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WF - unsecured loan, only fees left


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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

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correct there is not one.

 

have you all the statements ?

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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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!

 

 

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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..

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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yes its not quite that simple..

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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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..

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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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..

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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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:

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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..

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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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.

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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..

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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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.

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ive sorted them for you.

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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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..

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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loan rate in cell d15

is it still an active account?

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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Share on other sites
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