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vanderveckan

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  1. Thanks postggj, Im just about to call them. It also occured to me over the weekend that I sent off a CCA request (recorded delivery) in April but have had no response to it. Have you also heard that Cattles are closing down Welcom Car Finance? Thanks again and I will let you know shortly how I get on.
  2. Ok So I have sent off the CCA request form today, and also I received my final response. It states that they were not involved in the original sale of the policy, and that they merely provide finance which covers the insurance premium. They have now told me to contact Guaranteed Car Finance. Is this a fob off? Thanks
  3. hiya I had an inital response saying that on the 7th Feb to say that they had received my letter and also hold the receipt for the recorded delivery letter that I sent to them. It's just occurred to me that I also requested a copy of my CCA at that time as well and have had no response to that. If I put the account into an official dispute for these reasons, then am I required to continue to make payments whilst it is ongoing? I had read that if they are unable to provide me with a true copy of a signed agreement then they are unable to enforce the agreement. If thats the case I have worked out how much I owe them plus interest and will make a final offer for clearing the debt. But I'm not willing to continue to make payments whilst they threaten me or ignore me. I've also filled out the forms to make a complaint to the FoS and will be sending that next week. Thanks again for replying.
  4. Hi Yes its been well over 60 days, its into the 104th day now!
  5. hi postggj When originally I took the loan out I was a contractor and Welcome were aware of this. When I lost my job and tried to claim the PPI they said that I could not as I was a contractor. I then sent a letter to them requesting that they repay the PPI premiums and also to stop the PPI, and was expecting a response on the 30th March. Since then I have heard nothing and they keep chasing me me for payment, even though I have said that they have not responded to me. Ta
  6. Ok Got in touck with Karey, going to fill in the claim pack and see what happens. But I do need someone with knowledge to give me a definitive answer on if whilst I am awaiting a reply to my complaint I can hold the account in disoute and make no further payments. Karey has said that if I do so, even though Welcome have failed in their duties, I am in breach of contract and can be passed onto a DCA for non-payment. If I can withhold further payments until the matter is resolved, can someone please tell me how to do it as I'm going to have to do something by end of tomorrow. Thanks again everyone.
  7. Hiya princessT Thats the letter that I am after stating that I do not want them visiting me or calling me, and that I would like all correspondence in writing. Im just searching through the forums trying to find a letter to that effect now. Cheers
  8. Hi Princess T Thanks for the info. To update. A few minutes ago, the collections agent came round from Welcome to collect paypment on the second account that I have with them, although I tried to make a payment on this at the beginning of this week, I was told that as the two accounts were linked, I would need to make a payment on both, else both would go to the DCA. I've just had a letter stuck through the door stating that the second account is in arrears and I am being charged for letters being/sent people around - even though I tried to pay and they wouldnt accept it ;( Is there anyway to stop them calling or visiting me constantly until I have had my complaint resolved? I've also emailed Karey and will await a reponse. Thanks again
  9. Hi All, Ok so this morning I received a Notice of Sums in Arrears letter from Welcome. I have also received continous phone calls from the local branch office demanding payment, failure to do so resulting in the account being passed to a DCA. I have responsded that I am still awaiting a response to my complaint re: PPI which is not 6 & 1/2 weeks past the 8 week deadline (14 & 1/2 weeks in total). I would appreciate if someone could advise me as to what to do next. Also, has anyone had a chance to have a look at my CCA, I have worked it out and the total cost of credit show that interest has been charged on the Acceptance fee. I have broken it down and attached it as a speadsheet if anyone can help me out. I thought that as it was a fee, and not a 'goods' that an acceptance fee could not attract interest, rendering the agreement unenforcable? This in-depth knowledge is of course all gained thro Google WCF Breakdown.xls
