Welcome Finance/Coast Finance Loan

[dx100uk]

not looked back, have you got bank statements from whatever bank you were using when the 1st loan was taken out? or the source bank account of where your payments came from to welcome at the period?

 

dx

 

On 31/05/2022 at 14:23, PapayoohZoom said:

There is another issue of Welcome Finance statement not the same as Coast Finance.(meaning that is a breach of contract.) Ohh that is another issue for later,

 in post 1 you said the above.

 

what do you mean by the welcome statement is not the same as the coast one?

 

welcome statements end in 2018 have you any statements from coast ? whats the balance today, have they been charging interest, if not, when did the interest stop?

 

dx

 

[PapayoohZoom]

Hi dx. Shall I post them here or use your private email address ???

[dx100uk]

redacted here please pm advice is not allowed as it helps no-one bar you.

not what cag is all about 99% of our users simply read and use the guidance given and never post a topic.

thats not a private email its a cag documents one whereby people cant understand how to redact stuff and is used a favour and we do it and put the docs up as PDF

dx

[PapayoohZoom]

Hi dx

I understand thank you.

Please see here attached is the current amount owing £16 085.03

and Welcome balance of £15 286.73

 

I am working hard to get the other docs. 

So far I have 2 statements , 

 

I am still searching for more evidence.

 

• Hi dx The two statements vary as 
• Coast Finance has Running Arrears
• Coast Finance starts from 17/12/2013 whereas Welcome starts from 12/06/2018
• Coast Finance on 12/06/2018 has got a payment of £5279.14
• Welcome finance on 12/10/2012 has a payment of £5178.59
• I think the above are PPI payments showing on different dates of the statements
• All so confusing
• I can go on  comparing these two statements.

 

 

 

2022-08-06 Coast Statements + 2 Midland Bank statements.pdf

[dx100uk]

it would ne nice if we knew what payments were made to welcome from that old midland bank A/C up until the 2nd loan.

i suspect you were in trouble and contacted welcome, they refinanced over the phone and faked your sig.

as i said before this was VERY common for them during that era.

 

why dont you try contacting HSBC 

tell them some story that you are in danger of poss losing your home or having to payback £10'000's you dont even owe and need less than 1yrs only period payment list made to welcome. or progressive for your case.

[PapayoohZoom]

Hi dx

Most Banks around us are  permanently closed. Had to go 10miles to collect this.

Hope that is what is required.

Just one more file to complete. Please note they maybe duplicates.

 

I then moved banks to NatWest They will post the info. takes up to  two or more weeks.

 

 

 

 

HSBC STatement showing WF payments.pdf

[dx100uk]

the 1st WF agreement was taken out 12-08-2005.
i see you got £7510 into your a/c as the cash advance. 19-08-2005.

1st payment was 26-09-2005
2nd 26-10-2005
3rd 28-11-2005
4th 19-12-2005
5th 26-01-2006
6th 27-02-2006
need statements or payments to welcome for mar-apr-may 2005 please

 

 

2nd welcome loan 28-05-2006

1st payment 26-09-06

[PapayoohZoom]

Thank you dx.

I cannot find mar-apr-may 2005 either.

Did we mean 2006? Even so I cannot confirm payments for these 3 months.

The loan amount of 7510 was paid into the bank account on the 19th August 2005 and repayments started after that.

 

Target agreed that they don't have the statements from April to Aug 2006. The difference of 15 000 and 8864.84 equals to 6135.16. The £8864 is the last balance on account in April 2006. Then they come up with an amount of £15000 in Aug 2006 as a second loan.

I am missing info from April 2006 to August 2006 amount of £6135.16

 

All I got is a new statement balance of £15000 dated 25/08/2006

 

Please see the WF statements. Clearly states the opening balance of the 2nd advance loan as Migrated Advance Loan of £15000. I don't have that amount in my bank account meaning its their charges.

I am confused now!

The second loan is Aug 25/08/2006 and not 28/05/2006 I think. I do stand corrected!

[dx100uk]

Not worried about the 2nd loan .  Its payments made by you on the 1st loan before its refinance with the 2nd loan.

 

need statements or payments to welcome for mar-apr-may 2005 please

hsbc statement s for those months are missing. Why has hsbc not supplied them in the sar

 

Dx

 

 

 

[PapayoohZoom]

Hi Dx

Please see att if its any help.

 

WelcomeF st (1) (5).pdf

[dx100uk]

and why havent you posted that before?

tells us everything we need to know....

[PapayoohZoom]

Oh Sorry Dx

[PapayoohZoom]

Hi Dx

I hope you are well..

Have you managed to get the figures ready yet?

I should submit them as soon as possible.

[PapayoohZoom]

Hi Dx

Please could I have the figures from the spreadsheet that you were working on and you were going to provide me with.

I will be so grateful and hopefully close this account..

[dx100uk]

Which is why I was asking for months for the info and trying for months to get this sorted before the lambing season and siteteam holiday season began. 

