Welcome, PPI, bankruptcy agreement - Please help

[dadofholly]

They can't do that - they only have 6 months to register the default - and can only register the original date.

 

Make a complaint to the Information Commissioner - if you fo on there website there is a helpline number and ways to complain - they will investigate. As the entry is not correct you can also take Welcome to Court - but you have to give Welcome the opportunity to correct it first.

 

Have you written to Welcome and complained about the 2009 entry?

 

Bovis did not buy Welcome out - it was just a change of name.

[louloutinks]

Well I finally have some news on this account.

 

When I spoke to them back in May they said they would look into this.

 

I was going to send in a SAR but had not got round to it, but decided to give them a call to see what is going on.

 

They put me through to the Bankruptcy dept and they told me they had stopped the direct debits since May,

they have no interest in the car, they are removing the default from the account and I owe them nothing.

 

I asked why this wasnt sorted out before when my bankruptcy was discharged and they said they didn't have a bankruptcy department back then?

 

I have been calling and telling them about this for years and making monthly payments on the car which is not worth a light

and the Official Receiver wanted to reopen this case because of all this.

 

I have asked Welcome to put it all in writing to me as they have told me to keep or sell the car and they have no interest in it as it is so old.

 

So good news all round really as long as I get it in writing.

My friend told me to claim against them for the money I have paid (Welcome said I would not get any money back as I had use of the car anyway)

but I am just glad I can get rid of this old car, get a nice runner and get my child down to the seaside safely!

[louloutinks]

Do I need to ask Welcome if they have terminated the contract?

 

Welcome also said they are going to go to experian (as long as I ok it) and remove the default from the account. I said that is ok for them to do this. It is the only bad mark against me now.

Edited July 27, 2012 by louloutinks

[dx100uk]

take them to court get that money back

 

or

await the letter that confirms they have been taking money without the 'need'

 

and go into your bank and get it all back under the direct debit guarantee.

 

once welcome state they were wrong

 

you will not fail under DD laws

 

dx

[louloutinks]

Hi DX

 

thing is before the BRuptcy,

they said I could keep the car - it wasn't sanctioned by the Official receiver and I did not sign an agreement but I did keep making the minimal payments as they said I could keep the car.

 

It works out around £2600 I have paid since the bankruptcy.

 

Should I let them amend my credit account or should I ask for compensation for marring my credit record.

 

Should I ask Welcome if they are terminating the contract (which I thought would have been terminated with my bankruptcy).

 

How do I go about all this?

 

Or should I just be happy that I am free from Welcome?

 

Welcome did state that I wouldn't get any money back as 'I can't have expected to drive around in their car for free

 

Will Welcome admit they were wrong in this letter - they will probably just write that they are cancelling the DD and I owe them nothing.

[dx100uk]

lets see

 

welcome always fleece people

 

dont for one minute think they have done you ANY favours

[louloutinks]

I do think they are only doing this for their benefit as they realised the boo boos they have made.

 

What is getting my goat is the fact that I sent in the bankruptcy and discharge in 2006,

but have been told today that they did not have a bankruptcy dept back then

- well that's not my fault is it so why do they not reimburse me my money!

[dx100uk]

dont worry the faff up eventually - me thinks you've got them now

 

dx

[dx100uk]

you really should have sent that sar you know.........

[louloutinks]

I know Dx, I should have. Should I still send it?

[dx100uk]

yes!

 

dx

[louloutinks]

ok thanks!

[louloutinks]

Oh and another thing, I have wondered why the past few years my insurances are pretty darn high - there's a bloody default on my credit history that shouldn't have been there. My credit rating is 'good', but would have been much better - maybe excellent - without the default that was added on a bankrupt Welcome account!

 

I need to contact the Official Receiver about all this too as they said this was classed as 'preferential payments' and the OR did not sanction the payments to Welcome. Have to wait to get the letter so I can send that to the OR too.

[dx100uk]

you could also be inline to demand compensation for the wrong on your cra file [£1000 each typivally] & sue for extra moneies you've had to payout in premiums

or int rates because it was wrongly placed

dx

[louloutinks]

well I have just been on my credit file and have noted that Welcome have done an 'unrecorded enquiry' search - but they have not removed the default - as yet.

 

They have accessed my report since the phone call today.

 

I just want this 'company' out of my life and this situation settled. I cannot see WF compensating without a fight TBH.

 

How can they put an account into default in 2009 when they terminated the contract in 2005 before the bankruptcy?

Edited July 28, 2012 by louloutinks

[louloutinks]

UPDATE:

 

Welcome have settled my account according to the credit report and it has been marked as paid

- but the default is still showing but marked as 'satisfied' under the balance column on my report which I am not happy about.

 

I called experian and they are going to contact Welcome directly.

 

I have it in writing from Welcome that they defaulted and terminated the agreement back in 2005

then I went bankrupt in 2006 and they were a named creditor

- so this should be completely removed from my report as I went BR more than 6 years ago

- it shouldn't have even be on my credit report in the first place.

 

Welcome have also sent me a letter stating that they have no interest in the car due to its value and that I have been discharged from BR (well yes 6 years ago!).

 

Credit reports state that £4800 approx is the default balance

- yes but I have more than paid for the car so this amount is the extra charges and additions to the account.

 

Free at last! As long as the default is removed completely.......

[dx100uk]

dont forget to reclaim!!

 

PENALTY charges & PPI

 

SAR them.

 

dx

[louloutinks]

How can I claim back charges when I went into default.......I know by the time they had defaulted me in 2005, I had paid them over £3500 in the space of a year -so the amount owing on my account was 2k legit and the rest (over 4k) in charges - since then I have paid them £2600 and still owe them £4300 on a loan for £5500 - totalling approx £11100 lol!

 

How do I go about it and also getting the default removed?

[dx100uk]

if they defaulted in 2005 it should not be showing and neither should the account.

 

lets get the sar done and see what it reveals

 

dx