Welcome finance ccj and a bailiff for unsecured loan

[VILKA]

Thanx Steve

This Means I Need To Wait Until Any Action Is Initiated By Welcome

Do I Need To Send Them Any Letter In The Meantime

[postggj]

Vilka

 

As You Have Paid More Than A Third,

They Cant Repo The Vehicle With Out A Court Order

 

Just Ignore Welcome Would Be My Advice

 

If They Issue Court Action,

They Would Be In Trouble

 

Just My Opinion

[VILKA]

Thnax Post

Can They Issue Court Order Before Involving Me

In That Case How Shold I Proceed

[VILKA]

Post

A Pm For U

[VILKA]

Hi Post

Looking At The Other Threads Where U Mentioned Ur Court Case Having Different Address

My Problem Is

The Original Address On The Agreement Is X

Then As Per Their Records It Has Been Changed To Y

Now Since A Month I Am At An Address Z

Except For The Default Notice (not Served To Me) Which Was Addressed To My Address X.

All Other Correspondence From Them Is Addressed To Y

The Question Is If They Proceed To Court It Will Be With The Address X Of Which I Wont Be Getting Notification To Take Any Action &/or Respond.

My Redirection From Address Y To Z Ends On August 06th.

Shall I Keep The Compliance Informed About My Change In Address And What Happens If They Dont Take Congigence Of It.

Most Important They Have Sent Me The Letter Of Arrears This Week And The Amount Of Arrears Differs From One Mentioned In Dn.

They Are Also Silent On My Personal Loan

Also What Happens To My Wifes Personal Loan Sar Being Received Alongwith Mine Which Accepts Their Fault Of Not Taking Action To Cancel The Ppi.

The Second Set Of Agreement Sent To Her Had Following Lacunea

1. The Address On The Agreeent Was X

2. They Would Be Financing The Same Amount Of Original Agreement With Another Acceptance Fee.

3. There Was No Account Information Attached As To How They Are Going To Adjust The Amount Of Overpaid Instalemnets For Over A Period Of More Than 10 Months.

I Have Kept A Copy Of The Same And Sent The Agreemnt Back Without Signing With A Covering Letter Pointing Out The Flaws Needing Rectification.

My Wife Is Away For A Couple Of Weeks And Would Be Back On Saturday.

They Are Calling On The Landline Despite Me Telling That She Is Away.

They Have Sent A Letter Too This Week That They Are Trying To Caontact Her Without Success. If She Wants Can Call Them Or Write To Them.

The Fact Is Once She Is Back They Will Keep Harrassing Her

Can You Or Anyone Guide Me Before That How To Tackle All These Matters.

[VILKA]

MORNING POST AND EVERYONE

SORRY TO BE QUIET FOR AWHILE

I HAVE POSTED SOME URGENT ISSUES IN MY THREAD welcome finanace

CAN ANYONE HAVE A LOOK AND SUGGEST A WAY OUT PLEASE

[brassed-off-2]

Hi Vilka

 

Sorry havent read all of your thread yet, please fogive me if this has already been done, have you sent them a telephone harrassement letter from the templates and request everything in writing to address z. send this recorded delivery.

 

hope this helps a little...

 

b-o-2

[VILKA]

Thanx b o 2

I am waiting for my wife to come and sign the letter , but it didnt come to my mind anyway.The suggestion appreciated and will be followed.

The calls/follow up is from complaint department fyi.

[VILKA]

Hi b o 2

which address should the tel har letter to be sent , to the compliance or the complaints.

[brassed-off-2]

Thanx b o 2

I am waiting for my wife to come and sign the letter , but it didnt come to my mind anyway.The suggestion appreciated and will be followed.

The calls/follow up is from complaint department fyi.

 

 

Dont sign anything just print or type!! send recorded to compliance, mere way, ruddington fields, ruddington, nottingham ng11 6nz. Compliance should scan it onto there system, so the complaints dept should get access to it...so i am informed by my local branch manager..

 

b-o-2

[brassed-off-2]

Vilka replied on your thread...

b-o-2

[VILKA]

Thanx b o 2

[VILKA]

What About My Other Concerns

By The Way I Have Kept The Letter Ready And Will Be Posting Recorded Tom.as Guided By B O 2.

[VILKA]

Hi Post

Did u have alook at my recent post in my thread need some guidance regarding the concerns,if u can spare some time on that much appreciated.

[andie_303]

further correspondance including court action SHOULD be being sent to address Y - this is on their records - if you are concerned about court action I would change the record they hold to address Z otherwise they could get a default judgement - something they love to do.

 

BTW Acceptance fee should only be charged once so if you are rewriting an initial loan acceptance fee should not be charged.

[postggj]

further correspondance including court action SHOULD be being sent to address Y - this is on their records - if you are concerned about court action I would change the record they hold to address Z otherwise they could get a default judgement - something they love to do.

 

BTW Acceptance fee should only be charged once so if you are rewriting an initial loan acceptance fee should not be charged.

 

 

andie

 

i allways knew that but could never put my hands on the legislation,

all you are doing is altering the terms of the original loan,

do you have a link by any chance

[VILKA]

Thanx Andie

even though after the DN they continue to send arrears statement,as per Post the agreement doesnt exist, so even if I want to send my change of address to whm should I send it to, the compliance?

 

Also as I have sent them the new agreement back and tel har letter about my wife shall we sit tight on that matter until we hear from them

what else am I supposed to do , also change of address for her account.....

[andie_303]

andie

 

i allways knew that but could never put my hands on the legislation,

all you are doing is altering the terms of the original loan,

do you have a link by any chance

 

yes if I can remember where it is - i'll get it to you

[VILKA]

cattles announcing AGM in July .

Any relevance?

[VILKA]

hi everybody,

just wondering today is the 40th day after sending/they receiving letter for SAR for my personal loan

i wonder how long do i need to wait and shall i do next

[postggj]

i would think the bond holders and investors in cattles would now start picking at the bones to see who gets paid first.

 

its just to much debt to roll over

 

as michael jackson would say

 

history

 

but as usual, cattles are keeping quiet and ignoring its share holders

[VILKA]

i SENT SAR FOR MY PERSONAL LOAN ON 25TH mAY 2009 AND RECEIVED BY THEM ON 26TH SO 40 DAYS HAVE GONE PAST ON 6TH jULY 2009. WHAT SHALL i DO NEXT SEND THEM A DISPUTE LETTER ANY TEMPLATES.

[VILKA]

welcome finanace

POSTED A MESSAGE FOR ADVICE.

[zaidey]

lol vilka im in the same position as you......they keep saying they will send the documentation to me but ive only been waiting for 6 months...

 

welcome have been telephoning me and offered to cut my amonut owning by half

 

£8000 owing

offering me to pay £4000 over the next 3 years..

 

i said ok in princial as long as i can have a aggreement sent to me to look at first but guess what no paperwork....

 

im thinking that welcome have finally nailed themselves shut

 

no phonecalls for a month..no letters...no door knocks

 

i think welcome are going under m8..

 

i would sit tight m8..dont panic and follow the advice and remeber to keep every letter and all information as welcome dont keep nothing (if it goes to court threw a dca)

 

if welcome do go into adminsation then there computer system will be broken up too hopefully fractoring any information that they hold..making it hard for any dca to enforce your debt..

 

i know this as i worked for a dca a few years ago..they purchased debt from barclaycard etc..it was a nightmare as no information got passed threw...

 

long live karma

[VILKA]

thanks zaidey,

I was of the opinion to send them a account in dispute letter.