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    • Hi Sweet and welcome to CAG   Are you willing to disclose the employer in this case ?
    • I was the manager of an off license. We reopened on mon 30th, I received a very large delivery which we weren’t expecting (and I wasn’t told about until 2hrs before by my line manager) all managers received a text from regional manager which stated when deliveries are coming in shops are to be closed. He didn’t ring this info in, I just read the text.   When I saw how big del was (completely covered the floor, could barely move around it) I kept my shutters closed and proceeded to pack delivery away. The store remained closed and we lost 5hrs trading time. I didn’t seek permission from manager to do this, with the current safety precautions enacted (only allowed 1 customer in at a time as manadated by HQ) I didn’t feel this could be safely achieved with 3 members of staff in and all the stock everywhere.  regional manger calls into shop at 4:50, hits roof that it’s closed and storms out of shop after exclaiming I didn’t have the authority to keep shop closed.   Fast forward 1 1/2 weeks later today regional manager comes in at 4pm with prepared questions, I answer truthfully stated I didn’t think it was safe I had the best interests of business at heart that I had turned up for work every day since this incident and nothing had been said. He said that they will examine this information and can come back for more evidence if needed.    He goes away again and at 5:59 (my shift finished at 6) he came back in saying they’d examined all the evidence and that their decision was dismissal, I was to gather my things and there’d be a letter in the post with information should I wish to appeal.  quite a shock.   I will see what this letter states as their reasons I committed gross misconduct, I am a bit at a loss as to what I specifically did to be deemed gross misconduct.   I’ve worked for them for 10years, taken 2 days off sick in that entire time and had a faultless record   I’m just flabbergasted they’d immediately sack me for something which happened in unprecedented times when all I was trying to do was keep myself and my staff safe and safely make their store presentable and adequately accessible for all.   Any thoughts on the above? Obviously this is all too fresh as it happened only hours ago 
    • Hi KL1 and welcome to CAG.   You say the buyer contacted you saying, "...... he had seen it cheaper somewhere else and wanted to cancel the sale."   Do you have this in writing and, if so, in what format ?   It would be useful if you could tell us more about the item you sold.    
    • I wanted to report a success against UKPS that started in Dec 2018 and was concluded today.  I did do a bit of reading through this site for guidance though so thanks for that!    in Dec 2018 a family member reversed onto a private road in Coventry and waited about 1 minute or so to collect their partner.  Meanwhile the owner was loitering and waiting to catch anyone on his land with photos.  2 photos were taken about 40 seconds apart.   With my help I disputed the charge stating that the driver had not "parked" but had only stopped momentarily to pick up a passenger.  I did not state at any point who the driver was.   UKPS from Leamington Spa were trying to enforce this and insisted on the charge of £60 + £100 being paid.  I sent a 2nd letter confirming the position of the 1st letter and that no further letters would be sent.   4 threatening letters were sent from Debt Recovery Plus and Zenith Collections and duly ignored.  The last kindly offered to settle for £136!    Then a letter from Gladstones Sols threatening the same was also sent, and mentioned Beavis vs Parking Eye.  This was also duly ignored.   Finally a Letter Before Action was sent by email.  Aha!  Game on.  They cited Vehicle Control Services Ltd v Nick Idle and Vehicle Control Services Limited v Damen Ward and that stopping for any time is a breach, and it was only the length of time stopped that may affect the value of the breach.   I said that signage said no PARKING, not no STOPPING and that appropriate case law was JOPSON v HOMEGUARD where the judge specifically said "Merely to stop a vehicle cannot be to park it"   They then came back at me with an evidence bundle they were allegedly going to use at court against me, stated the signage was clear,  a nd repeated their "no stopping" case   I came back at them with the same as before and added that, in their world, someone coming onto the land and wanting to read the signage would have precisely NO TIME AT ALL to so as, according to them, even stopping for mere seconds was a breach.  I also threatened that I would claim costs for my wasted time in dealing the case.   Today they emailed me as follows: ---------------------------------------------------------------------------------------------------- Good Morning,   Thank you for your correspondence. We apologise for the delay in our response, however as no further action has taken place we trust you agree no prejudice has been suffered.   Please note that our Client has cancelled our instruction on this matter and the matter is considered closed.   No further action is warranted. Kind Regards ----------------------------------------------------------------------------------------------------   16 months on and UKPS gave in  
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pwg6565

Welcome Finance Question.

