welcome finance any help gladly recieved

philfoster

i have on 3 seperate occassions now asked for SAR's for 3 of my close friends, i have enclosed 3 postal orders for £10 each and used template from this site for SAR, they have sent only a copy of agreement and statement of account nothing else. this i feel unhelpful and wrong is there anything i can do as i cannot ring them anymore as i dont speak there language (obviously not english) as i am been on hold on average 30mins plus per phone call.

is there a minimum amount of information that they are required to give for the SAR request as they have taken the postal orders and not honoured my request. i have heard that they are either in administration or are going to be shortly is there anything i can do or someone i can complain to?

this company i have personal and painful experience of but have recently just managed to reclaim successfully my £6000 ppi which was mis-sold and have the money in the bank, i am trying to help my friends who are all in similar positions but are coming against stalling tactics and just unhelpful people.

please someone help how do i get them to honor the SAR request?


:mad::mad: :eek::eek:

Ms-Pacman

at the moment Welcome are just clawing back what they can. their Compliance team no longer seem to answer their phone and letters mostly seemed to be ignored.
It has been suggested on another consumer forum that as so many Welcome branches have closed that paperwork is starting to go missing. Welcome do electronicaally scan the agreement and initial paperwork but not much else.



this is the letter I sent to them, feel free to edit to suit although there are template letters about:

LETTER OF COMPLAINT

Dear Sir / Madam,

A Data Protection Act Subject Access Request (SAR) dated xxxxx was sent to you with regard to the above account together with £10 administrative fee. To date, the documents we have received in response to our request are as follows:

Balance of account, Terms & Conditions, An Agreement signed and dated by Mr x
Photocopies of ID provided by ourselves, A completed direct debit mandate
A loan agreement front sheet, A Vehicle Summary Details sheet, A Statement of Price.

However there appear to be documents missing and, by sending this letter, we are requesting that these documents be provided immediately in accordance with our original SAR .
The items we require include, but are not necessarily limited to, the following:
1) A true copy of the Hire Purchase Agreement for the car, signed and dated by both the borrowers (joint finance) and on behalf of the creditor
2) A true copy of the Credit Agreement for the Shortfall Extra/Guaranteed Asset Protection (GAP) Insurance, signed and dated by both the borrowers (joint finance) and on behalf of the creditor
3) The Schedule of Insurance and the Policy Document for the Shortfall Extra\GAP Insurance
4) Details of telephone conversations and logged notes.
5) All letters of correspondence (none were included with documents sent)
6) Documents listed on the WFS – Loan Agreement Front Sheet that have been ticked as being available but have not been provided as follows; proposal/application form, dealer warranty, payout check-list, comments sheet, quote, FSA document sheet and insurance documents.
7) Full copies or transcripts of any correspondence in postal, email or any other format which you have entered into with any individual, organization or third party which contains our personal or financial, or which pertains to us, including correspondence to the underwriter of any insurance policies and details of the relevant Insurance Premium Tax (IPT) payable on any single premium policies. Please ensure this includes how much tax was payable, who payment was made to and the date of this payment

By way of this letter of complaint, we also request the following:
1)A written explanation with regard to each and every adhoc and capitalisation fee, specifically the date it was levied, the amount of the charge, a detailed financial Breakdown of how the charge was calculated and what the charge covers.
9) An explanation of the Option Fee and the Acceptance Fee and details as to how they have been calculated
10) An explanation as to why the Vehicle Summary Details document incorrectly states that the car is xxx coloured and not xxx
11) An rexplanation as to why a Vehicle Registration Document (V5 Log Book) not been provided to date together with your assurance that it will now be provided within a reasonable period of time
12) A definition and explanation of the term “DIP” as shown on the WFS – Loan Agreement Front Sheet
13) Details of any commissions paid to any party in regards to our account
14) An explanation as to why a letter titled “ Request under Section 80 of the consumer credit act 1974” requesting details as to the car location and advising of 7 days to comply with the request was sent. We understand this is a legitimate request but we fail to understand why it was sent when payments were being made and there was no default
15) An explanation as to why the figures on the copy of the unsigned agreement do not appear balance.

We understand that you have eight weeks to reasonably respond to the above queries. However, the documents outstanding from the Data Protection Act Subject Access Request dated xx/xx/xx are now overdue.

In view of the difficulty in obtaining a response to queries raised in the past together with our serious concerns over the validity of the original agreement and the calculations used therein, we do not feel that it is appropriate to continue making payments until these matters have resolved to our mutual satisfaction or a decision has been made by the Financial Services Ombudsman.

Please send written confirmation upon receipt this letter of complaint.

Yours Sincerely

loolabelle

I don't suppose i can jump on your bandwagon here philfoster, Welcome sold my debt on to 1st Credit, the welcome default is still listed on my credit file aswell as the 1st credit default, the amount they were asking for i disputed as when i originally took the loan they added a bunch of insurances and forged my signature!!! naughty naughty!! when i took this up with them they said the chap who processed my loan had been sacked and they ammended the loan..... anyway i digress, so when 1st credit chased me up the amount seemed wrong and i sent them a letter i got off this site asking for a statement of account, etc.... recorded delivery...... they never got back to me!!! that was over a year and a half ago!!! and the defaults are still on my credit file, i believe its a long winded process to get them removed but can anyone help me get started and does anyone have the templates of letters to use, any help would be greatly recieved.

DarkConvict

To get defaults removed, you need to prove they were unlawfully placed. I.e. they never sent a default notice. So send a SAR letter to the original creditor as they need to place the default no the DCA. if they can't provide a default notice in the SAR request the odds are they never sent one. You then need to take it up with the OFT and ICO to get your credit file amended on the account the default was unfair and unlawfully placed. At this point the credit reference agencies should remove the default.

philfoster

i am still none the wiser with regards what info they have to send in reply to a SAR? i know how high they rate customer satisfaction and how they always adhere to guidelines set out and would never think off doing anything underhand in anyway shape or form (sarcasm is a wonderful thing lol) but no really is there any way in which this outfit of cowboys can be held responsible and be made to answer rather than just fobbing people off and not answering the bloody phone.???
:mad::mad::mad::mad:

rant over...thanks and please help if you can.

are there any templates requesting they fulfil their obligations under the DPA as they just do not seem to give a hoot aout their customers and their wishes.:(

mandz1

i have a welcome loan and the people that currently work there really wind me up. the were meant to ring me last tuesday to take a payment of me and they didnt ring me til the saturday expecting me to pay (they said they did ring but i had no missed calls on my mobile so dont think so). anyway she asked me if i could make the payment and i said no. if i pay late, they add a charge so why should i pay when they ring me late? i should charge them for ringing me late to take payment.

anyway welcome have no money left they have tried to get as much money back off customers as possible, they even allowed people to only pay 50% back. plus they made alot of people redundant to try and get money bk.(my sister used to work there).
anyway, just keep annoying them with phone calls and letters. its the best way. if they have took money off you and not delivered in return you need to keep on at them.