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    • Shein has been linked to unethical business practices, including forced labour allegations.View the full article
    • Hi I have to agree with @unclebulgaria67 post#3 For the funding side of moving to a new area and it being private supported accommodation I would also suggest speaking to private supported accommodation provider about funding but also contact the Local Council for that area and have a chat with them about funding because if you are in receipt of Housing Benefit certain Supported Accommodation that meets a certain criteria is treated as ‘exempt accommodation’ for Housing Benefit purposes but you need to confirm this with that relevant Council in your new area especially since it is Private Supported Accommodation as each Council can have slightly different rules on this. If you have a certain medical condition look up the charities and also have a wee chat with them as they may be able to point you to different Grants to assist with moving costs and your question about funding for private supported accommodation as well.
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    • Thank you for your responses. As requested, some more detail. Please forgive, I'm writing this on my phone which always makes for less than perfect grammar. My Dad tries but English not his 1st language, i'm born and bred in England, a qualified accountant and i often help him with his admin. On this occasion I helped my dad put in his renewal driving licence application around 6 weeks before expiry and with it the disclosure of his sleep apnoea. Once the licence expired I told him to get in touch with his GP, because the DVLA were offering only radio silence at that time (excuses of backlogs When I called to chase up). The GP charged £30 for an opinion letter on his ability to drive based on his medical history- at the time I didn't take a copy of the letter, but I am hoping this will be key evidence that we can rely on as to why s88 applies because in the GP opinion they saw no reason he couldn't drive i need to see the letter again as im going only on memory- we forwarded the letter in a chase up / complaint to the DVLA.  In December, everything went quiet RE the sleep apnoea (i presume his GP had given assurance) but the DVLA noticed there had been a 2nd medical issue in the past, when my father suffered a one off mini stroke 3 years prior. That condition had long been resolved via an operation (on his brain of all places, it was a scary time, but he came through unscathed) and he's never had an issue since. We were able to respond to that query very promptly (within the 14 days) and the next communication was the licence being granted 2 months later. DVLA have been very slow in responding every step of the way.  I realise by not disclosing the mini stroke at the time, and again on renewal (had I known I'd have encouraged it) he was potentially committing an offence, however that is not relevant to the current charge being levied, which is that he was unable to rely on s88 because of a current medical issue (not one that had been resolved). I could be wrong, I'm not a legal expert! The letter is a summons I believe because its a speeding offence (59 in a temp roadworks 50 limit on the A1, ironically whist driving up to visit me). We pleaded guilty to the speeding but not guilty to the s87.  DVLA always confirmed to me on the phone that the licence had not been revoked and that he "May" be able to continue to drive. They also confirmed in writing, but the letter explains the DVLA offer no opinion on the matter and that its up to the driver to seek legal advice. I'll take the advice to contact DVLA medical group. I'm going to contact the GP to make sure they received the SAR request for data, and make it clear we need to see a copy of the opinion letter. In terms of whether to continue to fight this, or to continue with the defence, do we have any idea of the potential consequences of either option? Thanks all
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Missed payments with Welcome finance


bigshaund
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Ive just started to grab my debt by the scruff of the neck and get it sorted. First step was pay off overdraft, close account and open building society account with no debit card or credit facilities!

 

I have a secured loan with welcome but due to large mortgage payment every month aswell as other things Ive paid one installment in the last 6-8 months. Now looking at my credit file, it has 8 missed payments and states that the credit agreement has ended as the account is now in default.

I know ive only got myself to blame but its just seemed that for the last 12 months my (decent enough) wage has been going in and coming out so quickly that ive fallen behind specifically with welcome.

 

Im not trying to weasel out of paying as I took the loan out and knew the payments.

 

Im just after some advice as to where to go from here, should I contact welcome? Wait til they contact me?

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urm...

well i think you need to have a look around this forum

 

welcome have, all bar the crossing of the 't's gone down the plughole.

 

i would not believe anything they tell you either.

 

there are prob rathe big holes in their agreement and p'haps PPI? too.

 

i'll let you read in this forum for a while then p'haps post back when you want more help.

