old welcome secured loan - sigma/exprto/lowell - Confused - who owns my secured loan now?

[DavieF]

Thanks Andy, so then what would you say my next step then?

 

What action do you take if a company can't provide a sar? Is there anything that can be done, Or do I just accept they don't have what I'm asking for?

[AndyOrch]

Wait and see if they can comply first

Have you got all the details from TLR re the charge ?

[DavieF]

Yeah I do Andy, I have a recent copy hence how I know welcome definitely hold the charge.

 

Is there a standard response to the type of letter they've sent?

[AndyOrch]

Which letter ..what post number ?

 

Who are Blue Sky Finance ? Your reference.

 

http://www.blueskyfinanceltd.co.uk/

 

Who are Secured Lending Services...(Scotland)They dealt with placing the charge for Welcome.

 

 

Do you reside and was this taken out in Scotland ?

 

 

Andy

[dx100uk]

I see also theres atleast one rewrite

did they ever sent you a new agreement to sign?

[DavieF]

Other than whats in the early SAR, I have never heard of BlueSky or Secure Lending. The charge on the title deeds is "welcome Finance", no mention of any of these other companies.

 

 

No, I have never received any new agreement to sign and there was never any mention of a re-write, they were hounding me and I tried my hardest to avoid any sort of telephone conversation with them, so the few calls I did have I would remember discussing whether to rewrite it.

 

 

Yes, its in Scotland.

 

 

I'm just really looking to see what my next step is since they cant identify me from their records.

 

 

Thanks for all the help so far, there so much info on the net regarding the downfalls of welcome, it gets a bit overwhelming!

[dx100uk]

pers if I were you id stick to whats on cag rather than reading elsewhere

 

i'll go thru the sar in fine detail later as I've a busy few days

but I can almost 100% guarantee that you will have atleast one re write and the sig on the agreement will NOT be yours.

 

more soon

[DavieF]

Thanks Dx, i'll stick to CAG, just trying to educate myself a bit.

 

 

I really appreciate all the help.

[DavieF]

Hi all,

 

I just realised I am now past the standard 40 days to receive my SAR from Lowells, should I be sending another letter to Lowells chasing them up or give them a bit more time?

 

Also, i'm still not sure what to put back to WF after them claiming not to be able to identify me, any ideas?

 

Thanks,

[AndyOrch]

Its now 30 days...

 

https://www.consumeractiongroup.co.uk/forum/showthread.php?387306-Full-Subject-Access-Request-under-the-new-GDPR-2018-regime

[cruzhughes]

The SAR should go to Welcome the orignal owners.

 

CCA to Lowell’s

[DavieF]

Oh OK, so they're both well passed the thirty days then.

 

Is there a, template to write back to them?

 

Any ideas on what to say to welcome as they claimed they couldn't identify me for some reason?

 

Appreciate the advice guys

[dx100uk]

so you sent lowells a CCA request yes?

[Old Cogger]

sigma that rings a bell from the past and the demise of varde days!

[DavieF]

I sent both lowells and welcome a sar request. Welcome wrote back saying they couldn't identify me and to call to discuss (I haven't).

 

Lowells haven't responded at all.

[Old Cogger]

Welcome say the same to me cannot find account keep stating ring us? keep telling them why if they keep telling me no record of me then the phone call will state the same, where is my SAR//

[DavieF]

Isn't it odd? They have a charge on my property so how can they not know who I am?

 

Did you just write back asking for sar again then?

[Old Cogger]

complaint to ICO

[dx100uk]

you should have sent lowells a CCA request not an sar

did you send them one?

[DavieF]

Hey dx,

 

I sent a sar request to lowells and coincidentally got the paperwork through today which consists of a copy of the cca along with a statement of account just showing my balance and payments made over the years.

 

The cca is an exact copy of the one I have.

 

Thanks.

[dx100uk]

do the statements go back to the start of the loan?

 

if not...

i'd go ring welcome now

no harm in doing this

 

use the truth with them that you are looking to sell now but cant settle the charge as your solicitor is querying that he has found out the debt resulting in the charge is now no longer owned by welcome...your are confused, what can they tell you and who do you need to settle with.

if they relate any information...that's means they DO hold something.

record the call

DONT tip them off you've sent an sar etc...

 

if the person starts quoting info [that they shouldn't have!] ask them for a ref number to quote and an address to sent an sar too as you'd like a copy...

 

see what happens...

 

dx

[DavieF]

Thanks Dx, the statements go back to when Lowells took over the loan, no further back than that.

 

I'll give WF a call this week and see what they say.

 

Thanks again, i'll give you an update after the call.

[dx100uk]

pers I think its worth a shot.

record all calls

[DavieF]

So I called WF today,

I quoted the account number that I have (the same one I put in the SAR) and they found my account in seconds but the lady then proceeded to say "your account has been passed to a company called lowells, you'll need to contact them" so I just thanked her and hung up, I didn't want to get into conversation with her.

 

Does this mean WF should still have all my paperwork then?

Edited September 7, 2018 by dx100uk
spacing

[dx100uk]

yes