Hi Guys I'm back:| We last wrote to Welcome on 19/05/2010 stating a new address and also saying that we were still awaiting a reply from our letter dated 07th April 2010 ....See post 381. This letter was sent to the local office and also to compliance.......... We have heard nothing from them for over a year.....no reply to our previous letters.....no statement of account....NOTHING. We have in the last three weeks received three letters from Experto Credite requesing payment of £6500.87........... for a £2500 loan. They admitted that the ppi had been misold but as we did not return their questionaire it seems that this is still on the loan................we would not sign a new agreement until the matter was sorted properly. The last letter received from Experto Credite says that as a final option prior to any escalation they are prepared to offer an instalment plan of £10 per month. After a quick phone call it appears this would be for six months only....... I dont know what to do now. Should we write to Experto Credite....are Welcome within their rights to pass this account on while it is in dispute.Or should we write to Welcome saying that we are still awaiting a reply to our prevoius letters and also a Statement of account. Would it be worth doing another SAR on Welcome. Any ideas would be really appreciated......if anyone has the time to read back through my thread LOL. Thanks Peeps Dawny xx PS ...I have just read the sticky at the top of this forum regarding the FSCS waging war with Welcome and PPI.......We have not recieved a form or anything from them......Do you think we should contact the FSCS or is it too late now they have passed this account on.

Good Luck Beyond......fingers crossed it goes ok for you. xxxxxx

Good luck Beyond xxxxxxxxxxxxxxxxxxx

:lol::lol::D:D:D

I totally agree with both of you. It's made me realise that even big companies (who should know the ins and outs of the law)can be wrong. They rely on the fact that most people ( me included) are quite gullible and will give up without a fight. NOT ANYMORE. Thank you to all who give advice on this site. Dawnx

:-). Hope they sell ours soon then....we could just about manage 2% as full and final.....:grin:

Hi Beyond....LOL to 2nd May default...Must have sent a whole batch out. Just rang nice girl at the local office and she says our account has now been transferred to Head Office..(wonder if local office may be closing) Rang head office.....passed from desk to desk and then put on hold for ages so hung up......no one seems to know whats going on:rolleyes: Going to wait till tomorrow see what happens re their promised four weeks and then will try to put a letter together.I will post it on here for comments before posting. Love Dawnx

Hi Guys Still awaiting their reply to our quesrions which we should have within the next two days if they stick to what they said in their last letter giving themselves four weeks. Been away and came back to Default Notice. This states it has to be dealt with within 14 days from the date of the notice...........the notice is dated May 2nd.....a Sunday.....before the bank holiday Monday......would they really be working on that day. I have the envelope which has no date but it is printed with some sort of code and zone. Can anyone tell me if I ought to reply to this or are people ignoring them and waiting to see what happens next. Any ideas what to do next folks would be gresatly appreciated. Hope everyones well....going to catch up on the threads now. Love Dawnx

Just a little bump for you Sorry I can't help xx

Hi Guys, Had a final response yesterday......................................it's an exact copy of the final response and restructured loan agreement that they sent us two months ago!!!!!!!!!!!!!!!! However....I have now noticed that the letter we received a few days ago saying that they would reply to our queries within four weeks has a different complaint number........ Obviously two people..two desks..... We are going to ignore this final response for now and await another one from the other desk.:lol: Dawnxx

Great news Mark......Keep at 'em. All the best Dawnx

:D:D:D maybe we have the same local office.

I know.....I just hope they dont close the local branch before we have sorted this....... I do realise how lucky we are not having much hassle when I read some of the horrendous stories on here.I just hope I am not speaking too soon:rolleyes:. Touch wood............ All the best Dawnx

Hi DJ and Beyond. Last week we had a phone call from local branch asking how things were going...LOL.You would think that they could look on their system wouldn't you:roll:.Anyway we said we were still awaiting a reply re our complaints and she said ok.....She really is very nice:).....dont know why she works there!!!! Had a letter at the end of last week from compliance just to say that they are still looking into our complaints and they hope to have a reply to us within four weeks. The time we gave them in our letter is up tomorrow but we will just wait patiently. Nothing is being paid at the moment ..... Will let you know as soon as we get anything back. Dawnx

