Jump to content

 

BankFodder BankFodder


MONTY

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

style="text-align:center;"> Please note that this topic has not had any new posts for the last 1699 days.

If you are trying to post a different story then you should start your own new thread. Posting on this thread is likely to mean that you won't get the help and advice that you need.

If you are trying to post information which is relevant to the story in this thread then please flag it up to the site team and they will allow you to post.

Thank you

Recommended Posts

Also if they put this quote in writing you need to keep it very safe

 

 

"DCAlink3.gif'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'.

 

Because this is a joint credit agreement then you/both can make the complaints but the DCA Must deal with you as a "Joint"

so demand they address this issue as well, but at a later stage, in as much as let them complete

1 complaint at a time then move on to the next till they get it right keep all letters from the DCA

as like this one they will be very handy and needed for for future reference please try to use the following

 

 

I/we when dealing with this joint debt then put both of your names at the end of the letter from now on ok


If I have been of any help, please click on my star and leave a note to let me know, thank you.

Share this post


Link to post
Share on other sites

Yes. Since this issue arose we have put both our names to each and every letter. All letters are kept.

Share this post


Link to post
Share on other sites

Glad to have been of service to you Monty please keep us up to date as and when you can

 

 

Thx Mike


If I have been of any help, please click on my star and leave a note to let me know, thank you.

Share this post


Link to post
Share on other sites

Letter of complaint and SAR delivered 05.12.2014

Share this post


Link to post
Share on other sites

I have found the T&C amongst the SAR return from the current DCA. Because the copy of the CCA was so poor I have written this out.

 

Any advice greatly appreciated

Share this post


Link to post
Share on other sites

Hi Monty just a quickie was the life care compulsory at time of signing as welcome tended to do this even if you did not want it? this was loaded very high

 

 

Page 2 first 2 boxes how many fees in total were added during the agreement?


If I have been of any help, please click on my star and leave a note to let me know, thank you.

Share this post


Link to post
Share on other sites

What the heck was this quote added for?

"You have no right to cancel this agreement under the Consumer Credit Act 1974, The Timeshare Act 1992 or the Financial Services (Distance Marketing) Regulations 2004."

 

Will this mean it was an unfair contract as you did not have any recourse to cancel even after a very short time?

 

Then just underneath it this quote

"If you exercise your right to settle this agreement early you may expect to pay, if you settle: After a quarter of the term has elapsed After half of the term has elapsed After three quarters of the term has elapsed"

 

This is a conflict within the contract and contradicts its self. Maybe some else will comment on this one very strange.

 

 

Also did they sell you the "GAP" insurance as well can you verify this please


If I have been of any help, please click on my star and leave a note to let me know, thank you.

Share this post


Link to post
Share on other sites
Hi Monty just a quickie was the life care compulsory at time of signing as welcome tended to do this even if you did not want it? this was loaded very high

 

 

Page 2 first 2 boxes how many fees in total were added during the agreement?

 

No insurances were taken out or charged for with this account.

 

 

I am still adding them up but there is circa £1000.00 added between first DN and that being claimed today.

 

 

It is confusing as the amount has varied between DCAs (up and down).

Share this post


Link to post
Share on other sites
What the heck was this quote added for?

"You have no right to cancel this agreement under the Consumer Credit Act 1974, The Timeshare Act 1992 or the Financial Services (Distance Marketing) Regulations 2004."

 

Will this mean it was an unfair contract as you did not have any recourse to cancel even after a very short time?

 

Then just underneath it this quote

"If you exercise your right to settle this agreement early you may expect to pay, if you settle: After a quarter of the term has elapsed After half of the term has elapsed After three quarters of the term has elapsed"

 

This is a conflict within the contract and contradicts its self. Maybe some else will comment on this one very strange.

 

 

Also did they sell you the "GAP" insurance as well can you verify this please

 

I did wonder about this wording - all very confusing.No insurance was sold with this account.

 

I note that they originally denied all knowledge of my original CCA requests ( x 3),

yet at least one was to a DCA which is part of the same group - Cattles.

 

 

I have never seen their formal response to the ICO (when they upheld my complaint) until the recent response to my SAR.

 

 

Effectively, they have not been truthful.

