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sjl2

By sjl2
in Loan brokers/credit brokers

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sjl2

sjl2

Posted
Posted (edited)

Hi All,

I am writing to see if anyone can advise me what is best to do in relation to an old debt I had a while ago.

I got a personal loan from Welcome Financial Services in 2004.

In 2006 I declared myself bankrupt and this loan was included in the bankruptcy. Welcome Financial are still chasing me for this money, even though I have written to them a number of times, I have written to a debt collectors collecting on their behalf (and the debt collectors have agreed that there is no debt to pay, and have written back to me that they have advised Welcome of this). I have gone into their local branch and have given the branch manager a copy of my bankruptcy notice and received a signature on a typed receipt from both the manager and another member of staff agreeing that they have received it - and confirmed my identity. I have received a letter from Welcome that requests a copy of the bankruptcy - sent to my previous address, but when I write back to them, they never receive my letters! Funny isn't it???

 

Welcome Financial Services also hold an entry on my credit file which shows this money still outstanding, and experian refuse to remove or edit it as Welcome are telling them it is correct. I have written to the ICO and they want proof that the debt was included in the bankruptcy. I have been in touch with the official receiver, who tell me that this may cost me to get this proof.

 

I have recently received a letter from another debt collection agency (Howard Cohen) advising they are now chasing the debt. My reply was a hand written letter - "Please advise which court to attend".

Where do I go from here?:x

Many Thanks for your help in advance;

Ste

Edited by sjl2
Adding details

MAKE SURE YOU USE RECORDED DELIVERY for all letters you send.

 

Make sure you tell them that you are disputing the account and keep a copy of all receipts for letters that the post office give you and keep a copy of all letters - from you to them and also from them to you.

Good Luck!

Ste

 

P.S. This is what I would do...... Make sure you get more advice before doing anything and check anything I say with someone more qualified in this area. This is only my opinion.

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sjl2

sjl2

Posted
  • Author
Posted

Hi Postggj,

I had discharge exactly 12 months from the date of the bankruptcy.

It was not something I wanted to do but had so many problems before this that I took legal advice from a number of sources before going ahead with it. Bankruptcy date was April 2006, discharge date was April 2007.

Many Thanks,

Ste

MAKE SURE YOU USE RECORDED DELIVERY for all letters you send.

 

Make sure you tell them that you are disputing the account and keep a copy of all receipts for letters that the post office give you and keep a copy of all letters - from you to them and also from them to you.

Good Luck!

Ste

 

P.S. This is what I would do...... Make sure you get more advice before doing anything and check anything I say with someone more qualified in this area. This is only my opinion.

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postggj

postggj

Posted
Posted

mr cohen is welcomes lap dog

his co is a solicitors practice

 

he gives the profession a bad name like a mr carter

 

if it was me i would ignore

let him waste his money and put in a claim

hit him for costs then as the claim is vexatiouse and request from the judge an order for the destruction of all data ref welcome

 

if its 100% included in the bankrupcy

 

no probs

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sjl2

sjl2

Posted
  • Author
Posted

It is just frustrating that they have still after all this time got an outstanding debt showing on my credit files - this is one of the very few items left to deal with, and this seems to be stopping me getting any regular credit - bank accounts / cards etc.

I have decided to just let them take me to court, but can I request the judge to order a change to my credit file? Do I need a copy of the statement of affairs - and if so, is there a way to get hold of this which is not likely to cost a fortune?

Many Thanks,

Ste

MAKE SURE YOU USE RECORDED DELIVERY for all letters you send.

 

Make sure you tell them that you are disputing the account and keep a copy of all receipts for letters that the post office give you and keep a copy of all letters - from you to them and also from them to you.

Good Luck!

Ste

 

P.S. This is what I would do...... Make sure you get more advice before doing anything and check anything I say with someone more qualified in this area. This is only my opinion.

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sjl2

sjl2

Posted
  • Author
Posted

hit him for costs then as the claim is vexatiouse

Please can you explain this phrase? I do not understand?

Thanks.

MAKE SURE YOU USE RECORDED DELIVERY for all letters you send.

 

Make sure you tell them that you are disputing the account and keep a copy of all receipts for letters that the post office give you and keep a copy of all letters - from you to them and also from them to you.

Good Luck!

Ste

 

P.S. This is what I would do...... Make sure you get more advice before doing anything and check anything I say with someone more qualified in this area. This is only my opinion.

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sjl2

sjl2

Posted
  • Author
Posted
But Does The Bankrupcy Stay On Your File For Six Years Even Though Discharged

 

Yes, it will show for 6 years from the initial order date.

All monies owed should show (if they were already at default) as a default, but also as settled.

The Welcome account shows as an outstanding balance of over £5k.

Thanks.

MAKE SURE YOU USE RECORDED DELIVERY for all letters you send.

 

Make sure you tell them that you are disputing the account and keep a copy of all receipts for letters that the post office give you and keep a copy of all letters - from you to them and also from them to you.

Good Luck!

Ste

 

P.S. This is what I would do...... Make sure you get more advice before doing anything and check anything I say with someone more qualified in this area. This is only my opinion.

