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    • I disagree with the charge and also the statements sent. Firstly I have not received any correspondence from DVLA especially a statutory notice dated 2/5/2024 or a notice 16/5/2024 voiding my licence if I had I would have responded within this timeframe. The only letter received was the single justice procedure notice dated the 29.5.2024 this was received on 4.6.2024. I also disagree with the statement that tax was dishonoured through invalid indemnity claim. I disagree that the licence be voided I purchased the vehicle in Jan 2024 from RDA car sales Pontefract with agreement to collect the car on the 28.1.2024. The garage taxed the vehicle on the 25.1.24 for eleven payments on direct debit  using my debit card on my behalf. £62.18 was the initial payment on 8.2.24  and £31 per month thereafter the second payment was 1.3.24.This would run from Jan 24 to Dec 24 and a total of £372.75, therefore the car was clearly taxed before  I took the car away After checking one of my vehicle apps  I could see the vehicle was showing as untaxed it later transpired that DVLA had cancelled my tax , without reason and I did not receive any correspondence from DVLA to state why it was cancelled or when. The original payment of £62.18 had gone through and verified by my bank Lloyds so this payment was not declined. I then set up the direct debit again straight away at my local post office branch on 15.2.2024 the first payment was £31 on 1.3.2024 and subsequent payments up to Feb 2025 with a total of £372.75 which was the same total as the original DD that was set up in Jan, Therefore I claimed the £62.18 back from my bank as an indemnity claim as this payment was from the original cancelled tax from DVLA and had been cancelled . I have checked my bank account at Lloyds and every payment since Jan 24  up to date has been taken with none rejected as follows: 8.2.24 - £62.15 1.3.24 - £31.09 2.4.24 - £31.06 1.5.24 - £31.06 3.6.23-£31.06 I have paper copies of the original DD set up conformation plus a breakdown of payments per month , and a paper copy of the second DD setup with breakdown of payments plus a receipt from the post office.I can also provide bank statements showing each payment to DVLA I also ask that my licence be reinstated due to the above  
    • You know hes had it when they call out those willing to say anything even claiming tories have reduced taxes on live tv AS Salmonella says: The Conservative Party must embrace Nigel Farage to “unite the right”, Suella Braverman has urged, following a disastrous few days for Rishi Sunak. The former home secretary told The Times there was “not much difference” between the new Reform UK leader’s policies and those of the Tories, as senior Conservatives start debating the future of the party. hers.   AND Goves replacement gets caught booking in an airbnb to claim he lives locally .. as of yesterday you can rent it yourself in late July - as he'll either be gone or claiming taxpayer funded expenses for a house Alongside pictures of himself entering a house, Mr McGuinness said Surrey Heath residents “rightly expect their MP to be a part of their community”. - So whens farage getting around to renting (and subletting) a clacton beach hut?   Gove’s replacement caught out on constituency house claim as home found on Airbnb WWW.INDEPENDENT.CO.UK Social media users quickly pointed out house Ed McGuinness had posted photos in was available to rent     As Douglas Ross says he'll stand down in scotland - if he wins a Westminster seat - such devotion.
    • I've completed a draft copy to defend and will post up here for review.  Looking over the dates and payments this all stemmed from DVLA cancelling in Feb , whereby I set up a new DD in Feb hence the overlap, why they cancelled when I paid originally in Jan I have no idea. Anyway now stuck with pending court action and a suspended licence . I am also firing off a letter to DVLa recorded disputing the licence revoke
    • Thank you both for your expert knowledge and understanding. You're fighting the good fight by standing up for people like me and others with limited knowledge of this stuff. I thank you. I know all my DVLA details are good. I recently (last year) renewed my license, and my car's V5 is current with the correct details; the same is valid for my partner. I'll continue to ignore the love letters 😂 and won't let it bother either me or my partner.  I'll revisit this post if/when I get a letter of claim.  F**k ém.
    • Please check back later on today for a fuller response and some edits
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Welcome Finance - This company needs to be banned.


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Hi post - didn't realise you worked for them, however your explanation of how a 12 month loan turns in to 60 month mirrors my situation. They must have seen me coming. Never mind after a Cohens strike out guess I have had last laugh. Funny thing is I wanted to pay them at a rate I could afford, only looked for Cag help when they wouldn't listen.

 

I take it your pension is not tied up on those cattle shares??

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Hi post - didn't realise you worked for them, however your explanation of how a 12 month loan turns in to 60 month mirrors my situation. They must have seen me coming. Never mind after a Cohens strike out guess I have had last laugh. Funny thing is I wanted to pay them at a rate I could afford, only looked for Cag help when they wouldn't listen.

