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Welcome Finance - This company needs to be banned.

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Guest Cartaphilus
what reference do you need

 

I think he means what 'proof' have you of this? Also, is this tying into your finding people's bank statements left by Lewis Group next to your bin today. I've noted you have posted an awful lot in the meantime about all these companies in multiple threads about them.

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found some information an did some research thought i will let you take the advice or dont take it

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hey milner

 

what do you mean you cant get a ccj or charging order, if people with secured loans stop paying I would assume it goes to the lewis group who would ccj you then get a charging order.


Take Control

! Use excel to document all your income and outgoings !

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the problem is milner that you cannot make accusations without proof - that is potentially libel. I am therefore removing your post (and mine related to it) until you provide some proof.


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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does anyone have a good telephone harrassment letter as well as one about harrassing door step visits? have looked on CAG library but only see a telephone harrassment letter.

 

any help gratefully recieved. many thanks ;-)

Edited by pears23
spelling

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look in the dca templates letter sticky in that forum or on the homepage of cag

 

dx

  • Haha 1

PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

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well WELCOME FINANCE CANNOT PUT A CHARGE ON YOUR PROPERTY OR CCJ YOU?

 

THEY CANNOT GO LEGAL! ITS ONLY PRELEGAL STUFF EMPTY THREATS

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If Anyone Has A Welcome Account Ring Lewis Group And Tell Them To Go Legal I Bet You Anything They Wont

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well WELCOME FINANCE CANNOT PUT A CHARGE ON YOUR PROPERTY OR CCJ YOU?

 

THEY CANNOT GO LEGAL! ITS ONLY PRELEGAL STUFF EMPTY THREATS

 

 

I beg to differ, I have a charge on my property executed legally enough for them to be beating me with it like a stick for 6 years!!! whilst trying to extort more money on top of a paltry loan, but you're right on one point, they won't or can't take court action but not because they haven't done everything quite legally, they have done enough in some cases, but because they don't want to get found out for the vast majority of things they haven't quite dotted the i's on...Pandora's box, they're trying to bury it before it's prised open by the honest consumers who have been screwed over...they have bigger things to hide than each person on this forums issues with them..and they are obviously being massaged by other companies to hide this, in case they all fall down, they are hanging onto RBS's hems and RBS anren't about to let them pull their trousers down because where would our government be then? who exactly allowed this unholy mess of 'legalised' sub prime credit to happen!? That's why they are still here, just, they're being held up by bigger greedier hands with more to lose then bad accounts.

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Hi All,

 

I fired off a letter last week, 17th June to be exact.

I want the charges applied to my loan for rubbish phone calls and worthless letters returned to me.

 

Looking at my statement I have been charged approx £130 to date. Excluding "capitalisation" or what ever they call it. I want that money returned to me.

I am almost certain they charge for phone calls confirming contact details etc. I dont have any arrears on the account currently.

 

Anyhow, to the point....I got a letter back this morning already! I couldnt believe it. This cant be the Welcome Finance I know and hate so much!

 

They refuse to refund me the costs of the calls and the letters, claiming I agreed to these fees when signing my loan agreement and they are well within rights to charge me administrative costs for missing payments or reminders that could result in the cancellation of the Direct debit.

 

Looking over my agreement, there is a section with the charges listed. So do I have an argument? Or should I leave this one be? Anyone else have any luck with this? I didnt use any template letter. I just winged it.

I know Andie got hers back as part of settlement, sneeky thing!

 

I dont think this is a standard template letter they send out either. Looks like a real signiture.

 

Stewie

Request for repayment of charges

 

Dear Sir/Madam,

 

ACCOUNT NUMBER: xxxxxxx

 

My request

 

I am writing to ask you to refund to me charges and related interest which you have levied from my account over the last three years.

 

I consider that the regime of charges you operate is unfair within the Regulations as they are not individually negotiated, they operate in much the same way as charges operated by other High street banks and therefore there is little alternative to myself but to agree to the charges. Furthermore the charges are contrary to the requirement of good faith and fair dealing as they lack basic standards of commercial moral practice and take an unfair advantage of the weak bargaining power of the consumer. They impose a significant imbalance in the rights and obligations between the contracting parties which is to my detriment. I also consider that the charges may be unlawful at common law.

 

Your responsibilities

 

I would draw your attention to the terms of the contract which you agreed to at the time that I took the loan. It is an implied term of that contract that you would conduct yourselves lawfully and in a manner which complies with UK law. Furthermore you are bound by the Banking Code to treat your customers fairly and it is evident that you do not so.

 

 

I consider that your repeated representations that your charges are unfair and reasonable are deceptive and that they have deceived me into agreeing to pay them.

Your concealment of the true nature of your charges has prevented me from asserting my right until now.

