fitz125 v welcome

[fitz125]

hi folks, i have just found out about all of this and i must say i didn't realise that so many people have had so many problems with welcome.

 

I have 2 unsecured loans and 1 secured loan. I had payment difficulties last year so they had me sign a new contract for the 2 unsecured loans so the payments would be smaller. but unfortunately i cannot find any of my paperwork.

 

I also have to pay an exra £60 pm. on my secured loan for £25,000 wich i took out 3 years ago.i missed 2 payments on that.

 

Can anyone advise me as to how i go about getting copies of my contracts and anything else i need to get so i can find out if i have been missold anything. i am now quite concerned after reading about everyone elses problems with welcome. I have spent hours reading through the welcome thread and i'm now totally confused. so i would be grateful for any advice or links.

thanks x

[postggj]

can i confirm

 

2 active unsecured loan

1 active secured loan

 

you say the 2 unsecured loans were re-written, is that into one loan or 2 new agreements

[fitz125]

Yes 2 active unsecured 2 new agreements

1 active secured loan

[postggj]

wow

 

this is seriouse for welcome having that amount of agreements

 

responsable lending comes to mind

unsure if its even legal

 

checking on that

[fitz125]

Thankyou x

[postggj]

wrong letter

[postggj]

http://www.consumeractiongroup.co.uk/forum/general-debt-issues/20758-creditors-dcas-letter-templates.html

 

its letter n you need

ill now post my own sar for welcome

[fitz125]

thankyou x

[postggj]

[your address]

 

 

 

[their address]

 

 

[DATE]

 

 

 

Data Protection Act 1998

Subject Access Request

 

 

 

Dear Sir/Madam

 

 

ACCOUNT NUMBER: xxxxxxxxx (or multiple numbers if more than one account)

 

 

Please supply me with copies of all the data which you hold on me in relation to any matter and in any form and for any period of time.

Please note that I require disclosure of any personal data which you hold on me for the entire period of my dealings with you.

The Subject Access is not limited to my transaction history and it is not linited merely to 6 years of historical information.

Additionally, where there has been any event in my account history over this period which has required manual intervention by any member of your staff, or any other person, I require disclosure of any indication or notes which have either caused or resulted in that manual intervention, or other evidence of that manual intervention in relation to my financial business with you.

I require all information on details of all insurance products supplied by welcome financial services. This is to include the statement of means, statement of price, details of all insurance premium tax paid, and underwriting sheets.

If mortage indemnity insurance has been added to the agreement, i require all details on who this premium was paid to, and who underwrites this insurance.

 

If you are unable to supply this data because there has been no such manual intervention, then please be so kind as to confirm this in your response.

 

I enclose the statutory maximum fee of £10. You have 40 days in which to comply. Furthermore, if I discover that you have levied disproportionate penalties or charges which are invalid under the Unfair Terms in Consumer Contracts Regulations against me, then I shall be reclaiming them together with any interest charges which you have levied on them.

As it is your wrongdoing and mishandling of my account which has created the necessity for this Subject Access Request, I shall also be reclaiming the enclosed £10 DPA subject access request fee.

 

If there is specific information which you require in order to satisfy yourself as to my identity, please let me know by return. However, please note that the above address is the one which you normally use to communicate my private business to me and which you have hitherto found to be acceptable.

I would be happy to collect the Data from my local branch.

 

 

Yours faithfully,

 

 

[signature]

 

 

[name]

[postggj]

put these two letters together and send to the address below by recorded delievery

 

enclose two postel orders

 

1 order for £1

1 order for £10

 

print your name. never sign

 

 

welcome financial services

compliance

ruddington fields business park

ruddington

nottingham

ng11 6nz

[postggj]

give these people a phone and ask them to send every thing they have on you ref insurance and welcom

 

they are welcomes partner in crime with the insurance racket

 

Direct Group - Where Insurance and Innovation Combine - Home Page

[fitz125]

thankyou so much. i'll send that away tomorow. i will let you know how i get on.

thanks again

[postggj]

no probs

[Martynandemma]

Just to add this (you should get details on 5 credit agreements) as your 2 unsecured loans were refinanced into 2 new agreements. You should also get 5 statements for account numbers