Welcome upping their game with dca collection

[brassed-off-2]

As the title says, Welcome have replied to our SAR request, but in the middle of it (with staple holes) is someone elses :eek: secured loan statement...:shock:

 

I will be forwarding this onto the said person, and let them know what has happened, with the p/o recorded delivery ref...for thier (poor unsuspecting victim of breach of data protection:evil:) proof, with letter of explanation enclosed, and cag website address for further help on how to deal with these morons.

 

Going back to my SAR, it does not comply, they have sent only, our most recent Account details (to which i might add looks like a completely new acct number (we have no copys of this aggmnt whatsoever)

 

I did send yesterday by recorded to them a full list of accts, ppi ins acct numbers etc, just to avoid confussion on their part, that we have held since 2004, to which none of them we have ever had a statement for.... :confused:

 

The whole kit and caboodle...STINKS !!!!!!:evil::evil:

Sorry just needed to steam off....

 

B-O-2

[082stewie]

:evil:I had the exact same thing!! I got someone elses full statement along with mine.

 

I informed the Information commisioner about it and forwarded it off to the other person.

 

Stewie

[PGH7447]

report them to the Information Commisioner about this, also if they have failed to respond to your SAR as requested write back and tell them this and also demand their complaints proceudre

[brassed-off-2]

Thanks for that Stewie, will also do that too.... all i can say is thank heavens they actually sent it recorded, so there is proof of the address it was actually sent to, no way of wriggling out of their error so to speak. (This was delivered today)

 

As for the compliance issue with my request, it does not run out untill the end of the month, they have failed to comply in respect of all the past statements,accounts agreements etc, that was clearly requested in the originall letter, and again in yesterdays letter(this i did based on gut instinct, from their standard reply letter, acknowledging recpt of sar letter) as clarification. Am i correct that if they do not respond correctly now by the end of the month, i can then proceed to the next stage ??

 

Any clarification, help would be appreciated.

 

Thanks in advance

b-o-2

[PGH7447]

I would take it that they have failed to respond by sending out the rubbish they have just sent why wait, report their sorry asses

[brassed-off-2]

Thanks PGH7447

 

will it be a non compliance letter to them, a complaint to ICO, and FSA too?

 

Sorry still all a bit new to this.

 

Thanks

B-O-2

[PGH7447]

sounds good to me, but not the FSA, send it to the OFT

[42man]

When the time is up on the SAR, send them a LETTER BEFORE ACTION stating that the request is incomplete, give them 7 days in which to comply and enclose a copy of the original SAR letter and a copy of the recorded delivery slip...useful links here - http://www.consumeractiongroup.co.uk/forum/general-debt-issues/178660-blackheath-loans.html

 

http://www.consumeractiongroup.co.uk/forum/lloyds-bank/49571-havinastella-lloyds-tsb-3.html

[JB9876]

Just a quick note, I had this too (received someone else's details) I had already reported to Info Commissioners Office for non-compliance of SAR but phoned them to say, now received some details from SAR but not all and had received someone elses info.

 

Their response was to email/write to them keeping copies stating what's missing (what you think) and that I had received someone's stuff and keeping copies of their response.

 

Just be prepared you may have a long wait before you are actually contacted by Info Comm Office - I reported them in October 08 but it has still not been assigned to someone!!!

[PGH7447]

that would indicate that the info office and all the other bodies are snowed under with complaints about certain companies

[brassed-off-2]

We have a similar situation to Traz, that we originally took a £8k secured loan over 120 months( joint names), back in 2005, with ppi (no ppi, no loan). the ppi only covered 60months, still have all the original copies of loan/ppi. overtime we have renogotiated, the next loan still included ppi, the 3rd, 4th did not think i refused to have it (cant remember). over time the account that has always been in a joint names, somehow only came to be in my husbands name, not sure how this came to be or if it is legal ?(mortgage is in joint names). Our most recent loan was renogotiated back in July 08, have not got any original copies of this one ?? but the full payment figure works out at approx £48.5k..

 

Each time we have renegotiated we have received a new account number, no annual statements, for us to check anything, although i have requested them on several occassions verbally with branch staff, no closed account statements, basically no paper trail... i have a gut feeling that the ppi has been rolled up into the new loans etc.. . and that this copy of the most recent loan is not actually a true copy ?

 

The compliance dept returned the most recent loan application, in the SAR, yesterday..(they had upto the 30.03.09 to comply). No other copies/statements of previous accounts.

It is only a poor quality photocopy, writing so small you would not be able to read it if i posted it up..My gut feeling tells me there is something not right with it..fortunately for us i had already responded to their sar acknowledgement letter by recorded, the day before and actually listed all loan numbers to ease their confusion..

 

1. Do i need to SAR Direct group & Norwich Union ?

 

2. Could somebody, may be post up a sticky on how to calculate the payments on the loan agreements, so that i might be able to follow how to do this in the simplist way possible (maths never has been my strenght)

 

3. Would it be advisable to send an acount in dispute letter sooner, rather than wait to see if they comply further to my request, especially with what is now possibly coming to light. ??

 

Sorry to hi jack this thread, just needed some clarification on next course of action, if that is possible.

