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What's the best way to utterly stiff Welcome Finance

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Hi all,


Welcome mucked me about with a much need loan increase over the course of the last 10 weeks and would like some advice on whether I can make their company life difficult.


Before you all start, yeah, I know, I shouldn't have gone and done more business with them but they were offering the top-up at the time, it was affordable.


So after delaying loads of stuff, they said last Thursday that I was no longer eligible for the loan due to a change in lending policy that meant as my current loand hadn't been in existence for 6 months, I couldn't ask for another top-up.


Apparently this new policy came in about a week and a half ago.


They're getting stung anyway as pulling the loan at the last minute has left me in a financial pickle (detailed elsewhere on this forum) which means they will have to jump through the same hoops for their money as they've made me jump through for nothing.


I see they're about to go under so that might explain the "change in lending policy".


Any thoughts on whether a complaint would be upheld would be gratefully appreciated.


Thanks in advance.

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Hi Robbie ship,


to be honest I am suprised you weren't told earlier that they weren't lending as even our local branch since the beginning of this year. do you by any chance have it in writing about the stopping lending if a loan is less than 6 months old?


to be honest I have no idea if a complaint would be upheld, because its further lending and I think it will be seen as your fault for getting in trouble if you were relying on something you hadn't been given yet.


someone else will able to advise you better on that subject, I am sure

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Thanks for your reply, The Wife.


You're probably right about it being my fault for depending on them but it's not so much that that I want to focus on. More the fact that they mucked about for 2 months before telling that they'd just brought in a policy of having accounts wait for 6 months before being due a top up.


Unfortunately, I don't have this in writing. I didn't even get an application cancellation letter. Wouldn't be suprised if the they messed up again and the money showed up in my account (wishful thinking at this point in time).

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I didn't know you get application cancellation letters!!!


I'd be more concerned that the money doesn't turn up in your account but you still get charged for the loan!!!


I am not blaming you for relying on it, I think at some point in our lives everyone has waited for money form one source or another only for it to either be late or not show up...


If I were you, if these cancellation letters or letter of refusal to loan are standard then ask for a copy to confirm the refusal of appliacation dated (when you originally applied) so you have proof should another account number amazingly appear.


I am sure others will eb able to advise better

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Welcome haven't been lending for months so I'm surprised that they even told you they would - there is really no complaint you could make I do not think as until the loan is officially accepted and the money transferred they have done nothing wrong - I believe welcome are calling this 'due diligence'

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Yeah understood and I agree.


As for the cancellation letter, this was about a year ago. I applied fora top up and then got a letter saying something along the lines of "sorry, your application has been refused - please write a letter to such and such and we'll tell you why".


Not to worry, said financial pickle isn't looking as dreadful as first thought. Still going to be ball-ache to sort out but that's another matter.

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