 

 

 

 

 

What I require

 

I calculate that you have taken £xxx from me in three years.

I enclose a schedule of the charges which I am claiming with this letter including 8% statutory interest and "capitalisation" that you apply.

 

 

In addition to full payment of the sum mentioned above, I require that you remove the default entry and adverse comments from the register. Please note that mere correction or amendment to the entry will not be acceptable. I would remind you that the misuse of personal data in this way is contrary to the Data Protection Act and is probably defamatory.

 

 

 

My targets to resolve this matter

I hope that you will enter into a sincere dialogue with me about this matter and I am writing this letter to you on the assumption that you will prefer to do this than merely respond with standard letters and leaflets.

 

I am fully aware of the waiver which you are presently relying upon and which was granted to you by the FSA. However, this is an internal industry matter and has nothing to do with with High street banks test case brought by the OFT.

I consider your charges a penalty and not unlawful under English law. It is one-sided and I note that you continue to levy charges and to enforce them despite the weight of judicial and popular opinion against you.

 

I will give you 14 days to reply to me accepting, unconditionally, my request in principle and letting me know a date by which I will receive payment.

 

If you dispute that I am entitled to a refund of these charges, then please let me know within the above timescale the basis upon which you dispute together with the reasons why you consider your charges to be fair.

 

If you do not respond, or you do not respond positively, within this time period, I shall either forward my complaint to the FOS for mediation or send you a letter before action giving you a further 14 days in which to reflect. I believe that these targets are more than sufficient for a large company such as yours with dedicated staff and departments.

 

After that, there will be no further communication from me and I shall issue a claim at the expiry of the second deadline.

 

Yours faithfully,

Stewie

 

 

I had limited success with this before. You think this should do the trick on these flippen charges, just winds me up they can do what they like.


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

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Request for repayment of charges

 

Dear Sir/Madam,

 

ACCOUNT NUMBER: xxxxxxx

 

My request

 

I am writing to ask you to refund to me charges and related interest which you have levied from my account over the last three years.

 

I consider that the regime of charges you operate is unfair within the Regulations as they are not individually negotiated, they operate in much the same way as charges operated by other High street banks and therefore there is little alternative to myself but to agree to the charges. Furthermore the charges are contrary to the requirement of good faith and fair dealing as they lack basic standards of commercial moral practice and take an unfair advantage of the weak bargaining power of the consumer. They impose a significant imbalance in the rights and obligations between the contracting parties which is to my detriment. I also consider that the charges may be unlawful at common law.

 

Your responsibilities

 

I would draw your attention to the terms of the contract which you agreed to at the time that I took the loan. It is an implied term of that contract that you would conduct yourselves lawfully and in a manner which complies with UK law. Furthermore you are bound by the Banking Code to treat your customers fairly and it is evident that you do not so.

 

 

I consider that your repeated representations that your charges are unfair and reasonable are deceptive and that they have deceived me into agreeing to pay them.

Your concealment of the true nature of your charges has prevented me from asserting my right until now.

 

 

 

 

 

What I require

 

I calculate that you have taken £xxx from me in three years.

I enclose a schedule of the charges which I am claiming with this letter including 8% statutory interest and "capitalisation" that you apply.

 

 

In addition to full payment of the sum mentioned above, I require that you remove the default entry and adverse comments from the register. Please note that mere correction or amendment to the entry will not be acceptable. I would remind you that the misuse of personal data in this way is contrary to the Data Protection Act and is probably defamatory.

 

 

 

My targets to resolve this matter

I hope that you will enter into a sincere dialogue with me about this matter and I am writing this letter to you on the assumption that you will prefer to do this than merely respond with standard letters and leaflets.

 

I am fully aware of the waiver which you are presently relying upon and which was granted to you by the FSA. However, this is an internal industry matter and has nothing to do with with High street banks test case brought by the OFT.

I consider your charges a penalty and not unlawful under English law. It is one-sided and I note that you continue to levy charges and to enforce them despite the weight of judicial and popular opinion against you.

 

I will give you 14 days to reply to me accepting, unconditionally, my request in principle and letting me know a date by which I will receive payment.

 

If you dispute that I am entitled to a refund of these charges, then please let me know within the above timescale the basis upon which you dispute together with the reasons why you consider your charges to be fair.

 

If you do not respond, or you do not respond positively, within this time period, I shall either forward my complaint to the FOS for mediation or send you a letter before action giving you a further 14 days in which to reflect. I believe that these targets are more than sufficient for a large company such as yours with dedicated staff and departments.

 

After that, there will be no further communication from me and I shall issue a claim at the expiry of the second deadline.

 

Yours faithfully,

Stewie

 

 

I had limited success with this before. You think this should do the trick on these flippen charges, just winds me up they can do what they like.

