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Hello,
I sent a letter to Welcome Finance asking for details of the Default they placed on my credit file etc, saying that I never received notice in the post giving them 14 days to reply and this is the reply i had.
Thank you for your recent correspondence.
Unfortunately we were unable to verify your identity based on the information provided.
As such, we will need you to supply a copy of one of the following:
* Passport (photo page or photo and visa page if non UK passport)
* Driving Licence (photo card and paper part, or old style paper part)
* Firearms Certificate
Please do not send original documentation as we will not be able to return this to you.
Please be aware that a statutory fee is required by us in order to carry out your request. The various fees are outlined below.
* £1.00 for a Credit Agreement and Statement of Account (per account).
* £10.00 for a full Data Subject Access Request. We will provide all information held by us under the Data Protection Act 1998.
Please send the appropriate amount to us by cheque or postal order using the address above. Cheques should be made payable to "Welcome Finance".
As matters stand, we have not been able to confirm your identity. We will therefore not be treating your letter to us as a complaint for the purposes of the FCA's rules. We will treat this matter as a complaint from the point that we receive the required identification document from you, following which we will commence our investigation and respond to you within eight weeks.
Alternatively, please contact us on 0845 618 7847 where we can go through our standard identification verification procedure with you over the phone.
Yours sincerely
How can they charge me money to get an answer? what should my next move be? I will call them and go via the ID verification on the telephone to sort that out first. But I don't think I should pay them any money.
Regards
Ian
I sent a letter to Welcome Finance asking for details of the Default they placed on my credit file etc, saying that I never received notice in the post giving them 14 days to reply and this is the reply i had.
Thank you for your recent correspondence.
Unfortunately we were unable to verify your identity based on the information provided.
As such, we will need you to supply a copy of one of the following:
* Passport (photo page or photo and visa page if non UK passport)
* Driving Licence (photo card and paper part, or old style paper part)
* Firearms Certificate
Please do not send original documentation as we will not be able to return this to you.
Please be aware that a statutory fee is required by us in order to carry out your request. The various fees are outlined below.
* £1.00 for a Credit Agreement and Statement of Account (per account).
* £10.00 for a full Data Subject Access Request. We will provide all information held by us under the Data Protection Act 1998.
Please send the appropriate amount to us by cheque or postal order using the address above. Cheques should be made payable to "Welcome Finance".
As matters stand, we have not been able to confirm your identity. We will therefore not be treating your letter to us as a complaint for the purposes of the FCA's rules. We will treat this matter as a complaint from the point that we receive the required identification document from you, following which we will commence our investigation and respond to you within eight weeks.
Alternatively, please contact us on 0845 618 7847 where we can go through our standard identification verification procedure with you over the phone.
Yours sincerely
How can they charge me money to get an answer? what should my next move be? I will call them and go via the ID verification on the telephone to sort that out first. But I don't think I should pay them any money.
Regards
Ian
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