Checked today and my letter asking for the agreement was delivered on the 1/4/08 from the batley office to welcome. So hopfully we will hear something soon. Will keep you all posted. Mummy_of_Five

Hi everyone Sent my letter today asking them for a copy of our signed agreement. The woman rang again telling my hubby about signing he new agreement but he told her he wouldn't be signing anything and that we would just have to try and make the full payment. She then told him that he would have to pay this months money as it was due on the 28th and he said that there was no way we could make that money up today she wanted payment over the phone) she then told him that they would just come and take the car for none payment. He told her that no one can touch the car without going to court first as we have paid over £7,000, she then said oh right then it will get transfered to a different depatment then and closed the call. Don't think we should her from her again now. Mummy_of_Five

Hiya Thanks for your post. We have tried writing to them and they ignored our letters. We even asked the council to take the debt back so we could pay the council direct but they said no because it was from 2001 (we didn't know we owed the money til last year). If you could give me some suggestions on what to write to them so they dont ignore the letters that would be great coz we cant really afford to pay them the full anount but dont want them to add on any more. They have taken the bil from £161 to £202 already, and tried to add on another £158 for coming last time with a van to remove goods but my hubby refused to let them in and told him we have already offered them a payment before xmas that had been ignored. Than is when we got the letter telling us to pay the full amount on the 4th. Any help would be great Thanks Kind Regards Mummy_of_Five

Hi They want the full amonut paid by the 4th of April. So i have no other choice but to pay it. Even though we are on benefits (hubby gets Incapacity) and the only other money we have is chhild tax credit and child benefit. Still dont know if they should be asking my hubby for the money when the council tax debt was in my name only, but never mind Thanks for asking how things are going Kind Regards Mummy_of_Five

Thaks for your help on this. Right first thing tomorrow I will write a letter asking for our agreement, but we haven't even got a new agreement so I dont know how we were supposed to have it signed by tomorrow! Any Advice what to put in the letter or should I make it as simple as just saying can we have a copy of our agreement? What happens if they haven't got it? Then what do we do? Thanks again for all your help Mummy_of_Five

Hiya According to the Credit Agrement, the amount payable is £13,662.72. When checking my credit file on the Credit Expert site the thing from Welcome says we owe £6,478 updated on 17/02/05. This means we have paid £7,184 in 35 months. We have 13 months left to pay, the monthly payments of £284.67 = £3,700.32 plus they say we have missed nearly £1,500 (we don't think it is that much but we have had payments in cash go missing from the branch) that makes £5,200.32. That leaves £1,278 extra that we still owe for some reason. We were also paying £300 per month to catch up on the money we owe. Any help you can give is very appreciated and greatfully received. Kind regards Mummy_of_Five

Yeah sure. They want us to sign a new contract because we have had some financial difficulties since my husband had had his operation in 2005 but we have struggled to pay the monthly payments to Welcome as well as other bills and lately because of xmas we have had real difficulties paying anything and we missed some payments and then asked them if we could pay £150 per month for 3 - 6 months while we try to sort out our money situation. They have said that the only way we can reduce the payments is if we sign a new contract for £141 for another 60 months, or we have to make the full payments each month and make up the payments we have missed or have the car taken away. My hubby said to the woman on the phone we have been looking in to the PPI situation (we think we were mis-sold) online and her attitude just changed she went from being all nice and calling him Mike to snotty and calling him Mr ????. This is when she said if we didn't sign the new contract by monday (31st), make up the money that we have missed and start paying full payments or they would just come and take the car away and she strongly reccomended we sign the contract. Hope this helps. Thanks Mummy_of_Five

