Welcome Finance - This company needs to be banned.

[eeeezzzyy]

082Stewie is spot on..you cant place an account into dispute for not actioning a SAR...but im just digging my heels in a bit with Welcome now "Just to get their attention" by not coughing up my monthly payment last month or this, they have ignored me for too long refused to answer my letters/phone calls etc and i for one am no longer going to dance to their tune !!!!

[Sunnie2812]

082Stewie is spot on..you cant place an account into dispute for not actioning a SAR...but im just digging my heels in a bit with Welcome now "Just to get their attention" by not coughing up my monthly payment last month or this, they have ignored me for too long refused to answer my letters/phone calls etc and i for one am no longer going to dance to their tune !!!!

 

 

I am still waiting for my Annual Statementwhich has never arrived, and also I am going for the mis-sold PPI!!

[mojo8]

just had the briefest of chats with a girl that works for welcome.... they have not got a clue what is going on..... i asked if she was still working for them and she said yes but its very hard work. I asked her how bad is it at welcome and is your job safe.... her reply was... yes everything is fine now. Her interpretation of what has happened is that wlelcome have a 3 year loan to pay back but have struggled to collect money in to pay it so the directors lied about the accounts but everything is fine now. She thinks its just a couple of million that is owed and that everything is hunkydorey. I explianed to her exactly what has happened and she didnt belive me.. obviously they are so dim at welcome that they belive everything they are told.

[Sunnie2812]

just had the briefest of chats with a girl that works for welcome.... they have not got a clue what is going on..... i asked if she was still working for them and she said yes but its very hard work. I asked her how bad is it at welcome and is your job safe.... her reply was... yes everything is fine now. Her interpretation of what has happened is that wlelcome have a 3 year loan to pay back but have struggled to collect money in to pay it so the directors lied about the accounts but everything is fine now. She thinks its just a couple of million that is owed and that everything is hunkydorey. I explianed to her exactly what has happened and she didnt belive me.. obviously they are so dim at welcome that they belive everything they are told.

 

Does this Dim WF employee not read the newspapers???

[eeeezzzyy]

just had the briefest of chats with a girl that works for welcome.... they have not got a clue what is going on..... i asked if she was still working for them and she said yes but its very hard work. I asked her how bad is it at welcome and is your job safe.... her reply was... yes everything is fine now. Her interpretation of what has happened is that wlelcome have a 3 year loan to pay back but have struggled to collect money in to pay it so the directors lied about the accounts but everything is fine now. She thinks its just a couple of million that is owed and that everything is hunkydorey. I explianed to her exactly what has happened and she didnt belive me.. obviously they are so dim at welcome that they belive everything they are told.

Ooops poor girls obviously oblivious to the £500m loan repayment steaming towards Cattles in July followed by another £135m in Oct/Nov, shes blind to the fact they arent lending anymore...Or is she just reading from the company hymn sheet ???

[eeeezzzyy]

...Mind you going by the standard of employee/financial whizz kids (snigger), that make up my local Welcome branch it doesnt surprise me !!!!

[mojo8]

Does this Dim WF employee not read the newspapers???

 

you have to remember the level of intelligence these cabbages have..... there is every chance that they cannot read...

[eeeezzzyy]

Comparing Cabbages to Welcome employee's is a real downer on Cabbages

You can eat Cabbages....You can do nothing with Welcome employees !!!!

[mojo8]

I was just so surprised after talking to this girl just how little she knew and she has been there a few years....... when i first asked her what she was doing with herself her reply was " nothing, absolutely nothing" so she may have been trying to hide the fact that she suspects her job is in doubt as i think she is looking for a job back at where i work and she may have not wanted to come across as desperate... the reason i suspect that is that our loan is through the office that she works and for some reason we are being dealt with by a different office.

 

just on a different subject is this number a number for a specific welcome office or is it a national number 08454564877. The reason i ask is that a few posts back we aere discussing the possabilities of a specialist team doing the collecting for them is this is the number our call came from..

