Help with Welcome Finance

[BLACK AND AMBER]

Yes, settlement figures have a short shelf life and then have to be recalculated

[beyondhope]

Don't panic, the Customer Account Managers are pretty much bullied into chase, chase, chase by Branch Manager and in turn Area Managers.

They are targeted at branch level to keep their 'delinquencies' or arrears cases to a bare minimum. Always have done, always will do. All in all it is very aggresive, but forms a big part of their monyhly targets and of course 'commission'.

1) if you have asked them not to call work number, they have to respect this, should then be noted on their electronic record of your account.

2) all of their calls are recorded and once requested to strike the work number, they have to. So if you want to write, requesting this tactic ceases, also mentioning has been requested verbally and you know calls are recorded.They have to abide and also reply - they have to keep a complaints log to satisfy part of the 'Treating Customers Fairly' philosophy.

3) Account Manager will probably lie and deny they are doing anything wrong, but remind them that this is covered under the 'Treating Customer Fairly' part of the FSA guidelines and compliance rules......all in all as they know you fear the work contact route, they are using this option to keep the pressure on

4) Regularity of calls - keep a log of the number of and the times called. You are correct, if the number of these persists, it is harrassment. you may need this log, again to use against them at a later stage, especially if we go the route of reporting to Financial Ombudsman Service - the authorities are fully aware of their tactics by the sheer number of complaints and enquiries they receive

5)Solicitors love cases like this but of course being very expensive would suggest you go along to your local Citizens Advice Bureau with all letters, info, credit agreement and log of calls etc

6)Outstanding balances/repayments. No-one can ever make sense of these but simply, if you make evry payment on time throughout, agreement will end as planned, but what they rely on is erratic payers and this is why. Each month after your payment comes off, the interest gets added in the same way as on a credit card. Should you miss a payment, the balance is therefore, higher than should be, so attracts more interest, also add to this that they add charges to your account for phone calls, rejected payments, letters and anything else you can think of, these of course also attract interest. The only way to get on track is to pay all of the missed payments, extra charges levied and additional interest incurred and then the agreement will be nearer running it's natural course.

Hope this little lot gives you some comfort.

An old colleague once told me 'knowledge is power', so now you have some power, use it but resist ranting and raving, just keep it calm if you can.

 

 

Fab info not sure what it relates to though

[cab1ne]

Fab info not sure what it relates to though

 

"interesting"

 

The only way to get on track is to pay all of the missed payments, extra charges levied and additional interest incurred and then the agreement will be nearer running it's natural course.

Hope this little lot gives you some comfort.

 

Mmmmmmmm:rolleyes:

brilliant advice "we shall ALL do that first thing, monday morning":p

 

cab

Edited May 22, 2010 by cab1ne

[beyondhope]

"interesting"

 

The only way to get on track is to pay all of the missed payments, extra charges levied and additional interest incurred and then the agreement will be nearer running it's natural course.

Hope this little lot gives you some comfort.

 

Mmmmmmmm:rolleyes:

brilliant advice "we shall ALL do that first thing, monday morning":p

 

cab

 

Hahaha im still confused as to why it was dumped on my thread :rolleyes: If they think im paying the 6k they are asking for they are sorely mistaken! Go tell it to the judge!

[beyondhope]

tick tock tick tock 10 days and counting....

all this waiting makes for a very impatient beyondhope

[beyondhope]

I just received one of these!!

 

General Form of Judgment or Order N24

 

When a judgment is entered at court as result of a hearing or consideration by a District Judge a Judgment Order will be issued. Copies go to both the Claimant and the Defendant and contain detailed information in respect of the Judgment. A straightforward Judgment will detail:

• The sum in respect of the original claim
  
• Interest
  
• Any costs or expenses
  
• The total and how it should be paid
  

There will be a final date for payment and if installments have been agreed how these should be paid.

 

More complex judgments may require a new hearing or further actions or documents.

[cab1ne]

I just received one of these!!

