Poochie and WFS Summary

[enaid]

Re: Poochie and WFS Summary

i dont thinks so enaid..... just the FOS that i have corresponded with so im sure the answer is no.

will they be able to help?

I asked because in post 12 on here you had this reply

"To **************@hotmail.com


Dear ***********

I am sorry for the delay in replying to your email, however please be assured that your query is being looked into and a response, or update will be sent to you within the next five working days.

Yours sincerely

Thomas Szymkiw
FSCS Operations
Welcome Financial Services Ltd"

As you can see the FSCS is mentioned.

As Welcome has been declared in default the FSCS are supposedly compensating people from 2005 I think they maybe able to give you some help if you try and explain the situation and how you are being messed about.
Have a read of this

FSCS As for Welcome Financial Services Limited

[poochie]

Re: Poochie and WFS Summary

ok.... now im with you enaid... you mean the claims people dealin with ppi refunds/compensations etc.
I have had correspondence from them but they said unless the FOS issued them with final decision or somethin then they cant do anythin but it is basically still under investigation or somethin..... I will try find the e-mail i got from them but it was recently like in past 6wks coz i posted on here about it and then contacted fos and they had lost some of my paperwork etc so thats why fscs cant do anythin yet.... thye definately said they would send claim form to us but then couldnt because fos has not closed investigation or somethin......

teaboy thanks for that info but do you mean I should contact dca and tell them i am refusin to deal with them and basically just pay into an account with our normal monthly payments for welcome?... could the dca not take action then?.....
I know i sound daft but its all worryin because its secured loan on our property.

[poochie]

Re: Poochie and WFS Summary

sparkie i dont see any posts from you apart from apology for postin in wrong place

[enaid]

Re: Poochie and WFS Summary

[QUOTE=poochie;227438]ok.... now im with you enaid... you mean the claims people dealin with ppi refunds/compensations etc.
I have had correspondence from them but they said unless the FOS issued them with final decision or somethin then they cant do anythin but it is basically still under investigation or somethin..... I will try find the e-mail i got from them but it was recently like in past 6wks coz i posted on here about it and then contacted fos and they had lost some of my paperwork etc so thats why fscs cant do anythin yet.... thye definately said they would send claim form to us but then couldnt because fos has not closed investigation or somethin......


Now I maybe way out on thinking this but I would have taken this

Aug 2011 Back to FOS who eventually tell OP to sign new agreement form still with no figures.

as a closure from the FOS, it is only that you have refused to sign (what it seems to me like signing a blank cheque) that this is still ongoing and the reason the FOS will take it no further.

Further more if they can't deal with it yet (the FSCS) why are they writing to you telling you they will respond to you in the next five working days? and have they?

[poochie]

Re: Poochie and WFS Summary

i have not heard from them yet enaid....

I will go check my e-mails again, i got distracted by phonecall last night so i forgot to do it.
i will go search for the e-mail regarding closure from fos before we get forms from fscs.

should be back shortly to copy and paste.

[poochie]

Re: Poochie and WFS Summary

Dear Mrs
Our Ref: WFSL

Thank you for your email on the 9th June 2011.

My apologies for your inconvienance, As you may know, Welcome Financial Services Limited (WFSL) was declared "in default" by the Financial Services Compensation Scheme (FSCS) on 2 March 2011. On behalf of the FSCS, WFSL is making arrangements to contact claimants who were sold Payment Protection Insurance (PPI) by WFSL on or after 14 January 2005.

I have traced your account on WFSL records and have arranged for an application form to be sent to you. On receipt of your fully completed form we will endeavour to progress your claim quickly and efficiently.

I look forward to receiving your form however if in the meantime if you have any further queries, please email us on claimanthelp@cattles.co.uk or contact our customer services team on 0845 373 0386


Yours sincerely


Lucy Ash
Eligibility Team
FSCS Operations
Welcome Finance
------------------------------- merged -------------------------------
claimant help

• 
  
  
  

To @hotmail.com


Dear Mrs

Thank you for your email. I apologise for the delay in my response. I have re-investigated your claim and have come to the following conclusions. Your case is currently with the Financial Ombudsman Service (FOS ) and we will need their final response before we can send you an application form. I understand the frustration this may cause you. Unfortuantely i cannot put a timescale on this, but as soon as we recieve a response from the FOS, an application form will be sent to you immediately.

Furthermore, please could you provide us with your current contact details in order to keep our records up to date.

