Coast claim for Possession - old Welcome secured loan - Disc'd once - now another N24/N11R - help ***Resolved***

[dx100uk]

my helpers is not around at present

 

word is the agreements are crap!

on many fronts.

 

dx

 

dx

[surrey_36]

Hi DX!

 

just wondering if your helpers are around and if you might have an idea if this agreement is right?

 

cheers for your help

[dx100uk]

i got a promise of help externally but it never came to anything sadly ...yet

 

dx

[surrey_36]

OK thanks for trying DX is there anything else i can do like contact the FOS or the ombudsman thatmight be able to help?

cheers!

Edited February 9, 2019 by dx100uk
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[dx100uk]

lo

 

so has anything changed?

 

whats the status now?

 

i'm wondering if brig can help

 

dx

[surrey_36]

Hi dx, sorry for taking ages to reply have been busy with new baby!

 

im still paying welcome £15 per month , on an arrangement

so thats still the same if thats what you mean?

 

do you know if its right the amount received in bank is different to that on loan sheet?

[MrZ]

Did you ever have more than one loan?

Was it Secured?

Did you ever do a modification or refinance?

Are the dates the same on each agreement?

Do any have your signature?

[IainHL]

A loan of £15,000 (amount of credit/cash advance);

A broker fee of £1,500;

An acceptance fee of £235.

 

The latter two figures being in the right range for that amount of credit. The difference between the illegible copy and the reconstruction being Welcome's realisation that the original was wrong.

 

However, it does not explain why £15,094.25 was received in your bank account!

[surrey_36]

thanks Mr Z, yes it was secured.

 

I did not ever modify or refinance this loan.

 

The dates appear to be the same.

 

The illegible copy had a bad version of my signature yes.

 

I only had this one loan with them but did have one other loan with another company

[MrZ]

Ok, well I think I know what they have done.

 

Can you scan the docs as a PDF and upload them here?

 

Be sure to remove account numbers, and your personal info and signature.

 

BTW what was the date of the original agreement?

[surrey_36]

Thank you MrZ here are the copies;

 

it is Feb 2007, my previous post includes a scan of the agreements,

if you get chance to have a look would be really great

surrey36 all welcome april 2013.pdf

Edited February 9, 2019 by dx100uk
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[ctid1987]

Ive no idea, but I am in a similar situation.

 

Can I ask what address you sent the SAR off to?

 

Thanks, Tony.

[surrey_36]

Can anyone help me check this agreement out, copy pdf docs up the page, just trying to work out why amount received in bank differs from any figures on the paperwork

Edited February 9, 2019 by dx100uk
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[Grundles]

Mine had differing numbers on it. The one was what they actually lent and charged me, the other was that but without the PPI on it, as they have assumed to requested the information to claim it back..? Could they have done this on yours?xx

[surrey_36]

I have been making regular gesture/token payments of £15 p/m to Welcome for my secured loan with them

 

all of a sudden having not heard from them for quite a while I have received a letter from Atlas Collections

saying that I need to call them to discuss the existing arrangement

- word for word

"To ensure that any existing arrangements you may have had with the previous agency are properly recorded,

it is imnportant that you call Atlas to provide us with the details of these arranagements"

 

the last time I physically spoke to Welcome was the time that they told me to meet them at the cash point to draw all my money out

that I owed them and so that was (i think) the last time i spoke to them!

If i recall correctly I was advised on CAG to send a template which i said i was only willing to correspond in writing.

 

I really do not want to speak to anyone on the phone, If anyone could advise my best course of action that would be really great, cheers:madgrin:

[just_jue]

I would write them a nice letter back saying that you don not discuss financial matters over the telephone and require all correspondence to be in writing.

 

Are you getting a yearly statement of your account and was their any insurances or extras on the account that could be reclaimed?

 

JJ

[surrey_36]

I had a letter from Atlas AKA Welcome saying they need to talk to me about my account.

I wrote back and explained that I would only communicate in writing (see my previous thread - harassment).

I had not heard anything since my letter to them.

 

late yesterday afternoon my OAP neighbour comes over the road to tell me that Royal Mail had just CALLED her on her landline to say they had a delivery for ME.

But when they tried to deliver it I was out.

 

The well spoken gentleman on the phone asked my neighbour if she knew my mobile number and asked if i was at work.

She said no & no.

 

When she was telling me this I immediately smelt a rat.

I was not awaiting delivery of anything and Royal Mail leave while you were out cards.

