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rubyrox73

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About rubyrox73

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  1. :lol: - thought it might be! Made me laugh anyway!
  2. No PPI as I refused it. The letter setting out all the payments that are required under the VT does just that, it doesn't at any point in there say the account is closed, it does clearly state however that the arrears were £500 ish and just asks that I contact a branch to discuss repayment of the amount owed after VT. This is link to my thread, post 23 has the link to the documents I scanned - hope this works! http://www.consumeractiongroup.co.uk/forum/welcome-finance/194369-some-advice-about-welcome.html
  3. Post - I had a letter setting out the VT and amounts owed etc, although i can't put my hand to it right now, got paperwork everywhere. Andie, I've just checked and I'd paid £2k ish off what turned out to be over £9k for a £5k car (if I could I would kick myself violently believe me) after the vt they halved it, took away my payments I'd made etc and are after £2k now. I don't have it in any way shape or form. Anyway I won't hijack this any longer as I have my own thread, which I'll post on once I get all the CCA and SAR sorted on it. thanks for all the help
  4. Unfortunately I hadn't paid half, wish I'd clung on for longer but circumstances meant that the payments were crippling me and although I renegotiated it (stupidly by telephone), Welcome reneged on it and demanded full monthly payments after 1 month into the new payments.
  5. Yes I have all the documents relating to the termination.
  6. Thanks very much Andie - not sure what implications this will have on them trying to get another 2k out of me if it does turn out that they shouldn't have taken the car - but even if it doesn't help me, it's still very interesting.
  7. Hi Andie, I just want to clarify this - you cannot voluntarily terminate the agreement if you have arrears on it? Not hijacking thread, just this point I wanted to check as I VT'd mine with arrears.
  8. I still haven't got round to sorting this yet, as I've been ill for a few weeks, but I thought this letter from the Lewis Group that I received recently was hilarious and I quote: "You have been selected to receive an amazing offer regarding your outstanding debt of £**** with Welcome Financial Services. The offer is simple; call me to discuss a reduction of the amount to be paid and pay the agreed amount in full to us by 17th ***, 2009 and our client will clear the remaining balance for you. (I'll leave out rest of blurb here) Why pay? By taking up this fantastic offer with us
  9. I don't understand what you're saying here?? I made no mention of stopping paying Welcome. Neither did I mention anything that I would consider to be highly dangerous or ill thought out? did you perhaps mean to direct your comments at another user? My post was as follows: Well it's taken me 2 days, but I think I've now read most of this thread and I'm intrigued! Not to mention addicted. I don't pretend to understand a lot of it and obviously a lots on the qt - but its made for v interesting reading. I shall be glued to it tomorrow. Ruby
  10. Well it's taken me 2 days, but I think I've now read most of this thread and I'm intrigued! Not to mention addicted. I don't pretend to understand a lot of it and obviously a lots on the qt - but its made for v interesting reading. I shall be glued to it tomorrow.
  11. Very useful - ta very much I shall be sending that one out tomorrow!
  12. Hmmm, well I have no default notice (and nothing recorded on credit file - just double checked it again to be sure - it still reads satisfactory) and I'm definitely being chased by dca. Any advice? Or is it worth leaving given that it's not actually doing credit file any harm at the moment? I do have other issues for which a SAR is being sent to Provident.
  13. Not sure if this is the right thread, if not I apologise. I currently have a debt with Provident, it's quite a large amount (for me anyway) and I've recently started receiving letters for debt collection agencies for it. Yet I checked my credit file today and the entry is showing as "satisfactory" - there is no default registered by Provident against me. Is this right? I was under the impression that there had to be a default notice before a DCA was instructed?
  14. Will do. Thanks for the advice. Appears Welcome were lax on most things apart from chasing people like rats up a drainpipe and charging the earth to do so!
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