Welcome Credit Agreement - Manipulated?!?

[drob]

Hi slick132

 

I will send a letter as suggested today and see what Lowell's response is. Thank you so much for your help so far.

[drob]

Update

 

Lowell have no responded and have told me that both credit agreements are held at Welcome Finance and are available for inspection. They have given me 30 days to respond before starting collection activity.

 

As the original default notice is invalid how does this come in to play regarding the agreement or am I best keeping the invalid default quiet in case it goes to court?

[citizenB]

Why can they just not copy them to you ? Or are you wanting to see the originals? In which case they can ask you to inspect at the Welcome office

[citizenB]

Keep the dodgy default notice as a back up plan

[drob]

Keep the dodgy default notice as a back up plan

 

Thank you for your reply & I will keep the dodgy default notice as a back up plan...

 

I have an original copy of the agreement which included PPI before I cancelled it.

 

Once I cancelled the PPI Welcome issued a new account number and new agreement which I had allegedly signed. Welcome denied that they had never issued a new agreement and told me that they didn't need to even though I had cancelled the PPI. However, despite Welcome claiming that they had never issued a new agreement I have 2x photocopies of a new agreement with the PPI removed, signed by myself. I believe that my signature has been tampered with and copied & pasted from the old agreement.

 

At the end of the day I did take a loan out with Welcome, however I have dug me heals in and disputed the agreement and charges since 2010

[slick132]

Hi Drob,

 

Are you able to visit their office to inspect and photograph the documents, or are you too far away to do this.

 

Otherwise, WSecome Finance have offices here - http://www.wfs.co.uk/contact-us

 

Tell Lowell that you require that the original doc'ts be sent to an office near you so you can attend and photograph the originals for professional inspection.

 

Edited May 23, 2013 by slick132

[drob]

Hi Drob,

 

Are you able to visit their office to inspect and photograph the documents, or are you too far away to do this.

 

Otherwise, WSecome Finance have offices here - http://www.wfs.co.uk/contact-us

 

Tell Lowell that you require that the original doc'ts be sent to an office near you so you attend and photograph the originals for professional inspection.

 

 

 

Hi slick132

 

My nearest Welcome Office is Nottingham 119 miles away so it's a bit of an inconvenience to travel that far...

 

What annoys me is that Lowell have purchased my account from Welcome, but every time I write to Lowell they then have to contact Welcome. I'm just fed up of going round in circles.

[slick132]

Ok, so unless you're prepared to travel to see the doc'ts, you will need to take another approach.

 

You could simply call their bluff saying you doubt the authenticity of one of the documents and would Lowells therefore have proper copies taken of each document and send them to you for inspection. If they fail to agree, it may be that they too are suspicious about the the two documents and this may deter them from taking the case to court.

 

[drob]

Ok, so unless you're prepared to travel to see the doc'ts, you will need to take another approach.

 

You could simply call their bluff saying you doubt the authenticity of one of the documents and would Lowells therefore have proper copies taken of each document and send them to you for inspection. If they fail to agree, it may be that they too are suspicious about the the two documents and this may deter them from taking the case to court.

 

 

Hi slick132

 

Thank you for your reply...

 

Another reason for not being able to travel over 100 miles to Nottingham is that I have recently had spinal surgery and i'm currently unable to drive and I'm off work so i will try the approach you have suggested.

 

At the end of the day I took the loan out, however I refuse to pay any additional fees & penalty charges, they have cobbled together a second agreement which one minute they say they never sent and now they have a photocopy and the default notice issued is invalid.

 

Do you think I should make an offer to repay the original loan amount minus what I have already repaid & minus additional fees, intereset & penalty charges and see what Lowell come back with?

[slick132]

I think Lowell have just given a basic reply to your question and said, "Yes, the doc'ts are with Welcome and available to see."

 

But I'm not sure they see the reality of the situation - that one of the doc'ts must, in your opinion, have been forged.

 

You can obviously pay them as much as you want but I think you should firstly establish what documents they have to prove the debt(s).

 

I'd ask them to supply good quality photos or scans of the 2 documents so you can see them properly.