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Welcome Finance - This company needs to be banned.


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Hi all

 

Apparently in a recent report/survey by OFT about regulation of finance industry, irresponsible lending and second charges in particular and what they consider irresonsible and what guidelines should be in place etc etc, cattles PLC very kindly responded by saying there was sufficient regulation on lending practices and no further guidance was necessary, AHEM!

 

Link is here: The Office of Fair Trading: Irresponsible lending

 

Glad they ain't writing the acts and seem to be in a minority and luckily OFT don't agree with them and think there is improvement to be made. Might be a bit late for cattles...LR still cannae find my charge certificate and I got a little email from Mr Brunt at DG (looks like he's bearing the...Ok, obvious but been a long day wi unresponsive students :roll:)

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Evening all...well no news on the Cattles results yet...nice phone call from my local branch today asking for money, told them straight, "sort my SAR and give me some statements on my account" (nearly 2 years and ive never seen one !)"and i might think about giving you some money". "oh yes and dont even dream of sending any of your goons round to my house ok, my wifes nearly 6 months pregnant and ill call the Police if you do ok"

Bye Bye !!....Funny they didnt ring back after that ear bashing !!!

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We are all a bit worried I guess. I never hear from Welcome about my account but they could be adding anything to it and I would not know! :(

you should get it checked out,added charges to my account that the shouldn't of

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just checked another credit file site, welcome down as progressive and the agreement under welcome on the first site which according to that was settled is still running according to this other site,so totally confused even more if the credit references don't tally how does anybody know where they stand.

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We are all a bit worried I guess. I never hear from Welcome about my account but they could be adding anything to it and I would not know! :(

Funi you should say that, i havnt heard frommy local branch for 3 weeks even after writing to them and Hull mmmmmmmmmmmmmm i wonder whats going on

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karrie

 

ou need to do a sar request and send to compliance in nottingham,

 

hang fire for a few days as you may have it returned

 

GONE AWAY CARE OF HMP SLADE

RETURN TO SENDER

 

Ohh i just love being with fellow caggers, the sense of humour, even after all the s**t dealt to us at the hands of welscum, its second to none....

Lovin it!!!:-D:-D:p

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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karrie

 

ou need to do a sar request and send to compliance in nottingham,

 

hang fire for a few days as you may have it returned

 

GONE AWAY CARE OF HMP SLADE

RETURN TO SENDER

David "Norman Stanley" Postings....You are hereby sentenced to 25 years hard labour for defrauding thousands of Welcome customers"

Take him down......Oh if only if only !!!!!!:D

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Funi you should say that, i havnt heard frommy local branch for 3 weeks even after writing to them and Hull mmmmmmmmmmmmmm i wonder whats going on

 

You must be lucky I have had them round twice, 1st time they got through the secure door entry system (block of flats) 2nd time I saw them hanging around my car, didn't let them in!!:)

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Right postggj - I'm sooooooooooooooooooooooooooo on it today after my lovely conversation with the director with the STUPID NAME!!!

 

>

 

Anyway I have got a solicitor looking at a disclosure order for me and DG don't seem to like it that I've suddenly turned on them (after all the help they gave I should be ashamed ;) ) - but I have told them - you're the only one so far that's admitting you've got the information that I need and unfortunately you have Cattles PLC to think for me turning on you - if he'd been decent I would have let you off the hook - UNLUCKY!!!

 

Hopefully should have it ready to file tomorrow - Nottingham County Court here we come again Mr P - though they probably won't let you come out and play - they'll send a REAL legal team!

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Am taking on Welcome for some friends. Brief study of the paperwork today shows that they borrowed 7k for a car, then there was previous o/s balance of 3k which was offset by 3k trade in allowance. Total amount of credit 8k???????????

 

7000

+3000

-3000

=8000

 

This is in the pre-contractual paperwork supplied by the garage. The loan agreement shows they borrowed 7k and 1k was to settle a previous loan. :confused::confused::confused:

 

SAR on its way. Car blew up at the weekend anyway, so we decided that was fate playing its hand.

