welcome nightmare

[gullible1]

Tam

 

they were taking money to pay off arrears wish t was enough to pay off the loan

 

Think i will be paying that back long beyond the grave!! ha

[tamthetaper]

post ggj just wondering if you,ve

had any time to look over paperwork posted

 

cheers tam

[tamthetaper]

had a ppi refusal from welcome

they say pre 2003 they dont have to

investigate complaints

 

they sold it so surely they liable for it

any suggestions on how do word a letter

 

cheers tam

[sick of welcomw]

i think i can shed some light on the whole pre 2004 debate about ppi

 

i temped for an office that dealt with ppi claims

and the reason its more difficult but not impossible

is that welcome wasnot nactually regulated by the fos until jan of 2004

so the fos cant uphold complaints before this date

 

hope this helps someone out

[tamthetaper]

just received paperwork from the lewis group

still no signed documents ..

 

thats now welcome ,solicitors,lewis group

no signed agreement from any of them

what can i do if there,s no agreement

 

cheers tam

[dx100uk]

as for the ppi

the fos can act

there is no time limit on ppi reclaims

 

ref the limitations act sec32c 'when you became aware'

 

pers though i'd fill out an fos complain t form and post it all of to them

 

dx

[tamthetaper]

bearing i mind i have a decree on me

IF welcome dont come up with

the signed agreement ,could i still stop my payments

until such times they do

 

cheers tam

[IdaInFife]

They could then aplpy for a bank or wages arrestment.

[tamthetaper]

20 days since send welcome cca request

phoned to ask why they have send nothing

apart from statements

was told to fax or write again

any advice

 

cheers tam

[dx100uk]

i think as with CCJ's the decree will 'null' the need for them to have a cca.

 

did you get the ppi claim running with the fos?.

 

dx

[tamthetaper]

hope i,ve done this right

[dx100uk]

what right welcome back!

 

dx

[tamthetaper]

hi dx

it was just a query looking back on my

statements i noticed that i had a

insurance premiums of £2457.37

down as a credit

should this have been taken of my balance

or is there another reason its on the statement

just wondering if any you guys could take a look

at it.

it,s in (welcome nightmare) on my statement on page 7

16th jan 2011no 6 at the top

 

cheers again tam

[bigegg]

Just read the entire thread, and can't really help much with the main details.

However something occurs to me which may or may not have a bearing:

 

Welcome are offering £7181(?), and taking off £7150(?) for money owed under a decree (which is a CCJ in Scotland?).

Surely the decree is as binding on Welcome as on the OP, so the most they could take out is one weeks/month's payment, or £25?

Ie, the one which is due when they make the payment?

[dx100uk]

i'm going to ask arather large favour of someone tonight

he'll like it ...not alot!

 

but he will help .

 

i'm like you abulldog

 

i'm not going to rest until this is sorted and welcome are nailed

that decree was unlaw so thus is the charge on your house.

 

dx

[tamthetaper]

thanks guys

 

appreciate everything you,s are doing

just want to get to the bottom of this

 

been a long hard fight for over a year

and not about to give in.

 

i,m with bigegg for a long time

i also thought they could only

take the £25 payment

but i suppose it gets it payed early

any thoughts on this

 

and again cheers dx

 

 

tam

[bigegg]

thanks guys

 

 

i,m with bigegg for a long time

i also thought they could only

take the £25 payment

but i suppose it gets it payed early

any thoughts on this

 

tam

 

personally when you come to a figure you are happy with, I would write them a letter saying that attempts to clear off the decree using the refund is a breach of the decree, that you require payment in full, and that welcome must take you back to court to have the decree changed.

 

In England, I would have thought that the "new information" meaning that that Welcome owed you more than you owed them would be enough for a set-aside, and grounds that you could have the CCJ removed from your credit file completely

[ims21]

Hi

 

Dropping in as requested by dx

 

Gonna have a read of the thread, make some notes and post back when I've done a review.

 

ims