Unenforceable Loan Agreement Welcome/MKRR problem

[Guest]

Re: Hello from Christian - Welcome/MKRR problem

Roger, over n out x

[Guest]

Re: Hello from Christian - Welcome/MKRR problem

Now filed: copies of both letters (#25 and #26), with 'Signed For' receipts stapled to them.
Trackable online.

[miliitant]

Re: Hello from Christian - Welcome/MKRR problem

thats the spirit

"And so it Begins" :beagle:

[Guest]

Re: Hello from Christian - Welcome/MKRR problem

BEST DEBT MANAGEMENT SERVICE
I highly recommend the free 'Consumer Credit Counselling Service'.
I strongly do not recommend using paid services for debt management.

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A basic bank account.
Read about different account types at the Money Advice Service.
For comparisons of charges on basic bank accounts, see this chart at Money Advice Service
For choice of banks, Wikipedia tells which are the biggest in the UK.

[Guest]

Re: Hello from Christian - Welcome/MKRR problem

Good Saturday afternoon miliitant - I have a reply from Welcome to our CCA request.

Due date for this letter: 8th July (i.e., well on time).

However, the reply I have received does the following:-

[1. Acknowledges receipt of £10 statutory processing fee and]

2. States that Welcome are "unable to verify (your) identity based on the information that you have provided"!!!!!

OOK, so I spent hundreds of hours on this in 2006, including communication with several ombudsmen and advice agencies. Now I have spent not a small amount of time on this forum and in paperwork and dispatch work, and payment of fees I can barely afford.

(Please bear in mind, I am self-employed. Message to Welcome: this entails working FOR money at some point).

Apparently, they require:-

1. Copies of either a passport or driving licence OR
2. Copy birth certificate OR
3. Copy marriage certificate OR
4. Copy bank statement of last 3 months OR
5, Copy utility bill of last 3 months.

They then state that they will "on receipt (of the above item)"..."open this case and respond to you within the appropriate regulatory time frame".

So, let's look at the evidence that they can't identify me:-

1. THEIR collection agency (I believe) - MKRR - have contacted me at this address numerous times. I had numerous conversations with a 'Brett' about trying to sell violins to pay their 'debt'. In the end I had to change my phone number, because, when I didn't succeed (at repaying their 'debt' this way), they were ringing me repeatedly whilst I was trying to work on the line as a clairvoyant to pay them, raising their voices in anger, as if that was going to help anyone.

2. I am also ON THE ELECTORAL REGISTER at this address.

3. I've lived here for TWO YEARS.

4. My CCA request letter gave my name, address, car loan account number and personal loan number (minus first 3 digits, as taken from credit reference agency, Noddle) AND signature (although this was not advised by yourself).

I'm sorry, but I feel I've paid my dues - am I legally bound to send them any more information - ?????

Sincerely.

[miliitant]

Re: Hello from Christian - Welcome/MKRR problem

welcome are doing this deliberetly

they can sod off

the request started when they received your request

NOT when they receive the requested details to open a case

i will type up a sutible letter for you to send welcome this weekend

they are still under the impression they can mess you around

outrageous

that i take it was a reply to the sar request from welcome, not a cca request

the cca request went to MKRR

[miliitant]

Re: Hello from Christian - Welcome/MKRR problem

Did you use a personal cheque or postal order for the £10 fee to welcome

PLEASE DELETE ANY PERSONAL DETAILS IN YOUR LAST POST

[Guest]

Re: Hello from Christian - Welcome/MKRR problem

OK, let's get this very straight.

(Thankyou for your request to remove my personal details, I have done so).

The letter is from Welcome - OMG waittaminute!!! -

.............in reply to my SUBJECT ACCESS REQUEST UNDER DPA 1998

.............and yet titled "Re. Consumer Credit Act Request".

I rest my case. I TOLD YOU THEY SEND ME "NONSENSICAL ******** LETTERS"!!!!

[miliitant]

Re: Hello from Christian - Welcome/MKRR problem

welcome can never comprehend between a cca and sar request, FOOLS,

i will draft a sutible reply this weekend for you and it will bar no punches, that i can assure you on

[Guest]

Re: Hello from Christian - Welcome/MKRR problem

Copy of the letter I sent to Welcome:

"TO:

Welcome Financial Services Ltd,
Ruddington Fields Business Park,
Mere Way,
Ruddington,
Nottingham,
NG11 6NZ
21^st May 2012


Dear Sirs,


Data Protection Act 1998
Subject access request ..."

[miliitant]

Re: Hello from Christian - Welcome/MKRR problem

welcome can never comprehend between a cca and sar request, FOOLS,

i will draft a sutable reply this weekend for you to send welcome and it will bar no punches, that i can assure you on

i just cannot believe that you are still working at notingham MR C, P

i have not gone away, your worst nemesis is still about


did welcome confirm the date they received your sar request

[Guest]

Re: Hello from Christian - Welcome/MKRR problem

The £10 was a cheque.

[miliitant]

Re: Hello from Christian - Welcome/MKRR problem

did they keep or return your cheque

have they banked the cheque

[Guest]

Re: Hello from Christian - Welcome/MKRR problem

welcome can never comprehend between a cca and sar request, FOOLS,

This is known as "lack of reasonable care and skill" and an offence against the Sale of Goods and Services Act 1974.

i will draft a sutible reply this weekend for you to send welcome and it will bar no punches, that i can assure you on

THANKYOU

i just cannot believe that you are still working at notingham MR C, P

The letter is from a lady in the complaints department and not signed. I believe a regulatory body are now handling all Welcome complaints? (nipping over to their website to check).

did welcome confirm the date they received your sar request

Yes, 31st May (sent 29th May).

[miliitant]

Re: Hello from Christian - Welcome/MKRR problem

that regulatory body is fscs

it is for welcome ppi claims only