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    • Thank you for the letter, that makes things a lot clearer. So it's a statutory demand rather than self-certifying. See what @Man in the middle thinks but to me, it seems as if the lawyer has a good strategy and seems to have covered all the bases. HB  
    • Could you post up the letter, with your personal info and their reference covered up, please? It should say Letter of Claim, but let's have a look just in case. HB
    • I know dx, a lot of it was my partner and how she felt about it. I also appear to be addicted to my credit file being clean. I still worry for my partner she has too much on as it is, but I am ensuring I manage both of ours so She can forget about. i guess in terms of time I bet masses are defaulting with this economy as it is right now and high interest rates might be the only thing going for me right now. I guess  I’ll find out
    • Please see below for an extract from the letter more about my case. You have been convicted of two matters of failing to give driver details linked to two speeding offences and been disqualified in your absence. You confirmed that you did not receive the court documentation and the first you knew about the cases was on 3/6/24. As you can make a statutory declaration it is possible that we will be able to persuade the police to accept pleas to either or both of the speeding offences as they were committed within a very short space of time and withdraw the two fail to give driver details offences as normally if you plead to one or other of the speeding or fail to give driver details the prosecution will withdraw the other related offence. If successful you would not face a totting ban. In respect of the speeding offences, it could be argued they were committed on one occasion due to the proximity of the time and location and we may be able to persuade the prosecution to drop one of the speeding offences. You are technically guilty of all the offences because you accept it was you driving when the speeding offences were committed and that you did not update your change of address with the leasing company when it was your responsibility. If the prosecution will not withdraw the two failures to give driver details offences, you will face a totting ban but will be able to put forward an exceptional hardship argument. This  may or may not go ahead at the court hearing date, so we need to prepare for all eventualities. As a safeguard we have lodged the appeal and applied to suspend your ban pending appeal due to the time limit for being able to automatically appeal without getting leave of the Judge. The court have dealt with the matter very quickly and have actually listed your matter for an application to suspend the disqualification pending appeal on the above-mentioned date. We could actually use this date to make the statutory declaration in court having explained the situation to the magistrates and then see if the prosecution will agree to accept pleas to one or both of the speeding offences as a way of resolving the matter without the need for you to put forward an exceptional hardship argument. It is possible the case would need to be adjourned so that we can make those representations, or the court may want to go ahead and hear the exceptional hardship argument. The outcome of your case is always at the discretion of the Court.  
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Welcome finance pre 1999 ppi problems? help?


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i had a HP agreement in novemeber 1998 for a car taken with welcome finance. Recently i thought i would try and find out if ppi was included. I was young and silly at the time but needed a car.

Through writing to WElcome -i have found out i did have PPI and what the premium was paid including the dates taken out and also a policy number. - all paid off i may add.

 

Welcome have stated they dont know who the underwriter is with?? i have contacted:

Aviva

Llyolds

 

in relation to this and both even after quoting policy number etc have denied being the underwriter?? I,m not sure who else to contact in regards? anyone else have any underwriters for arround that time that i can contact please?

 

any help would be appreciated. thanks

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Do you have statements etc? Then you can just file a claim against welcome. Their problem to find the underwriter. Not yours.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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sorry no statements- i originally went through resolver website- welcome then sent me letter stating that they had no details on underwriter as it was before 2004? So icalled them -they gave me the policy number for the ppi and how much my premium was. Along with the dates of the agreement and my welcomde account number. Still no details on the underwriter- so i contacted 2 known underwriters whom advised its no them.

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Unless you can get the statements through a SAR, which is an extremely long shot and doubtful youll get it given the amount of time thats passed, theres nothing more that can be done

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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why are you going after the underwriters have welcome said go away

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

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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hi hun I don't know about - car finance but they miss sold my loan and insurances luckily I had a refund through the finantial services compensation scheme they are currently paying out this moment for and behalf of welcome finance ring them and they will be able to tell you

 

 

you need a dsar (data subject access request ) under the freedom of information act you are requesting a full dsar you will have to phone welcome tell them that you are requesting a full dsar and they will tell you that you will have to send a cheque payment to welcome finance of 10.00 this gives you a copy of all the information about the sale of your policy who the underwriters are insurers everydetail the hold on the system will be provided to you they cant deny this because if they do you can report them to the ico - information commissioner you can still phone the ico.org.uk - because they are withholding information from you and this is against the law under the freedom of information act - you can report them for this but do ask for a dsar and then you will have the information that you need for your claim

 

 

so you need to

 

 

contact welcome and request a full dsar

phone finantial services compensation scheme and start your claim - they will probably have the information of the underwriters there because many people would have gone to them for welcome re- claim as I know they are paying out at this moment and still taking on welcome complaints .

and if you still feel that welcome are withholding information go to them you can speak to them in person and the website address I have given you they have a live chat option also . I hope it goes well and start tomorrow give them a call . these people will help you like they helped me .

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SAR

as has been advised

noting to do with FoI act!!

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

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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  • 1 year later...

just spoke to welcome they have no record of a car loan I had with them from 1997/8 - they state no records from my info from a garage I got the car from stating welcome they used in those days, my old address etc etc = Oh! well worth a try as I know I had PPI, but the underwriter thing was the comment would I know Who?? Dam Blast!

:mad2::-x:jaw::sad:
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aviva [Norwich union] I will guess

ask them

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

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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well they still state no records found referring to the DSAR they acknowledge receipt of:- I know it was welcome and the garage stated HP welcome for poor credit or lloyds for good credit I know it was welcome finance

:mad2::-x:jaw::sad:
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who aviva?

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

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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:lol::lol:

 

the track record with aviva and these old welcome loans is quite good.

 

dx

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

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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