Jump to content

 

BankFodder BankFodder


toshyboy

two welcome finance loans

style="text-align:center;"> Please note that this topic has not had any new posts for the last 213 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

Then they have not complied with the S.77 request

 

If you have not sent them an account in dispute letter already do so - if you have already sent it you can write to them and remind them off this fact.

 

You could also mention that you have pointed out CPUTR 2008 in your previous letter and that by them stating they have complied with a valid S.77 request they are attempting to mislead you, which is against CPUTR 2008 and OFT guidlines on debt collection.

 

Have attached a link showing what they shgould send you to comply with a CCA request.

 

S.78 request requirements.pdf

Share this post


Link to post
Share on other sites

Yes 8 weeks is the MAXimum time limit they have to sort out your complaint, when they don't you can automatically escalate your complaint above their heads.


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

Who would I escalate this too if i dont get a reply after 8 weeks?

 

Cheers dadofolly - i'm a little confused though - should i wrote a letter informing of dispute with welcome or to say they havent complied fully with request. Or indeed both??

Share this post


Link to post
Share on other sites

Just that they have failed to comply with your CCA request.

Here is the letter template - just amend it for your needs.

 

http://www.consumeractiongroup.co.uk/forum/content.php?436-Failure-to-provide-a-copy-of-the-agreement-within-the-prescribed-timescale.

Share this post


Link to post
Share on other sites

Thanks for your help guys. I'll get that off in tomorrows post.

Share this post


Link to post
Share on other sites

Hi Guys

 

Got a further letter today dated 27th October. Exactly the same as the one I received on 25th which was dated 20th October, with a 1 page credit agreement attached.

 

I didnt send my reply to the 1st letter/agreement I received until 28th so to get another copy is quite strange

Share this post


Link to post
Share on other sites

Can you post up the agreement after removing

any identifying details??


Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

Share this post


Link to post
Share on other sites

Are all the Ts & Cs included in the document.??

 

Brig.


Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

Share this post


Link to post
Share on other sites

Hi Brig

 

This is literally all i got attached to a covering letter from mckenzie hall requesting payment in 7 days

Share this post


Link to post
Share on other sites

Did you send the account in dispute letter? if not send it asap, they have still not complied.

Share this post


Link to post
Share on other sites

I'm finding a huge number of Welcome

contracts popping up, some with years

of non payment BUT never defaulted,

loads of rewrites with the RW never signed

by them and never actioned.

This company has be run by gremlins IMO


Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

Share this post


Link to post
Share on other sites

Brig You are not far wrong - the lost their CEO some directors and senior managers after they was found to have a £750 million black hole in their accounts.

 

They now only exists to collect because their financial backers were RBS, (now publicly owned). They have even defaulted on the PPI repayments and the tax payer is picking up the bill for that.

Share this post


Link to post
Share on other sites

yeah, i sent it at the weekend

 

Hi Brig, excuse my ignorance but what is the RW? Thanks

Share this post


Link to post
Share on other sites

Welcome had a handy but dubious ploy

of offering debtors who were in difficulties

rewrites of their loan agreements which were

to say the least detrimental to the debtor

these rewrites were often improperly or

never signed or executed and are basically

worthless.

 

Brig.


Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

Share this post


Link to post
Share on other sites

Should my agreement have not been signed by a witness as their is a space for that at the the bottom of the agreement?

Share this post


Link to post
Share on other sites

Indeed so it is not always shown on agreement

now adays but often in the past a witness to the

debtors signature was part of the contract if this

has been ommitted the contract is open to challenge

in my opinion.

Often with Welcome contracts it seem another member

of their staff would witness the debtors signature, also

open to challenge.

 

Brig.


Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

Share this post


Link to post
Share on other sites

Interesting I wonder if thats why they havent sent me the t & c's

Share this post


Link to post
Share on other sites

They wont have the T&C's because they only ever copied the front page.

Share this post


Link to post
Share on other sites

This is why they are in the deep brown do do now!!!


Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

Share this post


Link to post
Share on other sites

be interesting to see how MH respond to my letter if they cant get the information

Share this post


Link to post
Share on other sites

Thats their problem - but no T&C's means they cannot enforce the debt.

Share this post


Link to post
Share on other sites

Hi guys

 

To update received a letter yesterday from MH saying they will request information from Welcome and should they not receive a response in 40 days they will pass the file back to them.

 

I was just wondering, if MH dont produce the documents and it goes back to Welcome is it still deemed "unenforceable" or would that just apply to MH.

 

After reading that Welcome now only deal in collections, my worry is if it goes back to them from MH that they would immediately issue against me to try and recover.

Share this post


Link to post
Share on other sites

No if it is in dispute it is in dispute - if welcome try it on just send them a copy of the original CCA request and dispute letters. Don't matter wh it is they cannot enforce the agrement without the T&C's.

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...