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Baz1994

Welcome secured loan PPI reclaim dial4alone/progressive finance/NU/aviva

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please don't hit Quote...just type we know what we said earlier..

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, the whole DCA industry would collapse overnight.

 

 

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Cheers dx - I was just reading an old post on HFC and saw your name on a couple of posts lol !

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.

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please don't hit Quote...just type we know what we said earlier..

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, the whole DCA industry would collapse overnight.

 

 

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Yeah I just noticed lol - And just had a quick look through the stickie.

 

Sorry to be a pain but could not find an address for HFC,

would you have any ideas where to send anything now ? :wink:

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please don't hit Quote...just type we know what we said earlier..

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, the whole DCA industry would collapse overnight.

 

 

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dx you are a star very much appreciated.

 

Also if you can come up with anything else re Welcome / Dial4ALoan response to FOS adjudicator plse let me know.

 

Cheers & atb

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goto this site

 

search dial

then

welcome

then cattles

 

look for the group owner and the same names occurring

 

http://www.dellam.com/cgi-bin/main.pl

 

dx


please don't hit Quote...just type we know what we said earlier..

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, the whole DCA industry would collapse overnight.

 

 

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Hi dx,

 

A belated cheers have been away. SAR sent off before I went.

 

Regarding Welcome / Dial4Aloan, still unsure how I can establish a relationship or linkage between all parties including Underwriters Aviva ?

 

Should I be contacting Aviva asking for any documentation that confirms that a commission or fee was payable to Broker / Lender

in respect of introduced business ?

 

I do have internal commission payment sheet details between Dial4ALoan and Welcome but it seems that FOS are ignoring this.

 

Also the PPI was added on the Welcome agreement but no details on any Dial4ALoan documentation ?

 

Any assistance or help from any expertise on this site would be much appreciated,

as I need to at least respond to FOS adjudicators letter before the 15th September.

 

Thanks

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So does this confirm that Welcome and Dial4ALoan were working alongside ?

Should I be sending something to Cattles ?

 

On another note and another correspondence from the lender

they quote the following regarding a query re a failed application sheet from A & T Finance

being passed on to Welcome that was submitted from a SAR ?

 

"We no longer have an Underwriting department (pressume means no-one selling loans)

due to restructure of our business and therefore any information regarding your application is difficult to obtain.

 

 

We can assume that intitially you contacted A & T for a loan as they have recorded your details.

In turn they have referred you to Dial4ALoan, who worked closely with us :???:

 

 

Dial4ALoan submitted your details to us using the application provided by A & T Finance.

We also have no records that any commission was paid to a broker on this occasion. "

 

Well I am somewhat amazed that the A & T application was submitted with the Welcome SAR and not Dial4ALoans

and I have a Welcome Finance Commission sheet showing the exact same commission / brokerage amounts as that on a Dial4ALoan stat sheet ?

 

Also details from companies house regarding company nos:133540 and 03958533 are one of the same address ?

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keep going.

 

what have you found on those numbers

 

you'll have readers now and in months to come

 

post up what you are finding

 

it might be useful

 

dx


please don't hit Quote...just type we know what we said earlier..

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, the whole DCA industry would collapse overnight.

 

 

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Cheers dx

 

I will do whatever it takes with any expertise help.

 

details per numbers below

 

Name & Registered Office:

WELCOME FINANCIAL SERVICES LIMITED

WELCOME FINANCE MERE WAY, RUDDINGTON FIELDS BUSINESS PARK

RUDDINGTON

NOTTINGHAM

NG11 6NZ

Company No. 00133540

 

Status: Active

Date of Incorporation: 23/01/1914

 

Country of Origin: United Kingdom

Company Type: Private Limited Company

Nature of Business (SIC):

64921 - Credit granting by non-deposit taking finance houses and other specialist consumer credit grantors

Accounting Reference Date: 31/12

Last Accounts Made Up To: 31/12/2013 (FULL)

Next Accounts Due: 30/09/2015

Last Return Made Up To: 24/05/2014

Next Return Due: 21/06/2015

Mortgage: Number of charges: 15 ( 13 outstanding / 2 satisfied / 0 part satisfied )

Last Members List: 24/05/2014

Previous Names:

Date of change Previous Name

01/12/2006 PROGRESSIVE FINANCIAL SERVICES LIMITED

23/12/2002 TELEPLAN RENTALS LIMITED

27/10/1987 REFUGE SUPPLY COMPANY LIMITED

 

Name & Registered Office:

DIAL4ALOAN LIMITED

c/o WELCOME FINANCIAL SERVICES LIMITED

WELCOME FINANCE MERE WAY, RUDDINGTON FIELDS BUSINESS PARK

RUDDINGTON

NOTTINGHAM

NG11 6NZ

Company No. 03958533

 

Status: Active

Date of Incorporation: 28/03/2000

 

Country of Origin: United Kingdom

Company Type: Private Limited Company

Nature of Business (SIC):

64999 - Financial intermediation not elsewhere classified

Accounting Reference Date: 31/12

Last Accounts Made Up To: 31/12/2012 (FULL)

Next Accounts Due: 30/09/2014

Last Return Made Up To: 28/03/2014

Next Return Due: 25/04/2015

Mortgage: Number of charges: 1 ( 0 outstanding / 1 satisfied / 0 part satisfied )

Last Members List: 28/03/2014

Previous Names:

No previous name information has been recorded over the last 20 years.

 

Also would Dial4ALoan be classed as a credit broker / mortgage packager does anyone know ?

 

Cheers

 

Bazza

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goto

http://www.dellam.com/cgi-bin/main.pl

 

type in

 

welcome finance

 

dial4aloan

 

int reading


please don't hit Quote...just type we know what we said earlier..