 

just make sure you inc a spreadsheet of exactly what you want back inc int at 8% stat.

 

dx


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

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Any chance someone can have a look at my thread with Welcome, could do with some help with these crooks !

 

 

link?

 

dx


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

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Request for repayment of charges

 

Dear Sir/Madam,

 

ACCOUNT NUMBER: xxxxxxx

 

My request

 

I am writing to ask you to refund to me charges and related interest which you have levied from my account over the last three years.

.

.

.

After that, there will be no further communication from me and I shall issue a claim at the expiry of the second deadline.

 

Yours faithfully,

Stewie

Stewie, I feel your letter isn't really the correct one to send in this circumstance. It is too much related to the bank charges situation, rather than charges on a loan account.

 

I would strongly worded letter specifically referring to UTCCR 1999 is what you need. Take a look at the letters here: Reclaim Credit Card Charges: Full guide to get £100s back..., they should give you the basis of what you need.

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the problem is milner that you cannot make accusations without proof - that is potentially libel. I am therefore removing your post (and mine related to it) until you provide some proof.

 

Hi Steven

 

Milner in reference to lewis group and welcome finance is not far off the mark in some respects - but i am not sure he is correct in all aspects.

 

Welcome finance collections and recovery dept is the lewis group. They answer phone as welcome and use the address and trading name of welcome - but they are the lewis group. And i have evidence and confirmation.

 

Dont know if it helps any ones case though - not sure how it does.

 

As for the evidence - i have names, positions and am willing to back up if needed - even in a legal dispute - on oath.

Edited by dadofholly

The Banks lend you Credit that is created out of nothing - FACT.

 

Only 3% of the Money in the Uk is in the form of notes and coins - the rest is created by banks as debts - numbers on computers - nothing more.

 

Money should be our servant - not our master - Its Time to reform the Banking system

 

For more info on how banks create loans from nothing - The problems of our debt based economy - and what the solution is - look here

 

 

Further Reading and articles on our debt based economy found here

 

http://prosperityuk.com/

 

The campaign for this reform is backed by a group of economists, lawyers, engineers, former civil servants, university academics and business people as well as the public.

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there is no welcome finance. its just Lewis Group acting as Welcome Finance trust me.

 

To clear up a few misunderstandings and to clarify matters before people get confused with all of this stuff I will state the following in support of Steven here:

 

(1) Welcome Finance can pursue legal action on accounts, however they use external solicitors to do this including Irwin Mitchell, LRC and The Lewis Group (Howard Cohen) - these legal actions include Charging Orders and Attachment of earnings BUT the account remains with Welcome and therefore is owned by Welcome, they can enforce CCJs.

 

(2) The Lewis Group and Welcome are two different companies under one umbrella (Cattles PLC) and are treated as seperate legal entities, BUT there are examples of TLG and Welcome sharing the same office space (In Nottingham for example) due to Cattles cost cutting exercises, however if you have a complaint about your Welcome account you need to complain to Welcome they are still trading and still exist.

 

(3) The pre legal action is not necessarily an empty threat and should be taken seriosuly BUT Milner has a point in that a lot of accounts are threatened with Legal action that for one reason or another (Agreement details, missing etc) cannot be taken any further. What happens is a team of administrators send a bulk load of defaults and letters and then picks through the accounts to see which ones can be taken through the legal process.

 

(4) On accounts where a secured loan has been taken out. there is normally a charge in place as this is part of the process of getting the loan (Signed legal charge) a little information here, Welcome have never repossessed a house and are unlikely ever to as its an expensive process and they have to pay off prior charges.

 

So in a sense Milner has raised some vaild points but it is important to understand that the quoted statement is not entirely accurate even if the sentiment is.

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(2) The Lewis Group and Welcome are two different companies under one umbrella (Cattles PLC) and are treated as seperate legal entities, BUT there are examples of TLG and Welcome sharing the same office space (In Nottingham for example) due to Cattles cost cutting exercises, however if you have a complaint about your Welcome account you need to complain to Welcome they are still trading and still exist.

 

To clarify my points earlier. Lewis are trading out of Welcomes office as welcome. They answer the phone as welcome, they call people as welcome - and if you talk to them on the phone they claim to be welcome.

 

My complaint about welcome - made to welcome compliance has - been passed to lewis Group pretending to be welcome.

 

Welcome told me that their compliance dept "only deals with mis-sold PPI" and that as my claim concerns "secret commissions" it has been sent to lewis who are dealing with my account.

 

When I asked for the number for Lewis i was given the same names, telephone numbers etc. of the exact same people that i had just spoke to ten minutes before - who said they were welcome.

