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    • when did they (who) inform you there was a 'police case' and when was this attained? i will guess the debt is now SB'd as it's UAE 15yrs. have you informed the bsnk ever by email/letter of your correct and current address? you can always ignore anyone else accept the bank,  Block and bounce back all emails. Block any text messages  Ignore any letters unless it's: - a Statutory Demand - a Letter Of Claim - a Court Claimform via Northants bulk.  
    • I left Dubai 8 years ago and intended to return. However a job prospect fell through. I’d been there for 15 years. I decided to pay my credit card and the bank had frozen my account. There is no means to pay the CC so completely unable to pay when I wanted to other than the bank advising me to ask a friend in the UAE to pay it on my behalf!  fast forward bank informs there is a police case against me for non payment. Years later IDR chased me and after months/ years they stopped. Now Judge & Priestley are trying their luck. Now I have received an email in English and Arabic from JP saying the bank has authorised them to collect debts. Is this the same as IDR although I didn’t receive anything like this from them. Just says they are authorised?
    • The neighbour's house is built right on the boundary so the side of their house is effectively the 'wall' in our garden separating the two properties. It's a three storey house and so the mortar poses a potential danger to us. Because of the danger, we have put up an interior fence in our garden to ensure we don't risk mortar dropping on us. That reduces the garden by 25% which is not only an inconvenience, but it's the part of the garden where we had lined up contractors to install a patio and gazebo which we will use for our wedding reception in less than 2 months. We have spoken to the neighbour's caretaker who is on the case, has spoken with a roofer and possibly a scaffolding company, but there are several issues. They don't seem to understand the urgency. As long as there is a risk of falling mortar, we can't carry out any work in the garden, and unless they hurry up, we're looking at cancelling our wedding as it's not viable to book a venue because we can't use our own garden! Also, they want to put the scaffolding up in our garden which would be ok with us if it was a matter of a few days and they hurried up, but there is a tree (most likely protected by the conservation area), so most likely they can only reach part of the roof with the scaffolding if they put it up in our garden. We suggested a roofer with a cherry picker but they seem to want to use a company they've used before. Any and all comments, suggestions, advice is more than welcome.  PS. does it make any difference that the neighbour is a business (ltd) and not a private dwelling?
    • No apology needed, thank you for what you do I am glad to hear they paid. well done on getting back what is yours
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Welcome Finance - claim form received


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Please make sure you take the advice of never ever dealing with your local branch - they only exist to chase non payers - Welcome no longer do anything else and are unable to make loans.

 

Are you able to edit and scan the default notice they served on you?

Did you purchase the car from a dealer - and if so who arranged the finance for you?

 

Be interesting to see what comes back from the SAR

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  • 4 months later...

I have posted about this a few times, and the upshot of it is that we owe Welcome finance £5500ish on a £13996 agreement.

The car has caused us no end of trouble and we have been arguing this for years with them.

 

they have harrased us by telephone, sent letters from god knows how many different managers.

Weve wrote back asking them to wipe charges and we could arrange to settle the debt they said they only charged us £300 in letters etc.

 

We have offered to pay them £2000 more after all the problems we have had with the car, but this they have refused.

 

they are ringing 20+ times a day and in the last phone call about half an hour ago in whi OH refused to confirm security

so the man from Welcome said he's coming to collect the car!

 

Can they do this?

I dont think they can without a court order.

 

what if they have a court order, would we know about it?

 

If they arrive with a court order do I have to give them the car?

 

we have paid nearly £8000 off it,

and I am willing to pay the rest minus all of their unfair interest charges etc

 

Can anyone help??

 

Im worried theyre about to turn up at the door

 

Gilly

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Check the terms of the contract I think if you

have paid more than half they need a court order.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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Welscum at their usual best again I see!

 

As bbnb says they can't just turn up and take the car, that's called theft, and they won't have a court order to do so, if they do, that would be fraud (IMO)

 

Stay OFF the phone to them now, tell them that you will ONLY deal with their basic wage chimps by letter, also demand a copy of their complaints procedure, if you don't already have one, and exhaust it so you can escalate your complaint further.

 

Tip off BBC Watchdog, your local MP, and of course the OFT&TS.

 

And get reclaiming all of those fees and charges back, you'll probably find they owe you!

 

Head Office

 

Welcome Financial Services Ltd,

Ruddington Fields Business Park,

Mere Way,

Ruddington,

Nottingham,

NG11 6NZ

http://www.fscs.org.uk/news/2011/march/fscs-declares-welcome-financial-7pghpepm/

 

http://www.bbc.co.uk/watchdog/gotastory/

Edited by Bazooka Boo

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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three threads merged

 

please keep to ONE THREAD per debt issue

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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SAR welcome. Then reclaim all unlawful charges. no, they can't just turn up and repossess the car.

 

can no more highly advise you do this as a matter of urgency

 

you've been told several times over the course of the now merged threads to do this.

 

 

it'll end-up that they owe you i bet.

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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and if they ARE phoning 20+ times a day

 

get the harressment letter off PDQ too.

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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what are they sprouting off now to try and confuse the customer

 

silly beggers!

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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  • 3 weeks later...

Hi yes it did say that. Now had a letter off em saying they want photocopies of drivin license or passport o

Confirm our identity! Said they can't from info give

E.g name address account number etc

Shall I send it to them, maybe they want to know what we look

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Hi yes it did say that. Now had a letter off em saying they want photocopies of drivin license or passport o

Confirm our identity! Said they can't from info give

E.g name address account number etc

Shall I send it to them, maybe they want to know what we look

Like

 

Give them my details, tell them to go forth, do not collect £200 do not pass go, but do drop off the edge of a cliff, landing on a electricity sub station, causing a blackout across half the country, so the other 50% of the country that doesn't know how puerile and irritating they are can all vent their spleen in their direction also.

So they have confirmed in writing, that they don't know who you are and have been breaching the DPA on numerous occasions and want you to forward a complaint to the ICO, nice!! Mugs.....

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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