hi guys iv'e just had phone contact with 1st credit who have told me that they have bought the debt off welcome finance n that's why they are persusing me for money,one advisor hung up on me when i told him to get me every signed agreement,statements etc for this car,,,n another said to me that they would put my account on hold until all details were recieved from welcome,now they claim i was paying welcome 291.00 per month for the car,work that out over two years of paying,yet she claims am owing 4 grand, which is interest...surely i must have paid the car off at 291.00 a month the original agreement dint even total to 6 grand...! wtf are welcome n 1st credit trying to do here..where's the interest come from...

thank you very much i shall print off those letters and send them off....x

if he rings back at 2.30 do i just tell him to deal with all this in writing?...i need to know what exactly to say to him....

update-just had a phone call from 1st credit.exactly 5 mins ago... and my mum answered the phone,i was listening in n the guy at 1st credit asked my mum if he could speak to me,my mum said no she is not here, call back at 2.30..n then he said,well tell her to ring me,my mum said no.. she does not want to ring you,you ring her n then he said why can't she call me?.. n mum said cos she does not want to....! so ring back at 2.30 like i said,..he went quiet n then hung up.mums calling him a cheeky..b*****d for how he spoke to her...lol...

well i know for a fact that the agreement i signed didn't total to 5,000...cos like i said i knew what i could n couldn't afford,roughly i'd say it was around the 3,000 maybe a little more.....! cos if it would have totalled 5 grand i would of cancelled it..

yes i know you have.....

hi all i have a thread going on about welcome finance n 1st credit...iv'e been reading the posts on here about welcome,n notice someone from welcome has even posted on here,how arrogant are all the welcome employees?.. iv'e had an ongoing problem with welcome n 1st credit who work on behalf of welcome, this company needs reporting....i am in dispute with 1st credit who claim i owe welcome 4 grand for a car i got years ago....! their a crap company...read my thread n you'll know the type of problems i'm having...! like harrassment calls,threats of baliliffs coming...bankrupcy etc..i just argue like hell with 1st credit n i never knew what to do until i joined here but now iv'e got a clear picture of what to do n if owt welcome employees and 1st credit employees.. will be getting no easter bonus this year,all they'll be getting is a packet of mini eggs to share...! round the office...

they do make me worry,cos they have come across as been very intimidating,especially when one guy said to me from 1st credit,that he believed welcome more than me,that i owe this debt,n so he was basically calling me a liar....! has anyone ever actually got one over on welcome?.. or has a debt ever been written off?.. any idea?...may i also add that i was making payments to welcome when i closed my bank account down,i was going into one of their main offices n paying cash to them...! but im one for not saving receipts...i'm angry at myself really for not saving all the stuff from years ago...!

lol andie.......i know last time my son answered the phone n i asked him who it was n what did they say n he said they said you have to ring them,my son's only 11..for god sake but they even gave him the number to pass on to me, if anyone is at my house n the phone rings i always say if it's 1st credit tell them im not here... Re: welcome finance-1st credit if they keep up the calls, we will send them a telephone harasment letter to shut them up, how do you know ist crud own this debt and are not just collecting on behalf of thats why you request a copy of the assignment notices stick one back to ist crud next time they give you any grief as they are saying that they are the creditor, it wont be welcome but ist crud you will be taking to court mention the consumer protection from unfair trading regs to them, they will crawl back under there stone then i am going to mention all this if they do ring again n tell them i want to do everything in writing as from now on...the amounts of times i have argued with 1st credit is unbeleivable....especially when they say to me how will you be paying this 4 grand?.. will it be by debit credit card..i'm like errrr how many people do you think have four grand in their banks n are gonna pay for a debt they are disputing they owe?...i argue like hell with them n i end up putting the phone down....! in the end...! i have copeid a letter off this site to send about the harrassment calls n i will get it all printed off...,n i am going to get the ball rolling by sending that first...n then ask for wvery documentation welcome hold from my agreement..etc cos this has gone on way too long now...! and i'm scared of all the court stuff etc....! whereas before i didnt know what to do but this site is helping me a great deal thanks guys...!

