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    • be very wary upon what you see being recently posted on here 😎 regarding KIH.... all is not what it seems...  
    • 1st - all my posts on CAG are made not only in reply to the specific issue the topic starter makes but also in a general matter to advise any future readers upon the related subject - here it is kings interhigh online school. KIH lets take this topic apart shall we so readers know the real situation and the real truth...and underline the correct way to deal with KIH. https://tinyurl.com/ycxb4fk7 Kings Interhigh Online School issues - Training and Apprenticeships - Consumer Action Group - but did not ever reply to the last post.  but the user then went around every existing topic here on CAG about KIH pointing to the above topic and the 'want' to make some form of group  promoting some  'class action' against KIH . then on the 2nd march this very topic this msg is in was created. all remarkably similar eh? all appear to be or state..they are in spain... ....as well as the earlier post flaunting their linkedin ID, (same profile picture) that might have slipped through via email before our admin killed it.., trying to give some kind of legitimacy to their 'credentials' of being 'an honest poster'....oh and some kind of 'zen' website using a .co.uk  address (when in spain- bit like the Chinese ebay sallers) they run ... and now we get the father of the bride ...no sorry...father of a child at the uk-based international school in question posting ...pretending to be not the 'other alf... do you really think people are that stupid..... ................... nope you never owed that in the 1st place... wake up you got had and grabbed the phone - oh no they are taking me to court under UK jurisdiction...and fell for every trick in the book that they would never ever put in writing that could be placed in front of a court operating under their stated uk jurisdiction wherever you live. T&C's are always challengeable under UK law this very site would not exist if it were not for the +£Bn's bank charges reclaiming from 2006> and latterly the +£Bn's of PPI reclaiming both directly stated in the banks' T&C's were they claimed they were legally enforceable ...not!! they lost big time... why? a waste of more money if you've not got a court claim....... why not use them for a good outcome...go reclaim that £1000 refundable deposit you got scammed out of . people please research very carefully ...you never know who any of these people are that are posting about kings interhigh and their 'stories' they could even be one of their online tutors or a shill . don't get taken in. dx      
    • @KingsParent thank you for sharing your experience.  I also tried contacting the CEO but didn’t get very far. Do you mind sharing his contact details?  kind regards   
    • Thank you Rocky for the clarifications though they did cause a problem at first since an original windsccreen ticket was  of a different breach some time before. The current windscreen ticket only states that you were parked there for 6 minutes which is just one minute over the minimum time allowed as the Consideration period. There is no further proof that you parked there for any longer than that is there? More photographs for example? Moving on to the Notice to Keeper-it does not comply with the Protection of Freedoms Act 2012 Schedule 4. First there is no parking period mentioned on it. there is the time 20.25 stated which coincides with the W/S ticket but a parking period must have a starting and finishing time-just one time is insufficient to qualify as a parking  period as required in Section 9 [2] [a] . Are there any different photos shown on the NTK comapared to the w/s PCN? Not that that would make a difference as far as PoFA goes since the times required by PoFA should be on the NTK but at the moment Met only appear to show that you stayed there for 6 minutes. Another failure to comply with PoFA is at S9([2][e] where their wording should be "the creditor will (if all the applicable conditions under this Schedule are met) have the right to recover from the keeper so much of that amount as remains unpaid; ". You can see on your NTK that they misssed off the words in brackets. Met cannot therefore transfer the charge from the driver to the keeper. Only the driver is now liable. Then their is the discrepancy with the post code on the NTK  HA4 0EY which differs from the post code on the contract and the Post Office Postcode Finder which both list it as HA4 0FY. As you were not parked in HA4 0EY the breach did not occur. In the same way as if you were caught speeding in the Mall in London, yet you were charged with speeding in Pall mall London [a street nearby] you would be found not guilty since though you were speeding you were not speeding in Pall Mall. I bow to Eric's brother on his reasoning on post 12 re the electric bay abuse  That wording is not listed on their signs nor is there any mention on the contract of any electric charging points at all let alone who can park there or use them. He is quite right too that the entrance sign is merely an invitaion to treat it cannot form a contrct with motorists. Also the contract looks extremely  short no doubt there will be more when we see the full Witness statement. As it stands there is no confirmation from Standard Life [or Lift !] on the contract that Savills are able to act on their behalf. Also most contracts are signed at the end of the contract to prevent either side adding extra points. So their percentage  chance of winning their case would be somewhere between 0.01 and 0.02.    
    • @dx100uk no, haven’t received any correspondence as of yet. Still waiting on a court date but seems to be taking forever. Have noticed an increase in unhappy customers on here
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Coast / Welcome Nightmare


