DLC after old WElcome Finance DEbt **FOS COMPO + DEBT CLOSED**

[MONTY]

nothing wrong with the ag imo, the dn is another matter

 

What is 'AG'?

[theoldrouge]

What is 'AG'?

agreement

 

that sar narrative from dlc in those two comments from 14/8 and 30/9/2014

 

tell you everything you need to know really

[MONTY]

Monty

 

This is important info if you post up PDF's please use "mspaint" to remove your personal information and NOT INK as the data is visible through the ink.

 

You should remove the PDF's and redact them correctly

 

Removed but I do not have a pdf converter. I will try and rescan as a picture (preferred format?)

[mikeymack2002]

The cheats way around it is to copy the redacted image to word and then save as a PDF then post it or follow this guide

 

 

HOW TO upload DOCUMENTS / IMAGES ON CAG IMMEDIATELY YOU DO NOT NEED 10 POSTS

 

IMPORTANT To protect your IDENTITY and ensure you remain ANONYMOUS on CAG you must ensure that you REMOVE all Personal Information including Barcodes, Names, Addresses etc

 

ENSURE: To leave all Monetary Figures and Dates.

 

DO NOT USE A BIRO, PEN, SEE THRU TAPE OR LABELS TO EDIT THE INFORMATION

 

1. SCAN YOUR DOCUMENT

 

- Set your default scan page size to A4 less than 300 DPI (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!!

 

- If you have multiple scans/pictures please put these into a WORD DOC first ensuring you have removed all Personal Information before converting to PDF.

 

- IPHONE ONLY: Take a picture and Convert to PDF via an APP

 

2. HOW TO EDIT (Remove Personal Information)

 

- Do this using MSPAINT.EXE or any Photo Editing program and ensure to save the document.

 

3. HOW TO CONVERT YOUR DOCUMENT TO PDF

 

- If you have OFFICE installed this has an installable PRINT to PDF option so use this and save as PDF.

- If you have PDF as an installed driver use this program and save as PDF.

 

OR Go to one of the many free online pdf converter websites:

 

- http://freejpgtopdf.com/

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

- http://www.freepdfconvert.com/

- http://www.pdfmerge.com/

- http://www.primopdf.com/

 

PLEASE REMEMBER: It would be better to upload a Multi-page PDF rather than multiple Single PDFs.

 

4. BEFORE UPLOADING YOUR DOCUMENT ON CAG

 

- Logically Name your PDF File so Users know what it is. DO NOT NAME YOUR FILE USING BANK NAMES OR CAG IN THE TITLE

 

- For Example: Default Notice DD -MM-YYYY.

 

IMPORTANT To protect your IDENTITY and ensure you remain ANONYMOUS on CAG please ensure that you do a final check that all Personal Information including Barcodes, Names, Addresses etc. are REMOVED before carrying out the NEXT STEP

 

5. HOW TO UPLOAD YOUR DOCUMENT ON CAG

 

- In your Thread/Post open a new msg box here.

- Click 'Go Advanced' below the msg box.

- Click 'Manage Attachments' below that box.

- Click the 'Add Files' button on the top right.

- Click 'Select Files', navigate to your file(s) on your PC.

- Click 'Upload Files'.

 

- You DON’T 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!!

MM

[mikeymack2002]

TBH Monty

 

 

Until all current disputes are dealt with I would just let this ride for while, The D/F could be the key, also have you got your £50-00 cheque yet? if so dig it out,

 

 

if this on your bank statement and keep it nearby and add to your file, this will/can be used in your defence at some time.

[MONTY]

TBH Monty

 

 

Until all current disputes are dealt with I would just let this ride for while, The D/F could be the key, also have you got your £50-00 cheque yet? if so dig it out,

 

 

if this on your bank statement and keep it nearby and add to your file, this will/can be used in your defence at some time.

 

Yes £50 is a matter of record as is their repeat of this action where they place a/c on hold and then pursued my wife saying that as it is joint account they had a right to go after her because of different a/c numbers for same a/c

[mikeymack2002]

Looks like DLC are playing silly buggers lol.

