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    • Have you suffered any loss from fraud?
    • Hi   I recieved the following email a few days back I sent a complaint but had no response or acknowledgement        Dear Me Unfortunately, I am writing to you to let you know that earlier this week we discovered that DivideBuy and its customers (including you) have been the victims of a cyber incident, which involved some of your personal data being accessed. I wanted to write to you as soon as I could, to let you know what we have discovered so far, and how we are going to protect you against any consequences of this attack. Details of the Data Breach In the last few days, since becoming aware of the incident, we have been working hard, together with external specialists, to make sure that all data is secure and that an attack of this kind cannot happen again. We have also established that within the information that was accessed it may be possible to identify: Name Date of Birth Address Telephone Number Email address Associated Alias Although some credit report information was also contained within the material that was accessed, this was not stored in a readable format and so is not likely to be able to be used by the person or persons who accessed it. Please be advised that the data compromised in the incident did not contain any bank account or credit card information.   Further Steps My primary concern, and the concern of everyone at DivideBuy, is to make sure that as far as possible you are protected from any worry or other adverse consequences as a result of this incident. In conjunction with TransUnion International UK Limited (“TransUnion”), one of the UK’s leading consumer credit reference agencies, we have therefore arranged a 12 Month subscription to TrueIdentity, an online monitoring service, at no cost to you. This credit monitoring service will notify you by email of critical changes to your TransUnion Credit Report.  Should you receive an email alert, you can review and validate the reported change by logging into the TrueIdentity portal. This allows you to identify any potentially fraudulent activity on your TransUnion Credit Report.   How to access TrueIdentity To take advantage of this service and help protect your identity, please visit:  https://trueidentityassist.creditview.co.uk And enter the following Secure Access code below before 30th March 2021: DVB1346 Upon successful completion of the registration process, you will have access to the following features: Unlimited online access to the TransUnion Credit report. Unlimited online access to the TransUnion Credit Score, with score factors analysis. TransUnion credit monitoring alerts with email notifications to key changes on a consumer’s credit file. Unlimited access to online educational resources concerning credit management, fraud victim assistance and identity theft prevention.   What should I do if I believe I am a Victim of Fraud? If you believe you are a victim of fraud, check your credit report and dispute activity via your TransUnion Credit Report that you do not recognise. TransUnion will then contact the Lender who has provided the data to make them aware that the data is possibly fraudulent. The Lender will then perform a fraud investigation and remove any data if they find evidence that fraud has occurred. You may wish to add password to your credit file as an extra level of security, so any lenders performing a credit search will need to request the password from you so they can proceed with the application. You can do this by adding a Notice of Correction (NOC), for free, to your credit file. You can do that by emailing [email protected] with the wording you would like to apply and include your full name, address, and date of birth.  Please bear in mind that Notice of Correction data is not shared across the credit reference agencies. You can also request a Notice of Correction to be raised with the other credit agencies too, please see their contact information below:    Experian Ltd: https://www.experian.co.uk/consumer/guides/notice-of-correction.html Equifax: https://help.equifax.co.uk/EquifaxOnlineHelp/s/article/What-is-a-Notice-of-Correction1   You may also wish to contact Cifas, the UK’s fraud prevention service. They will be able to apply a Protective Registration warning on your credit file, for an administration fee.  To inform Lenders that you think your data could be at further risk of fraudulent access, so they can make additional checks to protect you moving forward.   The Protective Registration flag can be applied to your file with immediate effect by telephoning 0330 100 0180 (and must then be confirmed in writing).  You can also apply online at www.cifas.org.uk/pr_for_individuals. I, together with all of my colleagues at DivideBuy, truly regret any inconvenience this may have caused you, but we are working hard to put this right and to make sure that it cannot happen again.     Rob Flowers Chief Executive Officer   You are receiving this important information email because some of your data was on our database at the time of the data breach. You have NOT been added to our marketing lists or any other email list. We are sending this email to a list of people to provide important and urgent information updates about the data breach ONLY. You will not receive any marketing emails from DivideBuy unless you have signed up to receive marketing emails from us. If you wish to contact us regarding the matter you can contact us by post or email [email protected] www.dividebuy.co.uk Copyright © 2021 DivideBuy, All rights reserved. DivideBuy, Brunswick Court, Brunswick Road, Newcastle-under-Lyme, ST5 1HH, UK     I went on the dividebuy live chat and was told that dividebuy are not giving compensation for this breech, what can I do as this is causing me all sorts if worry now that my identity is going to be used in fraud, they have offered the 12 month transunion thing but I can't help but think this won't pick everything up on the dark web. I suffer from bipolar and I am really struggling to deal with it.   Is it worth me starting a County Court claim for damages or would I be wasting my time. Or would it be too early to start that and need to go through a certain route?   Tia
    • It was £229 DIGIHOME 32INCH HD READY SMART TV   Dx100 so ill have to wait for them to get back to me and then take it to a repair shop to diagnose the fault? Do you think there's any chance they might just replace it? It was only £229 which is not a lot to them but not an amount i can afford to just replace unfortunately.  
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    • Ebay Packlink and Hermes - destroyed item as it was "damaged". https://www.consumeractiongroup.co.uk/topic/430396-ebay-packlink-and-hermes-destroyed-item-as-it-was-damaged/&do=findComment&comment=5087347
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    • I sent in the bailiffs to the BBC. They collected £350. It made me smile.
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    • Hi @BankFodder
      Sorry for only updating you now, but after your guidance with submitting the claim it was pretty straight forward and I didn't want to unnecessarily waste your time. Especially with this guide you wrote here, so many thanks for that
      So I issued the claim on day 15 and they requested more time to respond.
      They took until the last day to respond and denied the claim, unsurprisingly saying my contract was with Packlink and not with them.
      I opted for mediation, and it played out very similarly to other people's experiences.
      In the first call I outlined my case, and I referred to the Contracts (Rights of Third Parties) Act 1999 as the reason to why I do in fact have a contract with them. 
      In the second call the mediator came back with an offer of the full amount of the phone and postage £146.93, but not the court costs. I said I was not willing to accept this and the mediator came across as a bit irritated that I would not accept this and said I should be flexible. I insisted that the law was on my side and I was willing to take them to court. The mediator went back to Hermes with what I said.
      In the third call the mediator said that they would offer the full amount. However, he said that Hermes still thought that I should have taken the case against Packlink instead, and that they would try to recover the court costs themselves from Packlink.
      To be fair to them, if Packlink wasn't based in Spain I would've made the claim against them instead. But since they are overseas and the law lets me take action against Hermes directly, it's the best way of trying to recover the money.
      So this is a great win. Thank you so much for your help and all of the resources available on this site. It has helped me so much especially as someone who does not know anything about making money claims.
      Many thanks, stay safe and have a good Christmas!
        • Thanks
    • Hermes and mediation hints. https://www.consumeractiongroup.co.uk/topic/428981-hermes-and-mediation-hints/&do=findComment&comment=5080003
      • 1 reply
  • Recommended Topics

