welcome finance problems with account

[paulfatmess]

Hi new to forum i have seen you have helped many people with discrepanceys with welcome finance.

 

i have recently reveiwed my account what my wife dealt with

and noticed i am paying £100 pounds a month but only paying a few pounds off my account each month.

 

i have sent for a cca

 

what i receved but could not read most of what they had sent me as it is very blured and small

 

and i have no account details yet to tell me what i have payed into the account

 

i also have ppi on the account but they say i haven't

 

please help as at he moment i am never going to pay this debt off

[silverfox1961]

Hi and welcome to CAG

 

If what they have sent is not clear enough to read then they need to do it again. Until that time you could consider the account to be in dispute. They should have included a recent statement of account too.

 

I think you would need to send welcome a SAR to get everything. This will show what is what and where the money is going.

[paulfatmess]

thanks for the quick reply i requested a cca and they sent me a sar but no account details no ts and cs

[paulfatmess]

if the account is in despute then should i carry on paying

[lincscouple]

Hi there, I would think the advice will be to send them an 'account in dispute' letter from the templates library.

 

Also send a 'incomplete SAR' letter.

 

Someone will more then likely be here to help you soon enough, personally I wouldnt pay anything once it is in dispute, they also have to freeze interest I believe.

 

Sorry I couldn't be of more help.

 

Have a look at the various threads on here and you will soon pick up a lot of information.

 

Wishing you all the best with this!! My partner and her ex were paying 126 per month and the interest added was 110 so 15 quid was being paid off the loan! Barmy I know.

[dx100uk]

can you scan up your CCA return please

 

**you can post up images/letters by this method immediately..you don't need 10 posts**

.

set your default scan page size to A4 less than 300DPI [150 will do]

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

but leave all monetary figures and dates.

.

************************* ************************* *******

{DO NOT USE A BIRO OR PEN OR USE SEE THRU TAPE OR LABELS]

************************* ************************* ***********

.

DO IT IN MSPAINT.EXE or any photo editing program

goto one of the many free online pdf converter websites ...

http://freejpgtopdf.com/

..

if you have multiple scans/pics

put them in a word doc FIRST and convert that to PDF

or http://www.freepdfconvert.com/

or

use www.pdfmerge.com

 

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

..

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.

though dont use full bank names or CAG in the title

i'e Default notice DD-mm-yyyy TSB

.

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

...

YOU DONT have to put a link to the attachment in the msg box..just upload it ..job done

.

dx

[paulfatmess]

the cca i have at the moment is bearly readable i need them to send me a better copy along with the statement of account will post it as soon as i get it

[paulfatmess]

also there is no agreement number on the bearly readable cca and they have charged me an acceptance fee