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I have a secured loan which is only one month in arrears and

 

last week Welcome called me and

said I cannot pay by direct debit anymore as my account is in arrears and

I must now pay by debit card by calling my account holding branch,

this is new company policy !!

 

Has anyone had this happen to them ?

 

I also had this loan re-written last year to benefit me apparently,

would it be a good idea to ask for access to the previous loan agreement paperwork ?

 

Any advice would be very much appreciated.

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I have a secured loan which is only one month in arrears and last week Welcome called me and said I cannot pay by direct debit anymore as my account is in arrears and I must now pay by debit card by calling my account holding branch, this is new company policy !! Has anyone had this happen to them ? I also had this loan re-written last year to benefit me apparently, would it be a good idea to ask for access to the previous loan agreement paperwork ? Any advice would be very much appreciated.

 

 

Yes, absolutely. You need to CCA them for both agreements. Send recorded, don't sign it, print your name, and use a postal order for the £1.

 

They want 2 things - you to call them so they can bully you into paying more, and your debit card details so they can take payment earlier of an amount they choose.

 

Rules of thumb: Never speak to them on the phone, if necessary send the telephone harassment letter. All communications in writing to: Welcome Finance, Compliance, Mere Way, Ruddington Fields Business Park, Ruddington, Nottingham NG11 6NZ.

 

Always keep receipts for recorded postage (and use track and trace) and PO's.

 

Also, do you have PPI etc.? Additional charges on the account? What is the loan secured on and when was it first taken out? If you have any paperwork, post it up via photobucket, after removing all identifying information.

 

Be aware, they may also call from various mobile phones - they don't want the calls recorded.

 

If you need links to th template letters post back and I or someone else will post them up for you.

 

Good luck!

 

T2

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you can pay how you want if they are stating no dd then set up a standing order, they are safer anyway


PGH7447

 

 

Getting There Slowly

---------

 

Advice is given freely but is in no way meant to be taken as Gospel:-)

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you can pay how you want if they are stating no dd then set up a standing order, they are safer anyway

 

 

Good call.

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I have always paid the loans in full until I asked to pay a half payment back in Jan

which was agreed by my local branch prior to the payment being due.

The half payment went through in Jan and

 

 

by the endd of the month I had the branch manger phoning me telling me I was in arrears

and had to pay the full amount or they would default me and re-claim my house.

I complained to head office and recieved a letter of apology shortly afterwards.

 

 

in July I informed Welcome in advance I would have trouble paying the full amount and

they said that they had been told by the F.S.A that they could not accept half payments

and people in financial difficulty must pay the full monthly amount !!

And that is now Welcome company policy.

 

 

I again compalined and was told it was up to me if I wanted to put the account into default by only paying half a payment

and they would not help me.

 

 

I received a letter of apology for bad customer service.

 

 

At the end of July I recieved a call re-setting the direct debit and I recieved confirmation early last week.

Then I recieved the call telling me that they had cancelled the direct debit

and I had to pay by debit card from now on.

 

 

I am sure in previous agreements I have had ppi but not on this current loan

but have never received copies of any agreements I haver had with them

and as I said the re-write last year was Welcomes idea ?

 

 

Also I have only ever received one yearly statement in approx 7 years as a customer.

 

 

Lastly the re-write which is a secured loan on my house is for approx £20,000

and the statement a year later was still £20,000 after 12 months of payments.

 

 

I am sorry I do not have any paperwork to post at the moment as I do not have any !!

