welcome finance Problems

[postggj]

Law firm in threat to sue lender Cattles - Yorkshire Post

[abi_cutie09]

My thread title has changed! I didn't change it! I guess a MOD changed it.

My appologies if there was a problem with my thread title!!

I didn't recognise my own thread in my email box.lol

Edited October 25, 2009 by abi_cutie09

[abi_cutie09]

I just wanted to clarify something for my own mind, regarding the forged sinatures on the hp agreement,

When I signed my hp agreement I only remember signing once, so did they photocopy the agreement for their reference, or was it carbon copy,or would I have signed my copy and then signed their copy? What I am getting at is, should the signature on my copy be EXACTLY the same as the copy they sent in sar?

[MARTIN3030]

My thread title has changed! I didn't change it! I guess a MOD changed it.

My appologies if there was a problem with my thread title!!

I didn't recognise my own thread in my email box.lol

 

 

I changed it-and my apologies too for not informing you-I was called away while sending you a pm.

Its nothing personal-just the R word is a bit OTT

Hope you will understand sometimes we are all tempted to say what we think but as a team guy I have to think of liability here !

[abi_cutie09]

Bump,Bump

Hi Postggj I know you are very busy, just wondered if you got that special letter for me?

Welcome keep calling, to set up direct debit, I managed to put them off until friday! Sometimes the phone rings for 40minutes before they hang up.

Thanks in advance,

[abi_cutie09]

HI can anyone advise me? Postggj is off line for a few days I think, Post was going to do a specific letter (regarding commision)to send welcome, I don't know what the letter should say,

And Welcome think I am going in their office on friday, partner told them that to shut them up,they were calling all day every day upto 10pm.

Any ideas how to stall welcome until I get this 'specific letter'.

 

What should I do now? Any advise is appreciated,

Thanks

[abi_cutie09]

How is a letter of dispute worded? Do I just list all of the things wrong with the account,? Or does it have to have any reference to consumer laws?

I really am stuck now, don't know what to do!!

Did anyone else have signatures forged in the sar, what was the outcome?

 

ABI

[emmilou1]

Hi abi, can't help you with a dispute letter but the signatures on my cca request were different from the original we had.

 

We queried it alongside our Insurances claim (amongst other things) but never had an answer for it. We haven''t pursued it as Welcome have agreed to pay back the ppi and other insurances and i'm pretty sure the only way to resolve the signature aspect would be to take them to court to claim damages.

We decided we were happy with claiming the insurances back as it cleared our account and we were not prepared to go to court with it as we really just wanted them off our backs and we were wary of how long it would take and how realistic an expectation of compensation from them would be considering their unstable situation at the moment.

 

Also we couldn't say with 100% certainty that we only signed one agreement, they may have had two copies we had to sign... we just can't remember. We weren't prepared to pay out for a forensic handwriting expert only to find we had made a mistake.

 

Good luck! Hope you succeed!

[abi_cutie09]

Hi emmilou, thanks for your response, regarding the signatures, my personal loan agreement matches exactly with their copy, but it appears that all the documents todo with my hp, the signatures don't match with the copies sent in sar, the statement of price etc. I'm sure there is something dodgy about my hp,

I will work it all out eventually, It is just a little scary when I don't fully understand all of my rights, The CAG has been a god send to me!!

[dantripled]

abi,

 

i have my own thread ongoin (welcome finance unenforceable loan???), somebody has very kindly posted the dispute letter on there for me as i am soon to be at that stage, so if you go on and have a look and amend accordingly to suit your own circumstances

 

hope it works, good luck

[frank2009]

Hi,

I am new to this site today in desperation as I have recieved a court notice from welsome for 28000!! I only borrowed 10000 in 2005! as a secured loan. My house got reposessed by the bank a few months later and welcome say the indemnity fee does not apply as they did not force the reposession! any ideas what to do as I am loosing all hope. I have to send the court a reply asap.

 

Thanks

[abi_cutie09]

Hi Postggj, If you are reading this, sorry to bug you, but I just wondered if you have the 'special letter' for me?