 

I called my Ex partner and my mum really worried.

I did not understand what the caller was trying to achieve and was mainly worried for mine and the childrens safety in the house, was it someone trying to get my number so they could find out when i was out and then rob me.

My dad even came round this morning to fit another bolt/lock to the front door.

 

At 8AM this morning I received a private number incoming on my landline,

I picked up the call,

I was intrueged to who would be called me that early.

 

it was Atlas collections,

their main concern was obtaining my mobile number.

 

I explained that i had written to them explaining that i only wanted to deal in writing but they managed to pursuaede me into giving them my mobile.

then they wanted to go over my situtation and set payment dates etc.

 

Then at 10am this morning,

I had my post and what the postman delivered was a 'while you were out card'

I opened the door and said 'im in!'

- showed him the card which was very very similar to a royal mail card and he said it was not royal mail.

 

The card said to call a mobile number that was handwritten on the card or text my mobile number to it.

The 'whille you were out card' had my address hand written on it, and a reference number to quote and a first class stamp.

 

What delivery company POSTS a while you were out card?!

I called the number and questioned the man,

I told him i believed he was welcome finance,

i said to him your clearly not a courier comapny as couriers would leave a card not post it, anyway it was just all a load of absolute rubbish.

 

Clearly the call to my neighbour and the courier card were all an attempt to obtain my my mobile number.

This morning they called me at the normal household manic time of day and managed to get it anyway.

 

My poor OAP neightbour has cancer and recently nearly died, this call worried them so much so if you are reading this Welcome then well done!

 

Last night was terrible I was so frightened in my house with my 2 babies.

I thought someone might be watching us to burgle us.

My mum nearly stayed the night, but shes old too and I told her to go home.

 

Any advice caggers?

this is completely unacceptable,

especially when i have responded to their correspondance and have proof of postage.

 

I was in communication with them so why are they so deseprate to speak on the phone.

They even said this morning they 'prefer to discuss on phone than in writing'

 

I suppose problem being that I cannot prove that the call or card is them but its is so very obvious that it is!

 

ls excuse poor spelling not time to check over

Edited February 9, 2019 by dx100uk
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[renegadeimp]

You need to contact the OFT about this. What they are doing is against OFT guidance on debt collection and can result in them losing their licence.

 

Last night was terrible I was so frightened in my house with my 2 babies. I thought someone might be watching us to burgle us. My mum nearly stayed the night, but shes old too and I told her to go home.

 

What do you mean?

[surrey_36]

Thanks Renegadeimp I will do exactly that thank you.

 

Sorry if i was not clear,

 

what I meant was;

on the evening that my neighbour told me that 'royal mail' had been trying to get my mobile number,

I did not realise at that stage that it was Welcome Finance,

 

I/we was panicking about who and why would want my mobile number and almost called the police in case it was a possible burglar.

I was extremely nervous that evening (single mother at home with 2 children) as I felt as though someone might have been following/watching me/us.

 

I get on really well with my OAP neightbours and it concerned me that whoever called them knew that out of a lot of other neighbours in the street,

they knew to call them to ask questions about me.

 

turned out the next day that following the 'delivery card' and the 8AM call, I put 2 and 2 together and realised it was Welcome.

Panic over but still very annoyed at the concern and worry caused

[renegadeimp]

Then its time to get those complaints rolling to all the regulators and a very very strongly worded complaint to the muppets chasing you.

[BRIGADIER2JCS]

Have you had anything in writing yet?

 

 

You are not obliged to speak to any doorstep debt collector, should one confront you "invite them to leave" if they remain call the police and state you are alone with young children and you feel threatened.

[silverfox1961]

Hi

do you still have the 'while you were out' card? If so can you either post it up on thread (suitably redacted) or copy it to a member of the site team.

 

This sounds very much like they are using underhand methods to get you to contact them and is in clear breach of the OFT debt collection guidelines

(not making clear who or what they want)

[surrey_36]

thanks renegadeimp - when you say compain to all regulators , who else apart from the OFT?

 

thank you Brigadier - Yes they wrote and i replied in writing saying i only wished to communicate in writing, they claim they never received this letter although i have proof of postage.

[BRIGADIER2JCS]

Such a letter should be sent "signed for 2 post.

Don't use addresses with a PO Box number letters to those often go astray.

[surrey_36]

thank you silverfox yes I do have the while you were out card, who should I copy and send to?