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    • 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?
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Welcome Finance any dealings???


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Only way I could get Welcome to cancel unwanted PPI on son's car loan was to email their parent company's Chief executive. They soon moved when he kicked their asses. It took 6 months of writing letters (all by recorded delivery and signed for) to the branch and to head office in Nottingham, never got a reply to any one of the 8 letters sent. Apparently the CEO of Cattles (parent company) is unhappy with the bad press that Welcome is getting (Aw shame). Finally got a new agreement without PPI but still waiting for refund cheque for £300 of PPI already paid - so CEO got another email this morning!!

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I just S.A.R - (Subject Access Request)'d Welcome, got everything in good time and all seems to be there when I was flicking through but you are not going to believe this ....... the very last page was a list of other people's names, their loan account numbers and customer account numbers!!!!!

 

I'm speechless, they clearly do not give a crap about data protection if they are making silly mistakes like this.

 

On another note, on the last page of my statement the very last enrty is "full write off" (About £3500) on the 19th July! Does that mean as I have read it that the debt is written off completely or could this still be sold to another DCA?

 

I still have the default despite a number of letters sent to them regarding CCA and not having sent out a default notice, do you think I could threaten them with reporting them to the Information Commissioners Office for sending me that page with all those peoples details on it and somehow use this as leverage to have the default removed from my credit files?

Completed:

RBOS Charges - £2435 settled in full :)

RBOS Default Removal - Removed :)

Carphone Warehouse Default Removal - Removed :)

Welcome Finance Default Removal - Removed :)

Viking Direct CCJ - Removed :)

Littlewoods Default - Removed :-o

 

Ongoing:

N Hunter SAR

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Hello all! New member since I got fed up of welcome,

 

I've been paying off a loan for awhile now, they Never seem to tell me how much is left and resfuse to sell me what my intrest rate is..

 

Not only that but they've kept promising to change me to a closer Branch yet i receive nothing to show this, nor cant i get information on this closer branch from them..

 

I'm planning to get a Reconsolodation loan at a low apr hopefully with barclays... but that fact is I cant seem to find out how much I currently owe!

 

I'm goin to ring them on monday and continue to push and poke....

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If you can't get anywhere with them (they are notoriously bad communicators) email their CEO - it's the only way I could get them to get off their a***s and comply with my request. (see my post yesterday). If you can wait until Monday I'll post the email address you need - it's on my PC at work.

 

Hope this is helpful.

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Please consider making a donation, however small, if you have benefited from advice on the forums

 

 

This site is run solely on donations

 

My advice is based on my opinion and experience only. It is not to be taken as legal advice - if you are unsure you should seek professional help.

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If you can't get anywhere with them (they are notoriously bad communicators) email their CEO - it's the only way I could get them to get off their a***s and comply with my request. (see my post yesterday). If you can wait until Monday I'll post the email address you need - it's on my PC at work.

 

Hope this is helpful.

 

Hey Ell,

can you please post the address and full name:)))

 

 

Kind regards,

 

 

 

Itsme

Carphone Warehouse WON £195.00

Welcome Finance in Court. N244 accepted.

Barclaycard WON with contractual, PPI and charges for time spent and letters sent

Halifax solo, switch, Credit Classic, Halifax one Itsme Vs Halifax 2 accounts

Creation Finance Prelim received offer of £79.88.... Itsme VS Creation Finance

Vodafone overcharged Vodafon.. anything that could be done?

 

U know where the scales r:)))))

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No problem, will do it Monday morning

 

;)

Help us to keep on helping

Please consider making a donation, however small, if you have benefited from advice on the forums

 

 

This site is run solely on donations

 

My advice is based on my opinion and experience only. It is not to be taken as legal advice - if you are unsure you should seek professional help.

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Hello all! New member since I got fed up of welcome,

 

I've been paying off a loan for awhile now, they Never seem to tell me how much is left and resfuse to sell me what my intrest rate is..

 

Not only that but they've kept promising to change me to a closer Branch yet i receive nothing to show this, nor cant i get information on this closer branch from them..

 

I'm planning to get a Reconsolodation loan at a low apr hopefully with barclays... but that fact is I cant seem to find out how much I currently owe!