 

I take it your pension is not tied up on those cattle shares??

 

KNOCKED BACK ON THAT ONE

 

HOW DO I REPLY

 

 

ILL LEAVE IT

 

CAGBOOT WILL GO INTO OVERDRIVE

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My OH and myself are a bit confused about the HP loan taken out on a car.

 

The letter my OH received from Welcome says he owes 14k but on his experian report it says 10k so how much does he owe?

 

I know it's the 14k but why are they then lying to the cra?

 

I don't get it, can anyone shed any light on this and what if anything should he do?

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Hi all,

 

Just a quick update on things.

 

I have not had the guts and Bo**ocks to start this fight with welcome evn tho i know what they have done is VERY wrong.

 

So....... I was at work on Thursday 13th August and i recieve a voicemail message from welcome asking me to give them a call ??????? Upto this point i have been with them for 6-7 years and never ever missed a payment etc a model customer they called me LMFAO.

 

Anyways when i ring them back to see what they wanted it was to offer me a SUBSTANTIAL saving on my loan account. "We can see from our records that you have never missed a payment and with our interest rate being soooooo high we would like to make you a offer" ??? "You have another 28 payments left of £325 which works out at over 9k" (I'm amazed they managed to calculate that one correctly) "We would like to offer you the chance to reduce your loan acount with an early settlement figure" ???? Since using welcome 6-7 years ago my credit rating has gone through the roof and i generally don't get turned down for anything i apply for now days. ANYWAYS they would like me with my uprated credit status to apply to my high street bank for a loan and they would accept a settlement figure of 5k "SAVING ME A MASSIVE 4k" !!!!! WOW what a saving i thought (NOT).

 

So guys it looks like they are trying to grab in every penny they can !!

 

Would anyone like to advise me on what to do ??

 

MANY MANY THANKS

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personally id be tempted to say no..see how much further you can knock them down...

 

..think the suggestions on here is to offer them 10p in the pound!!!

ANYBODY WHO NEEDS INFO ON YOUR LEHMANS MORTGAGE

either SPML/PML/LMC/SPPL; the following are DIRECT tel#s,

of the investigating & prosecuting organisations: DONOT say you are from CAG-only directly affected or a concerned citizen.

 

1. Companies House: Kevin Hughes(Compliance Manager-main) @ 02920 380 633

2. CH : Lee Jenkins(prosecuting Amany Attia(MD) for SPML/PML) @ 02920 380 643

3. CH : Mark Youde(accounts compliance) @ 02920 380 955

 

4. Companies Investigation Branch(CIB) : Charlotte Allan @ 0207 596 6108

(part of the Insolvency Service) investigating all the Lehman lenders

 

5. CIB : Jeremy Pilcher('unofficial'-consumer/company lawyer) : @ 0207 637 6231

__________________

File YOUR 'Companies Investigation Branch'- CIB complaint online NOW!!!!

 

http://www.insolvency.gov.uk/complaintformcib.htm

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Can anyone answer my previous post please?

 

What can OH do regarding welcome telling him one amount and experian about 4k less?

 

Could he hold them to the amount they are telling experian do you think or will they just say it's a mistake? Probably eh.

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Hi I'm not sure if I am posting in the correct place but can anyone give me some advice? I have a secured loan with Welcome approx £17000 still owed. Tey have been a nightmare from start to finish (long story that I wont go into at this time!!) But they have never given me any copies of the original, agreement that I signed (I have asked a number of times for them to provide them). I suspect that they don't have anything signed by me. So my question is, am I within my rights to insist they provide copies? If they don't or cannot provide "proof" that I took out the loan am I able to contest the loan? Or am I being stupid?? Any assistance greatly received!

 

Many thanks

 

Bywaysandhighways

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Hi everyone,

 

I had a shock this morning when I opened my post.....:eek:

 

I had a letter from the DCU branch in Sutton, Surrey.

 

Some of you might remember but I have been asking WF for many months to let me have in writing that they would freeze all interest and other charges now that I am on a reduced monthly amount.

 

I sent them a CCCS income and expenditure statement at that time.

 

Their letter was headed WITHOUT PREJUDICE and said as follows:

 

Dear Voda,

 

Re: Account: xxxxxxx

 

We are pleased to confirm acceptance of the following arrangement:

 

Amount Payable Monthly : £xx.xx

Payments Due : 15th, commencing August 2009

Payment Method : Cheque

 

This arrangement will be reviewed quarterly and is subject to an up to date income and expenditure statement, as discussed during our telephone conversation on July xxth.

