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    • March 23: As the coronavirus crisis escalates, the UK is placed into lockdown with strict limitations on travel. The Government guidelines state: “You should not be visiting family members who do not live in your home.” The prime minister tells the UK public they "must stay at home". People are warned not to meet friends or family members they do not live with. Those with symptoms had already been told to self-isolate     Friday 27 March: Downing Street On the day Cummings ran out of No 10, his wife, Mary Wakefield, appears to have been already ill, according to her Spectator article about the experience, in which she says: “My husband did rush home to look after me.”   Both Boris Johnson and Health Secretary Matt Hancock test positive for coronavirus, while chief medical officer Chris Whitty says he has symptoms of the disease and is self-isolating.   Mr Cummings said: "I suddenly got a call from my wife who was looking after our four-year-old child. She told me she suddenly felt badly ill." He went home and after a couple of hours his wife felt better and he returned to work. "There were many critical things at work and she asked me to return [to work] in the afternoon and I did." He then "drove up to Durham that night arriving at roughly midnight" with his family.     In spectator articles on 24th and 25th April * Wakefield (wife) wrote in the spectator that Cummings said “I feel weird” and collapsed 24 hours after he came home to look after her * She went on to explain that for the next 10 days “Dom couldn’t get out of bed. Day in, day out for ten days he lay doggo with a high fever and spasms that made the muscles lump and twitch in his legs.” * Cummings wrote that “at the end of March and for the first two weeks of April I was ill, so we were both shut in together.” * The following days, by Wakefield’s account, were a mixture of family idyll and health nightmare, as she made a “palace out of polystyrene packaging” with their son … even as Cummings’s breathing got so bad that she feared he should be in hospital. But 10 days after her husband first fell ill, she said, he began to feel better – just as Boris Johnson went into hospital. That would place the improvement in his condition around Sunday 5 April,     Sat March 28th Is apparently the day Cummings said “I feel weird” and collapsed 24 hours after he came home to look after her His wife went on to explain that for the next 10 days “Dom couldn’t get out of bed. Day in, day out for ten days he lay doggo with a high fever and spasms that made the muscles lump and twitch in his legs.” Cummings wrote that “at the end of March and for the first two weeks of April I was ill, so we were both shut in together.” 10 days from March 28th – would take us to the 7th April.   Mon March 30: Downing Street confirms Mr Cummings is suffering from coronavirus symptoms and is self-isolating.   Tuesday 31 March/1st April: Durham The police have said that on 31 March they were “made aware of reports” of Cummings’s presence in the area and had then contacted the family to “reiterate the appropriate advice around essential travel”.   2 April: During the night, Mr Cummings' four-year-old son "threw up and had a bad fever". Following medical advice, an ambulance took the child to hospital. He was accompanied by Mr Cummings' wife   3 April: Mr Cummings' son spent the night in hospital and woke up the next day having "recovered". He was tested for coronavirus and his mother, who was with him at the hospital, was told "they should return home". According to Mr Cummings, there were no taxis so he "drove to the hospital, picked him up and returned home". He said he "did not leave the car or have any contact with anybody on this short trip".   Sunday 5 April: The ‘Abba’ sighting (despite claims of ten days where he couldn’t get up with a high fever) Cummings alledgedly seen in Garden with AbbA blaring But 10 days after her husband first fell ill, she said, he began to feel better – just as Boris Johnson went into hospital. Which would place the improvement in his condition around Sunday 5 April, … Although the claimed 10 days after the 28th – the earliest point at which Cummings was said to have been symptomatic – would be the 7 April. The Guardian approaches Downing Street about the story, only to be told by a spokesman: “It will be a no comment on that one.” Mr Cummings said "after I started to recover, one day in the second week, I tried to walk outside the house". He confirmed he, his wife and his son went for a walk into woods owned by his father and it was at this point he was seen by passers-by but his family "had no interaction with them". The exact date is not clear but his second week isolating in Durham would have between 4-11th   6 April: At some point in the week leading up to this date, Mr Cummings discussed his decision to travel to Durham with the prime minister. "When we were both sick and in bed," he said, "I mentioned to him what I had done. Unsurprisingly given the condition we were in, neither of us remember the conversation in any detail."   Fri April 10: Number 10 is again contacted for comment regarding Mr Cumming’s trip by the Guardian. Instead of defending the journey, officials declined to comment.   Fri 10th/Sat 11th April: The 14-day period of Cummings’s isolation would have expired on 10/11th April, assuming it is counted from when Wakefield appears to have first fallen ill on 27 March or when Cummings fell ill 24 hours later.   