Welcome Finance hassling me!!

[mazbck]

I got a loan 2 years ago, and due to ill health had to give up work, the PPI was rejected as I wasnt entitled to incapacity benefit due to not enough contributions.

 

I manage to renegotiate my repayment and got them reduce to a third of the amount. Unfortunately 8 weeks ago I took seriously ill again, and I have no income coming in apart from ESA. Ive explained this to my local branch, but they are demanding proof I have no other income and want 6 months bank statements from me and my award letter.

 

They are now calling 4-5 times a day, and every phone call is running up to a £25.00 charge. Ive written to them, asking for any correspondance to be in writing, but they are still calling me.

 

Last one was 2 hours ago, as Im sat in the doctors office waiting to see a specialist after recieving bad news about my health this morning!!!

 

What can I do next.

[mazbck]

Hi all, Im new to this site today and wondered if anyone could help me.

 

I have a small unsecured loan with WF, and 3 months after I took it out I had to make a claim in the insurance, but that was declined as I wasnt getiing Incapacity benefit, but only carer's allownace.( I hadnt filled in the correct bit, and by this time I was in arrears)

 

I renegotiated with local branch here in Aberdeen, and was managing fine until 8 weeks ago when I had to give up my wee part-time job due to severe ill health. But even before this when I let the branch know that I had a job and wanted to change my DD date, they were calling me up at work 3-4 times a day, just after the payment was due, and I gave it to them over the fone.

 

I wrote to them and asked them to stop calling me at work and durign office hours, as this could lead to me losing my job, whcih wouldnt do them any good!!!

 

Anyways back to 8 weeks ago, I let them know what was happening, and I managed to make 1 months payment, but this month Im struggling even to pay the gas & electric etc.

 

So far this month Ive had 11 calls from them, and each call racks up a £25.00 charge, even though I asked them no put all correspndance in writing. The last one being today, when I was sitting wating to see a specialist in the hospital after some bad news, and I think I swore quite badly at the lassie!!!! OOOOOPS

 

Tehy are now asking for proof of income, ie benefits etc and 6 months bank statements from me!!

 

I have a meeting with the money advisroy in the Tradign standard dept of the council next week, but just wondered how can I stop them calling me all the time.

 

The stress is making my illness worse.

[dx100uk]

well you really need to do some reading in this forum.

you are not alone.

now there are other things afoot with welcome that could see everyones trouble evaporate according to the chatter in this business wires at present.

 

anyhow.

 

right these charges, reclaim them, they are unlawful & against OFT guidelines.

 

as for the telephone harrasssment

there is a template letter for that just see the homepage or the temple/library section.

 

one final point:

NO creditor has any LEGAL RIGHT to know ANY of you financial goings-on.

don't tell or give them anything, well tell them to b*gger off if you like

and stay off that phone!

just refuse to answer their security questions.

 

do some reading ....really.

the more the read the stronger you become

 

welcome finance are by far one of the worst co's ever known to CAG

 

dx

Edited July 17, 2009 by dx100uk
typo

[42man]

It would seem that the payment protection wasn't worth the paper it was written on....a dispute letter to reclaim the PPI stating that you are of the opinion that the so called insurance was useless and that you want this repaid + interest.....

[42man]

If you have previously had PPI with Welcome then make a claim for that also....

 

As for the harrassment...send this by recorded delivery along with your dispute letter -

 

 

Your Street

Town

City

Postcode

DATE HERE

Company Name

Road

Town

City / County

Postcode

 

Re: Harassment by telephone

 

 

ACCOUNT NUMBER: XXXXXXX

 

Dear Sirs

 

I am writing in relation to the quantity and frequency of telephone calls that I have received from your company, which I deem to be personally harassing.

 

I have verbally requested that these stop, but I am still receiving calls. (Delete if necessary)

 

I now require all further correspondence from your company to be made in writing only.

 

I am of the view that your continued harassment of me by telephone puts you in breach of Section 40 of the Administration of Justice Act 1970, and the Protection from Harassment Act 1997.

 

If you continue to harass me by telephone, you will also be in breach of the Communications Act (2003) s.127 and I will report you to, FOS, OFCOM, Trading Standards and The Office of Fair Trading, meaning that you will be liable to a substantial fine.

 

Be advised that any further telephone calls from your company will be recorded.

 

 

Yours faithfully,

 

 

 

[NAME HERE]

.

[postggj]

The Normal Excuse For Not Paying Out Is That You Need To Be Claming Job Seekers, Along With Every Outher Excuse.

 

Not Up On Benefits

I Take It Carers Allowance Is Paid By The State

If So, The Claim Is Valid

If You Were Not In Arrears When You Made The Claim, Welcome Are Talking Rollocks As Usual

 

did The Rejection Letter Come From Welcome Or Direct Group

 

Or Did Welcome Say It On The Phone

 

 

WHAT DO YOU THINK 42MAN

[mazbck]

The rejection came from on the guys in the local office on the phone. When i re-negotiated i dont think there is PPI on it at all, I will need to look at the agreement again.

