welcome finance help needed

[dogtired]

Re: welcome finance help needed

Have you seen elsewhere re Welcome being "In default"

[Bill-K]

Re: welcome finance help needed

Sorry to hear about your son, Poochie. Sure, it would be settled once and for all if you take it to court, but taking a matter to court is not necessarily a guarantee that it will be sorted out in your favour. A court HAS to hear both sides' stories, and then decide on the matter. There is no guarantee that it will find in your favour, even though it looks very likely that it would.

The FOS route is slower, but is free of any risk of costs. If WFC refuse to pay up after the FOS has adjudicated, THEN I would suggest you take them to Court to enforce the FOS ruling. WFC would find it VERY difficult to win THAT in Court !!!

[poochie]

Re: welcome finance help needed

i didnt mean to fight welcome in court, I just mean to settle it because we do owe the debt of the loan but we just want the ppi and charges sorted which they seem to keep changing. We just want it settled thats all..... we aint arguin we owe the loan, our complaint has been all the charges and the ppi which if they would stop messin arounf then we could get it settled and finish payin the loan and not have th worry constantly hangin over our heads.
I have forgotten to search out the last letter from fos coz my son had nasty fall and broke some bones whilst havin coachin lessons at reputable skatin park and they did not put protective gear on him so we have had very tearful and worrying weekend and start of week.... he finally settled now and in stookies so makin his wee pals jealous coz he has valid excuse for not goin to school now.....ha ha
anyways, I will try search out the letters from fos and post details up tomorrow if possible. It sounds like I need to write to them and find out wat stage the complaint is at like you say bill but yet again welcome have not replied to the 14 day noitice I gave them to please resolve this matter and do a fair agreement which would have us in same position as original agreement..... this is wat frustrates me, they never respond to our letters then they say we are ignorin their letters which we never get........
Thanx pompeyfaith for your input as well..... it may well be a complaint to srt but it seems thats all I do nowadays is complain in writing....its gettin frustratin..... we just want it all resolved one way or another....... all help and advice very much appreciated

[pompeyfaith]

Re: welcome finance help needed

I agree with Bill with regards to the fos but if you feel they are not giving you a good level of service fire of a letter to the service review team at the fos they will investigate and kick those responsible into touch if need be

the SRT at the fos is the complaints dept and one step below the independant assessor

[Bill-K]

Re: welcome finance help needed

There is nothing to stop you taking this to Court, Poochie - and that is your right. The danger with taking this to Court is that you are at risk of WFC deciding to fight you. They seem to be either stupid or arrogant enough to do that. There is the risk that you could be forced to go up against a good barrister, and that you would then need to employ your own counsel. If it got to that stage, then somebody has to pay the costs of all that in the end. I admit that it seems unlikely, but it is still possible that it could be you.

Exhausting the FOS route first would be my recommendation. You need to get the FOS to tell you exactly what stage this complaint/claim is at. You have a right to a straight answer from them. You have NO risk of being saddled with costs.

If you really want this heard in Court, then I would challenge WFC to either take it to Court themselves, or settle on your terms. Make it quite clear to them that their conduct thus far will not be seen favourably...etc., etc., etc....

JMHO, though.

[poochie]

Re: welcome finance help needed

it was done as a complaint and we got letters from them telling us to forward any letters or report any calls we got from welcome whilst they were investigatin. I will look thru paperwor for last letter we got from fos
welcome are also still sendin copies of any letters they send us, to the fos, so I dont understand why the fos are not taking more to do with this.
its liek we been doin all we can to try resolve this, but the fos and welcome aint co-operating.....
I will get all the paperwork out again tomorrow and try find last letter from fos, I was hopin to get some result after I sent welcome the 14 day notice to resolve this before I took matters further, but I know they will ignore it...
Im due to go into hospital for surgery on 14th march and I knwo this is goin to be preyin on mind the whole time Im away from home.
My husband lets me deal with all this altho he helps wen tryin to sort figures and small print out wne they send us letters etc but he wont do anythin whilst Im away so it will be constant worry.
I still think that taking this to court would put a stop to all the nonsense from welcome and they would be forced to respond etc....... why cant I just do that?

[seduraed]

Re: welcome finance help needed

I'm away from home at the moment but i'll look through my archive next wednesday and see if i can find a standing order mandate for welcome if so I'll post it up here .

[Bill-K]

Re: welcome finance help needed

Have you actually submitted this as a formal claim to the FOS, Poochie ? If not, then I guess you will be ignored by them. If this is formally submitted, then WFC must await the FOS's determination, AND you should NOT be totally ignored by the FOS.

