Welcome/coast financial

[Ibsys]

Hi There

They Added It Straight To The Loan And Of Course Charging Me Interest Every Month For That.my Interest Rate Is 27.2 Apr.

Many Thanx And Regards

 

£1330 x 27.2% each year. (£361.76 per year) Divide this by 12 to get the monthly interest on the PPI. Add this figure each month to the reclaim untill you get the refund. Check on statutory interes which is an extra 8% per annum, this on top of all costs.

[edwi69]

Many thanx my friend

[edwi69]

Hi All

I Wrote To Welcome Requesting My Cca Under (pre Action Protocols And Part 31.16) And Received A Letter Back Today Saying

 

Having Reviewed Our Records It Appears We Have Yet To Receive The Questionare From You,so We May Complete A Thorough Investigation.

 

As Explained In Our Previous Correspondence,i Have Closed The Complaint Untill Such Time You Provide Me With The Questionare.upon Receipt Of The Aforementioned Correspondence,i Will Investigate And Issue A Final Response In The Timescale Allowed.

 

Anyone Have An Idea What These Muppets Are Talking About

 

HERE IS THE LAST CORRESPONDENCE I HAD

todays reply to welscum cca pictures by edwi69 - Photobucket

Edited January 16, 2010 by edwi69
mis-speling

[mark1arby]

Hi All

I Wrote To Welcome Requesting My Cca Under (pre Action Protocols And Part 31.16) And Received A Letter Back Today Saying

 

Having Reviewed Our Records It Appears We Have Yet To Receive The Questionare From You,so We May Complete A Thorough Investigation.

 

As Explained In Our Previous Correspondence,i Have Close The Complaint Untill Such Time You Provide Me With The Questionare.upon Receipt Of The Aforementioned Correspondence,i Will Investigate And Issue A Final Response In The Timescale Allowed.

 

Anyone Have An Idea What These Muppets Are Talking About

 

HERE IS THE LAST CORRESPONDENCE I HAD

todays reply to welscum cca pictures by edwi69 - Photobucket

 

NO!!! LMFAO!!! T:?:?SSERS!!! POST WILL LOVE THAT!!!

[edwi69]

they are trying anything now i take it:D

[postggj]

We Now Move Up A Gear

Lesson Number Two Welcome

 

Ill Post Up The Next Response To Send These Cretins Later Today

[edwi69]

cheers post

and regards

[postggj]

ime on it now

 

give me half hour

[postggj]

FORMAL REQUEST FOR INFORMATION

CPR part 31.16

Dear Sirs

 

Account number

 

On XXXXX I wrote to your organisation requesting that you supply me a copy of the agreement for my account. My request extended to the full agreement which bore my signature. Additionally I require the underwriting sheets or other documents showing any commission paid

To you by the broker or by you to the broker.

This request extends to all/any data held by welcome elite brokers also

 

I enclose a copy of the letter which was sent should for your information.

 

I enclose a response to that request

 

I note that to date I have received a reply from your organisation that is totally irrelevant to my request, (copy enclosed) nor have I received a copy of the agreement which I requested. In view of the circumstances I do not feel it unreasonable to ask for this document to be disclosed, it is not commercially sensitive nor is it a restricted document and should be easily accessible for an organisation such as yours. Therefore I would ask that you provide me with a copy of the contract which bears my signature; I require the complete document with all its parts.

 

the reasons why I require this information are clearly set out within my original letter dated XXXXX , but for clarity I require this document for the following reasons

 

1.I require this as I have reason to believe that there may be discrepancies within the agreement which may leave it improperly executed

 

2. Because I believe that the Payment protection insurance was not correctly incorporated within the agreement

 

3.because I believe that there was a commission paid in respect of this agreement which has not been disclosed to me and therefore is a breach of agency law

 

 

 

 

 

since this matter is likely to be subject to proceedings and given that your organisation is likely to be a defendant in any action which would be brought by me, I must draw your attention to Civil Procedure Rules part 31.16(3)©&(D) which gives the court the power to order you to disclose theses documents to me.

