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    • if you wish to put up everything like    your defence claimants WS defendants WS   then im sure those here now and future victims will find it of value   if you read upload carefully you'll see its best to upload each as a separate multipage PDF but ofcourse you'll have to redact each page as a jpg picture 1st before merging each to the relevant multipage pdf .   dx  
    • Thanks I’m happy to put something back ! I didn’t have the courage of my convictions to counter claim even though I was really quite proud of the thoroughness of my court bundle ! i really wanted the opportunity to get into the detail with the judge and felt quite cheated when it ended, but of course I realised that they had just moved on to their next victim  will watch this space 👍  
    • I have created your own topic for this as its import to have it own one but placed a link on the thread you posted on.   you should never counterclaim that exposes you to further cost and rarely succeeds esp if they disc' the claim always best to state in a sep letter you will be seeking costs esp loss of days wages at £90 which most judges allow.   as for an sar, its p'haps always better to issue a cpr 31:14 too or in replacement of, an sar.   well done on your important win
    • My wife has directed me to post on this thread as I have just successfully won against these charlatans   My hearing date was all set at my local court for 31st October 2019 all defence papers were filed and served and frankly I was really looking forward to it! This morning I received a letter from BW legal stating in a one line response that I was to take this letter as a notice of discontinuance whereby the claimant KBT (armtrac) discontinues all of the claim. I am beyond disappointed that I didn’t get my chance to see these idiots across a desk! And that’s it I don’t appear to be able to take this further? I now realise I should of had the courage of my convictions and faith in the advice of others to issue a counterclaim! What I have now in my possession is a file of information which would be Gold-dust to the next person in my position! I feel like I would be able to get some sort of closure if I could pass some of this wisdom on but there are many posters here already and every case is different in its own way The key points in my defence were as follows and useful to anyone ‘caught’ at Sandy Acres. Keep the original parking ticket you purchased and send a copy to KBT with a covering letter ASAP do not identify the driver at any stage of the process!!!!  The blue sign uses the word penalty which is contrary to the IPC codes of practice  The red and white sign has a café open sign in front of it  which obscures it from the drivers view both available to download via Google maps Check the date you receive NTK mine was 71 days Do an SAR and you will get back the pictures of the alleged offence in my case they were of such poor quality you could not tell which way up the ticket was in the photo and in no image they held was there a picture showing the ticket and the vehicle numberplate. They offered no other evidence. Pretty soon you will see the money is being sought escalate until they no longer match the figure on the NTK even if it is sent within 56 days When you see a breakdown of costs for the money being sought it will ultimately include legal costs, typically £60 that the solicitor knows cannot be recovered in Small Claims Court. Personally I am now considering reporting BW legal to the law society or solicitors ombudsman for being party to a process which is fundamentally dishonest, an abuse of process, and a complete waste of court resources?   i am happy to help anyone who needs assistance but rest assured that their case against you relies on you caving in and paying, they have no plan B but will try and make you doubt your ability to defend yourself.   Dont worry about small claims Court, it isn’t crown court, just an office with 3 desks and certainly less stressful than a job interview or meeting with the bank and less at stake.   I got to one week from my court date and they gave up!
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t03spd8

Welcome Finance

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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

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I applied for a loan with WFS (unsecured loan) in November 2008, sent away the paperwork on 10th December 2008 and STILL am yet to receive payout.

 

Does anyone at Welcome post here? Is anyone else in the same boat? I need advice - are they ever gonna give me money or is it actually really busy or am I just being fobbed off?

 

I sent away all the correct documents - they have confirmed this much.

 

Ta

T03

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t03spd8

 

the way thing are going with welcomes parent company cattles, dont hold your breath.

 

this could be the next big name in the credit crunch

they are mortaged to the hilt and cant get funding

hoping this then welcome will go the same way as yes car credit

 

MY ADVICE

 

IF THEY DO OFFER THE LOAN

REFUSE IT

BELIEVE ME YOU WILL BE SAVING YOURSELF ONE BIG HEAD ACHE.

 

ITS YOUR CHOICE

 

please read all the welcome thread to get the full sp on this lot

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Im sorry but it seems everyone who complains here are people who have missed payments on the loans they agreed.

