Welcome Finance - Is This Enforceable??

[beyondhope]

I really wouldnt post it here jdene we need to keep some things close to our chests

[emanevs]

Absolutely!!

 

thanks everyone,

[beyondhope]

would be good to compare them to see if we have the same

 

I can send you the one essexboy kindly sent me to have a look at if you want to pm me your email

[emanevs]

Hi,

 

My account is in a big dispute with the ****, yet they continue reporting adverse information on my credit files, and they have sent me two default notices. (One was c*ap, other not so bad)

 

Any ideas on what to do, backed up with some legislation???

 

many thanks,

[sprockett]

Oops - I posted a copy of one that they sent in my CCA under my thread Ís this right'- shall I remove it too ..... though would like someone to have a look to make sure it is a secret commission and if it is what do I do about it ..... I'm kinda in limbo at the minute waiting for advice from folks as FSA can't/won't help ......

[jamesf104]

suggest we all keep this well under wraps for time being. Post seems to be well up on this, maybe pm him with this info as i think he is collating al this evidence

[jdene]

Hello all I have requested the underwriting sheets from welcome, and have informed the court that i have a copy of the sheet and intend counterclaiming against welcome for undisclosed commissions, and I think if people have these they should be using them against welcome and start taking them to court on the basis that they have broken the law by accepting and paying secret commissions, I understand the value of keeping things secret from welcome spies but they are of no use to anyone if they are just collected and never tried in court, and without knowledge of what they are being collected for ie. a class action or test case? unfortunately the courts and welcome will not wait for us to decide how best to use the information we have.

and to be fair to post we dont know at the moment if or when he will be back and it is unfair to expect him to shoulder all our complaints, I for one know how valuable his input has been but during this break I have tried in vain to get definitive legal answeres to my questions and have had to simply bite the bullet and throw everything at them in my AQ and directions.

[ruskie]

Hi there,

 

Joining in your thread, i am just about to start applying for my CCJ to be set aside, i have been mis-sold PPI and accident insurance.

 

Would this document benefit me?

How wold i get hold of it?

 

Cheers

[emanevs]

They wont give them to you without an order from the Court. I know this from experience.

 

Obviously something very fishy going on!!!!

[emanevs]

jdene - make a court application if you are taking them on.

[jdene]

I already have the AQ went back today they have failed to supply me with anything I requested in a CPR 31:14 so now that the court process has started I have sent them a CPR 18 but doubt that they will respond to that either, but a copy of the underwriting sheet is with the court in case they ask for proof of why I want the underwriting sheet when I apply for a court order for them to produce it as happened in the past.

[emanevs]

submit an N244, and attach a draft order. i did.

 

fee will cost £40

[jdene]

if secret commissions can be proven against most organisations it is a much bigger club to beat them with than most of thier other crooked little scams, it is viewed as a type of bribe and fraud

[jdene]

to late now but they have told me in the court if they do not respond to my requests I can do an N244 later, I have the draft order for directions with the AQ as well as some paperwork just to show the judge I have good cause to counterclaim

[emanevs]

judge should order disclosure anyway, belt and bracers with the N244.

 

I would and did.

 

This would blow them completely out of the water.

[jdene]

Thank you emanevs could i put it in tomorrow would that matter and ask them to put it with my AQ, my thread is welcome finance secured loan ppi rip off

[jdene]

Welcome secured loan PPI rip off

[jdene]

can some one tell me how to post a link to my thread I am old and incompetent

[emanevs]

open up your link, copy the top line, paste into your message.

[charger1]

Subbing.....

[IdaInFife]

can you explain more on why they are in dispute? and what you have done or sent or received so far?

[emanevs]

I have other threads on the unenforceability of the agreements.

 

What they are doing, is reporting that my account is in arrears, even though I put the account into dispute in June 2009.

 

The complaint is with the FOS, and I am in court with them on unfair charges.

 

While this is going on they are reporting adverse information on my credit files.

 

http://www.consumeractiongroup.co.uk/forum/welcome-finance/220445-welscum-respond-letter-any.html

[IdaInFife]

is all your welcome threads for the same account?

 

it is confusing as you have over 10 threads for welcome, it's always best to keep to the one thread for advice that's why you are not gettting a lot of responses

 

 

re the cra's - at this stage they can report to the cra's although they shouldn't but will especially if they do not recognise your dipute

 

if you are going through court - you should have the cra's entries as part of that or any settlement

[emanevs]

Hi,

 

I hope someone can help with this.

 

Just took the sc*m to court, and they tried to say that they hadnt charged me any unfair charges. The description on their statement says they charged, but the figures show they didnt!!!

 

What I am basically saying is that their statement is mis stated. ie. saying that theres charges, but they are not.

 

Can they do this and does anyone have any legal backup!!!!

[BEBOBEBO]

We have got about halfway through our statement (transfering it to excel) and we have found the same, charges on the statement but none showing in the figures ??