welcome finance nightmare plz help

[emmilou1]

Hi

 

From looking at your statements it would seem that welcome have tried to take payments from your card. When they put the attempt through they credit your account. Now for whatever reason the payment hasn't been accepted which is why in the next line they have debited your account for the same amount of money.

 

Hope that helps.

[brassed-off-2]

Get what your saying Emmilou, but if Cardiffs bank account is showing as payment made on DC, and not showing as refunded...then where has it gone??

 

Cardiff can you get your bank to clariffy that the payment has been made, for the specific ones they are saying they haven't had?

[cardiff27]

heyas emmilou and brassed off some of the payments which are showing as credited then debited that amount of money was taken from my bank account it shows this in my bank statement and my online bank account and also going of my bank statements a few payments that were paid by my bank welcome have put them on my account as smaller payments EG my bank statement shows a debit card payment to welcome for say £150 but on my welcome statement the corresponding date shows they only took £60 of my welcome account although i paid £150 from thr bank hmmmm sounds very dodgy to me im quite likin the idea of showing this to a judge bcos as far as im concerned thats fraud/ theft

[cardiff27]

i have sent off the letter and the £10 fee so i can have the full statements should make some interesting readin i think and thanks both for your comments x

and yes my bank would confirm this as its on all my bank statements as cleared payments x

[brassed-off-2]

keep us posted Cardiff!!

[mark1arby]

a few payments that were paid by my bank welcome have put them on my account as smaller payments EG my bank statement shows a debit card payment to welcome for say £150 but on my welcome statement the corresponding date shows they only took £60 of my welcome account

 

Hey C`mon cardiff it is Christmas. Peace and goodwill to all and the rest of that stuff.

 

We need to be a little more understanding of Welscum employees situation. They have got to get something behind them for when they don`t have a job. LMFAO

[cardiff27]

lmao they can kiss my welsh ass b4 they get any more money of me season of goodwill or not lol x

[emmilou1]

sounds dodgy to me...if the money left your bank account and they haven't refunded it back then Welcome must have had it. Very interesting.

[Dibbothe3rd]

As long as you can prove it left your account and wasnt refunded, welcome wont have a leg to stand on.

[emmilou1]

Also if that is the case they are going to have to have a serious look at what you still owe them. All those fees shouldn't be on there and niether should the extra capitalisation if they have recieved all your payments.

 

If your statements are not reflecting the payments you have made, then you must be (wrongly) on their records as being in serious arrears. Did Welcome never try and contact you to tell you this?

[beyondhope]

lmao they can kiss my welsh ass b4 they get any more money of me season of goodwill or not lol x

 

 

couldnt have put it better myself lolol 8)

[cardiff27]

i think im gunna just sit tight til the sar comes then il post it on here with bank statements minus my personal details and see what advice i get as to what to do next xxxx

[cardiff27]

heya ll just after some advice on what to do next i recieved my sar in the post yest well over 40 days late cheek of em an now the phone calls keep coming and coming saying they will offer me a substantial reduction to settle but im not in that position to do that they wont accept regular payments so where do i go from here im gunna go thru my bank statements to compare all these card payments and i recieved a letter of ombudsman saying they were lookin into the mis selling of the ppi etc so really just wondering now ive got this sar whats my next move if any1 has any advice would be much appreciated xxx

[cardiff27]

bumpppp

[cardiff27]

bumpin again seriosly goin mental here after reading comments in the sar its a total pile of crap full of lies i dont get on with my next door neighbours and the sar says tha welcome called at my neighbours house discussing me and my situation my personal details were discussed between my next door neighbours and the welcome caller how are they allowed to do that grrrrr hate em and payments still dont match up how whats my next move really peed off at the amount of lies saying that my partners debit card was declined on numerous occassions hes never had a debit card or doesnt even have a bank account really peed of bou this any advice plz xx

[johnny28]

bumpin again seriosly goin mental here after reading comments in the sar its a total pile of crap full of lies i dont get on with my next door neighbours and the sar says tha welcome called at my neighbours house discussing me and my situation my personal details were discussed between my next door neighbours and the welcome caller how are they allowed to do that grrrrr hate em and payments still dont match up how whats my next move really peed off at the amount of lies saying that my partners debit card was declined on numerous occassions hes never had a debit card or doesnt even have a bank account really peed of bou this any advice plz xx

 

They can't discuss your account with anybody apart from whom the account is with under Data Protection Laws, and if im correct in saying this they cant charge you a call out fee if they made No contact with you. Lets bump this and get some advice for you.

 

Bump

[ozzywizard]

Your exactly right Johnny.

[johnny28]

So there seems to be 2 things that have cropped up.

1. The Data Protection Act being Abused/not followed

2. Payments being taken and then debited back onto the account.

 

Ozzy/Postigjj any advice for Cardiff, seems an awful mess and so unlawful.

[brassed-off-2]

CARDIFF

 

You need to contact the ICO, they can deal with the data protection issues...i would give them a ring in the morning and follow it up with a letter, provide copies of the evidence also...

[Major Player]

posted on your other thread but this is a disgrace - they have breached their own policy and DPA

[cardiff27]

thanks all for the comments i thought they couldnt get away with doing this and the fact that i cant stand the guy next door hes the last person in the world i would want my business discussed with they really do take the pee they rang again earlier and the woman was dpeakin to me like i was a child so i basically told her to kiss where the sun dont shine grrrrrr lol i wrote a letter to welcome sayin i wasnt payin another penny an i want a full refund and the same to the fos so im guessin thats all i can do for the mo thanks all for the comments much appreciated xxxxx