 

a scan of your agreement might well help, but please remamber to remove all pers details/barcodes first.

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Cheers dx,

 

Ive had a look on here quite a bit aswell as MSE website. Suppose Im just looking for any advice more suited to my personal situation.

 

Im just wondering how to approach it, my rights etc. If I contacted them to set up a standing order, try to reduce the monthly payment etc I dont want to be fed a load of bull telling what I can and cant do as from these forums Welcome seem to do alot of that!

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I have a secured loan with welcome but due to large mortgage payment every month aswell as other things Ive paid one installment in the last 6-8 months. Now looking at my credit file, it has 8 missed payments and states that the credit agreement has ended as the account is now in default.

Shaun, personally I wouldn't go to Welcome asking for a re-write at this stage (even if they are still doing them). Also note that just because they have put a default (8 missed payments) on your credit file it doesn't mean the agreement has ended. That only happens when they send you a termination notice, or take some other action that effectively shows they have terminated the agreement.

 

However, since your credit file is showing the account as defaulted Welcome should have sent you a default notice. Do you have that (Welcome are very good at not following the quite precise regulations governing form and content of Default Notices)? Do you have a copy of the agreement?

 

Can you give us some broad brush details about the secured loan? Such as amount, term, when taken out, approximately how much you have paid. Did you get an annual statement in October? If so, are there an excessive quantity of charges? Do you get lots of phone calls from Welcome chasing payment? It would be very unusual to miss the number of payments you have without a high level of attempted enforcement action from Welcome. If they are very quiet with you it may give certain clues.

 

I would start by sending a CCA request to Welcome (Compliance Department in Nottingham), letter in template library, print don't sign your name, enclose £1 postal order. Let's see if they have your agreement.

 

Then about a week later send a SAR (again to Compliance), print don't sign your name, enclose £10 postal order.

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Thanks Iain,

 

Ive had letters from them in the recent months and one answered phone call by my GF in november. They said that a payment no matter how much would need to be made in december and that they would cancel the direct debit to stop any further charges. Low and behold, novembers direct debit was still attempted by welcome even though they had plenty of time to cancel it.

 

Ive got the file at home with everything and all my paperwork in it, Ill try and get the info scanned on here tomorrow for someone to have a look at.

 

Ive got a couple of CCA and SAR template letters already. Do these look about right?

 

CCA request

 

Dear Sirs,

 

Account No: XXXXXXXX

 

I hereby formally request a copy of my Consumer Credit Agreement, pursuant to s.77/78 of the Consumer Credit Act 1974.

 

I require you to provide me with a true copy of the credit agreement relating to any account you deem to be mine, together with any other documentation the Act requires you to provide. I expect you to comply fully and properly with this request, within the statutory time limit (12 + 2 days). You are reminded that should you fail to comply with my request; the provisions of s.77 will apply.

 

If it is your view that you are not the creditor, s.175 of the CCA 1974 applies in the case of a simple assignment, and places a duty upon you to pass this request to the creditor. In the case of an absolute assignment, you are a creditor as defined by s.189. If you contend that you purchased the rights but not the duties of any agreement, you are reminded that s.189 of the Act is clear that an assignment is of both rights and duties. Your attention is drawn to ss.5(2), 3(b),6 and 7 of the Consumer Protection from Unfair Trading Regulations 2008 (CPUTR).

 

Attached is payment in the sum of £1.00, which is the statutory fee - Note that these funds are not to be used for any other purpose.

 

If you are unable to comply fully and properly with this request, you should confirm this in writing at the earliest opportunity, and certainly within the statutory time limit for compliance, and return the fee and then remove the incorrect entry from your systems.

 

I do, expect the main actions to be dealt with, as matter of course, and look forward to hearing from you within the prescribed timescales quoted.

 

 

Yours faithfully

 

 

 

 

Sign digitally >>

 

 

SAR request

 

 

Account No: XXXXXXXX

 

Please supply me with a copy of all information your company hold on me including a list of accounts and details of payments.

 

Under the Data Protection Act 1984 and 1998, and including the right of subject access under these acts, I hereby request that you supply me with any and all historical data in your possession which relates to me and am entitled to under section 7(1) of the Act.