[brassed-off-2]

I was just so surprised after talking to this girl just how little she knew and she has been there a few years....... when i first asked her what she was doing with herself her reply was " nothing, absolutely nothing" so she may have been trying to hide the fact that she suspects her job is in doubt as i think she is looking for a job back at where i work and she may have not wanted to come across as desperate... the reason i suspect that is that our loan is through the office that she works and for some reason we are being dealt with by a different office.

 

just on a different subject is this number a number for a specific welcome office or is it a national number 08454564877. The reason i ask is that a few posts back we aere discussing the possabilities of a specialist team doing the collecting for them is this is the number our call came from..

 

Hi Mojo, This number 08454564877 is through "head office" according to my usual contact in the local office... this was the same number that rang me in the wigan area from the "local office"...it seems all calls are filtered through them outbound, if i ring my local office number it gets filtered through a muppett in nottingham and passed to local office if i request it !!

It seems they may now possibly be recording ?? all calls and logging them nationally, hence why we keep getting the call charge letters .. this has been going on from approx January that i know of....so we all need to be cautious about what we say, and even better record the calls ourselves...

 

B-O-2

[brassed-off-2]

Back onto the subject of SAR.. just been scrutinising the drivvell they sent me, trying to pass it off as a SAR, AND true and original copies of the agreement and the actuall term they have on there for the loan is 300 months...YES thats right 300 months or 25 Years ...i do not ever remember my husband or myself agreeing to a re-write of a 180 month loan to 300 months,...

Are there such secured loans out there with welcome for this lenght of time ??? Anyone ??

[mojo8]

Hi Mojo, This number 08454564877 is through "head office" according to my usual contact in the local office... this was the same number that rang me in the wigan area from the "local office"...it seems all calls are filtered through them outbound, if i ring my local office number it gets filtered through a muppett in nottingham and passed to local office if i request it !!

It seems they may now possibly be recording ?? all calls and logging them nationally, hence why we keep getting the call charge letters .. this has been going on from approx January that i know of....so we all need to be cautious about what we say, and even better record the calls ourselves...

 

B-O-2

 

 

caution is definately the word.... When we rang our local branch to make a payment we asked for a specific person who we spoke to the night before... they just said that the person in question was on his lunch and he would call us back, it was by this number that he called, sneaky baxxxrds

[mojo8]

Back onto the subject of SAR.. just been scrutinising the drivvell they sent me, trying to pass it off as a SAR, AND true and original copies of the agreement and the actuall term they have on there for the loan is 300 months...YES thats right 300 months or 25 Years ...i do not ever remember my husband or myself agreeing to a re-write of a 180 month loan to 300 months,...

Are there such secured loans out there with welcome for this lenght of time ??? Anyone ??

 

i thought welcome loan period was a max of 15 years. !!

[Sunnie2812]

I was just so surprised after talking to this girl just how little she knew and she has been there a few years....... when i first asked her what she was doing with herself her reply was " nothing, absolutely nothing" so she may have been trying to hide the fact that she suspects her job is in doubt as i think she is looking for a job back at where i work and she may have not wanted to come across as desperate... the reason i suspect that is that our loan is through the office that she works and for some reason we are being dealt with by a different office.

 

just on a different subject is this number a number for a specific welcome office or is it a national number 08454564877. The reason i ask is that a few posts back we aere discussing the possabilities of a specialist team doing the collecting for them is this is the number our call came from..

 

 

The Number I was given in yesterdays letter for Customer Service is:

0845 618 7847

[eeeezzzyy]

"Snap" blimey Welcome were very busy on the letter front yesterday !!!...Must be trying to raise cash by fair...oops sorry foul means or even fouler means !!!!

[traz39]

where is everyone today

[tigga_1961]

Back onto the subject of SAR.. just been scrutinising the drivvell they sent me, trying to pass it off as a SAR, AND true and original copies of the agreement and the actuall term they have on there for the loan is 300 months...YES thats right 300 months or 25 Years ...i do not ever remember my husband or myself agreeing to a re-write of a 180 month loan to 300 months,...

Are there such secured loans out there with welcome for this lenght of time ??? Anyone ??