 

Thanks

B-O-2

[andie_303]

We have a similar situation to Traz, that we originally took a £8k secured loan over 120 months( joint names), back in 2005, with ppi (no ppi, no loan). the ppi only covered 60months, still have all the original copies of loan/ppi. overtime we have renogotiated, the next loan still included ppi, the 3rd, 4th did not think i refused to have it (cant remember). over time the account that has always been in a joint names, somehow only came to be in my husbands name, not sure how this came to be or if it is legal ?(mortgage is in joint names). Our most recent loan was renogotiated back in July 08, have not got any original copies of this one ?? but the full payment figure works out at approx £48.5k..

 

Each time we have renegotiated we have received a new account number, no annual statements, for us to check anything, although i have requested them on several occassions verbally with branch staff, no closed account statements, basically no paper trail... i have a gut feeling that the ppi has been rolled up into the new loans etc.. . and that this copy of the most recent loan is not actually a true copy ?

 

The compliance dept returned the most recent loan application, in the SAR, yesterday..(they had upto the 30.03.09 to comply). No other copies/statements of previous accounts.

It is only a poor quality photocopy, writing so small you would not be able to read it if i posted it up..My gut feeling tells me there is something not right with it..fortunately for us i had already responded to their sar acknowledgement letter by recorded, the day before and actually listed all loan numbers to ease their confusion..

 

1. Do i need to SAR Direct group & Norwich Union ?

 

2. Could somebody, may be post up a sticky on how to calculate the payments on the loan agreements, so that i might be able to follow how to do this in the simplist way possible (maths never has been my strenght)

 

3. Would it be advisable to send an acount in dispute letter sooner, rather than wait to see if they comply further to my request, especially with what is now possibly coming to light. ??

 

Sorry to hi jack this thread, just needed some clarification on next course of action, if that is possible.

 

Thanks

B-O-2

 

 

something in this post just caught my attention - you say they have only provided you a CCA for this latest agreement? You need to send them a letter telling them their response to your SAR should have enluded ALL paperwork etc that was in your name and therefore ALL CCA's and statements should have been encluded.

 

Tell them the clock is still ticking and MUST be produced within the 40 day limit. If they do not provide these then account in dispute

[brassed-off-2]

B-O-2 you get me PM?

 

Andi

have pm'd you again, hope it works this time...

 

thanks b-o-2

[andie_303]

b-o-2 - I will get back to you soon just need to get some tea and some jobs done. I haven't forgotten you.

[brassed-off-2]

b-o-2 - I will get back to you soon just need to get some tea and some jobs done. I haven't forgotten you.

 

Thanks andi, really appreciate your time, i like you have jobs to do too, so am hovering in and out in between other things.

 

regards

b-o-2

[andie_303]

b-o-2 sent you my thinkings

[brassed-off-2]

b-o-2 sent you my thinkings

 

Andi has anything come through, sorry getting a bit stressed with a bored 3 year old at the moment...

[brassed-off-2]

Andi

 

re: pm you sent me this morning, did you receive my reply ok?

 

regards b-o-2

[sammyc1974_Derby]

My fourteen days are up tomorrow on my default notice, not heard anything yet..............will they just come and collect the car or do i wait for the court order.

[SHELLA]

They cannot do anything like that without a warrant from a court.

 

That was my main arguement with them when they turned up at my parents house in December,scaring the life out of them.

 

They misrepresent their own authority and legal position, they have NO actual power to do anything.....they would have to go to court and get a warrant.

 

If they imply that they can do what they like,OFT would be interested.

[sammyc1974_Derby]

We have paid well over that amount, I had put the account into dispute due to interest being charged on the acceptance fee, been through the figures with a fine tooth comb and still come up with a mystery £117, but if you do Acceptance fee £195 * 15% interest = £29.25 * 4 yrs (48 mths) = £117.00 (surprise surprise), we have just sent this to mr palmer as he wrote to us on friday asking for proof....

[andie_303]

We have paid well over that amount, I had put the account into dispute due to interest being charged on the acceptance fee, been through the figures with a fine tooth comb and still come up with a mystery £117, but if you do Acceptance fee £195 * 15% interest = £29.25 * 4 yrs (48 mths) = £117.00 (surprise surprise), we have just sent this to mr palmer as he wrote to us on friday asking for proof....

 

tell him to get his calculator out - not your case to prove - his case to prove it isn't!!

[sammyc1974_Derby]

Don't suppose you have his email address then i can email him the figures and he will get a hard copy through the post... Thanks

[andie_303]

Don't suppose you have his email address then i can email him the figures and he will get a hard copy through the post... Thanks

 

only email address i have is [email protected] - you could always phone him and ask him for his direct email - something tells me he wouldn't be willing to give that up lol

 

anyway just tell him he has all your paperwork and i'm sure with his mathmatical skills he can figure it out - Once youhave disputed something and given them valid reasons - it is their case to prove they've done nothing wrong.

[brassed-off-2]

Quick question..

 

Took a secured loan with Welscum in 2005 for 9K, then had various re-writes several times.

 

Each loan has been recorded on our credit files as a Mortgage and not a secured loan!

 

Should it be recorded as a secured loan? or do they class a secured loan as a mortgage at experian??

 

I do have a letter off welcome made in response to another complaint made through the fos..stating that it is not a mortgage, it is a secured loan...so why have they got it listed as a mortgage with experian??

 

any assistance greatly received.

 

b-o-2