I'm not sure how to word the part about commision.

Thanks again for your help, hope your dongle is feeling better soon.

[abi_cutie09]

 

Anyone know what this 'car value overbooked' means?

[postggj]

ill be with you in a few days abbi

 

usb dongle gone down so in internett caffe

[postggj]

abbi

 

that car value ovwe booked would be commission acf received from welcome

 

not been disclosed so

 

wilson v hurstanger

 

its in black and white:-)

[abi_cutie09]

ok postggj, thankyou, I will check back over the weekend, Thanks once again!

[abi_cutie09]

a woman from local office called lastnight, spoke to her she is claiming that my hp agreement has over £800 ountstanding to get it upto date, I believe i am only outstanding by octobers payment £272, I told her that £800 doesn't sound right to me, she said i need to come into office to look at a statement! She was very abrupt with me. she said I need to pay atleast £272, she asked what i am going to about payments, I said she should give me standing order details, she said she won't give them to me, but she will send a direct debit mandate.

she said I should come into office today, I said I would try, She is going to start calling soon, as i have not been in yet! dont

know what to do anymore,and she didn't even mention my personal loan!!

[kupcake]

hiya abi, I had a row with my account manager today told him that im going into dept management programme he wasnt happy i told him enough is enough i offered a settlement which i thought was a fair offer but they declined it so im going down the route of debt management, I totally understand where u are coming from they are a nightmare.

[HE WHO DARES WINS :-)]

Hi Guys i dont know much about this or the leaglaities as am fairly new however i do know that they are bullies and will try and get to pay by pressuring you. I would never go in and see them neither would i speak to them on the phone. If they are starting to be rude and pushy then get them to put everything in writing and do not take their calls. There are letter templates in here.

 

I havent read all the thread so sorry if you knew all this already.

 

Have you sent them a CCA request or SAR'd them?

[abi_cutie09]

hiya abi, I had a row with my account manager today told him that im going into dept management programme he wasnt happy i told him enough is enough i offered a settlement which i thought was a fair offer but they declined it so im going down the route of debt management, I totally understand where u are coming from they are a nightmare.

 

Hi Kupcake, I know they are a nightmare, have you managed to start your own thread yet? once your thread is up, people will be able to advise you,

[abi_cutie09]

Hi Guys i dont know much about this or the leaglaities as am fairly new however i do know that they are bullies and will try and get to pay by pressuring you. I would never go in and see them neither would i speak to them on the phone. If they are starting to be rude and pushy then get them to put everything in writing and do not take their calls. There are letter templates in here.

 

I havent read all the thread so sorry if you knew all this already.

 

Have you sent them a CCA request or SAR'd them?

 

 

He who dares, I have done a cca and a sar, cca came in the sar, but the signatures don't match mine.

I think I will send them the harassment letter because they call so many times in a day it's unbelievable,

[abi_cutie09]

Hi postggj, I have just noticed you are online!

I don't mean to harrass you, but just wondered if you have the magic letter for me? welcome local office are now harrassing me for direct debit mandate and payment, she is claiming i owe £800+ on my car, that cant be possible, I don't know what to do!!

 

I hope your dongle is better now!!

 

If you can please help me, I will be so greatful!!

[abi_cutie09]

Bump! Bump! :Dcheeky bump:D

[abi_cutie09]

:Dbump:D

 

postggj please can you help me when you get 5minutes?

 

Really need help putting a letter together regarding commision and forged signatures.

 

I have read wilson v herstanger, it's very interesting, but I just don't know how to word this letter. Welcome will start calling again tomorrow trying to get me to set up direct debit, she is becoming very pushy, please help.

[brassed-off-2]

Abi

 

Dont alert the **** to the forged signatures just yet.!! ..i would keep that up your sleeve..if ever you need it!!

 

RE: the commission, have they sent you the underwriting sheets??

i would try and hang fire with your letter and wait for post for another day or so...looks like he's having a pc/dongle nightmare again!!