Welcome Finance - This company needs to be banned.

[Sammoz]

I`m still here post

[Prudence]

Hi Post & All

Thanks for your continuing help and am in suspense with all the other caggers to see what transpires. Power to the people!

Should I be sending the template Subject ACcess Request to DG with the £10 fee of is an email sufficient? (Any examples anywhere?) Thanks

[postggj]

Sammoz

 

Welcome Agreements Are Done In Such A Way That You Have To Be A Chartered Accountant To Understand

 

Welcome Have Conned You Big Time

 

Its Complicated So I Need A Few Days But Game Over

 

I Would Call It Fraud

They Would Say Inexperience

 

But I Know These Commission Hungry Muppetts

 

Andie And Stewie

 

Have A Look

 

Game Over Welcome

[postggj]

Prudence

 

The Thing Is Dg/welcome Know We Are Onto Them

 

I Would Use An Sar

They Have To Comply By Law.

I Know Its 40 Days

 

But They Will String You Along And Not Give You All The Data

[andie_303]

Postggj - the one I sent you the other day by PM that we discussed - fresh pair of eyes and found something so small but that means a whole lot - you still go the link - check out the dates

[postggj]

Andie

 

Send Link Again As Pm Box Empty

[Sammoz]

Thanks for taking the time to look at them,had no doubt about them till I came across this brilliant forum so had a look but could`nt understand them at all.What do you suggest I do now then please?

[prudent]

Danukindebt

A bit of a long one that i used below, but welcome bn welcome, i wanted to cover all area. Not sure if it's good enough though.... as i'm quite new to these things....

 

DATA PROTECTION ACT 1998 SUBJECT ACCESS REQUEST

Please supply me with a complete list of transaction and charges relating to my history with your organization, INCLUDING Loans, payment protection insurance and other products. I would be grateful if you would provide the following for all accounts or associated accounts I hold or have held with your organization:

• Full copies of all contracts which you believe exist or have existed between myself and your organization, including true copies of any documents you hold in support of the same.
  

• A complete list of all transactions or statements relating to my entire Loan Accounts with your organization.
  

• Copies of all documents which include any of my personal information including copies of any contacts or invoices, emails or computer records containing my personal information, or any records which pertain to this information.
  

• Full copies or transcripts of any correspondence in postal, email or any other format which you have entered into with any individual, organization or third party which contains my personal or financial information, or which pertains to me.
  

• Where any previous information or records held have been deleted or disposed of, the methods used to do so, including dates, certificates or references confirming details of destruction. Where you are unable to provide such certificates, please provide a declaration, signed by an authorized officer of your company, confirming the dates and methods of destruction of this data.
  

• Full hard copy print outs of my personal or financial information, held in a digital, magnetic or any other format which is held in any archives, backups or other storage devices / locations.
  

Information request should include all data that you hold on me. This includes in particular, but is not limited to, the following:-

 

1. The original signed, executed credit agreement and any terms and conditions that applied to the account at the time of default and at the time the account was opened.

2. Transcriptions of all telephone conversations recorded and any notes made in relation to telephone conversations by your company, or by any previous creditor

3. Where there has been any event in my account history over this period which has required manual intervention by any person, I require disclosure of any indication or notes which have either caused or resulted in that manual intervention, or other evidence of that manual intervention in relation to my account formerly held with ORIGINAL CREDITOR.

4. True copies of any notice of assignment and/or default notice or enforcement notice that you or the original creditor sent me, with a copy of any proof of postage that you hold.

5. Documents relating to any insurance added to the account, including the insurance contract and terms and conditions, date it was added and deleted (if applicable).

6. Details of any collection charges added to the account; specifically, the date it was levied, the amount of the charge, a detailed financial breakdown of how the charge was calculated, and what the charge covers.

7. Specific details of the fees/charges levied by any other agency in respect of this account and a detailed breakdown of said fees/charges and what each charge relates to and on what date said fees/charges were levied.

8. A genuine copy of any notice of fair use of my data as required by the Data Protection Act 1998

9. A list of third party agencies to whom you have disclosed my personal data and a summary of the nature of the information you have disclosed.

10. Copies of statements for the entire duration of the credit agreement.

[postggj]

Just Thinking

 

Will Our Friends In Nottingham Compliance Have The Staff To Deal With All These Mick Mouse Agreements

 

Poor Mr Palmer

 

All Alone

 

No One To Love

[postggj]

Prudent

 

In Clause 5 Include

 

All Details Of Any Insurance Premium Tax

Who It Was Paid To And When

How Much Was Paid To The Underwriter Of Any Policy

How Much Was Paid To Direct Group

 

I Require Computer Screen Shots Of Transfers And Ammounts To Whatever Out Side Company Has Handled My Data In Regards To Any Insurance Product.

[082stewie]

Prudent one is different. There is no PPI at all on this loan. Just the stock standard. But was charged interest on acceptance fee.

 

I would give them hell, the responce clearly states they did NOT charge interest on the acceptance fee, but its clear as flippen day it was done.

 

Stewie

Edited March 17, 2009 by 082stewie

[Prudence]

That was for me Stewie... think you're confusing me with "Prudent"....!!!!

[andie_303]

Just looking at sammoz agreement and just seen something that I think is utterly deplorable - do you see the part where they put in writing we charge interest on interest - are they f**king kidding!!!

[postggj]

Andie

 

I Was Waiting For You To Spot That

 

 

You Are Getting Good At This

 

That Pm

 

Just Goes To Show Welcome Are Making Up These Documents Before Sending Out The Sar

 

Dynamite

 

Go Et Em

[082stewie]

That was for me Stewie... think you're confusing me with "Prudent"....!!!!

