Written by John Kruse, one of the leading experts on Bailiff Law, this consumer friendly guide is essential reading for anyone who comes into contact with a bailiff.
The book is easy to understand and clearly explains the rights
a bailiff has, and also what they cannot do when collecting debts and repossessing goods etc.
Can anyone give me some advice please??
I purchased a vehicle through a local car dealer in November 2007, who arranged the finance for me through welome finance.
In March 2008 I then took an unsecured personal loan with welcome finance also, this month my direct debit for the personal loan was returned unpaid, although my car payments are up to date.
I had a phone call from the local office this evening asking when I would be making this months payment for the personal loan, which I said I would be doing next week. I was then told that because I had a missed payment on my unsecured personal loan, this was linked to my car finance and if I didnt pay the missing installment then they would have to collect the car!!
Surely this cant be right, two seperate agreements taken out at different times and yet they are supposedly linked?? Would appreciate any advice, thanks.
Have you got both agreements? read the terms and conditions of the loan agreement and see if they've sneaked in a term that links them together. I suspect there isn't such a term and they're trying to scare you into making the payment. They talk utter bullsh1t at times!!
Help us to keep on helping
Please consider making a donation, however small, if you have benefited from advice on the forums
This site is run solely on donations
My advice is based on my opinion and experience only. It is not to be taken as legal advice - if you are unsure you should seek professional help.
How long have you had the finance for the car and what percentage have you paid?
Trading Standards wants your help
Dubious website businesses Conterfeit alcohol and cigarettes Illegal sales of alcohol, tobacco, knives & fireworks to children Cowboy builders or tradesmen Car clockers Counterfeiters Aggressive selling
Never phone or accept phonecalls from debt collection companies.
If you don't believe you can win, there is no point in getting out of bed.
_________________________ ________________ _________________________ ___________________
7. Thinking of a Full & Final Settlement?Read Here
my views are my own...seek legal advice if ness
NEVER EVER - act on a private message asking you to visit another website, make contact 'off list' or by telephone
- alert the siteteam IMMEDIATELY by hitting the black warning triangle on any message - Particularly if this results in a request to pay a fee to help you.
rather than hittting to be my friend - hit the star
welcome finance....HELP!!!
for the personal loan was returned unpaid, although my car payments are up to date.
Reply With Quote
Re: welcome finance....HELP!!!