I hope this answers your questions, however if you have any other queries, please do not hesitate to contact me via email on claimanthelp@cattles.co.uk

Regards
Thomas Szymkiw
General Correspondence
FSCS Operations
Welcome Financial Services Ltd


>>> --------------@hotmail.com> 21/06/2011
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this is replies from FOS that i got.....

tom lax @ FOS

• 
  
  
  

To **************

Dear ***********

Thank you for your email. I am in the process of reviewing your complaint at present and will contact you shortly. Please could you re-state the current position and what you are waiting for from Welcome.

Yours sincerely,

Tom Lax | Adjudicator | Financial Ombudsman Service | South Quay Plaza, 183 Marsh Wall, London, E14 9SR |Tel 0203 222 4772
------------------------------- merged -------------------------------

• 
  
  
  

To **********


Dear ************
I have reviewed your email and the history of your two complaints with the Financial Ombudsman Service and spoken with a representative of Welcome Finance (Welcome).
From the email you sent yesterday my understanding that the key issues are that:

• There are numerous charges on your account applied by Welcome for telephone calls, letters and interest. You dispute that these should not have been added.
• It has not refunded your mis-sold PPI premium.
• It has not provided a new loan agreement for you to sign that reflects our approach to redress.
• Debt recovery action is taking place on your account by Empingham Debt Recovery which you believe should not be happening due to an ongoing complaint with the Financial Ombudsman Service.
• You want a written agreement to show that no interest has been added to your account since you made your complaint about the PPI policy.

With regards to the charges applied to your account - I am of the opinion that these were comprehensively reviewed by Daniel Gillett in his letter of 3 March 2010. I note that this was re-sent as an attachment to an email by Denise O'Dowd on 26 April 2010. I cannot see evidence to suggest that you asked this complaint to be reviewed by an ombudsman. Given the significant amount of time that has passed we will not be able to re-open this complaint. We will only re-open complaints when there is new material evidence which may influence the outcome.

Having spoken to a representative of Welcome I have been informed that your PPI policy has not been refunded as you have not signed and returned your new loan agreement. I am of the opinion that this is reasonable as signing the new agreement was part of the offer we put to you originally. I have not seen a copy of the new loan agreement, but I understand from emails I have reviewed that you were unhappy with the agreement as it showed the original amount of the loan and not an altered figure to take account of what you had paid. I am of the opinion that it is standard practice for the new loan agreement to reflect the original loan amount, but having not reviewed it I am not able to say whether it is reasonable overall. Please could you send me a copy of the agreement if you have one so that I am able to do this.

You are liable to make payments on your loan account in spite of the fact that you have a complaint with the Financial Ombudsman Service. Whilst I understand from an email sent by Denise O'Dowd on 18 December 2009 that Welcome said it would make no further collections, I note that it requested that you still made payments to your account. Given the time that has passed since this email was sent, and the fact that Welcome has held back on taking debt recovery action despite the arrears on your account, until now, I am of the opinion that it seems reasonable for Empingham to be undertaking debt recovery action.

Though you have had a complaint with the Financial Ombudsman Service for some time, you have remained liable for your loan repayments, this includes interest that has accrued over this period. We do not consider it reasonable to miss payments because you have an outstanding complaint, unless you have made reduced payments to reflect the cost of the policy. As such we will not recommend to Welcome that they produce a written statement showing no interest has been added to the account since the advent of your complaint.
Please send a copy of the suggested loan agreement to me quoting our reference, so I can review this as stated above.

Yours sincerely,
Tom Lax | Adjudicator
Financial Ombudsman Service | South Quay Plaza, 183 Marsh Wall, London, E14 9SR
Direct Dial: 0203 222 4772
E mail: Tom.Lax@financial-ombudsman.org.uk




------------------------------- merged -------------------------------
it seems welcome has been insinuating we refused to pay our payments yet we have letters proving we have asked for new mandates.
I keep sayin wen we phone to make payments they say their dept dont deal with it and we get passed along to another dept then cut off.....
we have never refused to pay.

I just dont think the FOS are helping us in any way.

why should we sing new agreement showing original loan figures which had ppi and medicare on them...... it just doesnt seem right to us

[SpringerSpaniel]

Re: Poochie and WFS Summary

I agree the FOS are being less than helpful.

However, they have offered to review the new loan agreement, and I think you have nothing to lose from sending this and accepting their offer to look at it.

The FOS staff are not always legally qualified and do sometimes get things wrong. I would re-iterate my previous advice that the complexity of your case merits independant and professional legal advice.

If I am right to think you are fairly near the Govan Law Centre, they are excellent and their advice is free.

