Jump to content


welcome nightmare


tamthetaper
style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 4500 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

i am now going to send follow up letter i,ve giving them more than enough chances. do you have any advice on a follow up letter

 

Click on the link and choose the one thats most approprate to you.

 

http://www.consumeractiongroup.co.uk/forum/content.php?593-Data-Protection-Act-Non-Compliance-Template-Letters

Link to post
Share on other sites

  • Replies 167
  • Created
  • Last Reply

Top Posters In This Topic

Top Posters In This Topic

just phoned the solicitors who welcome appointed to take me to court

opening balance £9664 been paying £100 month for 16 month

balance sitting as of today £9965

sending follow up letter to get signed agreement as after 2 sar no paperwork

there is alot wrong with this account

 

i will not rest till these f---ers pay out big and then fold.

Link to post
Share on other sites

think i might be getting somewhere in trying to get signed agreement

phoned welcome ,lewis group,and solicitors surly between the 3 of them i,ve got to get it .

 

may i add believe it or not they where very pleasant and nice to speak to

(never thought i,d see the day) and no i,m not on drugs lol tam

Link to post
Share on other sites

think i might be getting somewhere in trying to get signed agreement phoned welcome ,lewis group,and solicitors surly between the 3 of them i,ve got to get it .may i add believe it or not they where very pleasant and nice to speak to (never thought i,d see the day) and no i,m not on drugs lol tam

 

Being nice?

 

Maybe they realise they have no case.

Link to post
Share on other sites

nope go for it

 

the fos says business as usual

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites

  • 2 weeks later...

as posted 10th dec received paperwork from welcome surprise surprise

still no signed agreement

waiting for replys from lewis group and solicitors

but i dont hold out to much hope of getting them

any advice on how to get them .

loan only taken out just over 2 yaers ago

taken to court year and half ago

surly somebody must have signed documents tam

Link to post
Share on other sites

as posted 10th dec received paperwork from welcome surprise surprise still no signed agreement waiting for replys from lewis group and solicitors but i dont hold out to much hope of getting them any advice on how to get them . loan only taken out just over 2 yaers ago taken to court year and half ago surly somebody must have signed documents tam

 

Tam - what paperwork did they send you?

 

You may be chasing them for something they dont have - they may have lost it OR someone has binned it because they realised it was crap. Either way plays into your hands.

 

From what i can gather they have taken you to court and got a CCJ - is that correct?

Did you defend this or was it entered by default?

Do you have a copy of the original claim and of the judgement?

 

Also is this secured against your property?

Link to post
Share on other sites

it is personal loan which i took out in may 2008

this agreement was signed for in my house

even tho i had an appointment at their office

 

fell into arrears was sent notice of default

 

i didnt go to court -

on the day - the court ordered i pay £25 week - which i have done since then

 

on the statements i get i noticed they where only using £25 to the credit and the other £75 for interest

 

after a few phone calls of inquiry it went down to £12

 

and now 0

 

started at £9664

payed £1650

new balance 9964....

£300 worse of

i ve payed 1650 to this ...

 

it was entered by default

 

i have tried 3 sar's

7 phone calls

phoned solicitor

the lewis group

 

.......to get the signed documents for this account

as i was and still dont have any paperwork

apart from the default notice they keep sending

Link to post
Share on other sites

i think you need to contact the court now

i'm pretty sure they have broken [for want of a word - the decree]

 

i'm gonna ask someone

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites

the decree allows for 8% per annum to be added to the claim and this can be done daily/weekly/monthly or yearly.

 

It looks from your statements that this is being added monthly and i quickly checked a couple of months and the monthly figures are out,

 

can you work out two things as i don't have much time just now

 

can you count (just on the statments so far):

 

how much you have paid in total and

 

how much they have added (cap and interest default sums etc)

 

and then we can see how much difference is being added

Please contact a member of the site team if you are offered help off the forum for a a paid or no win no fee service.

 

Please consider making a small donation to help keep this site running

Click here to donate through PayPal (opens in a new window)

Link to post
Share on other sites

ok looked over the figures - yearly for this first year the interst would be max £772.67 + £9658.40 = £10431.72 - £25 x 28 = £700 = £9731.72

 

june to nov 5 months 9731.72 + £246 = 9977.66 - £25 x 21 = £ 525 = £9452.66

 

these are just quick rough amounts to see difference although i cannot see any interst added since august.

 

It would be slow deductions to start as at the moment its around £ 760 interest added per year and i can only see 49 payments since the decree which amount to £1225.

 

we can break it down further month by month but the statements are very lisleading and not easy to follow.

Please contact a member of the site team if you are offered help off the forum for a a paid or no win no fee service.

 

Please consider making a small donation to help keep this site running

Click here to donate through PayPal (opens in a new window)

Link to post
Share on other sites

you may find they have changed when they will add the interest

 

You may need to put it in writing asking them for calrification of what the capitalastion is and at what rate it had been charged etc.

Please contact a member of the site team if you are offered help off the forum for a a paid or no win no fee service.

 

Please consider making a small donation to help keep this site running

Click here to donate through PayPal (opens in a new window)

Link to post
Share on other sites

i thought when it went to court the interest would stop i have spoken to welcome

and the lewis group on many occasion

neither of them can give me a straight answer to why capitalastion is on

then why it went down to zero .

and after many attempts of trying to get the signed agreement on this account i still cant get it

Link to post
Share on other sites

to be honest i think yo need to speak to the court to clarify 'what' welcome ARE allowed to charge you in interest [cap]

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites

they can only add 8% per annum - no more but they do not have to add this

 

it tells you on your decree papers

Please contact a member of the site team if you are offered help off the forum for a a paid or no win no fee service.

 

Please consider making a small donation to help keep this site running

Click here to donate through PayPal (opens in a new window)

Link to post
Share on other sites

needing some more help please

 

just of the phone to welcome to ask about on going ppi claim

 

and was told that letter had been sent today regarding some of the accounts that i am claiming ppi for .

.something to do with time scale

send 2 separate questionnaires a few weeks back

phoned welcome to ask if they received them

said yes but not to bother sending any more ques in as they would look at them all then make a decision

any advice again thanks in advance tam

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...