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Welcome Finance - This company needs to be banned.


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it will be close of biz

 

so go gun in hand on the 22/09/09

 

six guests

 

lucky me

 

no notingham

i have not released it yet

 

want to savour the moments

 

Ok.Thanks Post...I will give them a call today to say we will be collecting on Tuesdsay first thing.

Dawnx

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Ok.Thanks Post...I will give them a call today to say we will be collecting on Tuesdsay first thing.

Dawnx[/quote

Just decided...Am not going to ring them (Why warn them).....if they havn't supplied the CCA by Monday night I will just put the account into dispute by hand delivery on Tuesday morning.

 

Dawnx

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There IS some interest from a company wanting to buy the ill established huge debt along with the millions of customer agreements that will be found to be unenforcable resulting in hourly court battles for the next 6 years and the write off of hundreds of millions of pounds of agreements and equity.

I think the company was called Mug Financial Services!!

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The request for CCA was hand delivered to this office last Monday 07/09/09.and signed for.

 

DawnyTrish, as Post says the fact is you served them a request on a date, it is irrelevant who is or isn't on holiday, as a "big" organisation it is up to them to arrange themselves to deal with your request.

 

However, they have 12 working days for compliance, so by my reckoning that gives them until next Wednesday, 23rd September to respond to your request before they enter a default situation.

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Just decided...Am not going to ring them (Why warn them).....if they havn't supplied the CCA by Monday night I will just put the account into dispute by hand delivery on Tuesday morning.

 

Dawnx

 

However, they have 12 working days for compliance, so by my reckoning that gives them until next Wednesday, 23rd September to respond to your request before they enter a default situation.

 

Dawn, as per my response above I personally would wait until Thursday before delivering that letter (at least it's still in time to not have to pay them on Friday!).

 

And Iain learns to read the whole thread before replying to an earlier post!

Edited by IainHL
Add the lesson learned.
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Dawn, as per my response above I personally would wait until Thursday before delivering that letter (at least it's still in time to not have to pay them on Friday!).

 

And Iain learns to read the whole thread before replying to an earlier post!

 

It's usually paid on a Tuesday so it will have to be paid and then as you say take the letter in on Thursday....after all it may be the last time it has to be paid for a while if they don't produce the CCA.

Thanks for your reply.

 

Everyone on here is so helpful.

Thank you

Dawnx

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Please note that if the customer instructs their bank to stop either rolling credit card or direct debit payments the bank or credit card company MUST comply Please don't accept any nonsense to the contrary. Put your instruction in writing pointing out that if they fail to comply you WILL hold them liable for any losses

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has anyone else expereienced the same problems i am having with one creditor - Welcome Finance.

 

i have sent proposals to my three creditors with a personal budget sheet and two of them haven't given me any problem with the information provided.

 

Welcome Finance however is another matter. they want every bit of paperwork to back up claim as they believe my calim is fraudulent and i have been economic with the truth and being in the job i am i should be more honest with my figures.

 

i checked page 34 of the national debt guidelines on how to fill this andit says it is acceptable for creditors to demand pay slips and letters from other creditors but not to the extent of where they want absolutely every bit of paperwork i have as this will not be asked for in court.

 

i also sent a cheque for the monthly figure i have set out in the DMP and they cashed the cheque and have said i still need to make the remainder of this months payment - less the amount for the cheque.

 

I think they are being totally unreasonable. any thoughts or advice would be welcome

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thanks for that T2upNorth, lol - reading everything on here for Welcome Finance i wish i had never got involved and am thinking of writing to their trade assoscaition and raising a complaint about my account manager and how he has accused me of lying on my DMP. its not as if i have said i won't pay!!!!!!

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MR P - I know you regularly like to drop in here so save me a postage stamp for a letter that noone would ever respond to anyway......

 

UPDATE MY ACCOUNT WITH COURT DATES

 

If i get another phone call from Nottingham CRC this week saying I am lying about litigation because "its not on the notes and if I had gone to court it absolutely would be"

 

hmmmm Ferguson V British Gas Trading LTD??

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Moosehead - under the circumstances why not send off a CCA request to WF compliance in Nottingham - it may be your agreement is rubbish and it will get you a full statement so you can start to fight back on the charges that will undoubtedly be on there.

 

As a matter of interest what kind of loan is it? HP/personal/CST/secured etc.

When was it signed and has it been extended/topped up?

If you really want to upset them send them a SAR - they don't like that.

Also, is it a local branch chasing you? You may want to send the "no phone contact" letter and only deal with compliance - the local monkeys are almost out of a job so customer service (which was never a strong point) has totally gone out of the window....

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Moosehead - under the circumstances why not send off a CCA request to WF compliance in Nottingham - it may be your agreement is rubbish and it will get you a full statement so you can start to fight back on the charges that will undoubtedly be on there.

 

As a matter of interest what kind of loan is it? HP/personal/CST/secured etc.

When was it signed and has it been extended/topped up?

If you really want to upset them send them a Subject Access Request - they don't like that.

Also, is it a local branch chasing you? You may want to send the "no phone contact" letter and only deal with compliance - the local monkeys are almost out of a job so customer service (which was never a strong point) has totally gone out of the window....

 

it is a personal loan and was signed in february 2008 and has neither been topped up or extended.

 

it is the local branch that is accusing me of lying on the figures and not accepting my DMP.

 

i have the address for compliance so will send over any correspondance with them. thaks for that.

 

might get a complaint raised about my account amanger and state with that department that no phone contact is to be made and under circumstance should my account manager have further dealings with me and they are very lucky i haven't sued for defamation of character and slander!!!!!

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Hello there Andie, long time no banter!!

I suspect my loan is going to be re-written and put back as to how it should be from the start. I am certainly not signing anything from this bunch of Village idiots.

But I am changing tack on several fronts. I want the PPI amount credited onto the FRONT loan, recalculated without the PPI....BUT here is the kicker.

I want it credited with the standard 8% interest PLUS I want the amount refund credited with 18% (the rate they charged me) but I want it compounded.

The 18% compound interest to be added AFTER the 8% statutory interest I would be awarded.

This would inflate the re-write in a whole different scope.

I am almost certain they charged me 18% on the PPI so I want that money back, but compound that rate and you start talking serious money.

I have had some pretty good wins with these sharks over the past few months; this forum kind of drew me away from the main prize for me. I got a few agents to slam the phone down on me to! Seems they have lost their sense of humour of late!

Stewie

I need to change my avatar..But cant find a good replacement.

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