But it MUST be clearly submitted as a claim - not an enquiry !!!

[poochie]

Re: welcome finance help needed

thanks scoobydoo....it has taken so long to get this far and thats not very far..... but the guys on this site have been brilliant......

seduraed....all branches in dundee have been closed down.... if there was a branch in dundee I would not have been writing so many letters to nottingham...... and I would most definately have visited the offices if they had any in dundee which they dont which is partly why I am having so many problems with them now..... That would be an obvious solution to visit offices, but its not possible since they closed them down and even the building has been demolished....

Bill-K..... the fos were involved along the way, but have not replied to 4 letters I sent them regardiing wfs lack of interest in collecting money and also writing a new agreement to put us in same position as we were with original agreement, and I also sent them letters we got from welcome finance, I kept doin this but they suddenly just stopped replying as well.

All this is why this is very frustrating.... we keep issuing threats to get welcome to respond but they dont, we thought the fos would help but they have done a dissappearing act on us as well. Thats why I thought, take it to court to be sorted once and for all because this could go on for another year or two with us writing letters and gettin no response.....
We are not doing this for compensation, we want this sorted because its like a dark cloud hanging over us all the time.

thanks to everyone for helping and advising, always much appreciated.

[Bill-K]

Re: welcome finance help needed

Just my own personal opinion, but I would suggest you refer this to the FOS now, Poochie. There is no risk of incurring costs, which there could be if you go to Court. The re-drafting of the agreement is clearly against the FOS guidelines, as it does not put you in the position you would have been if you had not been sold the PPI/Medicare.

Additionally, considering WFC's conduct in this matter, I would expect the FOS to order that WFC pay you some compensation in addition to the amount they have offered.

It may elicit a response from them if you tell them this, and remind them that the FOS will also charge them for adjudicating.

[seduraed]

Re: welcome finance help needed

if you are near a branch you could call in and pick one up. Branches are authorised to collect payments. So you could go into the branch and make payments. Make sure you get a proper receipt this should be signed bythe person you give the money and by another member of staff. I know this is a pain but it may be a solution to the problem.

[scoobydoo]

Re: welcome finance help needed

Hi Poochie

I never imagined that this would have dragged on so long for you. Just to say well done for your perseverence and thanks to all the people that have assisted you.

[poochie]

Re: welcome finance help needed

seduraed...we already do wat you suggest. We have a bank account we never used due to lack of funds etc, but we now use that to place the monthly payments for welcome into it....
We also mentioned standing order to our bank but they cant help unless welcome issue a certain form. we have tried everything without success this is why it is frustratin us now because no matter what we do, and that includes gettin our trust deed advisor involved, we seem to get nowhere with welcome.
Bill-K.... we always send letters recorded delivery so we can track them and each one has been delivered and signed for.
I had a look at letter you done for erica but I have already sent letters along that line to them and get no response.......this is why I am gettin very angry at them.....they ignore our letters then we suddenly get letters from them sayin we are ignorin the letters or questionnaires they send us...... we cant seem to win with them which is why I was considering taking this into a court to get it sorted because they are deliberately ignorin us and claimin not to have got our letters wen I know they have and they had to sign for it.

If I go to a court, what kind of claim does it come under?.... i just dont know how to address this for a court?
all help and advice much appreciated...thanx

[Bill-K]

Re: welcome finance help needed

FWIW, I agree with Seduraed, Poochie. It is either gross incompetence or deliberate obstruction - but whichever it is, it is completely unacceptable. Did you send the last letter(s) by a method of recorded delivery ?

You need to be able to show clearly to a court that you have done all you can reasonably be expected to do to resolve this, and all the evidence you can gather to support this will be important. If they then threaten YOU with court action, you can tell them that "Their conduct in the matter thus far will not be looked upon in a very favourable light by a Court of Law."

This SHOULD have the effect of forcing them to deal with you properly, because they know they will have a hard time convincing a court of their case.

I recently suggested this letter for Eryca. You may find sending them something along those lines might help.

Legal Beagles Consumer Forum - View Single Post - lloyds scums

[seduraed]

Re: welcome finance help needed

First its better if you go for a standing order form . Try ringing the cambridge branch they may co-operate and send the forms out to you. open a cash account and make the due repayments into it each month then if they take you to court you have a masive defence against a repossession. Also try to pa by card again and record the conversation if they refuse then its more ammunition against reposession.