Welcome Finance complaint

[players4you]

Does anyone know if I can still make a complaint against Welcome even though they are obviously now failed. I want to complain about credit reporting etc. Sorry if not appropriate to create a thread.

 

Many thanks

 

 

[dx100uk]

i seriously doubt welcome now own your debt? 

or is it paid off and simply historic?

 

whats the issue...expand please

 

dx

 

[players4you]

No, its paid off 

 

I am now complaining to all companies that failed to register a default and left me in a worse position than had I paid the debt.

 

I entered into a DMP. 

they didnt register a default and it remained on my file for 14years thus causing me an issue.

 

Welcome are the only ones who I have not managed to register a complaint against. 

Edited February 2, 2022 by dx100uk
added A few blank lines only..dx

[dx100uk]

There is no legal compulsion that demands or makes a creditor default you if you are in a dmp or not.

 

So how many companies have agreed with you to date?

 

Dx

[players4you]

You are correct, its not legal. SCOR guidelines are for defaults to be added 3-6 months in arrears. Under FCA guidance for "treating customers fairly" if you feel you havent been you can complain for:

 

1. financial loss

2. Material distress

3. Material inconvenience

 

FOS will look into any complaint under these guidelines once the company has given its final response.

 

So far of the 4, 2 have agreed but it was before I knew the correct complaints procedure so I received a small amount only. Going for bigger now with the others.

 

Edited February 2, 2022 by players4you

[dx100uk]

Well and the ico guidelines too for the correct period.

 

welcome still exist they are still servicing existing accounts.

 

try them.

 

Dx

[players4you]

Will let you know how it goes

[dx100uk]

as with all welcome stuff if you've read a few welcome threads it's always was very very difficult to get anything resolved even to this day.

 

99% of welcome balances were made of unlawful 'insurances' of many many kinds like PPI, life, MIP, etc etc , and extra inflated by all manner of unlawful penalty fees like over, late, letter, arrears , phone calls, visits, etc etc. 

 

since the FCA waiver there have been very few and far between satisfactory resolutions ever.

 

dx

 

[players4you]

oh what a pain, wort a try though I guess. Do you know the best contact details for them?

 

I have just heard from the FCSC and they say they are unable to trace an account - how weird - defo had one. Have no documentary evidence sadly