Can anyone help re: Welcome Finance/IND??

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Hi all, I' new here but I was wondering if anyone could help me with an old welcome finance debt?


In november 2007 due to being made redundant I missed a payment to welcome finance. The loan was for a car and who we spoke to on the phone said I needed to make payments or they would take the car. I struggled but was unable to keep up with the payments and told them on several occasions, both over the phone and in writing that due to financial hardship they would have to take the car. I didn't hear from them again and the car has been sat in a garage for the last 5 years as I didn't know if they'd come and take it at any time, so we bought a cheapie run around and sorned the WF car.


Three weeks ago, after our car blew up beyond repair and not having enough funds to buy a replacement car I taxed and tested the stood up car, as I need to get to and from work, have kids that need running around etc. Last week I recieved a letter from IND:




Welcome Financial Services Ltd Account Number XXXXXXXXXX outstanding balance of £XXXXX


Please find attached a statement of your account with Welcome Financial Services Ltd.


This amount is now seriously overdue and you should pay the amount immediately.


Call us immediately to settle the account.


Yours faithfully


(illegible squiggle) IND LTD


On the back of this letter is headed Account Statement with the original creditor, reference number (different to the one on the other side?) Default date and outstanding amount.


Another sheet of paper was included with this one: LAST LETTER BEFORE LEGAL PROCEEDINGS.


Welcome Financial Services has appointed IND Ltd to collect the full outstanding balance owed by you relating to the account(s) detailed above.