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send them a sar for ALL statements and agreements

 

and as for the FSA bit what a load of rowlocks

 

from now on get everything in writing no more phone calls lets see them write that down

 

also check the financial sections in the daily papers cattles are selling welcome off


PGH7447

 

 

Getting There Slowly

---------

 

Advice is given freely but is in no way meant to be taken as Gospel:-)

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I have always paid the loans in full until I asked to pay a half payment back in Jan which was agreed by my local branch prior to the payment being due. The half payment went through in Jan and by the endd of the month I had the branch manger phoning me telling me I was in arrears and had to pay the full amount or they would default me and re-claim my house. I complained to head office and recieved a letter of apology shortly afterwards. So in July I informed Welcome in advance I would have trouble paying the full amount and they said that they had been told by the F.S.A that they could not accept half payments and people in financial difficulty must pay the full monthly amount !! And that is now Welcome company policy. I again compalined and was told it was up to me if I wanted to put the account into default by only paying half a payment and they would not help me. So again I recieved a letter of apology for bad customer service. At the end of July I recieved a call re-setting the direct debit and I recieved confirmation early last week. Then I recieved the call telling me that they had cancelled the direct debit and I had to pay by debit card from now on. I am sure in previous agreements I have had ppi but not on this current loan but have never recieved copies of any agreements I haver had with them and as I said the re-write last year was Welcomes idea ? Also I have only ever recieved one yearly statement in approx 7 years as a customer. Lastly the re-write which is a secured loan on my house is for approx £20,000 and the statement a year later was still £20,000 after 12 months of payments. I am sorry I do not have any paperwork to post at the moment as I do not have any !!

 

 

The FSA said that?! I hope you have that in writing!

 

I think you also need to SAR them, it takes longer and costs £10 but provides a lot more ammo.

 

They don't like to send statements, even though they are obliged to, just in case you read them and realise what they are doing (In my opinion...).

 

I'm wondering if they are trying to "encourage" you to default... might be worth asking Postggj or another of the Welcome gurus to take a look at this....

 

As a matter of interest, do you have the written apologies to post up? Again minus any and all identifying info....

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What a load of crap - is it your local branch telling you to pay by debit card?

 

The posts above are correct - they want your debit card number so they can take what they want when they want.

 

Play them at there own game - either set up a standing order or send them a cheque every month do not give them any card details.

 

Have you checked that they have actually cancelled the DD - not that i'm calling the local branch liars......but if the cap fits........

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I would definitely check the Dd is cancelled. Im waiting on a CCA from them, and just by chance I called my bank and asked if the DD was cancelled, and it wasnt, this was after the local branch telling me it was. My local branch also told me they didnt do SO, it was DD, CHQ, Debit Card or cash!!

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Thanks for all of your advice and I am still not sure what a CCA or Subject Access Request is.

I have been reading this forum for ages so should really know.

I have got letters of apologies but do not have a scanner.

The last was recieved 30th July from Nick Morgan and read.

 

Final Response to your complaint.

 

Thank you for bringing to our attention your complaints regarding the secured loan agreement you have with Welcome Finance.

 

I write in response to the email you sent dated 8th July 2009 where you raised several points which I would like to address.

 

Initially you stated that you had contacted your local branch inAshford to make a long term payment arrangement to clear you current arrears.

You then went on to state that you were advised you were not allowed a payment holiday

and that the FSA had advised Welcome Finance not to allow customers to have payment holidays on their loans.

 

I can confirm that the FSA did not make this recommendation to Welcome Finance,

and that it is both an internal business decision and change in company policy to no longer allow our customers the option of a payment holiday.

 

 

You signed a legally binding contract confirming that you would pay the agreed monthly payment of £246.44 by the 12th of each month.

 

After reviewing your account I can confirm you have recently made a payment arrangement with your local branch

to pay £270.00 per month which commenced from the 15th July 2009.

 

You then questioned the account fees that have been applied to your account.

The account fees that have been applied to your account are correct and within the terms and conditions of your agreement.

Welcome Finance apply fees to a customers account where a payment is returned or cancelled,

as well as if anaccount is in arrears with no long term payment arrangement in place.

Details of these fees are shown on your credit agreement.

 

In regards to your request to lower payments further on your account,

as your account has already been rescheduled to the maximum term length of 300 months

and has been reduced to the lowest interest rate possible to our customers of 1%,

we are unable to consider your request to further reduce your payments.