 

It's not a 5 min job, but all the info is now here Inc all your payments made  from day one on both loans and all their charges , ppi and refunds now, 

 

You could equally do it. 

 

Hopefully this w/end might give me a few hours. But it won't if this bad weather hits Scotland.

 

Dx

 

 

[PapayoohZoom]

Okay thank you Dx, I will wait.

You have no idea how much help you are providing.

I am grateful for all you do.

Thank you

[dx100uk]

hsbc statement around 03-04-2006.

 

did you get a £8864.84 into the account from welcome finance?

 

the uploaded statements around that time are blurred.

 

dx

[PapayoohZoom]

Oh sorry Dx

No I didn't get the £8864.84

 

pzoom

[dx100uk]

so you were, by the looks of things, still using and paying welcome from the same HSBC account, but there are no signs of this cheque being paid in there, but the previous one was...urm...

 

could it have gone elsewhere? was this your only bank account that time?
 

[PapayoohZoom]

That's right Dx

I was still using the same Hsbc account.

I have been trying to look for the bank statements again to show you the entries in April.

I found that this amount was an inter branch transfer hence I don't have it showing in my bank account/s as a cheque paid in. Please see the statement att.

When they were paying me they would say (narrate) amount disbursed to customer .... instead of cheque

convert-jpg-to-pdf.net_2022-10-31_21-03-05.pdf

[dx100uk]

On 31/08/2022 at 20:04, PapayoohZoom said:

Hi dx

Most Banks around us are  permanently closed. Had to go 10miles to collect this.

Hope that is what is required.

Just one more file to complete. Please note they maybe duplicates.

 

I then moved banks to NatWest They will post the info. takes up to  two or more weeks.

 

 

 

 

HSBC STatement showing WF payments.pdf 4.58 MB · 3 downloads

this upload has blurred statements can you re upload your original you must still have on your PC.

 

i am wondering if welcome during their (fake) refinance agreement paid themselves the £8864.84 to pay off the 1st loan as well as rolling over things. quite the usual MO for staff at that time to pocket commission and fake customer sigs on refinanced loans when the customer simply rang up to explain payments were difficult could they help.

 

dx

 

 

dx

[PapayoohZoom]

Hi Dx

There are 12 statements  which are blurred. Being

numbers 38,40,43,50,52,35,55,58,61,64,89 and 91

Please see attached.convert-jpg-to-pdf.net_2022-11-02_22-14-42 (1).pdfconvert-jpg-to-pdf.net_2022-11-02_22-14-42 (1).pdfconvert-jpg-to-pdf.net_2022-11-02_22-14-42 (1).pdfconvert-jpg-to-pdf.net_2022-11-02_22-14-42 (1).pdfconvert-jpg-to-pdf.net_2022-11-02_22-14-42 (1).pdfconvert-jpg-to-pdf.net_2022-11-02_22-14-42 (1).pdfconvert-jpg-to-pdf.net_2022-11-02_22-14-42 (1).pdfconvert-jpg-to-pdf.net_2022-11-02_22-14-42 (1).pdfconvert-jpg-to-pdf.net_2022-11-02_22-14-42 (1).pdfconvert-jpg-to-pdf.net_2022-11-02_22-14-42 (1).pdfconvert-jpg-to-pdf.net_2022-11-02_22-14-42 (1).pdfconvert-jpg-to-pdf.net_2022-11-02_22-14-42 (1).pdfconvert-jpg-to-pdf.net_2022-11-02_22-14-42 (1).pdfconvert-jpg-to-pdf.net_2022-11-02_22-14-42 (1).pdfconvert-jpg-to-pdf.net_2022-11-02_22-14-42 (1).pdfconvert-jpg-to-pdf.net_2022-11-02_22-14-42 (1).pdf

 

 

Have a good evening Dx

and thank you for your hep always.

 

pzoom

[dx100uk]

we need the hsbc statement for april 2006!! (or after that date)

i guessed, as your original upload was NOT in date order, that those statements were part of those that were blurred.

it's not there.

 

dx

 

[PapayoohZoom]

Hi Dx

I think I have given you all the information there is. Please trust me.

 

Here is April 2006 and there after.

 

pzoom

 

 

p/s pages are from 9 to 18

HSBC statements 9-18 Statements showing WF payments.pdf

[dx100uk]

2 hours ago, PapayoohZoom said:

p/s pages are from 9 to 18

those statement were not in your org hsbc statement upload.

 

again like the welcome one you uploaded, they were missing.

 

i seriously dont mind helping and love to nail these scammers in a corner, but if we dont get the info 

we are stuffed...it's a very simple instruction each time to upload the info we need.

 

both times the info we needed was not given...but everything else inc the kitchen sink was...

 

so no payment from welcome for a cheque they say was raised to you for £8864.84

 

we shall oved this fwd in the coming days.

 

dx