 

If you store any of the older records on microfiche, please be aware that the Information Commissioner deems this to be a relevant filing system under the Act. As such, any microfiche data must be sent to me in fully legible and comprehensible form.

 

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 business with you.

 

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 against me or collected monies to which you were not entitled, then I shall be reclaiming them and also the enclosed £10 Data Protection Act subject access request fee.

 

Yours faithfully

 

 

 

 

[/font][/color]Sign digitally >>

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Those look good enough to me. Personally there are a couple of things I would change in the CCA request.

I hereby formally request a copy of my Consumer Credit Agreement, pursuant to s.77/78 of the Consumer Credit Act 1974.

In your letter I would just refer to s.77, since that is the one that deals with fixed sum loan agreements.

 

I expect you to comply fully and properly with this request, within the statutory time limit (12 + 2 days).

I would change that to "12 working days from your receipt of this request".
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urm...

well i think you need to have a look around this forum

 

welcome have, all bar the crossing of the 't's gone down the plughole.

 

i would not believe anything they tell you either.

 

there are prob rathe big holes in their agreement and p'haps PPI? too.

 

i'll let you read in this forum for a while then p'haps post back when you want more help.

 

a scan of your agreement might well help, but please remamber to remove all pers details/barcodes first.

 

dx

 

Hi, I am looking for a good solicitor who has taken on WFS and won, know of any pls?

I too have secured loan and unable to meet repayments. Had lots of trouble with them and wrote to FOS, they have not been that helpful and seem to either not want to know or can't be really bothered to read orinvestigate problems I have had.

Got sent back some of what could loosely be regarded as WFS paperwork and I have noted that the signatures are not like mine! I cannot write like that! I have tried many times in the last 24 hours since receiving the letter from FOS (Xmas Eve!)

Some of the statements that WFS have made are to me fabricated and untrue and I have written proof on a couple of letters from various people to show this.

Please can you give me a few pointers or maybe you know someone who knows someone.

Like you I stupidly took out a sec loan, I thought I was a woman who had a few brain cells too.

Any information would be great and grateful to you all.

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Being conned, welcome to the forum... best advise is to start your own thread by clicking here . This will enable us to follow your progress and give advise on the way, also acts like a diary for your own referance.

Seems like you have done a lot of the foundational groundwork so why pass it onto a solicitor to then put his charges on, seriously let us know were you are upto, post your agreements up on your new thread (removing your personel details) and we can advise you further and follow our direction, welcome has and are going further under, lets work together and get what we can now based on the legal system and the expectation that we all wish to be treated fairly and within the scope of being legal, lawfull and have enough self respect to demand a level of morality these ppl do not have. ....

 

 

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Hi i'm new to this forum and just been reading this thread. I agree with alot of the points wfs in the past have missplaced agreements and you may find they can;t even find yours. Also you may find high collection charges entered on your account but this thread seems to be veering towards the intent on not repaying the money initially borrowed which i'm sure people spent. If you do genuially want to pay the money owed and have a problem paying it or with the ppp sold can you not just cancel the ppp (send wfs a letter recorderd deliv) and then go to cccs (consumer credit counselling service) welcome have a seperate department to deal with this and on all debt managements will zero the interest and cccs is free therefore you won't pay them a fee, wont' pay any interest and will be paying an affordable amount based on your own personal circumstances

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Hi i'm new to this forum and just been reading this thread. I agree with alot of the points wfs in the past have missplaced agreements and you may find they can;t even find yours. Also you may find high collection charges entered on your account but this thread seems to be veering towards the intent on not repaying the money initially borrowed which i'm sure people spent. If you do genuially want to pay the money owed and have a problem paying it or with the ppp sold can you not just cancel the ppp (send wfs a letter recorderd deliv) and then go to cccs (consumer credit counselling service) welcome have a seperate department to deal with this and on all debt managements will zero the interest and cccs is free therefore you won't pay them a fee, wont' pay any interest and will be paying an affordable amount based on your own personal circumstances

 

this is a VERY bad idea where welcome are concerned.

 

they have probably ripped your off big time already:D.

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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