  10. Hiya I have pasted the links to the 2 pages of the CCA in post earlier on today. I have just got home and have received a hand delivered letter stating that the account is now in arrears and the Welcome are taking legal action against me. I have spoken to the collections manager today and they have said that they are starting to charge me interest on the outstanding amount and also charges for phone calls/home visits and that if I do not make a payment by the end of this week, that both accounts shall be passed to a DCA. I have told them that I am waiting on a response to my initial complaint regarding the PPI and they have said that whilst the complaint is being investigated (albeit that they have refused to do anything about it) that I am still required to make payments. Any thoughts? Cheers
  11. Hiya postggj Thanks for replying so quick, I was hoping you would. I am ok to make the next payment but then after that but have already sent them a letter (recorded delivery to Nottingham) stating that I believe that the account is in dispute and shall not be making any further payments until the matter is resolved. I did not make the last payment as I was getting no response from them. I've also posted up my CCA to see if anyone can tell me if this falls in/out of an unenforceable agreement, and you seem to be the best person for it considering you have already gone through this. Thanks again
  12. Hi all, sorry for not replying for a while, this is where I stand at the moment with Welcome. I took out a loan against a car with Welcome in Aug 07 and even though I told them that I was a contractor, had my own PPI insurance through my business, I was told I would have to take out theirs, specifically as I was a contractor. In Jan 09 my contract expired and I approache Welcome to activate the PPI cover, but was told that as I was a contractor I was not covered. After speaking to a member of their compliance team in Nottingham, the person that I spoke to thought I had been missold the PPI and told me to write a letter in requesting that the PPI be taken off the account and also any monies that I had paid be returned to me and not taken off the end of the account. I continued to pay the monthly installment during this time. The 8 weeks that they had to resond expired on the 30th March 09, so I sent another letter 2 weeks later stating that until the matter was resolved or I received a response I would not be making any more payments as the account was in dispute and that they were not permitted to harass me until my complaint had been resolved. They responsded by sending someone round to make a collection. I asked them to leave. Since then I have spoken to the Manager of the local branch and he has told me that if I do not make payment, even though the account is in dispute, that they will be handing the account over to a debt collection agency. I also took out an unsecured loan with them in Jan 09 and even though I have not missed a payment on this account, I am being told that both accounts are linked and that they will both he handed over to a DCA. Can anyone advise me please, as I have managed to hold them off until Monday when I shall be going in to see them. I'm going to be posting up a copy of my Agreement also, if anyone can have a look and let me know what they think. Thanks all WCS Page 1.doc WCS Page 2.doc
  13. Hi Sol Thanks for the reply. I have had no response from WF in regards to anything that I have sent them. In regards to the PPI, I'm sending them a letter tomorrow to say that I think that the account should be on hold as I have not had a response in 10 weeks. As far as the interest on the Acceptance Fee, I don't know what I should do as the fee is shown as a figure and at the bottom of the agreement it states that interest can be charged upon it. Any thoughts? Cheers
  14. Hey All Thanks for the replies that I have had. I have a couple of points which I could do with having definite answers too, before I give Welcome a rollocking. 1. What is the difference between an agreement taken out before and after April 2007 regarding an 'Unenforceable Agreement'? 2. My agreement is from August 2007, and although the Acceptance Fee is stated as an individual figure, it has been gathered interest. On the bottom of the agreement it does state that interest is chargeable on the Acceptance Fee. My question is, is this legal, or do I have grounds for an Unenforceable Agreement? 3. If I am successful in winning the Unenforceable Agreement do Welcome have to return everything that I have paid them, or what is the amount that I can claim back? 4. I requested 10 weeks ago that my PPI be cancelled as when I tried to claim against it, I was told that I could not as I did not qualify, even though I was in the same employment as when I took the car credit. I received a letter stating that they had received my complaint but nothing since. Should I send another letter stating that the account is in dispute and refuse to pay anything until settled? Also I have requested that they send me the PPI payments back to me in form of a cheque as initally the lady that I spoke to said that they would knock it off the end of the loan. Can I dictate how I want the money returned? I'm going to be contact them on the 10th to discuss the points above so any help would be very greatly appreciated. Thanks again for everyone's help and good luck to those still fighting
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