got statements , fired off a letter on the 26/05/09 registered post asking for charges back (its actually around £2200 theres duplicate fees capitalization and all sorts of other stuff which i didnt notice at the start) , still nothing back , took a wild stab at an email address and bingo it worked , got one back saying the complaint had been closed ?????? , spoke to a lass at the welcome office who said she would get someone to call me , not happened , email sent to Mr. Adrian Cummings , see what happens..

dont know if you all know this but just in case , if you want to email any person at welcome finance do this: firstname.surname@wfs.co.uk. i got an email back within 12 hours. just got a reply back from firstname.surname@cattles.co.uk as well. enjoy

Got a letter from welcome today bascially saying " the default has been registered correctly". no copy of the default and nothing relating to the claim for charges and it also says this is a final response to your complaint. So im now gonna fire another letter about default cause they obviously havent got it , but i also wanna go the whole hog on the charges cause theyve really p****d me off , but i wanna go down the compound interest route and see how they like 50.9% interest thrown back at them (probably very unlikely to happen but may aswell give it go) , i could really do with some help , im assuming ppl are using the sempra metal case as guidance but im struggling to see the connection , im sure someone will fill me in on that , any ideas? many thanks

ok need some advise , ive come to a brick wall now , bascially welcome are now completely ignoring anything i send them , i have reported them to to every regulatory body i can think of and still nothing , i thought id tackle the cras see if i can get the default removed , so far theyve all emailed me back saying that they have contacted welcome who still havent replied that was 15 days ago , am i right in thinking that if they havent produce the docs to prove the default that the cras have to remove the default after 28 days, i ask cause credit expert have said without permission from welcome they wont remove it

ask them for an original copy of the final bill , they will have it!! , then check the readings on the bill are actual readings not estimates , if they are estimates then you can challenge it because they havent got anything to base the bill on , if they are readings then check the dates the meter was read if they overlap to the day you moved out you could be paying for someone elses water usage, if all else fails if you have a meter at your new property do 2 check reading i.e take a reading then a week later take another one that will give your average weekly usage you can then ask them to base the bill on the average weekly consumption at your new property albeit for your old bill.

sounds like your bill is based on the rateable value of the property - kinda works like your council tax , if your on rv ask the water company to fit a meter its free and it should knock about 70% off that bill.

RV is worked out almost the same as your council tax bill , it doesnt happen anymore all new properties are built with water meters , if you think your being overcharged compare your bill with your neighbours if they differ - question why.

theyve introduced a flexi shift , they are ment to give us 2 weeks notice for changing our shift , if they give us less then 2 weeks notice and we refuse to change our shifts we could open to a disciplinary

no , right old contract 8 standbys a years £50 for being on standby £20 sat £30 sunday 16 hours overtime worked over the standby weekend when called in plus the standby £50 = £400 new contract no standby at all / no overtime Compensation paid for just the standby payment over 2 years £800 but we have lost the overtime that we would have worked over the standby weekend

thanks for the reply, sorry probably not explained well , basically if we are on standby and we get called into work we get paid at overtime rates because its classed as overtime , they have now removed the standby weekends from our shifts and not compensated us for it, about £5000 a year loss.

Hope someone can help with this. A recent restructure in my department has left myself agruing with management because they are not compensating us for the loss of our overtime when working our standby weekends , basically my company operates 24/7 so someone always has to be at work , we are contracted to do 8 standby weekends a year (they have now removed this ) , they have paid us for the loss of the standby however refused to pay for the loss of overtime while we work these standby shifts. My argument is these standby weekends have ALWAYS been worked , you can always 100% guarantee that you will have to work your standby weekend , this has been going on for nearly 6 years now and has now basically become part of our wages because it is so guaranteed , however the company has said while the standby is contractual the amount of hours worked during the standby is not contractual therefore not compensatable, I do understand this - however is there an argument for custom and practice i.e its so regular that its basically become part of our contract.

ok i started this so ill try and keep it going , so far i have had sweet fa from welcome apart from a letter saying it had been passed to the recovery centre??? that was a month ago , have pinged off an email to t/s and to the CRAs to say this is in dispute , CRAs have done their part and put a note on my account , nothing from t/s in over a week, any advise where i can go from here.

I think its probably because you now have no credit , ie no running credit facilities so any companies that view your file will see the defaults (paid or not) and the fact that you no longer have any open running credit on your file so there is nothing to judge how you might handle credit in the future as all they will see are the defaults , this will be why your credit score has gone down , it might be worth challenging the default and having a go at getting them removed, that would help your score no end

oh right just thought that "means that you can’t go overdrawn" ment i couldnt go overdrawn , kinda assumed it was black and white

these are the "benefits" from my account 3 guesses what ive just been charged for!!!!!! Day-to-Day Free day-to-day banking without subscription charges No borrowing facilities mean that you can’t go overdrawn Monthly statements with all your transactions and your balance – by post or online. Or pick up a mini-statement from our cash machines Ways to bank Around 1650 branches make it easy to stay close to your finances Online banking makes it easy to stay on top of your bank account, any time of day or night Telephone banking with UK call centres, open for you 24 hours a day Free mobile phone banking – until December 2008, then pay a monthly fee to get mini statements, weekly balances and more sent to your mobile. More on mobile phone banking

wasnt today the court date , anyone heard anything

i have no idea , it was back 05 , ill just sit tight and see what occurs. thanks for the help

oh that would be bliss , lol just noticed as well they havent even got my address right on this letter , good job the post man knows who i am. sorry to keep asking questions but the basis of getting a default removed , is that because the agreement isnt enforceable and if they send me a copy of the default in my sars and its not the original default notice does that count aswell.

"amend" wouldnt surprise me after the other thread ive just been reading , i sent a request for the agreement along with the sars so hopefully should get that soon , on another note ive heard of welcome actually coming on cag and looking at post ect ... would it be a good idea to take the agreement off the thread or doesnt it matter

thanks for the reply dippy , i sent the sars off on the 17th so ill wait and see , dont know whats happened to the statements they were ment to be sending me , guess ms wright must have something to do with them , oh the waiting game , i hate it!!!!!! , have there been many cases of getting defaults removed with welcome ?

please..:-|

got a letter from welcome yesterday - no statements:mad: just a letter saying it had been passed to Zoe Wright , branch mamager at the central recoveries branch - says she will contact me in the next few days , any ideas , does anyone have an address for the recoveries branch , thanks

Hi Just thought id start this thread as I stupidly mentioned a certain piece of legislation (fraud) as a comeback to non responses for CCAs / SAR ect. Needless to say it wasnt well recieved and i apologise it probably was irresposible so i removed it ,I just wanted to look at different approaches and I just woundered if anyone else is of the same opinion that the banks / loan companies and CRAs are going to start worming their way out of this like they have with the bank charge case. I thought it might be a good idea to try and get some more forms of attack i.e other forms of law / old legislation / european law that type of thing. Just so we all have a bit more ammo when they start crying to the lawyers and try to get all forms of challenging put on hold and then start dragging it though the courts for the rest of time. Any ideas???

it wasnt ment in that way - it was ment in a " i fear you may be in breach of the " type of thing , i wont mention it again.

oh yeah i understand that , just wondered if anyone had ever tried that approach before - i.e might make them hurry up and actually admit they dont have the info a bit quicker