Patricia Pearl - Small Claims Procedure - A Practical Guide


An excellent guide for the layperson in how to use the County Court - a must if you are intending to start a claim.

£19.99 + £1.50 (P&P)




Last Will and Testament Kit


Make a legally valid will without the fuss and expense of a solicitor - includes a full step-by-step guide.

£9.99 + £1.50 (P&P)

BAILIFFS - The Law and Your Rights

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.

£13.95 + £2.00 (P&P)


Reclaim the Right Ltd. - reg. 05783665 in the UK

reg. office:
923 Finchley Road
London
NW11 7PE



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  1. #1
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    Martynandemma Novitiate

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    Default PPI with welcome car finance ????

    I took out an agreement with welcome finance in 2004 for a car that I needed for work. after a year I had to resign or the company told me I would be sackedicon. I was unemployed for almost a year & could not keep up with the payments. In the end we decided to refinance the agreement so I could make affordable payments. When the original loan was paid off I do not think that the PPIicon was refunded plus something called short fall insurance which I have no idea about. I believe that the ppi was miss-sold as I would not of agreed to it had I known that I could not claim if I was unemployed. Also they did not explain the PPI properly & as I had been kept waiting for a car for almost 8 hours I just wanted to get out of there.

    I may concider going to watchdog about these guys as they seem to be nothing more than loan sharks I now owe £7000 for a car worth about £1500.

    I will be very interested in knowing if it is legal to put a finance charge that amounts to 2/3ds of the worth of the vehicle. Also finance charges of £1300 on insurances that I did not ask for

    any help will be great as I want to get unhooked from these sharks

    many thanks

    Martyn


  2. #2
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    loopylil Novitiate

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    Default Re: PPI with welcome car finance ????

    Hi,Martyn, I also got caught by Welcome Finance for a car i bought back in 1997/8. The car was approx £1300 and by the time it was paid it ran into thousands. Having said that my insurence writ the car off after accident, and they still wanted me to pay remainder.Insurence payout was £180 which went stright to them, i refused to pay anymore.
    Just out of interesticon how far back can you claim PPIicon does anyone know please.

    loopylil


  3. #3
    Site Team dx100uk Authoritative dx100uk Authoritative dx100uk Authoritative dx100uk Authoritative dx100uk Authoritative dx100uk Authoritative dx100uk Authoritative dx100uk Authoritative dx100uk Authoritative dx100uk Authoritative dx100uk Authoritative dx100uk's Avatar

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    a sort of fire-fighting role here. Hate HFC & their past compulsory PPI ethos
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    Default Re: PPI with welcome car finance ????

    as far as you want
    it is not covered by the 6yrs rule

    the limitations act 1980 32c states 'when you became aware' this is prob thru sites like this or the media, .

    there are plenty of threads here and on the welcome forum to follow on what to do and how to go about it.

    as for marty.
    you might be get more back than what you think, because i bet the PPIicon + int was rollled over into the new loan so you got charged int on int on the PPI, that was missold in the first place

    sadly a very good trick welcome [and others] have pulled on 10'000's of people.

    dx

    GETTING THREAT_O_TEXTS OR SPOOF BAILIFF CALL FROM M T COLLECT read here
    Credit Reference Agencies:Experian Equifax CallCredit <<<<CRA FILE INFO IS HERE<<<<

    1. Single Premium PPI Q&A Read Here
    2. Reclaim mis-sold PPI Read Here
    3. Reclaim Loan & Credit Card Charges Read Here
    4. The CAG Interest Tutorial Read Here
    5. Feel Bullied by Creditors or Debt Collectors? Read Here
    6. Staying Calm About Debt Read Here
    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
    DX
    Siteteam

  4. #4
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    rickd Novitiate

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    Default Re: PPI with welcome car finance ????

    I contacted Welcome Finance in July 2011 to see if I had a claim aginst them.

    They told me I did yet had to send in proof that I had changed address. I did this.
    Then they said it had been received but the address not ammeded, can I resend it?
    NO! If you can't do your job properly then that tough. Ammend the address simple.

    after weeks of speaking to them and Welcomes Complaints team who told me I did not have a claim with them but with the broker I got an applicaiotn form. A team manager called .... and his member of staff called ..... and .....s Operations Manager, assured me that I did have a claim with them.

    After sending in the forms to them they now say I don't have a claim with them cause I had to get the fosicon invovled with matters when I had the HP with them

    FOS were involved because I wrote to them as it said in the contract and told them I wanted to return the car to them (50% though the contract so I was able to with no penalties.) 6 months it took them to collect the car and they wanted me to pay for these 6 monthly installments to which they were told no

    FOS told them to collect it and they did
    Car's brakes were jammed by this time due to it not moving but this was tough and their fault.

    So now I am left furious for all the messing around they have caused me and expense in calls that I am no further forward.

    MOST CERTAINLY NOT "WELCOME FINANCE" BUT "UNwelcome FINANCE".


  5. #5
    Site Team dx100uk Authoritative dx100uk Authoritative dx100uk Authoritative dx100uk Authoritative dx100uk Authoritative dx100uk Authoritative dx100uk Authoritative dx100uk Authoritative dx100uk Authoritative dx100uk Authoritative dx100uk Authoritative dx100uk's Avatar

    Follow Real_CAG on Twitter

    Cagger since
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    I am in
    a sort of fire-fighting role here. Hate HFC & their past compulsory PPI ethos
    Posts
    25,090

    Default Re: PPI with welcome car finance ????

    Quote Originally Posted by rickd View Post
    I contacted Welcome Finance in July 2011 to see if I had a claim aginst them.

    They told me I did yet had to send in proof that I had changed address. I did this.
    Then they said it had been received but the address not ammeded, can I resend it?
    NO! If you can't do your job properly then that tough. Ammend the address simple.

    after weeks of speaking to them and Welcomes Complaints team who told me I did not have a claim with them but with the broker I got an applicaiotn form. A team manager called .... and his member of staff called ..... and .....s Operations Manager, assured me that I did have a claim with them.

    After sending in the forms to them they now say I don't have a claim with them cause I had to get the fosicon invovled with matters when I had the HP with them

    FOS were involved because I wrote to them as it said in the contract and told them I wanted to return the car to them (50% though the contract so I was able to with no penalties.) 6 months it took them to collect the car and they wanted me to pay for these 6 monthly installments to which they were told no

    FOS told them to collect it and they did
    Car's brakes were jammed by this time due to it not moving but this was tough and their fault.

    So now I am left furious for all the messing around they have caused me and expense in calls that I am no further forward.

    MOST CERTAINLY NOT "WELCOME FINANCE" BUT "UNwelcome FINANCE".
    all welcome claims should go through the fscs

    start your own thread and do some reading

    dx

    GETTING THREAT_O_TEXTS OR SPOOF BAILIFF CALL FROM M T COLLECT read here
    Credit Reference Agencies:Experian Equifax CallCredit <<<<CRA FILE INFO IS HERE<<<<

    1. Single Premium PPI Q&A Read Here
    2. Reclaim mis-sold PPI Read Here
    3. Reclaim Loan & Credit Card Charges Read Here
    4. The CAG Interest Tutorial Read Here
    5. Feel Bullied by Creditors or Debt Collectors? Read Here
    6. Staying Calm About Debt Read Here
    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
    DX
    Siteteam


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Reclaim the Right Ltd. - reg.05783665 in the UK reg. office:- 923 Finchley Road London NW11 7PE