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Welcome Finance - This company needs to be banned.


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Can anyone point me to a template letter to Welcome/Direct/Norwich Union for claiming back PPI please? I would really like to get this going but don't know where to start!

 

have you your own thread?

 

you need to do your spreadsheets first

then look at notes for claimants stickie on the PPI forum homepage.

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Hi, thankyou. Yes I have, it's

 

http://www.consumeractiongroup.co.uk/forum/legal-issues/163222-welcome-cohens-case-withdrawn-15.html#post2954105

 

It's a long thread but my post #269 gives a brief update. I want to claim back our PPI payments from them and give them some grief as they did to us. Up until the Discontinuance we paid them back around half of the amount owed (paid c£4k) so I have no idea how that works out in claiming back any PPI. It was because of them not honouring the ppi payments ('pre existing' condition that we got into trouble in the first place).

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would be better to post there then.

it will get bumped by your new post.

 

basically you need to do a spreadsheet of every ACTUAL payment of PPI you PAID and the date each month it was made on

then you charge them 8% stat int from that date to the date of your claim.

 

then follow the advice on any of the many welcome PPI threads.

 

dx

Edited by dx100uk

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Prudence

 

You should also write and request a copy of the underwriting sheet associated with the loan. They won't send it you, but the fact that you asked and they ignored you may be useful later.

Steven

 

Using CAG Toolbar will generate much needed income - Download Here

 

Confused by Simple Interest? Confounded by Compound Interest? Read my Interest Tutorial

My Wins

 GE Money Won unconditionally May 2007

NatWest Won unconditionally August 2007

Brighthouse Won unconditionally August 2007

Goldfish Won unconditionally April 2008 (including CI on the basis of Sempra)

Clydesdale Financial Services (now BPF) Won unconditionally February 2008

 

Any opinions are without prejudice & without liability. Do not take any legal action on my advice alone. Almost everything I know concerning the law I learned from this site.

 

Please note, I will not give advice by PM. Please send a link to your thread and I will do my best to answer there.

 

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Thanks dx and Steven. I think the whole amount was paid upfront,included in the total credit agreement amount, so I'm not sure how that works out in terms of claiming? (as the whole amount of credit was not repaid to them, only half)

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MMMMMMMMMMM!!!!!!

 

CHARITABLE TRUST...VERY FAMILIAR!!!!!

its like the saying Chalk and cheese...birds and bees!!!

spml and capstone...charitable trust and securitisation..lehamns and spv's...oh well here i go again!!!!!!

ANYBODY WHO NEEDS INFO ON YOUR LEHMANS MORTGAGE

either SPML/PML/LMC/SPPL; the following are DIRECT tel#s,

of the investigating & prosecuting organisations: DONOT say you are from CAG-only directly affected or a concerned citizen.

 

1. Companies House: Kevin Hughes(Compliance Manager-main) @ 02920 380 633

2. CH : Lee Jenkins(prosecuting Amany Attia(MD) for SPML/PML) @ 02920 380 643

3. CH : Mark Youde(accounts compliance) @ 02920 380 955

 

4. Companies Investigation Branch(CIB) : Charlotte Allan @ 0207 596 6108

(part of the Insolvency Service) investigating all the Lehman lenders

 

5. CIB : Jeremy Pilcher('unofficial'-consumer/company lawyer) : @ 0207 637 6231

__________________

File YOUR 'Companies Investigation Branch'- CIB complaint online NOW!!!!

 

http://www.insolvency.gov.uk/complaintformcib.htm

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oh!! forgot to mention

 

RBS AND BARCAP!!!

 

ALL IN EACH - OTHERS BACK POCKET AND BROWN HOLE!!!!!!

 

SORRY RANT OVER ....BACK TO MORE SCANNING FOR THE FOS;)

ANYBODY WHO NEEDS INFO ON YOUR LEHMANS MORTGAGE

either SPML/PML/LMC/SPPL; the following are DIRECT tel#s,

of the investigating & prosecuting organisations: DONOT say you are from CAG-only directly affected or a concerned citizen.

 

1. Companies House: Kevin Hughes(Compliance Manager-main) @ 02920 380 633

2. CH : Lee Jenkins(prosecuting Amany Attia(MD) for SPML/PML) @ 02920 380 643

3. CH : Mark Youde(accounts compliance) @ 02920 380 955

 

4. Companies Investigation Branch(CIB) : Charlotte Allan @ 0207 596 6108

(part of the Insolvency Service) investigating all the Lehman lenders

 

5. CIB : Jeremy Pilcher('unofficial'-consumer/company lawyer) : @ 0207 637 6231

__________________

File YOUR 'Companies Investigation Branch'- CIB complaint online NOW!!!!

 

http://www.insolvency.gov.uk/complaintformcib.htm

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Change of Finance Director

 

RNS Number : 0198N

Cattles PLC

03 June 2010

 

Cattles plc

Change of Finance Director

Cattles plc ("Cattles") announces that James Drummond Smith will resign as a

Director and Finance Director of Cattles with effect from the conclusion of

Cattles' forthcoming Annual General Meeting to be held on 29 June 2010.

He was appointed as interim Finance Director in April 2009 with a view to

producing the 2008 Annual Report and Financial Statements, which has now been

completed.

The Board intends to appoint Paul Felton-Smith to the Board of Cattles as

Finance Director. Mr Felton-Smith will join Cattles on 7 June 2010 and has

agreed to join the Board as Finance Director immediately after the forthcoming

Annual General Meeting, subject to the approval of the Financial Services

Authority. Mr Felton-Smith is an experienced finance director with over 25

years of financial and management expertise in a variety of sectors,

particularly in companies undergoing financial and operational restructuring.

