welcome finance - problems !

[pinklily0105]

Well got deatils of Direct Group this morning ! But alls is it is a print out of what is covered, nothing on there has any reference to me, no policy number dates etc, not even my name ! I could have picked it up off the street !

[postggj]

call direct group again and ask they resend that info

you want policy numbers etc

 

lets be nice to begin with

 

if they start playing hard ball its an sar

[pinklily0105]

will do postggj, thanks

[pinklily0105]

I sent off my SAR using your template postggj. Enclosed the PO and sent recorded. I have just received a letter from welcome this morning saying that they can't carry out my request until I have paid the 10 pound fee.

 

I stated in the letter that the 10 pound PO was enclosed, checked the recorded has been signed for by them which it has, I have that proof. But what can I do now about the PO ?

 

I do have the receipt, can that be checked ?

 

Not sure what to do now, Im reluctant to send them another one, if they have signed for the letter then they have signed for the PO which was enclosed. Surely ?

[brassed-off-2]

contact royal mail customer services with the postal order details and they should be able to advise if p/o cashed..there will be a tel number on their website.

 

its welscum trying it on as usual...time wasting, the 40 days are still ticking!!

b-o-2

Edited August 24, 2009 by brassed-off-2
keyboard gremlins

[pinklily0105]

thanks for that, I have rung RM. They can't tell you over the phone. I have an address that I have to write to, with my receipt and if it hasn't been cashed then it would be refunded. The lady was a little confused as to them signing for letter but saying not got PO ?! I guess she isn't a customer of Welcome !

 

Problem now is what do I do about my SAR ? I can do this letter to RM but obviously that takes time. Do I reply to welcome in the mean time or will I have to do another SAR once I have the PO business sorted ?

 

They make me so angry ! How can they say they haven't been paid when it clearly states in the letter I have included PO, and it was there in the same envelope as the letter they admit to receiving. Im guessing my 40days won't be ticking by anymore ?

[postggj]

pinklilly

the 40 days started from the moment they signed for the sar

its a legal request

we can sort out the phantom postel order later

[postggj]

give welcome a call and ask for confirmation that they have received your sar and postel order

 

this time

be nice

 

lets see what they say

[pinklily0105]

rung welcome passed about a little, now dealing with a lady. Supposed to be ringing me back ! Says that it might have been banked by their post department and seperated from the letter, or even passed to my local office.

 

I told her as far as I am concerned you've signed for the contents of the letter, she says she'll see if her manager will waive the fee ! I paid the bloody fee !

 

Anyway I won't hold my breath for the call back !

[pinklily0105]

well she did call back, said they couldn't find it but will honour the request and my SAR will be dealt with.

 

Do i just leave it as this and wait the 40days ? Just worried because of what I've read about this company. They might deny the phone call.

 

Whats your advice ?

[postggj]

no worry

 

its from the date they signed the recorded delievery

 

keep your receipt to be safe

[pinklily0105]

just commented on another post regarding starting a complaint now before welcome go under, of course if they do ! Thought it would be best to come back to my own thread.

 

Not sure where to start complaint without any infor from SAR.

 

Orginally post you said I would have PPI claim, also that they might not have refunded previous loans correctly or the PPI on them. I queried the 14day cooling off but have since learnt can't do that cause I signed on their premises.

 

So im at a loss as to what to start a complaint with ? any help on the matter ?

[emmilou1]

might be worth calling up direct group and norwich union to see if you actually ever had the insurances? SOunds far fetched but how do you know you haven't paid for insurances that don't actually exist. Worth checking out?

 

Direct group only had a record of our PPI...not the other insurances which is what i'm querying now.

[pinklily0105]

ive checked with them, just sent me t&c which could be for anybody. Am waiting for more details to come through of them

[postggj]

just commented on another post regarding starting a complaint now before welcome go under, of course if they do ! Thought it would be best to come back to my own thread.

 

Not sure where to start complaint without any infor from SAR.

 

Orginally post you said I would have PPI claim, also that they might not have refunded previous loans correctly or the PPI on them. I queried the 14day cooling off but have since learnt can't do that cause I signed on their premises.

 

So im at a loss as to what to start a complaint with ? any help on the matter ?

 

 

IME DOUBLE CHECKING BUT I THINK THE 14 DAY COOLING OFF PERIOD DOES APPLY EVEN SIGNE ON TRADE PREMISIS

 

WHAT WOULD HAPPEN IS YOU CONTACT WELCOME FOR A SECURED LOAN

THEY GET BACK TO YOU AND SAY YOU HAVE BEEN ACCEPTED

 

THEN AFTER 14 DAYS AND ONLY AFTER 14 DAYS YOU GO BACK INTO THE OFFICE AND SIGN IT BECOMES LEGALLY BINDING

 

WERE YOU GIVEN THE 14 DAYS FROM FIRST CONTACT

[pinklily0105]

No, my husband rang enquirying they gave us an estimate of what it would cost. We went in a fewdays later to go through our income etc. We then had to go in the following week, cause we were told only issued cheques on the 1st of the month. We signed and got the cheque the same day.