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postggj

postggj

Posted
Posted

This Is Going To Be A Bitter Pill To Swollow Ime Afraid

 

Even Though The Bankrupcy Has Been Discharged.

It Will Still Stay On Your Credit File For Six Years

 

Credit Companies Take One Look And Your History

 

You Will Get Credit But At A Very Very High Apr

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sjl2

sjl2

Posted
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Posted
This Is Going To Be A Bitter Pill To Swollow Ime Afraid

 

Even Though The Bankrupcy Has Been Discharged.

It Will Still Stay On Your Credit File For Six Years

 

Thanks - I found that out before I went to court - I made sure I knew the consequences well in advance and got advice from a number of sources regarding my debts.

The only issue I now have is that Welcome are still chasing and refusing to change my credit files!:(

MAKE SURE YOU USE RECORDED DELIVERY for all letters you send.

 

Make sure you tell them that you are disputing the account and keep a copy of all receipts for letters that the post office give you and keep a copy of all letters - from you to them and also from them to you.

Good Luck!

Ste

 

P.S. This is what I would do...... Make sure you get more advice before doing anything and check anything I say with someone more qualified in this area. This is only my opinion.

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sjl2

sjl2

Posted
  • Author
Posted

There is one ray of light at the end of the tunnel - in October last year I managed to get a contract mobile which I am religeously paying each month, and this will be boosting my credit file every month.

This has gotta be a bonus???

Ste

MAKE SURE YOU USE RECORDED DELIVERY for all letters you send.

 

Make sure you tell them that you are disputing the account and keep a copy of all receipts for letters that the post office give you and keep a copy of all letters - from you to them and also from them to you.

Good Luck!

Ste

 

P.S. This is what I would do...... Make sure you get more advice before doing anything and check anything I say with someone more qualified in this area. This is only my opinion.

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postggj

postggj

Posted
Posted

Ok

 

Send Welcome A Letter By Recorded Delievery

I Know You Have Allready Done It But

 

Send It Again To The Address Below

 

Enclose Your Bankrupcy Cirtificate (copy) Or Number

 

Demand They Remove Themselves From Your Crdit Files And Call Off Mr Cohen

 

Tell Them Any Further Action Is A Offence Under The Addmin Of Justice Act And Further Action Will Be Taken

 

Send Recorded Delievery And Say That This Letter Is Subject To There Complaints Procedure

 

Welcome Financial Services

Compliance

Ruddington Fields Biz Park

Ruddington

Nottingham

Ng11 6nz

 

 

TRY A CAP 1 CARD IF YOU CAN STOMACH THE 35% APR

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sjl2

sjl2

Posted
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Posted

Thanks - I will try writing again - I have tried Capital 1 but have been turned down a few times over the last few yrs! The only offer I have had was from a dodgy loan broker company who want a £55 payment up front!

I might not be the brightest bulb in the pack but I'm not that dim!

Ste

MAKE SURE YOU USE RECORDED DELIVERY for all letters you send.

 

Make sure you tell them that you are disputing the account and keep a copy of all receipts for letters that the post office give you and keep a copy of all letters - from you to them and also from them to you.

Good Luck!

Ste

 

P.S. This is what I would do...... Make sure you get more advice before doing anything and check anything I say with someone more qualified in this area. This is only my opinion.

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sjl2

sjl2

Posted
  • Author
Posted
Not Wentworth Or Yes Loans Was It

 

Have You Tried Vanquish

 

High Apr Again Though

 

 

Wentworth was the one! Funny that - I didn't even mention the name but you knew! That tallies up with about 70 per cent of the research that I did today - when they phone me back tomorrow they will be getting told to remove me from their systems!

 

I have tried Vanquish by the way. At the moment I only have pre paid cards - and only one of them has a credit scoring system.

MAKE SURE YOU USE RECORDED DELIVERY for all letters you send.

 

Make sure you tell them that you are disputing the account and keep a copy of all receipts for letters that the post office give you and keep a copy of all letters - from you to them and also from them to you.

Good Luck!

Ste

 

P.S. This is what I would do...... Make sure you get more advice before doing anything and check anything I say with someone more qualified in this area. This is only my opinion.

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  • 2 months later...
sjl2

sjl2

Posted
  • Author
Posted

Hi All,

It has been a while since I posted on this, so a bit of an update to assist anyone else who may find this useful.....

 

I got in touch with the information comissioners office and asked them what to do in this case, they told me to get hold of a copy of my statement of affairs from the insolvency service or the local county court where the bankruptcy was declared, then forward this to them.

 

This would prove that the debt was included in the bankruptcy and they should then instruct the credit reference agencies to amend my credit file to show that the debt is still at default, but also satisfied.

 

I am waiting for my statement of affairs which should come at some point this week.

 

I will write at some point (hopefully very soon) with an outcome to the case!

 

It has been a nightmare going bankrupt, and I would not recommend it and if there was any other way at the time I would have taken it; but at the time there was no other option - this was confirmed with a number of debt management companies and also with citizens advice bureaux.

Please do not think this is an easy way out!

