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Welcome Finance - Help with possible fraud
Hi
This is my first time on this site but am now completely stuck with where to turn regarding this sham of a company.
Back in 2007, my partner (who I was not with at the time) applied for a consolidation loan with this company for £2000. He went in, signed the paperwork and assumed all was fine until his debtors started to contact him to say he still owed money. When he telephoned Welcome Finance, they told him that they wouldnt pay anything off for the first year as this is their fee (ridiculous but will continue.) After numerous telephone conversations, they said that he did not have a consolidation loan but a personal loan. This is not what he wanted. After numerous more telephone calls, my partner decided to just cancel the direct debit as none of his debts had been paid and the supposed "personal loan amount of £2000" he had not received into either of his bank accounts. They hassled his previous landlady into not wanting to answer the telephone and even sent debt collectors to his place of work.
Since meeting my partner, I have taken this company on and trying to clear his name, as he has made 4 payments for a loan he never had and ended up with a CCJ due to it. The financial obudsman can not help as quite some some has passed. I have the SAR information and thats a complete joke. Multiple copies of the same thing, Conveniently, the only piece missing from the file is the confirmation of where the supposed "loan" was sent to, which bank etc. When I telephoned them to ask them for the bank details of where it was sent to, they gave me their own bank details which was rather suspicious and more red flags popped up in my head.
Can anyone help me, my partner is now very sick over this. I want to sue them for deformation of character, stress, and data protection but don't know how. I have requested copies of all statements from the Halifax (where they think it may have gone) although they would say that as that is the only bank paperwork in their file, despite taking the money by direct debit from Barclays.
I appreciate any assistance, help or anything else as we are both now physically and mentally drained, and Im worried my partner will have a heart attack.
Natalie
This is my first time on this site but am now completely stuck with where to turn regarding this sham of a company.
Back in 2007, my partner (who I was not with at the time) applied for a consolidation loan with this company for £2000. He went in, signed the paperwork and assumed all was fine until his debtors started to contact him to say he still owed money. When he telephoned Welcome Finance, they told him that they wouldnt pay anything off for the first year as this is their fee (ridiculous but will continue.) After numerous telephone conversations, they said that he did not have a consolidation loan but a personal loan. This is not what he wanted. After numerous more telephone calls, my partner decided to just cancel the direct debit as none of his debts had been paid and the supposed "personal loan amount of £2000" he had not received into either of his bank accounts. They hassled his previous landlady into not wanting to answer the telephone and even sent debt collectors to his place of work.
Since meeting my partner, I have taken this company on and trying to clear his name, as he has made 4 payments for a loan he never had and ended up with a CCJ due to it. The financial obudsman can not help as quite some some has passed. I have the SAR information and thats a complete joke. Multiple copies of the same thing, Conveniently, the only piece missing from the file is the confirmation of where the supposed "loan" was sent to, which bank etc. When I telephoned them to ask them for the bank details of where it was sent to, they gave me their own bank details which was rather suspicious and more red flags popped up in my head.
Can anyone help me, my partner is now very sick over this. I want to sue them for deformation of character, stress, and data protection but don't know how. I have requested copies of all statements from the Halifax (where they think it may have gone) although they would say that as that is the only bank paperwork in their file, despite taking the money by direct debit from Barclays.
I appreciate any assistance, help or anything else as we are both now physically and mentally drained, and Im worried my partner will have a heart attack.
Natalie
