Welcome/coast financial

[postggj]

will do

 

thanks

[Ibsys]

"Failure by a lender to observe strictly, the intricate requirements of the Act can lead to a loan being completely unenforceable with no right of restitution or other form of relief"

 

- Lord Justice Clarke, 2002

[edwi69]

Heres Wishing You All A Happy Christmas

And A

Happy New Year

[edwi69]

hi post

just a quick one to let you know i have received a letter today from welcome with what they are saying is a copy my cca but not the original as they cant locate it so this is unsigned.

 

got to pop out this morning so as soon as i get back i will photobucket it up if they cant locate the original where are they get the info to put on this one.it is also a little bit different from the reconstituted one they sent me.

regards edwi69

Edited January 2, 2010 by edwi69

[postggj]

you still about edwig

[edwi69]

hi post

they also wrote in the letter,please note that since you signed your original agreement there has been an amendment to your interest rate.

 

i have arranged for a copy of this letter to be sent to you separately

[edwi69]

Yeah Just For A Moment Post

[postggj]

pure crap

 

ill do a perfect response

 

just putting kettle on

 

they cant try that trick with me

[edwi69]

Hi Post

Now Off Out But Will Upload As Soon As I Get Back

You Are A Star

Regards Edwi

[postggj]

THIS IS NOW THE ONLY WAY TO FORCE WELCOME TO RELEASE A TRUE COPY OF THE AGREEMENT

 

HOPE YOU DONT MIND BUT I PUT THE INSURANCE BIT IN

 

 

Dear Sirs

 

Account number

 

I write with regards to the above account with your organisation.

 

As you are aware on xyz, i made a request for a TRUE COPY of my agreement and executed by my SIGNATURE.

 

Even though your reply on xyz does comply with my request under the regulations, its is not a true copy. because of this i am now making a fresh request for a copy of the following information.

 

I respectfully request that you provide me by return a copy of the credit agreement which bears my signature. I require this as i have reason to believe that there may be discrepancies within the agreement which may leave it improperly executed .Additionally i require the underwriting sheet or any other document showing any commissions paid to you by the broker or by you to the broker

 

I require the underwriting sheets as i believe undisclosed commission payments were added to my account.

 

This request is valid for any previouse agreements i have had with welcome financial services and any link with direct group who provide these insurance products.

 

This request applies to all and any information relating to WELCOME ELITE BROKERS,

 

Obviously if the agreement is improperly executed i would be entitled to ask the court to consider the agreement and make a declaration of the rights of parties to the agreement.

 

I must stress this request is NOT made pursuant to section 78 Consumer Credit Act 1974 but is made pursuant to the Civil Procedure Rules ( Pre action protocols and Part 31.16) and therefore unsigned copy will not suffice, only a copy of the original contract in its unaltered form will suffice in these circumstances

 

Please confirm if you still hold a copy of my signed agreement and that you will provide me with this document.

 

I do not view this as an unreasonable request given that by supplying the document which i have asked for it will allow me to assess if my case has merit and will help to resolve matters possibly without the need to involve the court and will undoubtedly save costs on both sides

 

I look forward to your reply and wouyld ask for a response by 4pm on XXXX Date ( Give 21 days to respond)

 

 

Regards

 

 

 

xxxxxxxxxxx

 

 

 

 

bit of useless info

 

as well as welcome charging you commission for selling you the insurance, direct group provide the policy to welcome in all but name, virtual agreements as such, not realy there.

 

say welcome shaft you £1500 for a ppi policy, 50 % of that, thats £750 is pure profit for welcome, then welcome add on commission for selling the insurance

 

direct group sell the policy to welcome for pennies in the pound

 

it realy does stink

 

 

let me know on the letter edwig

 

its now the only way ime afraid

[mark1arby]

Quick one post. Where do Aviva/ Norwich Union come in tothis "Unholy Trinity"?

 

Cheers, MARK

[postggj]

well they are supposed to be the underwriters but contact aviva and they will never have heard of you

 

i have always believed there is no insurance in place as such

 

its direct group and welcome doing it all in house

 

ask yourself why when making a claim its welcome who always send out the claim form, not Aviva or direct group and why is it always welcome in 99.9999 % of the time reject the claim with no appeal

[ozzywizard]

It would be interesting to actually find somone out there( i know needle in a haystack) who has had a sucessfull claim on the insurance to then do a SAR and see who paid it onto the account.

[postggj]

I Can Tell You That

 

Welcome Paid The Premiums

 

Not Norwich Union

Not Direct Group

[ozzywizard]

Well I think that answers our question dont it Post, wouldnt it be fun to see them in court being asked for this info lol. I doubt they would ever let it get there. . .

