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cath212

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About cath212

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  1. A few garages have already told me they will pay off all o/s finance (even if it's more than the vehicle's value), I would then have to give them the balance. Also, I didn't think I could do this any more as the finance company have a decree which states they can repossess the car?
  2. Thank you for your advice. I want them to take the car back, I just want them to deduct the value of it from the total amount. I'm happy to pay what I owe. I'll speak to Govan Law to see where I stand. Thanks again.
  3. I've just received a warrant for a vehicle I stopped paying over a year ago. Long story short, I couldn't afford the payments, asked them to collect the car about 1 year ago, they've now apparently issued proceedings and got a decree. The decree states that they want the car plus £3600 approx. I thought the vehicle value had to be taken off the amount of the total owed? Am I wrong. Also, the propert I live in is in joint names (myself and my partner, not married). Are they allowed to take whatever they want if I don't pay up? Any help would be appreciated. I apparently hav
  4. I have been VERY silly and manage to get myself into trouble with a car finance agreement. I could not afford the repayments so wrote to them last year (August) asking them to come and take the car back under the terms and conditions of the agreement. Unfortunately, I couldn't find my paperwork at the time but just assumed the type of agreement I had allowed me to do this (all previous agreements I have had with GE Money have been the same). To cut a long story short, I did exactly what I shouldn't have done and ignored all their letters (in fact, I didn't even open them). I'd had a ba
  5. Sorry, I don't have a scanner. However, my documents look exactly like the first two on the attached post from the thread below (except the loan amount is different): Re: Welcome Finance Quote: Originally Posted by prudent Finally got a reply from welcome after 5 letters and so many emails.... Am I been silly or are they digging their own grave further on the reply as it very much contradicts the statement of price. Any opinions would be great... http://i719.photobucket.com/albums/w...entofprice.jpg http://i719.photobucket.com/albums/w...1/contract.jpg http://i719.photobu
  6. Thanks, I have posted elsewhere... http://www.consumeractiongroup.co.uk/forum/general-consumer-issues/191442-welcome-finance.html
  7. Hi, I'm new here but have been reading this thread over the past few days. I took out a loan with Welcome (stupid, I know). Recently, my partner was made redundant and I have missed 1 payment (due 15th March). As I have been working, I've not had the chance to call them back about it but they're threatening to visit my home, etc. Having checked my loan documents today, I note that they charged me an acceptance fee of £75 but are charging me £3.02 over 48 months (totals £144.96 - almost double the original fee). Interest rate on the loan is just over 44% as well. Am I able to get
  8. Hi, I'm new here but have been reading this thread over the past few days. I took out a loan with Welcome (stupid, I know). Recently, my partner was made redundant and I have missed 1 payment (due 15th March). As I have been working, I've not had the chance to call them back about it but they're threatening to visit my home, etc. Having checked my loan documents today, I note that they charged me an acceptance fee of £75 but are charging me £3.02 over 48 months (totals £144.96 - almost double the original fee). Interest rate on the loan is just over 44% as well. Am I able to
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