 

General Form of Judgment or Order N24

 

 

When a judgment is entered at court as result of a hearing or consideration by a District Judge a Judgment Order will be issued. Copies go to both the Claimant and the Defendant and contain detailed information in respect of the Judgment. A straightforward Judgment will detail:

• The sum in respect of the original claim
  
• Interest
  
• Any costs or expenses
  
• The total and how it should be paid
  

There will be a final date for payment and if installments have been agreed how these should be paid.

 

More complex judgments may require a new hearing or further actions or documents.

 

in your "FAVOUR":D

 

cab

[beyondhope]

in your "FAVOUR":D

 

cab

 

 

Im abit confused as to what its for though as N24 appears to be used to give orders as well such as providing docs etc so is this an order for it to be judged or an order for it to be allocated so to speak as they have until 3rd to submit defence....

 

saying that the order is dated 13th May 2010, Put onto form on 21st May 2010 and received 27th May 2010

[beyondhope]

It states

 

It is ordered that

The application be listed for 4th June 2010 at 12.50pm at *Court Name* time estimate 5mins

[cab1ne]

It states

 

It is ordered that

The application be listed for 4th June 2010 at 12.50pm at *Court Name* time estimate 5mins

 

its confused me:confused:

 

maybe the dj has made his mind up allready:cool:

 

cab

[beyondhope]

its confused me:confused:

 

maybe the dj has made his mind up allready:cool:

 

cab

 

 

Im confused in as much as there is no sign of defence as yet but then they have until next thurs so thats not an issue and irrelevant to that but this was ordered 7 days after the N1 was served so before even their first deadline was met - all I can see is its either to state where its going via the court or the DJ wasnt even interested in their defence which to me seems odd...

[cab1ne]

Im confused in as much as there is no sign of defence as yet but then they have until next thurs so thats not an issue and irrelevant to that but this was ordered 7 days after the N1 was served so before even their first deadline was met - all I can see is its either to state where its going via the court or the DJ wasnt even interested in their defence which to me seems odd...

 

it maybe a case where, any defence could not alter the un-deniable truth:confused:

 

cab

[beyondhope]

it maybe a case where, any defence could not alter the un-deniable truth:confused:

 

cab

 

As if it would be that simple where im concerned I hope someone can shed some light coz im lost

[cab1ne]

As if it would be that simple where im concerned I hope someone can shed some light coz im lost

 

me too,

 

i'm just taking wild guesses,

 

cab

[cab1ne]

hi wannabe,

 

any ideas:confused:

 

is there anything on the n24

 

cab

[wannabedebtfreesoon]

hi wannabe,

 

any ideas:confused:

 

is there anything on the n24

 

cab

hello Cab, just got in gonna have a look now. I do have something of an idea tho

[cab1ne]

hello Cab, just got in gonna have a look now. I do have something of an idea tho

 

thank dog for that,

 

cab

[wannabedebtfreesoon]

thank dog for that,

 

cab

Don't talk to me about dogs! I've got 10 very lively 6 week old labrador puppies running around!! They're driving me mental!!!!!

[cab1ne]

Don't talk to me about dogs! I've got 10 very lively 6 week old labrador puppies running around!! They're driving me mental!!!!!

 

 

Aaawww "Bless"

i have always been under the impression that you have always been "Mental":D

 

cab

[wannabedebtfreesoon]

Aaawww "Bless"

i have always been under the impression that you have always been "Mental":D

 

cab

Well exactly!! I don't need any more help ha ha!

[beyondhope]

me too,

 

i'm just taking wild guesses,

 

cab

 

ive gone to 2 conclusions so far lol just you watch neither will be right lol

[beyondhope]

hello Cab, just got in gonna have a look now. I do have something of an idea tho

 

 

oooo fankooo xx

[wannabedebtfreesoon]

I need to see it but my first thought was that it would be a case of CPR Part 3

[beyondhope]

I need to see it but my first thought was that it would be a case of CPR Part 3

 

 

check the email address you gave me x

[beyondhope]

it had better not be 3.4