welcome nightmare

[tamthetaper]

could anyone tell me when asking for sar is it £10 one account or £ 10 each account cheers welcome finance

[locutus]

£10 is for all the details they hold about you (every account) providing you let them know that it's the same request.

[sea-sidelady]

I have moved your thread over to the Welcome forum.

[tamthetaper]

thank you they told me £10 every acc going for ppi( robbers)

[tamthetaper]

one of my loans i took out with welcome i signed in my house as the agent for them said he was in a hurry and to sign it and he would fill in the rest later is this wrong

[Sand-Dancer0191]

Totally wrong.....can you prove it????

You also say AGENT ? was this agent paid commission or was he/she a welcome employee.

[tamthetaper]

sorry no he was an employee of welcome

 

i was getting work done on ma back garden

there was a boy doing the work my wife and myself there .

 

welcome boy came in the garden with the paperwork

nothing was filled in

he asked me to sign the papers as he was in a hurry

and said he would fill in the rest later

 

to date we still dont have that paperwork even after askin for it with request for s a r

 

im still paying that loan have account no.

 

at the moment its getting payed to one of there sister companys as they took me to court as i fell into arrears

 

i hope this helps any advice would be grateful thanks

[tamthetaper]

the company we pay now is lewis group

[Sand-Dancer0191]

Lewis are welcomes DCA.

OK you say they took you to court..ARE you paying this under a CCJ.

Also you need to send a letter before action (in library) Demand a copy of the original agreement / any default notice and the letter of assignment to lewis.

SEND TO LEWIS and WELCOME recorded delivery.

 

When that little errand boy ran off to complete the form welcome must have given you a copy within (I think)seven days.

Something is seriously wrong here.There must be something on that agreement that they know is wrong...chase it up...

Post up the responce by then postggj may have read this as we may need his help here

[postggj]

if we are talking of a secured loan, welcome are in big trouble

 

what he shold have left is

 

A PRE CONTRACT AGREEMENT

 

that is given to you to mull over and gives you a last oppertunity to back out

 

AS THE AGREEMENT WAS NOT SIGNED ON TRADE PREMISES, (YOUR HOME) A 14 DAY COOLING OFF PERIOD IS NEEDED

 

WELCOME SHOULD HAVE CALLED YOU INTO THERE OFFICE AFTER 14 DAYS HAVE ELAPSED FROM SIGNING THE PRE-CONTRACT AGREEMENT

 

WHAT I NEED TO KNOW IS HOW LONG WAS IT BEFORE YOU GOT YOUR CHEQUE AFTER YOU SIGNED THIS AGREEMENT

 

HAVE YOU SENT THE SAR YET

 

SEND MY SPECIAL ONE

 

 

 

I AM POSTING THIS FOR FUTURE REFERENCE ON PEOPLE DOING AN SAR 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 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 DPA 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,

[brassed-off-2]

When that little errand boy ran off to complete the form welcome must have given you a copy within (I think)seven days.

Something is seriously wrong here.There must be something on that agreement that they know is wrong...chase it up...

Post up the responce by then postggj may have read this as we may need his help here

[/color]

 

Either that or they dont have the original copy, this has happened to us ..and they can only provide reconstituted copy,

TTT, ONLY PRINT YOUR SIGNATURES, DO NOT SIGN, THEY WONT BE ABLE TO UPLIFT IT ONTO ANYTHING ELSE THAT WAY.

[Sand-Dancer0191]

Good point brassed off2 I forgot that one..

Thanks for the input and help postggj

[tamthetaper]

thank u so far for all help

 

im going through ppi claim with them them now

filled in questionnaire they send.

going to post it tomorrow

 

also when i got documents back i got 2 other customers accounts paperwork with all their personal details bank details passport details i know they have something to hide.

 

i put a letter in with letter i am sending them about getting other customers acc

and about welcome are coming to my house to sigh paperwork should i do this or not ,

also i have asked twice for paperwork for acc

but have no paperwork and was NEVER giving them

[Sand-Dancer0191]

send the other customer details to the information commisioner for data protection and complain about the lack of diligance or security

.the adress is on this forum somewhere...just can't find it yet.

[tamthetaper]

i know i my be going over old ground awee bit more information

 

i have 10 ten acc sorry 9 acc with welcome that have been paid

 

going through ppi claim on them

 

dont have all acc paperwork even after 2 requests for them,

 

filled in questioner

 

would i be better and try and get them all before i send it ....

 

ques 2 10th acc is still live do i go for the ppi for this at the same time as the other 9 and then debate this acc as i no that there are issues

 

i have with it as explained in prior ques also for as may times as i have asked they stiil dont send paperwork thanks ahead tam

Edited November 24, 2010 by dx100uk
clarity

[dx100uk]

if you have no cca for the current account ehy are you paying it?

 

as for the ppi on the old accounts

 

if they were taken out in the last 6yrs

then by LAW they MUST hold the agreements.

 

so whats the score now?

 

dx

[tamthetaper]

i was taken to court by welcome

 

now paying lewis group

 

the account was signed in my house i know this was wrong

 

i have twice tried to get paperwork for this

 

to date still dont have any paperwork

 

phoned them again last friday

 

they said that i would receive paperwork in the next 7-10 days( wait and see)

 

i get statements every so often from them

 

there sums dont add up

 

i want to do ppi claim first

 

then im going to take this matter further.

 

 

anything other information you to help i will try and give as i have

Edited November 24, 2010 by dx100uk
please use line breaks and check your spelling as it makes helping you a lot easier.

[dx100uk]

when were you taken to court ?

 

and is this anything to do with your current loan that they have no paperwork for?

 

dx

[tamthetaper]

i was taking to court july 09

 

pay £100 a month - £25 goes to acc £75 went on capitalsation

 

after a few months and reading stuff on this forum

 

i phoned them queried capitalisation amount and why i was paying it

 

all of a sudden it got lower

 

then now i dont pay it

 

have statements to prove this (hope u can get ur head around this so far).

 

this is the same account i am trying to get paperwork for ..

 

when i first took loan out i payed it at £200ish a month

 

fell into arrears

 

new aggrement was set up reduced payments

 

this is the aggrement that was signed in my house

Edited November 25, 2010 by dx100uk
PLEASE CHECK SPELLING AND ADD LINEBREAKS BEFORE YOU HIT THE BUTTON TO POST A MSG UP

[tamthetaper]

help

[dx100uk]

what does it say [exactly]

in the judgement box of the CCJ

 

dx

[tamthetaper]

dont think me stupid but im not to sure what im looking for

[dx100uk]

where did you get this from then - pay £100 a month - £25 goes to acc £75 went on capitalsation

have a copy of the court order [the county court judgement]???

 

look in the judgement box

 

dx

[tamthetaper]

i have a copy of the court papers ..

extract decree for payment .

. date of decree 17 july 2009

the amount is payable by instalments of £25.00 per week commencing within one week of intermation of this extract decree..

i have statements sent to me from welcome.

every 13th of the month from july n09 -to aug 10

£75 of the £100 amonth went to capitialsation

after i phoned and asked about this it went down to £12 a month

and now has stopped

[tamthetaper]

if i new how to scan paperwork and put it up for u to see i would not sure how to do this