His most recent assignments have been as CFO of Lupus Capital plc and prior to

that as CFO of Metronet Rail. He also acted as Finance Director for Yes Car

Credit (a sub-prime motor finance company) during the run-off of its loan book

in 2006/2007.

Margaret Young, Executive Chairman of Cattles, said:

"The Board would like to place on record its thanks for Jamie's enormous

contribution over the last year. He joined us at a particularly challenging

time and over the last year has made a substantial contribution to dealing with

the wide range of issues faced by Cattles, including the recent finalisation of

the 2008 accounts.

We are delighted to have found such an able and experienced successor for the

Finance Director role and look forward to working with Paul Felton-Smith."

For further information, please contact:

Margaret Young, Executive Chairman, Cattles plc

020 7269 7252

Paul Marriott, Financial Dynamics

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Me thinks they are going to go to their agm and say they are doingnexactly what yes car credit did i.e. Run offntheir current loan bookmand wind it up......hence getting the man in that did it for yes car.

 

why would they do that otherwise? And it's funny because in reading back through their announcement of Jamie taking over there is no mention at all of him only being there in the interim to get their 2008 accounts out....

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I Did Say Give It Six Months

 

Not The Three Years Cattles Was Quoting

 

I Realy Do Believe Cattles Only Has A Few Months Left Now

 

They Just Cant Get Any Funding

 

Yes Car Director HaS links With Godebt

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A small victory!

 

After much letter writing and complaining to CRAs, Welcome about a default date on my credit files being blatantly changed from 2003 to 2008...in February this year!! and welcome sending a letter to myself and cras stating this was true and accurate even though no further defaults were issued since 2003, well not to me I contacted the ICO and finally, finally someone is protecting the consumer! An apologetic letter from Welcome (you could tell it was begrudged in tone) saying the complaint is upheld, now explanation why they changed the dates willy nilly but hopefully the ICO will slap them on the wrist for that. Also they have offered to cut my existing loan, which I have not made payment to for nearly two years now, and never been asked? they are apparently knocking a few grand off it as a gesture of goodwill, still to have a statement of account to that effect though, but definitely a change in attitude.

 

so! not a great outcome but they can't keep tarnishing my credit files so WHOOP!!! I'll take that to start with! :grin::grin::grin::grin::grin:

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A small victory!

 

After much letter writing and complaining to CRAs, Welcome about a default date on my credit files being blatantly changed from 2003 to 2008...in February this year!! and welcome sending a letter to myself and cras stating this was true and accurate even though no further defaults were issued since 2003, well not to me I contacted the ICO and finally, finally someone is protecting the consumer! An apologetic letter from Welcome (you could tell it was begrudged in tone) saying the complaint is upheld, now explanation why they changed the dates willy nilly but hopefully the ICO will slap them on the wrist for that. Also they have offered to cut my existing loan, which I have not made payment to for nearly two years now, and never been asked? they are apparently knocking a few grand off it as a gesture of goodwill, still to have a statement of account to that effect though, but definitely a change in attitude.

 

so! not a great outcome but they can't keep tarnishing my credit files so WHOOP!!! I'll take that to start with! :grin::grin::grin::grin::grin:

 

 

Fab news about time we as consumers got listened to!

I am a consumer just like you, please get a second opinion or investigate yourself on anything I advise as I am in no way legally trained. Everything I know has come from the Mighty CAG and fellow CAGGERS. :cool:

 

If I have helped in any way please click my reputation star and make a donation to CAG to enable us all to continue to help each other :cool:

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yeah they were nice enough to send me a default notice at the weekend

 

 

:mad: i received my quarterly default sums notice too....the figures don't even tally with the last one :eek:. but no statement to check it against:!:

ANYBODY WHO NEEDS INFO ON YOUR LEHMANS MORTGAGE

either SPML/PML/LMC/SPPL; the following are DIRECT tel#s,

of the investigating & prosecuting organisations: DONOT say you are from CAG-only directly affected or a concerned citizen.

 

1. Companies House: Kevin Hughes(Compliance Manager-main) @ 02920 380 633

2. CH : Lee Jenkins(prosecuting Amany Attia(MD) for SPML/PML) @ 02920 380 643

3. CH : Mark Youde(accounts compliance) @ 02920 380 955

 

4. Companies Investigation Branch(CIB) : Charlotte Allan @ 0207 596 6108

(part of the Insolvency Service) investigating all the Lehman lenders

 

5. CIB : Jeremy Pilcher('unofficial'-consumer/company lawyer) : @ 0207 637 6231

__________________

File YOUR 'Companies Investigation Branch'- CIB complaint online NOW!!!!

 

http://www.insolvency.gov.uk/complaintformcib.htm

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I'm working with a friend and he got a DN from them despite (because of?) the fact that he has ongoing court proceedings against Welcome

Steven

 

Using CAG Toolbar will generate much needed income - Download Here

 

Confused by Simple Interest? Confounded by Compound Interest? Read my Interest Tutorial

My Wins

 GE Money Won unconditionally May 2007

NatWest Won unconditionally August 2007

Brighthouse Won unconditionally August 2007

Goldfish Won unconditionally April 2008 (including CI on the basis of Sempra)

Clydesdale Financial Services (now BPF) Won unconditionally February 2008

 

Any opinions are without prejudice & without liability. Do not take any legal action on my advice alone. Almost everything I know concerning the law I learned from this site.

 

Please note, I will not give advice by PM. Please send a link to your thread and I will do my best to answer there.

 

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Share on other sites

I'm working with a friend and he got a DN from them despite (because of?) the fact that he has ongoing court proceedings against Welcome

 

I was defaulted AFTER SETTLEMENT - because they hadn't paid THEMSELVES off!!! :rolleyes:

 

My default has since been removed though :)

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