thanks for the advice and support. so i can withhold the payments legally? (just trying to clarify as our loan is secured on our house) can they add the with held payments to the arrears?

i have sent a cca request on 31/07/2009 to compliance. now i would like to know, if wf do not comlpy within the 12+2 days, can i safely withhold payments considering that our loan is secured and in arrears? would be grateful if someone can advise me on the legalities of this, or give advice based on their experience. regards, lawrence.

thanks

oh yes! i checked some of my threads, and i could have put this question on some one of them and brought the thread back up the list as you said. yes, could you merge all my theads in order of posting with the title as the title of the first thread please? thanks, lawrence.

they are all about wf, but about different issues with them. some issues in the threads may overlap, but as new threads are posted etc some older threads go lower in the listings and dont always get read/answered. so to ask a specific question about our wf loan i have posted a new thread. regards, lawrence.

i have sent a cca request on 31/07/2009 to compliance. now i would like to know, if wf do not comlpy within the 12+2 days, can i safely withhold payments considering that our loan is secured and in arrears? would be grateful if someone can advise me on the legalities of this, or give advice based on their experience. regards, lawrence.

is it right/legal for them to charge interest on the ppi?

should wf add the ppi amount to the loan and then charge interest for both?

should wf add the ppi amount to the loan and then charge interest for both?

so if(when) wf/cattles go into administration, what will that mean for people like us with a loan or secured loan that is in arrears? will these accounts be pursued more aggressively to recoupe some money etc?

had a call this morning from wf man from their local office asking me for an update on whether i can pay the rest of the payment this month, i said that i cant but will try to pay extra next month if i have enough money etc. he asked/suggested that/if we can refinance to settle the wf loan or arrears by getting another loan/remortgage, i said no as we have a fixed rate mortgage until 08/2010. are they allowed to suggest things like that? and how desperate are wf to suggest things like that!?

ok, i will send a letter of complaint, and also cca request, sar, and ppi miss-sold letters and see how they respond. i am concerned that they might try to repossess our house though.

what address is it best to send the cca and ppi reclaiming/miss-sold letters to?

hi, can anyone help with the question in my thread please? "welcome finance offered reduced payments... then added the shortfall to the arrears" regards, lawrence.

if the account goes into dispute and you withhold payments, can/do they add the missed payments onto the arrears?

well i spoke to them today(local office) and told them i could not pay the usual £305ish, but i could pay £155.00 and i told them that i have been selling things etc to try to meet the payment. they took a payment from me for £150.00, and they said things along the lines of that i should try to borrow money off people i know, and/or sell things, so i can pay them, and told me that i have to pay the rest by friday 31/07/09 or they dont know what will happen to my account!!!

ok. will it be safe to let it go to their collection people or we be risking repossession as its a secured loan?

hi, some details of our secured loan are on my other threads. a few months ago, due to us having difficulty paying the installments of around £305.00 p/m on our loan, wf offered to let us pay £155.00 p/m with a view to re-write the loan for lower monthly repayments, the re-write did not happen(which i am glad of after looking into wf a bit more). now wf want the full monthly repayments and are saying the shortfall in monthly payments that has built up has been added to contractual arrears, which is now around £900.00. we made the mistake of not getting the reduced payment arrangment in writing(the arrangment was made in the local wf office). is there anything that can be done about this situation? as they say we are now paying mostly interest each month, and a local wf agent told me on the phone something about the head office wanting peoples arrears to be chased up for payment. regards, lawrence.

Hi. i am about to start trying to reclaim miss-sold ppi etc on our secured wf loan. how do i put the account into dispute? do i need to keep the monthly repayments up to date while the accounts in dispute? p.s. i spoke to our local wf office and asked about cancelling the ppi etc. they said something like; we should send the local office the request to cancel the ppi etc, which they will then forward to head office, then if they're going to refund it(which would be a partial refund), that they would do this by taking it off the balance of the loan which would reduce the term of the loan but not the monthly repayments!!!!! is that legal? regards, lawrence.

hi. apologies for going off the point of your thread but need some advice please. if you put a secured wf loan into dispute over ppi then do you have to keep up the monthly payments while it is in dispute? regards, lawrence

could someone please have a look at my thread?! maybe someone here could offer me some advice. thanks. regards, lawrence.

Thanks for the reply. if i start a dispute, do i need to keep up the monthly payments?

hi, i'm new to posting on this forum. could anyone advise me please? my wife and i took out a joint secured loan with wf(our house is in my name) and then a new loan to pay the first off and give us more money etc. a few things seem like they may be dodgey about our loan agreement to me; on the second loan the wf agent signed as the witness, they said we had to take ppi etc to get the loan, even though my wife and i work as agency workers(and then they only put it in my wifes name), i did not sign a from saying that they could put a charge on our property and we have not recieved a letter from wf to say that they have, or a letter from the land registry saying that a charge has been put on our property. do you think that any or all of these things would make our loan unenforceable? and do you think that we have a case to reclaim ppi? advice would be appreciated regards, lawfrodo

hi, i'm new to posting on this forum. could anyone advise me please? my wife and i took out a joint secured loan with wf(our house is in my name) and then a new loan to pay the first off and give us more money etc. a few things seem like they may be dodgey about our loan agreement to me; on the second loan the wf agent signed as the witness, they said we had to take ppi etc to get the loan, even though my wife and i work as agency workers(and then they only put it in my wifes name), i did not sign a from saying that they could put a charge on our property and we have not recieved a letter from wf to say that they have, or a letter from the land registry saying that a charge has been put on our property. do you think that any or all of these things would make our loan unenforceable? and do you think that we have a case to reclaim ppi? advice would be appreciated regards, lawrence