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    • Just a typo change that I'd make for the last line. Maybe also add something that says "I assume you will be fully aware that you cannot rely on a clause of a contract that you do not produce."
    • Hello, Firstly, and most importantly I am sorry for your loss. I would go back to the bank with the death certificate and ask them to step in. Remind them firmly but politely that there is no limit for DD claims   Please let us know how you get on.
    • My wife is the named person to his bank account with him having Dementia being his daughter (I say named person she still is but he recently passed away and the deputyship application has now being stopped by the solicitor as it's no longer needed) We've only just got the Death Certificate so the bank will be the next step informing them. She went to the bank and explained the situation but even being his named person the bank said she didn't have the power to stop DD without any legal documents (virgin money) was the bank. She could have copies of bank statements that was about it.
    • I see you said you tried to stop the DD but it seems that didn't work. May I please ask why that didn't work? You should be asking your bank to cancel the DD and I don't see why they would have objected, hopefully you can clarify this. I agree that you should be making a claim here against your bank and ask them for a DD refund. There is no timeframes for this.
    • Thanks DX,   I wasn't aware we could do that for that length of time. I'll ask my wife to check with the bank this week
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Welcome/coast financial


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Hi post

local manager just turned up at my door and said why wont you pay so told him because my acc is in dispute due to non cca and he said compliance dont hold that we do at the local branch,i will get it in the post to you and we will call you on monday to discuss it.

surely compliance would hold a copy of my cca if they had it wouldnt they.

regards

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More Bs From Welcome Again

 

Agreements Are Held On A Z Drive At Compliance In Notingham

 

The Local Office Might, And I Mean Might Have A Copy But I Doubt It

 

Dont Be Surprised If They Now Send You A Reconstructed Agreement And Try To Say They Have Complied With Your Cca Request

 

Cretins

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hi post

the same as what compliance done then,

also he said are you using a company to do this or are you doing it yourself so i said myself just to see if they send me my cca but if they do it will probably be naughty as they havent complied yet.

 

what do you think post

 

regards

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Hi All

Letter Received From Welcome Yesterday Saying

 

Thankyou For You Letter Of 16th November 2009 Regarding Your Recent Complaint- Missold Ppi And Non Cca

 

The Issues You Have Raised Are Still Under Investigation And We Hope To Have A Final Response Sent To You In Due Course.i Would Like To Take This Opportunity To Thank You For Your Patience In This Matter.

 

Your Sincerely

 

Customer Complaints Department

 

So Wheres My Cca Then

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they send me a letter telling me they cant supply my cca

then say they have got it and will print it off and send it

i just dont think they have it or it is a very bad cca and they dont want to show it

good luck to you also leelakey07

 

local branch manager said that cca would be here before Saturday 1st class recorded delivery so they could phone me on Monday and discuss where to go from there.

 

i have now switched off from them as realised it was almost my payment date when he called suprise suprise.

 

anyway postg good luck with the op and hope your ok over Christmas

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hi post

i think compliance already tried the reconstructed one when they said we should provide you with a copy of your cca but cant at this time.

i have included the link to them on photobucket

could you look at it when you get a chance and let me know if thats what it is.

regards edwi

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The CCA 1974 rules all loans regardless of who the lender is, that is loans originally under £25000.

 

You said Welcome Finance said "your loan is not covered by the CCA as it was for Financial Institutions only". This is not true.

 

They have to abide by the rulles as well.

 

After 30 days, they cannot enforce the loan anyway.

The agreement should have all the prescribed terms in it and the s77 request means all documents connected with the agreements also.

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hi post

dont know when you are back but as i said i will let you know when i hear anything and yes you was right they dont have my agreement.

 

i have put below todays events and hope you are comfortable.

 

i have just phoned compliance and told them to remove my telephone number from their systems because i am sick and tired of the local branch calling and being mouthy

 

i asked where my cca was he said it will be your local branch that gives you that

i said funny that he just told me only compliance can do that.

 

he said well i will phone him after this conversation.

 

he said we cannot locate your true cca thats why we sent you a reconstituted one.

 

i said you will need a true one to enforce it in court,

he said we can prove you had the money.

 

the thing is im not disputing i had any money but what i am disputing in the discrepancies ie interest and mis sold pPI ECT.

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