 

 

It would be prudent to maybe duplicate all letters from now on and this way it will have the desired effect of dealing with DLC splitting the account.

 

 

In effect his n hers letters, if they think this is acceptable for them then maybe it is time to shut the door on the "separate account"

 

 

Letter tennis actually solves very little, but sometimes it works. You should now use the same methods as DLC and take up to 56 days to respond to their threats/letters. I do this all the time.

 

 

As you are keeping excellent records this will be of use later on, a side note do you record your calls? if you make them, also may it is time to KEEP EVERYTHING IN WRITING NOW. Letters take time both ways, if one account goes into dispute then wait a while to see if they pursue the other.

 

 

Now going back to your last statement

 

 

"as is their repeat of this action where they place a/c on hold and then pursued my wife saying that as it is joint A/V they had a right to go after her because of different a/c numbers for same a/c"

 

 

Do you have this letter yet? or do you already have it? re: above?

 

 

If they (DLC) state their are 2 accounts have you followed this avenue through yet in regards to the second account?

[MONTY]

Thanks Mike. Please see my chronology entries which should answer your questions

[mikeymack2002]

theoldrouge

 

 

There was an issue regarding the attachments from earlier posts the OP is going to repost after redaction of pers...

[mikeymack2002]

Monty can you definitely confirm this is SB this year?

 

 

If so you don't have much time to wait, further to my last post you have stated that DLC assume 2 account numbers and that if one is in dispute then they go for your partner,

 

 

Now going back to your last statement

 

"as is their repeat of this action where they place a/c on hold and then pursued my wife saying that as it is joint A/V they had a right to go after her because of different a/c numbers for same a/c"

 

 

I would think that if they are treating this as 2 accounts then its fair game to use this info? have you sent in a CCA for that one as well, this is a daft reply on the outset, BUT if DLC have stated this fact and you have it in writing, then use it to your advantage and start from scratch with the second account number, they have opened this door with their argument why not take advantage of it?

 

 

With this in mind did you receive 2 of everything if not why not? this is yet another discrepancy that needs looking in to on a very slow train.....

[mikeymack2002]

Monty a question if you can answer please....

 

 

The DN whose name was on it?

[mikeymack2002]

Under clause 2 of your agreement in the T&C's "Acceptance Fee" did you ever receive a review of your financial standing? Have you ever asked if this was carried out? if it was carried out have you got the letter confirming this? If this was not carried out then WF failed to honour their own T&C's which may have been a breach of contract.

 

 

Following on from this did you receive your annual statements if not this may apply (maybe out of date now)

 

 

"Continuing obligations of the creditor

A creditor, in a regulated fixed sum credit agreement, is legally obliged to give you a statement of account within a year, the year beginning with the day after the day on which the agreement is made. You may also be entitled, if applicable, to receive further statements at intervals of not more than one year. If a creditor does not comply with this requirement, he cannot enforce the agreement during non-compliance, and you would not be obliged to pay interest during this time." I may be wrong on this

[MONTY]

Under clause 2 of your agreement in the T&C's "Acceptance Fee" did you ever receive a review of your financial standing? Have you ever asked if this was carried out? if it was carried out have you got the letter confirming this? If this was not carried out then WF failed to honour their own T&C's which may have been a breach of contract.

 

 

Following on from this did you receive your annual statements if not this may apply (maybe out of date now)

 

 

"Continuing obligations of the creditor

A creditor, in a regulated fixed sum credit agreement, is legally obliged to give you a statement of account within a year, the year beginning with the day after the day on which the agreement is made. You may also be entitled, if applicable, to receive further statements at intervals of not more than one year. If a creditor does not comply with this requirement, he cannot enforce the agreement during non-compliance, and you would not be obliged to pay interest during this time." I may be wrong on this

 

DN does have names on. No statements since 2012. Depends how you define 'review of financial standing'. There is no specific document that states this

[MONTY]

Continuing review of WFS SAR return includes copies of letters I sent 01.08.2009 & 18.09.2009

requesting the a/c was placed in abeyance and that no further interest or charges were applied because of financial difficulties.

