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anton1

welcome.no reply to SAR or Acknowledgement

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hi there everyone.We(wife annd i) recieved a statement back in may with regards our welcome loan.Its the first time we have ever recieved a statement and wile I looked at it some of the figures just didnt add up(no suprise there). We only have a year left and i have always argued with them when they sold ppi to us that as i was disabled i would not be protected(usual waffle of no ppi no loan)we tried to cancel(again)8 months ago but they said that it would make no difference to the loan amount and we could not cancel it?

So we receive the,now im no expet but i thought that the AMOUNT OF CREDIT PROVIDED was what we had borrowed with the interest already added but the figures are completely wrong(in my totally unprofessional eyes:-D).So we sent off a SAR(june1) no reply,no acknowledgement:mad:!

40 days are up sent email requesting a reply(no answer)today sent 7 day notice before action template.Should i ring them asking why they have not replied?

Am i right that `amount of credit provided`=total amount of credit including interest?

thankyou in advance for any help or advice:grin:

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hi anton

did you send the sar to compliance in nottingham

 

if you have a copy of the agreement

post it up minus personel details but leave in the figures

 

google photo bucket and use the upload link for message boards with out thumb nails option

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thought i should add that we have just under a year left on the account,never missed a payment. Its just the figures make little sense even to us novices.

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hi postggj, no we sent the SAR to customer relation dep(nottingham),we have no copy of CCA just the loan statement

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does that mean its gone to the wrong place?it did say that if it was sent to the wrong person it should be passed to the right department!

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anto

 

give this number a call

its compliance in nottingham

find out whats going on

 

did you send recorded delievery

 

0845 618 7804

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thanks postggj,yes sent recorded and signed for on the 2nd June,we thought that the statement address would be were we send the SAR:(.

i will give the number a ring to see whats happening

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we pay £244 a month which over the 36month duration equates to £8784.

but the statement says `amount of credit provided`=£5140?

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we will go into the agreement later

 

have in your hand the recorded track and trace number to ram down there throat

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thankyou postggj,will ring them now.

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they have me on hold as they cannot find any records of the SAR being sent????bet im sent to another dep soon;)

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Thats Why I Said Throw The Track And Trace Number At Them

Heard It All Before From These Cretins

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just got off the phone,they have said that there is no record and the operator will speak to her manager and ring me back.sounds distinctly like a fob off to me.have to go pick the wee pixies up from school so i will post back if and when i receive a phone call(hope they dont stick a £10 fee on my account for the call)!!thankyou for your advice postggj

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Give Them The Track And Trace Number

 

The Clock Started Ticking On Receipt

 

Send My Sar With Immediate Effect Or Its Through The Court For Compliance At Full Cost

 

Dont Mess With These Cretins

They Had There Chance

From Now On Its Hard Ball All The Way

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just a quick update,welcome phoned me this morning after i sent a `letter before action`.they apologised for the delay and all the information i requested will be here on friday.i will post up when it arrives.thanks again for all the help received the other day.:)

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well after many phonecalls and false promises i have finally managed to get my SAR from welcome!There are a few things that im unsure of so any help will be much appreciated and apologies for a long thread:).

Firstly i have been off work since April and after lots of cancelations my op is on the 25th of this month.We have just under a year left on the loan,never missed a payment and the loan is a top up of our original loan and we did take out lifecare and personal Accident plan.

The first loan was taken out in 2006, 36 monthly payments and 6 months later we uped the loan amount.I cannot see that we recieved a rebate on early settlement of the first loan which seems wrong?especially as the interest would ahve been added over the 3 years and not 6months(if that makes sense).

The second loan is causing me the confusion with APR?On our CCA it states APR(variable) 48.5% then below that it states Rate of Interest 46.8% and then the recent statement in May states 39.00%.Now I know thats in our favour as its lower but something doesnt seem right(complete novice can you guess).New loan agreement below...

http://i576.photobucket.com/albums/ss209/marcog111/100_1155.jpg

Any thoughts especially towards the rewrite and wether we should of had some form of rebate and the difference in APR.

And maybe i should claim on my PAP plan!!!

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you must have a rebate if settling a loan early or doing a rewrite

 

ime afraid its welcome policy to ignore this

 

the muppetts have to give back the commission payments received

 

 

any chance of posting up the two agreements minus personel details

 

as allways google photobucket and use the upload link for message boards with out thumbnails option

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sorry

 

thats old loan agreement

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was your injury a result of an accident

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why have you got two life care 24 on the agreement

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will just load them up now postggj

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the operation is not due to an accident and the lifecare was one for myself and one for my wife

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is the second agreement a joint application

 

does it have both yours and wifes sig

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