 

I'm goin to ring them on monday and continue to push and poke....

 

 

 

 

hi there renamix i had the same problem with welcome so we sent them a cca and s.a.r letter they replied with a letter saying that they were unable to find a copy of our contract so as a gesture of goodwill there have written of our debt to them and it will be taken of our credit file if i was you i would try that and at least you will find out how much you owe them. you can find templates on here to copy as well hope this helps from taloola1

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Hi guys, I SARed welcome 2 months ago at least and guess what they put the 10.00 towards the debt. Muppets. They did send me a statement but thats all. I asked for eveything including CCA. So please help where do i go from here. They keep sending me letters saying due to my financial situation they are more than happy to accept a nominal payment monthly for now. Methinks they may not have credit aggreement. Is there a letter i can send to them re non compliance and who and where isthe best place to send it to. Is there an e. Mail address i could send it to. Thank you in advance everyone. By the way my loan was car finance.

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The car was 6,000 and with finance charges etc the total was 10536.00.And have paid 7260.00 off. I ancelled the ppi right at the start. Lots of charges on my account. And also payments they say have bounced from bank did actually go though. checked my bank statements. So the figure left owing should be less. Am truly sick of them, Fed up of being passed from pillar to post and office to office.

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As promised - contact details for Cattles CEO (Welcome parent company)

 

Seán P Mahon, Chief Executive

Cattles Plc

Kingston House

Centre 27 BusinessPark

Birstall

Batley

WF17 9TD

I sent my letter by recorded delivery and then sent it as an attachment to his secretary (they won't give you his own email address!)

[email protected]

Good luck

  • Haha 2

Help us to keep on helping

Please consider making a donation, however small, if you have benefited from advice on the forums

 

 

This site is run solely on donations

 

My advice is based on my opinion and experience only. It is not to be taken as legal advice - if you are unsure you should seek professional help.

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As promised - contact details for Cattles CEO (Welcome parent company)

 

Seán P Mahon, Chief Executive

Cattles Plc

Kingston House

Centre 27 BusinessPark

Birstall

Batley

WF17 9TD

 

I sent my letter by recorded delivery and then sent it as an attachment to his secretary (they won't give you his own email address!)

[email protected]

 

Good luck

 

hi there the email address doesnt work , do you have another email address for her?

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Hi All,

 

Yet another welcome problem, my partner took out a loan with them before christmas 2006 but a couple of months back she contacted them along with her other loan companys telling them that due to her circumstances she couldnt afford her payments, she explained that it wasnt just welcome but all her debt payments had to be reduced so they aggreed to take reduced payments. They want her to sign a new contract and they want to see her payslips and bank statements but she has been unable to get time off work to goto there head office due to there finishing time and our location, she asked if she could post them but this is not allowed, but when she took the loan out they posted the contract to her and she posted her bank statement and payslip to them but that seemed to be fine. There staff just dont seem to be on the same planet she phones them to try and arange some other arangement but the lady on the phone tells her that the office is closed and she shouldnt even be talking to her never mind looking up the account (a total joke). Anaway sorry thats turning into a bit of a RANT. Just wondering what we should do.

 

Thanks in ADVANCE

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hi there i have had dealings with welcome we sent them a cca and S.A.R - (Subject Access Request) about 30 days ago they did reply with some account information but no contracts so i rang them last week and had a row with them and left it with a woman who said that they cannot find any contracts for us.. i left it at that but today just got a letter saying that as a gesture of goodwill they have written our debt of as they cant find the contract now that is a good feeling thats OVER £5000 worth of debt gone just like that......

my quriey is if they have no contract then how have they been able to take my money for the last 10 years and is there anyway i can get that money back if anyone could help that will be great.........

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Hello Moto,

 

 

I believe you are new:)

 

You do need to read FAQ and learn how this site works...There are so many templates of the letters in library, including SAR...

 

 

if you need anything let us know:)

 

 

regards,

 

 

Itsme

Carphone Warehouse WON £195.00

Welcome Finance in Court. N244 accepted.

