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Welcome Finance - This company needs to be banned.


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Just wanted to check something. I've already sent a cca which they've failed on, although they're claiming my re-write didn't need a new agreement!!!! The 'welcome guru' that is post has advised me to re-issue a cca plus send an sar, done today......but........what happens if welcome go ****'s up before they comply??? Can my 'debt!!!!' (ha ha) be passed on to some mickey mouse dca??? Do i need to also lodge my complaint with someone???

 

HELP!!!!:eek:

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hey all, it's that time of the month again...comission time! expect lots of phonecalls from the branch monkeys requesting payment.

 

we just got ours....they weren't impressed when we said, actually YOU owe us money now :p

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Sorry to hijack just wanted to check something. I've already sent a cca which they've failed on, although they're claiming my re-write didn't need a new agreement!!!! The 'welcome guru' that is post has advised me to re-issue a cca plus send an Subject Access Request, done today......but........wha t happens if welcome go ****'s up before they comply??? Can my 'debt!!!!' (ha ha) be passed on to some mickey mouse dca??? Do i need to also lodge my complaint with someone???

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They have 12+2 days to respond to a cca...sadly it isn't looking like they are gonna go completely down the pan in that time.

 

If they did, your debt would be sold to a dca.

 

If you have a complaint, you need to put it in writing to welcome and give them 4 weeks to resolve it. If 8 weeks pass and you're still not happy you can go to the FOS. You can go to the FOS earlier if they issue you with a final response

 

If they don't respond to your cca request, after 12+2 days you can legally withold payment until they comply.

Edited by emmilou1
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If they are unable to respond satisfactorily to your CCA request, they cannot enforce the debt.

 

Whether or not assigning your debt to a 3rd party counts as enforcement, is open to debate. Depending on the T&Cs, they could probably argue that they could assign your account anyway. Certainly, other financial institutions have done so, even where the customer's account is all good and up to date. For no other apparent reason than, they don't want to be bothered with the type of account they are selling.

 

Personally, I find it incredible that companies are allowed to treat their customers like this. Which just proves how unfair the whole shebang is, from a consumer point of view.

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ANNOUNCEMENT!

 

I have, after 10 weeks, been compensated, and had my account cleared off :)

 

I didnt do the SAR thing, I had my agreement tucked away, so I just got it out and did the maths myself, sent the standard letter saying you owe me money, give it back. Then sent a really harsh letter to them when they sent out a questionnaire. Then give them their 8 weeks to reply, no response, rung up and spoke to them, explaining the situation, and what would happen if they didnt comply, used some special phrases that I've learnt due to my job, and hey presto, letter making me a 'good will offer'. Sent acceptance letter back, had my cheque, and then had a letter confirming my account had been closed! Bingo!

 

Thanks for the help guys, and best of luck!

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without going into too much detail, it was for PPi, but I discovered something was wrong with my agreement. Basically, I was sent my agreement, and someone had put a wrong date on there.

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just see this on the lse

 

 

LONDON, Aug 25 (Reuters) - Cattles PLC:

 

* Still in talks with creditors towards achieving standstill agreement

 

* Says 'complex negotiations' are not expected to be concluded for some time

 

((London Equities Newsroom; +44 20 7542 7717))

 

 

 

(For more news, please click here)

 

COPYRIGHT

Copyright Thomson Reuters 2009. All rights reserved.

The copying, republication or redistribution of Reuters News Content, including by framing or similar means, is expressly prohibited without the prior written consent of Thomson Reuters.

 

 

 

Related Shares: Cattles (CTT).

 

 

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Next Article: UPDATE 1-RBS up on talk looking to buy back shares from govt

 

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4.0%3B%20GTB6%3B%20.NET%20CLR%202.0.50727%3B%20.NET%20CLR%203.0.4506.2152%3B%20.NET%20CLR%203.5.30729%29&cd=32&pw=1143&ph=857&je=true

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hey

COURT 35

Before HIS HONOUR JUDGE COOKE

(Sitting as a Judge of the High Court)

Thursday, 29 October 2009

At half past 10

TRIAL LIST

TLC 553/09 Cattles Plc v Welcome Financial Services Ltd & ors

:Djust found this

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I'm still waiting for FOS to pass my complaint to a "dedicated team". this was approx a few months ago and they say there is a huge backlog so might take a while. They also said that Welcomes slow responses to queries and complaint is also not helping.

Direct Auto Finance & DLC dispute ongoing.

Offer with confidentually agreement from DLC / DAF DECLINED :D

Please PM me if you have any cheap rate or 0800 number for DCA's to add to my list and also to my website

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Despite the ongoing dispute, a standstill arrangement to avoid a default has been agreed and is set to be signed off in the coming days, the people said.

 

 

who said that

 

no info given

 

rumours again ,

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