[Caspar]

Re: Poochie and WFS Summary

The FOS reply does not sadly surprise me. I'm unsure without reviewing the post when you made the complaint, but they have centred in on the fact that the new loan agreement did not reflect accurately the new amount outstanding, whereas I believed your complaint to be that the interest rate had been raised in the new loan agreement, thus actually amending the initial one, and that you were being asked to sign something with no other details completed.

They also seem totally unaware of the fact that you have tried several times to reinstate the payments - was this mentioned in your complaint?

As regards the Govan Law Centre, if I remember rightly you did go to see them and they said they did not deal with ppi claims. I posted suggesting that you should go back not focusing on the ppi side, but on your complaint with regards to the loan agreement and WFS refusing payments (and now instructing a DCA), with the ppi being a side issue relating to this.

I'm unsure whether or not you've acted on this suggestion.

[teaboy2]

Re: Poochie and WFS Summary

teaboy thanks for that info but do you mean I should contact dca and tell them i am refusin to deal with them and basically just pay into an account with our normal monthly payments for welcome?... could the dca not take action then?.....
I know i sound daft but its all worryin because its secured loan on our property.

Thats exactly what am saying poochie, Bascially welcome are in repudiation of contract for refusing to allow you to make repayments to them, you can not sign the new agreement as it is blank where amounts and interest amounts should be shown and therefore falls short of complying too the perscribed terms as perscribed by the consumer credit act 1974. There is in fact no need for a new agreement as all that has altered is the terms for PPI have been revoked, let all other terms of the original agreement are still valid. Putting the payments in to a post office account and producing the account statements to the judge would show your willing to honour the terms of the agreement but simply have not been allowed to make the payments to welcome.

If the DCA or welcome took you to court then it would be to your benefit in my opinion, as you can claim welcome were in repudiation of contract by refusing to accpet your payments and their was no need to sign a new agreement exspecially one that was blank in key areas and therefore did not comply with the prescibed terms and would have been like signing a blank cheque where welcome could then fill in the blanks with whatever amounts they liked after you had signed the agreement. Also in defualt issued to your credit file would be deterimental for which you could also claim damages for.

I would make it clear to the FOS and the FSCS by stating what i put said above and sending them a copy of the blank agreement.

The FOS and FSCS can not decide on legal issue apparently. Or so the FOS told me in a response to my complaint for unalwful rescission by MBNA a couple of years back. But they can only decide on the creditors conduct and enforceableness of any agreement or missold ppi etc

As others have suggest if i was you i would go see a solicitor with this.

And as for this:

"Though you have had a complaint with the Financial Ombudsman Service for some time, you have remained liable for your loan repayments, this includes interest that has accrued over this period. We do not consider it reasonable to miss payments because you have an outstanding complaint, unless you have made reduced payments to reflect the cost of the policy. As such we will not recommend to Welcome that they produce a written statement showing no interest has been added to the account since the advent of your complaint.
Please send a copy of the suggested loan agreement to me quoting our reference, so I can review this as stated above.

Read more at: Poochie and WFS Summary - Page 2 - Legal Beagles Consumer Forum "

Well collecting on a debt that is subject to a dispute is a breach of OFT guidelines, because such action is deemed unreasonable by the OFT.

[leclerc]

Re: Poochie and WFS Summary

Dear Mrs
Our Ref: WFSL

Thank you for your email on the 9th June 2011.

My apologies for your inconvienance, As you may know, Welcome Financial Services Limited (WFSL) was declared "in default" by the Financial Services Compensation Scheme (FSCS) on 2 March 2011. On behalf of the FSCS, WFSL is making arrangements to contact claimants who were sold Payment Protection Insurance (PPI) by WFSL on or after 14 January 2005.

I have traced your account on WFSL records and have arranged for an application form to be sent to you. On receipt of your fully completed form we will endeavour to progress your claim quickly and efficiently.

I look forward to receiving your form however if in the meantime if you have any further queries, please email us on claimanthelp@cattles.co.uk or contact our customer services team on 0845 373 0386


Yours sincerely


Lucy Ash
Eligibility Team
FSCS Operations
Welcome Finance
------------------------------- merged -------------------------------
claimant help

• 
  
  
  

To @hotmail.com


Dear Mrs

Thank you for your email. I apologise for the delay in my response. I have re-investigated your claim and have come to the following conclusions. Your case is currently with the Financial Ombudsman Service (FOS ) and we will need their final response before we can send you an application form. I understand the frustration this may cause you. Unfortuantely i cannot put a timescale on this, but as soon as we recieve a response from the FOS, an application form will be sent to you immediately.

