Welcome Finance - This company needs to be banned.

[beyondhope]

my apologies ive missed bits of this thread it appears.....sorry to hear about your op post what crappy timing eh dont be gone too long we need you

 

I too am intrigued as to what happens if their cap gets told to shove off

 

 

Im probably wrong and hopefully someone will correct me if i am but im pretty sure any agreement that wasnt signed is unenforceable??

 

We have a modified hp agreement but that was signed but our darling local manager has written us a nice new reconstructed agreement to make the figures add up which isnt worth the paper its written on as no one has signed it and it doesnt add up anyway silly mare has the total payable as less than the amount of credit for goods and just randomly added them together :grin:

[Martel]

Bad News

 

Need Major Op On Knee

 

21 December

 

Great

 

Three Days Before Christmas

Back Online Now Till Then

 

Sorry to hear about the op! Maybe Christmas is a good time for recovery (i.e., lots of people to wait on you!!)?? Santa has a peculiar sense of humor!

 

Mx

[Voda]

Good luck with the surgery Postie.

 

Will be thinking of you.

 

Take care

 

Voda

 

PS. It's down to all that kicking of Welcome's butt ....

[Martynandemma]

my apologies ive missed bits of this thread it appears.....sorry to hear about your op post what crappy timing eh dont be gone too long we need you

 

I too am intrigued as to what happens if their cap gets told to shove off

 

 

Im probably wrong and hopefully someone will correct me if i am but im pretty sure any agreement that wasnt signed is unenforceable??

 

We have a modified hp agreement but that was signed but our darling local manager has written us a nice new reconstructed agreement to make the figures add up which isnt worth the paper its written on as no one has signed it and it doesnt add up anyway silly mare has the total payable as less than the amount of credit for goods and just randomly added them together :grin:

 

since i posted this comment I have actually found a signed copy......but....it looks like a forged signature to me. Does anyone know how I could go about proving my signature has been forged ??

[Dibbothe3rd]

when u say forged? do you mean as in they signed it or copied the signature over?

 

if they have signed it, then its been suggested to get a specialist to analyse it which I think costs between £100-£200.

 

if they have copied it, then you can try finding the original signature in your paperwork and match it up. I dont think I have ever seen two signatures the same size that would match up line for line. This would point to someone cutting and pasting it.

[Martynandemma]

I will have a little sift through the docs they sent me

 

I am 99% certain its been copied as I dont have an original copy of it. since 2003 I always keep agreements until the account is finished so I was surprised to get it in the SAR. I find it highly suspicious though as there are 2 signatures, one in the customer box & one in the PPI signature box which raises the question....why would I sign the box if the loan has no PPI ?

[Dibbothe3rd]

are the signatures the exact same? if so it would indicate it has been copied in my opinion.

[Martynandemma]

no not the same slightly different, another of the agreements they sent me looks like it was faxed the signature on that one looks like a ruler was used (go figure ???)

 

Will let you know when I have looked through paperwork I think one came from my drivers licence!!

 

back soon

[Dibbothe3rd]

well have fun playing pairs heh heh

[dadofholly]

are the signatures the exact same? if so it would indicate it has been copied in my opinion.

 

If you find one on an agreement that looks very much the same... then get some tracing paper and trace one... lay it over the other then match them.

 

No two signatures are exactley the same.

 

I done this for some signaturres on a ppi agreement and the company backed down as soon as i said i would have it tested for confirmation.

[brassed-off-2]

Its eerily quiet around here tonight!!

What is it ...Darts and Donimoes night down at the local??

[beyondhope]

im here im here no dominoes for me lol just reading trying to work out whether to ignore these letters i had lol

[brassed-off-2]

Are they off welcome...its got to be worth a laugh if they are!!

[beyondhope]

but of course bo2 who else would waste paper by sending stuff that doesnt even make sense

[brassed-off-2]

Now theres a bit of bed time reading for you.....

[beyondhope]

certainly send you to sleep

[Martynandemma]

BOO!!!

 

just looked at the agreement, cant find 1 exactly the same.

 

I have also looked at my 2nd agreement with them & something just doesnt add up.

 

I have looked at all the copies of my signatures welcome have & none of them come close. I know I didnt sign the document they have sent, the figures on it look like they have been traced over the top (if you r writing a single zero you would get it in the box) it doesnt line up correctly. Where my name goes its hand written too high in the area. Also when you sign a document you sign it by the words "your signature" it appears by the words new terms in the box. I would never sign it like that.