Hi Hope this works as i'm not very good with things like this. Flickr: Photos from mum_of_5 . Just click on the picutre you want to look at then the little magnifier with all sizes wrote by it. I have put on pictures of the agreement we was sent when we first opened the account with Welcome. Copies of the Demands and Needs Statement - shows what we have and have not got on the agreement - shows we have payment protection, shortfall extra and mechanical breakdown cover. The statement of price with all the 3 things on it and the monthly price and APR - this is dated 06/04/05. These were all sent in one welcome pack with leaflets for PPI and Shortfall Extra. The covering letter is dated 08/04/05, The day we signed the agreement. I have also put on the welcome letter from Welcome. this shows we have Payment Protection, Mechanical Breakdown cover but not shortfall extra insurance - this is dated 11/04/05. There is no shortfall extra insurance on the agreement but there is an Hire-Purchase Option Fee of £50, that has to be paid extra on the last payment if you choose to buy the goods (T & C 4. b and c). I cant beleive they expect you to pay an extra £50 to buy the goods after all the time and money you have paid on it lol. Any help by anyone that knows about things like this would be great. What should we say when they ring about the new agreement? any ideas? Should we tell them we are having the agreement looked at or not? Thanks for all your help Mummy_of_Five

Hi Was wondering if anyone can help me with regards to Welcome Car Finance? In the begining of April 2005 my husband and I got a car from a small garage and the finance was supplied by a "friend" of the owner at Welcome. Everything ok until around August 2005 when I had to leave work (husband was poorly and he didn't work, he looked after our kids, he had a major brain op and I had to leave to look after him). Tried to use the PPI we were sold (now we know it was mis-sold) and was told we couldn't use the PPI and we shouldn't of even got the finance for the car as I was a long term temp so wasn't in "full time work" as I could be finished anytime. Asked for it to be removed because it was useless. We struggled to pay the monthly payments. Missed a few payments and started to pay by cash at our local office. Half of these cash payments had never been put on the account. Now we have had a lot of changes and financialy we are having severe difficulties. We have asked to pay £150 per month (payment should be £284 pm). Had some contact with the local office, who where nice about the payments but said it had been refered to the collections deptment. Today had a telephone call from them institing that we should sign a new argeement, by monday (31st) at the latest, saying we could pay £141 per month for another 60 months. This take the amount we still owe to over £8,000 we still owe just over £6,000 because of the missed payments and the ones that didn't make it on ot the account. but have already paid over £7,000 and the car is now only worth around £3-4,000. Should we agree to the new agreement or should we try sending an S.A.R to them to find out the charges and try to claim these back first? We have copies of the "Legal Agreement" sent to us from Welcome when we first joined (i think its a credit agreement but i'm not sure) Any help would be greatly received and appreciated. Thanks in advance. Kind Regards Mummy_of_Five

Hiya Going to send this letter to Credit Solutuins and a copy to Simply Be and JD Williams, for reference, all posted recored so they will all need to be signed for. Its costing me a small fortune in popstage lol. Thanks for your help again Mummy_of_Five

Hi everyone We are currently being persued for a council tax debt from a previous address that we didn't know we owed. We owe one and a half yeas council tax and the bailiffs are persuing for the half a year. My question is: - our previous address was in my name only, all letters from the council are addressed to me only.. All the bailiffs letters are addressed to both me and my husband. Can they ask both of us to pay the money that is owed when the debt SHOULD be in my name only? Any help would be great Kind regards Mummy_of_Five

Hiya all Wrote the letter to Credit Solutions and I got my reply today. Heres what it says:- Further to my letter to you on the 14th February 2008 I wish to confirm that Credit Solutions Ltd has not purchased your account and we are acting on behalf of our client JD Williams. In addition to this, I would draw to your attention that your legal request was responded to within 2 days of your letter being received at this office. Upon recipet of your letter dated the 12th February 2008 I can confirm that Credit Solutions Ltd consulted with our client to ascertain the content of your agreement with them. Should you have specific questions regarding the validity of your debt with JD Williams that are unanswered by the terms and conditions as supplied to you, then please send these directly to our client for response. Your letter dated the 26th february 2008 refers to interest being applied to your account. I can confirm that the referred ammount for collection was £412.07 and no interest or referal fees have been added to this account by Credit Solutions Ltd. As stated in my letter on the 14th February 2008, the £1.00 payment for information was put towards your balance, however if you are contesting this action, please advise me by return and i will arrange for the payment to be refunded to you. As mentioned above, we act on our client's instructions and they have advised us that this account in enforceable and therefore we have been authorized to continue with our co0llections activity. In order to progress your account you must contact us within 7 days of receipt of this letter to discuss your proposals for clearing the balance on this account. Thank you Yours sincerely Ludmila O'Brian SENIOR QUALITY OFFICER I only sent my letter to Credit Solutions, I think I should now send a CCA request to JD Williams and a letter to Ms O'Brian to say that I am contacting them direct with regards to the account. Is this right? Any help would be great. Thanks in advance. Mummy_of_Five