 

My friend tells me that they have been charged for phone calls that they didn't answer and home visits when they weren't there. The o/s balance on this one is 19k :confused::confused::confused:

BANK CHARGES

Nat West Bus Acct £1750 reclaim - WON

 

LTSB Bus Acct £1650 charges w/o against o/s balance - WON

 

Halifax Pers Acct £1650 charges taken from benefits - WON

 

Others

 

GE Money sec loan - £1900 in charges - settlement agreed

GE Money sec loan - ERC of £2.5K valid for 15 years - on standby

FirstPlus - missold PPI of £20K for friends - WON

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Right postggj - I'm sooooooooooooooooooooooooooo on it today after my lovely conversation with the director with the STUPID NAME!!!

 

>

 

Anyway I have got a solicitor looking at a disclosure order for me and DG don't seem to like it that I've suddenly turned on them (after all the help they gave I should be ashamed ;) ) - but I have told them - you're the only one so far that's admitting you've got the information that I need and unfortunately you have Cattles PLC to think for me turning on you - if he'd been decent I would have let you off the hook - UNLUCKY!!!

 

Hopefully should have it ready to file tomorrow - Nottingham County Court here we come again Mr P - though they probably won't let you come out and play - they'll send a REAL legal team!

Andie wishing you all the best for tomorrow

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Evening all, just managed to get back on, my whole quarter of the country had a power cut! What a carry on, it is ridiculous how helpless we become without electricity for just half a day!

 

Andie, what did that director say to get your back up so much???? Can they really still believe they are untouchable?

Dipply75

 

I am in no way a legal advisor and only speak from my own experiences and the helpful advice of those in the same boat! :p

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Evening all

 

Well the 40 days is up today and no SAR received....now theres a surprise, sisnt actually expect to receive anything on time anyway...

 

Did get a reply from Simon at DG..in reply to my PPI info request that was emailed to NU, and sent around a million departments....Simon is looking into it and will get back to me....we shall see what happens there then !!

Must have been a coincidence that i mentioned it on here over the weekend, and suddenly there is a reply waiting in my inbox....

 

Hello Guests !!!

 

Still waiting for the lady at my "local office" down in nottingham to ring back as arranged for 6pm last Wednesday and Friday ???

OOPS !! Silly me..."lots of accounts and very busy" ... :grin:

 

What, busy at the jobcentre ???:lol::lol::lol:

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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To those of you checking he charges etc recorded at the Land Registry, if you find ANYTHING irregular, whether you are unsure about it or not (ie both signatures required on paperwork for joint), complain bitterly to the registry and get them to respond to every point in writing.

 

When I worked in insolvency, it was the Register of Scotland (ROS) we dealt with to place inhibitions etc and they were notoriously strict...as they are supposed to be, but if you phoned with a question you quite often got some young person and not much by way of a definite answer on things.

 

If there is anything wrong, focus on the registry and hound them with a complaint - they will cover their backside no end and turn the heat on Welcome, as I know in the ROS they were very strict with procedures and staff and didn't tolerate cock ups.

 

At least I hope thats how it still is!

Dipply75

 

I am in no way a legal advisor and only speak from my own experiences and the helpful advice of those in the same boat! :p

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To those of you checking he charges etc recorded at the Land Registry, if you find ANYTHING irregular, whether you are unsure about it or not (ie both signatures required on paperwork for joint), complain bitterly to the registry and get them to respond to every point in writing.

 

When I worked in insolvency, it was the Register of Scotland (ROS) we dealt with to place inhibitions etc and they were notoriously strict...as they are supposed to be, but if you phoned with a question you quite often got some young person and not much by way of a definite answer on things.

 

If there is anything wrong, focus on the registry and hound them with a complaint - they will cover their backside no end and turn the heat on Welcome, as I know in the ROS they were very strict with procedures and staff and didn't tolerate cock ups.

 

At least I hope thats how it still is!

 

Thanks Dipply,

 

That's really usefull to know, my gut instinct tells me that there will be reason, to recontact them once i have received everything from them...

I wonder why i get this feeling ??

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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Please

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That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

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