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    • I used to post regularly in order to provide factual information (rather than advice) but got fed up with banging my head against a brick wall in so many cases when posters insisted black was white and I was writing rubbish. I have never posted anything which was untrue or indeed biased in any way.  I have never given 'advice' but have sought to correct erroneous statements which were unhelpful. The only username I have ever used is blf1uk. I have never gone under any other username and have no connection to 'bailiff advice'.  I am not a High Court Enforcement Officer but obtained my first 'bailiff' certificate in 1982. I'm not sure what records you have accessed but I was certainly not born in 1977 - at that time I was serving in the Armed Forces in Hereford, Germany (4th Division HQ) and my wife gave birth to our eldest.   Going back to the original point, the fact is that employees of an Approved Enforcement Agency contracted by the Ministry of Justice can and do execute warrants of arrest (with and without bail), warrants of detention and warrants of commitment. In many cases, the employee is also an enforcement agent [but not acting as one]. Here is a fact.  I recently submitted an FOI request to HMCTS and they advised me (for example) that in 2022/23 Jacobs (the AEA for Wales) was issued with 4,750 financial arrest warrants (without bail) and 473 'breach' warrants.  A breach warrant is a community penalty breach warrant (CPBW) whereby the defendant has breached the terms of either their release from prison or the terms of an order [such as community service].  While the defendant may pay the sum [fine] due to avoid arrest on a financial arrest warrant, a breach warrant always results in their transportation to either a police station [for holding] or directly to the magistrates' court to go before the bench as is the case on financial arrest warrants without bail when they don't pay.  Wales has the lowest number of arrest warrants issued of the seven regions with South East exceeding 50,000.  Overall, the figure for arrest warrants issued to the three AEAs exceeds 200,000.  Many of these were previously dealt with directly by HMCTS using their employed Civilian Enforcement Officers but they were subject to TUPE in 2019 and either left the service or transferred to the three AEAs. In England, a local authority may take committal proceedings against an individual who has not paid their council tax and the court will issue a committal summons.  If the person does not attend the committal hearing, the court will issue a warrant of arrest usually with bail but occasionally without bail (certainly without bail if when bailed on their own recognizance the defendant still fails to appear).   A warrant of arrest to bring the debtor before the court is issued under regulation 48(5) of The Council Tax (Administration and Enforcement) Regulations 1992 and can be executed by "any person to whom it is directed or by any constable....." (Reg 48(6).  These, although much [much] lower in number compared to HMCTS, are also dealt with by the enforcement agencies contracted by the local authorities. Feel free to do your own research using FOI enquiries!  
    • 3rd one seems the best option, let 'em default, don't pay a penny, nothing will happen, forget about all of this. As for Payplan don't touch them with a bargepole, nothing they can do that you can't, and they will pocket fees. A do it yourself DMP is pointless as it will just string out the statute barred date to infinity.
    • Because that’s what the email said. Anyway it’s done now. Posted and image emailed.    im doing some reading in preparation for defence but I will need my hand holding quite tightly by you good people.  I’m a little bit clueless
    • why do you need adobe...use a pdf online website. all for now...no get reading up and do not miss your defence filing date no matter what. post it up in good time no!!    
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Welcome Finance - This company needs to be banned.


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sent of 3 letters ppi, charges and incomplete sar. Also got letter fos saying they expect to give me a reply to my complaint by 18th June.

 

Well Good Luck with the PPI letter, mine got thrown back at me, and they told me to go back to the Car dealers!! Not Welscum

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Compliance department in welcome finance must be working hard on all the SARs and dispute letters either that or they have all been made redundant. We have been trying since last friday to contact them. Even their customer relations team have had no luck in contacting them.

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I went past the local excuse of an office on the way home today, they were actually working with no office lights on :D and there was no more than 5 people in an office that used to be regularly maned by at least 20, i havent heard a thing from Welcome since i sent them a SAR two months back and started asking awkward questions since discovering this site !!

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It's the old saying "do unto others what they do unto you". If they didn't try to screw so much money out of me and put up so many obstacles then I would probably treat them with some respect. I guess they are learning a very expensive lesson.

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Hey Guys :D :D :D

 

If anyone read my post on my random whim of reporting Welcome to the government 'report a loan shark' website which was a longshot but as I pointed out they fit the criteria. I thought it would get lost and be dismissed as they are licensed....WELL

 

they are passing it to OFT on my behalf, and have asked for my details & said if they find anything showing inappropriate behaviour (I have harassment letters from welcome, the handwritten ones they stick through your door) they may take action to remove their license!!

 

Now obviously we can all complain and some have to OFT so it's not new, but it can't do any harm to have the government sending it on can it....I've made a serious allegation of intimidation and underhand tactics & I can prove it. Now they could be passing the buck, but the OFT won't ignore it at least.

 

Here's hoping

 

am x

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Well Good Luck with the PPI letter, mine got thrown back at me, and they told me to go back to the Car dealers!! Not Welscum

 

I got the same letter.

 

Does yours say that welcome only provided the finance? is so who is the insurance with?

 

I am going to put pressure on the car dealer tomorrow... either they cough up the info ... or its them i take to court.

