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    • Spoke to my SIL a short while ago Andy and he had the following to say.....     No, he had left their employment by this time, in fact he left January of this year.     August 2013 up until January 2020     Yes, in fact he had a staff MORE card.     He laughed and said "Hell Yes" This even extended to the pubs deputy manageress whom he described as the worst offender and knew that my SIL was doing it as well as other staff members.   There is a story here....   He told me that after he had left, the company fraud guys came in to do an audit with her unofficially being the main target. He has an idea that she may well have been caught with her hand in the till and so she sang like a canary to save her own arse.
    • this is what shell have just sent me in email, confirming mistakes were made it the final response / deadlock letter, they are only telling me this now, 6 months after the deadlock letter was sent to me and long after court action started   please is the actual deadlock letter binding, or can they just noll and void it like this?   Thank you for taking the time to speak with me this evening regarding your account. As agreed, I am emailing you with the details of what was discussed during our phone call so you have a copy in writing. I advised that you previously had an account with Shell Energy (formerly First Utility) for property  and this has an outstanding debit balance of £187.24. However, due to the age of the account and when the invoice was produced on this account, this balance is being cleared. This balance will be cleared within 10 working days and the account will be closed at a zero balance. In regards to account  I advised that back billing credit of £630.45 that was applied in April 2020 was applied in error and was later withdrawn. I explained that the reason it was applied in error is because the back billing period this amount was calculated for, is the same period that the back billing was previously calculated for and a credit applied to the account in February 2017, with the amount of £1192.32 being applied to the energy account. I advised that at the time the deadlock letter was written, the information within this letter was accurate based on the account at that point. After receiving the deadlock letter, you then escalated your case to the Ombudsman. It was at this point, an agent investigated your case and realised that the back billing credit of £630.45 was applied in error. This was addressed within the Ombudsman's findings in writing and they confirmed that the £630.45 was an error and it is correct in being removed, leaving the account balance at £644.48 which is valid and liable to be paid. I appreciate that you have advised the Ombudsman case is null and void as you did not accept their decision and you are right in saying that the actual final decision that they issued was non-binding upon Shell Energy. However, this does not change the outcome of their findings or the fact that the back billing credit of £630.45 was not due to the account. You queried if our call was recorded as you would need it for a judge, to which I confirmed it was recorded. If you want me to raise a SAR for a copy of this call recording, please do not hesitate to reply directly to this email and let me know and I can arrange this for you. I advised that as your case has now been escalated to Shakespeare, legal fees have now been incurred. I advised of the breakdown of these fees: Legal representative cost £70 , Court fee £60 and interest £146.06. I also confirmed that these legal fees were on top of the account debit balance, resulting in an overall balance of £920.54. As discussed, due to the case now being with Shakespeare, I am unable to offer any settlement figure internally. However, I can arrange for Shakespeare to call you directly to discuss your account and options available. You queried if they would be able offer/discuss a settlement figure/payment plan, to which I confirmed that I could not comment on this as I do not know their process, however they will be able to discuss the options in more detail with you directly. As agreed, I will arrange for Shakespeare to call you tomorrow; Friday 27th November 2020. If they are unable to get hold of you, they should be able to leave a voicemail for you. During our call, you also queried who would appear in court to represent Shell, whether it would be a member of staff directly from Shell or whether it would be a representative from Shakespeare on our behalf. I have gone away and spoken to our legal team who have confirmed that it would be Shakespeare who would lead with a representative on behalf of Shell. I hope the information in this email clarifies our position. As advised within our phone call, I am genuinely sorry for the shortfalls you have experienced and I fully appreciate the frustration this has caused. As above, if you would like to request a copy of our call recoding from today, please not hesitate to let me know and I can raise a SAR for this. You can reply directly to this email or you can call on 0330 094 9158. Our lines are open Monday to Friday, 9:00am to 6:00pm. Please note that my working days are Wednesday to Friday each week. Yours sincerely,  
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Empingham/Welcome finance advice needed :-/

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We had an account with welcome finance dating back 8-9 years,

last made payment approx 5 years ago and since then

apart from a few attempts from various unsavoury dca's we have managed to avoid making payment.


This is due to two main reasons

- we are heavily in debt and

have negative available funds at the end of each month


Welcome stung us for PPI knowing full well it would be of little use as my wife is chronically ill and has been for 14 years.


We have made attempts at reclaiming the PPI but have never got anywhere and to be honest i can't recall the stage we were at as its such a long time ago.


We did have a letter from (i think) the FSA regarding them pursuing a PPI claim on our behalf against Welcome

and advising us that they had gone into administration or something but we have not had any response and thats at least 12 months ago.


in the past 6 weeks we have begun to be bombarded with calls from Empingham regarding the welcome debt!


Can anyone advise on the best course of action please?


Can they chase a debt from a company who is in administration and if they now own this debt can we pursue them for PPI?

I am at a loss and my wife is still having chemotherapy and her phone is ringing constantly with these hounding us both at all hours :-(

Any advice would be greatfully received.


Thank you

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Sorry to post again, but i have done some digging and gone through my paperwork which has refreshed my memory on things somewhat.

In January 2003 we took out the first car loan with PPI added, in 2005 we had a further one or two (i can find various details relating to two different dates in 2005) unsecured loans both with added PPI - each time we were advised that we wouldnt be able to have the loan without PPI!

In 2007 I sent an SAR and was eventually sent a huge pile of documents relating to the most recent account history with a letter saying 'if anything is not present then its because we no longer have it'. And after a few letters back and forth regarding PPI they sent a letter saying that it was their final response and that they didnt believe any wrongdoing had taken place. We haven't heard anything over the past couple of years until the Fscs contacted me (not FSA as prev posted) to advise that they were dealing with Welcome PPI claims from January 2005 onwards and to date we have heard nothing from them. I intend to chase this tomorrow.


Now I still wonder what the next best route is, as if Welcome no longer hold my account details prior to 2005 what chance do i stand of reclaiming PPI? In the short term i just need to stop Empingham from calling mine and my wifes phones night and day but due to the tricky situation i dont know how to do that!


This nightmare is just getting worse it seems with no end in sight :-(


Hoping someone maybe able to help :-)

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