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When i purchased both my cars from Welcome Finance i received what i was told was a free car kit consisting of products supplied by guardex.
I have recently found a warranty from gardx supplied by welcome from when i purchased my last car.
I have looked through the paperwork that i received when i purchased the car and can find no mention of gardx but have had £300 charged for extras.
I contacted gardx on the number provided on the warranty and enquired about thier product. I was told it cost between £300-£400 and was protection of the paintwork of the car and if any damage caused by weather, industrial fallout they would remedy the problem subject to t&c.
I quoted the warranty number for my last purchase and it seems that they had no records of this transaction or the previous transaction for my old car.
It seems Welcome are supplying this product under false pretences and charging their customer for a warranty that is non-existant.
This has happened on both my cars from welcome, so this is not an isolated incident.
I can provide evidence that this is a practice that is encouraged by Welcome as i have a document breaking down commission paid to an agent on completion of a sale clearly stating "add gardx to cash price".
underhand way of conning Welcome customers out of more money
Has any body brought cars with this "free car kit"
Funny you should mention this on our original hp agreement (was rewritten) it says Gardx on it i think at £299...i shall have another look at this thanks for the heads up!
Hi, me as well, it is another part that I have complained to the fos regarding Welcome. When I officially complained to Welcome they didn't mentioned my queries with the gardx. So will see what the fos think about it.
how did you get on with the fos, i spoke to my local branch manager that clearly stated that gardx was not included in my agreement despite showing an extra for £299.
i have been in correspondence with gardx themselves and having provided proof of my warranty under their headed paper are now they are saying my warranty may have been lost in their update of a new data system.
my warranty having been active for two years without any contact from gardx officially acknowledgeing my purchase are now saying that as i have not purchased a conserver my warranty is invalid.
surley Gardx has to aknowledge rceipt of my purchase as it states clearly this document has to be registered within 30 days.
as this is a warranty of purchase is their a cooling off period that allows me to cancel this warranty if i am aware it has been misold
anybody had any dealings with this lot as any help would be most appreciated.
Iv had another look on my hp agreement and in tiny writing it says inc GX im assuming that is gardx...
I am a consumer just like you, please get a second opinion or investigate yourself on anything I advise as I am in no way legally trained. Everything I know has come from the Mighty CAG and fellow CAGGERS.
If I have helped in any way please click my reputation star and make a donation to CAG to enable us all to continue to help each other
i am told that the price for gardx is normally £299 -£400 and in the commission statement i provided you it clearly states include gardx within the cash price.
Although i think they slipped my gardx through extras in my pre-statement and this would only show up as a cashprice for goods within the credit agreement
if this has been done i received a single sheet of paper(blue) with gardx protection as its heading this is the warranty, no other correspondence has been recieved in my case.
oooh i got gardx, didn't realise i had been shafted that way as well, oh goody more ammunition for me......no wonder the 'saleswoman' (and i use that term lightly) gave me 2 kits, one for the car i bought from them and one that we came in.
i am told that the price for gardx is normally £299 -£400 and in the commission statement i provided you it clearly states include gardx within the cash price.
Although i think they slipped my gardx through extras in my pre-statement and this would only show up as a cashprice for goods within the credit agreement
if this has been done i received a single sheet of paper(blue) with gardx protection as its heading this is the warranty, no other correspondence has been recieved in my case.
hope this helps you
essexboy
Thanks essexboy I have had NOTHING with Gardx on at all ever so they can look for my query on that one too me thinks
I am a consumer just like you, please get a second opinion or investigate yourself on anything I advise as I am in no way legally trained. Everything I know has come from the Mighty CAG and fellow CAGGERS.
If I have helped in any way please click my reputation star and make a donation to CAG to enable us all to continue to help each other
gardx will not be shown on credit agreement, as i have stated before gard x is included within the cash price as the commission sheet i provided you states gardx is included in the cash price.
So If you have received the car care kit you can be sure you have paid for it in some way.
i have spoken to gardx and the lady i spoke to agreed no agreement existed and after further correspondence with gardx they are claiming that my policy may have been lost when they transfered to a different computer system.
i dont know how you can prove if you have purchased a product/warranty unless you have an actual warranty then again if you do have a warranty and you did not realise you purchased this product, gardx will not honour this warranty unless you have purchased the conserver on an yearly basis.
So it looks as if the few cloths and small bottles of products justify the £299 cost and as this included within the cash price welcome charge interest on this
another con by welcome
has anybody actually realised they have purchased this product at the point of sale.
Sorry I meant a piece of paper my original agreement does say inc GX at the cash part i meant i never received car kit or a piece of paper with any reference on or anything
I am a consumer just like you, please get a second opinion or investigate yourself on anything I advise as I am in no way legally trained. Everything I know has come from the Mighty CAG and fellow CAGGERS.
If I have helped in any way please click my reputation star and make a donation to CAG to enable us all to continue to help each other
try e-mailing susan@gardx.co.uk with your concerns, i do not hold out much hope as she is adamant that any agreement is between welcome and ourself despite the fact i have a warranty agreement.
at least i received the few cloths and small bottles of cleaner, surely if you have gardx within the cash price you have paid for something
Thanks essexboy I will certainly be trying to find out what it is thats been added in and add it to my list of complaints
I am a consumer just like you, please get a second opinion or investigate yourself on anything I advise as I am in no way legally trained. Everything I know has come from the Mighty CAG and fellow CAGGERS.
If I have helped in any way please click my reputation star and make a donation to CAG to enable us all to continue to help each other
Hi, I'm still waiting for the fos to pull their finger out and decide about my complaints (5 in total) including the GARDX, I did get a piece of paper when we took out the car, but we were not allowed to cancel the GARDX, this was already on the agreement.
you state that your agreement included gardx was this within the cash price or was it under a seperate heading such as insurances and was interest added.
if you unsure and think gardx is included within your agreement it is normally next to the mak and model in your agreement and will be under "inc gx"
This is further evidence Welcome include this product within the cash price as it is not a seperate charge as other insurance are.
It is clear welcome offer a "free car kit" as a ruse to sell a product on behalf of Gardx and any warranty is subject to an annual purchase to Gardx
i am a complete simpleton and my belief is that as it is a warranty/insurance and has been purchased through buying the product (albeit unaware the product has been sold to you).
Can gardx justify the cost of a few rags and some cleaners that we could all purchase through ou local stores
With any product provided by welcome a cooling of period is mandatory after receipt of confirmation of purchase of the product/insurance/warranty and normally after receiipt of any policy.
Welcome have failed to supply a true cost of this product and furthermore have increased the cost by including this within the cash price by adding interest, therefore increasing any commission paid to Welcome agents by the company supplying the product.
looks like you have been sold gardx and if your agreement is over a year old and have not bought the conserver any warranty is in Gardx opinion, none and void
gardx con by welcome
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Originally Posted by essexboy