Ste

MAKE SURE YOU USE RECORDED DELIVERY for all letters you send.

 

Make sure you tell them that you are disputing the account and keep a copy of all receipts for letters that the post office give you and keep a copy of all letters - from you to them and also from them to you.

Good Luck!

Ste

 

P.S. This is what I would do...... Make sure you get more advice before doing anything and check anything I say with someone more qualified in this area. This is only my opinion.

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sjl2

sjl2

Posted
  • Author
Posted (edited)

P.S. After much searching, I have found a useful post at MoneySavingExpert.com Forums - View Single Post - Credit Reference File Clean Up Post Bankruptcy

Which should help sort this out......

 

P.S. (If I am not supposed to put this here please tell me and I will remove it!)

Edited by sjl2
Adding legal bit at end.....

MAKE SURE YOU USE RECORDED DELIVERY for all letters you send.

 

Make sure you tell them that you are disputing the account and keep a copy of all receipts for letters that the post office give you and keep a copy of all letters - from you to them and also from them to you.

Good Luck!

Ste

 

P.S. This is what I would do...... Make sure you get more advice before doing anything and check anything I say with someone more qualified in this area. This is only my opinion.

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sjl2

sjl2

Posted
  • Author
Posted

Data Protection Register - Entry Details

 

 

Registration Number: Z7484777 Date Registered: 21 January 2003

Registration Expires: 20 January 2010

 

Data Controller: WELCOME FINANCIAL SERVICES LTD

 

 

Address:

KINGSTON HOUSE

CENTRE 27 BUSINESS PARK

WOODHEAD ROAD

BIRSTALL

BATLEY

WF17 9TD

Other Names:

TELEPLAN RENTALS

WELCOME FINANCIAL SERVICES

SHOPACHECK FINANCIAL SERVICES

CHEQUE EXPRESS

WATSON PERSONAL FINANCE

MACADAM FINANCE

J H EVANS

P L SCHOFIELD

AAA LOANS

ATLAS COLLECTIONS

WELCOME CAR FINANCE

DIAL4ALOAN

WELCOME MORTGAGES

SHOPACHECK DIRECT

MAKE SURE YOU USE RECORDED DELIVERY for all letters you send.

 

Make sure you tell them that you are disputing the account and keep a copy of all receipts for letters that the post office give you and keep a copy of all letters - from you to them and also from them to you.

Good Luck!

Ste

 

P.S. This is what I would do...... Make sure you get more advice before doing anything and check anything I say with someone more qualified in this area. This is only my opinion.

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  • 1 month later...
sjl2

sjl2

Posted
  • Author
Posted

Hi All,

After many letters, many more calls......

 

I have been told today (verbally) by Peter in collections department that I have a letter on the way which writes off the debt - and also agrees to correct the credit reference files.......

I think I may actually believe it when I see it in writing!

I think that this has only been resolved by writing to the data controller, so if anyone else is in a similar situation, then the advice I can offer is - find out the data controller by searching the data protection commisioners website and write a "signed for" letter to them threatening them with the data protection commisioners.

Many Thanks to all whose posts have helped - however small or large. It is really appreciated.

MAKE SURE YOU USE RECORDED DELIVERY for all letters you send.

 

Make sure you tell them that you are disputing the account and keep a copy of all receipts for letters that the post office give you and keep a copy of all letters - from you to them and also from them to you.

Good Luck!

Ste

 

P.S. This is what I would do...... Make sure you get more advice before doing anything and check anything I say with someone more qualified in this area. This is only my opinion.

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sjl2

sjl2

Posted
  • Author
Posted

I think that this entry has been the one item that has been causing many many refused credit cards......

A lot of self control is gonna be needed if I can actually get a credit card now!

Ste

MAKE SURE YOU USE RECORDED DELIVERY for all letters you send.

 

Make sure you tell them that you are disputing the account and keep a copy of all receipts for letters that the post office give you and keep a copy of all letters - from you to them and also from them to you.

Good Luck!

Ste

 

P.S. This is what I would do...... Make sure you get more advice before doing anything and check anything I say with someone more qualified in this area. This is only my opinion.

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postggj

postggj

Posted
Posted

restraint please

 

after i got a clean credit file i applied for a cap 1 card

they gave me a credit limit of 1700 quid

 

wrote back and demanded it be reduced to 500

 

every time i got a statement

up went the credit limit

 

if they dont play ball, go to another provider

 

you will find loads of people contacting you now for credit

 

keep self control and good luck

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sjl2

sjl2

Posted
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Posted

I realise that I need to use incredible self control, but as I work as a mobile computer engineer, there has been a number of times that I have been stuck on the road after 30 hours none - stop; and no money for a travel lodge - it would only be used for essentials!

Many Thanks once again.

Ste

MAKE SURE YOU USE RECORDED DELIVERY for all letters you send.

 

Make sure you tell them that you are disputing the account and keep a copy of all receipts for letters that the post office give you and keep a copy of all letters - from you to them and also from them to you.

Good Luck!

Ste

 

P.S. This is what I would do...... Make sure you get more advice before doing anything and check anything I say with someone more qualified in this area. This is only my opinion.

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