when i gave the car back to welcome the manager said to me why are you voluntary handing it in michelle cos you've paid most of it n it's rightfully yours but i dint want it anymore...n he kept saying are you sure you want to hand it back to us....! n this is why am confused if it was my car then why are they demanding money off me...?..did i make a mistake of handing the car back,after they said it was rightfully mine at the time... from all convo's i remember two week ago when 1 st credit rang me i said to them im not paying so please ring welcome i explained to him that welcome said the car was mine... n i should take welcome to court.not them demand money...through you... the guy at first credit said to me were not bothered if you take welcome to court as long as we get the 4 grand this gets me mad cos i hang up on 1st credit n then they ring back a few days later.. n tell me if im not paying then fair enough n then they just ring a few days later again n waffle on about how were gonna work out at me paying this money they'll say things like were trying to avoid this debt going to court blah blah.

evenng michelle welcome finance and 1st crud thats a first with out reading again, tell me when did you last make a payment on the vehicle-according to 1st credit they said i havent made a payment to welcome since 2005...i know i paid it for 2 years i must have stopped paying at the end of 2004..

1) Date of purchase.2001/2.. 2) Cost of car-i cant quite remember,but i know it didn;t total too much cos i went for a low car price i knew what i could afford n couldn't afford i really can't remember i'd have to ask welcome to find all my original agreements i am only roughly guessing but i do know i didn't have long to go,but like i say... i handed it back voluntary.... 3) Total cost of finance and period eg. 48 months-not sure of this...id have to get all documents off welcome...im just trying to go on what i remember im really confused as to dates payments etc but i know myself that i had paid alot off of it n was well shocked when 1st credit rang me only this year acting on behalf of welcome n claiming i owed for grand cos i asked why i owed it n they said all interest added on from when i stopped paying for it.. i really need this sorting n i will not rest until welcome or 1st credit can give me a proper and true settlement but i know its not four grand 4) Date of VT-2004.. 5) Total number of monthly payments made at £*** £210.00 p/m..

1sr credit reckon the 4.grand i owe is all the interest welcome have added on....it has also maddened me to know iv'e paid all that money for the car,and it's dead money cos even the originally agreement did not add up to 4.grand.....and i feel as though i am going to be having to pay back 4 grand,for something i haven't even got...

welcome finance sold the car at auction....i gave them everything belonging to the car,logbook etc....! i have nomore access to my old bank account and i always shreaded statements that i recieved from my bank...so is it my word against welcome,see what i don't get is welcome could not find me a statement of any payments i made to them yet 1st credit have a statemnt off welcome what they say i owe,,,!

Do you know if a 'VT' tag was placed on your credit record at the time? (vt = voluntary termination). What happened to the logbook did you sign it to welcome? Do you have or can you get bank statements proving the amount paid? If you paid over 50% Welcome were wrong to continue chasing for money or interest as legally you had absolutely no further liability towards them under the agreement and 1st Crudit have not got a leg to stand on in the matter. __________________ You have the right to food money. i wrote a letter to say i was handing back the car and i signed it in front of the manager in the welcome office,my brother was there as a witness when i handing in the letter it was then when welcome were telling me id no reason to voluntary hand my car in cos it was rightfully mine...but i just wanted them to have it back due to the hassle welcome had given me,...

thank you all for your replies...do i need to ask first credit for a copy of my agreement for when i bought my car?... or do i ask welcome finance for it?..may i also add to my message as ive had so much to say that 1st credit have told me... but i didn't want to bore anyone with a long post... they told me i should file for bankrupcy so the debt would be written off,but also said it would affect any future credit,for me..giving me options after options,asking me to find relatives n friends to help me pay this 4 grand debt...they harrass my mum asking her for her debit card number as it's her bank i use for my wages etc,i don't have my own bank account..., they gave me so many different threatning actions they would use if i refused to pay this debt one guy i spoke to was very arrogant,n told me he believed welcome finance about the debt i owe rather than believe me.i'm at my wits end with constant phone calls,from them