11 April: Believing he had recovered by this date, albeit "feeling weak and exhausted", Mr Cummings said he "sought expert medical advice". "I explained our family's symptoms and all the timings and asked if it was safe to return to work on Monday or Tuesday, seek childcare and so on. I was told that it was safe and I could return to work"   Sunday 12 April: Barnard Castle Wakefield’s birthday, according to Companies House records – they allegedly made a trip to Barnard Castle, a charming town 30 miles from the Cummings’s family property, described on the English Heritage website as having “fantastic views” and “plenty to do for families on a day out”. That detail emerged in an interview with Robin Lees, a retired chemistry teacher who lives in the town. Lees, who says he has a photographic memory, told the Guardian he was “a bit gobsmacked” to see Cummings, and then was so incensed that he made a note of the family car’s numberplate and checked it online when he got home. Cummings acknowledges he drove to Barnard Castle, 30 miles from his parents' home in Durham, with his wife and child. He explained this episode as needing to test his driving was fine before making the long drive back to London. He said he'd been having problems with his vision   Tuesday 14 April: London The Guardian asked Wakefield to confirm whether the family had been in London throughout the lockdown period, but received no reply. Cummings was photographed back in Downing Street on 14 April   Sunday 19 April: ‘bluebell’ woods - Cummings and Wakefield in Houghall woods? Could Cummings have then gone back to the north-east from London? Downing Street is emphatic that he did not. The denial came after another witness claimed to the Guardian and Sunday Mirror that they had seen Cummings and Wakefield on a country walk in Houghall Woods, a beauty spot near his parents’ property in Durham. According to this account, Cummings said: “Aren’t the bluebells lovely?” Cummings says he did not return to Durham   Monday 20 April Cummings seen in London again   May 23: Downing Street statement: “Owing to his wife being infected with suspected coronavirus and the high likelihood that he would himself become unwell, it was essential for Dominic Cummings to ensure his young child could be properly cared for.” The statement said: “At no stage was he or his family spoken to by the police about this matter, as is being reported. “His actions were in line with coronavirus guidelines. Mr Cummings believes he behaved reasonably and legally.” Speaking outside his home, Mr Cummings reiterated: “I behaved reasonably and legally”. When a reporter suggested to him that his actions did not look good, he replied: “Who cares about good looks? “It’s a question of doing the right thing. It’s not about what you guys think.” Later at the daily Downing Street briefing, Transport Secretary Grant Shapps said Mr Cummings had the PM’s “full support” and that Mr Johnson “knew that he was unwell and that he was in lockdown”. Mr Shapps said it had always been permissible for families to travel to be closer to their relatives as long as they “go to that location and stay in that location”. Meanwhile, deputy chief medical officer for England, Dr Jenny Harries, said that travelling during lockdown was permissible if “there was an extreme risk to life”, with a “safeguarding clause” attached to all advice to prevent vulnerable people being stuck at home with no support.   Health Secretary Matt Hancock and Chancellor of the Exchequer Rishi Sunak have tweeted their support for Mr Cummings.   Education Secretary Gavin Williamson said on Monday morning that Mr Cummings had "set out absolutely clearly and absolutely categorically he didn't break the rules and didn't break the law". The attorney general, Suella Braverman, tweet on Saturday in which she quoted the full text of the No 10 statement on Boris Johnson’s chief aide in which the prime minister said he had behaved “responsibly and legally”.   (Disgraceful) Boris Johnson said at the weekend Cummings acted “responsibly and legally and with integrity”   “The PM’s risible defence of Cummings is an insult to all those who have made such sacrifices to ensure the safety of others,” said Johne Inge, the bishop of Worcester, on Twitter.   “What planet are they on?” asked a front page headline in the Daily Mail, an influential right-wing paper usually supportive of Johnson.   https://descrier.co.uk/politics/dominic-cummings-and-wife-tried-to-cover-up-lockdown-breach-in-articles-for-the-spectator/   https://www.theguardian.com/politics/2020/may/24/dominic-cummings-timeline-what-we-know-about-his-movements   https://www.eveningexpress.co.uk/news/uk/timeline-the-coronavirus-lockdown-and-dominic-cummings-trip-to-durham/   https://www.bbc.co.uk/news/uk-politics-52784290   https://www.theguardian.com/politics/2020/may/25/attorney-general-faces-calls-to-resign-defends-dominic-cummings-suella-braverman   https://uk.reuters.com/article/uk-health-coronavirus-britain-cummings/what-planet-are-they-on-no-respite-for-johnson-and-aide-idUKKBN2310UE   https://cyprus-mail.com/2020/05/25/what-plant-are-they-on-press-slams-johnson-and-cummings/
    • simply tell them on the phone writing only sorry as I might want to escalate this to the fos or court. sorry but no speaky..speaky   you night find this interesting?   https://www.theguardian.com/money/2012/jun/09/life-insurance-misselling-aviva-hamilton-life   dx
    • I've had a few missed calls and then text from RBS wanting to talk about the letter I sent, two posts up.    Am I best to wait for them to write? Didn't really want to get into a discussion with them about it ideally!
    • I haven’t even looked.  I doubt some PR bod would have been in the loop.
    • Gove will be rubbing his little hands together in glee. He been quite careful in his limited wording in 'supporting demonic. but he poo'd his own pot a bit with that priority preferential test   No confidence vote (in PM not party).
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Whatafinemess

