welcome finance

[petermac1]

hi everyone, i took a small loan with them 1500 pounds,was paying it on all in time.

 

then the couuncil tax dept had put a wages arrestment,for council tax 15years ago

 

but that meant i coulnt aford tp pay the loan.

 

i havent payed it for 4 months, am considering a iva for all my debt

 

but the thing i want to ask,welcomefinance are threating with wages arestment, can the do this

 

thanks peter

[dx100uk]

no.

they can threaten what they like

they have no loegal powers!

 

have a good read in the welcome finance forum

 

these people are the pits,

 

 

dx

[maroondevo52]

Hello and Welcome, peter.

 

I'll move this thread to the appropriate Forum, where hopefully you'll get more help.

 

Regards.

 

Scott.

[andie_303]

Hi - Peter I can concur with DX - Welcome are the pits!!!

 

Before doing anything with these people you need to level the playing field - send them a CCA request - enclose a £1 postal order and send to their head office in Nottingham.

 

The reson for doing this is you need to see what Welcome have got - namely a lot of the time Welcome do not have an original copy of your CCA - without that they cannot do ANYTHING.

 

Next is report them to OFT and Trading Standards - believe me both bodies KNOW about Welcome and their behaviour.

 

In the meantime do you have a copy of the agreement if so can you scan and upload it using photobucket so we can see it - there may be things we can do to help.

 

If you can do this remember to block out any personal details but leave the figures in.

[andie_303]

Your home address)

 

Date:

 

 

To:

 

Dear Sir/Madam

 

Account/Ref No:

 

With reference to the above agreement, I/we request you send me/us a copy of this credit agreement and a full breakdown of the account including any interest or charges applied.

 

I/we understand that under the Consumer Credit Act 1974 [sections 77-79], I am/we are entitled to receive a copy of any credit agreement and a statement of account on request.

 

I/we enclose a payment of £1 which represents the fee payable under the Consumer Credit Act 1974.

 

I/we understand a copy of any credit agreement along with a statement of account should be supplied within 12+2 days from the above date. Therefore this should be recieved no later than [insert date].

 

I/we understand that under the Consumer Credit Act 1974 creditors are unable to enforce an agreement if they fail to comply with the request for a copy of the agreement and statement of account under these sections of the Act.

 

I/we look forward to hearing from you.

 

Yours faithfully

 

 

 

Your name. - PRINT DO NOT SIGN ANYTHING!!!

[petermac1]

thank you everyone,what wfc

have said if i dont pay 128pounds by 30th of april,they will go to the courts for a wages arestment and also they have been charging 10 pound a phone,which i dont know if they have phoned,and they have been phoning my work

 

its stress me out

 

i have a scanner,i will try and upload the cca, its easy to do,where do i find photo bucket

 

thank again peter

[maroondevo52]

Hi, peter.

 

Image hosting, free photo sharing & video sharing at Photobucket

 

There's a tutorial here..........

 

http://www.consumeractiongroup.co.uk/forum/bear-garden/165941-photobucket-video-tutorial.html

 

Regards.

 

Scott.

Edited April 26, 2009 by maroondevo52

[Ell-enn]

Hi there, Welcome would need to get a court order to arrest your wages. They would have to take you to court, get a CCJ and then if you defaulted on that they could ask for an attachment of earnings - even then you have the chance to defend and ask to make payments yourself.

 

Are you able to make even small payments towards the loan? If so you need to write to Welcome enclosing a budget sheet showing what you can pay. If you need help with this, just shout

[dx100uk]

i'd get an sar off to them too, unless you already know all the charges they have levied on you,

get a claim in, + interest,

charging £10 a phone call! what next,

oh l moved a piece of paperconcerning your A/C on my desk yesterday...that will be £1!!!

 

reclaim the lot!!

 

not par chance got PPI with them have you??

 

 

 

dx