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    • Good Evening, I've got a fairly simple question but I'll provide some context incase needed. I've pursued a company that has operations in england despite them having no official office anywhere. I've managed to find a site they operate from and the papers there have been defended so I know they operate there. They've filed a defence which is honestly the worst defence ever, and despite being required to provide their witness evidence, they have not and have completely ignored the courts and my request for copies of it. I'm therefore considering applying to strike out their defence on the grounds the defence was rubbish and that they haven't provided any evidence for the trial. However, it has a trial date set for end of june, and a civil application wouldn't get heard until a week before then, so hardly worth it. However, my local court is very good at dealing with paper applications (i.e ones that don't need hearings, and frankly I think they are literally like 1-2 days from when you submit it to when a Judge sees it. I'm wondering if I can apply to strikeout a defence without a hearing OR whether a hearing is required for a strikeout application.   Thanks
    • I have just opened another bank acc with lloyds (i have a few already) After doing some research they may have some relation to tsb or be apart of the same group will this cause me issue if my salary is paid into my lloyds account? Also, if the debts do go into default and nothing is paid then after 6 years it all goes away? As the DCAs cannot do anything? I do want to start paying in like 3/4 months or do you advise I leave it if it goes into default? again sorry for all the questions, i am just processing everything
    • one reply only  follow post 2 of letter of claim <<clickme link. dx
    • Sorry, I got confused  Yes, it states all three   Thanks, 
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welcome nightmare


The Canteen
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Hiya Canteen, glad you found us we are a gentle bunch really lol . . .

 

What do you meen by you cannot print ? have you got the SAR or is it comp problems you are having ?

 

Were are you upto with welcome finance ?

 

 

 

Subject Access Request

 

WELCOME FINANCIAL SERVICE

COMPLIANCE

RUDDINGTON FIELD BUSINESS PARK

RUDDINGTON

NOTTINGHAM

NG11 6NZ

 

REMEMBER THE £10 POSTAL ORDER AND SEND RECORDED DELIEVERY

 

Never sign but print signature.

 

 

[your address]

 

 

 

[their address]

 

 

[DATE]

 

 

 

 

 

Data Protection Act 1998

 

 

 

 

 

 

Dear Sir/Madam

 

 

 

ACCOUNT NUMBER: xxxxxxxxx (or multiple numbers if more than one account)

 

 

 

Please supply me with copies of all the data which you hold on me in relation to any matter and in any form and for any period of time.

Please note that I require disclosure of any personal data which you hold on me for the entire period of my dealings with you.

The Subject Access is not limited to my transaction history and it is not linited merely to 6 years of historical information.

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 financial business with you.

I require all information on details of all insurance products supplied by welcome financial services. This is to include the statement of means, statement of price, details of all insurance premium tax paid, and underwriting sheets.

If mortage indemnity insurance has been added to the agreement, i require all details on who this premium was paid to, and who underwrites this insurance.

 

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 or charges which are invalid under the Unfair Terms in Consumer Contracts Regulations against me, then I shall be reclaiming them together with any interest charges which you have levied on them.

As it is your wrongdoing and mishandling of my account which has created the necessity for this Subject Access Request, I shall also be reclaiming the enclosed £10 Data Protection Act subject access request fee.

 

If there is specific information which you require in order to satisfy yourself as to my identity, please let me know by return. However, please note that the above address is the one which you normally use to communicate my private business to me and which you have hitherto found to be acceptable.

I would be happy to collect the Data from my local branch.

 

 

Yours faithfully,

 

 

[signature]

 

 

[name]

 

 

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Thank you so much:)

On with the saga hope you can help.

Took out welcome loan in 2005 had no problems for 4 years paid by DD, then changed jobs after 7 months company went into administration, that is when it hit the fan got behind with payments and was offered reduced payments if they re wrote my loan i declined,after lots of harrasment from the branch i started paying what i could for 6 mths then benifits stopped at the time i thought it was better topay my mortgage even though it is a secured loan, was unemployed for a few months with very little coming in till i found work last july started paying welcome again they excepted reduced rate after a couple of months the phone calls started 5-6 aday landline ,mobile even called me at work when i hadnt given them the no, this is when it started in oct 09 i asked for a copy of my aggrement to find i had ppi,homecare,medicare and life care which i never new i had.

So i sent letter demanding a refund as they didnt respond in the time scale i went to the fos who have been brilliant , welcome have till 26/2/10 to come up with something.

