HFO services about a welcome finance loan

[dadofholly]

What you really need is the statements from welcome - they should send that as part of your SAR.

 

Welcome compliance may well send you a letter saying the last payment was in 2004 but HFO will then get a letter from their corrupt counter parts in welcome recoveries saying otherwise. But it wold still be handy for you to have that letter.

[gwk]

Is this along the sort of lines i should be going,would appreiciate if anybody has got anything to add

I have today spoken to welcome finance compliance department and also their recoveries department and they have informed me that the last payment on the above account was 28/05/04 which was for £70.

I have enclosed a copy of the letter which they have sent confirming this.

Why then have you seen fit to place a default on my credit file on the 01/05/06,nearly 18 months after the actual breach.

I now request that the default be removed,as it was not applied to my credit file in a timely manner in relation to the actual breach as required by the OFT,s guidance,which is 6 months maximum from the date of the actual breach which was 28/05/04.

If this removal is not actioned i will be making a claim for compensation and will again report this matter to the OFT and financial ombudsman

[DonkeyB]

The breach would have been the first missed payment after the last payment, so add a month to that.

[gwk]

It is welcome recoveries dept that are sending the letter

[dadofholly]

It is welcome recoveries dept that are sending the letter

 

You sure it's not compliance?

 

regardless you need the letter.

 

Having sent a CCA request to HFO will help as they will struggle to get any T&C's out of welcome - and they also need to send you statements to comply - which should show the debt as stat barred.

[gwk]

Well good news,recieved this letter today from HFO.:-DI would just like to thank everyone for their help which was very much appreiciated.

PDFOnline.pdf

[coledog]

Well done but you need to insist that they remove that default from your file! They can get a hefty fine if they do not and I think that you can claim compo. Love their standard of letter writing, 'chasing you' and 'parked on our system', is that the technical term? What do they mean?

[gwk]

What letter do i write to get them to remove the default and how can i go about claiming compensation?

[gwk]

Can they still sell this debt onto another DCA

[DonkeyB]

Another £8k the idiots have lost for sitting on their arses for four years trying to rack up the illegal interest. Fools.

 

Yes, they can sell it, but it is uncollectible. The debt does not go away, and it should not be reported to the CRAs. Google kpohraror v woolwich building society for a bit of fun.

[gwk]

How do i get the default removed

[DonkeyB]

I now DEMAND that the default be removed, as it was not applied to my credit file in a timely manner in relation to the actual breach as required by the OFT’s guidance, which is 6 months maximum from the date of the actual breach which was 28/05/04.

 

If this removal is not actioned immediately I will be making a claim for compensation and will again report this matter to the OFT and financial ombudsman

 

Just paraphrased from above... write again... recorded... copy in the OFT anyway.

[dadofholly]

Good result - I take it you won't be taking up their kind offer to appeal against thier decision

[gwk]

Good result - I take it you won't be taking up their kind offer to appeal against thier decision

I might sounds tempting,but what would the chances of them actually paying up,me thinks quite slim.

[DonkeyB]

If they fail to comply, you can prove they ignored a legitimate request. They are now the creditor and have all the info – they cannot blame Welcome. So you would simply issue a court claim if they don’t play ball.

[gwk]

I will send them a letter with regards to the removal of the default and see what reply i get,and then take it from there.

[gwk]

just a quick update,recieved this through the post today,quite pleased really

SCAN0015.pdf

[broken arrow]

Good result, well done.

[the_shadow]

Great result

[coledog]

Nice one!

[DonkeyB]

Humble pie. Eat it, feathermuckers!

[broken arrow]

Humble pie. Eat it, feathermuckers!

 

But eat it slowly, wouldn,t like them to choke on it........

[DonkeyB]

I would.