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, the whole DCA industry would collapse overnight.

 

 

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Can any expertise person have a look at the attached page of D4AL letter and confirm that comments are correct regarding DPA ?

 

Cheers

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you could try and enforce it

but its sort of correct.

 

as for the transcripts of phonecalls

 

this is amazing that they have them from 2003

 

don't know how many times we've been told they don't ever exist.

 

dx


please don't hit Quote...just type we know what we said earlier..

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, the whole DCA industry would collapse overnight.

 

 

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Cheers dx.

 

So how can I enforce it without going to court ?

Is there a standard template letter requesting information apart from SAR letter ?

 

I know its very frustrating considering I have requested transcript details on numerous occasions and yet I was told that they had been destroyed or no details available ?

 

Since the FOS involvement, suddenly I am now being told that they have details and now being used in evidence against my complaint.

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have a quick chat with the FOS

this is very unfair

 

 

the ICO might want to hear of it too.

 

 

but . directly' did you sar Dial I forget?

dx


please don't hit Quote...just type we know what we said earlier..

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, the whole DCA industry would collapse overnight.

 

 

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Cheers again dx.

 

It was the FOS adjudicator who advised me about the phone call details,

considering that I had sent SAR'S to the broker and Welcome yet no details were provided until their involvement.

 

I was continuously told that there was no details and that they had sent all that they had.

 

When FOS contacted me about the evidence now provided and that they were basing their rejection decisions on a said phone call with the broker,

I asked why details were never previously submitted.

 

FOS eventually forwarded their transcript of the conversation in question,

where there was no mention of the insurance figure of sale / coverage apart from one line 'with protection'.

Also the figure quoted for the loan was different and was some two months prior to the actual loan that we settled on.

 

I questioned why they were with-holding information and told them that I will be also asking for compensation for failure

to fully comply and the time and effort etc for the inconvenience caused.

 

Should I now submit a separate formal complaint to FOS/FCA and the ICO ?

Or should I await the ombudsman's decision first ?

 

I also put my thoughts in writing re the above and I sent copies to the adjudicator, ombudsman, broker and lender.

 

I fully believe that it was not investigated properly by the adjudicator, as dates mentioned were conflicting and totally wrong.

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await then attack if needed

 

 

dx


please don't hit Quote...just type we know what we said earlier..

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, the whole DCA industry would collapse overnight.

 

 

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Cheers dx so await the ombudsman's final decision then take it from there ?

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Just a couple of quick questions for any experts or those with anything similar - I am receiving correspondences from Dial4ALoan Limited c/o Welcome Finance regarding an ongoing complaint.

 

What is the relationship between the two ?

 

I was recently corresponding direct with Welcome complaints department but now receiving letters from Dial4ALoan Ltd ?

 

Thank-you for looking

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Hi sorry you were missed.

 

While I cannot find any direct link to WF, they do share the same address so it may be that they are part of the same company.

 

On the paperwork you received from Dial4aloan, does it give a FCA registration number?

 

I have checked the WF listing and there is nothing about dial4aloan.


If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

Please help CAG. Order this ebook. Now available on Amazon. Please click HERE

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ROBERT DAVID EAST

 

This guy is a director of both companies. Both are inactive companies so all they are doing is collecting debts.


If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

Please help CAG. Order this ebook. Now available on Amazon. Please click HERE

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ROBERT DAVID EAST

 

This guy is a director of both companies. Both are inactive companies so all they are doing is collecting debts.

 

Thanks and no worries silverfox.

 

Well letter is headed dial4aloan, address stated is Dial4aloan Limited c/o Welcome Financial Services Limited :???:

 

Registered No:03958533

 

I am sure that they are all owned by the Cattles Group plc but when check the above they are still active ?

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Well I was going to start a new thread but as it is in relation to my SAR / Account complaint, I will continue this thread.

 

Today I received the attached response from yet another FOS adjudicator :???:

 

My original complaint was for witholding information in which was eventually received after numerous requests.

 

Lack of statements, NSOA letters and when statements sent incorrect amounts showing due to IT hitch in Welcomes systems. Therefore figures including added interest incorrect.

 

I know that I was not part of the scheme as my loan was pre 2005 (Nov 2003) but was GISC regulated as had this confirmed by FOS / Welcome, so I find the latest comments irrelevant and feel that my complaint has not been investigated properly.

 

It has taken FOS nearly three years to come to this decision and they have stated that I have until 26 March 2016 to respond regarding referral to the Ombudsman.

 

If I am missing something or mis-understanding comments please can someone kindly advise.

 

Just really want to know if I have misunderstood anything regarding our November 2003 loan in which was regulated by GISC.

 

I know that WFS are not lending but did they not set aside a trust fund for policies / complaints pre 2005 ?

 

Thanks for looking

img529.pdf

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My original ppi complaint is still awaiting an allocated Ombudsman to review (over 3 years now).

 

I had originally sent a rather large complaints file to FOS highlighting evidence of commissions paid between Broker and Lender etc.

 

Received letter from FOS in August 2017 advising that complaint still awaiting review by Ombudsman and also the mention of the Plevin v Paragon court ruling.

 

Yesterday I received a letter from Welcome Finance Customer Relations stating even though they rejected my original complaint, I would be able to submit a further complaint in relation to its failure to disclose commissions associated with PPI sold to me.

 

What concerns me is that my original complaint included unfair relationship reasons regarding broker / lender and provided evidence obtained via SAR in which was rejected.

 

Do I submit a further complaint to Welcome?

 

Or do I forward letter to FOS as part of my original PPI complaint waiitng an Ombudsman's review?

 

Thanks for looking.

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