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I have applied for a secured loan with Welcome (I know, I know but i'm desperate and my credit score is pretty awful!) I have received my final pack but there is a form in there for Authority to Contact Employer. Now i'm really not comfortable with Welcome contacting my boss, will they decline my application if I do not complete this form?

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Hello,

 

We have a loan with Welcome. They did contact my employer, but all they wanted to know was that I was employed by them. They did not state who they were, just that 'we would like to know if Mr X works here please'.

 

I was lucky as I was able to monitor the call (we have 3 lines in my office) and I was expecting them to phone, and I was a bit nervous with what they were going to ask, but it all seemed alright, they did not mention what company they were calling from.

 

I hope this helps.

 

Best regards

 

David

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Hello,

 

They won't tell anyone about your finances, they can't do that. They will probably contact your mortgage company as this is a second charge and the mortgage company has first charge. Again they won't give all, just to confirm that they are the mortgage company, but as I said, the loan is a 2nd charge, so the mortgage company could say yes or no in the loan.

 

Hope this helps.

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  • 6 months later...

Hi

 

I recently applied for car finance and was "accepted" by Netcars. I found a car I liked and paid the £99 admin fee (which wasn't included on their website, the sales person just dropped this bombshell on me at the last minute), now I think they're buggering me about.

 

No loan docs ever turned up at my house, after days of badgering I finally got them emailed to me. Now nothing is happening, i've left messages and numerous emails to the sales person who finally got back to me today saying the lender is worried about me being able to afford the repayments :|

 

Can I just tell them to shove it and demand my £99 back?

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  • 1 year later...
  • 1 year later...

Hi, has anyone had any success in claiming back charges/late payment fees/arrears fees from Welcome?

 

I have a secured loan with them and I suspect they owe me quite a sum in charges/fees so I want to claim it all back. Also, can I start the ball rolling with the usual template letters?

 

Thanks in advance.

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It may be worth you sending a CCA request and Subject access requestlink3.giflink3.giflink8.gif to have a look a what Welcome have been doing to your account.

CCA should be returned to you within 14 days and Subject access requestlink3.giflink3.giflink8.gif can take up to 40 days. (included in the Subject access requestlink3.giflink8.gif should be all info regarding your account including statements which should tell you the information you require regarding charges etc).

The CCA will cost £ 1 (postal order) send recorded delivery.

The Subject access requestlink3.giflink8.gif will cost £ 10 (postal order) send recorded delivery.

When sending these requests do not signlink3.giflink3.giflink8.gif your name just print.

 

Letter templates below.

http://www.consumerforums.com/resour...request-letter

 

http://www.consumerforums.com/resour...est-debt-a-dca

 

Once you recieve your documents post them up on your thread and the more experienced on here will lend a hand.

 

Send to..

Welcome Finance Compliance Services Mere Way Ruddington Nottingham NG11 6NZ

user_online.gifreputation.gif

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I claimed back all the late payment/telephone/letter charges following a subject access request they returned them to the account with no problem after a letter

I am a consumer just like you, please get a second opinion or investigate yourself on anything I advise as I am in no way legally trained. Everything I know has come from the Mighty CAG and fellow CAGGERS. :cool:

 

If I have helped in any way please click my reputation star and make a donation to CAG to enable us all to continue to help each other :cool:

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Hi Beyondhope

 

I am trying to see if I can claim back all my charges too, can you tell me what you did to get them to do this as I am interested in this.

 

I rung Welcome today and they said that unless I was paying over the monthly payment I was not elegible for these to be returned to me.

 

Please help as it sums up quite considerably. Did you also claim back the interest they charged you?

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Hi Beyondhope

 

I am trying to see if I can claim back all my charges too, can you tell me what you did to get them to do this as I am interested in this.

 

I rung Welcome today and they said that unless I was paying over the monthly payment I was not elegible for these to be returned to me.

 

Please help as it sums up quite considerably. Did you also claim back the interest they charged you?

 

Hi blue

 

as i hadnt paid for these charges they were just returned to the account so no i didnt mess about with interest but you can do if they have been paid you can claim 8% from the date they were paid until the date they are returned I believe. I just sent them a letter my loan thread is here if you would like to have a read through

I am a consumer just like you, please get a second opinion or investigate yourself on anything I advise as I am in no way legally trained. Everything I know has come from the Mighty CAG and fellow CAGGERS. :cool:

 

If I have helped in any way please click my reputation star and make a donation to CAG to enable us all to continue to help each other :cool:

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