Welcome - Incorrect Credit Agreement

[dogtired]

Re: Welcome - Incorrect Credit Agreement

When I got in touch with FSCS it was them who gave me diret groups number and Avivas.
Kind of knew it would be rejected.
The more I find out the deeper the hole they are in.
DT xx

[Shadowcat]

Re: Welcome - Incorrect Credit Agreement

Good news. We received our Title Deeds from original lender this morning as I think most of you will, it's down to the information being freely available now or something (haven't had time to digest the letter) but, more importantly for those victims of Welcome, unless it was entered with invisible ink, Welcome Finance are nowehere to be seen as charges.

[dogtired]

Re: Welcome - Incorrect Credit Agreement

The link I found is nicked from CAG (sorry)
http://www.consumeractiongroup.co.uk...iths-V-Welcome

It appears fairly recent although one of the links did not work for me and the other did not appear to be all there ( a bit like Welcome!!!)

I also found one going back a bit on LB

http://www.legalbeagles.info/forums/...ead.php?t=2241

Its a bit technical for me, cannot say that I understand it properly, but it only proves if it were needed that Welcome and the various names they also use are or were legalized loan sharks preying on the vulnerable and hoping you do not know your rights.
Its sites like this that have given us the power too say """hang on your not supposed to do this"

Thank you to all and will keep you posted!
:tinysmile_hmm_t2T x

[dogtired]

Re: Welcome - Incorrect Credit Agreement

Good news. We received our Title Deeds from original lender this morning as I think most of you will, it's down to the information being freely available now or something (haven't had time to digest the letter) but, more importantly for those victims of Welcome, unless it was entered with invisible ink, Welcome Finance are nowehere to be seen as charges.

Good news!
Will have to try and get ours
DT xx

[Shadowcat]

Re: Welcome - Incorrect Credit Agreement

Had a visit this morning from the men in black in the black car, shouting through the letterbox. Called the police as harrassment already reported in January. After explaining English Common Law to the PC on the phone because he said Welcome were within their rights to call at somebody's home and making it clear to him that I knew the rules, regs and laws he changed somewhat and said I obviously knew what I was talking about and that they would send someone.

During the phone call henchmen in black reluctantly left after a few threats (yawn) and PC said we were to phone 999 if they come again for fast response. The PC was nice and eventually very helpful but I did suggest that he look into Common English Law (in a nice way that meant I didn't get arrested).

I immediately typed a letter requesting SDAR information that we still await and a polite reminder of their duty to abide by law regarding home visits which I copied to OFT. Phoned Land Registry about Deeds and really need to get my backside into gear about contacting Fraud Squad about this lot and their missing directors, 850 million pound black hole, lack of credible paper trail for agreements, unsigned and unseen CCA's and verbal and physical threatening behaviour.

Will keep you updated on increasing threat levels, I'm sure they're in the post so to speak. I made it clear to the police that there are vulnerable people out there who this is happening to and to start taking it seriously, this is not people running away from debt but being pursued for never ending money to pay a wage to someone and I also told him that I feel sure they have washing machines on their premises. He listened and about time too. Have a word Bluebottle - your boys....what are we to do with them?

[dogtired]

Re: Welcome - Incorrect Credit Agreement

Hope you are ok xx
On the forth week of a "reply with payment within seven days" (again) from Incasso one of the tame (apparent) law firms they employ.
Checked all my paper work sgain and do have a copy of the land registry from our old address, it too does not mention Welcome/Progressive finance.
I have still not contacted the Land registry again as our "local" one moved!
DT xx

[Shadowcat]

Re: Welcome - Incorrect Credit Agreement

I am in contact with Land Registry legal department who tell me that they have application from Progressive to go on Title but that because of new regs they didn't have to put them on the Deeds, just on the Land Registry charges so not as good news as I thought.

