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    • jk2054
      Santuary Housing

      By jk2054 · Posted

      Hello, Just to check I understand things right, he moved to a nursing home, you then kept paying the rent for a period of time whilst you sorted his belongings. You have asked to give notice and asked for backdated payments of rent from when you first asked which went ignored? They are still taking rent payments.   Have I understood correct?   If I've got anything wrong please correct me.
    • finaldj
      Santuary Housing

      By finaldj · Posted

      I contacted Sanctury housing in August 2023 after informing them my father in law who had Dementia had moved into a Nursing home December 2022. We kept the flat for 8 months until such a time we could accomodate some of his furniture that my wife wanted to keep. I contacted them in August 2023 to let them know the situation by email as I was the named person that could speak on his behalf. I informed them that we had left it to late for POT and were seeing a solicitor for Deputyship of his financies. I asked them what information would they need in order to give notice on the flat and we could provide details of his condition and nursing home. This went ignored I left it a month and then called them October 2023. I was promised a call back from a manager over the next few days. This never happened and it was end of November when I contacted them again and they had no record of me calling them. I explained the email and again I was told the local manager to the area would call me. This never happened and I ended up emailing them in January 2024 with a copy of the email from August. Again this went ignored and I had explained to them that we couldn't just go to the bank and stop the DD as we had tried. This email again went ignored. I then had a letter written to our home address in February asking us to get in contact with them (local manager) as they were concerend nobody was living in the flat. He had an email address so I copied in the last 2 emails to say I had been trying to give notice since August 2023. I also stated that I would like the rent that was paid from August 2023 refunded back to his account as I had officially tried to give notice then and it went ignored. He replied to us about wanting to look at the flat then notice could be given once he had contacted the nursing home to confirm he was actually living there now. Notice was giving for the 22 March 2024 and this would be when rent would stop and no further payment would be taken by this point. The fact I asked to be back dated went ignored. I have since noticed on 2 banks statement for April and May that they are still taking Rent payments of £501 from his bank. Further to this which seems very strange. He was with Eon Next for his utility bill again we were having problems getting this stopped as they needed a named person on his account which there wasn't one despite me managing his online account for him. I didn't check the email address that often that I used to set it up and went to check as noticed the credit he had built up with not living there was all getting refunded in February. The email said £600 would be refunded to his account with a (sorry you are leaving us message) but how can he leave as nobody but himself had access to speak with them. I also noticed the lady in the flat above him had a letter from her bank sent to his address with his address details but his name which was dated 4th March well before we had given notice and it said (thank you for giving us your new address details) we have set all this up for your account.   So Sanctuary housing must have been aware he wasn't living there from the ignored emails for the lady above to start changing address details to move into his flat before the housing manager had even got in contact to ask if anyone was living there. What I basically want to know his do we have any legal standing to claim the rent back from when I first contacted them in August 2023? There is roughly £3000 to come back  
    • dx100uk
      Debt advice

      By dx100uk · Posted

      lowell letter = we've mugged you once - why are you not paying this other debt....😎
    • dx100uk
      Returned NIP Nov23 - Heard Nothing - Now It's been returned as refused and have SJPN Form

      By dx100uk · Posted

      i see you are posting this all over the internet too. here you say it was returned by the safety camera dept UK, Wales Returned NIP Nov23 - Heard Nothing - Now It's been returned as refused and have SJPN Form. Help please? WWW.FTLA.UK UK, Wales Returned NIP Nov23 - Heard Nothing - Now It's been returned as refused and have SJPN Form. Help please?  
    • axil23
      Wrong settlement quote given on PCP.

      By axil23 · Posted

      I see what you mean. I will wait till the 8 weeks is up and then take it up with FOS. Before I do will be on with some more details on the SAR. Thank you once again. 

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Parcel delivery insurance is prohibited under section 57 – Consumer Rights Act – Read about It Here and in The Times.

Missed payments with Welcome finance

bigshaund

By bigshaund
in Welcome Finance

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because no one has posted on it for the last 5258 days.

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Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

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Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

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bigshaund

bigshaund

Posted
Posted

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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dx100uk

dx100uk

Posted
Posted

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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bigshaund

bigshaund

Posted
  • Author
Posted

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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IainHL

IainHL

Posted
Posted
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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bigshaund

bigshaund

Posted
  • Author
Posted

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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IainHL

IainHL

Posted
Posted

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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being conned

being conned

Posted
Posted
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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ozzywizard

ozzywizard

Posted
Posted

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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emmck

emmck

Posted
Posted

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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dx100uk

dx100uk

Posted
Posted
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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