How can I find out about the £400 for the Welcome brokers? Squaddie where did you find this?

I just posted some rubbish on here and then realised I had boo bood lol.

I will post the letter including appendices and await a response from Welcome. I will keep you guys updated. Thanks for your help, Onslow.

Thanks Brigadier.

Goo luck gilly5001.

Thanks guys, I appreciate your help.

Sorry guys, I just get frustrated, welcome keep texting and ringing, getting very annoying! Just worrying that they might escalate things. Brig Draft letter as requested below. LETTER OF COMPLAINT ACCOUNT NUMBER: To whom it may concern: I am making a FORMAL COMPLAINT due to the following issues identified with my Credit Agreement and DEALINGS with WELCOME FINANCIAL SERVICES LIMITED (“WFS Ltd“) and I wish for them to explained and then be rectified by WELCOME FINANCIAL SERVICES LIMITED, if the following issues are NOT explained and rectified then I will be making a formal complaint to the FINANCIAL OMBUDSMAN SERVICES (“FOS”). • £800.00 DEPOSIT has been taken out as CREDIT on my account and WFS Ltd have charged interest on it. They have not taken the deposit off the price of the car before they charge credit on it, SO I AM PAYING INTEREST ON A DEPOSIT, I want to claim the interest back for the full 48 month agreement for the £800.00 deposit. • GARDEX was included onto my account (£299.00) without my consent; I want to reclaim this back including any interest charged over the 48 month agreement. • MECHANICAL BREAKDOWN INSURANCE (£725.00) was added to my account without my knowledge, what is it? I have no POLICY for it. I want to reclaim this insurance, including interest charged for the full 48 month agreement as it has been MISS SOLD. • SHORTFALL EXTRA INSURANCE (£420.00) has been added to my account without my consent, what is it? I have no POLICY for it, I want to reclaim this insurance, including interest charged for the full 48 month agreement as it has been MISS SOLD. • You have debit £1 for “OPTION TO PURCHASE FEE”, I did not request this and I do not own the car anymore anyway, so why did you debit my account? • You have ALREADY DEBITED my account for the “OPTION TO PURCHASE FEE” at the beginning of the Credit Agreement, why have you taken this again? I want to reclaim this back including the interest you have charged for the full 48 month agreement. • The Credit Agreement states that in order to Voluntarily Terminate the agreement the debtor needs to do so in writing to the person the debtor makes payments to, at no point have I given WFS Ltd written consent to Voluntarily Terminate the agreement and take my car, my car was taken from me unlawfully by WFS Ltd. • The REPOSSESSION: YOUR RIGHTS section, defines the above action to be unlawful as the Creditor, WFS Ltd, is required to obtain a COURT ORDER so they can LAWFULLY to take my car, because this did not happen, and the car was taken without my consent I have the RIGHT to get back any money that I have paid under the Credit Agreement I have with WFS Ltd, including the cost of the car that was unlawfully repossessed. • When Country Wide took my car, they carried out a VEHICLE CONDITION REPORT which I signed, the copy of that report shows no defects to my car, but following the Subject Access Request a copy of the VEHICLE INSPECTION REPORT shows defects, this obviously occurred after the vehicle was taken from my premises, why is this? My copy and WFS Ltd contradict each other! • Why did WFS Ltd send me a letter stating that my account is in DEFAULT when apparently this is not the case according to my EQUIFAX CREDIT REPORT? • Due to my account not being in DEFAULT, why am I being charged DEFAULT SUMS? I want to reclaim ALL DEFAULT SUMS, including any interest incurred. • When I requested a Subject Access Request (“SAR”) from WFS Ltd, they have failed to provide me with a STATEMENT OF PRICE any other documentation relating to any Insurance included onto my account, WFS Ltd need to send me documents immediately in order to satisfy the SAR. WELCOME FINANCIAL SERVICES LIMITED has 8 weeks in which to respond to this COMPLAINT, if I am not satisfied with the response I receive from WFS Ltd, then I will be making a FORMAL COMPLAINT to the FINANCIAL OMBUDSMAN SERVICE with regard to WELCOME FINANCIAL SERVICES LIMITED. Please do not communicate with me via telephone; any communications you wish for me to receive shall be via written correspondence only. Yours faithfully, Thanks for this, I do appreciate it, sorry for getting grumpy, a lot on my plate at the mo. Onslow. Well I think that is excellent, I've added some spaces to make it easier to read. Just one suggestion send copies of any correspondence that is relevant and list it on the bottom of the complaint.

CAG I would like to thank you for your help with Welcome, but it seems you have deserted me, squaddie why would agree to help but then disappear? It seems that I am now doubting whether the help you provided me is right, why would you just ignore after potentially identifying major issues with my Credit Agreement with Welcome???? Is this just a joke for you to raise hopes and then disappear? Thanks!!

squaddie, I know you are busy etc. but have you managed to put together a letter for Welcome? I am waiting on you, if you are to busy then please let me know. I will deal with it myself, but you keep saying wait? Sorry for the moan but I want to sort this "Welcome" issue once and for all. Please let me know either way. onslow.

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Thanks squaddie, I will look forward to it. onslow.

Squaddie, I have drafted a letter of complaint for Welcome, can I send it or have you managed to sort a letter out? Please let me know ASAP. If you would like to review it, please let me know. Thanks Onslow.

Just notice that the Option to Purchase was included in to the CCA, so why has Welcome charged me again for this??? squaddie how are you getting on with the letter? Regards onslow.

Thanks dx.

Thanks squaddie, sorry for being insistent, but these people are very persistent, as you are probably aware.