Furthermore, please could you provide us with your current contact details in order to keep our records up to date.

I hope this answers your questions, however if you have any other queries, please do not hesitate to contact me via email on claimanthelp@cattles.co.uk

Regards
Thomas Szymkiw
General Correspondence
FSCS Operations
Welcome Financial Services Ltd


>>> --------------@hotmail.com> 21/06/2011
------------------------------- merged -------------------------------
this is replies from FOS that i got.....

tom lax @ FOS

• 
  
  
  

To **************

Dear ***********

Thank you for your email. I am in the process of reviewing your complaint at present and will contact you shortly. Please could you re-state the current position and what you are waiting for from Welcome.

Yours sincerely,

Tom Lax | Adjudicator | Financial Ombudsman Service | South Quay Plaza, 183 Marsh Wall, London, E14 9SR |Tel 0203 222 4772
------------------------------- merged -------------------------------

• 
  
  
  

To **********


Dear ************
I have reviewed your email and the history of your two complaints with the Financial Ombudsman Service and spoken with a representative of Welcome Finance (Welcome).
From the email you sent yesterday my understanding that the key issues are that:

• There are numerous charges on your account applied by Welcome for telephone calls, letters and interest. You dispute that these should not have been added.
• It has not refunded your mis-sold PPI premium.
• It has not provided a new loan agreement for you to sign that reflects our approach to redress.
• Debt recovery action is taking place on your account by Empingham Debt Recovery which you believe should not be happening due to an ongoing complaint with the Financial Ombudsman Service.
• You want a written agreement to show that no interest has been added to your account since you made your complaint about the PPI policy.

With regards to the charges applied to your account - I am of the opinion that these were comprehensively reviewed by Daniel Gillett in his letter of 3 March 2010. I note that this was re-sent as an attachment to an email by Denise O'Dowd on 26 April 2010. I cannot see evidence to suggest that you asked this complaint to be reviewed by an ombudsman. Given the significant amount of time that has passed we will not be able to re-open this complaint. We will only re-open complaints when there is new material evidence which may influence the outcome.
What was the outcome of this?(apologies but I must know and it may be on this thread so if it is then tell me).
Having spoken to a representative of Welcome I have been informed that your PPI policy has not been refunded as you have not signed and returned your new loan agreement. I am of the opinion that this is reasonable as signing the new agreement was part of the offer we put to you originally. I have not seen a copy of the new loan agreement, but I understand from emails I have reviewed that you were unhappy with the agreement as it showed the original amount of the loan and not an altered figure to take account of what you had paid. I am of the opinion that it is standard practice for the new loan agreement to reflect the original loan amount, but having not reviewed it I am not able to say whether it is reasonable overall. Please could you send me a copy of the agreement if you have one so that I am able to do this.
My understanding was that the new loan agreement was actually with a different interest rate so can you confirm that this was the case because that is what they should be looking at.
You are liable to make payments on your loan account in spite of the fact that you have a complaint with the Financial Ombudsman Service. Whilst I understand from an email sent by Denise O'Dowd on 18 December 2009 that Welcome said it would make no further collections, I note that it requested that you still made payments to your account. Given the time that has passed since this email was sent, and the fact that Welcome has held back on taking debt recovery action despite the arrears on your account, until now, I am of the opinion that it seems reasonable for Empingham to be undertaking debt recovery action.
I think that the issue of debt collection and arrears have resulted from the delay in dealing with the complaint with regards to the FOS Guidelines on redress and PPI. Furthermore, I think you need to say that you are not against making payments but you need to know how much to pay since the new agreement unsigned gives a different amount, the PPI refund might reduce the loan substantially(as it will now have to go through the FSCS process as far as I am aware which in all likelihood will reduce/remove arrears.
Though you have had a complaint with the Financial Ombudsman Service for some time, you have remained liable for your loan repayments, this includes interest that has accrued over this period. We do not consider it reasonable to miss payments because you have an outstanding complaint, unless you have made reduced payments to reflect the cost of the policy. As such we will not recommend to Welcome that they produce a written statement showing no interest has been added to the account since the advent of your complaint.
.....but could they provide a statement from the point in which you stopped payments to today's date?
Please send a copy of the suggested loan agreement to me quoting our reference, so I can review this as stated above.