Hi Send the letter to Aktiv. Got my reply today. We refer to your recent communication and CCA request with regard to this account and are now able to advise as follows. We write to advise that we have tried to obtain the copies of the original documents on your behalf but unfortunately we have been informed by the selling bank that these cannot be retrieved from the archives. (coz they haven't got any copies of an agreement signed by me). The Credit Services Association, of which this company is a member, advises in its guidelines that the sale process can be complex. However, it states that members of the Association are to deal with requests under section 77 (1) as though they were the originating creditor, in so far as they are able to do so. The CSA states that it is up to each member on an individual basis to decide how far to comply with the Act. It is the decision of this group to seek to adhere to the provisions of the Comsumer Credit Act as much as possible, but we have not inherited the liabilities of the original creditor, for instance having to provide a copy of the original agreement. We did not provide you with the original credit facility. We purchased your outstanding debt balance and the right to collect the balance. We did not purchase the documents; consequently there is not an obligation to provide you with any copies. When accounts are legally assigned, we do not purchase the libilities of the original creditor. We trust the above claifies the matter to your satisfaction and await your repayment proposals. Yours Faithfully Aktiv Kapital I dont really have any clue on what this letter actually tells me about it, other than we dont have to send you the agreement and pay us the money a.s.a.p. Any advice will be greatfully received. Kind Regards Mummy_of_Five

Hi Thanks to you all for replying to me. Should I send this letter to Credit Solution? Or should I contact Reliable Collections or Simply Be regarding the CCA? Kind Regards Mummy_of_Five

Hi Thamks for replying to me. Should I send this letter to Aktiv Kapital? Or should I contact Reliable Collections or Naturally Close regarding the CCA? Kind Regards Mummy_of_Five

Hi I was wondering if anyone can help me? I left a message about Reliable Collections and Aktiv Kapital (UK) Ltd and was advised to send a CCA to get the original credit agreement because I dispute the amount that was added to the account. This is the letter I have received from them: - Aktiv Kapital (UK) Ltd Debt Recovery 15-February-2008 Reference: Fashion World T/A Naturally Close Balance: £341.03 Dear Mrs Mummy_of_Five, We acknowledge receipt of your request for information under the Consumer Credit Act 1974, however, we are not the original creditor nor did we provide you with the original credit facility. We purchased your outstanding debt balance and right to collect that balance, together with the right to apply interest in accordance with your original Credit Agreement (where appropriate). We did not purchase your actual Agreement, consequently we have no obligation to provide you with a copy of that Agreement. However, as a matter of good practice, we will seek to obtain a copy of the original Agreement from the original creditor and if it is available we will forward a copy to you as soon as possible. In the meantime there is no reason why our debt collection activities against you should be suspended, therefore, unless we hear from you by telephone on 01244 500656 or in writing to the address shown above within seven working days from the date of this letter, the matter will be passed back to our collections division for further action. Please note that if the original creditor is unable to provide a copy of the Agreement that does not mean that we have no right to continue to request payment of the outstanding balance. We are the legal owners of your account and your liability is now to us in respect of repaying the outstanding balance that was purchased by this Group of Companies It is therefore in your best interest to agree an instalment arrangement with us, or discuss terms for settlement (we may give you a substantial discount on the original balance for early payment), within the next 10 days. Yours Sincerely OAKTIV KAPITAL (UK) LTD As ypu can see the balance of the account is now £341.03, when the opening balance of the account was £46.98. The rest is the charges and interest that they have added while I was trying to get some help paying them. I had to leave work due to my husband having a very serious illness diagnosed and him needing a very serious brain operation, so i had to care for him and our 3 children whilst i was half way through pregnancy with our 4th. They were not interested on why I was having difficulties and ignored all letters i sent until this year when they answered me gave me 10 days to pay the balance, (obviously I couldn't) then sent it on to Aktiv Kapital. Now I dont have any idea on what to do. Any help would be gratefully received. Kind Regards Mummy_of_Five

