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Hey everyone
I'm new to this and really need some help! Please direct me to the correct place if needs be!
I took out a 'secured' loan with Welcome in April 2008. I put the word 'secured' in inverted
comas as i recently went to the land registry office to see of there are any charges on my property and the only charge is my mortgage provider!
Since taking out the loan, every payment has been made on time until January 2013 when my husband lost his job. After doing some jigging about with our finances, my husband looked at my credit agreement and statements etc from welcome and saw that they have charged me for things I said no to on the original credit agreement such as healthcare, etc. This loan is in my name only as I took it out before even meeting my husband.
I decided to send a SAR and received a letter saying they aacknowledged my request and would be in contact soon. Yesterday I received a letter saying they need me to verify my ID which I find strange as they have always communicated with me at the same address. I'm wary of sending a copy of my passport or driving license as I read on here that when SAR'ing Welcome, you shouldn't sign with your usual signature as they are fond of scanning it and using it without your consent. Not sure what to do and need some advice. My husband thinks the agreement is unenforceable and this is what we want to look into hence the SAR in the first place.
Please help me!!
Madison's Mummy
I'm new to this and really need some help! Please direct me to the correct place if needs be!
I took out a 'secured' loan with Welcome in April 2008. I put the word 'secured' in inverted
comas as i recently went to the land registry office to see of there are any charges on my property and the only charge is my mortgage provider!
Since taking out the loan, every payment has been made on time until January 2013 when my husband lost his job. After doing some jigging about with our finances, my husband looked at my credit agreement and statements etc from welcome and saw that they have charged me for things I said no to on the original credit agreement such as healthcare, etc. This loan is in my name only as I took it out before even meeting my husband.
I decided to send a SAR and received a letter saying they aacknowledged my request and would be in contact soon. Yesterday I received a letter saying they need me to verify my ID which I find strange as they have always communicated with me at the same address. I'm wary of sending a copy of my passport or driving license as I read on here that when SAR'ing Welcome, you shouldn't sign with your usual signature as they are fond of scanning it and using it without your consent. Not sure what to do and need some advice. My husband thinks the agreement is unenforceable and this is what we want to look into hence the SAR in the first place.
Please help me!!
Madison's Mummy
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