Dreading dealing with Welcome Finance

[postggj]

hi moggy

are you telling me you have a default on your credit file and have no financial dealings with them.

them saying will not affect you in the future is rollocks.

i need you to tell me what exactly is on your credit file ref welcome.

it seems welcome are up the creek over this

 

please send a letter to all three credit ref agencies saying you require a notice of disasociation from your ex

every time you are credit checked, your ex details will show if you dont do this.

its called financial association

[postggj]

if possible

can you scan the relevent parts of your credit file ref welcome,

deleate personel details and ref numbers

post on your thread.

google photo bucket, its free

 

if you do that ill be able to sort this for you

 

realy need to see the entries to comment

 

defamation comes to mind on this one

[postggj]

welcome will ignore you if you challenge them

 

if you have no outstanding debts in the closet, you can view your credit file on line free for 30 days, just cancel before the 30 days expire

 

only do this if you are sure you have no old outstanding debts

[postggj]

hi moggy

 

it looks like you can hang, draw and quarter welcome over this

they have f...ed up big time,

data protetion and consumer credit act

welcome have an obligation to make sure the data they provide the cra has to be acurate

 

please confirm that you have never signed an agreement with welcome.

on your credit file, does it show any ware the word default or status 8.

 

you need to start stacking your ammo now to go full guns with welcome.

 

send welcome a letter with the copy of your credit file showing the welcome markers.

ask for an explanation as you have never had an account.

for good measure, enclose a cca request.

or better an sar request

 

a typical ploy of welcome is to trash peoples credit file so you have to go back to them

 

give them hell over this

 

send by recorded delievery to this address

 

welcome financial services ltd

compliance dept

mere way

ruddington fields business park

ruddington

nottingham

ng11 6nz

 

ill be following this to the end

 

give them hell and good luck

 

i feel you can go after welcome for comp over this

 

they have loans in your name

[postggj]

what can you tell me about the hillesden entry

thats the dca welcome use

[postggj]

use this sar

 

Data Protection Act 1998

 

Subject Access Request

 

Dear Sir/Madam

 

ACCOUNT NUMBER: xxxxxxxxx (or multiple numbers if more than one account)

 

Please supply me with all data that you hold on me. This includes in particular, but is not limited to, the following:-

 

1. The original signed, executed credit agreement and any terms and conditions that applied to the account at the time of default and at the time the account was opened.

2. Transcriptions of all telephone conversations recorded and any notes made in relation to telephone conversations by your company, or by any previous creditor

3. Where there has been any event in my account history over this period which has required manual intervention by any 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 account formerly held with ORIGINAL CREDITOR.

4. True copies of any notice of assignment and/or default notice or enforcement notice that you or the original creditor sent me, with a copy of any proof of postage that you hold.

5. Documents relating to any insurance added to the account, including the insurance contract and terms and conditions, date it was added and deleted (if applicable).

6. Details of any collection charges added to the account; specifically, the date it was levied, the amount of the charge, a detailed financial breakdown of how the charge was calculated, and what the charge covers.

7. Specific details of the fees/charges levied by any other agency in respect of this account and a detailed breakdown of said fees/charges and what each charge relates to and on what date said fees/charges were levied.

8. A genuine copy of any notice of fair use of my data as required by the Data Protection Act 1998

9. A list of third party agencies to whom you have disclosed my personal data and a summary of the nature of the information you have disclosed.

10. Copies of statements for the entire duration of the credit agreement.

 

I enclose the statutory maximum fee of £10. You have 40 days in which to comply.

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.

 

Yours faithfully,

 

 

print but don't sign your name

[postggj]

hi bazarr

 

i apreciate your comments but i take it you have never delt with welcome.

they are the most under hand company you can deal with

they have little regard for the consumer credit/data protection act.

 

the reason to hit them with the sar is they let slip things the should not.

 

its like chess

do your moves then check mate

 

you need all the info they have on you

 

the fos and oft have so many complaints against welcome, this could be the final nail in the coffin

[postggj]

thats fine, nothing to do with welcome

send the sar to the address given and keep updating your thread

this is end game for welcome on this one

[postggj]

it also appears we have our welcome guest

postggj says hello again

[postggj]

hi moggy

cut out every thing but welcome

[postggj]

Subject Access Request

 

they have 40 days to comply

[postggj]

just remind me again when you sent in the sar request

[postggj]

after 40 days

 

send this to welcome

 

 

LETTER BEFORE ACTION

Section 7 – Data Protection Act 1998

 

Dear Sir/Madam

 

Account: xxxxxxxx

 

You have failed to comply with my Data Protection Act Subject Access Request dated (Insert Date).

 

If you do not comply within the next 7 days I shall seek a Court order obliging you to do so together with damages at the discretion of the Court and without any further notice.

 

 

Yours faithfully

 

 

 

 

 

[name]

[postggj]

hi moggy

 

what is in the sar

any agreement

default notice etc

[postggj]

can you confirm again that you have never had an agreement with welcome or am i getting confused.

this is getting very seriouse for welcome

how were payments made

are your details on the dd mandate

[postggj]

have you ever sent a letter to welcome with your signature on it

post the agreements minus personel details

google photo bucket

ime turning in now so ill get back to your thread in the morning

any caggers out there care to comment on this, dont want to go all out guns blazing as fraud is a possability

 

post those docs please

[postggj]

as i understand it your ex had an agreement with welcome.

she was giving you the money and it was being paid through your bank account.

you maintain that you never had an agreement and that on the copy of the agreement there is two signatures, yours and your ex.

 

like i said

post the agreement, default notice, dd mandate onto your thread.

 

you can do this by using a free program called photo bucket.

just google it.

scan the documents onto your pc, then use photo bucket to post.

 

remember to deleate your name, address and account number before posting.

 

we will go forward and sort this out when i have this info