WELCOME FINANCE

[DeeJayCarl]

Well guys, its UPDATE time!! I have received a re-adjusted loan agreement form by registered post (10/3/2010) from their Insurance Cancellation Team (another new one!!) + after winding up the Debt Collections team enough on the phone managed to finally get them to send me a 'Default Notice' (arrived 11/3/2010) which I have to pay in 14 days!! (not a chance!!) but thank you for finally listening after 2 years!!!

 

Just to show the extreme stupidity of Welcome Finance to anyone else who reads this they said to telephone the undersigned immediately......yes you've guessed it no telephone number OR undersigned + they may apply for an attachment of earnings from my employer (I'm self-employed!!) + I also got the standard DO NOT IGNORE THIS LETTER leaflet. They also mention I'm in breach of my agreement because i wouldn't pay the PPI & Lifecare, that is amazing because The FOS have already ruled in my favour July 09 agreeing that Welcome illegally put both those insurances on my account so in reality Welcome have breached the credit agreement!!

 

I am going to ask Martin Lewis's Team, Media, Press and anyone else in the UK that has had problems with Welcome Finance if they would like to join me on my Court day when it finally happens as I intend to fight them all the way!!

[ozzywizard]

attachment of earnings from my employer (I'm self-employed!!)

 

This they cannot do, only a court can action. my guess this letter had withour predjudice headed, am I right ?

[DeeJayCarl]

No they didnt put without predjudice!!

[ozzywizard]

Well in that case Carl you should keep hold of that letter as a judge will not take kindly to them trying to do his/her job.

[DeeJayCarl]

Thanks ozzywizard!! I have all the paperwork in chronological order prepared in a huge box file since this all began and have more than enough paperwork to go to Court tomorrow if necessary!!

[BEBOBEBO]

I got a Default notice with the same contants 3 weeks ago

 

http://i870.photobucket.com/albums/ab266/rottweilermick/defaultnotice.jpg

[ozzywizard]

Exelent Bebo that answwrs that question, I understood it to be just a letter. It is a default notice and within they have to lay out what action would be taken if not paid in 14 days. . .this action is to apply for attatchment of earnings which they will have to do through court, it is not somthing they can do themselves as only the court can sanction.

[DeeJayCarl]

Correct ozzywizard and we all know they dont want to go to court or they will have a black mark registered against their business!!!

They did say however while on the phone while I was pushing them to get this paperwork that they would pass this on to a Debt Collection agency which signifies that they are going to sell the debt on if I don't conform to the 14 day payment period so they dont have to bother!! It's starting to get interesting......

[BEBOBEBO]

So where do we stand with the DN's? mine is well past 14 days now

[EBOY]

I got the same default notice about the same time. I have given up dealing with welcome a long time a go because they could never tell me why my settlement figure was always higher than my balance! Bunch of idiots at best.

 

I phoned the cccs I think that was given on the accompanying letter. When I explained the settlement figure they suggested it might be easier just to get the default and deal with whoever takes on the debt.

 

Welcome will not see another Christmas and indeed may not make it past this summer. Everyone is just waiting on the end game ending.

[DeeJayCarl]

Bebebebo: With regards to the DNs it would appear that if it is well past the 14 days for you then they will probably go to the next stage which will be to get a decent sized list of other people who refuse to be intimidated by them and then Pass it on/Sell it on to a Debt Collection Agency.

 

All you do if that happens is when they (the Debt Collectors) contact you, tell them that you have a pending court date request with Welcome and that it is not their concern or business and they should pass it back to them as Welcome are not facing their Legal obligations!

 

UPDATE: Welcome would not acknowledge that they have received the letter requesting a Senior Executive to meet me last week with a view of sorting the problem once and for all (the third over 9 months) very strange that all other post arrives to them no problem.

 

To remedy the latest batch of useless paperwork Welcome have sent, I have sent 5 independant letters, one to every dept that has been dealing with the alleged default over the last year so that there can be no telling me that they haven't received it!! The contents of the letter are in summary saying to them that I will no longer be intimidated by them and I want a Small Claims Court date asap and any further contact from them other than to give me the court date will be considered harrassment!!!....watch this space

 

In the meantime I am re-writing to the Financial Ombudsman to inform them that Welcome have not carried out their Legal Obligation in a satisfactory or reasonable amount of time, I was awarded compensation July 09 and to date nothing!!!! Does anybody know whether the black mark stays on your credit file if or when Welcome go into receivership or can the Credit agencies, Ombudsman remove the black mark or does it come off automatically??? This seems a grey area!!

[DeeJayCarl]

13 days and counting..........

[DeeJayCarl]

I for one have absolutely no sympathy at all for anyone who works for Welcome and loses their job because you can't possibly be that nieve that the Company you work for is practising honest business with this many complaints and offices shutting all over the place!! No smoke without fire!

[DeeJayCarl]

What goes around comes around!!

 

Incidentally I have paid my loan and Interest over 2 years ago but have refused to pay the front loaded PPI and Random Lifecare 24 that they put on AFTER I left the office. The Ombudsman awarded the case in my favour and I have been waiting indefinitely since July 09 for the promised £200 compensation!

