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In January last year i took out finance on a car with welcome finance. Everything was ok when I did the deal and I opted for PPI as I figured it was a good idea as I couldnt afford to lose the car.
My point is this:-
1. at the time I took out the ppi I didnt realise that interest would be charged on the premium nor that it was a single payment premium. I figured that it was just an extra amount added to my monthly payments.
2. At no time did the salesman tell me that I could take out PPI with an independant company and since I have found out I could have covered myself independantly and saved about £2,000 + interest.
How on earth do I prove that this is the case and where do I start should I decide to proceed with a claim?
I have also noted on the credit agreement that although at the time they were and still are offering £1,000 part exchange for your old car but the credit agreement only shows a part exchange allowance of £1.00.
After asking the salesman several times (as he kept sidestepping the question) how much the car was he finaly told me that the car was £9,800. On the credit agreement it shows the amount of credit for the goods as £9,800 so as far as I can see they only gave me £1.00 for my old car.
Do i have a case there?
Also they claimed at the time that there was no deposit to pay but I still ended up paying £100.00 deposit as well as my car.
I have just been looking through some of the forms i filled out. One of which is a Welcome finance Demands and needs Statement. This is the form they fill out when bumping up your premeums...erm i mean asessing you for their extras. The first sentance states that The Customer (me) has confirmed that they are aged over 18 years and under 65 etc ect. this is all fine and the document is signed by myself and the salesman on behalf of Welcome. It has been dated by both myself and the salesman . Now my maths are not great but im pretty sure that it has been dated the year I was born!! My statement of price is also dated the same. Also the description of part exchanged vehicle is incorrect, listing my old car as a ford Sierra, when in fact it was a ford Mondeo!
I have just been looking through some of the forms i filled out. One of which is a Welcome finance Demands and needs Statement. This is the form they fill out when bumping up your premeums...erm i mean asessing you for their extras. The first sentance states that The Customer (me) has confirmed that they are aged over 18 years and under 65 etc ect. this is all fine and the document is signed by myself and the salesman on behalf of Welcome. It has been dated by both myself and the salesman . Now my maths are not great but im pretty sure that it has been dated the year I was born!! My statement of price is also dated the same. Also the description of part exchanged vehicle is incorrect, listing my old car as a ford Sierra, when in fact it was a ford Mondeo!
Typical of Welcome
I would say you have a good case against them for all the discrepancies in your CCA.
I`m sure someone on here will be along shortly to advise you further but if you want to pm me I can give you the email address of someone who can look at the agreement for you
Have I been Misold PPI?
as I figured it was a good idea as I couldnt afford to lose the car.
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Originally Posted by Gens
