welcome finance, 6yrs of late markers

[thistle73]

hi, im new so please be gentle with me:wink:

 

been looking through my credit file and have notice welcome finance have put more than a dozen late markers of 6 ,s on my file

,actually over 5 years worth and has never been defaulted

 

i had car with them over 7 years ago and had paid more than half and volunteered to hand car back

and that would be it as i had paid more than half

 

seems for over 5 years its geting late markers on my credit file and

 

i heard from a friend that ICO says after 6 late markers it should be defaulted ,is this right ?

 

ive heard nothing for over 6 years from WF and have paid nothing in that time

 

ive also sent CCA over two months ago but no reply

 

can anyone give me advice how get markers off my file

 

also im from scotland and aware could be status barred after 5 years ?

[thistle73]

anyone got any advice pls

[dx100uk]

if you've paid nothing for 5yrs the debt is def extinguished in scotland

 

as for the markers

 

that is unfair, but i'm unsure now

with the new ICO rules

 

if you can do anything about it.

 

I think 1st move would be am sar to welcome

 

if you def VT'd not VS'd then you owe nowt

and the late payment markers are thus 'wrong'

 

dx

[BRIGADIER2JCS]

It is entirely the creditors decision when to place a default if at all.

The ICOs view seems to be that showing the true conduct of an account is the correct procedure.

 

 

Has any company contacted you about this, does the CRA entry show a balance?

 

 

The debt would appear to be statute barred and therefore extinguished, my advice would be to as dx says SAR to Welcome, but also a formal complaint to the Data Controller separately, stating that the debt no longer exists and you require Welcome to remove the entry immediately.

 

 

You can report this to the ICO personally I would do so.

[thistle73]

hi the car was defo VT,D

 

and said i had more than half

 

that was it

 

turns out when they sold car at aution they didnt get what they thought for it

about £1200 was put on my credit file as late markers

 

they havent been in touch

 

can someone help me draft a letter to ICO

 

i have read a old thread on here from 2012

 

the same thing happen to the lady ,

 

she ref a letter to ICO and her credit file was wipe to green after it so she got a great result

[dx100uk]

it matters not what they got for the car

you'd already paid the 50%

 

sar welcome

 

dx

[BRIGADIER2JCS]

hi the car was defo VT,D

 

and said i had more than half

 

that was it

 

turns out when they sold car at aution they didnt get what they thought for it

about £1200 was put on my credit file as late markers

 

they havent been in touch

 

can someone help me draft a letter to ICO

 

i have read a old thread on here from 2012

 

the same thing happen to the lady ,

 

she ref a letter to ICO and her credit file was wipe to green after it so she got a great result

 

 

 

A letter to the ICO should be as simple as possible.

 

 

 

 

Sir/Madam

 

 

Complaint:

 

 

Welcome Finance Ltd/ Credit File Entries:

 

 

On xx.xx.xxxx I voluntarily terminated an agreement No........ ....... with Welcome Finance the vehicle which was the subject of the hire purchase agreement was not collected

until xx.xx.xxxx .

 

 

I had paid more than 50% of the total sum at this point and therefore owed nothing more, however Welcome Finance has placed an entry on my credit file held by xxxxxxx credit reference agency for an outstanding sum of £1200.00 and have marked the entry as xxx payments in arrears .

 

 

I believe that this alleged debt is statute barred and totally extinguished there for it is unfair and unreasonable to continue reporting this account to credit reference agencies.

 

 

Please find herewith copies of a relevant documents and a screen print of my CRA File.

 

 

Add/amend as you see fit.

[thistle73]

thank you for both of ur advice will get this done tonight

will keep u updated:-D

[thistle73]

SAR sent to wf ,how many days must i give them before i complain to ICO?

[BRIGADIER2JCS]

SAR sent to wf ,how many days must i give them before i complain to ICO?

40 calendar days from the date Welcome receive it.

There is only reason to complain if they do not comply at all or items requested are not supplied with the data.

You will be unlikely to get a copy of any agreement will definitely not a deed of assignment.

[thistle73]

40 calendar days from the date Welcome receive it.

There is only reason to complain if they do not comply at all or items requested are not supplied with the data.

You will be unlikely to get a copy of any agreement will definitely not a deed of assignment.

 

thank you

is there a reason why they wouldnt send me a copy of agreement?

i think i might have copy in loft

[thistle73]

40 calendar days from the date Welcome receive it.

There is only reason to complain if they do not comply at all or items requested are not supplied with the data.

You will be unlikely to get a copy of any agreement will definitely not a deed of assignment.

 

thank you

is there a reason why they wouldnt send me a copy of agreement?

i think i might have copy in loft

[dx100uk]

typically with welcome, you will get copies of the CCA with SAR requests

esp as your agreement is prob now closed.

 

however, normally there is no legal necessity under an sar to send one.

 

if you have it

 

then, it might well help when we have all the SAR back.

 

was this your only dealings with welcome

 

dx

[thistle73]

typically with welcome, you will get copies of the CCA with SAR requests

esp as your agreement is prob now closed.

 

however, normally there is no legal necessity under an sar to send one.

 

if you have it

 

then, it might well help when we have all the SAR back.

 

was this your only dealings with welcome

 

dx

 

found it

was in loft ,do i need do anything with it ?

[dx100uk]

lets see it and anything else you've found

 

welcome paperwork can be VERY revealing.

 

just have a look at a few threads here

 

they ALWAYS screw up.

 

dx

[dx100uk]

**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/

http://www.convert-jpg-to-pdf.net/

..

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

or use Primo PDF.

.

try and logically name your file so people know what it is.

though DONT USE BANK NAMES or CAG in the title

i'e Default notice DD-mm-yyyy

.

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

you can click on your links to check them too!

.

dx

[BRIGADIER2JCS]

thank you

is there a reason why they wouldnt send me a copy of agreement?

i think i might have copy in loft

 

 

 

There is no obligation for a creditor to supply a CCA with a SAR, this is covered by a sect.77-79 request under CCA '74 as amended

[thistle73]

well its been over 5 weeks now and havent heard anything back from welcome ,not that im suprised thou ,any idea whats next step

thanks

[dx100uk]

send them a chase up letter for the sar.

 

dx

[thistle73]

hi there thought give update

now this is strange all welcome debts have disapeard from my credit file how strange is this ?

just disapeard ,not that im compaining

only one thing is on my file is my next acc which is in good nick and werid my bank current account has disapeard too ,not sure why ,as im not happy about that

[BRIGADIER2JCS]

hi there thought give update

now this is strange all welcome debts have disapeard from my credit file how strange is this ?

just disapeard ,not that im compaining

only one thing is on my file is my next acc which is in good nick and werid my bank current account has disapeard too ,not sure why ,as im not happy about that

 

 

There is/has been an ongoing investigation into the functioning of the Welcome administration many CRA entries have been removed.

 

 

Odd that your current account has gone though, check with your bank and report this to the credit reference agency (s).

[thistle73]

great news about welcome ,wouldve preferd a settled account than it disapearing ,but cant be fuss:lol:

just spoke to credit file team about bank details its cos i updated my address and be bk to normal tomoro

so looks like dont need do nothing about welcome now eh

[BRIGADIER2JCS]

great news about welcome ,wouldve preferd a settled account than it disapearing ,but cant be fuss:lol:

just spoke to credit file team about bank details its cos i updated my address and be bk to normal tomoro

so looks like dont need do nothing about welcome now eh

No just forget them.