 

To Show Welcome Finances stupidity they recently sent me a Default Notice letter from their Legal Dept telling me not to ignore it and call the number or write immediately to the sender on the letter to sort the issue out....well you've probably guessed....NO signature, no name, no originator office in fact no way of knowing where or who it came from... thats professionalism for you!

[DeeJayCarl]

I now have 14 days to pay the ficticious balance (13 days gone so far!!) OR ELSE!! If anyone from Welcome is reading any of this Good Luck with the OR ELSE.....................

[DeeJayCarl]

Welcome Update: Well this is quite interesting... I have had a letter from Lewis Debt Recovery a few moments ago TELLING me to pay £2966.77 for the PPI, Life Insurance + Interest by no later than the 2nd April or ELSE. Its the 3rd today so I don't see how I can do that even if I wanted to (which I don't!!)

I told you they would pass it onto Debt Recovery because they don't want to go to court themselves. This way they don't get the hassle and the debt recovery people have to do the Court action instead and put the pressure on.

 

I am just about to call Lewis Debt Recovery and tell them to pass the debt back to Welcome as in my case it is illegal, they are chasing money which has been proved by Government Officials I don't owe. Two can play the Legal game....bring it on.....!!!!!!!!!!!

[Major Player]

Carl, for your information, if you want to get to the top of The Lewis Group, the Managing Director is a guy called David Berry, also someone quite high up is Roger Eagles, boh at the Cleckheaton address probably on their letter.

 

The Lewis Group are part of Cattles (Same as Welcome) so its the same bunch of muppets who are "dealing" with your account.

[DeeJayCarl]

Thanks major player, I will bear that in mind when they call (hopefully) on Tuesday!!!

[princessrachellucy]

i wish u all the luck with this, they need shutting down sooner rather than later

[mark1arby]

i wish u all the luck with this, they need shutting down sooner rather than later

 

We ALL Know that!!! It`s convincing the People who matter that is what should happen!!!

 

Unfortunately the People who are supposed to matter and be on the Consumers side appear not to Care!!! :mad:

 

Cheers, MARK

[DeeJayCarl]

Hi Bev50uk,

 

I have just past the 14 day deadline that The Lewis Group have sent by 4 days due to Easter Weekend but I sent them an email last week advising them that I wasn't ignoring them and that Welcome were chasing an Illegal balance and recommended they pass it back to Welcome!

 

They phoned me twice yesterday (once in the morning and once in the afternoon) to say that my case has officially been passed back to Welcome! The Lewis Group are employed by Welcome but are not owned by them and Welcome do not tell them the circumstances of the debt, only that they want it collected. Debt collection agencies are very used to companies not being straight with them so be polite but firm when you email or phone them...!!

 

If you are 100% sure that you don't owe them anything then DON'T pay anything, otherwise it will be harder to get back due to their predicament at the moment. Don't be intimidated by them because they are trying all sorts of bully boy tactics to claw back ANY money they can...

[Pitsy]

But the Lewis Group are owned by the Cattles Group who also own Welcome, so you can bet the same dirty tac-tics are used by Lewis to claw in money, two of a kind in my book, trust neither, in fact it would not surprise me if ex Welcome branch staff are being employed by Lewis as the branches slowly but surely vanish of the map, and it will then be a centalised collection outfit, which I bet ends up with the Welscum name being dropped but being fronted by Lewis until the Welscum loan book is cleared.

Edited April 7, 2010 by Pitsy

[DeeJayCarl]

Hi Bev50uk,

 

I have just past the 14 day deadline that The Lewis Group have sent by 4 days due to Easter Weekend but I sent them an email last week advising them that I wasn't ignoring them and that Welcome were chasing an Illegal balance and recommended they pass it back to Welcome!

 

They phoned me twice yesterday (once in the morning and once in the afternoon) to say that my case has officially been passed back to Welcome! The Lewis Group are employed by Welcome but are not owned by them and Welcome do not tell them the circumstances of the debt, only that they want it collected. Debt collection agencies are very used to companies not being straight with them so be polite but firm when you email or phone them...!!

[DeeJayCarl]

I was advised by The Lewis Group Reps to contact Welcome again to get my complaint dealt with (AGAIN) but I have had over 2 years of it so I am not going to bother because we all know that no one in Welcome has the faintest clue what they are doing and are rude, arrogant script reading losers who in my opinion deserve to lose all their jobs because they haven't got the balls to stand up and say this is WRONG!! Go down with your sinking ship...LOSERS!!!

[DeeJayCarl]

Welcome Update: I have passed the 14 day Lewis Debt Collection Time Limit by 5 days and they have called me (Tuesday after Easter) with reference to my email I sent in response to their Demand.

Quote: We have referred it back to Welcome Finance because there is a dispute Notice written on your File so you will have to call them to sort out where it goes from here!

I don't think so...... I will wait until they all burn in Hell and lose their jobs before I do that!!

Everybody knows its a waste of time calling or writing to them due to their inability to read, write, comprehend or deal with a situation without trying some sort of underhand tactic or passing you around their endless loop of Departments on the Prime 0870 make us money while you wait cash point number.

Is there no one at Welcome who has the balls to stand up to their own company and come forward and give evidence...or are you just going to go down with the sinking ship!!??