Welcome Finance - This company needs to be banned.

[dx100uk]

hi guys,

 

will someone look at my thread 'welcome picks another vicitm'

 

thanks, needs some advise and action

 

link please.

 

but if they are offering 50% they know something is wrong with the agreement or ppi/charges are unlawfull.

 

dx

 

 

dx

[steven4064]

my friend was offered 30% off and 60% off after we took them to court. I am now holding out for 100%

[hisokaminanse]

Just a quick one here, Anyone had it where they have asked for payment for a CCA and SAR after they have accepted it already and sent a letter saying it is processing? They have cashed the POs already and I have the records to say they signed for the letters they were included in.

 

If so, any template/suggestions on what to write back as it is well outside their timeframe for the CCA now and I think they are plying for time?

[082stewie]

Just seen the funniest thing ever

 

Contact Centre Jobs and Careers, Welcome Finance, Customer Service, Sales, Administration

 

Check out the video "What does it take to be successful"

I almost fell of my chair. Apologies if you have seen this before.

[pears23]

CATTLES News CTT CTT.L - Interactive Investor

 

Just spotted this, interesting how following appointment as the FD in all his previous jobs the relevant company went onto administration just a few months of his appointment!!!!

 

get your complaints in quick, I wouldn't hang around.....

[sparky321]

Just seen the funniest thing ever

 

Contact Centre Jobs and Careers, Welcome Finance, Customer Service, Sales, Administration

 

Check out the video "What does it take to be successful"

I almost fell of my chair. Apologies if you have seen this before.

 

HAHAHAHAHAHA THATS THE FUNNIEST FILM EVER, OH MY GOD!"!!!!! the only good thing about all the video clips was the bubble gum machine, there is no helpful communication and they certainly do not consider the customer as being important, if that were true then i would not have a rep screaming down the phone at me when they sodded up their payment dates, oh my god, he was literally screaming at me, i have the call recorded and i intend to keep it haha

[dx100uk]

the grass needs cutting on their website.

 

dx

[beyondhope]

Just seen the funniest thing ever

 

Contact Centre Jobs and Careers, Welcome Finance, Customer Service, Sales, Administration

 

Check out the video "What does it take to be successful"

I almost fell of my chair. Apologies if you have seen this before.

 

always opportunities eh?! think not love i did a job search and not many came up

[EBOY]

Regarding the letter offering 50% I think you will they may go slightly further to about 65%. I am not sure if they know the agreement is unenforceable or if they just want the money fast. Obviously I received the same standard "this is your lucky day" letter.

[Voda]

Hi everyone,

 

I nearly fell off my perch this morning when I received this letter from Welcome's Customer Complaints Department in Ruddington, Nottingham...

 

I have never contacted them about the matter mentioned below although I did have another complaint about the way that one of the employees at my local branch spoke to me, that was dealt by them very satisfactorily.

 

Have they a conscience as far as I am concerned?

 

It seems that the new management are Spring Cleaning !!!

 

 

 

Dear xxxx

 

As part of our quality control process, we regularly check that our customers are being fairly treated. As part of this process, I have reviewed your records and I cannot be satisfied that the Payment Protection Insurance (PPI) policy that you took out with your loan was suitable to you. I am concerned that you would not have been able to make an insurance claim against the PPI policy because of your age at the time the policy was sold.

 

I would like to make you an offer to compensate you for this. if you would like me to do this, please confim that the contact details that I have for you are accurate.

 

I look forward to hearing from you shortly, and if you have any questions please call me quoting our reference shown above.

 

Yours sincerely

 

xxxxx

Complaints Department

 

I called the person right away in Nottingham and they will be writing to me within 10 days giving me details of their compensation and apparently this compensation covers two loans that were repaid.

 

WHAT DO YOU GUYS THINK ???

 

PS. I still have an oustanding loan without PPI with them, can they knock their compensation off the amount that I still owe them.

Edited June 11, 2010 by Voda

[Voda]

Hi BC,

 

Sorry I did not reply earlier, been busy !!!

 

I am great thanks and enjoying the weather.

 

Take care hun.

 

 

 

Yep they have messed up big time.

Will get hold of Postggi to gain advice on what he did.

How you doing?

[postggj]

HI VODA

 

LETS SEE WHAT THEY OFFER YOU

 

WITH 8 % ON TOP

 

I still have an oustanding loan without PPI with them, can they knock their compensation off the amount that I still owe them.

 

THE ANSWER IS NO IF THE LOANS HAVE BEEN SETTLED, THEY CAN ASK, THATS ALL:)

[Voda]

Hi Postie,

 

How are you?

 

The first loan with PPI was settled by my taking out a new higher loan with PPI. Then my financial problems began with this second loan and my local branch consolidated the debt to one of their 1% loans without PPI.

 

This is the one that I am repaying still at a much reduced but agreed amount with them. All interest and other charges are frozen.

 

So I presume that the two loans with PPI are, in fact, settled and that is why they have contacted me.

 

I will keep you and others updated.

 

Have a lovely weekend.

 

Voda

 

 

HI VODA

 

LETS SEE WHAT THEY OFFER YOU

 

WITH 8 % ON TOP

 

I still have an oustanding loan without PPI with them, can they knock their compensation off the amount that I still owe them.

 

THE ANSWER IS NO IF THE LOANS HAVE BEEN SETTLED, THEY CAN ASK, THATS ALL:)

[postggj]

well i bet you never got a ppi rebate onto the second loan

[Voda]

Probably not .....

 

The agreement copies that I have are very faint so if they don't send copies when they write to me, then I will need to do a Subject Access Request ....

