Welcome Finance hassling me!!

[djwigster]

They are indeed muppets.

 

Have you carried out the threats in the harassment letter you sent (reporting them to ofcom etc etc)? If not, it may be worth doing this and sending Welcome a copy of any letters sent so that they know you mean business.

 

Any other ideas out there?

[postggj]

Who Are Making These Calls

 

Local Office

Nottingham

 

They Can Add A Million In Charges

 

Account In Dispute

 

Bog Off Welcome

 

I Would Record And Start Making A Diary Of Date And Time Of These Calls

[pwg6565]

It seems they cannot resist adding the charges without reason to be honest. i have been charged £ 10 for call charges when they did not even speak to me and when they called me to tell me they would be calling at some stage to discuss my complaint. Top it off they never called to discuss it !!! I have also had charges of £ 25 for direct debit cancellation which they themselves cancelled !!! Muppets indeed...

[mazbck]

They seem to be coming from Customer Compliance and its a 0845 number.

 

Im lucky enough that my mobile phone keeps a note of all calls, with the time and date, and Ive put the number onto my 'REJECT' list on my mobile, so when they call it goes straight onto my answer machine, but they never leave a message!

 

Ive requested everything in writing, just because I know how bad WF are, but also I'm on so much medication I can't even remember what my OH says to me 10 minutes ago.

[emmilou1]

When our local branch calls us it comes up as 0845. It's usually the local branch that hassle people.

[SPEAR39]

Hello, its my first post.

My payment to Welcome was due on the 25th Sept. I can only pay it on Monday 5th October. They have rang today saying I must pay something today or they will issue a notice of intent. Can they do this? They were extremely unpleasant on the phone. Any advice please?

[sillygirl1]

If they do issue a Notice of Intent technically they should give you 14 days to rectify any alleged arrears, which clearly you will be able to manage. Don't let them bully you into paying 'additional sums' or 'rewriting the agreement'.

 

How old is your loan and how many payments have you made/missed over the years.

 

They are getting desparate for cash and hopefully won't have long left in the market.

[pwg6565]

Hello Spear. First of all do not let Welcome bully you on the telephone, they have no right to treat you like that. You are the customer. It is not against the law to have financial difficulties and the next time make them aware of that. I am sure if you explain the type of account you have etc on here one of the more experienced people will help and good luck. Starting your own thread is the norm.

[SPEAR39]

Thanks,

The loan is over 9 years and I have been paying it for 2 and a half. I not in arrears but my wife cancelled the DD so I could start paying it for her. They phone all the time asking what have I done with the payment and why have I not paid it.

[postggj]

Hi Spear

 

I Take It This Is A Secured Loan And Not Car Finance

[SPEAR39]

Yes, forgot to mention. Its secured. I dont have a problem paying it butits the attitude that gets me. They are so rude and nasty. They have no regard for people.

[mazbck]

They once called me when I was in the hospital, and my daughter took the call, she told them where I was, and all they asked was when will she be out!!!!! They were patronizing and arrogant.

 

Just back today from seeing my specialist, and so far *fingers, toes and anything that can cross* they havent called yet!!!!

 

Our local branch in Aberdeen closed at the start of September, so I know its not them calling.

[SPEAR39]

Let's hope you have no more bad new's. I'm going to turn my phone off and they can wait till Monday for their money!

[mazbck]

Oooooooooooooops, spoke too soon!!!

 

Another call from the muppets at 14.32, Im just glad it goes straight onto answer machine as I havent the energy to cope with them just now.

[mazbck]

Wow, a whole 24 hrs without a call from WF!!!!

 

Methinks they got the other letters sent, and found someone in Nottingham that can actually read and understand the English Language!

[T2upNorth]

hmm, their commission structure means they call hard in the 2 weeks up to the end of the month, then play solitaire for 2 weeks. I have that from the mouth of one of their "agents"

[SPEAR39]

I'm readey for the muppets today. Thanks for the advice on this site you have been a great help. Its a shame we have all had bad experiences with these people.

[mazbck]

Found these as I was clearing out some paperwork, the first one is the original I got back when I first took the loan out in NOV 07, and the second is the 'rewrite' last July I think it was.

 

Can anyone have a look see what they think?

 

I just cant seem to get my head round the figures, also remember I was rejected for the insurance and there has seemingly been a partial refund according to the Direct Group.

 

WF NOV 07 picture by mazbck - Photobucket

 

WF rewrite picture by mazbck - Photobucket

 

I am also waiting for the SAR to come through someime within the next 10 days hopefully.

[mazbck]

bump

[mazbck]

Another letter in today, asking me to call them, and they state they all well within their rights to call me, even though I have written to them asking them not to.

 

No mention of the the CCA which had been requested, just asking me to call them ASAP to discuss the arrears, and could I please send them a I & E?

[maybelline]

sorry not read all your thread, but you dont have to take their calls, send the harrassment letter, take a note of all the times dates etc that they call, they can write to you instead. complaint to trading standards, OFT, FSA, anyone you can, but dont expect finance and leasing assoc if they still put up with this lot, to do anything, maybe some have had luck with them?

 

http://www.theregister.co.uk/2009/02/26/debt_collection/

 

have a look at this, see how much British Gas had to pay for harrassing customer!

 

I suggest WF back off.

http://www.bailii.org/ew/cases/EWCA/Civ/2009/46.html

and here is the ruling!

Edited October 3, 2009 by maybelline

[maybelline]

Lord Justice Jacob

' it is one of the glories of this country that every now and then one of its citizens if prepared to take a stand against the big batallions of government or industry'

 

love it

[mazbck]

Three telephone letters already gone to them, now Im sitting tight waiting for my SAR to come through!

[SPEAR39]

Maybelline,

 

Classic quote, its a pity more don't stand up to these thugs!!

[mazbck]

bump

 

Can anyone have a look at the 2 original agreements Ive posted on no 68 to see what they think of them