Welcome Finance any dealings???

[falcon185]

Hi All,

after some considerable time we have finally managed to throw off the shackles of Welcome finance. I went to my local office today and personally served them with A Subject Access Request, which I advised the manager she might like to forward it to head office along with my cheque for the £10 fee?

I was wondering if anyone else had had any dealings with Welcome and have taken action against them similar to mine. It would be great to get some feedback from anyone who has and what stage they are at or the conclusion of their action?

 

Hope to hear from you soon Bazza

[falcon185]

Hi Sandy,

I took in my S.A.R - (Subject Access Request) today personally and gave it to the manager. She seemed ( or made out she knew what it was all about) and was probably on the phone to head office as soon as I left. They have charged me and others, I believe, extorsionate rates and prey on people who have had some adverse history financially in the past. Well, time for the fat cats to be placed on a diet ;-)

 

Good luck with yours, keep me posted

Bazza:D

[falcon185]

Hi guys,

I'm not sure how you stand on the interest issue, however, if part of a contract is deemed void then surely the whole contract would be too?? something worth looking into dont you think?

My gripe with them is that we paid off out loan with tweo large payments but had late payment charges etc levied against us although we were still waiting for the money to be sent to them from another finance company. Also charged at least an extra £2000 or there abouts as penalties for paying off early redemption figure?

Will find out exactly how much soon!! ;-)

[falcon185]

What about hitting them with the unfair contracts ??? If you could prove to the court that you signed the dodgy contract under extreme pressure and hardship and you couldnt get help anywhere else financially and you felt you had no where or no-one to turn to to help you out of the financial mess you was in, assuming you weas in that situation of course.

[falcon185]

HI Guys, yes they are covered under the FSA, just cut and pasted this from their website ;-)

Welcome Financial Services is a trading name of Progressive Financial Services Ltd, which is authorised and regulated by the Financial Services Authority.

[falcon185]

I personally issued them with an SAR yesterday, the local office looked like they didnt know what to do with it, the manager made out she did which was quite funny really. Just waiting for the next 40 days to find out just how much they have taken off me in unlawful charges then the fun begins again ;-)

[falcon185]

Mine was a personal loan and hopefully when I get back the details of my account from them they will be paying me back all their extortionate charges within 6 wks ;-)

[falcon185]

Nice one Tony,

keep us posted on here and let us know how you get on, I will do likewise for all you Welcome fighters Dont forget the cheque for £10 when you take in your SAR Tony. you will probably find, like I did that the local branch wont deal with it they send it on to head office. Seems they will /have been getting quite a few ;-)

[falcon185]

Has anyone actually had a good result through taking action against Welcome??

[falcon185]

Hi Ron,

Try this Address:

Kingston House,

Centre 27 Business Park,

Woodhead Road, Birstall,

Batley WF17 9TD.

 

This is their main address I believe.

 

Bazza:D

[falcon185]

Thats typical Welcome though isnt it? I made numerous calls to my local branch in relation to my payments and having paid off a substantial ammount wanted them to reduce my payments, would they ring me back?? I bet you can guess the answer to that!

[falcon185]

Well done Northland, seems we have opened up a big can of worms here, Pelham, in relation to my interest charges I am unsure exactly what they are at the moment, hence the S.A.R - (Subject Access Request), once I have all the documentation I can study them and see what they are, unfortunately having moved since taking out the loan the agreement has been mislaid but have the boss searching for it. As for me stating the extortionate rates, I think everyone where Welcome is concerned would agree with me regardless of what my monthly/anual APR was, we went to Welcome for possibly the same reasons others do, in the past we had some financial problems and was looking at refinancing and clearing the whole lot once we had remortgaged, it took some time for us to sort everything but are now back on track. We, like others who had the misfortune of approaching welcome, did so as a last resort.

[falcon185]

Hi Guys,

did a bit of googling for you, mope this helps??:grin:

Progressive Financial Services

 

01159849200

 

Ruddington Fields Business Par , Ruddington , Nottingham , Nottinghamshire NG11 6JZ

[falcon185]

Hi Ronaldo,

I'm sure you can, send them a CCA +£1 and go through your acount, see how many times they have penalised you then go claim the excessive charges back, cant wait for mine to turn up although mine was a personal loan.

[falcon185]

Hi Ozzy,

I agree they really are the pits and they have the audacity to send you AND your wife identical letters and charge you for both? That is really taking the P*** ( as they always do) do they think that all their clients are stupid and wont pick up on things like that? It just shows what lengths these people will go to in order to squeeze more out of you.

Anyone taking on these Pirates of finance have my backing, as Wolfie Smith said..."Power to the People"

[falcon185]

Go get 'em Ozzy

[falcon185]

Hi Ozzy,

the way these Pro's work it was probably a mispronunciation ;-)

[falcon185]

In relation to the S.A.R - (Subject Access Request) I actually took mine personally into the local branch and gave it to the branch manager, she said that she would send it on to head office, if you do that with the £10 cheque they will forward it on for you. If they dont thats their tough luck they got 40 days ;-)

[falcon185]

Hi Guys,

just a quick update, took in my SAR on the 12th Oct, not heard anything since but give it time, will keep you posted as to how it goes.

 

Bazza

[falcon185]

Hi Seylectric,

we were with them for a few years and the only letters we got were for us to contact them, they stated that they had tried contacting us by phone but never got any answer, thats bull as we have a voicemail system on our phone, they never sent us statements either. I'm looking forward to what they do send in reply to my SARN it could be very interesting reading and almost certainly financially beneficial to us! ;-)

[falcon185]

I belive they are nbot allowed to call at your door unless by prior arrangement with you. I had them knocking on my door too until I told him that I would report him for harrassment and if he didnt leave my property I was well within my legal rights to escort him from my door using minimum ammount of force necessary obviously Needless to say, he left prety quick and they stopped knocking especially after I rang the Branch manager and told her he was trespassing;-)

[falcon185]

Hi Nikkiandmidgets,

welcome to the "Welcome freedom fighters" thread. Good luck in your battle and may our Force be with you! I'm sure your battle with them will be a resounding victory. Lots of members will help you if you need it, as they have with me. Its just a matter of time before you get back what belongs to you!

[falcon185]

Nice one George,

well done mate. About time this shower was held responsible for ripping people off. One Victory with many to follow!!

[falcon185]

Good luck Ronaldo,

not that your gonna need it, I'm sure everyone who takes on Welcome will come out of it smiling

[falcon185]

Hi Ronaldo,

is the car on credit with Welcome and was the SAR in relation to that loan account or a personal one? I cant see it having any bearing on either to be honest, at the end of the day your looking for their faults to be rectified and get back whats rightfully yours. ;-)