hi all i'm new here..so thought i'd start by saying hello....ok i need some advice about welcome finance...! i bought a car off them in 2001,n i paid nearly 2 n a half thousand off the car i only had about 6 months left to pay..anyway i voluntary gave the car back to welcome cos i couldnt afford to pay it any longer all my wages were going to welcome n i'd nothing to live on,n i also told them that the car had cost me alot of money in repairs n work doing on it as i'd had trouble with it from about 6 months into the agreement.the guy in the welcome office told me i'd no reason to hand it back as it was rightfully mine but i told him to take it.my brother went with me n asked them to find a record of all my payments as to breakdown the ouststanding figure,guess what welcome said they couldnt drag up payments paid from 2 yrs ago,they said they don't keep records of it..anyway i dint hear anything for ages,but now over the last few months of this year ive had 1st credit call me acting on behalf of welcome telling me i owe 4.000 pounds i asked how come it was all this when welcome had told me i'd nearly paid it off..they said it was interest added on,n could i pay all the 4.000 in full i told 1st credit they aint getting a penny cos i owe welcome nothing,but they ring all the time even asking my 11 yr old son to pass on messages to me,or my mum...n theyr'e threatning me with bailiffs or someone coming n demanding the whole amount in full to my doorstep..sorry if this is a long message..1st credit have told me to take welcome to court over the car payments issue.. but they still want this 4 grand off me 1st credit.. all the money i paid for the car is now dead money n i'm fed up of argueing on the phone with 1st credit.. what can i do,cos welcome have sent this company a statement claiming i owe 4 grand yet when my bro asked them to in the office as ive explained above they couldnt find my old payments yet they sent 1st credit a statement of what i owe...! they told me they would take money from my wages they have threatend me with allsorts,im only on part time wages.someone please help am sure if owt welcome owe me,money theyre cars are not even roadworthy

n also to add to my message above the welcome finance staff were very rude to my brother my bro told them he would take them to court n one guy in the office said to my brother you wouldn't be able to afford a good solicitor,meaning that we had no money n were poor....!

hi all i'm new here..so thought i'd start by saying hello....ok i need some advice about welcome finance...! i bought a car off them in 2001,n i paid nearly 2 n a half thousand off the car i only had about 6 months left to pay..anyway i voluntary gave the car back to welcome cos i couldnt afford to pay it any longer all my wages were going to welcome n i'd nothing to live on,n i also told them that the car had cost me alot of money in repairs n work doing on it as i'd had trouble with it from about 6 months into the agreement.the guy in the welcome office told me i'd no reason to hand it back as it was rightfully mine but i told him to take it.my brother went with me n asked them to find a record of all my payments as to breakdown the ouststanding figure,guess what welcome said they couldnt drag up payments paid from 2 yrs ago,they said they don't keep records of it..anyway i dint hear anything for ages,but now over the last few months of this year ive had 1st credit call me acting on behalf of welcome telling me i owe 4.000 pounds i asked how come it was all this when welcome had told me i'd nearly paid it off..they said it was interest added on,n could i pay all the 4.000 in full i told 1st credit they aint getting a penny cos i owe welcome nothing,but they ring all the time even asking my 11 yr old son to pass on messages to me,or my mum...n theyr'e threatning me with bailiffs or someone coming n demanding the whole amount in full to my doorstep..sorry if this is a long message..1st credit have told me to take welcome to court over the car payments issue.. but they still want this 4 grand off me 1st credit.. all the money i paid for the car is now dead money n i'm fed up of argueing on the phone with 1st credit.. what can i do,cos welcome have sent this company a statement claiming i owe 4 grand yet when my bro asked them to in the office as ive explained above they couldnt find my old payments yet they sent 1st credit a statement of what i owe...! they told me they would take money from my wages they have threatend me with allsorts,im only on part time wages.someone please help am sure if owt welcome owe me,money theyre cars are not even roadworthy