hiya guys just letting you all know, i still haven't heard from Welcome or Lewis regarding the letters i sent. not to sure on what to do, should i just leave it? Lyndsey

Thanks. New Letter printed and i'm off to the post office now. Will keep you all updated on when both Welcome and The Lewis Group have had them delivered and if i get any replies reom them. Lyndsey

Thanks. I'll get them done today and have them posted off this afternoon. I'll keep you updated on the progress and the problems I have with them. Hopefully you guys can help me along with the Welcome problems I'm going to encounter. Thanks again. Lyndsey

OMG I am very confused by the info in the letter lol I have not got much knowledge of this stuff lol. Thanks for the letter. I will have to try to dig out the dates of the letters for the CCA and the S.A.R and the postal reciepts but I dont think I still have them. I think I may have thrown them away when I realised that Welcome was only ignoring me. Should I just copy and paste the letter and post it off to Welcome and send a letter to The Lewis Group to tell them not to contact me, especially by getting someone just turning up on my doorstep? Thanks for your help guys. Lyndsey

thanks pwg6565 If anyone can help with a letter I can send I would be greatful. I really need to try to sort this out as we need to get a bigger car. Lyndsey

yeah I sent them a long time ago when we first found out what a horrible company Welcome are. The money we have paid seems to dissapear and nothing ever comes. We waited 2 years for a statement to come after we requested it, and as you can imagine there was a lot of things added to it in regards of capitalisation and other interests. We sent them a letter to say the account was in dispute as they had failed to comply with the requests and that we had other issues with the account and got no reply, other than from a guy that said that the account was no passed to The Lewis Group and they would have no dealings with the account now. Lyndsey

Hi Still had NO help from anyone on this Today a man from The Lewis Group has turned up. He wouldn't speak to my husband about the nature of the call (even though it is in joint names), and gave him a little card in a sealed envelope with the contact details on. Now what should I do? Welcome never replied to anything (CCA requests and S.A.R requests) and The Lewis Group seem the same. Any help is apprciated. Lyndsey

hi Post Just wondering if you can help me??? You said you could then i wasn't around, and you dont seem to be answering my messages anymore. I really do want your help if you have any advice. I want to get it sorted asap. Regards Lyndsey

hi post just wondering if your around and got my messages yesterday about why i wasn't around. Thanks Lyndsey

ok, thanks. i'll definatly be about around then, i'm looking forward to seeing what you have to say. Thanks, talk to you tomorrow. Lyndsey

oh right okay, thanks, it is appriciated. do you have a time for me to be on tomorrow morning? Lyndsey

hiya postggj i know you are busy but have you had a chance to look at my docs yet? i really could do with your advice on what to do with regards to welcome. Thanks Lyndsey

hiya no i haven't got any of the postage things for the proof of posting for the cca or sar. erm i think the dca is lewis. thanks Lyndsey

hiya. i probably wont be about much tomorrow, but will be about the next night, just name a time after 10ish and i'll be here to talk. We haven't really done much. We CCA'd them (as above message) and have tried SARing them. No info was recieved by us and the postal order wasn't returned so i dont know what happend with it. I have tryed to complain to a guy called Pete Ball in central recoveries, after i recieved a letter from him about all our information on the credit reference agencies was correct (we didn't ask for it), but he told me that all the info was right and that basically he wasn't going to do anything bacause the account has been sent to the DCA, and that any problems with the PPI need to be sent to the complaints department. We haven't paid them anything in about 18 months and the only things we have recieved is the letter from mr Ball and a letter from a DCA. We haven't even recieved a default letter yet, but i'mm guessing they have defaulted it. any help or advice on what to do next would be really appricated Thanks Lyndsey

no one ever really carried on helping me out like some people get help. I am willing to try anything anyone suggests, but we really need to get it sorted a.s.a.p. We still haven't paid them anything since this last message i posted on here, but the account has seemingley been sent to a DCA - but its the same company, as far as i am aware. Any help is appricated. Thanks Lyndsey

Hi Guys Has anyone got any email addresses for Welcome? Especially a complaints email or a managing directors email. We've had many problems with welcome for years now and i have just about had enough. We want to get them sorted. We need to buy a different car (new baby on the way) and we want to sell ours but can't til welcome are sorted. Thanks in advance. Lyndsey

we too are paying interest on our welcome finance car hp.