After waiting and reading this forum i dug out agreament to find some things dont add up as i say dont have all pages, on one page it states the date as the 01/03/04 i didnt take loan out till april 05,also why would it not show how much intrest i will be paying this is why i want sar

 

hope you can help:)

 

sorry for spelling as im so tired on nights

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  • 2 months later...

hi anybody can somebody please help me,after requesting subject access report which took longer than 40 days i sent it to the fos who have been a big help welcome have agreed to refund ppi and other insurances only if i re write a new loan, On cheeaking paper work i have found a lot of mistakes and i dont know were to go next

 

please help

angela

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This is a long story i took a secured loan out with welcome in 2005 with no problems till 2008 when i became unemployed and missed a few payments,then all the calls started home,mobile,work it just got me down so i buiered my head in the sand thinking it would go away was i so wrong then i saw a thread about ppi when i asked welcome they said i couldnt claim as i was only in tempory work so in oct i requested sar which they chose to ignore. So this time i found a templete and sent recorded allowing them 40 days, they didnt respond so i sent it to the fos they were brilliant, got a letter back saying welcome would refund ppi plus 3 other insurances i didnt know i had great ONLY IF I DO A REWRITE. I thought about it and looked deeper in to agreement to find things didnt add up dates wrong,papers missing,documents witnessed by i dont know who since then i have requested legal charge document but they carnt supply me with one that is readable dont know were to go next

 

somebody please help:):):)

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can you scan the paperwork blocking out your personal details so we can see what the issues are?

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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well canteen what a story!!

 

ppi reclaim usually comes with rewrite but sounds like theres alot more pressing issues than that with their lack of readable documents, wrong dates etc

 

do u already know whats wrong with it all or do u need some help deciphering?

  • Haha 1

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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i have always heard on here not to rewrite costs more in the long run

 

so why if welcome have made an error do you have to rewrite

 

resign under your conditions maybe?

 

please be aware

 

i am not an expert

 

essexboy

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2 threads merged.

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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i have always heard on here not to rewrite costs more in the long run

 

so why if welcome have made an error do you have to rewrite

 

resign under your conditions maybe?

 

please be aware

 

i am not an expert

 

essexboy

 

 

In general rewrite is not a good plan in the case of PPI refunds they have to rewrite to take off the PPI as a % is included in the monthly payment so by rewriting without PPI payment 'should' be lower unless term is less

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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Thank you so much:)

On with the saga hope you can help.

Took out welcome loan in 2005 had no problems for 4 years paid by DD, then changed jobs after 7 months company went into administration, that is when it hit the fan got behind with payments and was offered reduced payments if they re wrote my loan i declined,after lots of harrasment from the branch i started paying what i could for 6 mths then benifits stopped at the time i thought it was better topay my mortgage even though it is a secured loan, was unemployed for a few months with very little coming in till i found work last july started paying welcome again they excepted reduced rate after a couple of months the phone calls started 5-6 aday landline ,mobile even called me at work when i hadnt given them the no, this is when it started in oct 09 i asked for a copy of my aggrement to find i had ppi,homecare,medicare and life care which i never new i had.

So i sent letter demanding a refund as they didnt respond in the time scale i went to the fos who have been brilliant , welcome have till 26/2/10 to come up with something.

After waiting and reading this forum i dug out agreament to find some things dont add up as i say dont have all pages, on one page it states the date as the 01/03/04 i didnt take loan out till april 05,also why would it not show how much intrest i will be paying this is why i want sar

 

hope you can help:)

 

sorry for spelling as im so tired on nights

 

Hi canteen what documents were dated before you even took the loan? as in what is the heading of the docs?

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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Canteen, you may want to check out going a bot more for the jugular, the rewrite is not favourable as has been advised they get to take interest from you for potentially longer - hence profit!

 

I would argue that as you were missold PPI AND when you had a legitimate claim (Redundant/out of work) they failed to encourage you to claim they firstly confirmed that they missold the PPI but secondly put you at a disadvantage by trying to collect from you in that period when the PPI should have covered your payments.

 

I would suggest that you ask for not only a full refund of the PPI, also for the missed payments when a claim would have been valid AND for interest to be refunded as well as charges and any payments that have been made by you too - I would think that to offer you a zero interest rate from now on would also be a fair ask, they are trying to cover the cracks of poor advice and come out of it smelling like roses - don't let them!

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