Empingham chasing old [paid] welcome debt

[caravansite]

Hello everyone thank you in advance for reading.

 

I have just had a call from the above company,

 

they are saying i owe money to welcome.

 

I have had loans from them ages ago but i thought they were all paid.

 

They asked me to confirm my date of birth and post code but i said no cause i didn't know who they were,

 

they said i have had my chance and they are gonna send door step collectors round.

 

Now i guess at the moment there is nothing i can do but i am a bit worried about the threat.

 

Thanks for any thoughts

[BRIGADIER2JCS]

Hi, welcome to CAG.

Ignore the threats of collectors calling

they have no authority what so ever to

visit you, question you or ask for money

from you.

If they call again state ''in writting only''

and hang up.

Check your credit reference files to see if

any debt to Welcome shows up.

Welcome only exists now to collect old accounts.

There is a possibility that this ancient.

[dx100uk]

if you had anything from welcome

i bet you had PPI etc et

 

and lots of PENALTY charges

 

get relaiming!!

 

dx

[ray+at+home]

morning Caggers read this one and i have to say that empingham are now using badly recorded messages to get you to call them, press 1 if you are the person they require, press 2 if you are not the person but can you pass a message on to person 1recorded

[ray+at+home]

does any one know where Empingham are based has the address they give is a P.O. box

at the main postal delievery office

[dx100uk]

http://www.consumeractiongroup.co.uk/forum/showthread.php?259641-Empingham

[caravansite]

Hi

 

I have received letters from the above two companies in the same envelope, the one from welcome saying that the debt has been sold to lowells and the other from lowells saying they have bought the debt from welcome.

 

I am going to send sar and cca to the companies but can you please tell me which to send to who?

 

ta muchly

[caravansite]

Hi

 

I have received a couple of letters, one from Welcome saying they sold the debt to Lowells and the other from Lowells saying they had bought the debt, both letters came in the same envelope.

 

Now Lowells keep calling my mobile, this is not to much of an issue cause I wont due the security check and they tell me they wont take the call any further, I respond with okey cokey then.

 

Not sure what is for cause I had a car loan with Welcome with Gap insurance the car was wrote off in an accident and I refused to pay the outstanding balance they said I had - thought that was what Gap was for.

 

I also had a personal loan which was paid off - Welcome agreed to write off half if I paid it, I did.

 

Therefore it can only be either one of these balances which as far as I am concerned I don't owe.

 

Can you please advise what letters to send and to who?

 

Ta

[dx100uk]

merged with you old thread on this subject

 

seems like you ar on a phishing list

 

did you ever get your CRA file?

 

might give you a clue

 

see below

 

dx

[caravansite]

Hi DX

 

Thank you for the reply, is a "CRA" the £2.00 report that I can get from one of the companies?

 

Ta

[dx100uk]

yea if you have a card its free for 30days exp or eqi below

 

dx

[merlin100]

I had a car loan with Welcome that was paid up around 18 months ago. No payment ever missed and all on time.

When I made the very last payment (then immediately cancelled the DD), I rang them up asking if they were going to send written confirmation that the debt was paid in full. They did and Ive kept that letter to this day.

Knowing them as I do it wouldnt have surprised me if some DCA popped up about a year after the debt was paid demanding money on behalf of Welcome. As it happens, its all been quiet. But Ive still got the letter as I wouldnt trust them as far as I could throw them:roll:

[caravansite]

Hi All

 

I have done a CRA and it shows the Welcome Loan as settled but with a balance of almost £900.00 this is the amount that should have been settled when I paid them as agreed.

 

I have also received another letter from Lowell today saying they are going to send someone round to arrange to collect payments.

 

What should I do?

[dx100uk]

no t worry about it

 

they are NOT BAIIFFS

 

and have NO SUCH LEGAL POWERS

 

you CAT has more

 

IF the man in the MAC turns up

 

tell him to LEAVE YOUR PROPERTY

 

and call the police

 

dx

[dx100uk]

did you ever SAR welcome?

 

if not get it done now

 

i bet theres things to reclaim across all your loans

 

dx

[caravansite]

Ok

 

I will do an SAR to Welcome thanks

 

Is there anything for me to write to Lowells to stop them contact me by phone and letter whilst I am waiting a reply from Welcome?

 

Thank you

[dx100uk]

telephone harrassment letter from the library

green tab top left

 

dx

[caravansite]

Hi All

 

I am still awaiting my SAR from Welcome they have asked me to send proof of who I am, in the meantime I sent a CCA request to Lowell and I have received copy of the agreement today.

 

It is from November 2004 and the last payment was made in September 2008, the statement has lots of capitalization, fee assessments, an such like.

 

The figures are

 

Amount used to settle existing loan 1597.91

 

Acceptance fee 75.00

 

Total amount of loan £1672.91

 

APR is 15% and estimated repayment period is 60 months.

 

There is no total payable and no interest amount in money - should there be?

 

Also it is 100% definitely not my signature.

 

Anyone got any ideas about what I should do now - I thought I didn't owe them anything before now I am even more confused

 

Ta

[dx100uk]

seems like you've got the typical welcome staff agreement [as you refinanced]

but you didn't know

 

they often did that

 

even spoofing customer signatures.

 

can you scan it up?

set your default scan page size to A4 less than 300DPI [150 will do]

scan the required letters/agreements/sheets - as a picture[jpg] file

don't forget you can use a mobile phone or a digital camera too!!

'

BUT......

ENSURE: remove all pers info inc. barcodes etc using paint program

but leave all monetary figures and dates.

*********************************************************

{DO NOT USE A BIRO OR PEN OR USE SEE THRU TAPE OR LABELS]

try www.pdfescape.com TO BLANK STUFF,

*************************************************************

or

DO IT IN MSPAINT.EXE or any photo editing program

goto one of the many free online pdf converter websites ...

http://freejpgtopdf.com/

..

if you have multiple scans/pics

put them in a word doc FIRST and convert that to PDF

or use www.pdfmerge.com

 

convert existing PC files to PDF [office has an installable print to PDF option]

..

 

it would be better to upload a multipage pdf if

you have many images too rather than many single pdfs

.

or if you have PDF as an installed printer drive use that

or use word and save as pdf

try and logically name your file so people know what it is.

though dont use full bank names or CAG in the title

i'e Default notice dd-mm-yyyy TSB

.

open a new msg box here

hit go advanced below the msg box

hit manage attachments below that box

hit the add files button on the top right

hit select files, navigate to your file on your pc

hit upload files

.

dx

[caravansite]

Hi DX

 

Thank you for looking for me

 

I have done attachments, had to use felt tip, hope its ok!!

 

I look forward to hearing your thoughts

 

Thanks

[dx100uk]

ok that says it was signed on trade premises

 

did you ever remember going anywhere to sign that document?

 

dx

[caravansite]

Hi

 

No I didn't sign it, its not my signature, shouldn't it have prescribed terms on it? like the monetary figure of the interest amount?

 

thank you

[dx100uk]

that's the least of their worries

 

if that's NOT your sig

 

then the witness sig is FRAUD by a member of welcome staff.

 

would be int to dig and find out who it is.

 

dx

[caravansite]

I certainly would like to know who it was that tried to badly forged my signature. Don't suppose I ever will though.

 

Any ideas where I should go from here? Lowell's want me to contact them with a payment plan!!

[dx100uk]

tough ignore lowells.

 

dx