Yet another tale of Woe Re Welcome Finance

[BrokenBiscuits]

I bought a car through Welcome in mid 04,

paid until late 2005

when the car was stolen and burned out.

 

I instructed The insurance co to pay Welcome the claim monies direct and

whilst I had no gap insurance, as far as I was concerned, they were getting no more out of me.

 

Never heard a sausage from anyone until

 

I received a phone call today at work(!) from a company called "Sheldons" chasing this debt.

 

I refused to go through "security" on the phone with them but they told me what it was.

I told them never to call me again at work

but they said "this will not go away, you need to deal with it or the phone calls will continue".

 

I've had no contact whatsoever with Welcome or anyone regarding the original loan since late 2005,

the insurance co would have paid out early 2006.

 

What's the position?

 

BTW, there's nothing showing on my credit reference file regarding this.

[just_jue]

Hi,

 

You did the right thing not answering their security questions.

 

If you have not made any payments since 2006 it will be Statue Barred unless they managed to get a CCJ on the amount.

 

I would ignore until they put more details in writing.

 

JJ

[BrokenBiscuits]

I told them to write to me and they said they had on several occasions but I honestly haven't received anything.

 

I shall wait for correspondence and then come back for more advice. Thank you.

[BrokenBiscuits]

These people have rung me three times at work today, are they allowed to do this?

[BrokenBiscuits]

I've received yet more phone calls on my work number from this lot today. Once again I refused to go through security. Can anyone tell me how I can stop these calls to my work. I've still not received any correspondence from them.

[leigh04]

Cag library- telephone harrassment letter template

 

Reword it if necessary and send them it.

[BrokenBiscuits]

Received a letter today. It simply says:-

 

"PLEASE CALL US TO AVOID FURTHER ACTION

 

Further to our letter offering you to help clear this balance we have not received your offer of payment.

 

Without your cooperation, we cannot offer you any help to reduce this balance and may need to take further action to recover this amount.

 

We advise you to contact us immediately so we can come to an agreement."

 

 

As stated I haven't received any previous letters.

 

Can anyone tell me what I should do next please?

Edited February 6, 2014 by BrokenBiscuits
Typo

[just_jue]

You could start with the prove it letter.

 

If when they send some more details as long as you haven't paid anything in the last 6 years send them the Statue Barred letter.

 

JJ

[BrokenBiscuits]

What should I say in the "prove it" letter?

[just_jue]

http://www.consumeractiongroup.co.uk/forum/showthread.php?387363-You-know-nothing-of-the-Debt-Prove-It%281-Viewing%29-nbsp

 

Have a look at this one and edit to your needs:

 

JJ

[BrokenBiscuits]

What would/could happen if I just ignore them?

[dx100uk]

nothing you owe nowt!!

 

you need to report them to the OFT

 

calling a known works number is against every guideline in the book.

 

they can be fined for this

 

record the calls please

 

make a log

 

get a printout of the works record of calls

 

seek compensation.

 

 

 

dx

[dx100uk]

ah the web they weave

 

sheldons are cabot in sheeps clothing.

 

dx

[BrokenBiscuits]

nothing you owe nowt!!

 

you need to report them to the OFT

 

calling a known works number is against every guideline in the book.

 

they can be fined for this

 

record the calls please

 

make a log

 

get a printout of the works record of calls

 

seek compensation.

 

 

 

dx

 

I might as well just ignore them then.

 

I received another phone call earlier, the conversation went something like this:

 

Me : "Under no circumstances ring me on this number again. I do not know who you are and I will not go through security"

Him : "Ok, do you have another number I can ring you on?"

Me : "Give me your number and I'll call you. Your own personal home number I mean, not the office and when I get through I'll be asking you your date of birth and address"

Him : "Why would I give you my home number and those details?"

Me : "Ditto"

Him : "We will keep ringing you"

Me : "I will report you"

Him :"well thank you for your time today"

 

Most peculiar. I just don't understand why I've never heard anything until now. I was at my last address for four years and been here two so I haven't been hiding.

 

Another thing, the balance on this account is ridiculous, nearly £5k! Bearing in mind Welcome have had over £5k already with payments made and insurance monies.

[dx100uk]

tell them all the calls

and this one have been recorded

 

the calls have been recovered from the works switchboard

and all the times etc have also been logged

as the OFT have requested them.

 

tell them this is works number

and the oft have asked you to repeat to them that

they should be operating under oft guidelines

 

that when told or are knowingly phoning a works number

they should remove it from their database forthwith.

[BrokenBiscuits]

Just had a call at home from Sheldons (who's number I have now barred). Again refused to go through security.

 

Him "You need to go through security before I can speak to you about this personal financial matter."

Me "Not a chance"

Him "Have you received any letters from us"

Me "Thought you couldn't speak to me if I didn't go through security"

Him "You need to deal with this"

Me "Deal with what"

Him "We will keep calling you"

Me "Can you repeat that for the tape please as I'm recording all your calls"

 

Click, line was disconnected.

 

Does it really matter if I keep ignoring them or should I meet it head on and just deal with it?

[dx100uk]

let it run.

 

dx

[BrokenBiscuits]

Okay, suits me.

 

Thanks.

[pdb1980]

I agree with DX

just keep playing the game

 

a fun one of mine was to say can you hold the line fr a second got my ipod out

put on a song and left them hanging or just be really obscure hen they ask you questions it goes a little something like this.

 

them - can you answer some security questions

you - can you answer some security questions

them - can you confirm your name DOB and tel number

you - can you confirm your name DOB and tel number

Them - this wont go away

you - what wont go away

them - we will keep ringing you

you - congratulations you may be in line for a special prize, I just need your name address sort code and account details, could you just speak clearly for the tape as I have to record the conversation as proof.

 

End of the day its SB they can do nothing at all, don't let it stress you just have some fun with it

[BrokenBiscuits]

Thanks. I'm not stressed, I find it quite funny. They start off all polite and "How are you today" then you can hear them become more and more frustrated, makes me giggle somewhat.

[yorkshiremark]

It sounds like they are grasping at straws as previously it's statute barred, I would be looking at various options to have them done for harassment.

I am so glad Welcome hit the wall and I got my PPI off them serves them right, a bunch of thieves.

[BrokenBiscuits]

Letter today

 

 

"FINAL NOTICE

 

As you have not taken up our offer of help, and a

s a legal requirement, we must now inform you that we are instructing our pre-legal department to review your account for further action.

 

They may commence litigation against you which could increase the amount payable due to costs incurred in line with your agreement.

 

Should the mattter proceed and a court judgment obtained against you

they could take a charge against your property (if you are a homeowner)

or have the monies deducted directly from your salary (if you are employed).

 

It is not too late to resolve this matter, please contact us immediately to allow us to help you."

 

Any comments from anyone please?

[dx100uk]

legal requirement my foot!

 

dx

[BrokenBiscuits]

I like "It is not too late". Well, I got news for you Sheldons, it is for you!

[hillards]

'May' 'Should' 'Could'

We may send you a Christmas Card.

You should charge all your evenings out to our account.

You could ignore their crud

 

Standard DCA speak to say they are making empty threats that they have no intention of actually doing. (IMO)