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    • Hi   Sorry for the delay in getting back to you don't worry we have not forgot you.   So they have destroyed ALL DATA personal to you as you did not take the Property. (really they have put there foot in it)   If they hold no personal data then they have NO evidence of what was agreed to with your Holding Deposit and the refusal to return it.   Now if it was me I would let them drop themselves in it even further by responding to there SAR response.   Thank you for your SAR Response dated XX/XX/2019   Due to this response I require clarification of the following:   1. Have you followed the Data Protection Act 2018 & General Data Protection Regulations on Destroying My Personal Data?   2. If you have Destroyed All My Personal Data then what documentation do you hold that I have signed/agreed to the Holding Deposit being Non-Refundable and to provide copies of this documentation.   3. I require a copy of your Policy on Holding Deposits   Please bear in mind the above is what I would do.   I do think it is looking like you may have to go down the court route (make sure and have a good read of that link I previously gave you to the Tenants Fee Act).
    • HI   Firstly the parking in front of your drive, do you have a pavement with a Drop Kerb in front of your property to access your driveway, if so are they infringing on the Drop Kerb? (note your can ask the council to to paint a white line with lines at the end on the road in front of the drop kerb please note there may be a cost from the council to do so)   As for the CCTV look at this ICO link: https://ico.org.uk/your-data-matters/domestic-cctv-systems-guidance-for-people-using-cctv/   Due to the new DPA/GDPR if you have CCTV on your Property and it views outside of that Properties Bounderies they then need to register as a Data Controller with the ICO.   So I would make a Formal Complaint in writing to the Councils Data Controller, ICO (specifically asking if this individual is Registered with them as a Data Controller) & Police, you need to keep a good paper trail of this individuals actions.   I hope this individual knows the Law on Harassment as from your thread that is the impression I get is no matter what you do they will find something else to complaint about.  
    • Most guarantees are not transferable anyway to the new owner so why a solicitor should request it is pointless.The quotes should suffice to prove the work was carried out.   Andy
    • Apologies for the prolonged radio silence!   To cut a very long story short, I went back to Barclaycard (because I bought the car with my VISA card) and they offered to repair the car at a cost of £2500.   We accepted the offer because we were advised that even if we went to court and won the case, there was no guarantee that the dealer would give us our money back anyway or would end up paying us £10 a week for the next umpteen years.   The decision to have the car repaired was also made in the light of the fact that apart from the gearbox issue the rest of the car was in good nick. It is running fine after nearly 4 months now, so even if our friend gets a few more years out of it it will have been worth it.   Now that it is all settled I can reveal the name of the dealer - it was Thatcham Motor Company, in Thatcham, Berks. Very pleasant to deal with at first whilst everything was ok but boy oh boy, beware if anything goes wrong!   Similarly Momentum Warranties who provided the 6 months "warranty". On paper this warranty apparently covers practically every conceivable fault that the car might develop until you try to make a claim!   It seems that only if a component physically breaks that any cover is provided, otherwise they will hide behind the "fair wear and tear" get-out clause. Can an ECU unit be subject to wear and tear?   I would not touch either of these outfits again with the proverbial barge pole. Buyer beware!   One further thing I forgot to mention. We ran up considerable expenses trying to sort all the issues - the engineer's reports, travel costs etc.   Is it too late to try to claim these back from the dealer now? I just ran out of energy by the time Barclaycard agreed to pay for the repair but now the dust has settled I am up for it again!   Would this have to be done via the Small Claims Court?
    • no rush yet not due for 3 weeks as per andyorch's information above   i'm sure we'll get time before then.   dx  
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t03spd8

Welcome Finance

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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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