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No letter this end but 4 phonecalls, I think I might take their number off my reject list and have some fun with them :D

 

After all it is the season of goodwill and Im sure I could hand out the phone number for the Jobcentre to them!!!:p

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Hi Sherry - can I ask is your loan secured or unsecured??

 

It is a for a secured loan BUT the house it was secured on was reposessed in 2006. They are trying to just get as much as they can now I guess.


DPA request 08/02/2006

Ist money back request letter send 03/04/2006

2nd letter send 20/04/2006 - no reply

Filed claim @court for £1952.00 on 17/05/2006

Halifax paid up £1952.00 26/05/2006

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well

 

what can i say

 

i would think in the near future lewis and cl will be next for the chop

 

lost for words

 

no more people being shafted

 

result:D:D

 

i might be able to look at other threads now besides welcome:)

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hello 5 guests

 

notingham calling

p45 time:D:D:D

 

yes i am gloating#

 

what goes round

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lol don't think you can get away that easily Post....still a lot work to be done by the great people of this forum.

 

but yeah least you can take a well earned break over xmas hehheh

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me thinks its going to be cohen and welcome next

 

its most important now

 

tell all new caggers to get there accounts put into dispute asap

 

lets start turning the screw

 

very slowly

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Well, Gail from the Peterhead branch decided today might be a good time to phone me and remind me that I haven't made a payment for nearly 3 months now. At my request, they did manage to get compliance to phone me.

 

Jonathan: "If you sign the new agreement, we can get this sorted out now."

Me: "Unless you agree to repay me PPI on ALL my loans, I'm signing nothing."

J: "We won't be paying anything on loans you had mor ethan 6 years ago."

Me: "You can't hide behind the Limitations Act J. It's all in my last letter."

J: "Why do you think the Limitations Act applies to everybody except you."

Me: "It DOES apply to me. And Section 32 applies in your case."

J: "You are obliged to repay your current loan. Otherwise it will reflect badly on your credit file."

Me: "If I had a squeaky clean credit record, do you really think I'd have used Welcome for a loan? Get real."

J: "Well, we don't have to abide by the decision of an adjudicator from the FOS."

Me: "See you in court then, where I'll be countersuing for mis-sold PPI on every loan, plus compound interest at your contractual rate."

 

CLICK!!!

 

RING, RING!!!

Me: "Hello Gail, compliance were on the phone and won't budge."

G: "OK, so long as you realise I'll have to ring every month to keep head office happy."

Me: "Why would you want to keep them happy? Welcome is being run down, so I suggest you get down the job centre to beat the rush."

G: "HAHA. So long as we're one of the last to close."

Me: "I wouldn't bank on it. I think collections will be taken over completely by Nottingham in the not too distant future. Do yourself a favour and get to the head of the queue so you're ready when the P45's hit the mat."

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fester the mind reader

luv it

 

wait for the tidal wave now on settlement offers

 

the bond holders will want every penny they can get

 

all this is because rbs pulled out of funding cattles now it has a legal judgement to be first in line when cattles is carved up

 

ime going onto the cattles share trading forum for a while to wind them up:D

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Cattles the name and fleecing is the game.

 

message from the cattles share holders

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post do you have a letter for putting account into dispute. still not had CCA or complete SAR.

 

Want to do ASAP !

 

Ta

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mrjoolz

 

have you got your own thread on this

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Guess I'd best get my ppi claim in then, asap lol.

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get these claims in before cattles goes tits up

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Guess I'd best get my ppi claim in then, asap lol.

 

 

Just a thought if Welcome go into Default can you not claim PPI back through the FSCS....

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interesting idea

 

not come across anybody using that service

 

if applicable the fos would have recomended it

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It can be done, but only once the entire group of companies goes into administration.

 

hehehe

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It can be done, but only once the entire group of companies goes into administration.

 

hehehe

 

 

ill give cattles six months max

 

rbs wants blood

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just a query but as they are now officially going down the pan and only collecting i assume that goes to only enforceable debts? what about the ones that arent enforceable? i know its all guesswork but any ideas?


I am a consumer just like you, please get a second opinion or investigate yourself on anything I advise as I am in no way legally trained. Everything I know has come from the Mighty CAG and fellow CAGGERS. :cool:

 

If I have helped in any way please click my reputation star and make a donation to CAG to enable us all to continue to help each other :cool:

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great news , time it happened to them :)

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i havnt paid them for like...6 months or so and havnt heard a word :D

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Maybe someone should send them the link to the RBS forum, they might need some advice if they are getting threatening letters and calls from debt collectors.


If you find my post helpful please click on the scales at the top. Thank you

FAQ SECTION HERE

 

Halifax Bank Claim filed and settled

Halifax Credit Card settled

Argos Store Card settled

 

CCA requests sent to

Halifax Credit Card

LLoyds TSB Credit Card

Capital One

Moorcroft (Argos)

NDR

18/06/09

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I have put the account in Dispute long time ago and put the complain to Ombudsman and i picked home phone it was the account manager from Welcome and he went on saying that i need to start paying as Charges and the interests are being added to your account plus your credit file is going to updated with no payment made .And i told him that what part of dispute you did not get it he went on the dispute is with the Company who sold you the loan and insurance not us we are the lender so we can demand you money and can put default your account and credit history .I said to him i followed legal procedure and put the account in dispute while Ombudsman investigating into this matter so if you did not like my way of putting my account in Dispute and you want add charges and Interests than please confirm it in writing ,He said he will ask their complaint department to do that and send me letter .And then he asked me to send him the letter from Ombudsman that came to me that my case will be looked by adjudicator .I was telling him that you must call me and threat me about my credit rating he went saying it is fact not threat and hang up on me .I was so :-x:-x:-x:-x So guys can he really affect my credit file and add extra interest while the account is in Dispute ? Thanks

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It is a HILARIOUS OLD WORLD! I`m setting a licenced company now. To look after those poor unfortunates who have lost their jobs at Welscum Finance.

 

I will supply soup kitchens along with care and understanding of their situation. When they lose their houses, they can move in with me and mrs1arby. They will have a nice warm house full bellies and a roof over their heads. I do feel sorry for them( just like they did for me and mine).

 

NO! NO! NO! I was just in my own version of A Christmas Carol. what a nightmare. LMFAO:rolleyes:

Edited by MARTIN3030

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It is a HILARIOUS OLD WORLD! I`m setting a licenced company now. To look after those poor unfortunates who have lost their jobs at Welscum Finance.

 

I will supply soup kitchens along with care and understanding of their situation. When they lose their houses, they can move in with me and mrs1arby. They will have a nice warm house full bellies and a roof over their heads. I do feel sorry for them( just like they did for me and mine).

 

NO! NO! NO! I was just in my own version of A Christmas Carol. what a nightmare. LMFAO:rolleyes:

 

 

I absolutely love reading your post Mark, you have a fab sense of humour lol I love it!!

Edited by MARTIN3030

I am a consumer just like you, please get a second opinion or investigate yourself on anything I advise as I am in no way legally trained. Everything I know has come from the Mighty CAG and fellow CAGGERS. :cool:

 

If I have helped in any way please click my reputation star and make a donation to CAG to enable us all to continue to help each other :cool:

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style="text-align:center;"> Please note that this topic has not had any new posts for the last 3251 days.

If you are trying to post a different story then you should start your own new thread. Posting on this thread is likely to mean that you won't get the help and advice that you need.

If you are trying to post information which is relevant to the story in this thread then please flag it up to the site team and they will allow you to post.

Thank you
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