Welcome Finance.

[lostinspace1000]

Has anyone tried to launch a complaint against an employee of this company? Tried to launch several complaints against a member of staff but head office just keep fobbing me off. What this chap has done is unacceptable as ive written several letters to him requesting all communications to be done in writing...he seems not to be able to read as he still phones, and what really 'gets on my goat' is he phones work and this i demanded was to stop. Any suggestions?

[leanne82duke]

i would consider going to the police, how long has it been going on for? x

[lostinspace1000]

only about 5-6weeks....seems pretty lame. ive looked through the OFT and trading standards website, so my next letter will be containing some interesting quotes. of course it shall be reg post as these clowns will probably deny getting it. Im afraid the police can do nothing about it, they wouldnt be interested. Many people in their jobs dont really know as much as they should, i find this with some bank clerks.

[mark1arby]

Hello lostinspace. There are various Template letters in the Harassment Section Of CAG Libraries. Use the One for Telephone Harassment (obviously) that should bring an end to the calls, but don`t hold your breath. If you send it and he ignores it, is there any way you can record the calls, great. If not, make sure you keep a log of times and dates of all the calls. May be handy later. Here`s the link. Edit it to suit the situation and insist there are no calls to you husbands work or you will contact Trading Standards.

 

5 or 6 weeks is not Pretty Lame. The **** Monkey Shouldn`t Do It!

 

The Consumer Forums - Harassment

 

Has he ever done a " Field Call " to your property?

 

In my mind there are two ways ( three actually, but using the third is only for your own immediate gratification, and will get you in big trouble ) to deal with " Doorstep Visits ". First is to send the Other harassment template dealing with planned visits. They seem to listen to this more than the Telephone one.

 

The other is to wait until he visits again ( if he does this) then dial 999 and report a trespasser who is Stalking and Harassing you. If he is still there when they arrive, which I doubt very much he will be, then make sure the Police Understand that this is a Criminal Offence and they are Not there to side with him, but to Prevent a " Breach of The Peace " and in your view they should escort the Stalker from the property to prevent a " Breach of the Peace " from happening.

 

It may also benefit you to start a thread on the Debt Collection Section. There may be some thing there that helps to give this animal his comeuppance. Even the Legal Issues area might help? Here are the links.

 

Debt Collection Industry - The Consumer Forums

 

Legal Issues - The Consumer Forums

 

Keep us uo to date with any issues or further questions, Please.

Cheers and Good Luck. Regards, MARK

[lostinspace1000]

cheers mate, i shall do.

[mark1arby]

Lostinspace, Has anybody ever visited you at your home, or Husbands Place of Work, in relation to Welscum and your accounts?

[lostinspace1000]

there was a home visit but i was at work. guess they knew i was at my place of employment thats why they 'popped' round. had the pleasure of being charged 25pound for this! well the following day yet another letter was mailed to them(a waste of time seeing that they have a problem reading). Going to ask for a copy of the CCA but i cant find any template letters, are you able to point me in the right direction? cheers.

[ozzywizard]

Your Address

 

Date

 

Dear Sir/Madam

 

Re:− Account/Reference Number 4563210025897412

 

This letter is a formal request pursuant to s.77 to s.79 of the Consumer Credit Act 1974.. I require you to provide me with a true copy of the credit agreement relating to the above account, 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. You are reminded that should you fail to comply with my request, the provisions of s.77(6) will apply.

 

Your attention is drawn to ss.5(2), 3(b),6 and 7 of the Consumer Protection from Unfair Trading Regulations 2008 (CPUTR).

 

I enclose a postal order 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.

 

We look forward to hearing from you.

 

Yours faithfully

 

 

print your name (not sign) and enclose a one pound postal order, send it to head office at :

 

Welcome financial services

Compliance Department

Ruddington fields business park

Ruddington

Nottingham

NG11 6NZ

[mark1arby]

Send the letter Ozz has posted. And The ones I linked. Let`s see what happens.

 

When you get the reply to The CCA Request We will know what charges you have, and what can be claimed back. That £25 for a start. They have 14 days to get this to you. If not then you can legally dispute the agreement, at least until they do send it.

 

When/ If You do have the CCA Post it up for more advice. Then we will send A subject Access Request ( SAR). This will give us the real measure of how they have treated the account and what remarks they have made about you and your husband. They will have put down all calls and visits and the reasons WHY they made them. there should also be transcripts of the actual calls I beleive. These are normally very interesting. We can go from there with a view to sorting out the people at your local office. If it still exists?lol;)

[lostinspace1000]

these monkeys still phone even though i wrote to them several times not to phone.... got a bloody phone call today asking why i was pursing a CCA? Time for the OFT i believe.

[lostinspace1000]

just recently looked at their website and also their employment website....complete tosh.....you know its a mickey mouse job when one of the benefits is discounted CD's and DVD's.....wow just what i always wanted from a job. Did anyone notice that there arent any jobs available, if you go through their list it comes up blank all the time.....bit like a job centre advertising jobs they dont have!

[lostinspace1000]

anyone offered a reduced settlement figure to these people and been accepted? i'm thinking of 10p in the pound, does that sound too generous?

[lostinspace1000]

i have just recently received a default from my friends at welcome, there is no signature at the bottom does this mean the default is invalid? they also talk of a wage arressment can they do this if its a secured loan? the loan is less than 8000 pound. yet i dont understand how its just below 8000 when it started at 8450 2 years ago and i've paid 5000. very creative accountants.

[dx100uk]

sar them

 

welcome notorious for adding unlawful charges and mis-sold ppi

 

dx

[Sand-Dancer0191]

Oddly ....a signature is not a prescribed term of a valid D/N