 

well i bet you never got a ppi rebate onto the second loan

Edited June 11, 2010 by Voda

[postggj]

I AM POSTING THIS FOR FUTURE REFERENCE ON PEOPLE DOING AN Subject access request ON THESE JOKERS,

IS ASKS FOR SPECIFIC DOCUMENTS AND LEAVES THEM NO ROOM TO MOVE.

 

SEND TO

 

WELCOME FINANCIAL SERVICE

COMPLIANCE

RUDDINGTON FIELD BUSINESS PARK

RUDDINGTON

NOTTINGHAM

NG11 6NZ

 

REMEMBER THE £10 POSTAL ORDER AND SEND RECORDED DELIEVERY

 

GOOD HUNTING

 

 

[your address]

 

 

 

[their address]

 

 

[DATE]

 

 

 

Data Protection Act 1998

Subject Access Request

 

 

 

Dear Sir/Madam

 

 

ACCOUNT NUMBER: xxxxxxxxx (or multiple numbers if more than one account)

 

 

Please supply me with copies of all the data which you hold on me in relation to any matter and in any form and for any period of time.

Please note that I require disclosure of any personal data which you hold on me for the entire period of my dealings with you.

The Subject Access is not limited to my transaction history and it is not linited merely to 6 years of historical information.

Additionally, where there has been any event in my account history over this period which has required manual intervention by any member of your staff, or any other person, I require disclosure of any indication or notes which have either caused or resulted in that manual intervention, or other evidence of that manual intervention in relation to my financial business with you.

I require all information on details of all insurance products supplied by welcome financial services. This is to include the statement of means, statement of price, details of all insurance premium tax paid, and underwriting sheets.

If mortage indemnity insurance has been added to the agreement, i require all details on who this premium was paid to, and who underwrites this insurance.

 

If you are unable to supply this data because there has been no such manual intervention, then please be so kind as to confirm this in your response.

 

I enclose the statutory maximum fee of £10. You have 40 days in which to comply. Furthermore, if I discover that you have levied disproportionate penalties or charges which are invalid under the Unfair Terms in Consumer Contracts Regulations against me, then I shall be reclaiming them together with any interest charges which you have levied on them.

As it is your wrongdoing and mishandling of my account which has created the necessity for this Subject Access Request, I shall also be reclaiming the enclosed £10 Data Protection Act subject access request fee.

 

If there is specific information which you require in order to satisfy yourself as to my identity, please let me know by return. However, please note that the above address is the one which you normally use to communicate my private business to me and which you have hitherto found to be acceptable.

I would be happy to collect the Data from my local branch.

 

 

Yours faithfully,

[steven4064]

WHAT DO YOU GUYS THINK ???

Guilty conscience? Nah, can't possibly be

[Voda]

Hi Steven,

 

I am sure you are right.

 

But it appears that there is a wind of change and greater professionalism at WF.

 

That letter shocked me to say the least.

 

Voda

 

Guilty conscience? Nah, can't possibly be

[JonCris]

HI VODA

 

LETS SEE WHAT THEY OFFER YOU

 

WITH 8 % ON TOP

 

I still have an oustanding loan without PPI with them, can they knock their compensation off the amount that I still owe them.

 

THE ANSWER IS NO IF THE LOANS HAVE BEEN SETTLED, THEY CAN ASK, THATS ALL:)

 

 

If you ARE in arrears then yes they could argue that the compensation should be set against that loan but only to offset the actual arrears & no more

[Voda]

Hi JonCris,

 

H'mmmmmmmmmmmm !!

 

Looks like that I will not receive one penny then....

 

We shall see

 

Nite

 

Voda

 

If you ARE in arrears then yes they could argue that the compensation should be set against that loan but only to offset the actual arrears & no more

[JonCris]

Hi JonCris,

 

H'mmmmmmmmmmmm !!

 

Looks like that I will not receive one penny then....

 

We shall see

 

Nite

 

Voda

 

 

Juts make sure the refund also includes a refund of their exorbitance interest

[Dizzle]

Well after 10 weeks since my last attempt at communication with WF, I finally heard from them....

 

My first annual "we're obliged to give you" statement. I've not heard anything from them with regards to wanting any monies from me or a default notice, though I think this statement is an early warning I'll be hearing more from them shortly.

 

Interesting fact to point out: there is only 1 charge of £20 for a failed DD on the statement. They have only received 4 monthly instalments for July Aug Sept and Oct 2009, followed by 9 weekly payments of £2 from Jan through April 2010.

 

Compared to some of the stories on here, this is a bit strange.

 

I'll update my own thread when something worthwhile happens.

[082stewie]

Has anyone tried to re-claim the charges Welcome impose on accounts such as the £10 for a phone call and the £20 for a letter or missed direct debit?

 

I have a few and wondered if they are allowed to charge these.....Hmmm I am kind of looking for reasons to pick more of a fight with these guys.

 

Stewie

[dx100uk]

??

 

not been reading much then...

 

yes you can everyone + 8% int!!

 

 

go get 'em!!

 

dx

[082stewie]

??

 

not been reading much then...

 

yes you can everyone + 8% int!!

 

 

go get 'em!!

 

dx

Affraid I have not been reading enough

 

Do we have a sticky for this? Im trying to find threads where people have got this money back.

I got a call from Welcome the other day just confirming contact details, at the end of the chat he read of his script about the charges they levy on missed payments and phone calls. Suddenly I had a lightbulb moment.

 

Why would they be reminding people of this, Welcome do nothing without a reason.

 

So im hunting for threads regarding charges from suppliers, doesnt have to be Welcome, but would be good.

 

Stewie