[postggj]

Its Been In Court Three Times

Ime Very Good At Wording My Requests Now So They Cant Dodge

 

In Each Case The Judge Has Ordered A Disclosure Notice Along With The Mif Con

 

Welcome Just Pull Out

 

These Are Secured Loans We Are Talking About

 

Thousends, Up In Smoke

 

How I Love It

 

Ime Still Watching My Back For The Hit Men

[ozzywizard]

I hope one day to get my chance

[edwi69]

HI POST

HERE IS THE LINK FOR TODAYS LETTER AND CCA

todays reply to welscum cca pictures by edwi69 - Photobucket

REGARDS

EDWI 69

[edwi69]

Just Gonna Make A Cuppa

[postggj]

You Realy Want Me To Comment On That Crap

A True Copy With Out Your Signature

 

Where Then Did They Get The Data To Do A True Copy

 

Why Not The Original

 

Send That Letter By Recorded On Post 109

 

enclose A Copy Of That Piece Of Garbage And Write All Over It

 

You Have Not Satisfied My S.77 To S. 79 Request Under The Cca 1974 And This Account Is Still In dispute

 

 

TELL HIM YOU REJECT HIS FINAL RESPONSE

Cretin

[edwi69]

Hi Post

I Will Be Sending That Letter On Monday And Thankyou For The Letter,but I Think The Same Where Are They Getting That Crap From If They Cant Send Me A Copy Of My Original Cca

Regards

[postggj]

They Dont Have A Copy Of Your Agreement:D:D

[brassed-off-2]

THIS IS NOW THE ONLY WAY TO FORCE WELCOME TO RELEASE A TRUE COPY OF THE AGREEMENT

 

HOPE YOU DONT MIND BUT I PUT THE INSURANCE BIT IN

 

 

Dear Sirs

 

Account number

 

I write with regards to the above account with your organisation.

 

As you are aware on xyz, i made a request for a TRUE COPY of my agreement and executed by my SIGNATURE.

 

Even though your reply on xyz does comply with my request under the regulations, its is not a true copy. because of this i am now making a fresh request for a copy of the following information.

 

I respectfully request that you provide me by return a copy of the credit agreement which bears my signature. I require this as i have reason to believe that there may be discrepancies within the agreement which may leave it improperly executed .Additionally i require the underwriting sheet or any other document showing any commissions paid to you by the broker or by you to the broker

 

I require the underwriting sheets as i believe undisclosed commission payments were added to my account.

 

This request is valid for any previouse agreements i have had with welcome financial services and any link with direct group who provide these insurance products.

 

This request applies to all and any information relating to WELCOME ELITE BROKERS,

 

Obviously if the agreement is improperly executed i would be entitled to ask the court to consider the agreement and make a declaration of the rights of parties to the agreement.

 

I must stress this request is NOT made pursuant to section 78 Consumer Credit Act 1974 but is made pursuant to the Civil Procedure Rules ( Pre action protocols and Part 31.16) and therefore unsigned copy will not suffice, only a copy of the original contract in its unaltered form will suffice in these circumstances

 

Please confirm if you still hold a copy of my signed agreement and that you will provide me with this document.

 

I do not view this as an unreasonable request given that by supplying the document which i have asked for it will allow me to assess if my case has merit and will help to resolve matters possibly without the need to involve the court and will undoubtedly save costs on both sides

 

I look forward to your reply and wouyld ask for a response by 4pm on XXXX Date ( Give 21 days to respond)

 

 

Regards

 

 

 

xxxxxxxxxxx

 

 

 

 

bit of useless info

 

as well as welcome charging you commission for selling you the insurance, direct group provide the policy to welcome in all but name, virtual agreements as such, not realy there.

 

say welcome shaft you £1500 for a ppi policy, 50 % of that, thats £750 is pure profit for welcome, then welcome add on commission for selling the insurance

 

direct group sell the policy to welcome for pennies in the pound

 

it realy does stink

 

 

let me know on the letter edwig

 

its now the only way ime afraid

 

sorry to hijack ed....

 

question for Post- re the useless info;)

In my pending correspondance to the fos, regarding the ppi settlement offer, is there any written evidence at all that i can quote the useless info about welcome elite/direct/welcome et al. Anything to strengthen my cases and bring it to a speedy end will help, this is just my opinion

 

cheers

b02

 

Same goes for the mif too!!

[postggj]

Bo2

 

I Have A Full Library On Elite Brokers

 

When Are You Sending To The Fos

 

Ill Put Some Thing Together For You To Cut And Paste If You Want

 

I Have Welcome Elite Brokers Docs, The Lot

 

Its Hush Hush So It Goes To No Outsider As Its Subject To Court Action

[brassed-off-2]

thanks Post, sending everything on Monday, have spent the last few days, scanning other docs not already scanned, ready for printing.

 

For all complaints, ppi / mif / settlement penalty fees / acceptance fees and other charges etc..the lists are endless...

 

. my only concern is...if they tell welcome to do the right thing, put us back to where we would be if they hadnt have fleeced us..

.where will i stand with the current loan, that they have sent 6 copies of, unsigned by them.

..not sure on how to play this one??