quick question: we (my OH and i) are both named on the welcome finance credit agreement, but only my name is on the summons. my OH recieved a default notice through the post, (dated two days after the court's acknowledgement letter), relating to the same credit agreement that is currently somewhere in the court system. is this allowed? thanks in advance andy

yay! got a summons! boo! why is it always northampton? that's 100+ miles from me, welcome or their solicitors. now, does anyone know the correct wording on form N244 to have the court venue changed: other than that, acknowledgemet and defence forms (N9/B) ready to post tomorrow, and i'm working on the CPR 18. should i make reference to the still incomplete set of documents from my original subject access request? thanks in advance, andy

everything you said made me want to drown kittens. you sound just like the moron from WFS i spoke to on the phone in august last year...and i'm still waiting for you to take me to court... why haven't i recieved a summons yet, if i owe you £3500+? could it be that your sums don't add up, and any judge would look at your paperwork and throw you straight out of the door? yes, i f**king thought so. c'mon welc**t, serve me some papers, if you've got the cojones and, yes. i will have fries with that.

maybe i am being daft and paranoid...i probably don't believe it, but all other explanations don't hold water.

i read on ofgem's (or was it energywatch?) site that one in three meters are not accurate (within their own definition of accurate anyway.) and that was exactly my point... i don't think the meter is faulty, because it does seem to have fixed itself. what? ... hello? i didn't know broadband was available in victorian areas... my bad - the reading was 01380 i purchased and installed the meter box before the transco contractor came to alter the service pipe. i didn't touch the meter at all. as i said before, there is a note saying 'see householder for access'. i'm not stopping them from getting to their meter - merely stopping them from getting to their meter unsupervised. there is a difference.

the meter currently reads 1380, and is increasing at the rate of 2 cu.m per day - i have started taking a picture of it at the same time every day, just in case. i just don't see how we could have used 12 cu.m per day, when our house is less than 65sq.m overall. the met office figures show the average temperatures were only 5 deg. celsius cooler than the preceeding three months (when we used 1 cu.m per day), and 3 deg. above the long term average. i'm 99% certain that we're getting taken for a ride up the bourneville boulevard been outside this evening and put a padlock on the meter box and a note taped to it saying - "please see householder for access". now anyone wanting to look at the meter can do so only under our supervision. if they complain about it being locked - i paid for the meter box and the tools to fix it into the wall, so i will do whatever i want to it. as long as i don't touch the meter, they can perform a solo sex actwith themselves.

after doing a few hours of searching the net for similar npower nightmares, there's little that npower could do that i could find hard to believe. they have totally disregarded my reading of 23/1/08, and replaced it with an 'actual' reading which is 533 cu.m higher than it really was. how they came about this 'actual' reading is beyond me, when the only reading on that date was the one that i gave them - and on my son's grave, the reading i gave them was accurate. EDIT: there is no gas leak. the plumber was here last month to service our boiler and the first thing he did was to test the gas for leaks. btw, the boiler is less than a year old and double-A rated.

the following post contains my own opinion of npower and their allegedly unfair, unethical and possibly illegal business practices. earlier this evening i called npower to question why my gas bill was so disproportionately large, they basically accused me of giving them an innacurate meter reading in january, and i ended up accusing them of tampering with my gas meter. after doing some quick calculations, my gas usage for 30 august (brand new meter - reading zero) to 23 jan was 154 cu.m, or 1.054 cu.m per day. for the period from 23 january to 25 april, they estimate that i have used 1150 cu.m, or 12.365 cu.m per day. i understand that the temperature was on average 4.5 centigrade colder, but surely that would not require twelve times as much gas? meter readings taken over the last week-and-a-bit show usage of 2.3 cu.m per day, and the average temperature has not been markedly different to those of last autumn. i believe npower have rigged my gas meter by adding on a few numbers and adjusting the rate at which the numbers turn. the problem is how to prove it. i have had a close look at the meter, and, with the right tools and knowledge, think it would be possible to remove the clear plastic cover to access the dials without leaving any evidence. there is a black plastic seal where the clear plastic meets the metal casing, and the paint has a visible crack where the two meet but i don't know if this could be considered evidence. after spending over an hour on the phone to npower i eventually got to speak to a manager called matthew hill. probably a pseudonym, and definitely an arrogant arse. he said that it was a very serious allegation and i had no evidence to back it up. and he is right. this could be impossible to prove, so npower have carte blanche to defraud their customers to the tune of £millions, without fear of reprisal or recrimination. does anyone have any similar experiences? or advice on how to proceed with my complaint? thanks in advance. andy

i got a call from this number on way home from work. answered it and they hung up. i did that and it lead me to this thread... i hope they call again, because i aint calling them back. but if i answer and they start talking, thats when i hang up!