 

The disclosure of these documents will allow me to consider any claim I may have against your organisation and will allow for the matter to be dealt with possibly without the need for costly litigation. Therefore I again ask that you provide me with the documents which I have previously requested. I don't not consider this request unreasonable and therefore if you fail to comply with my request I will be left no option but to make an application to XXXX County Court for an order made under the provisions of CPR 31.16 ordering you to disclose the documents which I have requested.

 

additionally I will ask the court to make an order for my costs in bringing this application and reserve the right to disclose all communications in this matter before the court should such an application become necessary

 

Please confirm by no later than 4pm on XXXXXXX that you will comply with my request or if you will not comply, please provide your reasons in writing

 

Regards

 

XXXXXXXXXX

Again, you must give the lender a reasonable amount of time to comply

 

simply firing off a application to the court without being reasonable may end up with the court looking on you unfavourably and making an award for costs against you, so it is really important that you act very reasonably

 

 

GIVE IT 21 DAYS OR A SOD OFF LETTER AFTER THIS ONE

THEN ITS A COURT ORDER

 

encose your original request and there reply

 

send recorded delivery

Edited January 16, 2010 by postggj

[edwi69]

Many Thanx For The Letter Post

It Will Be Going Out Monday Recorded Delivery

Regards

[postggj]

no probs

 

its an enforcement order next if they try the brush off again

[edwi69]

Hi Post

Well I Sent The **** The (formal Request For Information Cpr Part 31.16) Letter And Today I Received A Letter Saying

 

Re:-subject Access Request-acount Number -------

 

Thankyou For Your Most Recent Letter Received

 

I Write To Confirm That The Information Requested Was Issued To The Above Address By Recorded Delivery October 2009

 

I Can Also Confirm That We Have Issued All Correspondence That We Hold On Account Number -------.

 

In Your Recent Letter You Have Requested Further Information Such As Commission And Broker Details.as This Is Not The Customers Personal Data We Will Not Be Issuing Those Details.

 

Yours Sincerely

 

What A Bunch Of Muppets

[edwi69]

Also When I Did Get My Sar All I Received Was A Direct Debit Mandate,a Copy Of Land Registry Form And A Loan Staement.

[postggj]

hi edwig

 

they ARE DOING THIS ALL THE TIME NOW TO A CPR 31.16 REQUESTS

 

ENFORCEMENT ORDER NOW ME THINKS

 

IME ON IT

 

JUST SAY THE WORD

[edwi69]

Hi Post

What Does The Enforcement Enatil,is It That I Just Fill The Forms In And The Court Does It Or Is It An Appearance At Court

Regards

[postggj]

Just Fill In A N244 And Send It To The Court

A Judge Then Decides

 

Costs About 80 Quid Which You Will Get Back

 

Ill Do The Poc If You Want With The Help From Pt

[edwi69]

Hi Post

Yeah Stuff Em Now Im Gonna Go For It

It Would Be Great If You Could

Regards

[postggj]

edwi69

 

just putting the next cpr letter together

 

it will mean a wait of two weeks but we mush show the judge we are being fair

 

ill have the letter ready in 20 min

[postggj]

my mistake

 

done that

 

its now court

 

give me half hour

[postggj]

Remind Me

 

Did You Get A True Copy Of Your Agreement Signed By Yourself And Not A Made Up One

 

IS THE LOAN SECURED/UNSECURED

Edited January 23, 2010 by postggj

[postggj]

check back this evening, i need answers to the questions above

 

ime doing a

 

draft order for directions and

 

a witness statement

 

need to get this right

[edwi69]

HI POST

THE LOAN IS A SECURED LOAN

I DIDNT GET A TRUE COPY OF THE SIGNED

AGREEMENT

I ONLY RECEIVED A MADE UP ONE AND THE ONE BELOW IN THE LINK WHICH THEY SAID IS A TRUE COPY BUT DOSENT BEAR ANY SIGNATURES

todays reply to welscum cca pictures by edwi69 - Photobucket

REGARDS EDWI

[postggj]

thats perfect

 

just what i needed

 

check back this evening

[edwi69]

Will Do

Many Thanks

[edwi69]

start your own thread by clicking here . This will enable us to follow your progress and give advise on the way, also acts like a diary for your own referance.