 

We can confirm that interest and charges are now frozen on the above numbered account, subject to quarterly review and receipt of your income and expenditure statement.

 

 

Yours sincerely,

 

 

LCU Branch Manager

 

I see that they headed the letter Without Prejudice in case this ever went to court.

 

H 'mmmmmmmmmmm :(

 

Finally the letter was dated the 3rd of August and I only received it this morning, the 17th !!!

 

A payment was due two day's ago.....:rolleyes:

 

I will call them and ask if they need any stamps ....;)

 

Have a nice day ....:smile:

 

Voda

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hi new welcome fighter

 

send a cca request for the agreement

if they dont reply with in 14 days you can legally with hold payment

 

may i sugest starting your own thread, you will get more help that way

 

Hi Postggj, I have already sent sar and cca its been more than 14 days I got a letter from them today aknowledging my sarn request and that it is being processed and thamking me for the Eleven pound payment. Nothing regarding cca which is now overdue. The Cca is not even mentioned in the letter. Is this not a breach on their part? What do I do next.

 

Also I wanted to thank everyone on here for teaching me so much. A handful of you are brilliant? ~( you know who you are !)

 

Thanks:idea:

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oh someone had their idiotic hat on when they send me a letter over the weekend trying to think they scare me with their idiotic threats disguised as legal jargon - get a life...............oh and get looking for a new job!

 

Seriously!!!

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Hi everyone,

 

I had a shock this morning when I opened my post.....:eek:

 

I had a letter from the DCU branch in Sutton, Surrey.

 

Some of you might remember but I have been asking WF for many months to let me have in writing that they would freeze all interest and other charges now that I am on a reduced monthly amount.

 

I sent them a CCCS income and expenditure statement at that time.

 

Their letter was headed WITHOUT PREJUDICE and said as follows:

 

Dear Voda,

 

Re: Account: xxxxxxx

 

We are pleased to confirm acceptance of the following arrangement:

 

Amount Payable Monthly : £xx.xx

Payments Due : 15th, commencing August 2009

Payment Method : Cheque

 

This arrangement will be reviewed quarterly and is subject to an up to date income and expenditure statement, as discussed during our telephone conversation on July xxth.

 

We can confirm that interest and charges are now frozen on the above numbered account, subject to quarterly review and receipt of your income and expenditure statement.

 

 

Yours sincerely,

 

 

LCU Branch Manager

 

I see that they headed the letter Without Prejudice in case this ever went to court.

 

H 'mmmmmmmmmmm :(

 

Finally the letter was dated the 3rd of August and I only received it this morning, the 17th !!!

 

A payment was due two day's ago.....:rolleyes:

 

I will call them and ask if they need any stamps ....;)

 

Have a nice day ....:smile:

 

Voda

 

 

FINALLY!!! lol - persistance pays though well done.

 

I would however write back

 

Dear Idiots

 

Whilst I will be accpeting your offer please note that it smacks of desperation and please do not try to call me mid month to ask me to pay early or via debit card as my response is very likely to offend.

 

 

Of course with the heading in big bold letters WITHOUT PREJUDICE lol :D

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Not sure if anything is going on at my local WF branch, but passed it today on the way home, and the office looks as if it has been abandoned, with large storage boxes, bag all pile high in the windows!!

 

A sign of things to come perhaps!

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1984

 

Do Nothing

 

Welcome Are Stuffed With No Cca

They Can Do Sfa

 

Shame

 

Is there any way I can Confirm that they have aknowledged / received the CCA though. I sent them in two seperate envelopes Each containing postal orders. But in the response I have received they thank me for the eleven pounds! This means that they have aknowledged both right...... ? (Sar = £10 + Cca = £1.

 

If they don't have Cca then are they not obliged to tell me this within a set period? Cos if they dont have it then there must be a way I can have the default removed and my files ammended?

 

Also ,I'd love to know why the amount they say I owe is different to what is on my credit file with experian??? WTF! I'd also like to find out why they have a payment showing as paid on the Ac earlier this year that I never made???

 

I'd love some help, Ive been 'beaten up' by them for a long time and I really want them to get what they deserve (let alone a nights sleep without having to worry about getting out of this hole.

 

THANK YOU ALL.

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Ok Dodge

Ill Be Brief

Welcome Have In Total 14 Days To Send You Your Cca

 

In Law, The Amount Of Time A Creditor Has To Respond And Have Delt With A Complaint Is Eight Weeks Then You Can Escalate It To The Fos

 

As Said Before

 

You Need To Send Welcome An Sar To Get The True Picture On How They Are Conning You

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