To discharge the outstanding balance, you should make a payment of £XXX direct to IND Ltd now. You should not make any payment to Welcome Financial Services Ltd, as it will take significantly longer to process any such payment.


It then tells me I can call and pay over the phone, send them a cheque etc


In the event that £XXXX is not recieved by us in cleared funds by 04/06/2012 legal proceedings to recover the amount due will be commenced against you without further notice.


It then outlines they'll also be recovering court costs, solicitors fees, interest etc. It goes on to say that I've been sent a series of letters and this is the last one they'll be sending-they haven't.


Why is this company dealing with it and not welcome?


This morning the postie brought me court papers for Northampton county court. It's got Welcome listed as the claimant, not IND, and another company listed to send documents and payments? The company listed to send documents etc to is also the name printed as the claimant at the bottom.


I don't know what to do, can anyone help please?

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Hi Perry what date did you last make payment?






PS Welcome to CAG

We could do with some help from you.



 Have we helped you ...?         Please Donate button to the Consumer Action Group The National Consumer Service


If you want advice on your Topic please PM me a link to your thread

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Hi Andy, thanks for replying. I last made a payment November 2007, when I told them to collect the car, I sorned the car at the same time in anticipation of them collecting it. They didn't and it was the last I heard from them until recently.

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So next November for Statute Barred, have you received a Notice of Assignment from either Welcome or IND?

We could do with some help from you.



 Have we helped you ...?         Please Donate button to the Consumer Action Group The National Consumer Service


If you want advice on your Topic please PM me a link to your thread

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are you 100 % sure welcome are the claimants


welcome as a rule do not start court proceedings


they just sell/assign an account to a dca


what is the name of the company to send payments,coresspondants to


welcome are history, they do not exsist anymore as all assetts have been sold to another company from welcomes parent company, cattles


companies house have welcome financial services as dissolved

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Thanks for that info squaddie. It was IND that contacted me a couple of weeks back, quickly followed by the court papers. The court papers name Welcome as the claimant, but all papers etc are to be sent to another company, not welcome or IND, this company are named in the claimant signature box at the bottom. I'll go and get the papers and check the company.

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Right, the claim form is for Northampton court. On the lefft hand side we have:










FW17 9TD


Address for sending documents and payments (if different)







08715 999999








Particulars of Claim


The claimant claims for sums due under a/various Credit Agreement(s) related only to money regulated by the Consumer Credit Act 1974 entered into between the claimant and the defendant. The agreement(s) was/were terminated upon the Defendant failure to comply with the terms of the Agreement(s). The claimant complied with section III and IV and Annex B of the PD Pre-Action Conduct.

And the Claimant Claims:

Hire Purchase Account Number ******* balance of ***** as of 28/11/07.

Interest under s69 of the County Court Act 1984 at the rate of 8% a year from 28/11/07 to 6/6/12 of ****** and also interest at the same rate up to the date of judgement or earlier payment at a daily rate of £2.23 AND costs.

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that address for welcome is cattles, welcomes parent company but


welcome finance no longer exist


taking advice on this one


ill be back later

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Sorry, but Welcome Financial Services Ltd are still actively trading according to Companies House. Company number 00133540. Wish I could agree that they were dissovled. Sorry to be the bearer of bad news and apologies that I can't offer anything construction.


Good luck

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Sorry, but Welcome Financial Services Ltd are still actively trading according to Companies House. Company number 00133540. Wish I could agree that they were dissovled. Sorry to be the bearer of bad news and apologies that I can't offer anything construction.


Good luck


I don't usually respond on these forums, but decided it was a good idea to on this occasion.


Yes, Welcome are still trading, only to recover debts and existing payments. I have had dealings with IND who would have sent the initial letters re the court action. I have found they will contact welcome if you have a querry with anything, although they are very very slow. Welcome sent me a letter yesterday which clearly shows the reference as IND phase IV Litigation. I am guessing they are doing all they can to recover as much as possible to cover the ppi claims being handled by the FSA. My PPI claim with them went to the FSA, but was sent to an address in Northhampton from which Welcome still seem to be trading.


I would also suggest checking your credit file, as in my case they re-registered a default and got everything ass backwards and tried to put it as new. My debt would have and should still be statute barred in few months, but with IND behind the scene I am just waiting for county court papers.

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