Share this post


Link to post
Share on other sites
I have found the T&C amongst the SAR return from the current DCA. Because the copy of the CCA was so poor I have written this out.

 

Any advice greatly appreciated

 

 

can you please upload these as PDF

 

 

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.

 

 

Share this post


Link to post
Share on other sites
can you please upload these as PDF

 

 

dx

 

Done in Post 55

Share this post


Link to post
Share on other sites

T&C's are still jpg?

 

 

is this the ONLY loan you've had with welcome?

 

 

that doc is too pristine to be the original.


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.

 

 

Share this post


Link to post
Share on other sites

looks like the OP has created this document as the original is a naff copy?


If I have been of any help, please click on my star and leave a note to let me know, thank you.

Share this post


Link to post
Share on other sites
T&C's are still jpg?

 

 

is this the ONLY loan you've had with welcome?

 

 

that doc is too pristine to be the original.

 

Please find attached T&Cs in PDF. Yes - only loan with Welcome. are you referring to the CCA as 'pristine'? I reproduced the text as the copy provided was so poor

Share this post


Link to post
Share on other sites
[ATTACH=CONFIG]54793[/ATTACH]

 

Please find attached T&Cs in PDF. Yes - only loan with Welcome. are you referring to the CCA as 'pristine'? I reproduced the text as the copy provided was so poor

Let's see the actual copy they sent you


PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 

 

 

Any help I am able to give is from my own experience only. Should you have any doubt you should contact a qualified professional.

Share this post


Link to post
Share on other sites
Let's see the actual copy they sent you

 

See earlier post and PDF of original CCA

Share this post


Link to post
Share on other sites

is my screen upside down

 

 

that's not ALL the T&C's required

 

 

something is wrong here


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.

 

 

Share this post


Link to post
Share on other sites
is my screen upside down

 

 

that's not ALL the T&C's required

 

 

something is wrong here

 

The CCA is Form 1.

The Legal Charge is Form 2 and

 

 

I am reposting the T&Cs (hopefully right way up this time!).

 

 

After 3 x CCA request I was finally provided Form 1 only - no T&Cs, no form 2 by the then CCA on the 12.04.2012.

 

 

I was only provided a complete set (attached) by the current CRA on 05.11.2014.

 

 

There are other forms a 'Demands & Needs Statement' (Form 7)

which relates to various insurances we never took out.

 

 

A Form 8 - Payment Breakdown Statement of Price (No T&Cs in this document).

 

 

A Form 9 - relates to broker fees

Share this post


Link to post
Share on other sites

pers I don't think those sheets meet the CCA request requirement

 

 

I'm sure there are T&C's missing

and I think those charges are wrong too , should they not be £12 by that time - 2008?


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.

 

 

Share this post


Link to post
Share on other sites

I agree. The wording of my CCA requests were:

 

Please take this letter is a formal request pursuant to s.77(1) of the Consumer Credit Act 1974. Please provide me with the following documents:

a. Copy of original agreement

b. Default Notice

c. Full and complete statements of account

 

I expect you to comply fully and properly with this request, within the statutory time limit. You are reminded that should you fail to comply with my request, the provisions of s.77(6) will apply.

 

 

My multiple request were never complied with

Share this post


Link to post
Share on other sites

that's not a CCA REQUEST


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.

 

 

Share this post


Link to post
Share on other sites
that's not a CCA REQUEST

 

It is an extract from one I used at the time, provided by this website

Share this post


Link to post
Share on other sites

letter received today address to my wife only (See Post 47,48,49 & 51), from the DCA,

acknowledging receipt of the complaint and promising a response within 5 days,

once they have had the opportunity to fully investigate the points raised.

 

Not sure if this is five days from the date of the letter, in which case this would be 13.12.2014,

or 5 days from the completion of their investigations.

Share this post


Link to post
Share on other sites
It is an extract from one I used at the time, provided by this website

 

 

ideally the CCA template should not be adapted


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.

 

 

Share this post


Link to post
Share on other sites
ideally the CCA template should not be adapted

 

I don't think it was adapted. However, the complaint was acknowledged by the then DCA who provided Form 1 - nothing else

Share this post


Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    No registered users viewing this page.


  • Have we helped you ...?


×
×
  • Create New...