Yours sincerely,
Tom Lax | Adjudicator
Financial Ombudsman Service | South Quay Plaza, 183 Marsh Wall, London, E14 9SR
Direct Dial: 0203 222 4772
E mail: Tom.Lax@financial-ombudsman.org.uk




------------------------------- merged -------------------------------
it seems welcome has been insinuating we refused to pay our payments yet we have letters proving we have asked for new mandates.
I keep sayin wen we phone to make payments they say their dept dont deal with it and we get passed along to another dept then cut off.....
we have never refused to pay.

I just dont think the FOS are helping us in any way.

why should we sing new agreement showing original loan figures which had ppi and medicare on them...... it just doesnt seem right to us

I don't think anyone on here in the past would have suggested halting all payments to a customer, reduced payments, most certainly or token payments to at least mean that you were not refusing to pay the loan.
I think you need to give her copies of the original loan agreement and the new loan agreement which should if memory serves me right, have a completely different interest rate(contrary to redress guidelines of the FOS) and different payments had the PPI not been added(ie loan payment excluding PPI on agreements significantly different).

Can you write down(post on the forum) the APR on loan 1(the orignal) and loan 2(the alleged new loan)?

[poochie]

Re: Poochie and WFS Summary

springer spaniel...... I have sent copies of both loan agreements to fos but had no reply...
As for govan law society....I am about 200 miles away from them which is why I contacted them by e-mail then by telephone.

Casper..... Yes i have mentioned to everyone i talk to that I have written letters and e-mails and contacted welcome by phone to make payments but no one seems to think thats important or they chose to ignore that fact.
As for law society, again i contacted them and they referred me to other people and it was like wild goose chase with no one able to take my case on here in dundee..... It was like hittin my head off brick wall.....

Teaboy, I will draft up letters to fos and fscs tomorrow and take up your advice as it seems possibly the only way I will get closure on this. I wont enjoy being taken to court, and at this moment in time now, we are not worried about sale of house if it sorts this problem out once and for all. Our nerves are shattered and we fed up fighting over this.

Leclec, I will try find the info you need about interest on both loans..... Im sure i added the links again a couple of days ago but will go look again.


thankyou so much everyone, all info and advice very much appreciated

[poochie]

Re: Poochie and WFS Summary

http://i76.photobucket.com/albums/j1...21-12-09P1.jpg

http://i76.photobucket.com/albums/j1...21-12-09P2.jpg
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http://i76.photobucket.com/albums/j1...arch2010p3.jpg

http://i76.photobucket.com/albums/j1...arch2010p2.jpg
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april 2010 e-mail from fos after we refused to sign new contract which still showed ppi

Dear Mrs

It is normal for a new agreement to be sent to you showing the original amount borrowed - If you borrowed originally £15,00.00 the loan statement will show £15,00.00.

This is what you will be expected to sign

Once the signed forms are received Welcome Finance will then calculate the redress due to you.

I am unsure why Welcome Finance have neglected to remove the payment protection premium from your loan agreement - I will request an explanation from them.

Yours sincerely

Denise O'Dowd | Adjudicator | Financial Ombudsman Service | South Quay Plaza, 183 Marsh Wall, London, E14 9SR
Tel 0207 964 0088 | Fax 0207 964 0089
Denise.O'Dowd@financial-ombudsman.org.uk

Read more at: welcome finance help needed - Page 17 - Legal Beagles Consumer Forum

[teaboy2]

Re: Poochie and WFS Summary

springer spaniel...... I have sent copies of both loan agreements to fos but had no reply...
As for govan law society....I am about 200 miles away from them which is why I contacted them by e-mail then by telephone.

Casper..... Yes i have mentioned to everyone i talk to that I have written letters and e-mails and contacted welcome by phone to make payments but no one seems to think thats important or they chose to ignore that fact.
As for law society, again i contacted them and they referred me to other people and it was like wild goose chase with no one able to take my case on here in dundee..... It was like hittin my head off brick wall.....

Teaboy, I will draft up letters to fos and fscs tomorrow and take up your advice as it seems possibly the only way I will get closure on this. I wont enjoy being taken to court, and at this moment in time now, we are not worried about sale of house if it sorts this problem out once and for all. Our nerves are shattered and we fed up fighting over this.