 

 

On agreement 2 I am lucky enough to have the actual original copy. The address is typed differently on their copy & the welcome staff members signature is completely different plus on my copy I signed once, theirs has 3 seperate signatures for me. Plus the added fact that their copy is a template which has the numberplate as ABC1 DEF!!!

 

So which authority do I go to to accuse them of "alleged" fraud ?

[brassed-off-2]

Well when i turned up to see the boys in blue...they had no one who did that!! apparently... not even CID?? but then they had a bulldog on the counter who knew nothing....only how to growl!! SEE A SOLICITOR!!! Is it any wonder we complain about everything..taxpayers money to the banks, the politicians and the pit bull at the local police station...its the world gone mad!!!

good luck marty.

[Martynandemma]

cheers

[jdene]

well had an interesting morning, spoke to the FOS who told me welcome are at least two months behind with payouts on insurance rebates and still have no figures then told to ring welcome and ask them for the figures, so thats what i did, now welcome are saying that the 12 weeks they quote for payouts are from when they look at your letter from the FOS not from when they recieve it also they are only now looking at the figures for claims they recieved in August so thats four months behind to my reconing, also if I want my repayment without any further delays I have to sign a new agreement, at this point I had lost me sense of humour and told the droid that when the refund is calculated it would clear the agreement he of course disagrees, so told him I would not put my signature to any welcome document under any circumstances as this would give them an enforceable agreement which they currently dont have he asked why and I then gave him the list of all the things wrong with my agreement to which he replied I dont know anything about the legal side of it all you need to make a complaint having told him the account was in dispute for nearly two years with a four inch thick file of letters, and the FOS being involved for the last year, I then realised this is welcome and they just sit there acting as if they kn ow nothing just to wind me up, so told him to go back to the nursery with the other idiots and the FOS would be in touch.

So rang the FOS again told them the whole sorry story the lady was very helpfull and sympathetic and informed me the the whole of the complaint had now been moved up to a full review due to welcome messing around and they would be contacting welcome again to get thing resolved as quick as possible as they know welcome are using whatever delaying tactics they can even with the FOS so Im back to waiting again.

jdene

[beyondhope]

best of luck jdene hope they can get a foot up wf's a$$ without losing a shoe.....or the will to live

[traz39]

well had an interesting morning, spoke to the FOS who told me welcome are at least two months behind with payouts on insurance rebates and still have no figures then told to ring welcome and ask them for the figures, so thats what i did, now welcome are saying that the 12 weeks they quote for payouts are from when they look at your letter from the FOS not from when they recieve it also they are only now looking at the figures for claims they recieved in August so thats four months behind to my reconing, also if I want my repayment without any further delays I have to sign a new agreement, at this point I had lost me sense of humour and told the droid that when the refund is calculated it would clear the agreement he of course disagrees, so told him I would not put my signature to any welcome document under any circumstances as this would give them an enforceable agreement which they currently dont have he asked why and I then gave him the list of all the things wrong with my agreement to which he replied I dont know anything about the legal side of it all you need to make a complaint having told him the account was in dispute for nearly two years with a four inch thick file of letters, and the FOS being involved for the last year, I then realised this is welcome and they just sit there acting as if they kn ow nothing just to wind me up, so told him to go back to the nursery with the other idiots and the FOS would be in touch.

So rang the FOS again told them the whole sorry story the lady was very helpfull and sympathetic and informed me the the whole of the complaint had now been moved up to a full review due to welcome messing around and they would be contacting welcome again to get thing resolved as quick as possible as they know welcome are using whatever delaying tactics they can even with the FOS so Im back to waiting again.

jdene

mine was 12th august and i am still waiting when i rang they didnt give me any idea how long it would be anyone know any different

[postggj]

juat AN UPDATE ON CATTLES

 

AFTER ALL RECEIPT AND OUTGOINGS

 

IN 2009 ACCOUNTS, CATTLES WAS MAKING A LOSS OF

 

ONE MULLION 1000000

 

per day

[Dibbothe3rd]

wow Post, where ya find that treasure of info? have I missed something?

[beyondhope]

omg not much then!!!!! eeekkk and i thought i had debt!!!