Send the above to... Welcome Finance Compliance Department Mere Way Ruddington Fields Business Park Ruddington Nottingham NG11 6NZ. Send Recorded delivery and DO NOT SIGN xx

Hi Jooshy, Just found this on the main thread for you..... .......... you can request a copy of your finance agreement under the CCA something like this should do :- -------------------------------------------------------- Dear Sir/Madam Re:− Account/Agreement Number :- XXXXXXX Customer Number:- XXXXXXX (If Applicable) With reference to the above agreement, we would be grateful if you would send us a copy of this credit agreement. We understand that under the Consumer Credit Act 1974 (Sections 77−79), we are entitled to receive a copy of our credit agreement on request. We enclose a payment of £1.00 which represents the fee payable under the Consumer Credit Act. We understand a copy of our credit agreement should be supplied within 12 working days. We understand that under the Consumer Credit Act creditors are unable to enforce an agreement if they fail to comply with a request for a copy of the agreement under these sections of the Act. We look forward to hearing from you. Yours faithfully --------------------------------------- Good luck Dawnx

Subject Access Request should get Welcome to send you everything that they hold on you re all accounts that you have had with them.Below is the one I sent.....Send along with £10 postal order.Post Recorded Delivery and DO NOT SIGN. Good Luck. xx Dawn. Dear Sir/Madam ACCOUNT NUMBER: xxxxxxxxx (or multiple numbers if more than one account) Please supply me with copies of all the data which you hold on me in relation to any matter and in any form and for any period of time. Please note that I require disclosure of any personal data which you hold on me for the entire period of my dealings with you. The Subject Access is not limited to my transaction history and it is not limited merely to 6 years of historical information. Additionally, where there has been any event in my account history over this period which has required manual intervention by any member of your staff, or any other person, I require disclosure of any indication or notes which have either caused or resulted in that manual intervention, or other evidence of that manual intervention in relation to my financial business with you. I require all information on details of all insurance products supplied by welcome financial services. This is to include the statement of means, statement of price, details of all insurance premium tax paid, and underwriting sheets. If mortage indemnity insurance has been added to the agreement, i require all details on who this premium was paid to, and who underwrites this insurance. If you are unable to supply this data because there has been no such manual intervention, then please be so kind as to confirm this in your response. I enclose the statutory maximum fee of £10. You have 40 days in which to comply. Furthermore, if I discover that you have levied disproportionate penalties or charges which are invalid under the Unfair Terms in Consumer Contracts Regulations against me, then I shall be reclaiming them together with any interest charges which you have levied on them. As it is your wrongdoing and mishandling of my account which has created the necessity for this Subject Access Request, I shall also be reclaiming the enclosed £10 Data Protection Act subject access request fee. If there is specific information which you require in order to satisfy yourself as to my identity, please let me know by return. However, please note that the above address is the one which you normally use to communicate my private business to me and which you have hitherto found to be acceptable. I would be happy to collect the Data from my local branch. Yours faithfully, [signature] [name] send to welcome financial services compliance ruddington fields business park ruddington nottingham ng11 6nz

I think there was something on Ozzywizards own thread about this. Dawnx

Wishing you all the best. Dawnx

Maybe they upped your interest rate. On most of the agreements posted on here there is a clause that says they can do this although they should give 14 days written notice. Have a look at clause 1 (b) in your Terms and conditions. This seems most unfair though when an agreement is signed for a certain interest rate with monthly payments stated.....but that's Welcome!!! Dawnx

Totally agree with Bebo.....a great letter that SHOULD8) get their attention. Even I can understand that so Welcome should have no problem;-) Good Luck. Dawnx

Good luck Beyond.....Have a lovely Easter now ...you have done all the hard work.....Now take a little break. Dawnxx

Thanks PWG and Beyond. I am away now until Monday and then will get letter printed and sent next week. Good luck with the poc Beyond:)......and Happy Easter to everyone. Best wishes Dawnx

Yep.Thanks Ozzy.I will do 14 days....The account in dispute letter 8 weeks will be up on 21st April so if I send this after Easter and give 14 days they should both coincide....... Thanks for reading my letter Dawnx