To Welcome Finance
XXXX
From: POOCHIE
XXX
I am writing to inform you that when you sent me my SAR documents you actually sent me confidential information on another of your customers in the same envelope.
I believe that this is in breach of the Data Protection Act and therefore I have reported this matter to the I.C.O office.
The documents were in the name of XXXXXX
Address xxxxxxx
The documents enclosed and therefore returned to you are as follows:
Field report with dates of loans
Customers names and address
Telephone numbers
Salary details
Monthly payment details
Comments on the customer
Mothers card details
Card numbers
Security codes from cards
Expiry dates
Valid from dates
I have of course returned these to you by recorded delivery and I would appreciate your confirmation of receipt in writing and also a remittance of £20.00 would be appreciated to cover my time and postage costs which would not have been incurred had you not sent these documents in error.
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Posted up for comments
When finalised I suggest you :
Send the full letter to Welcome with the documents by recorded delivery
Send a copy to the ICO - marked copy
Send a copy with your address and name blanked out to the persons whos info you received. On the bottom of this letter write - "I believe Welcome have committed a serious breach of the Data Protection Act
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Poochie we need to do a summary of where you are with everything
I will be back later
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Arrears and charges letter:
I refer to your letter dated 9/12/08. I am very confused by your figures and find it very un-professional that you write a letter regarding arrears without giving me a breakdown of how you arrive at the figure of £1830.82. I did in fact pay Decembers payment by cash so would be grateful if you would revise your figures to take that into account.
Further more I would refer you to a conversation with xxxx on xxx
When it was in fact agreed that due to financial difficulties I could in fact miss the following payments
xxxxxx which would total XXXX.I was told that these would not in fact show as arrears but would be added on to the end of my loan. I am sure if you check you will have a record of the conversation. I feel that I made every effort to contact you and explain our position and find it very upsetting that you are now apparently reneging on this arrangement. As a result of this I would be grateful if you would keep all other contact in writing as I do not appreciate some of the rude and intrusive telephone calls I have been receiving.
In view of my comments above please reply with the following
1) Confirmation that you have checked your records for the agreement that was made.
2) A full break down at the date of your next letter of what you consider the underpayments to be
3) Please confirm that these can be added on to the end of the loan as agreed.
4) I would also like a full explanation of justification for all the charges on my account as listed total £245.00. At times when my payment was I received no letters or calls ( until very recently ) so I would like an explanation of how you can justify the many £10 and £20 fees on my account. As far as I am concerned as stated above I made up any late payments as soon as I could and the missing payments were agreed with a member of your staff so I am at a loss to see how you can justify charges on my account of £245.00. Please consider this an official complaint about these charges and I look forward to your reply.
also about Welcome Finance, although I don't appear to have PPI on my agreement, I hope I posted mine in the correct place to be read. I am more concerned how I go about getting the agreement annulled without having to pay out for costly solicitors etc which all seem to want a hefty sum upfront or after. xx
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