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alecg2009

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About alecg2009

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  1. This is my first post so hopefully I have added into the right section We purchased a brand new car last June with lifetime warranty with Vauxhall. We have had the car for a year and we ran up 40,000 miles in that time but did not get it serviced at 20,000. Red warning light came on and car broke down about hr later. Been told a water pump leak has caused engine damage and looking at £8,500 repair as engine has been condemned by vauhall. As we had not serviced it they have refused warranty claim. We put our hands up and acknowledge this should have been done Question is...do we put this down to a very expensive experience or is there anything we can do? We have tried Vauxhall direct to see if they would meet some of the costs but they are saying no Any advice appreciated
  2. Hope I have posted in right section here! I'm about to get an enhanced disclosure carried out for a teaching post in Glasgow - I have no criminal convictions but have the following; a] 3 points on my license for a speeding offence 2 years back and b] A county court judgement in relation to a student loan which I am paying back. Is [a] a criminal conviction and would this show on my disclosure? Is likely to be shown on the form also? I'm a bit shy about this one and don't really want prospective employers to know of this! Any help would be appreicated. Al
  3. Request letters sent but in meantime I have managed to find my previous agreement before the re-write and wondered if anyone can make some sense of it for me? APOLOGIES FOR THE LONG POST and hope it makes sense! It was taken out in July 2007 and the re-write started in November 2008. I basically want to know if some of these figures are flawed in some way. If they are I wish to take this all way. PLEASE HELP! I will try and scan up my agreement for 2007 in due course but in meantime the info is as follows; Key finance info [48 months @£420.22 and APR of 7.7% ] a]Amount of credit for goods...........£12,794.00 [P-U] b]Amount of credit for insurance......£3,594.09 [Q] c]Amount of credit for insur/goods...£16,388.09 [A+B] d]Amount of credit for re-financing..£1,000.00 e]Total amount of credit................£17,388.09 [C+D] f]Total amount payable for goods...£14,841.12 [A+U+X] g]Total payable for insurances.......£4,169.28[Q+Y] h]Total amount for re-financing.....£1,160.16 [D+Z] i]Total amount payable................£20,170.56 [F+G+H] Other Finance info Insurances j]PPI...........................£2,744.09 k]Mech breakdown........£500.00 l]Emergency recov........NIL m]Shortfall extra ins......££350.00 n]Other insurance.........NIL o]Other insurance.........NIL p]Cash price goods.......£12,794.00 q]Total cash for ins......£3,594.09 [J to O inclusive] r]Total cash price........£16,388.09 [P+Q] s]Deposit...................NIL t]PX allowance...........NIL u]Total deposit..........NIL v]Acceptance fee......NIL w]Fin char for goods..£2,047.12 x]Char for cred for goods...........£2,047.12 [V+W] y]Char for cred for insurances....£575.19 [Y] z]Char for cred for re-financing..£160.16 [Z] Total charge for credit.............£2,782.47 [X+Y+Z] Rate of interest per annum.......4.00% I had 12 months left of a car agreement from 2004 of which I was paying £220 per month when I traded the car in for the above! I have never missed a payment of £420 from July 2007 through to October 2008. 15 months @ £420.22 before getting my re-write agreement in November of 2008. On my re-write I have the following; Total charge for credit [consisting of] £16,346.56 [o+p] - o being the acceptance fee of £75 and p being the interest charge of £16,271.56. Thank you for taking the time to read this, I really need some help here while I wait for the info to arrive from WF.
  4. Thanks for this I will get it all posted today! My only concern is that I have no real concrete evidence to say they left me with no choice to take ppi - their word against mine! In the meantime is it reasonable to request a 50% reduction in my monthly payments due to me being unemployed [the £227 month is stretching me and i'm relying on family to help me elsewhere] or should I continue with this while I seek info via SAR and CCA? Thanks
  5. Thanks for your response! Was going to send the SAR to the branch but will now send it to Nottingham instead! The re-write I mention above does not have ppi!
  6. Thanks for the link and will send the necessary letter to them! Bit lost on what you mean by still paying ppi?
  7. Hello all, I have only just joined the forum and slowly trying to find my way around. I did post this elsewhere but was advised to start my own thread so that it does not get lost! It's to do with Welcome! I have been with Welcome for many years and always paid them on time, never missing a payment. I am now into my 3rd car which I have had for almost 2 years now. Was paying £420 pm over 4 years with them but I lost my job last summer and am still unemployed. Each new agreement I was told I had to take PPI which I accepted. I left my job voluntarily. I contacted them and was offered a re-write in October last year which has reduced my monthly payment to £227 pm as a fixed-sum loan agreement. This is to be paid back over 72 months @ 12.96 APR. I am sure that each of my previous agreements have consisited of a £75 acceptance fee being added but not as a seperate one-off payment but don't have my old agreements to check. There is no PPI with this re-write! On my re-write I have the following; Total charge for credit [consisting of] £16,346.56 [o+p] - o being the acceptance fee of £75 and p being the interest charge of £16,271.56. I have only just started to read the post on Welcome that is now running onto 204 pages but I am lost with it all and wish I had picked up/joined much sooner!! But damage is done! I have done my best to keep up with payments - not missed one since stupidly signing the re-write agreement but I am really struggling to keep these payments going given I am only receiving JSA and wondered what my options are? I have only recently joined the forum so please go easy on me! Yeah, I know I am probably a fool etc etc but really need some advice on how best to proceed with this. Bankruptcy is not an option for me as it's a route I do not want to go down! Any help would be appreciated!
  8. Thank you for quick response and will see if I can find the right place to post!
  9. Hello all and I hope you don't mind me posting on this thread. It's my first post and it's to do with Welcome! If it's not the right place to post my apologies in advance and I will delete my thread. I have been with Welcome for many years and always paid them on time, never missing a payment. I am now into my 3rd car which I have had for 2 years, was paying £420 pm over 4 years with them but I lost my job last summer and am still unemployed. Each new agreement I was told I had to take PPI which I accepted. I left my job voluntarily. I contacted them and was offered a re-write in October last year which has reduced my monthly payment to £227 pm as a fixed-sum loan agreement. This is to be paid back over 72 months @ 12.96 APR. I am sure that each of my previous agreements have consisited of a £75 acceptance fee being added but not as a seperate one-off payment but don't have my old agreements to check. On my re-write I have the following; Total charge for credit [consisting of] £16,346.56 [o+p] - o being the acceptance fee of £75 and p being the interest charge of £16,271.56. I have only just started to read this post with interest but I am lost with it all and wish I had picked up/joined much sooner!! But damage is done! I am really struggling to keep these payments going given I am only receiving JSA and wondered what my options are? I have only recently joined the forum and as I said, it's my first post so please go easy on me! Yeah, I know I am probably a fool etc etc but really need some advice on how best to proceed with this. Any help would be appreciated!
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