Welcome Finance/Lewis Debt Recovery/

[Francise]

Have a bit of a problem with the duo above.

 

I had a welcome loan which I defaulted on and was initially passed to Lewis Debt Recovery.

 

I agreed a payment plan with Lewis and set up a standing order which has been going out since 2009,

 

the last payment was made in December.

 

Haven't heard a peep of Lewis since so as far as I was concerned everything was fine.

 

I received a letter from Welcome Finance today notifying me that I have been served under section 87 with a default notice

and that they may exercise their rights to enforce collection unless I clear the arrears before 24th January.

 

Can they issue two default notices on the same account as I already have one from 2009

and I have not missed a payment since agreeing a payment plan which I would like to continue.

 

Can someone please advise me the best way to approach this situation with Welcome

 

I would like some advice prior to speaking to them on the phone on Monday.

[silverfox1961]

Hi and welcome to CAG.

No they cannot serve a second default notice. One debt, one default.

 

If you are planning to phone them, record the call in any way you can. They do not need to know that you are recording. If you cannot record, I recommend writing as what they may say on the phone, they would never dare put in writing.

 

Do you know if any charges were added to this account and did you have PPI? On some welcome loans it was stipulated that the debtor had to have PPI to be guaranteed the loan.

 

If you don't know, send Welcome a Subject Access Request to get all your statements and account info for the account.

[dx100uk]

moved to the welcome finance forum

have a GOOD read of several threads here.

 

was this the ONLY welcome loan?

when did you take it out?

what was it for?

 

tell us the full story please

 

FYI: lewis ARE welcome finance, so something smells here

 

but have recently sold most of their active accounts to IND.

[Francise]

I took the loan out in 2006 for a car. This was the only loan I took out with Welcome. I don't know if PPI is on this account or if any charges are applied I think it may well be worth requesting an SAR. So will give that a try and see what happens.

[dx100uk]

I think you'll find they owe you now...

 

I think I've only ever seen one car finance agreement

whereby there was no PPI or GAP or mech breakdown cover at all.

 

if you've been on the plan for all this time

I bet the lead up to it had welcome

on the phone and writing to you nearly every day.

 

ALL of these would have cost you +£10 each time in a penalty fee they charge

 

you can reclaim THEM ALL at their int rate.

 

dx

[just_jue]

Don't forget they also use to add the unless GARDX insurance as well that can be reclaimed.

 

JJ