 

 

these letters were ignored and they continued to load penalty charges, interest etc.

 

 

I thought they were not allowed to do this.

 

 

Also confirms receipt of CCA requests which they did not respond to.

[mikeymack2002]

Hi Monty.

 

 

If you have not had the statements for a few years then as stated above they could be subject to a complaint in regards to this. It is a requirement to provide I believe.

 

 

With yet another complaint to use I would consider asking WF about this, twice but one at a time as there are 2 account numbers. So if you can see where I am going with this then it will bring the SB date closer. If then WF explain this you start your second complaint with DLC. Since there are now possibly 4 new complaints that require investigation you are looking at a maximum of 56x4 days if you run the complaints connectively. Just thinking ahead that's all...

 

 

If welcome did not review your financial ability then you can make a request for this information in the normal manner again this is twice...

[mikeymack2002]

Again Monty this brings you back to the T&C's listed above, WF failed to review your account as per..... What are your thoughts on this line?

[MONTY]

Hi Monty.

 

 

If you have not had the statements for a few years then as stated above they could be subject to a complaint in regards to this. It is a requirement to provide I believe.

 

 

With yet another complaint to use I would consider asking WF about this, twice but one at a time as there are 2 account numbers. So if you can see where I am going with this then it will bring the SB date closer. If then WF explain this you start your second complaint with DLC. Since there are now possibly 4 new complaints that require investigation you are looking at a maximum of 56x4 days if you run the complaints connectively. Just thinking ahead that's all...

 

 

If welcome did not review your financial ability then you can make a request for this information in the normal manner again this is twice...

 

Definitely worth it . WFS only used 1 x account number. It was DLC who used two. Can I complain to WFS about things they did not do so long ago? Like not stopping charges, interest etc, ignoring requests to place account on hold and so on?

[mikeymack2002]

A serious concern here is the first thing to consider and that is what authority have DLC got to split the account in to two agreements?

 

 

If DLC have done this I would be demanding an explanation before going further. They have it appears created a new agreement that has not been formally detailed?!

 

 

Deal with this issue before proceeding further. Let DLC provide this information as this is not (possibly) what you signed for in the first place, then make sure from the response from DLC that you then check it with WF. Seems like a plan to me?

 

 

This starts by the complaint to DLC then on to WF once the response is back from DLC

[MONTY]

See Post #49 - I complained to DLC that they had told ME the account was on hold and then immediately pursued WIFE.

 

CONC 7.5.3 A firm must not ignore or disregard a customer's claim that a debt has been settled or is disputed and must not continue to make demands for payment without providing clear justification and/or evidence as to why the customer's claim is not valid.

 

DLC's argument:

 

'With regards to any disputes on the account, we hold separate records for you and Mrs … it may have been the case, as in your most letter, as you state the account reference ............ only; we took this as the account was being disputed by yourself only. Your recent letter contains both names and as a result we have noted our records confirming that both parties are disputing the account'.

 

This now goes to FOS with Mike's point that DLC separated in to two different accounts with no agreement to do so.

[MONTY]

Just thought I would drop a line to say that I have heard nothing further from the FOS since they acknowledged receipt of my complaints

[MONTY]

FOS called to introduce the adjudicator last Friday. I have to call her back this week to talk through my complaints

[MONTY]

I have now spoken with the adjudicator. FOS are sympathetic and have advised I should write a letter of complaint to WFS. This will be sent over the next few days.

[MONTY]

Letter received today from WFS following my letter of complaint 18.06.2015.

 

 

They have said they will respond within eight weeks of this date which gives final date for response 06.08.2015

 

 

If you follow this threads previous post you will see that the six year date is 31.07.2015

being the point I believe it becomes Statute Barred.

 

Is there any advice on what I should do when SB is reached?

 

 

Do I have to write to anyone and if so id there a template?

[dx100uk]

nope you don't write to anyone

 

 

if they were stupid enough to issue a claim

that will kill it dead

 

 

dx

[MONTY]

Thanks DX