Jump to content

 

BankFodder BankFodder


JoanneL

WF - unsecured loan, only fees left

style="text-align:center;"> Please note that this topic has not had any new posts for the last 882 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

Hello!

 

I know the answer is easy to find but I can't find it!

 

I have approx £360 left of an enormous loan with WF.

I have refused to pay it for possibly a year now.

Might be slightly less.

 

I know there is a letter you can write about not paying the fees and telling them politely no.

But I can't find it.

 

Please can someone point me in the right direction?

 

If I'm completely wrong, I'd love your advise

 

J

Share this post


Link to post
Share on other sites

correct there is not one.

 

have you all the statements ?


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 have all the statements.

I received a letter yesterday asking to submit an early settlement figure for them to decide on.

I'm on 0% interest but I'm damned if I'm paying them a penny more because it's all fees.

Share this post


Link to post
Share on other sites

What do they claim the fees are for??


Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

Share this post


Link to post
Share on other sites

everything from letters/phones/late/phantom debt advice charges to its raining today your fault knowing welcome finance.

 

 

you need to either scan the statements up to one multipage pdf upload

or pop them in the CIsheet sheet yourself.

 

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?330996-Latest-Spreadsheets-PPI-Claims-and-Charges-Claims-Dec-2011


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 love a spreadsheet!

 

I shall do this a priority when I get home tonight.

 

Than I'll come back to you if that's ok?

Share this post


Link to post
Share on other sites

yes its not quite that simple..


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 I upload a photo to this thread?

Share this post


Link to post
Share on other sites

you can attach the spreadsheet directly

simply remove your name and the account number.

 

 

go advanced next to post quick reply

manage attachment

add files

upload

  • Confused 1

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

Has that worked? Can you see it?

 

Also, I'm already up to in excess of £400 of 'fees'.

 

They don't have a reason, just noted as 'fees' on the statements. Is that an issue?

29 Jun 2017, Welcome Finance.pdf

Share this post


Link to post
Share on other sites

the fees will be a fixed sum usually £20 or something

copy up the statement.


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

Also they have charged me interest on the fees!!! Shall I put that on the spreadsheet too?

Share this post


Link to post
Share on other sites

If its itemised as interest on the fees yes but its easier to help if you post the statements as advised so we can be clear in the advice given.


PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 

I am not legally trained or qualified, any advice i offer is gleaned from experience and general knowledge, if you are still unsure after receiving advice please seek legal advice.

 

 

 

GEMHL Settled

Barclaycard Settled

A & L SETTLED IN FULL :lol:

Spml Reluctantly withdrawn

Blackhorse pre 31-7-06 Demand removal sent 23 8 06. ICO ordered removal jan 2007....REMOVED:lol:

Share this post


Link to post
Share on other sites

Ok. I'll scan them in tomorrow

Share this post


Link to post
Share on other sites

the CISHEET does that for you.

that's why you have to enter their int rate


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

Similar situation to mine this (along with PPI) as I have a very basic statement off welcome finance stating various fees that remain unexplained totaling hundreds, 2 are for over £100 each alone I recall looking at the only statement I have. I've written to welcome finance 2-3 weeks ago regarding the fee charges but I'm yet to hear back despite having heard back about the PPI side of the claim twice now.

 

I'll update on this any my own thread if and once I hear back to see what they say except I'm giving them another week before I chase the fee issue up with them. But my case is somewhat different as it's been to court recently, but I assume to right to reclaim the fees is the same anyway.

Share this post


Link to post
Share on other sites

Here is everything

 

Page 17 shows there was more interest on the charges alone than the charges actually were!

 

 

now not page 17 mind - dx after redacation.

docs1.pdf

Share this post


Link to post
Share on other sites

had to hide that

you've left the account number on many pages.

and many blanks we don't need


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

Drat.

 

I'll look at it again tonight and re-do it.

 

Thank you dx100uk for hiding it

 

I just ran it through the copier at work then crossed off what I thought was all the identifying data. Then scanned it. Forgot some pages eere only one side.

Share this post


Link to post
Share on other sites

ive sorted them for you.


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

your spreadsheet should list individually each:

unpaid DD fee

fee [£10,25,5,10,25 ]

NOT the odd sums like Fee 2.63 [that's simple int]

 

 

oh and you've got PPI too!


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

OK! PPI is shown on there as a credit in Jun 2011.

 

Here is my CI sheet. As you can see I haven't put in an interest rate. Is it 8% or the rate on the loan (17.88%)?

CISheet v101 (1) JoanneL.pdf

Share this post


Link to post
Share on other sites

loan rate in cell d15

is it still an active account?


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

Yes still active as they say I owe £300 but it's all fees. I want to argue that they have had more than their fair dues

Share this post


Link to post
Share on other sites

What interest rate am I putting in?

 

If it's they 17.88% it makes the claim over £2000

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...