Barclaycard WON with contractual, PPI and charges for time spent and letters sent

Halifax solo, switch, Credit Classic, Halifax one Itsme Vs Halifax 2 accounts

Creation Finance Prelim received offer of £79.88.... Itsme VS Creation Finance

Vodafone overcharged Vodafon.. anything that could be done?

 

U know where the scales r:)))))

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  • 4 weeks later...

Hi, I too have had awful experiences with Welcome. Had a car loan for 48 months for the sum of 3750 and they added PPI for £1600. Hubby was self employed at the time on short term contracts. The problem with this loan is that I checked it the other day and the box where it says signed on behalf of Welcome is not signed or dated. This was repaid after 9 months. It was paid off with a secured loan, there is no sign of a refund of PPI on the original loan. This loan was for £24000 as we were told this was the maximum we could borrow. They then added a single lump sum of £4320 on top and therefore worked out the monthly payment of £465 for 180 months. The problem with this loan is that we were never told that PPI cover is only for 5 years. The settlement figures also look like telephone numbers with no full stops!!!:confused:

 

Have not questioned these figures as yet, and am in the process of serving SAR. But any advice would be appreciated.

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  • 5 weeks later...

I see this thread has gone pretty quiet, has anyone had any updates yet?

Friendship costs nothing but its rewards can be priceless. Do not judge, as you will not be judged but if you can, try and assist where possible.:smile:

everyone is entitled to MY opinion!:D

I offer my comments without prejudice or liability.

If you found my advice helpful, please click the scales at the top.

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Hi all just to update you on my win over these robbing bu**ers

 

Transfered the debt to Hillesdon Securities, i summoned them to court for breach of the CCA requests and harrasment.

 

DEBT written of in full! All information removed within one day from my credit file.

 

Will scan the letters when i get time.

 

Kind regards

 

SB

SBFIDO

 

Accredited Member of the CIEH

 

No more will I be bullied or harassed.

 

When informed that the call is recorded for training and monitoring I always say I don't want it used for training. :razz:

 

I always ask for the ICO registration information - they often dont have it, shame i never discuss my personal data unless I know they comply with the DPA.

 

Finally I always record calls and state at the start of there call. Although I don't have too.

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hiya all welcome fighters, unfortunatly my fight continues. after several letters back and forth, welcome had the ccj and interim charging order set asisde on the grounds that they had not handled the complaint in a timely manner?

all was quiet after that, then a couple of weeks ago a nasty letter from the branch office saying they will pass the debt on even though they have still not fully complied with the cca request and the complaint remains unresolved. fired another letter back saying they had not complied with oft guildlines etc

got a letter back yesterday saying come into the office to discuss face to face and pls confirm this is your adress and we need an upto date contact number. on your bike welcome letters only. so i shall be writing back saying in writing only, and they do not need any telephone numbers idiots

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we are still with w f and its gone up to over 20 odd thousand from 18

they said its intrest etc

but the pp are paying it since hubby came out work under ill health they have sent him for one assessment now yet again they sent him for anotherone yesterday

i thought that it would have been paid in full with my hubby being made retired under ill health at the age of 46 but no they havent now we have to wait n see for the results of yet again another report from the assesment he has chronic siatica with groin n leg pain and now awaitin to see what is wrong with his hip

abg

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Hi There Welcome Coundn't Find Any Contracts Signed By Me Or My Husband So They Have Written Of All Our Accounts Worth Over £5000 What I Was Wondering Is Can We Claim Back Any Money We Have Paid Them Over The Last 10 Years Considering They Didnt Have A Contract And No Legal Right To Take Our Money.................

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Hi Taloola, try sending them an SAR and see what they have. Once you get it you can go through it and see what charges they have placed on your account, then claim them back, as for recovering ALL monies paid to them I doubt this would be successful especially as they have written off over £5000 for you and state they cannot find any contracts etc, it may be better to let sleeping dogs lie so to speak? but If you decide to go for all of your money back you might need to recruit the help of a good solicitor.

Friendship costs nothing but its rewards can be priceless. Do not judge, as you will not be judged but if you can, try and assist where possible.:smile:

everyone is entitled to MY opinion!:D

I offer my comments without prejudice or liability.

If you found my advice helpful, please click the scales at the top.

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