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    • Just to clarify CPR 15.5 allows a defence to be submitted a further 28 days than normal IE 56 days.  (14th May 2022) The fact that they have allowed  further time is very generous on their part.   Andy
    • But did you request documents as per your response to their PAP ?
    • Hello fellow Gaggers.   I did what you all suggested and asked for my CCA from all the Companies/DCA’s involved. These were sent by first class to sign for on 6 June 2022. They all received and signed for these letters on either 7 or 8 June 2022.   None have come back with a signed by me CCA or relevant documents. Here are the replies I received are as follows:   BPO Collections, received a reply on 17 June with their letter dated 14 June, no CCA received by 27 June.   Dear ***** Please find your postal order for £1. Unfortunately, we are not able to accept this as we don’t charge for this. I have requested all the information you have asked for, once our client has responded we will send this over. Yours Sincerely, John McNamee.   Cabot Financial, received a reply on 17 June with their letter dated 14 June, no CCA received by 28 June.   Dear ***** Thank you for your request for information under sections 77-79 of the Consumer Credit Act 1974. Unfortunately, we do not have the relevant information on file, so we will be requesting a copy of the credit agreement and terms and conditions from your original lender, as well as a statement of your account. This may take some time, but we will write to you within the next 12 days with an update, (their 12 days regarding an update is today 4 July, no post from them has been received).   You still have an outstanding balance of £****.** and you currently do not have a plan in place with us. We would like to discuss the available options with you and find you an affordable solution for this account. Yours Sincerely, Stephen Shaw.     NCO Europe, received a reply on 13 June their letter dated 8 June, no CCA received by 27 June.   Dear Sir/Madam (can’t even get my gender right). Thank you for your request and payment for a copy of your CCA which we received today and have forwarded to your creditor. Your creditor has advised us that they no longer require payment for this (postal order for £1.00), therefore we are returning it to you. You will receive the CCA in due course If you have any queries blah blah blah……………… Yours Sincerely, Joanne Perry.   PRA Group, received a reply on 17 June with their letter dated 14 June, no CCA received by 28 June.   Dear ***** I am in receipt of your letter in relation to the above (request for my CCA) and have requested the required information. Until this is received, I have placed your account on hold which will cease any further collections activity until further notice. PRA Group UK Ltd do not charge any fee to carry out this request, I am therefore returning this payment (postal order for £1.00) to you. We will contact you to provide an update as soon as possible but if you have any questions, please contact us blah blah blah……………………………… Yours sincerely, Carissa Rae.   Idem Servicing, received a reply on 18 June with their letter dated 16 June, no CCA received by 27 June.   Dear ***** Thank you for your request pursuant to sections 77-79 of the Consumer Credit Act 1974. Unfortunately, we are unable to supply a copy of the credit agreement at present and acknowledge that until we do so the agreement cannot be enforced. We have contacted the original lender for a copy and if available it will be sent to you under separate cover in compliance with your request.   The balance of your account is still outstanding and we will continue to pursue this debt which will include any arrears and defaults with the credit reference agencies. We can confirm the balance of your account of £****.** remains due and payable and we will continue to contact you to discuss repayment proposals. In the meantime, we attach a statement of account detailing the transaction history. You are free to take whatever action you consider appropriate but we will not be releasing you from any obligation under the agreement. Yours sincerely, Rebecca Harper.   Rather than scan and post the letters I have received from the DCA’s I have typed out the main points of each reply I received. All have failed to send me a true, signed by me, with attached terms and conditions (at the time of signing) a valid Consumer Credit Agreement. Most of each letter seems to contain bluff and bluster, and veiled threats. One note of concern, would any of this come to bite me in the rear end, should I fail to pay them any more money, with regard to the credit reference agencies? I await your more knowledgeable responses.   Allets.
    • Well done. Different shops have different staff.  For customer service in future look at sainsburys. I know the CEO is the same. 
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Welcome Finance : is this the begining of the end ???.


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Well done on the PPI claim...I eould be tempted to go to the FSCS website.They have a disclaimer on here stating that Welcome cant commit to it's PPI obligations and therefore compensation payments are going to those Welcome customers with PPI.I thing about 350000 are affected and Welcome will be contacting them by letter or alternatively you can get the form from the FSCS..I know what I would be doing and that's not waiting for Welcome ..go to the FSCS now and get your claim in quick..:-)

 

Also the claims are going through Welcome but overseen by the FSCS as Welcome hold more data on their customers...make sure your paperwork is right...

 

I keep getting calls of my acct manager at the local branch asking me if I have the funds to payoff my car loan they are offering 30% reduction..I do have some but holding on as this is going on every few weeks now and know they are trying to scrape in as much cash as possible before the office is turned into flats :wink: ... in the meantime I let him keep rininging and we have a lovely chat about the possibilty of further reductions down the line while I try not to laugh too hard down the phone...lol.

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So after finding out this info yesterday i called the FSCS regarding my clain and the best way to tackle it

 

I was told to call Welcome Finance on a number that is actually given on there recorded message.

 

When i spoke to a lady i was told that she will take all my details and put me on the list, then within the next few weeks the forms will be sent out.

 

She said they would be in batches as there are so many, but i am in the first batch to be sent out..... (now that itself seems pretty far fetched from Welcome)

 

So i gave them my details and all i can do is wait i suppose?

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So after finding out this info yesterday i called the FSCS regarding my clain and the best way to tackle it

 

I was told to call Welcome Finance on a number that is actually given on there recorded message.

 

When i spoke to a lady i was told that she will take all my details and put me on the list, then within the next few weeks the forms will be sent out.

 

She said they would be in batches as there are so many, but i am in the first batch to be sent out..... (now that itself seems pretty far fetched from Welcome)

 

So i gave them my details and all i can do is wait i suppose?

 

Yup I also rang them 2 weeks ago and they also said I would be sent out a pack in the first batch but still not received this so only thing to do is sit and wait! Which I will. Strange thing is WF have sent me a PPI questionaire in the meantime which Im not going to bother wasting my time with.

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Yup I also rang them 2 weeks ago and they also said I would be sent out a pack in the first batch but still not received this so only thing to do is sit and wait! Which I will. Strange thing is WF have sent me a PPI questionaire in the meantime which Im not going to bother wasting my time with.

 

I would be cautious with this lot...what does the PPI questionaire say ? You don't want any potential payment held up because PPI form not filled in..just saying everybody know's Welcome's ability to stall lie and cheat...

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Its just the standard PPI questionaire floating around everywhere.

 

I sent them a letter to complain and they have just replied asking me to fill this questionaire in and it will take upto 8 weeks blah!

 

My understanding though is the FSCS are now dealing with it so would I be right not to waste my time with them.

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Its just the standard PPI questionaire floating around everywhere.

 

I sent them a letter to complain and they have just replied asking me to fill this questionaire in and it will take upto 8 weeks blah!

 

My understanding though is the FSCS are now dealing with it so would I be right not to waste my time with them.

 

 

Yes the FCSC are dealing with this but I belive it is going through Welcomes own internal procedures hence my comment...watch them...

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