However, I am still considering court action to remove them as no account is held with Progressive Loans. Hiccup there is that LR tell me the application says "Progressive Loans trading as Welcome Finance" although the charge on the LR charges list only says Progressive Loans so it would depend on the judge on the day as to whether he saw it our way. Further, as no revised CCA has been signed this is another reason why they should not be on the charges list in my humble opinion. Again, down to what happens on the day and need to think long and hard because if we lose that would be catastrophic for all concerned.

[Ruby]

Re: Welcome - Incorrect Credit Agreement

'Common English Law' - could anyone advise whether in Scotland this is relevant too as I am rather concerned I may get a visit from 'unwelcome/Welcome to the house. Does scare me as I live alone most of the time with my two kids

[Shadowcat]

Re: Welcome - Incorrect Credit Agreement

Applicable to you Ruby, you add to a telephone harrassment letter:

There is only an implied license under Scots Common Law for people to be able to visit me on my property without express permission; the postman and people asking for directions etc. Therefore take note that I revoke license under Common Law for you, or your representatives, to visit me at my property and if you attempt to send such a collector to my home, you will also be reported for harassment and I shall seek damages for a delict of trespass. You would also be liable for conspiring in a delict of trespass by acting in defiance of my instructions and sending someone to visit me nevertheless. Should it be necessary, I will obtain an interdict from the Court to prevent you carrying out your threat.

I think it's just the legal system and their wording. It's exactly the same law.
------------------------------- merged -------------------------------
I've just had a lightbulb moment though - nothing to stop me seeking a court order for them to stop harrassing, the PC even advised that.

[Ruby]

Re: Welcome - Incorrect Credit Agreement

I have been in dispute with Welcome since the beginning of February and dispite my last letter sent register mail last week stating that communication is only to be done in writing to avoid conflicing communciations (I don't need to go over the fact that what they say by phone is complete cobblers and has no consistency) I received a phone call from them this lunch time! Do they not know how to read!!!! I am just waiting for them to nastier. Maybe if I expect the worst in won't happen. They have not once responded in writing to my written complaints sent to their complaints department.

[Shadowcat]

Re: Welcome - Incorrect Credit Agreement

You are right not to even answer the phone as they tend to embellish any transcript of the call, saying things like 'client put the phone down on us' when it was them that terminated the call.

They have lied enormously in our transcripts so now we do not answer. The loan is in Mr's name (without my approval at the time) and they refuse to deal with me, even when we pointed out that they had to deal with a third party at the request of the customer. As I said to the PC, they are above the law he said oh no they're not and then helped me even more (naughty Shadowcat saying that for a reaction).

Write again with OFFICIAL COMPLAINT at the top and make it a telephone harrassment letter, adding the wording above. Keep all letters in a lever arch file in date order and if they attempt to visit please call your local police station immediately and get an incident number against this harrassment.

Are you writing to the head office out of interest or the local branches who seem to be working alone? We will only deal with head office but the local branches are sending the henchmen.

[Ruby]

Re: Welcome - Incorrect Credit Agreement

Sending them to Ruddington, Nottingham ...... I don't get the impression they have many local branches left in Scotland. I have said in my last letter that I give them 14 days to address my formal complaint then will get in contact with FOS

[Shadowcat]

Re: Welcome - Incorrect Credit Agreement

That's fine but you need to start the harrassment ball rolling for your own peace of mind as they will play dirty and have a knack of sticking two fingers up at the FOS and getting away with it. Also, copy OFT into your letters - you can send them as email.

[dogtired]

Re: Welcome - Incorrect Credit Agreement

Done some more "digging" and found this person who is at Incasso.
If you scroll down the list look who else he has been a "consultant" for!
Cattle's, Interim Justica and Cabot are there as well!

http://uk.linkedin.com/in/cchward

The words can and worms come to mind.

DT:tinysmile_hmm_t2:

[Shadowcat]

Re: Welcome - Incorrect Credit Agreement

It does seem to be the same pond life all swilling about in the dirtly little pool.