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I know this has been mentioned in the thread earlier but I had a sec. loan with Welcome, got into arrears and back in November they offered to rewrite the loan and lower my monthly figure, i thought that would be a great help to my wife and i. At that time i had never heard of this site so We accepted the rewrite. I went into the local office to sign the agreement and my wife was going into the office the following day to sign. Their rep said there was no need for my wife to sign the agreement:idea: even tho our mortgage and this sec. loan was in joint names. Also they've never sent a copy of the agreement to us...i wonder why??? I'm thinking after reading this thread and a lot of other threads that our agreement would seem to be unenforceable...what do you think?

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It's the old saying "do unto others what they do unto you". If they didn't try to screw so much money out of me and put up so many obstacles then I would probably treat them with some respect. I guess they are learning a very expensive lesson.

Oh they are learning with me...not very fast, until i get an answer on my SAR....no money !, but ive heard nothing, no phone calls, no letters !!

Very odd !:confused:

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I got the same letter.

 

Does yours say that welcome only provided the finance? is so who is the insurance with?

 

I am going to put pressure on the car dealer tomorrow... either they cough up the info ... or its them i take to court.

 

Yep exactly the same letter as mine!!!

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Hi Andie - I received the following from NU this morning :

 

Thank you for your e-mail. Since my e-mail acknowledgement sent to you on 23 April on behalf of Mr Moss, I have ascertained more information on your query which has been dealt with by Mr Elphick, Senior Claims Manager in our Creditor Technical Claims department.

 

I have established that the matters to which you referred in your note to Mr Moss have already been fully investigated by Aviva and you have received an appropriate response from us in the form of a letter from Mr Elphick dated 6 April. Furthermore, this was followed up with a letter from Ms Dewey on 15 April.

 

These letters provided our full and final resolution to your questions. Consequently, I regret that neither Mr Moss nor Aviva plc or Norwich union is able to enter into any further correspondence with you on this matter.

 

Regards.

 

Hilary Wilkes

Assistant to the Chief Executive

 

 

I am totally raging and have sent back an appropriate reply but this company is a joke. When I worked for them they would never have treated complaints like this. I really don't care anymore if they know I am posting this on this forum because they have really gone too far now. I am logging a complaint with the ombudsman and we have an appointment next week with a solicitor. If they don't have anything to hide why can't they answer our questions. sorry to rant I am just sooooooo angry :mad:

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Hi Andie - I received the following from NU this morning :

 

Thank you for your e-mail. Since my e-mail acknowledgement sent to you on 23 April on behalf of Mr Moss, I have ascertained more information on your query which has been dealt with by Mr Elphick, Senior Claims Manager in our Creditor Technical Claims department.

 

I have established that the matters to which you referred in your note to Mr Moss have already been fully investigated by Aviva and you have received an appropriate response from us in the form of a letter from Mr Elphick dated 6 April. Furthermore, this was followed up with a letter from Ms Dewey on 15 April.

 

These letters provided our full and final resolution to your questions. Consequently, I regret that neither Mr Moss nor Aviva plc or Norwich union is able to enter into any further correspondence with you on this matter.

 

Regards.

 

Hilary Wilkes

Assistant to the Chief Executive

 

 

I am totally raging and have sent back an appropriate reply but this company is a joke. When I worked for them they would never have treated complaints like this. I really don't care anymore if they know I am posting this on this forum because they have really gone too far now. I am logging a complaint with the ombudsman and we have an appointment next week with a solicitor. If they don't have anything to hide why can't they answer our questions. sorry to rant I am just sooooooo angry :mad:

 

LMAO Millymo - Did we really expect anything different?? I am waiting for what no doubt will be exactly the same letter.

 

However as I complained about a department and person I think they have to at least reply to that and not just send a we cannot help you anymore letter as I didn't really complain about that I complained about her and the department.

 

Anyway I am thinking I'm just gonna take them to court - I'm hoping PT can help me with trying to word it correctly to the judge etc.

 

Idiot the lot of them!

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As i understand it if Welcome have defaulted me then the contract is terminated, now i could argue that the contract was already terminated as it was a secured loan contract and the property was sold but now they have defaulted me thats the contract ended yes?

 

I understand they can still chase me for money BUT, how can they justify charging the contractural interest, imposing the contractural penalty fees for letters etc, processing my info with the CRA's?

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I thought once a default and termination of contract no further charges could be added??

 

People... this is welcome finance we are talking about, they can do whatever they want.

 

Blimey its not like they have dishonest directors that are under suspension, or go around breaking their banking covenants and the like is it? :confused:

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Forsure I wholeheartedly agree with Andie on this but get some confirmation of the balance in writing before you put it in dispute, I too had a statement when it went into dispute so knew the balance but found out yesterday they were still adding on interest regardless! but I have the proof, the silly beggers. Hopefully you will get full account details in the SAR that will detail what you owed at which date, but i think we all know how welcome manipulate this, get your balance first, your bubs deserves it more than them so good luck.

 

Thanks for that - I fully intend to get going on this soon enough - am not always able to look in for tips and advice, so apologies if I seem really dense on the whole subject. Just as well I have so many knowledgeable caggers to turn to should I need it - and I do !!

 

Thankyou again everyone for your help :D

Forsure

 

** One woman crusade against the rip off lenders ! **

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12 guests ?? Geezzzzz have Welcome made more redundancies ?? :lol:

 

cant be that many left now can there !!... just hope they are practising there picking up dog s**t skills ready for there next jobs ...

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