Welcome Finance - Is This Enforceable??

[postggj]

Ime Sure I Can Dig Out A Letter To Suit This Case

[postggj]

very good letter

 

interested in the 14 day cooling off period and wave your rights if reply with in seven days

 

not sure on that

 

the law is quite specific

 

14 days with no contact, even if you reply, they should ignore you

 

 

ime going to phone my pal in the fos

[postggj]

The correct procedure

 

With any contract or sale which is concluded away from the trader’s normal business premise, you must be sure you have 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.

[postggj]

i think its smoke screen and mirrors again by welcome

 

just spoke to my pal at the fos and he is getting back to me

 

his exact words were

 

NEWS TO ME

[postggj]

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

[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

[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

[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

[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

[postggj]

Sorry Keep Missing You

 

Ill Dig It Out

[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

[postggj]

it is

 

need to get the corect legislation right before i send it

 

hitting the books as we speak

[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

[postggj]

yep

 

ime going to have to put it into a language even welcome can understand

it took me a while

they will be specific questions and i will be wanting to know why welcome are trying to pull the wool over your eyes with there reply which they know is rollocks

[postggj]

Ime On It As We Speak

 

Check When You Get Up In The Morning

[postggj]

Thats Most Of Welcomes Customers

[postggj]

Just Dropping In

 

The Guide Lines By The Fla Mean Squat

 

They Are Not An Official Body With Any Poweres

They Are Paid For By Subs From The Likes Of Welcome Etc

 

Any Reference To The Fla,

Give It The Contempt It Deserves

 

Cant Claim Back Charges On A Closed Account

 

Poppy Cock

 

 

What Happens Now Is An Allocation Questionaire Will Be Sent Out

 

WE THEN ASK FOR UNDERWRITING SHEETS AND WELCOME ELITE BROKERS

WATCH THE CRAP HIT THE FAN THEN.

THEY MAY SAY SOD OFF, CORPORATE SENSATIVITY TO YOU, BUT NOT TO A JUDGE

 

I Would Also Send Into The Court A Skeleton Agreement Listing All The Relevent Info In A Shortened Version For The Judge

 

Did You List Things Like

 

Mif

Acceptance Fee Etc As An Illegal Charge Or Just The Penalty Charges

 

Its Early Days So It Will Be Down To Directions From The Judge

 

 

Welcome Will Take It To The Wire So Stand Tough

 

Ome With You 100 % On This

 

DID WELCOME ISSUE A COUNTER CLAIM AND IS A MR P OR A MR O DEALING WITH THE CLAIM

Edited November 12, 2009 by postggj

[postggj]

You Have Now Joined An Elite Crew Of People Who Have Had The Balls To Take Welcome On In Court.

Hats Off For That

 

We Just Wait Now For The Allocation Questionaire

 

I Think Thats Going To Cost You 150 Quid Though For Small Claims

 

Thats The Last Payment Though But You Will Get It Back

 

Oh, And Not Forgetting 30 Hours At £9.25 An Hour That You Will Charge In Legal Fees To Begin With

[postggj]

evening all

 

sorry to be ignoring you all but been on the sick

 

back up to strength now

 

keep posting andif urgent send me a pm

[postggj]

hi emanevs

 

still about

 

catch up in a few hours

 

regards

[postggj]

see you looking in stephen

 

this biz with southern pacific loans judgement in november

 

ive asked this question before

 

is that judgement retrospect

 

ie

 

can it be used as a binding judgement for agreements before november 2009

[postggj]

but is the judgementy retrospect

 

can it be used for agreements prior to november 09