rich & welcome

[rich512]

i am someone stupid enough to become involved with welscum finance and after getting into financial problems fell behind with payments.

 

I am keen to get everything back on track as soon as possible but i am not happy with the problems welcome keep giving me.

 

I sent the telephone harrasment letter a few months ago and asked all correspondence to be in writing only,

yet i still keep receiving missed calls from them.

 

I have even had one of the doorstep goons turn up and told them i was not in.

I considered handing him the doorstep letter but judging from the grunts he made in an attempt to communicate i doubt he would have been capable of reading it.

 

I have since sent the doorstep letter to the branch and also to a member of staff at cattles along with a complaint letter about the conduct of my account manager.

 

I think i am right in saying they are in breach of the communications act and OFT rules but i have been wondering what to expect next will this stop the calls and doorstep goons.

Any advice on what i should do next would be greatly appreciated.

 

Thank you in advance.

 

Rich512

[dadofholly]

Hi Rich

 

Best to start your own thread so the advice is specific to you and does not get mixed up with others.

 

One piece of advice about Welcome - never deal with the local branch only the head office.

 

Who did you send the telephone letter to? Send it to Compliance at the head office in Nottingham, say you have already sent one but are still getting calls.

 

In meantime start your own thread

[rich512]

thank you for your reply is there a way i can move this post into my own thread save typing again sent a copy of the letter to head office, the local branch and cattles.

[dadofholly]

Have you got any PPI on your agreement? If so you can start claiming that back.

 

You can also contact Welcome and get a statement covering the whole transaction history of the account. There will be loads of illegal charges on there that you will also be able to claim back.

[rich512]

its quite funny that you mention ppi as i have received a form to fill in from the fscs this morning about ppi with welscum will this also deal with any illegal charges and how do i know what is a legal or illegal charge? if i apply for cca or sca can i put the fee in a box in 1p coins just to annoy them? thank you for all your help so far.

[dadofholly]

No that won't deal with the charges - but at least it will get you the PPI money knocked off the account.

 

As for the charges, you need to get a copy of your statement and virtually everything that is not interest charges will be an illegal charge.

 

Once you get hold of a statement come back and we can have a look at it for you.

[rich512]

Thank you very much for your advise. sorry for asking so many questions but i am filling in the form for FSCS wondering if i should sign it or just initial it?

[dadofholly]

You are ok with the FSCS - signing it should be ok on this occasion.

[rich512]

Thanks i will post back when i receive statement.

[dadofholly]

You may need to send a statutory access request to get it, buy sometimes they will just send you a copy if you request it.

 

If they start playing up come back here.

[rich512]

Does anyone know if the steps i have taken so far in the above posts are enough to make them think again about a doorstep call as i will not be in a lot of next week and do not want partner to feel intimidated? As the **** are not supposed to be on my property if i can catch them at it again am i within the law to use reasonable force to remove them and their car?

[dadofholly]

You have the right to use reasonable force to remove them IF they refuse to leave, but you can only use the force up to the edge of your property..

 

Advice if they refuse to leave would actually be to call the Police.

 

Send the doorstep letter to the head office address for the attention of compliance. Also keep a copy in the house to give them if they turn up. Don't enter into dialog if they turn up, give them the letter and close the door. If they fail to leave call the Police.

 

As for your partner - if your partner is not a party to the debt they should not speak to her about it.

[rich512]

sent the letter to compliance and to someone i spoke to at cattles who didnt seem too impressed with the behavior of welcome. Thank you again.

[Armsoft]

You are ok with the FSCS - signing it should be ok on this occasion.

 

Just be aware, if you sign the FSCS paperwork you are signing away 10% of what your owed as FSCS will only pay you 90% (they keep the rest themselves),

 

HTH

[rich512]

welcome have logged my complaint about doorstep call and breach of communications act. Would anyone have any guesses as to what the response from them will be when i finally get it? I am hopeful that they will have to take action i have sent a copy of the letter handed over at the door from the welcome rep. So don't imagine they can deny calling. Although i wont be too surprised by anything. Any ideas anyone?

[dadofholly]

They will stop the calls - and Welcome wiill write to you with a load of flannel and white wash.

[rich512]

will this also stop the doorstep visits?

[dadofholly]

Depends what your complaint was about. If you complained about them then they will stop.

 

But If you also send the doorstep letter then they will stop, as long as you send a copy to compliance.

[rich512]

yeah sent complaint, doorstep letter and the third copy of the telephone harassment letter. Just wondered if this will work this time as they seem to have ignored the last 2 about phone calls both of which went to compliance. I am at the end of my tether with welcome, keep running round in my head how they could have the nerve to turn up at my door. I have to credit everyone on here in threads that i have read on how calm you all seem to remain with them.

[rich512]

hi dad of holly i have received statements from welcome today but i am not sure how i put them on here i have scanned them to my computer and covered personal details just dont know how to load them here

[dadofholly]

have you - or can you save them as pdf files?

 

If not i will get some other info for you on posting.

[dadofholly]

Can try this

 

http://www.consumeractiongroup.co.uk/forum/content.php?115-How-to-open-a-PhotoBucket-account-and-use-it-to-post-pictures-on-the-Consumer-Action-Group

[rich512]

managed to do it but can have to attach in 2 posts

[rich512]

hope this works thanks

[rich512]

1 thing i have noticed is that when the goon from the branch called at the door the balance was around £1100 this was on 28-9-11

but on the statement on 28-9-11 balance is around £1400 not really sure whats going on there