BUMP! they have not sent all the info requested (S.A.R.) and claim that they have sent everything - i know this to be lies. do i sue for non compliance with S.A.R. or failure to keep proper records? or both?

UPDATE: received a letter this morning regarding my letter before action for not complying with my S.A.R... [quote name="Alexandra Mace Senior Compliance Officer (Welcome Finance Head Office)"] I write further to your letter of 10th August 2007, which has been passed to me for reply. We refute your allegations that we have not complied with your request as we have supplied all documents that we currently hold on you. I can confirm that we have fully complied with your request pursuant to the Data Protection Act 1998 and this information you have been sent is all the information we hold on you. Yours etc... COMPLETE AND UTTER BO*****S their own computer notes that they sent to me prove this. the statements for the only agreement they sent start 08/2003. the computer notes start 21/12/2000 and quite clearly show details of calls etc for the previous car finance, and the current car finance and the loan they made me take out at the same time for the balance of the previous finance. "18/08/03 14:10 new loan deal done plus hp" that "loan deal done" was £1800 plus interest (i don't have the original agreement any more - aaaargh!). which i stupidly paid for 18 months on the sales invoice that i politely requested from the car showroom, (not one of welcome's own, thankfully) the financial bit at the bottom says "finance settlement £2987.86" ? so that's twice i paid it. on the agreement this is shown as a "deposit" (£1800) but lower down the calculation it is added back on to the total. i have been mis-sold a loan - and paid it three times!!! and now, rather conveniently they have no record of it...or so they think so, over to you - what do you think? any suggestions would be extremely appreciated as i'm not sure what to do next. thanks in advance andy ps, also, the amount at the end of the sales invoice is £7482.86... by the time that number appeared on the CCA it had become 7982.86......... pps, can i sue for 'non-compliance with S.A.R.' with the option to upgrade to 'failure to keep proper records'? thanks again peeps!

hi all. another welcome victim here. first, i started my own thread but haven't got very far with it yet. i've S.A.R.'d them, and LBA'd them as the S.A.R. data was incomplete. i need to get hold of the rest of the info so i can start with the main part of my claim (and update my thread with all the juicy details...) which is mis-sold ppi mis-sold personal loan (which i have paid three times over..!) £1003 worth of fees and charges (including £400 fees in one lump - no explanation for that as yet) it feels good to be the one doing the shafting for a change...

i don't know much about ppi - i've always said "NO THANK YOU!" before they even finish asking the question. i've always been skeptical of insurance. i read somewhere on CAG that a creditor using the statutory £10 fee as a payment on a debt was misapropriation of funds...i'm not certain i've quoted the right law (Theft Act 1968 s24A (dishonestly retaining a wrongful credit)) - i found that reference on lawteacher.net as for your case, it's common for welcome to hold bank account and credit card details on file (even though they don't hold the correct credit licence) for years longer than they need to. they've probably still got my bank account number of an account that i closed seven years ago. it's just another example of welcome thinking they can ass-rape our wallets forever and ever without reprisal. not any more.

is there a template letter for formally disputing a loan? i can't find one. i'm a bit simple sometimes...

recieved data after access request, calculated amount of unfair bank charges (it's only £350, but i'd sue them for a quid), sent off request for payment. recieved letter stating: "we believe the charges are fair, transparent and lawful." a-ha. a-ha. and: "...the bank...became involved in legal proceedings with the OFT...we have asked the FSA to suspend the normal timetable for dealing with bank charges complaints..." so, should i wait until the test case is resolved, or send a letter before action demending my money back? thanks in advance andy