Hi Guys, We have had numerous problems with Welcome Car Finance and have been told by people on here that our agreement is unforceable (welcome don't seem to think so). We were phoned on monday by an account manager about why we haven't been paying our account when we "agreed" to a payment plan in February, we didn't they took the money from my husbands bank card (visa electron) and left us overdrawn and unable to pay the insurance and tax for the car and refused to refund it back to my husbands account and basically told him to drive the car with out tax and insurance. She then discussed my husband issues and agreed to look into the account and send us the information. Today we received the info and according to her all of their calculations are right we owe them the full amount (still over 6 grand) and need to contact them a.s.a.p to make arrangements to pay. They have also offered us a 50% discount on the account if we "manage to accquire the money" and pay it in 21 days. My question is :- Why would they offer us 50% discount on the account? If they were sure we were wrong wouldn't they just default us, repo the car and then take us to court for the money owed? We have paid 1 or 2 payments in about 18 months as they are in default of the account from a previous lot of letters that they haven't responded to. Any help or advice about how to go with this will be greatly received. Mummy_of_five

Thanks andie_303. Will get them wrote and sent away tomorrow. Will post up the replies when and if i get any. Thanks for your help guys Mummy_of_five

Hi We have never spoke to anyone else apart from the local branch of Welcome regarding the PPI. They were the ones that said we couldn't use it. I didn't even know there was another lot of people to talk to with them. We did ask them to cancel it as we couldn't use it and we had to write a letter to them requesting this but I don't think it ever was cancelled. No hubby wasn't working at the time because we needed someone to mind our kids, he also was signed of sick because of nerve damage in his arm which made him unable to feel hot things and cold things hurt him. As far as I can see there is nothing on the ones that they have sent in reply to the CCA - it does refer to T&C's on the reverse of the agreement but obviously it is a print out without anything on the back (they didn't send the T&C's with the info). As far as I can see on the T&C's we have from the original thigs there is nothing that refers to - interest will be calculated on the total amount of credit outstanding and the acceptance fee......" Mummy_of_five

Hi In reply to your questions Yeah the finance is in joint names - mine aas the main applicant and my husbands coz he can drive and I cant (was told i had to be the main applicant as I was the one working) Yeah we still have the car - but it has had numerous problems that need fixing. Welcome told us we couldn't use the PPI as we didn't have any other contacts to try to use it. I was working through an employment agency but I had been working at the same place for 8 months and I wasn't forseeing leaving (apart from having matenity leave when I had the baby) but my husband needed to have a brain operation and the compan I was working for couldn't leave the position open for an unknown amount of time (I was the secretary). I was working 35 hrs a week. We were told that getting the PPI and the other stuff would "practically guarantee" us getting the finance. No not had a default notice or been defaulted as far as we know. No we didn't pay a deposit. I dont think we got any paperwork for the PPI. I have uploaded the things we have got as we have all the original paperwork, but just didn't want welcome to know that. Pictures by mummy_of_Five - Photobucket Thanks for your help Mummy_of_Five (Lyndsey)

Hi My husband and I, like lots of others on here are having LOTS of problems with Welcome Car Finance. Long Story fairly short April 2005 needed a bigger family car. Seen an Espace in a local garage. Went in and got the car on finance with Welcome through a "friend" of the garage owner. Thought everything was fine and dandy apart from the APR but needs must so we got the car. In May 2005 husband had a very serious brain operation and I had to leave work to look after him and our then 3 children (I was also pregnant with #4). Tried to use the PPI but was told we couldn't as we weren't eligible to use it as I was working for a temping agency, then was told we should of never got the finance because of this too. Needless to say we missed payment had charges added ect and couldn't afford the monthly payments. Had loads of problems and they then wanted us to sign another agreement for the balance left over another 60 months. Didn't sign because I had seen the type of tactics they use because of this site. Asked for the CCA then but never got it. Didn't pay for over a year as we couldn't afford the payments and no one contacted us about it. Now being rang everyday for payments - husband gave his card details to them as he was told could contact them to make the payment and if we couldn't pay they wouldn't take the money, ha ha ha they took the money. We contacted them to ask for the payment to be returned but they basically said there was no chance. Decieded to CCA them. We received a copy of the loan statement with all our payments and charges and a printed copy of the agreement. Pictures by mummy_of_Five - Photobucket Is this agreement enforceable as they have added the acceptance fee to the rest and I think it has then getting interest added on it? We paid them for 3 years and missed the fourth, as explained above, but we still owe them just over 6 grand. All help and advice would be gratefully received as I think they are trying to take us for a ride with the amount we still owe. Thanks Mummy_of_five (Lyndsey)

Hi guys I have just sent a CCA request of to Welcome as after a year of nothing they have decided to start harassing us for payments again. What documents should be in the reply we receive from them? Also a very dumb question - what is a "true original copy"? how will i know it if it is the true copy? Thanks Mummy of 5

Thanks. Will try and change it to suit what i need. Mummy_of_Five

Anyone , any advise on a letter to write. Would like to get this done as soon as possible coz they called out on the 5th and dont want to leave it too late before contacting them about their actions. Kind Regards Mummy_of_Five