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Ive been a customer of Welcome finance for 12 years having unsecured loans up until around 5 years ago when I took out a secured loan,

 

From memory it was around 22k (I have requested a breakdown of info from welcome so will report back with that)

 

Paying back currently at £250 a month until

this month and last when I had no choice but to miss the payments.

 

Having discussed this with welcome I asked for a breakdown of the remaining payments,

to which I was blown away to find out there are 178 monthly payments remaining at that payment amount.

 

By my calculations I have paid them back approximately £15 000 with another 44 500 remaining.

 

Im not in a position to up the payments to clear it off faster and pay less interest.

Have I any other options other than to just keep making the payments?

 

I haven't claimed PPI back on this account,

im going to research into that now,

however from the limited looking around I have done

I believe I am past the time limit as with this loan being 5 years old my previous 3 unsecured loans will be at least 6 years old.

 

Again the information above might not be totally accurate,

but its what ive been lead to believe on the phone.

Ill report back with more accurate information when I have it.

 

So first thing first,

Wait for the documentation requested from WFS,

 

Then send in the information request along with the £10 as outlined in one of the threads above,

and then start persuing the PPI aspect,

However im wondering is there anything I can actually do about the loan?

 

In the mean time, thanks for reading and any basic advice of what way I should move forward would be appreciated.

 

Thanks

Bob

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an sar to welcome

get all the info.

 

if you have had and have refinanced

you've undoubtedly been done over by PPI rollover numerous times.

 

as for the current loan

have you looked at your credit file?

are there any defaults for any credit showing ?

from anywhere?

 

dx

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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Ill get onto the SAR request over the weekend to get all the information I can from them.

 

I am 100% sure I have had PPI on at least one account,

I specifically remember them telling me the only way they could give me the loan was with PPi

as I was young and an apprentice so my job wasn't secure (13 years later still there)

 

There are defaults showing but I haven't checked in the last few weeks to see if there is one from welcome for the recent missed payments,

they are with other companies, and I am working off paying them as much as I can afford

while still maintaing my priority debts.

 

There is also a CCJ on there,

However I have contacted the company that requested this judgement to confirm that this has been satisfied,

They have sent both myself an the register a letter confirming that it has been satisfied,

and I have confirmed that it has now been removed from my credit report.(in the last week)

 

Thanks for taking the time to reply. It is appreciated.

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ok if you have defaults then one more wont hurt.

 

 

I'd drop the payment to £1 PCM or whatever afford comfortably!!

 

 

dx

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 need the info first bob.

 

then we'll know what you ACTUALLY owe

after your PPI+ reclaiming

 

I would also stay off the phone

 

TELL [dont ask] them they are only going to get £xxPCM for xx mts

as a goodwill gesture

and as a reciprocal GOGW they must freeze int & refrain from levying PENALTY charges.

if they wont

drop them to £1PCM for life.

.

as an example>

.

I am currently in financial difficulties and not able to meet my normal monthly repayments.

to show my goodwill, i am going to pay £5 for 6 mts.

 

i will update you in 6mts time or before, should my situation change.

.

could you please as a reciprocal goodwill guesture,

.

refrain from levying any penalty charges & freeze the interest on my account.?

.

Should you fail to assist me during a period of financial difficulty, contrary to all the guidelines and codes

issued by the relevent bodies and authorities that govern you and the way you conduct yourselves.

.

i shall have no alternative but to reduce my offer to £1PCM for the rest of the life of the account,

.

.

as your actions would do nothing to help me.

.

i thank you for your time.

…....

then pay by your internet banking site

.

and get reclaiming

.

TAKE CONTROL

.

or

if you have sent the above and they refuse

then write back........