 

Lewis employees are claiming to be welcome - fact. But i dont think this in itself will help anyones claim - but stand to be corrected.

 

The only problem i have now is who do i take to court welcome - Lewis Group - or both?

 

I assume it should still be Welcome no matter where they have passed my claim on too.

Edited by dadofholly

The Banks lend you Credit that is created out of nothing - FACT.

 

Only 3% of the Money in the Uk is in the form of notes and coins - the rest is created by banks as debts - numbers on computers - nothing more.

 

Money should be our servant - not our master - Its Time to reform the Banking system

 

For more info on how banks create loans from nothing - The problems of our debt based economy - and what the solution is - look here

 

 

Further Reading and articles on our debt based economy found here

 

http://prosperityuk.com/

 

The campaign for this reform is backed by a group of economists, lawyers, engineers, former civil servants, university academics and business people as well as the public.

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Major Player I beg to differ Welcome do seek repossessions even from those who don't owe them anything including even those who have ever had a loan off them:mad:

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Guest Cartaphilus

Just to point out something here. In one of Milner's first posts over in the debt collection industry part of the forum he/she states that they 'found' a bunch of Lewis Group bank statements belonging to clients next to their bin yesterday as 'post' ... And posted them back to Lewis, instructing them of it being a breach of Data Protection.

 

http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/99170-lewis-group.html

 

So, I am just wondering what it's all about.

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Hi Steven

 

Milner in reference to lewis group and welcome finance is not far off the mark in some respects - but i am not sure he is correct in all aspects.

 

Welcome finance collections and recovery dept is the lewis group. They answer phone as welcome and use the address and trading name of welcome - but they are the lewis group. And i have evidence and confirmation.

 

Dont know if it helps any ones case though - not sure how it does.

 

As for the evidence - i have names, positions and am willing to back up if needed - even in a legal dispute - on oath.

Dadofholly

 

Sorry for the confusion but this is not what I was asking milner for proof of. I have hidden the actual post this quetsion is referring to for legal reasons.


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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look in the dca templates letter sticky in that forum or on the homepage of cag

 

dx

 

 

thanks

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Joncris,Thanks for the reply, I'm sorry to interject but I feel it is important, you may have misread the article as it refers to a Unilateral notice that Welcome refused to remove, repossession was taken by a different lender (Possibly the first mortgage holder) and Welcome basically held that their notice was valid and as such would take surplus proceeds from the sale rather than the client having the money to do with as they wish.

 

It is quoted in the article:

 

"Even the lenders who are seeking repossession from Ms L are appalled that the LR have not removed the charge that Welcome cannot prove"

 

So for other interested parties:

 

(1) You cannot repossess a property using a Unilateral notice as security, it is not legal (A unilateral notice by its very nature is a "One way" notification of an interest).

 

(2) To date Welcome Finance have not repossessed a home despite their empty threats, if you know my history, I am not offering an opinion here, I know this to be true an accurate although they of course do repossess cars and goods etc.

 

If you want to PM me with details I am sure I can address your specific case, more thn willing to help ;)

 

 

 

;-)

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Joncris,Thanks for the reply, I'm sorry to interject but I feel it is important, you may have misread the article as it refers to a Unilateral notice that Welcome refused to remove, repossession was taken by a different lender (Possibly the first mortgage holder) and Welcome basically held that their notice was valid and as such would take surplus proceeds from the sale rather than the client having the money to do with as they wish.

 

It is quoted in the article:

 

"Even the lenders who are seeking repossession from Ms L are appalled that the LR have not removed the charge that Welcome cannot prove"

 

So for other interested parties:

 

(1) You cannot repossess a property using a Unilateral notice as security, it is not legal (A unilateral notice by its very nature is a "One way" notification of an interest).

 

(2) To date Welcome Finance have not repossessed a home despite their empty threats, if you know my history, I am not offering an opinion here, I know this to be true an accurate although they of course do repossess cars and goods etc.

 

If you want to PM me with details I am sure I can address your specific case, more thn willing to help ;)

 

 

 

;-)

 

No YOU misread the article the false charge was only there because a false loan had been created about which the consumer knew nothing & Welcome although they could produce no documents refused to accept that she didn't owe them anything & were about to evict the woman on Xmas Eve a matter of days away would you believe before someone intervened & got it stopped made them apologize AND pay compensation

 

Anyway the point is you stated they don't evict anyone & this proved they do. I also know of others where they have applied & obtained possession

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style="text-align:center;"> Please note that this topic has not had any new posts for the last 2808 days.

If you are trying to post a different story then you should start your own new thread. Posting on this thread is likely to mean that you won't get the help and advice that you need.

If you are trying to post information which is relevant to the story in this thread then please flag it up to the site team and they will allow you to post.

Thank you
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