Leclec, I will try find the info you need about interest on both loans..... Im sure i added the links again a couple of days ago but will go look again.


thankyou so much everyone, all info and advice very much appreciated

The beauty of going to court if they make a claim against you is they stand very little chance of winning, the majority of judges would throw their claim out, once you have shown it is they that refused your payments, and not you refusing to pay. So the chance of losing your house here is virtually zero, and it will be them leaving court with a bruised ego and a good dressing down by the judge for their actions and likely the inactions of the FOS and FSCS for allowing it to get as far as court.
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http://i76.photobucket.com/albums/j1...21-12-09P1.jpg

http://i76.photobucket.com/albums/j1...21-12-09P2.jpg
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http://i76.photobucket.com/albums/j1...arch2010p3.jpg

http://i76.photobucket.com/albums/j1...arch2010p2.jpg
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april 2010 e-mail from fos after we refused to sign new contract which still showed ppi

Dear Mrs

It is normal for a new agreement to be sent to you showing the original amount borrowed - If you borrowed originally £15,00.00 the loan statement will show £15,00.00.

This is what you will be expected to sign

Once the signed forms are received Welcome Finance will then calculate the redress due to you.

I am unsure why Welcome Finance have neglected to remove the payment protection premium from your loan agreement - I will request an explanation from them.

Yours sincerely

Denise O'Dowd | Adjudicator | Financial Ombudsman Service | South Quay Plaza, 183 Marsh Wall, London, E14 9SR
Tel 0207 964 0088 | Fax 0207 964 0089
Denise.O'Dowd@financial-ombudsman.org.uk

Read more at: welcome finance help needed - Page 17 - Legal Beagles Consumer Forum

Can you post it up so the agreement shows vertically as it current displays as horizontal making it difficult to read and gives me a stif neck lol

[poochie]

Re: Poochie and WFS Summary

here is a copy of post that scooby doo put on my welcome finance help needed pages..... page 18, post 445 on 20th May 2010 and to which i copied and sent to welcome and fos
Just a thought - if they are saying they can not do the calculation until you sign the documents why can they not do a "dummy " calculation to a certain date so at least you know what the figures look like - and then they could re-calculate at the date of signing. I am guessing it is a computer calculation so why can they not arrange a date for you to go into an office - get the papers ready for that date and then you sign? Or calculate to a forward date and then you sign at that date?

who would be the witness for your signature anyway if they sent you a blank form.?

It definitely does not sound right.

I think you have to put the ball back in their court.


Do you have an email address for any of your contacts to make things quicker?

what about saying.-----

I thank you for your recent correspondence but there are still various outstanding points.

I need a full explanation of how you have come to the sum of £549.32 that has been applied as a credit to my account. A full calculation would be appreciated as would a breakdown of the cheque that has been sent.

Also we still have the oustanding problem of the fact that I am unwilling to sign any new loan agreement that is blank. I am sure you can appreciate that this would be a very foolish act on my behalf especially as you have given me no idea of the calculation that you are going to base this new loan agreement on.

For the last time I am asking you why you are asking me to sign a blank document?
If you can not recalculate the loan until I sign - why do no a calculation forward dated for 7 days and then I can look at the figures and sign at that date - if I do not agree the figures then the new loan agreement will not come into force?

My patience is now running out and I would appreciate a reply in writing to the above questions within 7 days. I have copied this letter to the FOS in the hope that someone can make one last effort to resolve my concerns - or I have no choice but to consider taking this matter further.

I am sure that we both would like this matter resolved once and for all and I do feel that I am making a very reasonable request. Just put yourself in my positon would you sign any sort of agreement without figures or interst rates or terms defined?
__________________
"What makes the desert beautiful is that somewhere it hides a well." - Antione de Saint Exupery

"Always reach for the moon, if you miss you'll end up among the stars"


Read more at: welcome finance help needed - Page 18 - Legal Beagles Consumer Forum
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this is reply i got to above letter from welcome on 12th june 2010....


got letter from welcome and they say the agreement does not need to be signed on trade premises and that when they get the signed form back from us, a member of their application team will sign as witness to the agreement.

Are they mental or what?
We can get any tom, dick or harry to sign the forms and send them back and they will automatically assume we did sign it!!!!!
How bloody ridiculous does that sound?.... Am I really bein so unreasonable as to want to have proper documents in place with proper and correct figures?

I also cannot understand the financial ombudsman services attitude and lack of commitment in helpin people like us......especially wen we are all advised never to sign anythin that comes thru the post and without a witness.....

Any ideas on wat to do next?...... I am gettin so bone weary with all this nonsense

Read more at: welcome finance help needed - Page 19 - Legal Beagles Consumer Forum

[leclerc]

Re: Poochie and WFS Summary

APR is 20.5%. Is that the new agreement or the old agreement?
What APR is on the old agreement?

EDIT: ooops: it's 16.7%