 

I would like to apologise for the poor level of customer service that you feel you have received from your local branch,

however I do hope that I have been able to reassure you and that you experience no further difficulties.

 

If I do not recieve any further contact from you regarding this matter,

I will close my file on your complaint 8 weeks from the date of this letter.

 

Yours Sincerely

Nick Morgan.

 

I did not ask to lower my payments, I asked to pay half a months payment in July.

 

I notified them two weeks before and asked not to be charged and for my direct debit to be adjusted

so I did not get charged cancellation fees, this was denied.

 

 

I was told by Jack Boorman the accounts manager at the Asford branch the FSA had advised them

not to help people having financial difficulties !!

 

 

I have always paid my loan on the 15th of the month yet Mr Morgan says the agreement is for the 12th of the month ??

I did not have any contact from Welcome about clearing my arrears

and I did not contact the branch as stated to clear them either ?

I am completely confused with Welcome company policy.

 

Can an arrangement fee be charged monthly for the term of the loan ??

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You really need to get all the facts (from a WF angle) on this.

 

I strongly suggest both CCA and SAR letters. It will cost £1 for CCA and £10 for SAR but will give you all the argument you need (assuming they respond - and that is 50/50 and dropping).

 

CCA is here: http://www.consumerforums.com/resources/templates-library/86-debt-collectors/581-cca-request-letter

 

SAR is here: http://www.consumerforums.com/resources/templates-library/86-debt-collectors/576-subject-access-request-debt-a-dca

 

Adjust both to suit your needs.

 

And remember - do not sign your letters, print your name. Use PO (crossed) to pay, recorded delivery only.

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Once again, thanks for your suggestions. Do I have to send a £1 for each CCA I think I have had because I may have had a top up or re-write many times over the years I have been stung by this company ?? Can I claim on old agreements or is it only the current loan and agreement that was a re-write ? I am sure that originally this loan started as a unsecured car/personal unsecured loan. How far can I ask Welcome to look back ??

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Relax......read another post for five mins........

 

http://www.consumeractiongroup.co.uk/forum/welcome-finance/109794-welcome-finance-394.html

 

Ho Happy Days.........................:-)


Beck

"There are two ways to conquer and enslave a nation. one is by the Sword. The other is by Debt."

 

Barclaycard PPI Refund £4300:whoo:

Barclaycard = Mexican Stand Off

 

TSB = Mexican Stand Off

 

Santander = :mad2: MungyPup is coming to get yahh :mad2:

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You Can Go Back Six Years Ref Agreements, Statements,

 

Send The Cca And Enlose A One Pound Postel For The Curent Agreement

 

As You Have Had Meny Agreements I Recomend Sending A Sar Request

 

That Will Cost Ten Quid

 

Remember Recorded Delievery

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Thanks again for all of your help with this.

 

 

I sent recorded delivery today CCA and Subject Access Request so will be very interesting to see how they have lied to me over the years.

I also telephoned Nick Morgan in complaints and told him I am very unhappy with the DD being cancelled

and I will not pay by card or talk to my local branch anymore and I want all communication in writing.

 

 

He told me as I was in arrears I could not pay by DD until a payment plan was in place

to which I replied it was in place but you cancelled it and I have that in black and white.

 

 

I have had half a dozen messages on my phone since from the local branch but I am not answering any of them.

They also told me my agreement was for the 12th of each month all of a sudden and I have always paid on the 15th ??

I have recieved a complaint form to fill out from the F.O.S. today

so I shall continue to complete that as well.

That cannot do me any harm can it ?

 

good for you:)

 

Thanks again. I will keep you posted but dont hold out much hope of recieving these documents after reading other threads !!!

 

Some very strange goings on at Welcome. Sent Subject request yesterday by recorded delivery but recieved a letter today from compliance dated the 10th Aug and posted 2nd class thanking me for my Subject request which is being prossesed ??? What is going on ??