(un) Welcome extortion

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Hi everybody,

 

I'm new to the site so please forgive me if i've posted this in the wrong section.

 

Just like many others, i have an issue with Welcome Finance and i was hoping some of you might have some helpful advice for me??

 

In Jan 2004 my wife an i took a £3000 secured loan out with welcome, 7 months later we asked for an extra £1000 top up so the loan was re written and they gave us a further £1000. So we've only ever had £4000 in cash from Welcome finance.

 

In Feb 2008 we found we were struggling with the repayments and contacted Welcome to discuss it, they offered to re write the loan and drop the interest which at the time was the only option available so we went for it.

 

Now in 2010 having paid 1000's of pounds back we are still left with an outstanding balance of £20,000 with more interest being added each month than our monthly repayments.

 

I contacted Welcome to inform them that regardless of me maintaining my monthly contractual payment the account balance was increasing by £15 per month and that i wasn't happy paying £200 per month until the day i die, at which point i'd owe a few thousand pounds more than i do now, All for the sake of £4000. (which i repaid a couple of times over already)

 

Welcome rejected my complaint and are trying to move ahead with legal proceedings and i'm in the process of complaining to the financial ombudsman.

 

I'd be interested to know what your thoughts are on this or whether you've been in a similar situation and what outcome i can expect. I'm at a complete loss at the moment and as you can imagine its becoming very stressful.

 

Thanks

 

Stu.:???:


:-?Trying to make ends meet, you're a slave to money, then you die:-?

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Moved to the Welcome Finance Forum.


Anthrax alert at debt collectors caused by box of doughnuts

 

Make sure you do not post anything which identifies you. Although we can remove certain things from the site unless it's done in a timely manner everything you post will appear in Google cache & we do not have any control over that.

 

Vir prudens non contra ventum mingit

 

[sIGPIC][/sIGPIC]

17 Port & Maritime Regiment RCT

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Jeez £20k outstanding on a £4k loan they are such sharks!

 

Do you have a copy of your agreement? Do you have copies of statements which should be issued yearly?

 

I would be inclined to send them a subject access request (template at the top of the welcome forum) and find out what they have really been doing with your account


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've got copies of all three agreements and they send me statements monthly which show interest being added which is more than my contractual monthly payments, when i told them of my concerns their reply was "well you should pay extra each month then".

 

The last rewrite was for 186.46 per month for 300 months, that would mean we'd have paid £55,938 but even if i did pay each month for the next 25 years i'd still owe more than i do now. i don't understand how this can be legal!!


:-?Trying to make ends meet, you're a slave to money, then you die:-?

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I would still be inclined to send sar as you will be amazed at whats contained in those computer notes etc


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 will thanks, it would certainly be interesting, what would this achieve though?


:-?Trying to make ends meet, you're a slave to money, then you die:-?

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That depends entirely on what they have been doing with your account. It isnt right that the loan will never be paid but by having an sar you can see what they are doing and you will have the proof of what they are doing and then decide what to do about it


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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Subject access request it is then, thanks for that.


:-?Trying to make ends meet, you're a slave to money, then you die:-?