..

i'm sorry, but you have failed to assist me during a period of financial difficulty, against all the guidelines and codes

issued by the relevent bodies and authorities that govern you and the way you conduct yourselves.

i repeat again, the contents of my letter dated dd/mm/yyyy, for want of clarification:

to show my goodwill, i am going to pay £XX for XX mts

could you please as a reciprocal goodwill guesture, refraining from levying any penalty charges & freeze the interest on my account.

 

i will update you in 6mts time or before, should my situation chance.

should you fail to help by refraining from levying unlawful PENALTY charges & freeze my interest,

i shall have no alternative but to reduce my offer to £1PCM for the rest of the life of the account,

as your actions are doing nothing to help me.

This is contrary to the rules you should operate under.

disgruntled account holder

dx

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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Fantastic piece of information there. Thank you.

 

Ill stop the contact by phone once I receive the first set of documentation from them that ive requested

to outline the previous payments and payment schedule for the rest of the loan.

 

Ill also, Next time they call (expecting it to be tomorrow)

request that all correspondence be in writing from this moment onwards

and request a copy of the original consumer agreement (although I would hope it is contained within the previous request)

 

Then over this weekend I will draft up the SAR letter,

arrange the £10 Postal Order send that to their head office,

and draft up another letter following your outline above,

send it to the darlington office who hold my account and get them both in the post on Monday.

 

Thanks again for all the help, It really is appreciated.

 

 

Ive had my head in the sand for too long with this.

 

 

I guess im also partly lucky though, being in northern Ireland there is no doorstep recovery,

and they don't have a local office in Northern Ireland anymore

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doesn't matter about doorsteppers

they ARE NOT BAILIFFS

and have

NO SUCH LEGAL POWERS.

 

 

IMHO the sar is your priority here

 

 

dx

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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do it tomorrow

simply print the SAR

go get a £10 PO

Post them off

at the same time in the PO get free proof of posting.

 

have you moved in the timespan of all these loans with welcome?

the quicker you get the info the better.

 

dx

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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I would

to stop any chance of confusion

include a list of your passed addresses.

 

 

at the top of the sar

  • Thanks 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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Share on other sites

  • 5 years later...

Im looking for a little (Or a lot) of help

in 2007 I purchased a house under a Government Funded Co-Ownership scheme,

then later in 2007 I took out a loan with welcome.

(it had been refinanced a number of times over the years and now refinanced in to a secured loan)

 

I couldnt afford the repayments, and after being young and stupid for a while I decided I would try and get my finances back on track, and made a payment arrangement with them, Which was fine until COAST took over the loan.

The numbers -
Original Loan Amount £20k (just shy of)
Paid So Far £20,045
Balance £15,900 (&Change)
Of which £10k is arrears.

Since then, Ive gone back over the documentation with my mortgage company, and co-ownership scheme, and not knowing (and reading, young, stupid) at the time its prohibited to take out a secured loan on a property.

 

The property is also substantially in negative equity.(valued at around 60% of original purcahse price) Welcome had these documents at the time (to the best of my knowelge)   

Coast have now made me aware that they may take legal proceedings to recover the debt,

But Ive managed to get them to agree a formal arrangement for a few months.

Ive also noticed they have just appeared on my credit file, so no doubt all my good hard work will be sacrificed now.  

Can they start reporting now that this account is in arrears?

IE bad marks moving forward?

Or only at the time of the arrears?  

My credit rating was just starting to improve too

Since then, Ive got married, Moved out of that house, (its now rented because it cant be sold) and moved in to my wifes house.

to whom I pay rent. (rental of the original property covers most of its own costs) and we have not long had a baby, so needless to say this couldnt have come at a worse time and Im a bit worried.

Ive requested a copy of the original agreement from Coast, as I can not find the original

Any advice on what to do or how to proceed forward with this?

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it cant comeback on your credit file as it was defaulted +6yrs ago I bet.

old and new threads merged.

 

so you never bothered to do the sar in 2014 when advised above?

and you've been paying all this time without ever coming back here?

 

 

  • Thanks 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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Share on other sites

Yes. It would have defaulted more than 6 years ago. 
 

nothing is showing on my credit file as yet, just a notification to say that the account had been added.

In that case I don’t have anything really to worry about here in that regard as the account already defaulted?

In that case I struggle to see why they are reporting to the credit reference agencies, but ok. 

 

You would be correct in that regard.