 

But I thought I couldn't claim the no cooling off because cab1ne said the other day, id been on their premises twice so it would be hard to claim that.

 

All this really confuses me, feel I could get them at so many angles but don't know which, which was why I was waiting for my SAR. You said on an earlier thread I could get them if they haven't issued the correct rebates on the old loans and insurances as we had to have them on the other loans. Also missold ppi on this secured loan. But ive got all little bits off info and donm't know how to put it together.

 

Concerned if I leave it and they go bump in the mean time, we have missed the boat on trying to claim.

[postggj]

Dont Worry

Welcome Are The Pitts

 

They Allways Leave Out The Important Bits Of Info

 

You Just Have To Be A Dog With A Bone

 

Leave It With Me For A Few Days While I Do Some Digging

 

Need The 14 Day Bit Confirmed In Your Case

 

And Yes

 

You Will Have A Case On The Insurance Racket But The Whole Thing May Need The Fos To Order Welcome To Comply

[postggj]

Being In The Office Twice Makes No Difference

 

Welcome Should Have Said The 14 Day Period With No Contact Is Not Up Yet, Go Away

 

But I Need To Confirm It

[pinklily0105]

thanks post, really appreciate you looking at this

[pinklily0105]

on my credit agreement loan was signed by ourselves and wecome on 31/10/06. THey have other documents which have our signiture on, from previous dates.

These are a secured loan payment sheet of a breakdown of the monthly payment dated 19/10/06

They have a need and demands statement for insurance dated 19/10/06

They have an insurance suitability form dated 25/10/06

 

Now i know I didn't go in the office on 3 seperate occasions, so not possible. But they are our signitures, but I don't think we have dated them. But I can't prove that.

 

So would the 14 day cooling off period run from the signiture on the 19th on the monthly breakdown of payment, to when we received the cheque ?

 

Or does it run from the date on the signed credit agreement to when we received the cheque ?

[pinklily0105]

Sorry but another thing i had thought off, I don't ever remember seeing this monthly breakdown of payment sheet. A photocopy of it is all i have and that is when i have complained to welcome previously about something, that they have sent it to me. I was never given it at the time to look over before we took it out.

 

It also says on the credit agreement that we should have been given a copy of it 7days before our signiture, we never were.

[postggj]

That Payment Sheet Is The Satement Of Price

 

Welcome Will Not Show It Previouse As It Shows All The Dirty Dealings

 

This Is Important

In Your/or When You Get Your Sar There Will Be Computer Screen Shots In There

 

Ref Telephone Conversations Etc

 

See Any Mention On This Statement Of Price

And Go Forward To The Part When It Was Sent Out

 

 

If This Agreement Was Signed On Trade Premisis

 

The Cooling Off Period Starts From When Welcome First Confirmed In Writing To You That You Have Been Accepted For The Secured Loan

 

Then Its 14 Clear Days With No Contact With Welcome, Be It By Phone, Letter, Visit

 

Then After 14 Clear Days, Welcome Will Ask You To Come In And Sign The Agreement

 

With In This 14 Day Cooling Off Period You Should Have Everything About This Loan

 

How Much It Will Cost

Length

Insurace. Ppi Etc

 

That 14 Day Period Is So You Can Have Second Thoughts As Its Secured On Your Property With No Interference By The Creditor

[pinklily0105]

well i have NEVER had a letter of welcome to say we had been accepted for a start. Like I say had not seen this breakdown before till Welcome sent it to me rehgarding another matter and that was January this year. And we certainly did not have 14 days with no contact from them. Im don't even think that there was 14days from start to finish of this whole thing. The dates on all this documents prove that, 1 19th, 1 25th and then loan signed 31st and money issued. Where is the 14 day clear in all that ?

 

What do I do now ?

 

IM still waiting on my SAR

[postggj]

Like I Said

 

Ime Doing Some Digging This Weekend To Get The Corect Legislation On This Being Signed On Trade Prem

 

Welcome Are Real Sharks And Commission Hungry They Break The Fsa Legislation All The Time For The Sake Of A Large Pay Cheque At The End Of The Month

 

Me Thinks This Is Going To Be A Pleasent Surprise At The End Of This

[pinklily0105]

thanks post, i'll leave it with you, really appreciate your help