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Statements, Charges, Penalties, Default Sums

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Hi,

I recently sent a SAR to Welcome and have received a statement that shows a "Principal Credit Adj" of £573.96 with no other explanation.

 

I have managed to find various letters and documents that I have scanned onto this post.

 

None of this makes sent to me,

 

can someone have a look at them and tell me what might be going on?

 

If I go by the latest notice the balance outstanding is more than the balance shown on the notice from "their" collector who I pay.

 

I am still waiting for their SAR by the way, these are just my documents.

 

I have to upload them 5 at a time, different posts,

 

sorry.

Any help please?

Edited by PenaltiesGalore

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PDF them please

 

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 figures and dates. {DO NOT USE A BIRO OR PEN]

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

..

goto one of the many free online pdf converter websites [http://docupub.com/pdfconvert/]

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.

i'e Default notice dd-mm-yyyy

.

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

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Hi Dx,

 

Sorry, have now uploaded as PDF's.

 

I can't upload all the files as it says 5 maximum per post. I have another 20 odd letters and other notices.

 

I have been trying for the last hour to see if I am doing something wrong.

 

On the notices there is an acceptance fee, collection fees and other charges.

 

PG

Edited by PenaltiesGalore

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make them a multi page pdf

 

put all the leeters etc in one word doc

 

and convert that using the link in blue in the instructions

 

dx


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

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Hi Dx,

 

I tried to merge all the files but managed to just merge 5 at a time.

 

Hopefully they are all on here now showing all the collection fees and other charges.

 

Thank you for your help.

 

 

PG

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ideally we need to await the full sar

 

however i'll poke around later

 

dx


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

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notes

the default notices of 9/3/10 & 3/9/11

is invalid on the following points:

no specfic date is given in the required form of DD/MM/YYYY

NOT '14 days

it contained PENALTY charges [ref NOSIN issued 31/12/2009]

lots of charges to reclaim

also they have offered a discount so somethings wrong with the bal.

and what do you mean by 'their collector in post 1'

dx


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

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Hello Dx,

 

Sorry, I better clarify, I presume they sold the debt so I was getting letters from a third party and I am paying them.

 

Hence my surprise when I received the January statement after their acknowledgment that they were dealing with my SAR.

 

The statement shows a'credit adjustment' of over £500. The third party account balance is less than the welcome statement.

 

After looking at all my documents, I noticed all the 'collection charges' which I had not noticed before. This was before the third party was involved.

 

Thank you for looking at the documents for me

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who are you paying

 

dx


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

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lewis are welcome.

 

so the debt is not sold.

 

i hope this is not a doorstepper?

 

dx


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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oh dear!!

 

i bet a % of what you are paying goes into his pocket.

 

IMHO i would fob him off now.

 

tell him you have been to CAB and theyhave said that unless he produces a copy of the agreement

you should cease paying him.

 

things are beginning to smell here

 

dx


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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oh dear!!

 

i bet a % of what you are paying goes into his pocket.

 

IMHO i would fob him off now.

 

tell him you have been to CAB and theyhave said that unless he produces a copy of the agreement

you should cease paying him.

 

things are beginning to smell here

 

dx

 

The strange thing is that the 'collection charges' shown on some of the notices scanned above were BEFORE the doorstepping started!

 

Are they charges that can be claimed back?

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YES!!

 

dx


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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Hello All,

 

I have today received two statements in respect of the loans that I have/had with this company.

 

I am assuming that this is in respect of a SAR request that I sent to them.

 

I have not received anything else, no agreement, no copies of default notices, no notice of assignment of debt to a debt collection agency, no notices of default charges levied, although the statement does show a few of these but none of the so called "Collection Charges" as shown on the documents attached above.

 

Thank you.

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might not be in one pakage

 

might not even be the sar return

 

not 40 days yet

 

dx


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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might not be in one pakage

 

might not even be the sar return

 

not 40 days yet

 

dx

 

Hello Dx,

 

Sorry, being too eager here methinks.

 

Hope you are doing well.

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Hello all,

 

An update,

I received the reply to my SAR,

just the amended statement that I stated above.

 

None of the documents that I had scanned originally, no default notices, no assignments of debt notice to the'collection'agency.

 

I think welcome have only sent what they want to send.

 

How can I now prove that the penalty charges were more than they are now actually stating?

 

On the statements sent it is saying penalty charges of £45 odd, not the figures that are scanned in the original statements above.

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so basically clarification that you've been cash cowed.

 

dx


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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Hello Dx,

 

Yes, it appears so.

 

Ombudsman or the court route?

 

I have the few letters that I posted originally that show collection charges but don't know how many other charges were added on.

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have you an actual statement from the doorstepper?

 

any paperwork from the doorstepper at all?

 

when is he next due?

 

i feel a little play acting coming on from you

to catch these buggers out.

 

dx


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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