 

GRIN!!! I need a ciggy and sleepies! Yup I fixed it.

[Prudence]

Re sending SAR to DG - would this template do?

 

 

Data Protection Act 1998

 

Subject Access Request

 

Dear Sir/Madam

 

ACCOUNT NUMBER:

 

Please supply me with all data that you hold on me. This includes in particular, but is not limited to, the following:-

 

1. Full copies or transcripts of any correspondence in postal, email or any other format which you have entered into with any individual, organization or third party which contains my personal or financial, or which pertains to me, including correspondence to the underwriter of any insurance policies and details of the relevant Insurance Premium Tax (IPT) payable on any single premium policies. Please ensure this includes how much tax was payable, who payment was made to and the date of this payment.

 

2. Transcriptions of all telephone conversations recorded and any notes made in relation to telephone conversations by your company.

 

3. Where there has been any event in my account history over this period which has required manual intervention by any person, I require disclosure of any indication or notes which have either caused or resulted in that manual intervention.

 

4. True copies of any notice that you have sent me, with a copy of any proof of postage that you hold.

 

5. Documents relating to any insurance added to the account, including the insurance contract and terms and conditions, date it was added and deleted (if applicable).

 

6. Details of any collection charges added to the account; specifically, the date it was levied, the amount of the charge, a detailed financial breakdown of how the charge was calculated, and what the charge covers.

 

7. Specific details of the fees/charges levied by any other agency in respect of this account and a detailed breakdown of said fees/charges and what each charge relates to and on what date said fees/charges were levied.

 

8. A genuine copy of any notice of fair use of my data as required by the Data Protection Act 1998

 

9. A list of third party agencies to whom you have disclosed my personal data and a summary of the nature of the information you have disclosed.

 

10. Copies of statements for the entire duration of the credit agreement.

 

I enclose the statutory maximum fee of £10. You have 40 days in which to comply.

 

If there is specific information which you require in order to satisfy yourself as to my identity, please let me know by return. However, please note that the above address is the one which you normally use to communicate my private business to me and which you have hitherto found to be acceptable.

 

Yours faithfully,

[postggj]

Bang On Prudence

[Sammoz]

Thanks for looking at it andie and post. I don`t understand any of it and been looking at it for days.

[andie_303]

Andie

 

I Was Waiting For You To Spot That

 

 

You Are Getting Good At This

 

That Pm

 

Just Goes To Show Welcome Are Making Up These Documents Before Sending Out The Sar

 

Dynamite

 

Go Et Em

 

OP is reporting to the police - a little bit of fraud goes a long way to bringing them down

[postggj]

Sammoz

 

You Just Have To Know How A Welcome Commission Minded Muppett Works

[082stewie]

I recon tomorrow will be a very special day for Cattles/Welcome.

 

Along with some investor boards I read, I back a theory that tomorrow Cattles share price will be below 1p a share loosing over 60% of its already pathetic value. Bringing the company market cap to under 5 Million.

 

After that its all over.

[postggj]

The Whole Operation Is Corrupt

But Not For Long

[andie_303]

Re sending SAR to DG - would this template do?

 

 

Data Protection Act 1998

 

Subject Access Request

 

Dear Sir/Madam

 

ACCOUNT NUMBER:

 

Please supply me with all data that you hold on me. This includes in particular, but is not limited to, the following:-

 

1. Full copies or transcripts of any correspondence in postal, email or any other format which you have entered into with any individual, organization or third party which contains my personal or financial, or which pertains to me, including correspondence to the underwriter of any insurance policies and details of the relevant Insurance Premium Tax (IPT) payable on any single premium policies. Please ensure this includes how much tax was payable, who payment was made to and the date of this payment.

 

2. Transcriptions of all telephone conversations recorded and any notes made in relation to telephone conversations by your company.

 

3. Where there has been any event in my account history over this period which has required manual intervention by any person, I require disclosure of any indication or notes which have either caused or resulted in that manual intervention.

 

4. True copies of any notice that you have sent me, with a copy of any proof of postage that you hold.

 

5. Documents relating to any insurance added to the account, including the insurance contract and terms and conditions, date it was added and deleted (if applicable).

 

6. Details of any collection charges added to the account; specifically, the date it was levied, the amount of the charge, a detailed financial breakdown of how the charge was calculated, and what the charge covers.

 

7. Specific details of the fees/charges levied by any other agency in respect of this account and a detailed breakdown of said fees/charges and what each charge relates to and on what date said fees/charges were levied.

 

8. A genuine copy of any notice of fair use of my data as required by the Data Protection Act 1998

 

9. A list of third party agencies to whom you have disclosed my personal data and a summary of the nature of the information you have disclosed.

 

10. Copies of statements for the entire duration of the credit agreement.

 

I enclose the statutory maximum fee of £10. You have 40 days in which to comply.

 

If there is specific information which you require in order to satisfy yourself as to my identity, please let me know by return. However, please note that the above address is the one which you normally use to communicate my private business to me and which you have hitherto found to be acceptable.

 

Yours faithfully,

 

 

perhaps we need to insert something about any monies DG recieved for this policy and the amounts paid and by whom?

[postggj]

Stewie

 

Its Only A Few Banks Stopping The Short Trader Doing The Job

 

I Was Waiting For Them To Realise Its A Lost Cause

 

Wasting All That Tax Payers Money

 

Realy

[andie_303]

Sammoz

 

You Just Have To Know How A Welcome Commission Minded Muppett Works

 

I see the clever stacking at play