Hello Sparky, you will be better off sending your SAR to Compliance: Compliance Department Welcome Finance Mere Way Ruddington Fields Business Park Ruddington Nottingham NG11 6NZ You're more likely to get a (sensible) response from them; They will still be there even if your local branch closes. Don't forgot all the normal advice, postal order, print don't sign your name, send recorded. EBOY gave a list in this post, but I don't know where the list came from. http://www.consumeractiongroup.co.uk/forum/show-post/post-2403980.html

Kittie, it is 40 calendar days from when they receive it, so add 2 working days if first class, 4 working days if second class, or send Recorded Signed For. Good luck, I know there are mixed experiences, but they responded promptly to my partner's request (within 3 weeks), and we did discover useful things from it.

Does anyone know what the Welcome "Food Chain" is? I am aware of (from the bottom up): Local Branch Local Management Branch (LMB) Local Collections Unit (LCU) Or in other words how much further do we have to go before we find someone who can talk sense? I am also aware of the Customer Response Centre (CRC), and the Compliance Department in Nottingham. Would we be better cutting out the lower levels and going direct to them?

Hey BO2, not that I wish to disillusion you, but my partner last paid them on her secured loan in May 2008 (apart from a "re-write payment" in December). And they haven't even threatened court action yet! It's a long story and I will get round to posting a thread about it sometime soon. I'm just playing catch-up reading on this thread, but she too got the "generous" settlement offer - 80% of the outstanding balance!

BB, one reason the DN is defective (irrespective of the manner in which it was posted to you, and the length of time it has taken to arrive), is in those dates. The date they give you must be a date at least 14 days from the date of service, which is defined as the date of posting plus 2 days if they choose to use first class post.

Lexis, my view is that I would not offer them anything for two main reasons: they are not entitled to anything (being in default of your CCA request); it may give them "added vigour for being obstructive (by making them think you're backing down)". I think you should send your excellent letter. However send it to the department you are currently dealing with, copied to the CEO (and clearly marked as such). That should sharpen their minds.

There you go Andie, is this the one you are looking for: http://www.consumerforums.com/resources/templates-library/86-debt-collectors/571-failiure-to-provide-a-copy-of-the-agreement-within-the-prescribed-timescale.html