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    • Aesmith - Thank you for your recent interest in my issues.  Input on people's topics can be most useful from specialised experts or those that have similar experiences.  Some people really struggle with knowing what to do (I certainly do) - so it is most useful and helpful and reassuring when solid sensible advice is offered.  I have found there to be some very kind, helpful, supportive and legally knowledgeable people here on cag over the years - who give sound legal advice for people to roll up their sleeves and follow up on.   Of course, sometimes it can be quite challenging sifting the wheat from the chaff.  I don't have lawyer or barrister.  I sometimes attend pro-bono legal clinics for help.  And sometimes have access to barristers via a pro-bono service called Advocate.  Both ad-hoc. Pro-bono means 'free'
    • The Judge was wrong. The keeper is only INVITED to say who was driving, there is no obligation for them to say.
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    • Ok you are in the clear. The PCN does not comply with the Protection of Freedoms Act 2012 Schedule 4 for two reasons. The first is that in Section 9 [2][e]  says the PCN must "state that the creditor does not know both the name of the driver and a current address for service for the driver and invite the keeper— (i)to pay the unpaid parking charges ". It does not say that even though it continues correctly with blurb about the driver. The other fault is that there is no parking period mentioned. Their ANPR cameras do show your arrival and departure times but as that at the very least includes driving from the entrance to the parking space then later leaving the parking space and driving to the exit. It also doesn't allow for finding a parking spot: manoeuvering into it avoiding parking on the lines: possibly having to stop to allow pedestrians/other cars to pass in front of you; returning the trolley after finishing shopping; loading children disabled people in and out of the car, etc etc.  All of that could easily add five, ten or even 15 minutes to your time which the ANPR cameras cannot take into account. So even if it was only two hours free time you could  still have been within the  time since there is a MINIMUM of 15 minutes Grace period when you leave the car park. However as they cannot even manage to get their PCN to comply with the Act you as keeper cannot be pursued. Only the driver is now liable and they do not know who was driving as you have not appealed and perhaps unwittingly given away who was driving. So you do not owe them a penny. No need to appeal. Let them waste their money pursuing you . 
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    • We have finally managed to obtain the transcript of this case.

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      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

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Welcome default disappears


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Hi I checked my credit file and the welcome finance default not showing any more and it is not also showing me anywhere in closed or settled accounts any idea what's going on or anyone else have same issue or may WFS gave up ???????

 

A default that was filed on my credit report last year (even though I defaulted nearly 6 years ago) from welcome finance has also just disappeared off my credit report. It was there last month. I can't find anything on Google as to why this might of happened. Maybe the defaults were unlawful as like I said I defaulted years ago and they only reported it last year they also said I borrowed £4800 when I only borrowed £2300.

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I logged on here to search this very subject!

 

I have ongoing disputes with Welcome regarding my partners account and received a long awaited letter from them just today.

 

One of the paragraphs reads

'I can confirm that Welcome Finance no longer reports the status of active accounts to the credit reference agencies; this will be of benefit to you as it will show no adverse history'

 

Very interesting. I was wondering if this applied to only him but it would appear to affect maybe everyone with an active account.

 

Why would they do this? It's normally extremely hardwork to get this kind of data changed as they're legally entitled to be able to report it and like that it's detrimental to your financial situation. Payback for them if you don't pay for whatever reasons. It's a secured loan with payments made only a few months ago so even stranger I think.

 

Really strange behaviour from Welcome but GREAT news for their long suffering customers. Check your credit files guys!!

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My current Welcome secured loan has disappeared of my credit report too. Having spoken to Welcome customer relations today it seems they had a belief that they had not been reporting information to credit reference agencies correctly, so made the responsible decision to stop reporting. I asked if it was likely to re-appear and was told it wasn't unless they sold the debt to someone else. As i'm not in arrears its unlikely to happen to me.

 

Interesting that Welcome and "responsible" are in the same sentence!