I have had some stuff happen that simply took priority over this, and then it was just forgotten about until Coast made contact with their threats of legal action etc.

 

Id have probably paid to my arrangement for the rest of my life and forgotten about it.

The interest is frozen and it was such a nominal amount. 

I take it that is no longer the reccomended first step to send the SAR to welcome since they have now closed?

 Can I still get some help here or so I need to seek elsewhere?

 

thanks

rob

 

Sorry. Just to add. 
 

I haven’t been paying them the contracted amount.

And the interest has been frozen on the account 

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I'm sure that @dx100uk will be along to answer your latest questions. Although it's Sunday and it may not be today.

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ofcourse you can send welcome an sar

let's get the truth on what really happened here.

memories can play tricks esp as this was a consolidation loan, and probably full of all manner of unlawful reclaimable penalty fees and insurances.

 

there are a few threads here regarding coast. use our search top right and go READ THEM, get upto speed.

none as far as I remember went anywhere other than willy waving.

 

read these:

 

https://cse.google.com/cse?cx=partner-pub-8889411648654839:3134625398&q=welcome coast&oq=welcome coast&gs_l=partner-generic.3...4479.8772.0.9118.13.13.0.0.0.0.195.1054.12j1.13.0.gsnos%2Cn%3D13...0.4313j1704049j13...1.34.partner-generic..13.0.0.InoNopg4ABI

 

 

  • Thanks 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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@dx100uk thank you for the link about the SAR. I’ve had a quick scan and it’s very detailed, I will read it properly tonight and write up the request and post it off tomorrow

 

should I be sending that to Coast as well? Or do I just stay as-is with them for now?

 

Ive has a read over a fair few threads on here about Coast/Welcome but I didn’t find any that had a positive result/outcome. Most still seemed to be in discussion. 
 

I will read some more. 
 

one final thing. Is the address correct as found on google for where to send the SAR?

 

or does it need to go to the liquidating company?

 

 

thanks again. 

Edited by bob-k
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welcome are not in liquidation they still exist.

 

I would not go poking Coast until/unless you get a letter of claim or something from one of the numerous fake/tame paperwork only solicitors they use letterheads from.

 

as you've already spotted , which backs up what I said earlier, Coast just willy wave, so threads turn into a discussion because they actually never do anything other than threaten even if they do goto court if you read the Cruz thread (sorry its long) they have little legalwise to backup their claims IF things are defended PROPERLY ...hint hint don't go head in sand.

 

 

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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Ed Boyle and Ben Leith of KPMG LLP and Sarah Rayment of BDO LLP were appointed as Joint Liquidators of Welcome Finance - in Liquidation - on 16 December 2019.

 

http://www.wfs.co.uk/

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

If you want advice on your Topic please PM me a link to your thread

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that’s what I saw earlier when looking for an address to send the SAR too. 

 

I’ll have a read over those threads, sort the SAR and hopefully something comes of it

 

ive already read something about a CCA? That others have sent to Coast, but I’m not sure what this is or if any benefit, so will leave them for now as @dx100uk has said. 

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as far as I am aware and I'll check this but I know someone local to me that sent an sar certainly over the xmas/new year period to welcome and got all their data, theres has been sold to coast too,

 

though he did say he had a letter from coast stating that the charge should have been removed by welcome as coast were prevented from changing it to their name by LR when they tried.

 

sadly as with the OP above, he is busy with the coming lambing too and so will me and the dog..so confirmation of where it came from might be a while...

though again someone here on CAG got theirs from coast (sar)

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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Is it worth me then querying with land registry as to what charges are on the property? And if so is there a correct way to go about it?

 

On the letter I received recently from Coast, it states that the default date is 18/2/15, so will still appears on my credit file which isn’t great, but not too bad. I’d be intrigued to see if that lines up with whatever may come after the SAR to welcome
 

they have also enclosed a copy of the loan agreement for this loan, but not the previous from the roll overs. 
Along with that is a mortgage agreement (or so it seems) however it is not dated on this copy at least which is very odd. 
 

I have the SAR sorted and will post on way to work tomorrow and see what welcome come back with 

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goto the .gov.uk land registry site 

only cots £3

 

make SURE its the .gov.uk site else you'll get scammed +£40.

 

dx

 

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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