITE TO CANCEL?

[emanevs]

surely, I dont need to show em all my cards about the MIF, Acceptance fee, unenforcablity etc???

 

I thought I had explained my position in my letter.

 

How do I take it to the FOS OR COURT?

 

They also say in their letter they are still going to ring, and visit??????

[postggj]

Ime Hoping The Fos Get Back To Me By The End Of The Day Or Tomorow

 

We Will Hit Them With Legislation

 

Ref The Cancelation And No Rights To Cancel Is Rollocks

 

You Are Covered By The Distant Selling Regs As It Was Done Away From Welcome

 

Ill Do A Dynamite Letter For You And We Will Give Them 14 Days To Comply

 

You Have Backed Them Into A Corner For Which They Cant Get Out

[postggj]

They Cant Phone And Visit

 

Keep That Letter Safe

 

Its Rollocks And Evidence

[emanevs]

Ta Postggi, Cant Wait For That Letter!!

[postggj]

Remember

 

They Have Been Found Out And Cantconfirm It

 

Notice In The Letter He Was Content On Quoting The Cca But When It Came To Cancelation, No Legislation To Back Up His Claim

[postggj]

was the secured loan application signed by welcome when you received it

 

please say no

 

what date is on the agreement when welcome executed your sig and whats the date of your sig

[emanevs]

aye, the sooner we put them to bed the better.

[emanevs]

NO.

 

This is the good bit.

 

we signed 01/11/05,

 

THEY SIGNED 10/11/05

[emanevs]

and in our statements, gave us a 'loan' for £27,985, not a mortgage and not for £25,000 as we signed for.

[postggj]

as i thought

 

they are talking rollocks

 

also

 

i have been going ove the cca ref canceling agreements

 

i cant find this 7 day thing they are quoting:D:D

[emanevs]

thank you lord!

[emanevs]

Hi Postggi,

 

Any news on that dynamite letter?

cheers

[postggj]

Sorry Keep Missing You

 

Ill Dig It Out

[emanevs]

no worries,

[HE WHO DARES WINS :-)]

Sorry to hi-jack this thread - just trying to get hold of Postggj.........

 

Post is there any chance you can have a look at the docs i sent you .......i know you are super busy but i could really do with your help on this, if you need me to e-mail them to you again let me know.

[postggj]

[your address]

 

 

 

[their address]

 

 

[DATE]

 

 

 

Data Protection Act 1998

Subject Access Request

 

 

 

Dear Sir/Madam

 

 

ACCOUNT NUMBER: xxxxxxxxx (or multiple numbers if more than one account)

 

 

Please supply me with copies of all the data which you hold on me in relation to any matter and in any form and for any period of time.

Please note that I require disclosure of any personal data which you hold on me for the entire period of my dealings with you.

The Subject Access is not limited to my transaction history and it is not linited merely to 6 years of historical information.

Additionally, where there has been any event in my account history over this period which has required manual intervention by any member of your staff, or any other person, I require disclosure of any indication or notes which have either caused or resulted in that manual intervention, or other evidence of that manual intervention in relation to my financial business with you.

I require all information on details of all insurance products supplied by welcome financial services. This is to include the statement of means, statement of price, details of all insurance premium tax paid, and underwriting sheets.

If mortage indemnity insurance has been added to the agreement, i require all details on who this premium was paid to, and who underwrites this insurance.

 

If you are unable to supply this data because there has been no such manual intervention, then please be so kind as to confirm this in your response.

 

I enclose the statutory maximum fee of £10. You have 40 days in which to comply. Furthermore, if I discover that you have levied disproportionate penalties or charges which are invalid under the Unfair Terms in Consumer Contracts Regulations against me, then I shall be reclaiming them together with any interest charges which you have levied on them.

As it is your wrongdoing and mishandling of my account which has created the necessity for this Subject Access Request, I shall also be reclaiming the enclosed £10 DPA subject access request fee.

 

If there is specific information which you require in order to satisfy yourself as to my identity, please let me know by return. However, please note that the above address is the one which you normally use to communicate my private business to me and which you have hitherto found to be acceptable.

I would be happy to collect the Data from my local branch.

 

 

Yours faithfully,

 

 

[signature]

 

 

[name]

 

 

this needs to be sent recorded to this address

 

welcome financial services

compliance

ruddington fields business park

ruddington

ng11 6nz

[postggj]

ill do a letter later to refute there seven day rule to cancel the agreement

 

put the two letters together and keep the sar on file till needed

[emanevs]

who's letter is this one?

 

Is it the Dynamite one you promised postggi??

 

many thanks,

[postggj]

it is

 

need to get the corect legislation right before i send it

 

hitting the books as we speak

[emanevs]

Ive sent the subject access request?

[postggj]

no wories

 

the sar i posted i did myself as it asks for things welcome dont like

 

the first one is good enough though that you sent