Hi i will scan end email via photobucket and post and a link for the letters would be great regards edwi

Hi glo many thanks for that regards edwi

Hi hi yes i still have the copy and it was debline that told it wasnt a real one they said it was just one of their scare tactics and the credit card i think was about 2004 regards edwi

Hi all looking for some help or advice in 2006 and i was issued with a fake statutory demand by turnbull rutherford solicitors on behalf of hfo services for an mbna credit card debt of £3200 i didnt know at the time the demand was a fake one so made an offer of £50 a month which was accepted but my bank details changed late 2009 and informed hfo who were rather snotty and sent me out a new direct debit mandate after a couple of months said they hadnt recieved the mandate so sent me another early febuary 2010 which i completed and the returned and they never took any money out. still owing them £1700 i recieved a letter from roxburghe in may 2010 stating that i owed them £3100 for a debt i had through hfo and threatening a ccj i ignored them as i had no buisness with them whether i did right or wrong i dont know i was at work last week when my supervisor handed me a piece of paper with the name and number for graham white solicitors saying they said phone them as its urgent one thing led to another and i forgt untill today when my work phoned to say they had been calling all week and that i needed to sort it out as im on holiday this week i phoned the number and the bloke said that i owed the £3200 via hfo and they were the solicitors for roxburghe and threatend me with an attachment of earnings they said we were trying to notify you to let you know whats happening the leap from £1700 to £3200 was due to interest apllied at 1 percent per month and then he started getting ratty saying how are you going to pay so i just hung up on him. Any suggestions please regards edwi

Hi really sorry to hijack you thread but could you tell me how to start a new thread about these people kind regards edwi

HI ALL JUST IN CASE ANYONE DIDNT GET TO READ THIS,I HAVE ONLY JUST STUMBLED ON IT MYSELF 3 LINKS BELOW BBC News - Welcome Finance claims taken over by FSCS http://www.fscs.org.uk/news/2011/march/fscs-declares-welcome-financial-7pghpepm/index.html Welcome Financial Services debt help, reviews, complaints and REGARDS ED

Hi there thats a load of rollocks all you need to do is initial the letter whatever you do dont sign anything for them because you will of given them what they wanted. Regards

HI ALL HAVE A LOOK ON THIS SITE AND CLICK ON NEWS WHEN ON THE CATTLES PLC PAGE,DOSENT LOOK LIKE THEY ARE GOING ANYWHERE LOOK ON THE POST SAYING 13.00 http://www.iii.co.uk/investment/detail?code=cotn:CTT.L&it=le REGARDS ED

Hi all not been on for a while as all is quiet,does anyone know why the welcome thread now says thread closed regards edwi

HI danielman2 I AM STILL WAITING FOR THEM TO COMPLY WITH MY CCA REQUEST YES I HAVE THE CHARGES AND THE DODGY DEFAULT NOTICE REGARDS

HI ALL HERE IS ANOTHER READ RELATED TO MY POST YESTERDAY Cattles Investors Will Get Payout for Backing Plan Cattles Gets Creditors Support To Launch Restructuring - Quick Facts Cattles Gets Sufficient Creditor's Support For Proposed ... Cattles gets lender support launches restructure http://www.google.com/hostednews/ukpress/article/ALeqM5gflpgOUr3CLHLNNTq0Is842cn7ZQ?docId=N0343691291052436131A

Hi all i have been told that there is an article in the sunday times and financial times about cattles plc saying that bondholders should take a haircut or put the company into administration this week regards ed

HI ALL JUST A LITTLE READ OFT investigates lenders' charging orders

Hi ibsys many thanks for your reply and i will send them another copy of the account in dispute and pass it back to welcone i will send it recorded delivery again. Regards edwi

it didnt come out right

Hi there and many thanks for the info ibsys regards edwi

Hi all i received another letter from experto credite today saying despite our attempts to contact you directly by letter and telephone,this matter remains unresolved blah blah blah,then they are asking me to make an offer of payment via direct debit. I sent them a letter last week telling them to return to welcome as they have not complied with cca and that data protection had now been breached, but the thing is welcome paid me compensation a while ago for the threatening phone calls i received a while ago and said all telephone numbers have now been removed when they sent me the cheque but obviously they have now passed them onto experto credite and they cant say we got it from the phone book as we have been ex-directory since we got our landline.surely welcome have now dug a bigger hole. Any advice would be great regards edwi

hi ibsys cheers for that you have been very helpfull regards edwi

hi all just a quick one would the fos be able to squeeze a true cca out of the or should i inform them that they have not complied,sorry dont mean to sound dim regards edwi

hi guys many thanks for your info letter is in the post today and i will keep you updated regards edwi

Hi bo2 many thanks for that if welcome cant produce the true copy then what do they think they are going to do.im not saying i dont owe them any money but im not paying that extra 10,000 interest that i know i havent seen nor signed for. Regards edwi

Many thanks ibsys thats great regards edwi

Hi there and many thanks for your quick reply ibsys if they thought they had any right to all that they are claiming surely they would get their solicitor involved and not some debt collecting agency wouldnt they but i will get a letter of to the debt agency tonight and post what i get next regards edwi

Hi all has anyone heard of experto credite as i have recieved a letter from them today demanding full payment or to set up a suitable repayment plan for my welcome account that they cant supply a true copy of the secured loan agreement and have admitted misseling me ppi but want me to sign a new agreement and i said no as there is about 10 grand more in interest than what i rembered from the original amount,they have only sent me a reconstitued agreement as they say they dont have my original. Please could anyone have a look and tell me what they think regards edwi

