Welcome Finance / Lowell DCA

[slick132]

8 years ago - that'll be an uphill struggle from the start.

 

MBNA will probably say they have no statements going back that far.

 

You'll have to start with a SAR and it would be much better if you could find the a/c number.

 

Start a separate thread to discuss MBNA is the appropriate forum.

 

Edited March 21, 2013 by slick132

[DG30]

Thanks for the advise

Will be back for round 2 of the battle with welcome when have more information to share

[DG30]

Was searching through paperwork at the weekend and found vehicle collection paperwork from Welcome Finance and noticed that the account number does not match up with the account number they have specified in relationship to the outstanding arrears.

 

The plot now thickens as the two account numbers provided which has been used to determine the PPI refund were for personal loans dating back to 2003 and 2004 AND NOT for the Car Lease.

[dx100uk]

await the SAR this is looking promising.

 

dx

[DG30]

I spoke to the DCA (Lowell Group) who advised they too have requested copies of all paperwork.

I have also logged a complaint with Financial Ombudsman requesting them to investigate

[dx100uk]

NEVER EVER speak to a DCA on the phone!!

 

they are NOT BAILIFFS

 

and have NO SUCH LEGAL POWERS.

 

writing ONLY!!

 

dx

[DG30]

Totally understood. They kept calling mobile and house phone, unfortunately my missus picked up the house phone and passed it to me. Told them I would not be paying any money nor discussing any further until my complaint with Welcome is satisfied

[DG30]

UPDATE - I received a letter from Lowell with a copy of Statement attached which showed that the £3071 was outstanding and a sentence stating "Welcome state the vehicle was voluntary terminated and you had a liability of £2942.36 balance which you were aware of, plus any interest and charges for non-payment" There was no supporting documents as evidence that I "knew" about this or any reason why this is.

I have filed complaints with Welcome directly and Financial ombudsman but no response as yet (both submitted 30th Jan)

[dx100uk]

no agreement from lowlife = no pay.

 

what happened to the sar to welcome

 

dx

[DG30]

I didn't send by recorded delivery so will be re-submitting

[dx100uk]

good then sit tight

 

dx

[DG30]

sent Lowell group an e-mail this morning saying received their letter however will not be acting on this due to 1) the statement proves nothing as dated 15th Feb 2013 with no mention of Welcome on the paper (payments made did tie up to my bank) 2) no supporting documentation proving that this was as agreed and signed by myself 3) complaint with Welcome outstanding 4) complaint with Financial ombudsman outstanding 5) SAR request outstanding

[citizenB]

Hopefully that will hold them back for a while.