DG30
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Posts
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sent Lowell group an e-mail this morning saying received their letter however will not be acting on this due to 1) the statement proves nothing as dated 15th Feb 2013 with no mention of Welcome on the paper (payments made did tie up to my bank) 2) no supporting documentation proving that this was as agreed and signed by myself 3) complaint with Welcome outstanding 4) complaint with Financial ombudsman outstanding 5) SAR request outstanding
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I didn't send by recorded delivery so will be re-submitting
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UPDATE - I received a letter from Lowell with a copy of Statement attached which showed that the £3071 was outstanding and a sentence stating "Welcome state the vehicle was voluntary terminated and you had a liability of £2942.36 balance which you were aware of, plus any interest and charges for non-payment" There was no supporting documents as evidence that I "knew" about this or any reason why this is. I have filed complaints with Welcome directly and Financial ombudsman but no response as yet (both submitted 30th Jan)
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Totally understood. They kept calling mobile and house phone, unfortunately my missus picked up the house phone and passed it to me. Told them I would not be paying any money nor discussing any further until my complaint with Welcome is satisfied
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I spoke to the DCA (Lowell Group) who advised they too have requested copies of all paperwork. I have also logged a complaint with Financial Ombudsman requesting them to investigate
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Was searching through paperwork at the weekend and found vehicle collection paperwork from Welcome Finance and noticed that the account number does not match up with the account number they have specified in relationship to the outstanding arrears. The plot now thickens as the two account numbers provided which has been used to determine the PPI refund were for personal loans dating back to 2003 and 2004 AND NOT for the Car Lease.
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Thanks for the advise Will be back for round 2 of the battle with welcome when have more information to share
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Will have to request as have changed banks since this was from 8 years ago when I closed it
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Welcome accounts do not show on my credit file MBNA shows on my file however account number shows as xxxx- xxxx and MBNA claim they cant find my account on their system I destroyed documents when I moved 4 years ago
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The CMC advised that the offer lined up with their calculations I have requested all written document as you advised The welcome account (s) do not show ony credit file and only other is mbna however have no old documentation and credit file blanks the account number so they are claiming they cant find my account on system
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sorry should have added the other account was for a loan couple years before which was paid in full. During calls with Welcome they did confirm this. The offset is only against one account
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Also, I forgot to mention that the total offer was made from 2 seperate accounts (loans) I had from Welcome. Would this change anything?
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I have filled in the FOS complaint form and will send by recorded delivery tomorrow Where would I stand on Welcome statement that I only have 30 days to accept the offer?
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Do I need to request this review in writing to FOS or can it be made by phonecall?
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That is correct. The 'debt' was sold to Lowell Group as of 29/08/2012. I told FO this was the case and still had the response that they are able to Welcome response was they have lost money therefore this is set-off to re-claim the money they have lost