RNS Number : 8251U Cattles PLC 22 October 2010  22 October 2010 CATTLES plc INTERIM MANAGEMENT STATEMENT INTRODUCTION Cattles plc ("Cattles") today provides its Interim Management Statement covering the period since 30 June 2010. Cattles announced its audited results for 2008 on 12 May 2010 and intends to announce its audited results for 2009 in the near future. The finalisation of the 2009 Annual Report and Financial Statements is closely linked to the progress made on the restructuring of the Group, which is set out below. As referred to in the previous Interim Management Statement on 19 May 2010, shareholders should be aware that Cattles will be reporting a significant loss for the year ended 31 December 2009 and a negative value for shareholders' funds. Cattles continues to believe that its financial creditors are likely to suffer an aggregate loss of around £1 billion. Consequently, as previously stated on a number of occasions, Cattles continues to believe that the shares have little or no value. The cash collection performance of the Welcome Finance ("Welcome") loan book has met forecast for the first nine months of 2010. Shopacheck and The Lewis Group have continued to make satisfactory progress during 2010. CURRENT TRADING A summary of the performance in 2010 for each of the Group's three businesses is set out below. All financial information for the nine months ended 30 September 2010 and as at 30 September 2010 and 31 December 2009 is unaudited. Welcome Welcome has historically provided direct repayment loans to more than half a million customers from a nationwide branch network. On 16 December 2009, the Cattles Board announced to shareholders that there would be no further lending in Welcome and that instead, the business would focus on a plan of collecting out Welcome's customer loans. Welcome has been successful in implementing this cash collections strategy during 2010 and cash collected from customers in the first nine months of 2010 at £396.6 million met management's expectations. Welcome has also taken steps to reduce its cost base: · On 5 February 2010, the closure of 65 Local Management Branches and Local Collections Units was announced with a reduction in staff of 382 · On 7 May 2010, the closure of 18 branches was announced with a contraction in the current operations management and their support staff in line with the smaller number of branches. As a result, 139 employees left the business · On 2 September 2010, a further 15 branches were closed and changes made to the administration of customer service. As a result, 64 employees have left the business, with a further 76 still at risk of redundancy Welcome now operates from 102 branches and had a total workforce of 1,331 at 30 September 2010 (31 December 2009: 2,284). Welcome's net book value of loans and receivables at 30 September 2010 amounted to £0.8 billion (31 December 2009: £1.1 billion). Shopacheck Shopacheck provides short-term home collected loans through a nationwide branch network and at 30 September 2010 had 223,000 customers (31 December 2009: 227,000 customers). Shopacheck continues to lend to both new and existing customers, but in late 2009 it tightened its credit issuance criteria to improve credit quality in anticipation of the deteriorating economic environment. Despite lower volumes as a result of this decision, Shopacheck has made good progress during 2010 concentrating on growing its agency base and opening a number of new branches to be able to better serve its customers. Key performance indicators, which are in line with management's expectations, are as follows: · 53,000 new customers during the first nine months of 2010 · New loans for the nine months ended 30 September 2010 were £67.3 million · Collections for the nine months ended 30 September 2010 were £114.5 million · Net book value of loans and receivables at 30 September 2010 was £54.0 million (31 December 2009: £64.3 million) The business is now well placed to serve its customers and meet demand during the seasonal peak period. The Lewis Group The Lewis Group provides debt recovery and investigation services to external clients and both Welcome and Shopacheck. In 2010, The Lewis Group has refocused its strategy on contingent debt collection. During 2009, The Lewis Group ceased acquiring debt portfolios, other than on forward flow contractual arrangements. Its commitment to acquire further debt was completed in August 2010. Key performance indicators are as follows: · Cash collections in the nine months to 30 September 2010 were ahead of management's expectations at £76.3 million (2009: £70.9 million) · Debt purchases in the nine months ended 30 September 2010 were £13.6 million (2009: £41.6 million) · Purchased debt balances at 30 September 2010 were £130.8 million (31 December 2009: £145.2 million) The Lewis Group has made progress in developing its contingent debt collection business during 2010 although this market remains highly competitive. RESTRUCTURING As previously announced, the Courts have finally determined that Cattles' claim against Welcome for its inter company debt ranks behind the claims of certain bank creditors. Clarification of this very important issue allowed all parties to accelerate their discussions about the restructuring of the Group's balance sheets. Cattles, Welcome Financial Services Limited and other members of the Group continue to engage in discussions with representatives of certain of their key financial creditors and other stakeholders in order to progress proposals for a consensual restructuring. Discussions presently envisage that, as part of a restructuring, Cattles would compromise its subordinated inter company claims against Welcome Financial Services Limited and other subsidiaries in the Group for not less than £39 million. Such compromise would occur in the event of a sale to a newly incorporated company of either: (i) the entire issued share capital of Cattles (at a price of up to 1p per share); or (ii) certain of its subsidiaries (including Welcome Financial Services Limited) for a nominal payment to Cattles (with no offer to Cattles' shareholders), in either case, together with a creditor scheme of arrangement of Welcome Financial Services Limited. Cattles would use the payment of not less than £39 million to meet its own costs and to compromise amounts it owes to its creditors (which at the last audited balance sheet date of 31 December 2008 totalled £2.8bn). Those discussions remain constructive and demonstrate continuing progress towards a consensual restructuring of the Group although there remain a number of commercial, legal and regulatory issues to be resolved before any such restructuring can be finalised. ENQUIRIES Margaret Young, Executive Chairman, Cattles plc Tel: 020 7269 7252 Paul Felton-Smith, Finance Director, Cattles plc