Hi I was wondering if anyone can help me? I left a message about Reliable Collections and Credit Solutions, Was advised to send a CCA to get the original credit agreement because I dispute the amount that was added to the account. This is the letter I have received from them: - 14th February 2008 Credit Solutions Limited ` Capella Court, Brighton Road Parley, Surrey CR8 2PG * Fax: 0870 3000 589 E mail: [email protected] www.creditsolutions.co.uk Dear Mrs Mummy_of_five, Re: JD Williams & Company: Thank you for your letter, received on the 12th February 2008 which has been forwarded to the Training & Quality department for response. I have looked into this account it would seem that this agreement is not regulated by the Consumer Credit Act 1974. Credit Solutions Ltd does not enter into any disputes between the customer and our client, however I would advise you to check your terms and conditions. The terms and conditions should provide all the responses to your queries regarding liability for this debt. All other questions of this nature should be forwarded to our client. We have been advised us that as the goods have been supplied by our client, you are liable for the balance outstanding. Furthermore, should this balance not be cleared, our client will register a Default against your name with the Credit Reference Agencies which could impair your ability to obtain credit in future. Your payment of £1.00 that accompanied your letter has accepted as a token payment towards the balance leaving your current balance at £411.07. Please contact our offices within 5 days of receiving this letter to discuss your proposals to clear the outstanding balance. Thank you. Yours sincerely, Ludmila O'Brien Senior Quality Officer As ypu can see the balance of the account is now £411.07, when the opening balance of the account was £52.29. The rest is the charges and interest that they have added while I was trying to get some help paying them. I had to leave work due to my husband having a very serious illness diagnosed and him needing a very serious brain operation, so i had to care for him and our 3 children whilst i was half way through pregnancy with our 4th. They were not interested on why I was having difficulties and ignored all letters i sent until this year when they answered me gave me 10 days to pay the balance, (obviously I couldn't) then sent it on to Credit solutions. Now I dont have any idea on what to do. Any help would be gratefully received. Kind Regards Mummy_of_Five

Hiya I'm new to this site and iI found this thread similar to what has happend to me. I had accounts with Naturally Close and Simply Be, unknown to me that they are the same company, I had problems paying the account because of personal circumstances and continually wrote to them to ask for help with reducing the payments from before July 2006! (this is when I started to keep the letters saved on the PC). All of my letters were ignored by both of them. Then I started to receive letters from Reliable Collections, who again I tried writing to with no response besides the letters telling me my account was overdue, someone was calling to my house on Wednesday between 6pm and 9pm (no-one ever came) and all the usual things they say. Then I started getting letters from Naturally Close and Simply Be again saying I was ignoring them and the debt would not dissapear and I needed to contact them. Again I contacted them with no replies. I even have told them that I dispute the amount that they are asking for because of the amount of admin charges they have added (£24 per month per account). I have now received a letter from a company called Aktiv Kapital (UK) Ltd for the Naturally Close account and a letter from a company called Credit Solutions fro the Simply Be account. The thing is with all the admin charges they have added to the accounts Naturally Close now want paying £341.03 when the original balance was for just under £50, and Simply Be want £412.07 when the original balance was just under £80. Does anyone have any advice for me on what to do next, how to go about contacting them, or which company to contact? All replies would be greatfully received. Sorry for going on so long about the problems I have had with these companies. Kind Regards Mummy_of_Five