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no probs :) make sure u enclose the fee, dont sign and send it recorded the address is on the same sticky thread I believe if not just post back here and ill post it :)


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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In the 2006 CCA amendments the "extortionate credit bargain section" in the CCA 1974 was replaced with section 140 Unfair Relationships between Creditor and Debtor.

i.e. once you have your SAR back this may all end in a claim against them ;)


“First they ignore you, then they laugh at you, then they fight you, then you win.” - Ghandi

"You must have the resources to deal with the judicial intervention - the confidence not to be overawed, the resilience to respond, the tenacity to challenge, the tact to mollify, the authority to inform and persuade."

 

Strength does not come from winning. Your struggles develop your strengths. When you go through hardships and decide not to surrender, that is strength.

 

<-- If I have helped in any way please click my star!! ;)

Oh and I am a lady!! :)

 

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You could also post copies of the agreements (tipex personal details out)

 

Lets see if someone can spot the errors and give more specific advice while you are waiting for the SAR

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I'll bet they refinanced what ever was left on the other loans when you took out the new loan......which means that you will pay more for the original loan when you have paid thousands off it already. Typical Welcome behaviour.

Stop paying them and make them take you to court. Then you will pay an amount you can afford and the court will be aware of their extortionate (allegedly) activities. My guess is that your credit rating is shot to pieces already (like mine) and that is why you went to Welcome in the first place. So going to court over this will be no big deal.

And stop phoning them. What ever they agree to on the phone will be denied anywhere else. That is why you should do everything in writing.

jed

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I wouldnt recommend stopping payments unless thats what you want to do especially given its a secured loan, of course this is an option but i wouldnt recommend it until all information is in front of you and you know what you intend to do with it


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 Must Agree

 

KEEP PAYING Them Untill Its In Official Dispute

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as stated

 

you need to send an sar

 

a welcome trick in rolling over a loan is they take the total amount payable as a guide and do not do any interest rebate etc

 

i need to see all the agreements and a statement for each agreement

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I AM POSTING THIS FOR FUTURE REFERENCE ON PEOPLE DOING AN Subject access requestlink3.gif ON THESE JOKERS,

IS ASKS FOR SPECIFIC DOCUMENTS AND LEAVES THEM NO ROOM TO MOVE.

 

SEND TO

 

WELCOME FINANCIAL SERVICE

COMPLIANCE

RUDDINGTON FIELD BUSINESS PARK

RUDDINGTON

NOTTINGHAM

NG11 6NZ

 

REMEMBER THE £10 POSTAL ORDER AND SEND RECORDED DELIEVERY

 

GOOD HUNTING

 

 

[your address]

 

 

 

[their address]

 

 

[DATE]

 

 

 

Data Protection Act 1998

Subject Access Request

 

 

 

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 datalink3.gif 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 yearslink3.gif 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 interestlink3.gif 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,

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Hi Postggj, I sent this letter to Welcome and they still didnt put copies of the aggreements in.

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going to your thread loopy

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Definitely doesn't sound right and there is no point in asking Welcome to explain how they think up the figures on statements! It's common knowledge that if the debt is passed to the Lewis Group they can eventually up to 65%.

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I'm waiting for the bumf to arrive from the financial ombudsman although i must say the girl on the phone was extremely unhelpful and seemed to find the whole situation slightly funny judging by the tone of her voice, however...........

 

I've just realised something that i'd like you views on.......

 

The 3rd rewrite of my loan reads as follows.....

 

Total amount of credit - £17,703.94

 

Amount of credit for cash advance - £17,703.94 (No cash recieved) ??

 

Duration of agreement - 300 months

 

Amount of monthly payment - £186.46

 

APR - 12.7%

 

Total charge for credit - £38,234.71

 

Interest charge - £38,234.71

 

I've worked out that after 25 years of paying £186.46 per month i'd have paid £55,938, but Welcome will have added a minimum of £56,210 interest to the original credit amount of £17,703.94 meaning that after 25 years and £55,938 later i'll still owe them £17,975.94 which surely itself will be subject to interest???

 

Have they dropped a boll0ck on this or am i going to spend the rest of my living days paying off what is in effect a £4000 loan?? Even if i live to the age of 80 i'll have paid £123,063.60 and will still owe just over £18,000!!!!!

 

This is sending me round the bend!!!!!!!!

 

Would any judge in their right mind order in favour of Welcome finance on this??

 

Cheers,

 

Stu.


:-?Trying to make ends meet, you're a slave to money, then you die:-?

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It sounds like Welcome have done a number of things mainly not giving rebates on PPI or ending loan early. The sooner the account is put in dispute the better. Others will know the proper procedure for doing this. My loan with Welcome was unsecured so I didn't really care when I started disputing mine.

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