Can someone advise on Welcome Finance Harrasment and default notice please!

[Superashley]

Hey everyone, first of all, apologies if i am reapeating what has already been posted on here,

 

but im new and its hard to pick out the relevant imformation sometimes,

 

so im posting from my point of view in hopes it will be clearer for me!

 

Here goes......

 

I took out a loan with welcome finance around 4 years ago for £1000.

 

I paid them regularly each month, for about 6 months then i borrowed another £500 and continued to pay regularly.

 

Around 3 years ago i asked for the payments to be reduced as i was having some financial problems which they agreed to.

 

After 6 months or so they started calling me over and over and sending letters saying they needed to discuss my account,

as they wanted me to increase the payments, i ignored them, but continued to pay,

and i also changed my phone number (for other reasons) and did not give them my new one.

 

Then i continued to get a few letters every few months or so which i ignored, this went on for years untill i moved house around 3 months ago.

 

Last month after a series of mishaps, i had to cancel all my direct debits including theirs.

 

I have since recieved a letter from them at my new address (How do they know where i live?) asking me to call.

 

I cant deal with talking to theses kind of people on the phone so i thought i would send a letter asking them to contact me only by post

and i would reinstate the direct debit back to how it was.

 

Before i even had a chance to send it the worst thing happened.

 

Now they have started hassling me at work.

 

I have never told them where i work, as i have only worked there for 6 months, they call over and over and get very agressive to the people that answer,

saying things like 'i am gioing to call here every day untill you put him on! Surely thats not allowed?

I never speak to them.

 

I saw the complaint letter template and was going to send it but then i worried that this would be comfirmation for them of my address and work address,

as it seems clear to me that they have been looking hard for me,

even though i have missed 3 payments of just £73 each!

 

Now today i have recieved a letter of default saying i have untill 19th nov to pay the arrears.

what happens with the rest of the loan?

 

Before i pay anything i want to see all the infor they have as it says on the letter i owe £1750

but thats more than the original loan, and iv been paying it for years,

even with intrests that alot.

 

What should i do?

 

I cant call them,

i panic just thinking of it,

and im worried that this will mean some kind of acknowledgment if i do.

Is it possible to pay the arrears then send them an SAR for the rest of the account?

 

Someone please help me im at my wits end and dont know how to cope with this.

 

Thanks.

[dx100uk]

hi ashley

 

firstly

 

you need to contact the OFT as a matter of urgency

they ARE NOT allowed to call your works number EVER

 

if they have recording , get them

and fwd those to the OFT too.

 

now this £1k loan that was refinanced..

 

i would suggest that you get that SAR off ASAP

 

90% of all welcome debts are compulsory insrance or PENALTY charges

 

get reclaiming!!

 

as for talking on the phone

 

you are under NO legal obligation to talk

about your debts on the phone

 

ignore them.

 

dx

[Superashley]

Thank you for your swift response.

 

i will contact the OFT right away.

 

Should i tell welcome that i have done this?

 

Should i still pay the default sum or just send the sar and wait for that before i pay anything?

 

It says if i dont pay they will apply for attachment of earnings or a charging order,,

i dont want that.

And how do i sent the money for the sar?

postal order?

cash?

 

Thank you so much!

[dx100uk]

it doesn't say they WILL read it properly.

 

if, might, may, could, instructed, recommend..not WILL.

 

no dont tell welcome about the OFT complaint.

 

if you want

 

put the debt in to dispute

 

fire off a CCA request too [£1]

 

sar is £10 Blank PO will do.

 

how much are the arrears.

 

dx

[Superashley]

The arrears are for £218.40.

And your're right now that I am re reading it, it does say MAY do this and that, not WILL.

[dx100uk]

your call if you pay then

 

i would suspect PENALTY charges & PPI etc will wipe this debtout

and

put money in your pocket.

 

have a read of a few threads in this forum

 

got any of the agreements?

 

dx

[Superashley]

Really?!

 

Oh my god that would be amazing.

 

Im not sure if i have the agreements,

was so long ago and got rid of so much when i moved

but i will make it my priority to have a good dig around for it tomorrow.

and i will send a cca request too.

[dx100uk]

go get 'em

 

dx