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My current Welcome secured loan has disappeared of my credit report too. Having spoken to Welcome customer relations today it seems they had a belief that they had not been reporting information to credit reference agencies correctly, so made the responsible decision to stop reporting. I asked if it was likely to re-appear and was told it wasn't unless they sold the debt to someone else. As i'm not in arrears its unlikely to happen to me.

 

Interesting that Welcome and "responsible" are in the same sentence!

 

Interesting!

 

My partner also spoke to Welcome today and the guy He spoke to seemed to be a bit cagier about the whole matter. He said it was a financial decision the company had come to and that they obviously wouldn't be making an announcement.

 

He did however confirm that it applied to all Welcome customers with an active account.

 

He had originally called to follow up some complaints I'd made months ago. The Welcome guy basically said that we were never going to get the answers to the questions I'm asking (agreement flaws, fee/ interest queries, default queries) and that We should just take it to the FOS and get the ball rolling.

 

I think there is a lot going on at Welcome at the moment.

 

The burden of their bad credit reporting seems to be done with for their current customers but don't forget this doesn't erase the debt. They can and will try to chase it.

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I have just had the same thing yesterday,

spent ages writing a defence (they want to take husband to court for a HP loan from 2006)

including screenshots of how they have reported on his credit file for years

that he is 6 payments missed instead of default,

 

 

the day after I took the screenshots it all dissapeared off the credit file!

 

 

Wondered if it was just his file because they knew we might bring it up in court

but it would seem that lots of people are having the same thing happen..interesting!

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  • 2 weeks later...

just seen this thread . I have 2 files from Welcome removed from my credit report this week. I wonder what is going on, but I am happy they are no longer there

 

Someone stated that the debt obviously hasnt gone and may re appear if the debt is sold. So that brings a question to mind ... If there was a default date on one of the files will that still stand if the debt is sold ? The other was never put to default, just missing payments ..

 

Just asking as the defaulted file was defaulted on 06/06/2008 so in effect would have disappeared next year anyway

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Very interesting my husband is being taken to court by the, for a loan we have paid ! It's lost us a mortgage and caused no end of problems

They should be totally shut down if we run accounts like they are we would be in serious trouble! I was looking why all the info had vanished

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Files on defaulted debts are removed on the 6th anniversary of the default date paid or not.

If the above does not apply is is likely that the debts have been sold.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

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  • 2 weeks later...

But even if the debts are sold on a default from a year ago would stay on my credit report regardless of whether it has been sold on or not. Has anyone checked their experian or Equifax credit files to see if it has gone from those too? I've only checked my noddle one and my £2 Equifax one. It did show on that but the date it was last updated was August.

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As has been explained previously Welcome accounts have been withdrawn from the CRAs and are being 'investigated'.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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Does anyone know why they are being investigated may help with creditibiluty issues for cases

 

It's a wait and see scenario all details are not known yet.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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I got a CCJ from Welcome in January 2013 5 months before it was due to be SB, I didnt even get papers let alone defend, does this mean i have a case. I had bailiffs come knocking in August so i filled a N245 and have had no calls/letters from CC since, could there be a reason why.

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I logged on here to search this very subject!

 

I have ongoing disputes with Welcome regarding my partners account and received a long awaited letter from them just today.

 

One of the paragraphs reads

'I can confirm that Welcome Finance no longer reports the status of active accounts to the credit reference agencies; this will be of benefit to you as it will show no adverse history'

 

Very interesting. I was wondering if this applied to only him but it would appear to affect maybe everyone with an active account.

 

Why would they do this? It's normally extremely hardwork to get this kind of data changed as they're legally entitled to be able to report it and like that it's detrimental to your financial situation. Payback for them if you don't pay for whatever reasons. It's a secured loan with payments made only a few months ago so even stranger I think.

 

Really strange behaviour from Welcome but GREAT news for their long suffering customers. Check your credit files guys!!

 

Would you mind posting the letter up removing any identifying information first please?

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