 

if its a secured loan id be looking to see if it is indeed registerd with land registry and read the small print or post your agreement again

[082stewie]

Back onto the subject of SAR.. just been scrutinising the drivvell they sent me, trying to pass it off as a SAR, AND true and original copies of the agreement and the actuall term they have on there for the loan is 300 months...YES thats right 300 months or 25 Years ...i do not ever remember my husband or myself agreeing to a re-write of a 180 month loan to 300 months,...

Are there such secured loans out there with welcome for this lenght of time ??? Anyone ??

 

Hi Brassed,

 

This is a shocker! 300 months is a very long stretch. Did you have PPI with the loan? If so what was the term of the PPI policy?

 

I dont even want to think about how much they are making on interest over this term and the chronic APR along with it.

 

Have a look at the PPI term and the loan term, if they do not run along side each other then its clear your demands and needs were NOT met when the application was taken out. Even over 180 months it probably wont be the same. As far as I can work out Welcome do not sell policys that run longer than 60 months.

 

Something for you to look into.

 

Stewie

[082stewie]

I was just so surprised after talking to this girl just how little she knew and she has been there a few years....... when i first asked her what she was doing with herself her reply was " nothing, absolutely nothing" so she may have been trying to hide the fact that she suspects her job is in doubt as i think she is looking for a job back at where i work and she may have not wanted to come across as desperate... the reason i suspect that is that our loan is through the office that she works and for some reason we are being dealt with by a different office.

 

just on a different subject is this number a number for a specific welcome office or is it a national number 08454564877. The reason i ask is that a few posts back we aere discussing the possabilities of a specialist team doing the collecting for them is this is the number our call came from..

 

Welcome have set up a dedicated number for staff to call for feedback on the state of the company. I have personally listened to the main man himself assure staff everything is ok. What a spin doctor!! He certainly can talk the talk.

 

They need to keep staff confidence inline with collections and running the business. Can you image if they all knew the truth, no one would pitch to the office.

 

Anyhow I think we are in for a week for make or break.

 

Stewie

[eeeezzzyy]

"Nero fiddles while rome burns"

[brassed-off-2]

Thanks Guys, 300 months just what i was thinking...

Tiga i've not posted agreement because there are..lets say a few dodgy things on it or not, to say the least...dont want to jepordise my pending legal battle if you can understand what i mean. thanks

 

I have also recieved a few interesting things back from the land registry also...

 

Stewie going to send you a pm in a little while if thats ok.....?

 

b-o-2

[082stewie]

Thanks Guys, 300 months just what i was thinking...

Tiga i've not posted agreement because there are..lets say a few dodgy things on it or not, to say the least...dont want to jepordise my pending legal battle if you can understand what i mean. thanks

 

I have also recieved a few interesting things back from the land registry also...

 

Stewie going to send you a pm in a little while if thats ok.....?

 

b-o-2

No problemo!

 

Im off and on this evening. Hiding from the other half. Weekends are meant to be laptop free

[tigga_1961]

Thanks Guys, 300 months just what i was thinking...

Tiga i've not posted agreement because there are..lets say a few dodgy things on it or not, to say the least...dont want to jepordise my pending legal battle if you can understand what i mean. thanks

 

I have also recieved a few interesting things back from the land registry also...

 

Stewie going to send you a pm in a little while if thats ok.....?

 

b-o-2

yeah can well imagine with welcome how many dodgy things are int here im awaiting sar as once upon a time i had a secured loan with all the insurance loaded on but when i tried to claim on it they said i couldnt so waiting to see what they have one me, before next move:x also other half has ppi on and was workin pt at the time loan was taken out

[andie_303]

Thanks Guys, 300 months just what i was thinking...

Tiga i've not posted agreement because there are..lets say a few dodgy things on it or not, to say the least...dont want to jepordise my pending legal battle if you can understand what i mean. thanks

 

I have also recieved a few interesting things back from the land registry also...

 

Stewie going to send you a pm in a little while if thats ok.....?

 

b-o-2

 

you got news??/

 

fill me in!!

[andie_303]

Tigga PPI on a part time job - a no no!

 

You spoken with DG about it??