 

I know Im owe them money and have asked them for some leeway just now while I get my health sorted out.

 

I just wish they would stop calling me, 3 calls this morning so far that I havent answered. 1st one was at 8.25am!!!!!

 

Ive got to see the money advice people at trading standards next week, and they said they were going to look through all the paperwork Ive gotten from them.

 

Ive printed off the letter about harrasement, and will get that away by recorded delivery today.

[postggj]

you telling me the muppetts at the local office said on the phone about the ppi being invalid

 

thats the last straw

 

all claims ref ppi and welcome are delt with by direct group

 

phone this number

 

Direct Group - Where Insurance and Innovation Combine - Home Page

 

be casual and ask if they have any details on you ref ppi etc

if they do, get them to send it

if not, update your thread asap

 

there is a reason for this

 

i know welcome are the lowest of the low but i am livid:mad::mad:

[postggj]

if direct group have your details

 

get them to send you a claim form

[mazbck]

Could I even claim for the PPI even if it is over a year since I renegotiated?

 

Also spoken today to Trading Standards and the branch up here is being investigated by them for harrassment and bullying!!! the guy would give me any details, but just added Im in a long line of complaints against them that they were looking at.

[postggj]

please call direct group from the link above

confirm that they do have your details

 

its important

[mazbck]

They have said I had a policy that was 'partially refunded' and never had a claim against it!!!

 

They cant send out a copy to me as it was partially refunded.

 

This is news to me, as I was told it was cancelled by Welcome when I had some arrears, that led to the renegotiation.

[postggj]

simples

 

there you have it

sorry for pushing you

 

THEY CANT SEND OUT A COPY ROLLOCKS

 

ILL BE BACK ABOUT 7 TO SORT THIS FOR YOU

[mazbck]

Thanks guys, when I spoke to Trading Standards today and mentioned Im on this forum, he was full of praise for it!!

[Forsure]

Thanks guys, when I spoke to Trading Standards today and mentioned Im on this forum, he was full of praise for it!!

 

and so he should have !!! This forum is fantastic !!

[postggj]

rubish

[mazbck]

Whats Rubbish??

 

ANyway will the letter that I have sent off to the head office stop them calling me at the moment, until I can see the Trading standards.

[mazbck]

Its just occurred to me as well after reading another post, that when I got the payments reduce, and I think they took out another loan to cover etc, that the rep in the local branch asked for my husbands wages, even though the loan was completely and solely in my name.

[sillygirl1]

Don't let the branch bully you, claim everything back from them that is claimable, Welcome are on very dodgy ground and have a huge 'financial black hole' in their 'creative accounts'.

 

I was told by a little bird that the staff at Welcome had their salaries reduced to the minimum wage level and their commission increased... don't know how reliable that info is though, the local branch here seems to just be a 'postal address' and is visited once every couple of days.

[mazbck]

Just had a letter from tham saying that since the last DD didnt go through as I cancelled if after telling them I was struggling, they have added £25.00 onto my account that needs to be paid immediately.

 

3 more phone calls today from them as well. I have a note of all the calls, as my mobile lists them along with dates and times.

[dx100uk]

do as in post #7

 

dx

[mazbck]

Urgent help please,

 

2 welcome reps just been to my door, I said I wasnt allowed to talk to them, and closed the door on them. I locked the doors and they kept banging for 10 minutes.

 

Im totally shaking here, Im in the house with my children as hubby is at work.

 

theyve left another letter marked urgent and no doubt will add a load of charges onto my account.

 

They should have had the letters about putting everything in writing as they were posted 1st class recoded on Thursday.

 

What do I do now.

[dx100uk]

sent them the no doorstep visitors letter from the DCA templates section

they have NO LEGAL POWERS

and should not no longer worry you like this after the above letter

 

just tell them to go away or you wil call the police.

they have NO RIGHT OF ENTRY in ANY way shape or form.

 

as for the charges

add them to you list and claim them back.

 

dx

[mazbck]

Doorstep letter away tonight via 1st class recorded, 1 to head office and 1 to local office.

 

Im so glad I live a 5 minute walk from a post office!

[mazbck]

According to the letter, I have arrears of £315.06, and I know I only missed 1 month payment(1st July) of £105.02. So according to WF, Ive amassed charges of £210.04 in 20 days. £10.50 a day!!!!!

 

The more I think about it the angrier Im getting actually.

 

I went to them in the beginning when my health started deteriorating and explained the situation, but now they are just committing daylight robbery and stressing me! They are no more helping me than a chocolate fireguard would help.