 

their all in a panic because their parent company cattles is selling bits of the comapny off to get out of a big black hole


PGH7447

 

 

Getting There Slowly

---------

 

Advice is given freely but is in no way meant to be taken as Gospel:-)

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It has been a week now and

I have not heard anything from Welcome regarding my recorded delivery letter,

in fact it still shows as not being received ?

 

I have been bombarded with phone calls from my local branch but have not spoken to them,

however I called complaints this morning and made a monthly payment by card with them and not my local branch.

They asked about my arrears but I refused to pay any towards that as they had cancelled the previous agreement.

 

Can anyone tell me why Welcome have cancelled my DD and moved my payment date forward 3 days please ?

 

I find this so frustrating and it really is like dealing with spoilt children !!!!

 

Has this happened to anyone else recently ?

 

And has anyone else had the DD cancelled because of arrears ??

 

Thanks in advance.

 

CORRECTION...

Just recieved a letter this morning stating that they have recieved my Subject Access Request on 14th August 2009, we acknowledge reciept of £10 processing fee and are pleased to inform you that your request is being processed. No mention of my CCA or payment for that ?

 

Hi everyone. Welcome have until the end of the week to send my CCA request and I have not recieved confirmation that they are doing anything regarding the CCA. If I dont not recieve anything by friday can you please tell me the process I have to follow ? Help would be much appreciated in telling them I am withholding payments.

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Give A Shout On Friday

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Good evening to all.

Can you please help ?

I am very confused right now.

 

Recieved a Subject Access Request in the mornings post

but it only dates back to July 2008 ?

I this correct ?

Also no mention of the CCA request ?

 

Had a call from the lady in compliance this evening asking if I have recieved my request

to which I replied It only dates back to last July and I had not recieved at CCA and

she replied, I will have to get your security information before I discuss these matters with you and when is best to call you back tomorrow.

 

Can someone please help and tell me what is going on ??? I would be very grateful.

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Seems Welcome Are Diving For Cover

Do They Have Your Agreement

Back Against The Wall Me Thinks

 

Ill Post A Template For You To Send If They Dont Call Tomorrow

 

No Cca

No Debt

You Can Legally With Hold Payments Now Until They Send You Your Agreements

 

Some Thing Is Telling Me They Dont Have One:lol:

 

http://www.consumerforums.com/resources/templates-library/48-bank-templates/129-data-protection-act-non-compliance-template-letters-

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Thanks very much postggj, its appreciated very much. I thought the Subject Access Request had to go back six years, not just on the current agreement ?

I have a WFS LOAN ACCOUNT FRONT SHEET in this pack with my current agreement photocopied on the back which is barely readable. Is that supposed to be the CCA ?? I am very confused ??

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Welcome Have To Give You Every Thing They Have On You

That Includes Agreements

Statements

Computer Screen Shots

Every Thing

 

 

Can You Scan And Send Me What You Think Is The Agreement And Ill Confirm

 

Ill Give You My Email Address By Pm If Needed

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Todays letter headed. RE: Subject Access Request-Account Number *******

 

Thank you for your letter recieved on the 14 August 2009 making a subject access request.

Please find enclosed all information held by Welcome Financial Services Ltd in relation to account number *******.

Please note: This is all the information we hold for the above account (s).

If you have any further queries, please do not hesitate to contact me at the above address.

Yours sincerely

Emma Williams.

 

Does this mean they have lost all previous paperwork. My latest loan is a very rushed re-write offered and suggested by Welcome last year ???

 

I cannot believe this is all they have after all of these years and no mention of the CCA at all. No scanner I am afraid, can I use photo bucket with camera etc ?

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When Welcome Call Tomorrow Inform The Cretins This

 

The Sar Was Not For One Account

 

Its For All Info Welcome Hold On Me

Thats All Data

If Its Not Sent With In Seven Days, Send Them The Template Link Ive Posted

 

You Are Being Given The Run Around

 

Yes Use A Camera

 

Sending A Pm

 

try sending as an email attacment

just upload the picture from the camera into your pc and send via email

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All done I hope and thanks in advance postggj.

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there is some thing very wrong with this agreement

 

can you go into an internet caffe or libary and save the scan to a flash drive and re send to me

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