 

Im sat here with my Finance Agreement and it tells me how much im borrowing, my monthly payment, how many monthly payments and my APR.

 

I know I can afford my monthly payment and will have little problems securing this money each month to do so, so whats the problem?

 

I am paying 60 odd % APR but thats my own fault for getting myself into bother a few years ago - im working out of that.

 

When I called they did push the PPI quite forcefully but I told them I couldnt afford it and not taking it reduced my monthly installments by almost half.........

 

But I managed to get an offer / quote without it.

 

Hmm...

 

I think I can make up my own mind without having the opinion of the careless and the misfortunate forced down my throat.

 

PS if any welcome employees can help me out with my previous question I'd really appreciate it!

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sounds like you have made up your mind. I wish you luck.

 

actually having read your last comment I find you smug arrogance of your comfortable life insulting.

 

can you explain to me why i repaid £2200 yet only £600 came of the balance where the rest went.

 

I LIKE EVERYONE ELSE WORK HARD FOR THE MONEY I EARN AND HAVE A RIGHT TO KNOW WHERE MY REPAYMENTS WENT.

 

WHY DON'T YOU ASK YOURSELF THE QUESTIONS AS YOU JUST THE SAME AS WELCOME EMPLOYEES

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The balance of the amount you borrowed or the balance + interest?

 

I dont have a comfortable life ,otherwise I wouldnt be borrowing** money from Welcome Finance would I?

 

I'm just saying it seems beyond logic that signing up for payments at £X.XX per month for X months can go wrong. Surely you just multiply the monthly payment by the amount of monthly payments and thats what you give them??! Theres nothing else in this agreement that I can see that states you have to pay more?

 

Its not my fault if youve borrowed at high interest then borrowed more and then more again and dont know what you owe any more. Thats your problem not mine.

 

** I did not mean to refer to anyone as a scrounger

 

P.S Making sure you can afford the repayments of a loan is just a sensible thing to do before you borrow, dont you think?

 

Rather than being a smug comfort

Edited by t03spd8

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t03spd,first of all you have gatecrashed someone elses thread and have repeatedly asked if any Welcome employees post here.

What gives you the idea that there would be ?

The tone of your posts has upset other users here,and whether that was intended or not is besides the point.

I suggest that you start your own thread.

At the same time you should be aware that there are many here who are trying to resolve their issues as best they can.

To suggest they have been careless is perhaps ok-to suggest they are scroungers is NOT ok.

Please refrain from posting these sorts of comments.

And I think I am right to say that Welcome would definitely be VERY UNWELCOME on these forums.


Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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I was calling myself a scrounger because I am desperate for a loan just now - I wasnt referring to anyone but myself

 

But thanks for the advice - I will certainly start my own thread.

The only reason I posted here was because its entitled "Welcome Finance" and I thought it was acceptable to ask a question as others have in the past

 

 

Good luck all.

Edited by t03spd8

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given yesterday's news i think you might be struggling to get that loan now welcome is cutting back lending!

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Yeah I think youre right EBOY and by 75% too. Maybe I'll hold out some hope considering I got an offer/quote in November 08, but we'll see.

 

Are there any other companies like Welcome that lend to people with poor credit ratings?

 

Cattles are screwed

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Well I'm not getting my loan say WFS. Can't say I'm surprised. They didnt make any payouts in December I guess when your parent company share prices drop from £3 to 10p you know you're in trouble.

 

£16k with a total repayable of £39k is criminal :-( I'm really sorry to hear that.

 

I applied for £1000 over 2 years and I think I would have paid back £1800 had they given me the loan. and that was without PPI etc.

 

I too have a lot to learn about the financial side of life - my rights, my responsibilities, what I can do, what processes are in place that can help me pay back what I owe ( I dont want to run away from my debts I want to clear them! ).

 

 

What annoys me is that I believe they have LIED to me the whole way through December wasting valuable time, and also their conveniently scheduled maintenance on their website with regards to applying for a new personal loan - why not just tell people to bog off that they cant take applications - more lies.

 

 

*Sigh*

I guess in the long run I'll consider myself lucky I didn't get my loan from Welcome Finance and just battle this one out.

 

Good luck everyone.

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